How to Get Out of Debt : Three Essential Areas to Focus On

How to Get Out of Debt : Three Essential Areas to Focus On

Debt is crushing us. It crushed me for a long time. Getting out of debt is one of the most important financial priorities anyone can have and becoming debt-free is one of the greatest gifts we can give ourselves.   If you’re in debt, odds are you feel like...
Taking Personal Responsibility for Your Potential

Taking Personal Responsibility for Your Potential

“Education is the passport to the future, for tomorrow belongs to those who prepare for it today.”  – Malcolm X Things are changing fast. We know so much more today than we the previous generation knew at this point in their lives. But it’s too much.  As we...
Financial Wellness: 9 Rules for Life

Financial Wellness: 9 Rules for Life

Financial wellness is a lot like personal finance; it’s in the eye of the beholder. You’re financial desires could be focused on accumulating millions, while mine could be focused on finding security and increasing certainty.  One’s idea of being financially well...
Budget Categories: Getting Clear on Wants Versus Needs

Budget Categories: Getting Clear on Wants Versus Needs

There are literally hundreds of potential budget categories you could track. If you’re looking for an exhaustive analysis of those hundred categories, you’re in the wrong place; turn back now.   If you’re looking for a breakdown of the most common and...