There are a number of ways that derail the best of intentions. Many find themselves on track with their savings and investments and well on their way to financial independence, then something happens. It might be something as simple as your “wants” getting in front of your “needs.” One of your “needs” is to provide […]

Record every penny spent for the past 90 days and the next 90 days. If you don’t know where the money went, how can you get out of debt? Close your eyes and visualize a stress-free, debt-free lifestyle. You are on vacation…but you have paid for it all in advance. It is not more income […]

Get in the habit of paying as you go. Paying cash for an item not only gives a person that sense of confidence and well-being, it keeps debt at a lower balance than the previous month. If you do charge for an item with the intention of paying it off when the bill comes due, […]

Why I Pay With Cash ….and why you should too! 1.     If you pay cash, you are likely to be more careful in your purchase. You may not make the purchase at all. You may delay the purchase until you have enough cash. You may decide there are other priorities for you cash. You may […]

Making Small Sacrifices You CAN do WITHOUT these things: Cable TV Call Waiting, Call Forwarding, Conference Calling Gourmet coffee drinks/snacks Hobby acquisitions and/or expenses Lodging expenses at the beach, mountains or other destinations Massages and manicures Movies New clothes Restaurants Sports events Unnecessary vehicles (all new vehicles) Your thoughts on this subject? Your comments appreciated!