By Jacques | DEBT FREE LIVING
Making a family budget may be tricky, but it can be done. Here’s how. 1. Take inventory of all income. If a certain source of income fluctuates from month to month, use the lowest amount or average it out. 2. Keep track of all expenses for a month or so. Keep all of your receipts, […]
Continue reading
By Jacques | DEBT FREE LIVING
In some cases, bad credit is a result of irresponsible money management. But it often occurs because of unexpected financial hardship. One day you might have all of your bills current, and the next you could become disabled or lose your job. And if you fall behind on your debts, it will wreak havoc on […]
Continue reading
By Jacques | DEBT FREE LIVING
You may hear a lot of people talk about saving money and being frugal. But it has a negative connotation for some people. Just because you adopt the frugal lifestyle doesn’t mean that your life as you know it now will change. We can all tighten the belt and spend a little less for […]
Continue reading
By Jacques | DEBT FREE LIVING
Today more than ever people are trying to find ways to cut back and trim their expenses. Whether you are expecting a new addition to the family or expecting to retire in the coming months, the hardest part about adjusting is often changing your habits. Because we are creatures of habit it may take […]
Continue reading
By Jacques | DEBT FREE LIVING
One thing that everyone can agree on is the value of financial security. In an uncertain economy, it is important to do all that you can to help solidify your financial future. This begins with goal-setting strategies towards that end. Why Set Goals? Just like with any other area of your life, goals give you […]
Continue reading
By Jacques | DEBT FREE LIVING
Birds use their nests as a place of safety for their unborn eggs. They warm them and watch over them until they are ready to hatch. This is about what you do with your financial nest egg. Here are some tips for nurturing your future savings. Everyone needs something set aside for the days […]
Continue reading
By Jacques | SUCCESS PRINCIPLES
Getting old is not an easy thing. When you stop working, all you have is the money you’ve saved and set aside for retirement and beyond. To make the best use of that money, here are some frugal tips for seniors to make their dollars work harder. Living to see your golden years demands a […]
Continue reading
By Jacques | SUCCESS PRINCIPLES
WHY YOU SHOULDN’T DEPEND ON THE GOVERNMENT! The rhetoric today is about creating jobs. The government is not in the business of creating jobs. If government is left to itself it will build a pyramid of government workers who want to keep perpetuating their jobs. The role of government is to maintain an environment where […]
Continue reading
By Jacques | SUCCESS PRINCIPLES
What do people worry about: The future, family, job, health, retirement, bills, etc. What does worry accomplish: Sleepless nights, anxiety, lack of energy, ulcers, indecision, loss of confidence, etc. Worry is negative thinking at its worse. At times we worry about things beyond our control and most of the time nothing happens and we […]
Continue reading
By Jacques | DEBT FREE LIVING
The whole U.S. seems to be focused on banks and what we must do to keep them afloat. What do banks do? They lend money. That’s how they make money. Lets imagine that everyone stopped borrowing from banks ( that includes credit cards) and they saved and paid cash for everything. First of all people […]
Continue reading