Category Archives for "Financial Health: Building Wealth One Step At A Time"
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There's no way around it (sorry Dave Ramsey)....
In order to move toward financial freedom, most of us need and or want a high credit score.
Dave calls a good credit score the "I love debt score" and says that we shouldn't to use credit cards at all.
While I agree with him to a certain extent (I talk more about it in this article), not having a good credit score can be crippling financially when it comes to buying a house or a car because the interest rates are so much higher.
And let's be real, as much as I love the idea of never using credit for anything, even a car or a house, realistically, most of us aren't really going to live that way.
If you are someone who doesn't adhere to the idea of using credit for every little thing, then I commend you. I'm right there with you.
But if you've are someone who has been living off of credit cards (been there done that) and ruining your credit but now realize the error of your ways and you want to cut the plastic usage to a reasonable and less frequent amount, then stick around because I want to just briefly discuss an important aspect of improving your credit score.
You see half the battle is knowing how credit reporting agencies calculate your credit scores in the first place.
Then may I present to you my Financial Fitness Progress tracker.
It's available for free in my Lifestyle Resource Library (along with other goodies)!
In today’s post, I’m going to share a quick money-saving tip that anyone can follow to start building wealth and moving towards financial freedom.
Is anybody else as slow as I am?
Come on raise your hands…
See I couldn’t figure out something.
Why am I not saving money like I used to?
I just didn’t feel like I was really cracking the whip on my money.
I want to be the boss of my money like a good Financial Peace University graduate should be.
So in this Quick Tip blog post (and by quick I mean one that doesn’t require my usual 2,000 words), I’m going to show you what I’m going to start doing to save more money.Continue reading
Some of us are in could be drowning in debt and guess what?
We might still decide to finance that vacation we’re going on in July.
That’s because as a society we have this philosophy that credit is free money or this “get it now pay for it later” mindset.
If we want to live debt-free as Christians, we cannot continue this way.
We are called to be good stewards of the money God has entrusted to us.
For so long, I wasn’t a good steward of His money.
I did some silly things with money that got me in major debt and I now regret but these silly things were also good learning experiences.
I’ve learned that sometimes knowing what you shouldn’t do isn’t a strong enough catalyst to get us to change.
Sometimes, we don’t even realize which financial habits keep is enslaved.
Looking at debt from this angle might help open our eyes.
If we want to reach financial freedom, we have to talk about debt and specifically credit card debt (and some tips to get out of it) which is one of the forms of debt that is strangling American’s the most.
Debt was such a dark cloud over my life.
The burden of debt being lifted off of my shoulders is a feeling I can’t truly describe except to say it felt like freedom.
I imagine it’s the same feeling you get when you retire. It’s an incredible experience.
But getting out of debt isn’t easy or fun because if it was everybody would be doing it.
So how do you get there?Continue reading