Where to Start with your Finances>

Do you feel overwhelmed because of your financial situation? Are you behind on bills? Barely making bills every week or feeling like you make too much to have nothing at the end of the month? Do you have a goal in 2014 to get out of debt? You’ve come to the right place! I can teach you […]

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Budgeting 101 – The Dave Ramsey Way

I have always been good at making money, but the money comes in and the money goes out. At the end of the day, I made too much money to be broke. I thought I could “out-earn” my spending habits and stupidity… I was so WRONG and had a pitiful amount in savings to boot.  […]

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How The Total Money Makeover Changed My Life

    Money is one of those “touchy” subjects. I’ve been taught to never discuss how much you have or make, how much you paid for something, or ask someone else how much they have or make. It’s also something that some people use to show others position and how much they have (or how well […]

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How to give Yourself a Raise

Most people think raises can only be obtained from an employer. While that is one way to get a raise here are five tricks to giving yourself a raise.   Get out of debt The best way to find extra money is to stop paying it out to everyone else. If you stop spending money […]

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Debt Rant

I’ve been reading a ton of posts in blogland about getting out of debt to “improve your credit score” so you can get a better rate on your next car or home loan. Dumb! If you are saving, scrimping, sacrificing and working hard to get out of debt why in the world would you turn around […]

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Financial Peace Series: Step 7

Baby Step 7 Build wealth and give! It’s time to build wealth and give like never before. Leave an inheritance for future generations, and bless others now with your excess. It’s really the only way to live! Golda Meir says, “You can’t shake hands with a clenched fist.” Vow to never hold your money so […]

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Financial Peace Series: Step 6

Baby Step 6 Pay off your house early Now it’s time to begin chunking all of your extra money toward the mortgage. You are getting closer to realizing the dream of a life with no house payments.As you attack this last debt, you will gain momentum much like you did back in the second step […]

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Financial Peace Series: Step 5

Baby Step 5 College funding for children By this point, you should have already started Baby Step 4—investing 15% of your income—before saving for college. Whether you are saving for you or your child to go to college, you need to start now.In order to have enough money saved for college, you need to have […]

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Financial Peace Series: Step 4

Baby Step 4 Invest 15% of household income into Roth IRAs and pre-tax retirement When you reach this step, you’ll have no payments—except the house—and a fully funded emergency fund. Now it’s time to get serious about building wealth.Dave suggests investing 15% of your household income into Roth IRAs and pre-tax retirement plans. Don’t invest […]

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