A 31-pound Difference My health coach shared a little piece of information with me: between Halloween and New Year’s Day, people gain an average of 11 pounds. Then I got another piece of information two weeks ago: if I continued on my Take Shape for Life weight loss plan, I could be down 20 pounds …
In America, we love to buy things on credit. Many of us buy everything on credit, including our groceries. Using credit seems easy. In fact it is easy. Stores make it as easy as possible. When you walk into “Good Buy”, they’d love to approve you a line of credit just by walking in the …
Bad advice Have you heard this advice? “You’d better get some credit when things are good because when you really need it, they won’t give it to you.” A lot of people believe that having credit is adequate preparation for emergencies. When there is a job loss, newly acquired disability or other misfortune, these people …
My sincere apologies for not getting this blog up this morning! I just got back into town. What Is “Creative Financing”? Creative Financing often refers to a bad plan to get something you really want but can’t really afford. It’s pretty common. Here are a couple examples. The “He’ll-Never-Know-You-Spent-It” Plan I learned about this payment …
As with any goal, there are 2 things that are essential for getting out of debt. They are: Break the task down in to manageable chunks Focus on one thing at a time With your debt, you focus on paying off one debt a time, or if each debt is too big, break it down …
Sometimes small steps can make big changes in your financial situation. Some of these small steps take a bit of effort, but the key is that each item in the list is just one task. Most of them can be done in less than a month or two. Some can be done right now, today. …
