Financial Challenges To Try Out

There are a ton of financial challenges out there. Today, I am going to feature a few that I feel would be great for you to look at and possibly try. Challenges are great and allow for us to focus for a certain amount of time on a goal. I don’t think that going through these is ever going to result in someone being worse off then when they started. Take a look through the list and make sure to click over to get more info from the websites I’ve linked. I would love to know if you’ve taken these […]

The Many Customer Types You Meet In Retail

Working in a customer facing environment where you are taking people’s money while conversing with them, you get to meet all kinds of people. This past week has really opened my eyes to all the different people out there that are really having some struggles, whether self inflicted or just going through a rough patch, or just starting out.

How To Cash Flow Emergencies When You Don't Have An Emergency Fund

How To Cash Flow Emergencies With No Emergency Fund

Emergencies happen all the time. Dave Ramsey commonly says “it’s not if they will happen, it’s when”. We know that we have to prepare for unexpected events to come up and rear their ugly head at some point. How do you handle emergencies when they happen? There are people out there that use a credit card as their emergency fund. Heck, for a little while we have done this as we build up ours. I don’t recommend going this route as common sense would ask, “why are you adding more debt during an emergency”? As we build our emergency fund, we are […]

How To Make a Budget In 3 Easy Steps

Creating a budget can be a very empowering or scary experience to some people. Too some people, they don’t want that monster to come out of the closet and tell them exactly what they are spending each month. To others, it gives a sense of control where they feel they really are telling their money where to go and giving every dollar a name and a place to march off to with a set of orders. If you’ve ever had a hard time creating a budget, you’ve come to the right place! I have laid out in 3 easy to […]

Does Your Budget Constrict or Empower You?

When was the last time that you created a budget? What was the experience like? Do you still budget month to month? Everyone has their own opinions about the dreaded “B” word. Yes, I’m talking about the budget. Depending on who you talk to, some people might shudder at the very word or thought. Others open up and you can tell that they feel freer than ever. They feel the budget helps them stay accountable and helps them get control of other aspects of their life as well. Why is this? What is it that gives people horrible memories about […]

6 Things to Think About When Getting a Pay Raise

So, you’ve been working hard to earn more income, you have been putting in the overtime and making yourself as productive and useful as possible. The boss finally realizes that you are worth more at your job and decides to give you a raise. Yay! What do you do with the extra money you are making? I think this question has a lot to do with where you are at in your path to financial freedom. If you still have debt and are still working to pay it off, then your choice is easy, just apply the extra to your […]