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In December 2007 one of my daughter’s best friends was killed in an auto accident. My daughter was 16 and devastated. My husband and I were in the depths of our financial darkness, at the lowest point we had ever been. Read the rest of this entry »

The slogan or mantra “stop, drop and roll” is very familiar to most of us. When used in the proper context, such as a fire, “stop, drop and roll” is the action that we must take to save our life. However, when it is used in the wrong context the results can be devastating. Read the rest of this entry »

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 »

Immediate Mortgage Application: Chapter 13 and Chapter 7 Bankruptcy

While immediate applications for mortgage loans can be filed with both types of bankruptcies, there are some differences between the two. Chapter 7 filers must wait until the debt has been completely discharged to apply for a loan. Conversely, those who filed as Chapter 13 can apply immediately because they have been put on a payment plan. Additionally, those on a Chapter 13 payment plan have the ability to pay off their bankruptcy debts using the equity from their new home. Read the rest of this entry »

budget debt emergency fund

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