Is It Really EASY Money?

Do people really think this is “EASY” money? Can you say OXYMORON? Good because money isn’t easy, and there is certainly nothing easy about paying more than 500% annually for a loan that will most likely amplify the problem instead of fix it. Have you ever considered getting a Payday loan? Every day many people find themselves in a position where they feel that a Payday loan is the only answer. I have been very lucky in this regard and have never followed through with one. I did consider one when I was younger but I caved at the end […] Read more »

The Perfect Day

Everyone that has kept up with my blog so far, knows that I am big on personal responsibility and setting goals. I love goals! I understand how to set goals but I am not always the best at writing them down. Brian Tracy is my favorite person to listen to when it comes to setting goals. He says, “People with clear, written goals, accomplish far more in a shorter period of time than people without them could ever imagine.” For this to work, you obviously have to stick to the plan. For me, the budget has been the best example […] Read more »

Memorial Day Tribute

Without those BRAVE men and women that sacrificed and paid the ultimate price, we would not be free to have what we have. Becoming debt free wouldn’t matter much without the freedom we have been given. We should all reflect on what kind of person it takes to fill those shoes, as most of us have no idea what sacrifice of this magnitude feels like. The families who have lost loved ones, my heart is with you! THANK YOU! GOD BLESS AMERICA! GOD BLESS OUR TROOPS!   Read more »

Vacation Time is Here!

Vacation time is here, and I am glad! No we’re not going on an elegant cruise but to us, it is just as nice. We are off from work and we have plans to enjoy ourselves for a little over a week, but we are not racking up a huge bill. We are keeping it simple and inexpensive. Needless to say I will not be posting any blogs this week. My next blog post will be next Tuesday. I want to hear from you! Now is the time for you to be thinking about any questions you may have or […] Read more »

What If You Were Recession Proof?

Are we experiencing a recession? That seems to be the question of the year. If you watch the news, you are probably convinced that you should just give up. Don’t start digging that bunker just yet. The truth is that the U.S. is merely growing at a slower rate. From January to March the economy grew at the same rate of 0.6 percent, as the last quarter of 2007. Slow, but still growing. A recession is defined as a period of economic decline; specifically, a decline in GDP, for two or more consecutive quarters. Maybe we should wait until we […] Read more »

Selling on Ebay is as Easy as 1-2-3!

Are you looking for a way to make extra money? Many people use Ebay every day to do just that. My wife has recently started getting really serious about it and it has paid off big time. The success we have had has started somewhat of an obsession. Here’s why. Since April 10th, my wife has made an extra $329.73. I am certain that there is more than one way to be successful using Ebay, but here is how we are doing it. Step One~ The Setup We set up an Ebay account and signed up for PayPal. PayPal is […] Read more »

In (F.I.C.O.) We Trust?

“Everyone” says you should get a credit card so you can establish credit. Well, the truth is “Everyone” is Broke!! You want to establish credit so you can one day buy a house, right? That’s what most people believe they are doing or at least that is the reason they give for getting a credit card. I believe that it is the beginning of a cycle that ends up becoming a nightmare! Why would you need to have good credit? You would need to have good credit if you are planning to borrow money. If you do not plan on […] Read more »

Poverty To Prosperity

This is an age old problem that seems to never go away. How do you end poverty completely and is it even possible? I believe that there is an answer to this question, and believe it or not, the Government is not it. The answer is YOU! The way you think, the way you learn, and the actions you take all determine where you end up. If you can work, then you can change your future. I always remember the true story, made into a movie, where Will Smith plays a homeless man that constantly faces challenges and disappointments in […] Read more »

How To Balance Your Checkbook

I found these videos on YouTube and wanted to share them. Until recently, balancing my checkbook was non-existent. The truth was I didn’t know how. A little embarrassing yes, but the truth is there are lots of people that do not bother with this financial detail. For those of you who already know how to balance your checkbook, share this post with someone you know that has difficulties in this area.     Read more »

Ideas On How To Give Yourself A Raise

Have you done a budget only to find out there isn’t much disposable income left? Even worse, are you in the negative? Here are some ideas that we have tried, have heard others recommend, or that we intend on trying in the future. If you are willing to try some new ways to trim the budget, and earn extra money, you have come to the right place. I hope you can try one, some, or even all of these ideas to help GIVE YOURSELF A RAISE! Good Luck! Read, read, read! The more you read the more you know. The […] Read more »

Sometimes Money ISN’T The Cause Of “Money Fights”!

I thought that this picture was appropriate for my current situation. Recently my wife and I have realized that there are some things we disagree on. Disagreement is normal but a lack of communication can cause a disagreement to become a serious issue. The doors of communication must be open at all times, not just when you are in an argument. It is then that the one time reasonable objection becomes more of an attack move. It is very important to understand that if you disagree with your spouse about something, it is ALWAYS better to voice your opinion. Remember […] Read more »

Are Your Priorities Backwards?

  I keep seeing this commercial on T.V. and everytime it drives me just as crazy as the time before! The line that drives me absolutely mad is this one: “Far too many Americans health care and financial security are at risk.” It goes on to say that, “Health Care costs are driving American families into bankruptcy.” AHHHHHHH! That is exactly what is wrong with this country today!! What is driving American families into bankruptcy is American families! It is US that is responsible for these stupid decisions that we make, not health care costs! Sure health care costs may […] Read more »

The Debt Free Scream!

Hello everyone and welcome! I was reflecting on what gives me the most inspiration and encouragement to complete our Total Money Makeover, and I realized that the most emotional feeling derives from people calling in to the Dave Ramsey Show to scream they’re debt free!! Every time I hear a caller scream these 3 very powerful words it makes me imagine being there and what it feels like! Sometimes this means the eyes water up! Imagine with me for a second and think about screaming these three words. “WE’RE DEBT FREEEEEEEEEEE!” Imagine that is you! How do you feel? GREAT […] Read more »

Cause and Effect (picture blog)

  CAUSE & EFFECT       It’s basically as simple as this. If you don’t have debt and lots of payments, your income becomes a tool for you to plan, give, build wealth, and save! Often people try to get out of a problem by fixing the symptom instead of the problem. If you are struggling financially and you are wondering why, add up all of your debt payments. In most cases the solution will be right in front of you. If you had $1,000 more a month to spend because you didn’t have the car payments, you would […] Read more »