Stories

What is the Debt Snowball Method

Table of Contents Getting Started With The ProgramGathering All Your Credit BalancesImplementing the Debt Snowball MethodIs The Debt Snowball Method The Best? Have you stumbled upon this page wondering what the debt snowball method is?  The debt snowball method is simply a way to pay down debt.  While there are many ways to pay down…
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How to Become Financially Independent

Table of Contents If Only I Became Financially Indepedenent by Winning The LotteryIf Winning the Lottery Won’t Work, Then What?What Is Financial Independence?Taking Back Control of your Cash Flow And Become Financially IndependentIdentifying Areas to Cut Expenses On Your Way to Financial IndependenceMini Goals on Your Way to Financial IndependenceStrategies for Paying Down Debt To…
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7 Important Things to Know About Your Credit Score

Table of Contents What Is The Credit Score Made Up Of?What does an Excellent Credit Report Look Like?Why Would You Want a High Credit Score?Tips For Improving your Credit Report (Quickly)What Do I Do if I Have a Low Credit Score?What Are The Ranges?What Happens If I Miss a Payment?Final Thoughts About Your Credit Score…
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How To Get a Rental With Bad Credit

Are you wondering if your bad (or less than perfect) credit will affect your chances of getting a rental?  For example, if you have bad credit or no credit, you likely have doubts, questions, or concerns about being approved for a rental home. While it won’t be easy, there are some things you can do…
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Five Things to Look out for when Hiring an Investment Advisor

Maybe not everyone knows that the relationship between investment advisors and their clients is all based on trust. And trust is something that requires time to be given.  They say it’s not easy to find a trustworthy investment advisor, and I do agree with that: I am a professional investment advisor and I work hard…
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Design Thinking: Income & Cash Flow

As promised in our What We Want for you in 2019 article, we are jacked about design thinking this year, and how you can use it to optimize your life and your finances to create the life that you didn’t know you always wanted. This month, we are applying this thinking process to cash flow planning. Cash flow planning,…
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Obtaining a Mortgage for a Rental Property

You might have considered increasing your passive income by purchasing a rental property.  This really can be an excellent “side hustle” and provide a significant to your bottom line, over time.   Obtaining a mortgage on an investment / rental property is very similar to what I wrote in Getting Organized for your First Mortgage with…
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5 Easy Ways to Pay Down Debt

No one likes debt, especially bad debt. While paying it down can be a struggle, here are 5 easy ways to pay down debt that are sure to kick start your goal Balance transfer to a 0% card.  For example, the Barclaycard Ring Mastercard offers $0 annual fee, and 0% APR for 15 months. Then…
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How to Save Money When You have a Low Income

Saving money is something that everyone seemingly wants to do, but often have much difficulty accomplishing. When I look back at everyone I’ve worked with, I see that income itself has very little do with savings rates.  In fact, I’ve said many times “It doesn’t matter if you make $50,000 or $150,000 a year, unless…
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Common Types Of Retirement Accounts in the US

The thought of starting your retirement plan might seem daunting, but really, it’s not much different than planning a family vacation- in fact it can be as easy as putting together a grocery list. In my experience, folks tend to put off retirement plans as they think there are more (immediate) pressing things to think…
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