Move on Over.

December 3, 2013 — Leave a comment

Hi Friends,

The time has finally come where I am able to transition from a hosted blog to a self hosted website.  Unfortunately I don’t have the access to move all of my WordPress subscribers over to the new site.

If you’ve been following this blog via e-mail, don’t worry.  You’ll continue to receive updates on the new site.

If you’ve been following this blog with your wordpress account, please head over to and re-subscribe.  There are free bonuses now!

It’s been fun to write on this blog and I’m looking forward to what we can do together over on the new site!


Thank you for your support,


How To Get Free Money.

November 27, 2013 — Leave a comment

Are you planning on attending college?  What about your kids, will they attend soon?  If so, there are a few critical financial things you need to know prior to enrollment.

First, you are primarily going to college to receive an education that is applicable in the marketplace.  You are not going to college to become Beer Pong Champion or to make lifelong friends.  You can do both of those things for significantly less money.

Second, you need to have a part-time or even a full-time job while you’re going to school.  The income is nice and helps offset tuition costs, but more importantly the connections you make and experience you gain will beef up your resume` and put you far ahead of your peers after graduation.

Third, there are people out there who want to help pay for your college.

There is an abundance of scholarship and grant opportunities for those students that are willing to look for them.  Here are a few things you can do for the best scholarship success:

  1. Crush it on your ACT’s and SAT’s. Taking these tests a few times to get your scores up can help huge for getting scholarships.  There are even test prep centers that will teach you how to take these tests.
  2. Church.  The church you grew up in and the church you are attending in college may have scholarships available.  Just ask, then apply.
  3. Your parents company.  All this takes is asking to see if there are any opportunities available.
  4. Extra curricular activities.  The booster clubs of most after school programs have funds set aside to give scholarships to seniors.  Apply.
  5. University Scholarships.  Most private schools and some state schools have benefactors that have donated money specifically for scholarships.  Check those out to see if you can get your hands on that free money.

You’re going to have to dig, but there are tons of scholarships available to help you pay your way through school, without needing to take out student loans.  Think of scholarship hunting as a new part time job.

Question: Where are some different places you’ve looked for scholarships and grants?  Leave your thoughts in the comments.

Simply put, don’t.

Outside of hearing someone say they got a TV for 70% off, have you ever heard anything positive about Black Friday?

You have to wake up crazy early.

Fight parking lot traffic.

Wait in ridiculously long lines.

Avoid being trampled to death as the store opens.

Find out that the item you waited in line for is sold out.

Pick up a bunch of stuff you don’t need or didn’t go to the store for in the first place.

Stand in a checkout line that wraps around the entire store, twice.

Spend more money than you intended to.

Fight parking lot traffic, again.

Just to get home and realize that you still have more Christmas shopping to do this season.

I’ve never heard anyone say they had an enjoyable Black Friday shopping experience.  Regardless of how much money you can save on all that stuff, it’s still a painful process.

So, the best way to shop on Black Friday this year? Don’t.

Do you plan on getting out early this year to go shopping?  Leave your thoughts in the comments.

Everyone that’s in a financial mess wants to not be in a financial mess as fast as possible.  So they do dumb things like buy lottery tickets in hopes of solving their problem.  It’s important to recognize that you didn’t get into a financial mess quickly so it’s not realistic to expect to get out overnight.

But there are two key things you can do to speed up the process. Continue Reading…

Emergencies Happen.

November 21, 2013 — 1 Comment

You know saving money is important.  You’ve heard it over and over again.  Is it actually starting to sink in though?

Now it’s time.

When you do your budget this month, you get the opportunity to really say where your priorities are.

When you start taking action with your money the first thing you must do is build up a small emergency account.  Rainy days happen.  Cars break down.  Kids get sick.  Cory and Topanga break up.  Bad things happen and you must be prepared for them.

Your first savings goal is 1 month of your GUTS (the essentials) in a savings account.  Most people, when they get intense enough, can do this in an average of 6 weeks?

Are you ready?  Can you do it?  Prove that saving money is a priority to you.

It’s the sneakiest of all holidays.  They must keep changing the date or something because this year, Christmas is in December.

If you really want to celebrate and tell your kids and friends and family about the birth of Jesus, it’s vital that we buy them all stuff.  That’s what the retailers have told us at least.

I’m not opposed to you buying some gifts, and I don’t mean to sound too Christian cliche, but the real reason for this season has nothing to do with how cheaply you can buy a 60” flat screen or seeing how many colorfully wrapped presents you can stuff under a fake pine tree.


But I know we’re all going to want to get our loved ones something this holiday season, so here are some tips that will help you as you get ready to shop for presents for your family and friends: Continue Reading…

Do I really need insurance?

November 14, 2013 — 1 Comment

Yes! You do.  I could probably end there and this could be the shortest blog post ever.  You really do need insurance, but some policies are scams and others are just unnecessary.  How do you know what is important and what is a waste of your money?

Now, I know talking insurance is probably your favorite part of financial planning.  It’s like Disney World for your money.  In reality, it’s fairly boring.  But it is essential that before purchasing any type of policy that you understand it completely and know how it’s designed to protect you. Continue Reading…

Student Loans Steal Dreams.

November 11, 2013 — 3 Comments

There’s another financial storm brewing.  Disasters like what happened in 2008 are somewhat unpredictable.  We knew that something would happen with loose lending guidelines in a subprime market.  We knew that real estate shouldn’t appreciate quite as fast as it was.  We just didn’t know what that devastation would look like when it actually happened.

But the writing is on the wall with this storm.  We know exactly what it’s going to look like and the results that are going to come along with it.  I firmly believe the next financial meltdown and consumer crises we have in the United States will be caused by student loans.   Continue Reading…

It’s great hearing old time expressions like, “If you can’t stand the heat, get out of the kitchen,” or “If you don’t want to be burned, don’t play with fire.”  But here’s one for your money.  If you don’t want to be bitten by a snake, don’t play with snakes.

That may seem like common sense as an expression and you probably don’t think it relates well to money, but why do so many people “play with snakes” in their financial lives?

Continue Reading…

Do you really want to get better with your finances?  Are copious amounts of cash something you want to see in your future?

Is your desire to build wealth greater than your desire to have your head in the sand about your money?

If you’re really ready to make an impact on your finances then you need to know that the most important financial tool you have is to do a monthly cash flow plan. Continue Reading…