Listen, Money Matters!

Debt is a serious problem, so much so that not too long ago it brought the global economy to its knees.  It’s great that we’ve finally realized there is such a thing as too much debt but I still think there is some confusion. Debt is an emergency!  Being in debt is like seeing your house on fire, you need to take immediate and meaningful action to stop the damage before it’s too late. That’s where Debt Relief for Dummies comes in. This guide is going to be slightly different than my other guide, Budgeting for Dummies in that I’m not just going to walk you through a free product that can [...]

Technology has finally penetrated every part of our lives.  It’s no longer enough to just use technology for an edge because everybody does, you now must use it effectively.  It’s about time you let Inbox Zero save your life. Right now you’re probably thinking, “Oh great, another buzz word I have to remember”, however the best part about  Inbox Zero is that its primary goal is for you to remember less. Here I’m going to tell you the philosophy behind Inbox Zero, what Inbox Zero is, why you should care and the free tools that you can use to get there.   The Philosophy Behind Inbox Zero? Inbox Zero in [...]

I understand, managing your money can be really time consuming and you’re just not that into it.  Between trying to live life and taking care of your family, playing with numbers can be unexciting and low on your priority list. It’s ok to admit that managing money doesn’t excite you and the good news is that it doesn’t have to be exciting for you to be successful financially.  It use to be that you had to sit down at your kitchen table with your checkbook, a pencil and a glass of wine and work the numbers all night.  Now there are a ton of amazing tools on the internet that [...]

Very few people get to wake up one day and just become wealthy. For those lucky few that do, becoming wealthy turns out be not as much luck as a curse. A large percentage of lottery winners wind up not only losing the millions of dollars they win but eventually losing everything they own after being buried under a mountain of debt. Why is that? It’s because you can’t just become wealthy, it’s a conscious choice that you must make. Sure you can have a lot of money, but without the proper mindset you will eventually let it all get away from you. There is a major difference between wealthy people [...]

Look, I understand, things happened that you didn’t plan for and now you’re in trouble.  Money is tight and you can’t pay your mortgage.  This is a serious problem as you and your family need a place to live!  While foreclosure does take awhile and you can pretty much live in your home rent free during that period, the time after foreclosure is a nightmare. Foreclosure destroys your credit rating making it near impossible to find a decent place to buy or rent.  More importantly, foreclosure is a scenario where the only party who gets anything worth talking about is the bank. It is also not unheard of for employers to run [...]

It use to be that getting a mortgage for a house was a scary concept.  Now, getting a mortgage is a terrific idea!  See, when our parents were trying to get a mortgage they had to pay rates of 7% at best and now we only have to pay 3.5% interest.  The amount of interest you pay between the two is an incredible difference! Low interest rates are one of many reasons why you really need to act now.  Don’t have enough money so you figure it’s not worth reading on?  Don’t forget that FHA loans only require 3% down on the purchase price.  You can sure count on that not lasting [...]

In the US we’re all too spoiled with clearly defined prices. Prices are set and advertised forcing all the companies selling an identical or similar product to compete on price forcing prices way down – Walmart style. Companies compete and we the consumers win, right? Usually but not always and because we’re so use to having companies compete for our dollar we sometimes forget to notice when we’re getting a raw deal. That’s why we’re going to dust off the lost art of negotiation and make sure that you’re prepared to grab the savings you deserve. I think it’s also important to note that you’re not always negotiating to spend [...]

Money is a terrible thing to waste and chances are you’re wasting money yourself and may not realize, I was too until recently.  Maybe you’re paying for HBO and never watching it or you signed up for the Dollar Shave Club and you’re not using your blades.  Whatever it is, you gotta find these leaks and stop them! Saving money is really important and the easiest savings you’re going to find are when you stop paying for things you don’t actually want or need.  When you plug your spending leaks it could feel like you just got a raise! Plugging leaks is just a way of optimizing your spending and [...]

These days it’s like a right of passage when you finally ask the question, “How do I build credit without a credit card?”  You might get a response like “Wait, you didn’t get solicited for a credit card in college?!?” or “You’ll have to pay a yearly fee to a credit card company for the honor of letting you build credit.”  Chances are though that you didn’t get solicited for a credit card in college and if you’re like me, paying for a credit card is against your financial religion. That brings us to the chicken and egg scenario – I don’t have credit because I don’t have a credit [...]

There is this huge misconception that being successful is somehow difficult or not within your reach.  That’s crap.  Being successful doesn’t mean you need to be a rocket scientist, it just means you need to work on a few basic skills that allow you to achieve what you set your mind to. There are only a handful of these skills, none of which are mind blowing or difficult to master but I think most people lose sight of them in their day to day life.  Today we’re going to talk about organization. Being organized is paramount to being successul because achievement is the culmination of many little steps that amount to a single [...]