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 »

Teenagers and Decisions

Perhaps you are about to graduate High School. What’s next? The decisions you make now will eventually become your reality. The normal path to follow would be to choose a career with favorable pay, right? What college will you go to? What if I said you skipped a step? Maybe you should first consider how you are going to manage your money. If you can’t manage the money that career produces then what’s the point? 70% of Americans live paycheck to paycheck! So basically, 70% of Americans don’t manage their money. In my opinion NOW is the time you need […] Read more »

The Path To Debt Freedom!

The Path To Debt Freedom! (My journey illustrated) (updated) NORMAL looks like this! (Borrow NOW, CRY later!) >>> “When do I get paid again?” (The cycle of cycles!) >>> Instead of chasing it, I just tell it what to do! >>> Never again! (Cash only!) >>>o Big T.V’s are nice, but not as nice as being debt free! (Put the $600 towards my Emergency Fund) >>> Sold the left ($8,500) and bought the right ($500)! (Savings- $375/month) Gazelle TIME!!! (Determination has never been more intense!) TO Saving has become a way of life! ($5,500 EF) Aaaaaaaaaaaagggggggggghhhhhhhhhhh!!!!!! We’re Debt Free!!! FREEEEEEEEEEEDOM!!!!!!!!!!!  […] Read more »

Hitting A Home Run and Becoming Debt Free Are the Same!

7 out of 10 people live paycheck to paycheck without even blinking an eye. After all, it is what everyone else is doing right?  Have you ever tried to do a budget?  This blog is about telling your money what to do.  It is about getting rid of the debt that keeps you from enjoying life.  It’s about having a plan! Do you feel it’s just too late and you have no traction? I am going to show you exactly what it is like to become debt free!  I am quickly becoming a part of the winning team, and that […] Read more »