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I recently overheard a guy talking a little too loudly at the library saying that he didn’t follow a budget because he’d never been a rule-follower. He wasn’t gonna let anyone tell him what to do with his money. In his mind, budgeting was clearly not for him. It took everything in me to not speak up and interrupt the conversation. Clearly this guy had it all wrong. He wasn’t…
DEBT The word in and of itself is unassuming with its silent B and short stature. In fact, I’ve grown quite fond of 3/4 of the word being that I use my name to form the word. But for many this subtle little word indicates whether they sink or swim in life. Whether their bills are paid. Whether they get along with their spouse this month or whether divorce is…
Do you know what the old saying “put your money where your mouth is” means? If you don’t, it essentially means that you should shut up about what you’re passionate about unless you’re willing to spend the money to support that passion, that dream. Or, put another way, that you should take action to practice what you preach with your pocketbook. Pay up or shut up. Dream Big! I want…
Do you have goals for your future? I’m not talking about a few New Years resolutions that may be made and forgotten in a matter of the first few weeks of the year. Nor am I talking about looking one or two years out as I referenced in this post. I’m talking REAL. CONCRETE. LONG-TERM. GOALS. I’m thinking more along the lines of 10+ year goals. Goals that may not…
1. What is an emergency fund and when should you use it? An Emergency Fund is money that you set aside and save for times when your usual monthly paychecks or the money you have budgeted won’t cover an expense. Everyone has their own idea of what an emergency is based on their level of preparedness. We will touch a bit on this below, but it is good to establish…
“Stagnation is death. If you don’t change, you die. It’s that simple. It’s that scary.” -Leonard Sweet Stagnation is, by definition, a period of having little to no growth. Sweet is essentially saying that if you don’t grow, learn, or change, you will waste away. When our lives have little to no growth, we die a little bit more every day. We lose the motivation and drive to keep taking those steps…
