Thinking of buying your first home? Read these tips first!

I know that the American Dream has always been to get a good job, get married, have children, and then buy your dream home! However, the more people are becoming familiar with the concept of financial freedom, the more people realize this may not be the dream they want for themselves or their family, at least not how it has traditionally been done in the past. People are starting to be very careful on their first home purchase, and this is a great thing! Deciding to purchase a home is a personal decision. Where

It’s My Fault!

So as we embark on this New year of 2019 and many of us apply resolutions to better ourselves and our personal and financial lives it is important to ask ourselves what outside factors stopped us in the previous year from reaching our goals. Was it the dead end job, the holidays, your spouse,or unexpected vehicle expenses? We could go on and on about the variety of challenges that life will undoubtedly throw at you but ultimately and decisively the problem believe it or not is YOU! Own It! Taking accountability and ownership for

Avoid Overspending This Holiday Season!

This article contains affiliate links for services and sites we trust or use.  To learn more, please read our full disclosure.  With the Holiday season quickly approaching, it can be easy to overspend while in the holiday spirit. It’s the season of giving and we all want to put a smile on our family and friend’s faces! Sadly, its also the season most people rack of enormous amounts of debt!  Just remember, once the holiday season is over you’ll be responsible for all of the debt you accumulate! Use the following tips to avoid

How to Save, Pay Debt, and Maintain Bills on a Stretched Budget

This is a question that I get a lot, “How do I save, maintain my monthly expenses, and paydown debt at the same time! When you are drowning in debt while trying to pay your monthly bills it can seem like an impossible task to keep your head above water and saving seems out of the question!  I know many have trouble prioritizing what to they should be paying first or if they should be saving at all while in debt.  Sometimes it can be discouraging getting advice to just  “budget” and “cut back your

Why an Emergency Fund is Vital for Good Credit!

This article contains affiliate links for services and sites we trust or use.  To learn more, please read our full disclaimer.  I have seen people who were genuinely committed to building their credit.  They were using their credit cards responsibly, staying away from unnecessary debt, and paying their bills on time and then some unforeseen emergency happened to where it completely derailed their progress.  They had to either utilize their credit cards or take out a payday loan with an extremely high interest rate.  In some cases, this emergency would put them behind on

Change your Mindset to Change your Life

I was listening to a podcast the other day and the guest was speaking on wealth and how if wealth was distributed evenly amongst everyone in the United States, that within 10 years or less the same people who were poor would be poor again and those who were rich would have earned back what they lost and more. I know some may find this hard to believe, but think about it; how many people have you known that have come into a large sum of money only to blow it all?  This is