It’s no secret that I utilize the Ramsey principles in my financial coaching. Though I have my own method of walking people through The Baby Steps, I use the basic concepts because they are Biblical and proven by irrefutable data. Basically, I use it because IT WORKS! Why do I bring this up?
How to Stay Motivated When Getting Out of Debt
The average American has a consumer debt balance of over $80,000. That’s more than the average annual household income! If you’re working on getting out of debt, this number may not surprise you at all. No matter your total debt (even if it’s well-below or well-above the $80k number) it’s time to
How Will Biden’s New Home Mortgage Policy Affect You?
Anytime there’s a big policy change that affects your bank account, we want to tell you about it! Last week the White House passed a new home mortgage plan that’s bad news for financially responsible homeowners and buyers. This new policy could raise your mortgage and cost you thousands over your
How To Start a Business Debt Free
Starting a business is a great way to embrace your passion and establish a legacy. Big or small, a business can change your life and financial standing—for better or for worse. It’s a leap of faith to build a brand, so it’s important to do what you can to minimize risk if you’re ready to start a
11 Ways NOT to Spend Your Tax Refund
It’s that time of year again. No, not Christmas, tax season! Depending on who you are, tax season either feels like Christmas or a curse. If you’re in that first camp, and tax season for you means a big refund check, you’re probably already planning how you’ll spend your refunded cash. Too many
How to Find a Cheap, Reliable Used Car
When you’re shopping for a new-to-you car, the vehicle’s reliability is probably top of mind. Beyond the paint color, the interior fabric, and the heated seats, you want something that won’t leave you on the side of the road or be in the shop every few weeks. You know that spending more on a car
16 Forgotten Budget Items that Can Wreck Your Budget
The first step to getting on track with your finances is setting a budget. On the surface, budgeting seems exciting! It’ll get you organized and give you a roadmap to all your financial goals. However, once you sit down to make a budget, you’re probably overwhelmed by all you have to figure
How to Embrace the Stuck and Pay Off Debt
When someone gets serious about paying off debt, they go through the usual journey. First, they have the “I’ve had enough” moment, where they’re sick of living paycheck to paycheck and being a slave to their debt. Second, they create a budget and stick to it. Third, they cut down on non-essentials