Did Hilton Honors Rewards Give Me A Two Room Suite Upgrade?

I had an interesting hotel experience over the weekend that made no sense to me. I wanted to share it with you and see if you could possibly explain what happened while I attempt to get an explanation from the hotel itself. On a weekend where prices were jacked up to at least double the normal rate, I stayed in a suite with a living room, separate bedroom with a King bed and two bathrooms for $189.  More like a timeshare/condo than a typical hotel room. Did my Hilton Honors Rewards membership have anything to do with it? My wife […] Read more »

What Is The Most Inexpensive Way To Break Into Your House?

We came home from an afternoon out with friends to realize we were locked out of our home. I hadn’t taken my keys with me since our neighbors were driving, and our daughter locked the door on her way out. Normally none of this would be a problem as we’d just open the garage door with the keyless entry pad, but we had unplugged the opener for a party in the garage the night before. We stared at the door for a few moments and wondered, “What is the most inexpensive way to break into your house?” Call A Locksmith […] Read more »

13 Essential Things You Must Do When You Lose Your Job

13 Essential Things You Must Do When You Lose Your Job

It stinks to lose your job!  Losing your job is one of those things that can completely upend your life, causing tremendous stress and a loss of confidence if you let it. Conversely, sudden unemployment can also be an opportunity for a new direction or a whole new career.  Either way, you have to take control over your situation if you want to move forward successfully. In this post I’ll show you 13 essential things you must do when you lose your job.  You’ll also discover some awesome resources that’ll help you find your next job or transition into a […] Read more »

How to Become a Stay at Home Mom (or Dad!)- 16 Tips to Get Started

How to Become a Stay at Home Mom (or Dad!)- 16 Tips

Becoming a stay at home mom ( SAHM ) or dad is an important decision a lot of families struggle with.  Making the decision to stay at home with the kids while the other spouse works takes plenty of consideration and planning if you really want to make it a blessing for your family. If you don’t consider the advantages and disadvantages of staying home with the kids, you can very quickly end up stressed, unhappy and broke! How to Become a Stay at Home Mom (or Dad)! That’s where this post comes in! Below I’ll show you everything you […] Read more »

9 Tips For Creating Discipline With Money

9 Tips For Creating Discipline With Money

I frequently get questions from my readers about how to resolve their various financial problems.  The questions range from not being able to save enough, to tackling huge amounts of debt, to how to stop living paycheck to paycheck. One of the common themes I’ve discovered in the hundreds of emails I’ve received, is that most of those readers tell me the root of their problem is a lack of discipline. Lack of Money is Not the Problem Learning discipline when it comes to money is not always easy, but it’s necessary if you want to get ahead financially.  Many […] Read more »

Hindsight is 20 dollars: An Andrew Jackson can save you 2 hours or more on home improvement

A termite infestation was discovered during our last insect treatment. Our “guy”, Bugs by Brian, sprays on a quarterly basis and always does a great job keeping spiders and other bugs from getting into our home. What we didn’t know was that large pieces of wood separating the sloped yard from our flowerbed and patio was home to some wood-eating critters. Not wanting to spend any money on the project, I decided to take care of them myself. This was a big project but I already knew what had to be done – I had replaced some of the 6’ […] Read more »

How to Get Ahead If You’re Living Paycheck to Paycheck (Part 2)

get ahead living paycheck to paycheck

In the first article in the series, I covered eight things that might cause you to end up trapped in a paycheck to paycheck life. In this second post, I’m going to show you a few things you can do to get your finances under control, stop spending more than you make, and end the paycheck to paycheck cycle for good. If you read the last article, at this point you’ve probably figured out some of the top reasons why you’re struggling financially. Once you understand those reasons, I explained that it was important to get your mindset right and […] Read more »

Keep Workin’ Your Moneyplan Like Biz Markie

This weekend I had a connecting flight in Baltimore. On the way to my gate I saw Biz Markie getting ready to board a flight to New Orleans. I checked his Twitter feed and found he would be performing in Baton Rouge that night. If you don’t know who Biz Markie is then just search YouTube for “Just A Friend”. Yeah, now you remember. What amazes me is that he hasn’t changed a bit. I would know, I saw him perform live at the Rosemont Theater back in the late 1980’s. How does a rapper who hasn’t released an album […] Read more »

How to Get Ahead if You’re Living Paycheck to Paycheck

get ahead living paycheck to paycheck

Some recent studies showed that more than two thirds of people are living paycheck to paycheck at least some of the time. That’s pretty incredible! It seems to be getting harder and harder to keep your head above water financially, and there is no lack of reasons why that’s happening. Some of it is because our attitudes about money have changed over the years.  Some of it is also because of the changing economy, and some of it is probably due to the fact that the world is rapidly changing, and some are getting left behind because they refuse to […] Read more »

How to Talk Yourself Out of Debt By Creating a New Script

How to Talk Yourself Out of Debt By Creating a New Script

Could it really be possible to talk yourself out of debt?  Can getting out of debt really be that easy? Actually, no, I don’t believe it is. Getting out of debt is not as easy as talking to yourself using the right words.  You have to take action as well. Even the bible says “In all toil there is profit, but mere talk tends only to poverty”- Proverbs 14:23   The Right Self Talk Helps But using the right kind of self talk can get you into the right mindset to change habits and get out of debt for good. […] Read more »

5 Simple Steps to Start Getting Out of Debt Right Now

get out of debt steps how to

Have you ever tried to get out of debt but just didn’t know where to start?  I think most anybody who’s attempted to get out of debt has experienced that feeling at some point. You have decided you’re no longer comfortable with your debt load, and now it’s time to do something about it, but you’re just not sure what to do. So how do you get started? You can start by taking some small, easy steps to set yourself up for success.  In this post I’ll show you the best small steps you can take right now to get […] Read more »

3 Reasons To Never Borrow From Your 401k

borrow withdraw 401k

Have you ever needed a large amount of money and dipped into your 401k to get it?  Maybe you wanted to put a down payment on a house, had an emergency, or some other reason you needed the money. If you did dip into your 401k, was it really worth it?   Taking Money From Your 401k Has Consequences When you withdraw funds from your 401k account to take care of a present need, it can be very detrimental to your future.  Even if you take the money out with the best intentions, it can still have far reaching consequences […] Read more »

My New “Celebrating Financial Freedom” Course!

Celebrating financial freedom online get out of debt course

If you’ve been following my posts here on EOD for a while now, you may know that I offer a popular Christian get out of debt course that I’ve taught at various venues over the years. The course has always been offered in a physical version with a workbook and CD’s. I’ve been asked many times if I have the course available in an online format, and I’ve always had to say “no”. But not anymore. You Can Win Access to the Course for Free!  (Continue Reading)   You Asked, I’m Making it Happen Over the last few months, I’ve […] Read more »

How Fragile Are Your Finances?

Financially Fragile. What do those words mean to you? A few months ago TeamEOD writer Dr. Cabler wrote a post addressing the subject of being financially fragile. He gave the example that the majority of Americans would have to sell some of their possessions if they had to come up with $2000 within 30 days. I identified with the post because that described me for a very long time. Something happened this week that made me think of this post again. Major layoffs occurred within the company I work for. As the week progressed, the names of those affected spread. […] Read more »