Debt Free Living

How do you budget on an unpredictable income? Most budgeting advice is based on the assumption of a consistent paycheck.  But if you're self-employed or are paid based on commission, your earnings will vary week to week.Trust me when I say, I know what you’re going through.  I’ve worked in sales for many years and have experienced the cycle of feast and famine.  It can make it very difficult to get ahead, let alone stay current with your bills. Whether you call it irregular income, variable income, uneven or unpredictable income, it can be difficult to manage.  To help you strategize your way to financial success, we've put together a simple 4-Step Plan that will help you develop a budget on an unpredictable income and get your finances on track.  ... [Read More]

Knowing how to save money isn’t always easy, so why not pick up a few money saving tricks?!  Temptation lurks around every corner;  there are ads online to buy this and that, billboards, commercials…the list goes on.  Fortunately, there are legit money saving tricks that can help you overcome these temptations and meet your financial goals. Not only can our environment trip us up but our minds can sometimes be our own worst enemy too! If a goal seems too big or a task too daunting, the brain has a tendency to shut down.  The best way to get your mind out of its rut and on to something productive is to trick yourself into thinking that whatever you’re doing isn’t work at all. We’ve put together a short list of our favorite money saving tricks. Whether ... [Read More]

Have you ever been given bad money advice?   It’s pretty common, so I’m sure you been there once or twice before.  You can probably remember a time when some well-meaning coworker, family member, or friend tried to explain to you how things "really" are but, instead of helping, it left you more frustrated and confused than you were before. As a teen, I vividly remember a family member telling me, “You know, you’ll always have a car payment. You might as well get used to it now and just get the car you really want.”  I thought that sounded depressing. Not only that; it isn’t true!Now, I realize that was just bad money advice advice, plain and simple.  And, I’m happy to say that our family has debunked that belief. We haven’t had a car payment in almost 10 years! Not only ... [Read More]

Whether you've recently experienced a job loss, major emergency expense, economic crisis, or all of the above, you can start to recover from a financial setback today.Life doesn't always go according to plan. That's often especially true when it comes to achieving financial goals. While we may not always accomplish everything we set out to do, the good news is that we can always salvage some semblance of our original plans and get back on track. In fact, that’s what we want to encourage you with today! As painful as it may be, now is the time look back at your financial goals, see how they’ve been derailed in one way or another, and begin the process of resetting.Plus, we have a fantastic resource to keep the encouragement going with our FREE 5 Day Money Boot Camp that ... [Read More]

Whether you’re a CEO making millions a year or a teenager working odd jobs for in the summer, everyone should cultivate a frugal mindset and develop the habit of living on less.  It may get a bad rap, but frugality is truly a lost art.  We could all benefit from learning to live well on less.  Many people associate “frugal” with “cheap.” Being “cheap” implies cutting costs and saving money to the detriment of our health, our sanity, and the people around us.  In contrast, “frugality” is about streamlining our lives, finding out what’s really important, and making a conscious decision to choose quality of life over quantity.     For these reasons and so many more, we encourage you to begin developing a frugal mindset and ... [Read More]