Pssst! Wanna know a secret that will change your life? The more money you save, the more peace and freedom you’ll have. Most Americans are not saving enough money. Nearly 2 out of 3 couldn’t cover a $500 emergency without using credit. And 1 in 3 has NO money saved for retirement. These are scary statistics. I […]
Show Your Money Who’s Boss – The 2nd Step to Financial Freedom
What would happen if you had a family emergency? How would you pay your bills if you lost your job or got sick? Could you cover an unexpected expense without having to borrow money? Last month I shared the first step to financial freedom – track where your money is going. Today I’m going to […]
Your First Step to Financial Freedom
Personal finance can be a very personal and emotional topic. Even though it’s one of my favorites, I shy away from it because it can cause visceral reactions. Of the hundreds of blog posts and newsletters I’ve written, it’s the only topic in which I’ve been blocked and unsubscribed. In a recent survey, my readers […]
Make Money Selling Your Crap – 6 tips to sell it fast and get what it’s worth
Personal finance can be one of the greatest sources of stress in our lives. Nearly two-thirds of Americans are said to be living paycheck to paycheck. While these statistics are frightening, there is hope. Over the years my husband and I have watched countless people (including ourselves) find financial peace. It’s possible even on a […]
The True Cost of Debt – Are you making a million dollar mistake?
How would it feel to be free? Free to chase down the opportunity of a lifetime? Free to spend more quality time with your family? Free to stand up to that bully of a boss once and for all? Freedom isn’t just for trust fund kids or lottery winners. Freedom is available to anyone who […]
10 Tips to Deal with Job Loss and Other Unwelcome Change in Record Time
It happens to all of us. Everything’s going according to plan and BAM, we get the shocking news. Whether it’s a layoff, a breakup, or illness, these unwelcome changes can be devastating. Change is one of my favorite topics in the life skills classes that my husband, Jer and I teach. Someone once said […]
How to Eat Well without Spending Your Whole Paycheck
… or Your Whole Life in the Kitchen Never eat processed foods. Cut sugar. Eat clean. Buy organic. Cook from scratch. Drink more water. Ack! Who has time for that? Not to mention the budget? I hope to convince you that you do. With a little bit of planning and prep work, you can eat like […]
5 Reasons to Invest in Yourself & How to Make it Happen
How much have you invested in your education since graduation? Up until recently, my answer to that question was, “not much.” I have always believed in continued learning and personal development. I have invested thousands of hours into reading books and listening to podcasts. But I’ve been quite frugal when it comes to the financial […]
5 Ways Gardening Will Change Your Life
Have you tasted a ripe tomato fresh off the vine? The taste is incomparable to what you get at the grocery store. Now imagine going into your backyard and having your pick of fresh produce for dinner. Enticing, isn’t it? You might be wondering why a blog about change and personal development is covering cycling […]
Build a Solid Foundation for Change by Taking Control of Your Finances
Stop Waiting for Retirement – Start Chasing Your Dreams – Part II A 2015 Bankrate poll found that 62 percent of Americans don’t have enough savings to cover a $500 repair bill. Investopedia cites a Federal Reserve study that indicates that 43 percent of American families are spending more than they make. Nerdwallet reports that “actual […]