Your first $1,000 saved is tougher than your first $100,000 - momentum really builds as you develop better money habits! The beginning feels hardest because you're changing behaviors… Continue Reading

The need for a new budget can arise from many different causes.

Recent graduates and those who just made a major financial decision (ie. purchasing a new home) are normally faced with a new financial landscape.

When you’re introduced to a new financial reality, grounding yourself with a realistic budget can help you start off on the right foot.

No two people are in the exact same financial situation. Specific needs necessitate different levels of minimal spending.

That’s why budget ratios are a good idea; they set universal budget percentages that can be broken down further according to your highly specific needs.

Budget ratios serve as simplified guidelines for setting a budget - and the most commonly suggested one is the 50/30/20 budget ratio… Read More

Of course it's much easier and more fun to take the money we've worked so hard to get and spend it all each month on anything we want, not worrying about the future.

When it comes to money, arguably our biggest issue is that we don't prepare ahead of time and/or put enough money aside.

There are a variety of reasons to begin or continue a savings program.

People save for a number of reasons, but having money, in general, will likely help you avoid difficulty or achieve your objectives in the future.

It's easier for you to save money if you have a clear goal or purpose in mind. Between now until the conclusion of our income-generating days, a lot can and will happen. We could lose our job(s), get a raise or a pay cut, move, or be unable to work.

Having a clear goal and a healthy savings habit can help you stay focused when the hard times come.

Often, the most difficult part of saving money is just getting started. This step-by-step method of saving money will help you come up with a simple and realistic plan for accomplishing all of your short- and long-term savings goals… Read More

I will be completely debt-free within my goal timeframe.

My children will learn from my debt elimination journey.

I am creating freedom through strategic debt payoff… Continue Reading