God and money make many people think about tithing. Tithing is the practice of giving 10% of your income to the church. The second thing we think about is the scripture Malachi 3:8 – 10. Many Christians can quote these verses by heart because they have heard them so many times in church. Especially during […]
Read MoreWhen 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 […]
Read MoreSaving 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 spending are two major obstacles people face as they […]
Read MoreHow 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 […]
Read MoreMany 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 […]
Read MoreFear. 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 […]
Read MoreMany 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 […]
Read MoreParenting 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. […]
Read MoreThere 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. […]
Read More“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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