DOWNLOAD THIS BUDGET – I created this budget to give people the tools needed to budget effectively. Budgeting is very important and I have received many emails about how it has helped people with the process. Give it a try and see what you think! FOLLOW THESE 7 EASY STEPS TO BUDGETING – Proven methods to help you beat the budgeting blues. So many people, including myself, have started a budget and before the month ends the budget is busted. It kills your motivation and desire to budget, and before you know it you are right back to your […] Read more »
Myth: I Don’t Make Enough To Do A Total Money Makeover
You Don’t Make Enough Money To Manage It? I hear this excuse all the time. Yes, I said excuse, or you could call it a justification for not wanting to face managing your money. Either way you look at it, it is still a myth. Yes, it is true that you could do more faster if you made more money, but to say you can’t, simply because you think it is impossible to do so much with so little, is selling yourself short. I would argue that it is even MORE important for you to be on a Total Money […] Read more »
Dave Ramsey for President 2008
President Ramsey? No, Dave Ramsey isn’t running for President, but if he was, I would probably vote for him. He has expressed his opinion and has made it clear he does not want the job. Personally, I do not blame him, but boy would it be nice to have a Government with a ZERO-BASED BUDGET? It would be nice to have someone who knows how to cut expenses and knows the difference between a want and a need. Someone who knows all to well how it feels to hit rock bottom, and someone who knows how to bounce back by […] Read more »
That’s Right Diane Sawyer, You Should Pay Your Credit Cards LAST!
I watched a video where Dave Ramsey and Clark Howard were being interviewed by Diane Sawyer. In the interview, Diane Sawyer looked bewildered that they would suggest to pay the credit cards last. Then I saw another video that pretty much illustrated why Americans are on the wrong track financially. In this interview, Mellody Hobson is telling us how to survive an economic crisis. Some of her advice may be OK, but her answer on how to prioritize your bills lead me to believe that she is a lunatic!! She says you should pay your credit cards first so you […] 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 »