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Saving Makes Cents

The reality that we live in is that credit trumps saving. Why wait and save up for a purchase when you can put it on a credit card and get it today? $747 billion is why. That's how much credit card debt U.S. consumers owe, according to Nerd Wallet’s 2016 American Household Credit Card...

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Budgeting... It's Sexy!

You. Need. A. Budget. This is not up for discussion. You must have a budget if you ever expect to make a difference in your finances. Budgets are for you to tell your money what to do. If you get your paycheck, spend it all and have no accounting of where it went, you need a budget.

People hear...

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A Goal Without a Plan is Just a Wish

It's the second week of the year. How are you doing on your resolutions? Did you know that 75% of people keep their resolutions for only one week? So if you're still going strong, congratulations!

A lot of people think that their failed resolve is due to their lack of willpower. However, more...

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"I need a good credit score to be successful with money!" WRONG!

Does it matter how great of a chef you are when you don’t have the ingredients to create that seven-course meal? You could be the world’s best chef, but without those ingredients, you aren’t any better than someone who doesn’t know how to cook at all.

You could say the...

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An Open Letter To Those In Need Of Hope

An open letter to those in need of hope,

Ever since I can remember and even going back to when I was a kid; I always wanted to own my own business. I wanted to have the freedom to do what I wanted. When I was 10 or 11 years old I remember starting my own car wash in my driveway. I made some...

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There Are No Quick Fixes

I hate to burst your bubble, but quick fixes don’t work.

If you can grasp this idea you can achieve just about anything.

You see in this day and age everyone is looking for the quick fix. Not only is everyone looking, but there are people out there trying to sell it as well. This has...

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Are You Making This Mistake With Credit Cards?

So the other day I was in line at Victoria's Secret with my wife. We were checking out and there was a young couple that was next to me who was also checking out. I overheard the cashier selling them a store credit card and she had me hooked. Wait, to be clear it wasn’t on the store credit...

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The Lottery – A Fool's Game

Check this out… The average person who plays the lottery spends $32 a month. If they were to invest that $32 a month from age 18 to 65 they would accumulate $734,000 in savings. Now that’s hitting the jackpot.

Explanation: Now I posted this yesterday and it created a little bit of a...

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Don't Let This Stop You From Getting Help

I know you are.

You see it’s easy to look OK. It is actually really easy to look like you are doing very well with money. Have a nice house in a good neighborhood. Have a few new cars in the driveway and wear the latest clothes and you can fool just about anyone into thinking that you have...

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More Money Is Great – This Is Better

One of the things I used to dream about when I was becoming debt free was how much extra money I was going to have.

I dreamed of going on great vacations and being able to buy things at the drop of the hat simply because I had the money and didn’t have any more payments.

The more debt I...

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