Personal Budgeting for the Small Business Owner (Podcast)

Personal budgeting can be difficult for small business owners (and commissioned sales people) especially if their income varies from month to month.  Those of us who are self employed can also encounter difficulties when they mix their personal and business expenses.  In this 15 minute episode, I’ll share how to do monthly budgeting with a variable income plus additional strategies …

Getting a College Education without Student Loans (Podcast)

  The average college student graduates with over $33,000 in student loan debt. Many Americans accept this as being inevitable if they want a college degree. In today’s episode, we’ll discuss ways to get an education with as little debt as possible!  Topics include: ESA & 529 Plans, In-State vs. Out-of-State Colleges, Community and Technical Colleges, Scholarship Opportunities, and Jobs …

Financial Resolutions Worth Making (Podcast)

In this episode, I talk about the financial resolutions that are worth making. I discuss how to set SMART goals that motivate you and your family. I talk about savings goals: a fully-funded emergency fund, saving for big purchases, saving for college and retirement. I also cover debt-dumping goals, income goals, and purely fun goals for 2015.  Click here to …

The Underbelly of the Financial World (Podcast)

We all know that there are dangerous financial waters we need to avoid. Today we’ll talk about the worst of the worst, the “Underbelly of the Financial World.” I’ll explain why you need to avoid payday lenders like the plague, think twice about title pawning, run away from debt consolidation, and save your money instead of wasting it on lottery …

If You Have a Mortgage, You Have a Master

Last week, we covered the “Real Estate and Mortgages” lesson in the Financial Peace University class that I’m facilitating at my church.  It’s always a weird lesson because it’s the only time that Dave Ramsey doesn’t go ballistic on us for having some debt.  Here are the reasons why: 1.) Most people don’t have the means or patience to save …