4 No Brainer Ways to Avoid More Debt During the Holidays

Over 80% of Americans have debt: mortgages, car loans, credit card loans etc. You likely fall in that number and you likely want to pay off your debt. Whether you’re the type of person who is really good about making sure you pay more than the minimum payment every month or you’re struggling to do

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Setting SMART Goals

One of the primary reasons people don’t stick to goals is that the goals are not appropriate or realistic.  Often, when we decide to do something, we set lofty goals without defining specific milestones and eventually we give up because we get discouraged with our lack of progress towards the end result.  We may not

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How Do the Rich Stay Rich?

“My family has money and we still shop secondhand. How do you think the rich stay rich? Did you know Mary Kay clipped coupons?” One day, I was on a plane to San Diego and, I was speaking to the guy next to me about investing in yourself and the conversation expanded to the difference

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Don’t Call in Sick, Call in Broke: 5 Things to Do at Home to Improve Your Money Matters

Let’s Make a Vacation Out of It Data from the World Tourism Organization (WTO) find that America ranks amongst the lowest in developed countries in the average annual amount of vacation time their citizens receive. Member-countries of the European Union (EU) like Italy, Germany, France, and the United Kingdom receive, on average, 42 days, 37

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CHANGE: Consistent ~ Honest ~ Action ~ Now ~ Grow ~ Encouragement

Last week I talked about the Process of Change and taking two steps forward and one step backward. Mistakes and slip-ups are going to happen as we’re on this journey! Accepting this makes it much easier to keep going the course. If you’re like me what you want to change may be a long standing

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Smart Ways To Use Your Credit Card

Credit isn’t bad; the misuse of credit is bad.  Credit can be very dangerous in the hands of an impulse spender or a person who defines herself by her closet.  This can cause that individual to go into a lot of debt.  However, if used wisely credit can be very helpful.  Let’s face it.  Our

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5 Steps to Change

As human beings we get fantastic ideas, have the energy and excitement to implement them only to find ourselves struggling a few weeks or even days later. And such is my journey to financial freedom that I’m sharing with you. Understanding the five Stages of Change has been helpful for me to have compassion for myself when

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The Only Quality That Separates You from Being a Black Millionaire (and It Isn’t Difficult)

My current reading situation is Dr. Dennis Kimbro’s The Wealth Choice.  According to his work, there are 35,000 black millionaires in the US today. When I came across this number, I was a little   a lot underwhelmed. I started to wonder how many more of us could be millionaires if we could just get our

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Process of Change

Have you ever noticed how you are motivated to change, talk about change, begin to change, and then stop? Whether it’s saving money, losing weight, or cutting back on drinking when it comes to making lifestyle changes it’s hard! At the end of the summer I was ready to let go of and change some

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How to Increase Your Savings by Making It Automatic

If there was one book that totally transformed my approach towards money, it had to be the Automatic Millionaire by David Bach.  This book taught me that if I want to be successful with savings and investing, then you must make it automatic.  The brilliance behind this concept is you can’t spend what you don’t

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