Money

Debt Free Goal

October 2, 2007

Goal – Dictionary.com defines it as: “the result or achievement toward which effort is directed; aim; end.” Goal, intention, objective, destination, target, mission. No matter what word you use, it is a point in your future that you aim for success. We have all set goals, we have successfully achieved many and we have all [...]

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How To Get Out Of Debt

October 1, 2007

In 1993 I was $48,000 in debt. I lived in an apartment, paid monthly car payment to the bank, and after expenses, rent, electric, phone, insurance; the rest went to paying on credit cards. I had no savings, and to say I was living paycheck to paycheck was an under statement because at times I [...]

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Money Management aka Cash Flow

September 28, 2007

Money Management, also know as cash flow management is the key to becoming debt free as well as successfully living in financial freedom. Let me ask you a question. How much money do you make a year? Would you believe that most people can not answer this question? It’s true; most people, especially those in [...]

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Investing – What Not To Do

September 24, 2007

Most of my clients at one point or another ask me about investing. First, I tell them that legally, I can not advise as to what they should or shouldn’t invest in. However, I do offer some valuable, common sense advise. First and foremost, never give your money to someone else and say “invest it [...]

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Pay Yourself First

September 21, 2007

So you are in debt and you want to know how you gain wealth. Well, hang on, I am going to tell you something very simple that people who are poor don’t do. PAY YOURSELF FIRST! Sorry I don’t mean to yell but it is true. In order to gain wealth you must pay yourself [...]

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Do I Need A Money Management Coach?

September 20, 2007

Do I really need to engage with a money management coach in order to get out of debt? Is a money management coach required to get out of debt, no it is not required for your to engage in the services of a money management coach to get out of debt. With that said, most [...]

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Should I Get A Consolidation Loan?

September 19, 2007
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Should I get a debt consolidation loan? This is a question I am asked a lot during my coaching sessions, and today we will look at the answer to that question. The debt management process begins by taking an inventory (know as a preliminary budget) of your current financial situation. You must first know exactly [...]

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Protect Your Identity

September 18, 2007

In yesterday’s blog I mentioned the importance of shredding all credit and loan offers with a cross cut shredder rather than just throwing those offers in the trash. Why is this so important? To protect your identity. For that matter, I go one step further and shred anything that has my name and/or address on [...]

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No New Credit? Why?

September 17, 2007
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You know when you go to the mailbox you are going to find at least one of these two things, a bill and/or a new offer for credit. Today I am going to talk about some good reasons why you would want to stop receiving new credit offers. Now we all know what credit means….that [...]

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