I’m going to let you in on a little secret to budgeting. I only know a few people that do this, and it’s kept them debt free for a lifetime. Frequency is key. Rather than budgeting monthly, do it once a week. My wife does her budget weekly; every Sunday night. It’s practically a ritual…
DetailsI met Sean Stephenson recently at a conference, this 3 foot giant can inspire anyone. Sean has a rare disorder called osteo genesis imperfecta. Basically that mean’s his bones are very brittle and break easily. His parents were told he wouldn’t live very long after birth. But Sean didn’t give up. He is a board…
DetailsWhat’s the deal with carrying a credit card balance, why are people okay with it? If you are charging on your credit card, collecting tons of free rewards and paying off your balance in full every month, congratulations you are what credit card companies would consider the true deadbeat. They barely make any money off…
DetailsPeople need to “get” that debt is mostly bad. Somebody always profits from debt and its usually not the borrower. Borrowing against an asset that depreciates is dumb. I’m talking about people that can’t afford to pay cash for that new TV and they think that it’s a good idea to buy it on a credit…
DetailsSchools are supposed to prepare us for the real world. They teach us skills like: English, math, history, geography. They run us around a racetrack so we don’t get fat and teach us where babies come from and how to avoid becoming a teenage parent. Here’s the thing though. Isn’t personal finance and real lessons…
DetailsI’m pretty habitual, so I usually travel the same route every day to work and back, at around the same time. So I often see the same cars and people in them at stoplights. It blows me away to see folk’s driving a car that is obviously in desperate need of a new set of…
Details“The cheque is in the mail” If the cheque hasn’t been sent, why lie about it? Bill collectors aren’t dumb. If you really did make the payment, have proof ready. They will ask for it. “Let me speak to your manager!” It’s a collection agency; do you really believe that you will get your way…
DetailsProbably not. Here’s the thing, lawyers are not cheap. Trust me, I know, I’ve used them many times. They are very good for handling legal matters like fighting over an outcome in court that you rightfully need to win. But that’s about it. But if you have credit card debt, and you legitimately owe it,…
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