The Art of Negotiation ~ Part One

Most Americans think that negotiating is something reserved for car purchases, job offers, and garage sales.  You won’t hear a lot of people say, “I love to negotiate and haggle over prices!”  This makes me sad, because we’re leaving a good amount of money on the table when we don’t negotiate. If you’ve traveled to other countries, you’ll know that …

what to do when there's more bills than money

What To Do When There’s More Bills Than Money ~ Part Two

Last week, in Part One of this article, I talked about how to prioritize your spending when you don’t have enough money to pay all of the bills.  If you got nothing else out that, I hope you remembered to be sure to take care of your necessities first: Food, Shelter, Transportation, and Clothing.  Of course, you’ll take a hard look at …

Your Credit Score is not the Best Measure of Financial Success

Your credit score is not the best measure of financial success! In the past few weeks, I have been saying this over and over. I’ve said this to my coaching clients, my social media fans, investment advisors, bankers, and mortgage brokers.  I think I shocked the investment advisor when I told him that I don’t know off the top of …

Are You a Financial Enabler, Mother, daughter, and son happy and laughing

Are You a Financial Enabler?

I used to be a financial enabler, big time.  In my twenties, I was engaged to a guy with horrible money habits.  He spent everything he made (and then some), was in and out of jobs, and even in and out of jail.  I was young and in love, and I thought that with enough love and encouragement, I could …

Debt = Financial Cancer, Part Two

       The Cure – Start moving in the right direction.        The first step to getting out of debt is to STOP BORROWING MORE MONEY!  As Dave Ramsey says, “You can’t get out of a hole by digging out the bottom!” It’s time for plastic surgery – cut up those credit cards!      The second step to getting out …