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  • Financial Confidence Strategy

    Realizing financial confidence means you can finally live the life you want. It’s a tremendously freeing achievement that can help you feel secure, but it’s elusive for most of us unless we take the proper steps to achieve it. It is imperative that you develop your Financial Confidence Strategy. Paying yourself first is the first rule to achieving financial confidence. That means each pay day you should make it a habit to transfer part of your income (10 to 20 percent) to an investment [...]
  • 6 Tips on Borrowing from Friends or Family

    Borrowing from Friends or Family The general rule of thumb for borrowing from friends and family to reduce your debt is – don’t. You’re likely to get a much better deal from them than getting a loan from a bank or other lending institution, but the risk is personal and may mean inviting an eventual rift between the people involved. Reason #1: Too tempting to use the money for other purposes One reason you should never borrow from family or friends is that it’s so tempting to use the [...]
  • How to Have a Get Out Of Debt Emergency Plan

    Have a Get Out of Debt Emergency Plan Heavy debt can make you feel as if you’re drowning. You may feel like an elephant is sitting on your chest preventing you from breathing, feel out of control and feel panic that keeps you from thinking clearly. Until you formulate a plan for getting out of debt, you’ll keep floundering and the debt situation will only get worse. When you’re finally determined to rectify the situation by doing everything possible to get out of debt – it’s time to [...]
  • How to Use a Home Equity Loan or Refinance Option to Get Out of Debt

    How to Use a Home Equity Loan or Refinance Option to Get Out of Debt Using a home equity loan means that you take out money against the equity you’ve paid into your home Homeowners can take advantage of a home equity loan or refinance option to get out of a debt spiral by using the money to consolidate consumer debts. Using a home equity loan means that you take out money against the equity you’ve paid into your home based on the difference between the amount you owe on the mortgage and [...]
  • Those Nagging Student Loans – What are Your Options?

    Those Nagging Student Loans – What are Your Options? It’s always best to know your options when addressing any debt. Student loans can especially be a long and complicated process that might seem overwhelming and even put your good credit at risk if you don’t pay on time. There’s a lot at stake, so you should know how to manage student loan debt. One thing you need to know before acquiring a student loan is to first look for federal student loans. 1. Private Loans aren't Backed By [...]
  • 5 Ways to Deal with Debt Collectors

    How to Deal with Debt Collectors Those harassed by debt collectors often panic from the pestering. Constant phone calls, being abusive on the phone, calling at work or late at night are not acceptable and should not be tolerated. 1. Know your Rights If you have an outstanding bill and are being harassed by debt collectors, you should know your rights. For example, ask for a written notice stating how much you owe, who the creditor is and your rights from the debt collection act if [...]
  • Avoid Get Out of Debt Scams

    Avoid Get Out of Debt Scams When you’re desperate to get out of debt, you may be tempted to grab the first offer that comes along to relieve the pressure and chaos that debt can bring into your life. Unfortunately, there are get out of debt scams that can bring even more pressure and chaos into your life. You should avoid them at all costs. These scammers target those with high credit card debt by claiming they will negotiate with the person’s creditors or reduce payments or debt [...]
  • 5 Tips to Getting out of Debt Forever

    Steps to Getting Out of Debt Forever Many of us live in the moment when it comes to finances – if the money is there, or the credit is available, spend it or take advantage of it. If you truly want to get out of debt and remain out of debt, there are some steps you can take to make sure you avoid getting back in to the same old rut while you’re paying off present debt. Always remember that when you put that great sale item you found on a credit card, you’re paying much more than it [...]
  • Credit Counseling Agencies – Do They Really Help?

    Credit Counseling Agencies – Do They Really Help? Credit counseling or debt management services can help you get out of debt by providing you with a debt management plan to pay off your current debts. Never use a for-profit credit counseling agency. Non-profit agencies are available that will not only help you get out of bad debts, but which will also help you consolidate your outstanding loans such as auto and student loans. Your initial contact with a non-profit credit counseling [...]
  • First Step for Getting Out of Debt – Develop a Budget

    First Step for Getting Out of Debt – Develop a Budget The first and most important step for getting – and staying – out of debt is to create a workable budget. Whether you use a spreadsheet or other form of tracking your spending, you’ll feel more empowered when it comes to your finances and can finally begin to save money for things you want and need when you know exactly where your money is going. First, assess your net income – the money you bring home for expenses. Make sure [...]

F.A.C.E. Your Finances

Are you tired of living paycheck to paycheck? Want to leave generational wealth but don’t know the steps to get started? Don’t forget about retirement, does your current financial situation make you think you will have to work the rest of your life? Learn how to build a solid financial foundation and recover from current financial circumstances.

Essentially, there are 4 key ingredients that helped propel my finance to the next level and sustain efforts to build generation wealth.

The 4 key ingredients are …

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