• April 4, 2018

    Spring Clean Your Finances

    What does it mean to spring clean your finances?  Spring cleaning occurs every year.   Some people clean up their yards.   Others deep clean their houses, removing unnecessary items.  Many people also attempt to “spring clean” their finances.  Getting things in order in your financial life could be the most important decision you make all year.  […]

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  • January 17, 2018

    Using Your Tax Refund Wisely

    Using Your Tax Refund Wisely:  Bankruptcy Can Reduce your Monthly Debt Burdens At this time of year, many families receive a tax refund.   Many times, these refunds are used to catch up on credit bills.  Other times people use their tax refund to take care of desperately needed household expenses.   However, using your tax refund […]

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  • January 3, 2018

    Financial Action Plan, Game Time!

    FINANCIAL COURSE #7 The final step to a complete financial overhaul is the Action Plan.   The action plan is where the “rubber meets the road.”  If you have followed the previous lessons in the series, you have grown in knowledge.   You have also grown in determination to live your financial life in totally new ways.  […]

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  • December 20, 2017

    Financial Overhaul: Course 6

    Do The Opposite of Everyone Else Another step to your successful financial overhaul is also very simple: almost always do the opposite of everyone else.   Although this is a very simple concept, it is still very difficult for most people to carry out.  Many people are fearful and skeptical of doing almost exactly the opposite […]

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  • December 6, 2017

    Never Take the “Easy” Way – Course #5

    Why does everyone take the easy way in life?  It’s simple – it’s easy!   It is much easier to do things the fast “easy” way instead of doing things correctly and thoughtfully.   The easy way has an immediate reward.   The correct and thoughtful may reward you many-fold over a life time.  One of the most […]

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  • November 22, 2017

    FINANCIAL EDUCATION: Get Dynamic! Get Serious!

    Sometimes you have to get dynamic to achieve anything worthwhile in life. You have to be serious about achieving your financial goals. This can mean taking drastic steps to radically transform your financial life. Choosing To Do Things Differently We have all heard the common phrase about being “crazy.”  The phrase goes like this: it is […]

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  • November 8, 2017

    Income Up! Expenses Down!

    Financial Education Course #3 One fundamental concept to financial success is simple: increase income and decrease expenses. Although this concept is very simple, most people do not apply it. Throughout your life, your focus should be on increasing your personal income and decreasing your personal expenses. Decreasing Expenses Most people have misplaced goals when it […]

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  • October 20, 2017

    How to Change your Financial Worldview

    Financial Education Course #2 Changing your financial worldview is a much larger task than what you may first anticipate. It requires a tremendous amount of dedication. It requires you to make drastic changes to how you approach life. It usually also requires you to do the exact opposite of what most other people are doing […]

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  • October 5, 2017

    Financial Class After Bankruptcy

    Financial Overhaul? Why would I need that? – Course #1 Living with a bad financial history is a pattern. The pattern always repeats itself. Nothing ever seems to go right. Money is always scarce. For many people who have recently filed bankruptcy, this is the reality they have always faced in the past. Finances are […]

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  • August 9, 2017

    Debt To Income Ratio

    Does My Debt to Income Ratio Qualify Me for Bankruptcy? To file bankruptcy, you must be “insolvent,” a term that basically means that you can no longer pay your bills. Your debt to income ratio can help determine if you are a good candidate for bankruptcy. Testing your debt to income ratio can help you […]

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