3 Reasons Why Managing Your Budget on Payday is so Vital to Success

You created a budget – GREAT!! But now what do you do with it?  A common reason that budgets fail is that they are only looked at once a month which means that it’s too late to fix any lapses in spending.  Regularly checking into your budget throughout the month not only keeps you inContinue reading “3 Reasons Why Managing Your Budget on Payday is so Vital to Success”

Increase Your Income to Fix Your Budget

As we know, fixing our budget to have a surplus to pay down debt and increase savings is the first vital step you need to take to start on the path towards financial freedom.  There are various different ACTIONS you can take to increase your income that we will discuss today but before we diveContinue reading “Increase Your Income to Fix Your Budget”

5 Very Impactful Ways to Decrease your Spending to Improve Your Budget

Photo by rawpixel.com on Pexels.com   Decrease Your Spending to Turn your Deficit Into a Surplus Each Month A budget that has a deficit each month leads to more and more debt and if not fixed, will lead to worse and worse financial health in the future.  There are 3 ways to flip around aContinue reading “5 Very Impactful Ways to Decrease your Spending to Improve Your Budget”

Spending Tracker – Budget Creator

Why are you creating a budget? This is a very important questions to start with as having the discipline to stick to your budget can be extremely difficult at times and you must remain mentally strong.  When you start with the Why, it will give you purpose on your mission to stick to your budgetContinue reading “Spending Tracker – Budget Creator”

Pro’s and Con’s of Balance Tranfers

Do you feel like you are paying a ton of money each month towards your debt and that the amount you owe never seems to really change?  Credit Card interest can add up quickly since most interest rates are between 15-25% causing you to fall into the Minimum Payment trap which is designed to beContinue reading “Pro’s and Con’s of Balance Tranfers”

Easy Money Mistakes that we must avoid

Not taking advantage of a company 401k match. This is literally free money and if you start young, with time and compound interest you could be throwing away what could one day be 100k+ in your retirement fund.  If you are working for a company that matches, do what ever it takes in order toContinue reading “Easy Money Mistakes that we must avoid”

5 Step Budget Plan- The Foundation of Financial Freedom

5 Steps to creating and sticking to a budget Income vs Expenses   The first step of creating a budget is to come up with a list of ALL your expenses and the amount of income you earn in a given month.  This part is vital and it’s my recommendation that you over estimate howContinue reading “5 Step Budget Plan- The Foundation of Financial Freedom”

9 Money Habits for a Fearless Financial Future

Do you feel like you can control your money and make a budget work for you for a month or two only to have an unforeseen event occur that derails everything?  You are not alone, the average person, regardless of their income level is in the same boat.  Creating good money habits is a lotContinue reading “9 Money Habits for a Fearless Financial Future”