There are several strategies to pay down and to pay off debt, to manage your money, and to save your money. There is “Debt Stacking”, “Snowballing”, “Envelope Method”, “Paying Yourself First”, and many more. All of these methods have successful accounts of people becoming debt free and/or financially free. However, I would dare to say […]
Read MoreWe have all seen the offers with introductory rates or free trial periods. They are available for various products including credit cards, cable television and online shopping websites. Banks make offers to open a new credit card with a 0% introductory Annual Percentage Rate (APR) for one year. There are also offers to transfer the […]
Read MoreThe principles for borrowing money from someone you know are the same as the principles for borrowing money from a bank. You ask for a loan, they give you the money, and you pay them back – when you said you would. The person you know and the bank both hope it will go in […]
Read MoreIn my opinion, there are two types of Bankers, Relationship Oriented and Sales Oriented. If I asked you which one you would choose, most of you would probably say “Relationship Oriented.” Who wouldn’t want a Relationship over Sales? It even sounds better. Sales Oriented Bankers know that, so many of them put on a disguise […]
Read MoreTo say that identity theft is rampant is an understatement. Reports of personal information breaches have become common place in the last few years. Many have suffered the pain and fear of having their personal information stolen, including yours truly. Despite the efforts to protect my personal information, intruders have gotten hold of my personal […]
Read MoreOne of the first things I advise my clients to do after setting up their budgets is to make sure they have an Emergency Fund. This is to make sure they are prepared for the unexpected such as car break downs, medical bills, appliance mishaps, etc. We can expect these things to happen whether we […]
Read MoreOne of the biggest weaknesses of Small Business Owners is poor money management. Running almost neck and neck with poor money management is the lack of financial education. Financial education is important for consumers and equally as important for Small Business Owners. Over the years I have met so many talented people. They have a […]
Read MoreOften when I do Financial Education workshops, I will start off with an ice breaker to get the attendees engaged and thinking about the subject matter I am about to present. I enjoy using a particular ice breaker that has to do with choices. I put a slide from a PowerPoint presentation on the screen […]
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