Save Up & Pay Cash

  You’re heard the saying, “Patience is a virtue.”  But did you know that patience can also make you rich?  Yes, it can!  By saving up and paying cash for the things your family wants, rather than financing your purchases with a loan or credit card, you add a lot of dollars to your personal bottom line.   Unfortunately, in …

How to Have a Car Without a Car Payment

            Wouldn’t it be nice to NOT have a car payment ever again?  Impossible?  Not really.  I haven’t had a car payment in over ten years; I promise, I’m not driving a nasty old beater car either!  When I became serious about being debt free, that meant I didn’t want a car payment.  My husband, Nick, has always paid …

Is Having Separate Accounts Okay, piggy bank with stacks of cash

When Having Separate Accounts is Okay

Married couples with separate accounts might conjure up images of mistrust or deceit between husbands and wives, but there are certain situations where separate accounts can actually be a good idea.  First, let me put forth a few disclaimers.  I think deliberately hiding money or debt from your spouse or partner is a horrible idea.  There is a difference between …

The Art of Negotiation ~ Part Two

    When you are purchasing a large item, like a car, furniture, etc. you usually have more room to haggle.  Keep in mind that the person with the most information and patience is going to get the best deal.  If you’re shopping for a large ticket item, be sure to do your homework and know what the going rate …

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 …