Which Budget Tool is Right For me

Which Budget Tool is Best for Me? (Video)

I often have people ask me, “Which tool should I use for my monthly budgeting?” I always answer: “The one that you WILL use on a regular basis!” It’s really a matter of personal preference. Some people like old fashioned pen (or pencil) and paper. Many of my financial coaching clients use my Prosperity Plan Worksheets. Others prefer to use …

What To Do When There’s Not Enough Money to Pay All the Bills (Podcast)

When there’s not enough money to pay all of the bills, we can end up making emotional decisions that make our situation even worse.  I’ve been on both sides of the collections equation – I used to work as a collector for Citibank and I’ve had times in my life when collectors were calling me.  I understand how stressful and …

The Spirit of Giving (Podcast)

In this episode I’ll discuss how giving money to charitable causes helps us stay financially healthy.  It’s a great paradox that the more generous we are, the richer we become both in spirit AND in our bank accounts.  I’ll talk about the benefits of giving, the barriers to giving, how to get started on your journey to becoming a generous …

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 …

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 …