Resources and information for moms.
If your family finances are getting a little unruly and you want to do more with you money and for your family, here’s a quick checklist guide to help you out. Find out what you should include in your budget (some things you may not have thought of before) and what to do with that information.
Click here to get yours (PDF)*
Each and every year, after the holiday credit card bill shows up, we make resolutions with the best of intentions. And, within a month or maybe less … we’ve given up completely. Why is that?
Vague Goals
The goals we oftentimes set are unrealistic or are too vague to be trackable. Here are some examples of resolutions [Read more...]
I know that the holidays are just beginning and you probably don’t even want to begin thinking about next year, but it is inevitable that next year will come, and it will be here sooner than you think. The months just have a way of “flying by”. So, my question is “when do you start planning and saving for next year?” When do you begin to think about the expenses that you will have again this time next year in order to celebrate the holiday season?
One thing is for sure, we’d all be better off if we did think ahead, if we did begin to think and plan for the next holiday season as soon as this one ended. Instead of letting the months fly by and remembering too late that we have a long list of gifts to by, meals to fix, and holiday cards to send out. Expense after expense that throws us all into orbit each year, though we all know it is coming. No surprise, yet why do we always let it catch us by surprise and through us into a financial crisis year after year?
So this year, think smarter, and start earlier so that you can be prepared for the expenses of the next holiday season.
The holiday season is one of the many times of year when families find it hard to keep the budget in check. The following article gives you 10 ideas to reverse the vicious cycle.
By Cindy Morus, Creator of the Pay Debt Quickly System
According to a Gallup poll, the average American family will spend $801 this year on Holiday gifts. Remember an average means that some people spend way more and some people spend a lot less. With economic times tough this year for most people, it’s a good chance to talk to your friends and family about cutting back on Holiday gift giving, seeking alternatives or even eliminating it altogether. Most people have more than enough “stuff” and that’s why they are so hard to buy for. [Read more...]
Here is a question I receive from clients and subscribers all the time. It’s more common a problem than we might like to think.
Question: I don’t know how to pay off my debt. My debts are more than the money I earn each month. What can I do?
Answer: That’s a tough spot to be in. Let’s look at the scenario that your debts are higher than your income but you’re still able to make the payments. It sounds like this is really worrying you – maybe that you won’t be able to make the payments soon. So, now is a good time to be asking this question. Since you can make the payments, every month, you’re actually in a good position to be able to eliminate the debt over the next couple of years (perhaps sooner). Here’s what to do…
1. From Minimum Payments to Fixed Payments. Convert all your current minimum payments to fixed payments. That means that if you are paying $55.55 this month, you’ll pay that every single month until the debt is paid off – no matter what the minimum payment is on your bill.
2. Stop Using Your Credit Cards. There’s no grace period on cards that have a balance so you start paying interest on new charges immediately.
3. Get Clear on Your Debt. List every one of your debts on a piece of paper (you can get my form here) so you know exactly what you’re dealing with. Sometimes it’s worse than you thought and sometimes not so bad but you won’t be able to really know until you see it all in black and white.
Get More Help:
Eliminate your debt and save your money using the Pay Debt Quickly System. It comes with the software and strategies you need get rid of your debt without making an large payments or making any significant lifestyle changes. Click here to learn more and get started right away.
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