Financial Problems are Temporary

Financial ProblemsIf 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. Continue reading

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Don’t rob Peter to pay Claus this Christmas!

Hey remember, there is life after Christmas – also bills and other obligations.  So if you did not get a chance this year to set something aside to purchase Christmas gifts, it may not be a good idea to rob Peter to pay Claus!

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. Continue reading

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 previous NBA lockout. Continue reading

Broke ’til Payday? Avoid Living Paycheck to Paycheck!

We all heard it before, catch me on payday! Those infamous words from family members, friends and even ourselves are often uttered as it relates to unexpected expenses that arise between paychecks. Let the truth be told, if we lost our job today many of us would be out of luck. Continue reading

Keeping up with the Joneses will keep you broke!

Big houses, big cars, big ticket items…..we see it, we want it, but should we really have it all? We’ve all been there…..your neighbor returns with a shiny new 52 inch flat screen television and all of a sudden your 32 inch just isn’t that shiny.

Or what about your friend moving into a large home behind the pearly gates and now your traditional ranch home seems a thing of the past. But before you make another big purchase there are some things you first must consider! Continue reading