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10 hidden costs of parenthood

Share10 hidden costs of parenthood A recent article that I found caught my attention. As a parent with young children I know the cost associated with raising them. Raising a child is expensive. A 2012 U.S. Department of Agriculture report indicates that the average family spends approximately $241,080 on the average per child, from birth to age 18. The question that crossed my mind is where does that money go and kind I...

What You Need To Know About Your Credit Score

ShareYou’ve never taken on more debt than you can afford, and you always pay your bills on time — so your credit must be great, right? Not necessarily. Credit scores don’t consider debt-to-income ratios and they take into account many factors beyond just timely payments (although those are extremely important). Pure and simple, having a good score today is critical for financial success. It gets you access to...

This is a Problem

Share According Forrester Research tablets will become the “preferred, primary device for millions of people around the world” by 2016. Tablets are taking the place of laptops and smartphones as the convenient computer of choice. This modern day convenience brings with it modern day compulsion. This is a problem! With its easy access to online music, videos computer gaming, Role play and gambling, the tablet will...

Stop Looking Back

Share  “Your windshield is larger than your rearview mirror for a reason. That’s because what’s in front of you is more important than what is behind you.” Joel Osteen This is a powerful statement. In other words, it’s time to stop looking back. When Joel Osteen made this statement he didn’t pause for one second. This was just another day at the office for him. Most people would stop and wait for...

Holiday’s Mean Travel Time Are You Ready?

Share Can You Take a Vacation without Exhausting Your Families Budget? This is a question that very few people can answer truthfully. Just because you have available credit on your credit cards doesn’t mean that you have permission to vacation. This is where many people fail. They borrow from their future in order to make provisions for today. This is an ongoing problem that is hurting families all across the country and I...

Financial Peace of Mind

Share Do you know… what the 5 C’s of credit are? Capacity, Capital, Collateral, Character, and Conditions.  Lenders use these factors to determine your creditworthiness. Read my new book Bound by the debt demon along with the accompanying workbook – Together these books provide a step-by-step guide for taking control of your money and your life, and you’ll learn this and many more helpful lessons in...