"For the moment all discipline seems painful rather than pleasant, but later it yields the peaceful fruit of righteousness to those who have been trained by it". - Hebrews 12:11 (ESV) 

The real estate marketing machine will try to...

Are you "sort of" getting out of debt? In the ten plus years I've been a financial coach, the number I've times I've heard people say, "we're totally working the Dave Ramsey (i.e debt elimination) plan.... well.... sort of", is staggering.

It...

I'm personally a huge believer in Dave Ramsey's "Baby Steps". These are the steps I followed to eliminate over $43,000 of consumer debt in just 2.5 years.

The financial discipline I learned following this system, absolutely changed my life,...

7 things you should ABSOLUTELY spend money on? Are there actually things you should "absolutely" spend money on?

Well, yes there are!

I know, it's a little weird right? A Financial Coach telling you that it's (sometimes) okay to spend money and...

Are you looking for a surefire way to amp up your budgeting prowess and trim away expenses so you can save more money and maybe get out of debt even faster?

If so, the dollar store (like Dollar Tree, Big Lots, Dollar General, Family Dollar, etc.)...

"Why do I need to rewrite my budget every month?" It's a common question we hear and an understandable one as it doesn't seem to make a ton of sense to do so, at first.

At first blush, it seems like once you've gotten it down, it really...

Budgeting can be really overwhelming at first. There’s so much mental and emotional effort that goes into just getting that first draft down on paper.

There are so many items to write down and categorize, so many dollar amounts to recall,...

 Are you ready for this recession? If not, are you preparing?

One of the big wins you'll see when you engage in the process of getting out of debt is the increased awareness about everything you spend money on.

As you engage ever more intently, the whole process gets you laser focused on refining your...