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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...

Value in Your Junk Drawer

Share Yes, the headline was correct, I am asking you to check your junk drawers. You may find that there is a financial breakthrough waiting for you there. Most people take things at face value. The let the hype surrounding an issue past them by thinking that it’s just a bunch of bologna. I use to be that way until recently when I became a believer in the hype surrounding info-commercials and windshield post it...

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...

Use Your Credit Card Wisely

Share Janice M. recetly wrote that a friend of hers gleefully exclaimed “I just got approved for my first credit card.” Without thinking she immediately blurted out “oh jeez please be responsible,” then quickly wanted to smack herself for sounding like her mom. Janice explained that she got her first credit card when she was 18 (and learned a few lessons the hard way), Janice wanted to give her friend a speech...

Have You Checked Your Credit Score Lately?

Share You may have not checked your credit score lately, but somebody probably has. When you apply for a credit card, a bank loan or a mortgage, lenders access your three-digit score to help determine the amount of money you can borrow and the interest you will owe on it. The term “credit score” usually refers to your FICO score, a number based on a formula developed by the Fair Isaac Corporation. Fair Isaac looks at a...

10 Steps to a Better Budget

Share 1. Budgets are a  necessary evil. They’re the only practical way to get a grip on your spending – and to make sure your money is being used the way you want it to be used. 2. Creating a budget generally requires three steps. – Identify how you’re spending money now. – Evaluate your current spending and set goals that take into account your long-term financial objectives. – Track your...