When you’re drowning in debt, placing money in a savings account may sound counter intuitive. But this amount will help shield you from most emergencies while you’re busy paying off your debt. Your first financial goal is to put $1,000 aside as a starter emergency fund. Yes, that will not cover
Five Ways to Tackle Your Debt
Have you ever watched a football game where one of the defensive players makes a HUGE tackle and crushes his opponent? How would you like to do that to your debt? Wouldn’t it feel great to tackle one of the biggest stressors in your life? For most people one of the biggest causes of stress is
The Seven Baby Steps
Have you ever wondered why I am not getting any traction with my finances? You think to yourself, "I make decent money, but where is it all going?"
The Scary Truth About Over Spending
Do you know how much you spend on groceries each month? What about going out to eat or how much you spend on your daily coffee, lunch or snack routine? Thirty days after I begin working with new clients, almost all of them come back to me and are shocked at how much they over spend without even
Creative Emergency Fund Solutions…
Handling emergencies when the going gets tough. You have made the decision to grow up financially and do things right this time. However, some unexpected events have happened and you do not have enough to cover the bill. Whether you are just starting to take control of your money or have been
Should I Borrow From My Retirement Account?
A very recent article from Business Record (a central Iowa business magazine) sited that 30% of Americans have an outstanding loan balance with their retirement account. What makes it even worse is that 60% of Americans are not even saving for retirement (according to a Scott Trade study) because of
Use Your Tax Refund As Rocket Fuel to Better Your Finances!
It is that time of year again. Between now and April 15th tax returns are filed all across the country. The average tax payer last year received a $3,000 refund. What will you do with your refund this year? If you are struggling with your finances here is what we suggest you do with your refund this
How to Get Out of Debt
Not many people are willing to stand up and say that they are happy to be in debt. At the same time there a lot of people that think it cannot be possible to live life debt free as that seems like an impossible dream! If you are sick and tired of being in debt and are looking for any type of hope