Category: Saving

Tracking Leads To Saving

When potential clients meet with me, overspending is commonly identified as one of the major obstacles keeping people from achieving their financial goals. They do not know where their money is going. Although they make decent money, they are convinced that they need to make more to solve their money problems. Before you decide where […]

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Saving When You Save

Saving is an important part of money management. It should be a part of everyone’s plan. However, saving is also very challenging for many. “How can I save when I don’t have enough money to pay my bills?” is a valid question that many ask. Debt and spendingĀ are two major obstacles people face as they […]

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Unbelievable?! You Can Do It Too!

How long does it take to pay off $3,562 in loans if you are paying $1,318 per month in payments? 8 months if your Annual Percentage Rate (APR) is between 331% and 575%! Unbelievable, right?! One of my clients was paying those amounts. Every month he was paying $1,318 ($659 per check). Most of the […]

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You Have To Be Intentional

Many people have been forced to spend less during the current COVID – 19 crisis. They are spending less money on gas, eating out, and other expenses that were a part of their everyday lives. Many are realizing “extra” money in their accounts since they are spending less money. You have said for years that […]

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It’s All In Your Mind

Fear. Worry. Anxiety. Regret. These are powerful emotions that all of us experience. The difficult thing to determine is whether or not those emotions are real or not. How many times have you heard the phrase, “It’s all in your mind”? Meaning, it’s not real. It’s just your imagination. Sometimes that is true but other […]

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Binging Can Do More Harm Than Good

Many people choose the New Year as the starting point to make a change in their lives – to make a fresh start. They also choose the beginning of the month or the beginning of the week to start. Along with the choice of start date, they choose another strategy. They choose to binge. If […]

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5 Fundamentals Parents Need for Financial Success

Parenting is not easy. In fact, it has been said that “parenting is not for cowards.” I can attest to that being a parent of three adult children. Parents often put their needs on the back burner to take care of the needs of their children. Often that means forgetting about planning for the future. […]

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Accomplish Your Goals With Discipline

There are certain things you need to do in order to reach your financial goals. In fact, many of us have heard these things over and over again. Pay your bills on time. Spend less than you earn. Save money for emergencies. Invest money for retirement. Limit use of credit and pay off your debt. […]

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Stop Talking About It And Be About It

“One day I am going to make a budget.” “One day I am going to start saving for retirement.” “One day I am going to stop spending so much money eating out.” How many times have you said either of those statements? Many of us have plans to do the things that we know are […]

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Raising Money Smart Kids

One of the main reasons why so many people have trouble managing their money is because nobody showed them how. They were not taught at home, at school, or at church. Unfortunately, they were taught how not to manage their money and most ended up in a financial mess. Because of this reality, it is […]

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