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The time you have been preparing for the past 18 or 19 years is finally here. Your teenager has graduated high school and is either off to college, the military or getting a job and setting up there first household on their own. Next, ask this question: Do they know how to handle and manage their money and avoid the mistakes many of us have made? I do not know about you but I have made plenty and they cost me a lot of money.

Here are 3 things to go over with your young adult to prepare them to be on their own: Read the rest of this entry »

Alright so you may be saying “What are you talking about?”  When I work with people to help them get control of their money, one main issue usually surfaces: we are spending more than we make and we have no idea where it is going.  Read the rest of this entry »

It’s the beginning of a new year, the resolutions have been laid out and the goals are getting set. How many times have you laid out your resolutions or goals, been fired up and ready to go and lost the passion in just a short time? I have more times than I care to recall. So how do we make this year different? To answer that I went back to the time that I set and accomplished my goals. Here’s how I did it and how did it change my life. Read the rest of this entry »

It’s that time of year again. We have finished up with Halloween and are eating the candy, heading to Thanksgiving. On the horizon, we see it looming larger than ever: Christmas – what are we going to do? We did not save for it and now it’s hear. It happens to more of us than we want to admit and it’s usually not the first time either. Read the rest of this entry »

So you have been doing a great job of staying on track with your spending plan. You have paid off some or all of you debt and are starting to build your emergency fund. And then it happened – a month that got away from you. Your emergency fund disappeared and you have over drafted you checking account several times. As the frustration and feelings of failure come over you, fight the lies and get up and get back on track.

Here are 4 ways to get back on track and stay on track. Read the rest of this entry »

budget debt emergency fund

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