Financial Problems are Temporary

If things seem a bit tight or finances are weighing you down, you have to understand it will not always be this way.

I know firsthand. While in college, I made financial mistake after financial mistake.  If it wasn’t the mall calling my name, a night out with my girls, or just living beyond my means, I always found myself spending money I didn’t have. After graduating from college, it finally dawned on me; I had to make some financial changes. [Read more…]

What are you leaving to your children? An inheritance or debt?

Financial ProblemsIf Jesus came back today and said to you, “Give me $500 and I will open the gates of heaven to you,” would you be able to receive His blessings? Or, would you have to go to Fast Cash for a payday loan?

Many of us have far too often spend more than we save. From youth, most of us are instructed to do things such as make good grades or avoid the use of drugs, but less often are we taught to budget or use credit cards wisely. The majority of the time, our spending habits are on depreciable items, such as cars, clothing, and jewelry. By no means, am I saying give up on spending on such items, hey we have to look good! But what I am saying is if we can make corporations wealthy, why not make ourselves and our future generations wealthy as well. [Read more…]

You make a lot, but how much do you keep?

It may be great that you earn a six-figure income, but if you live a six-figure lifestyle – the occurrence of one negative financial event can cause a financial downward spiral. Nothing teaches us this lesson more than the past NBA lockout a few years back. [Read more…]

How to find money you didn’t know you had

In today’s economy, many people are looking to cut costs, save a little here and there, and even downsize their lifestyles. Cutting expenses is important to having a healthy financial lifestyle, but so is increasing your cash inflows.

I know what you may be thinking: “But, I haven’t gotten a raise in years, costs are continuing to rise and it simply looks like there is no help in sight.”  But, have no fear! Even in today’s economy, there are certain steps you can take to increase cash inflows to survive.  Continue>>

 

Let your budget inspire you

We hear it all the time… we must spend within our budgets. But what does that really mean?  Many people spend aimlessly without preparing a budget and as a result, they usually come up short in their financial goals.  Trust me, I know.  There have been many times in my life, I figured I would just “wing it” or spend according to my feelings.  But that type of attitude got me nowhere.  It wasn’t until I decided I would commit to a budget, then and only then did I see changes in my finances.  Now does this mean that you cannot improvise if needed?  Maybe – or maybe not.  Things change and times change.  We simply can’t predict every single thing in our future, but you must use your budget as a roadmap to help you to reach your financial goals.

So whether your desire is to pay for your kids to go to college or simply become debt free at a certain age, your chances to achieve your financial desires are better if you simply prepare and live within your budget. [Read more…]