The steps to creating a budget may not be an exciting task unless you are a financial nerd such as myself. Creating a budget is a necessity if you plan on accomplishing any financial goal. The most crucial component of a budget is knowing all the debt you have and all the income you have. Your debt may include: Credit… Read More
Proper Financial Planning for Your Death During Life
Two of my closest friends’ mother passed away recently. This was not a sudden death as she had been sick for sometime. My friend and her sister contacted me when they became aware of their mother’s illness, an illness that would lead to death. My friends contacted me to review their mother’s retirement and health care documents to ensure… Read More
How to Improve your Credit Score: Never Pay for Something You can Do Yourself
There are a lot of ways to improve your credit score. One way is to ensure that you do not have anything negative on your credit report and that you have a low balance on any loan that you have. There are companies that promise to fix your credit, ultimately improving your credit score in the end, but why… Read More
Ten Easy and Doable Tips to Reduce Your Personal Overhead Expenses
Do you feel like you are in over your head with your expenses and you are looking to make some small changes to your financial life there are a few things you can do? If you know about businesses you know that most businesses have overhead expenses. Business overhead expenses are the costs to keep the business running in terms… Read More
Federal Government Severance Packages: When Unused Vacation and Time In Service Becomes a Gold Mine
Hear ye, hear ye: The federal government DOES NOT have severance packages for its employees who leave the federal government. There used to be the trend that people wouldn’t leave their job until they retire. Amazingly, in the federal government, there is still this belief that one should remain employed until that person retires. This is mostly due to the… Read More
Paying off Debt: Debt Snowball Method vs Debt Avalanche Method
There are two ways that you can pay off debt: the debt snowball method and the debt avalanche method. When I discovered Dave Ramsey who is billed as “America’s trusted voice on money”, he spoke about the debt snow ball method and that is what I used. Under the debt snow ball method you list your debt from least to… Read More
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