Three-Step Financial Plan

What most people have neglected is to create a financial plan. And, finances are definitely one of the most important things to plan for. Your entire future depends on it and it may take decades to execute. [...]

Four-Step Debt Evaluation Plan

One of the most comforting things to have in a crisis is a plan. Unfortunately, the last thing most people want to do is to think about their debt, so they avoid facing it. [...]

Surviving Hard Times

I had dinner this week with a good friend who has been unemployed for a prolonged period of time.  He is bright, talented, enthusiastic and well educated. He is also getting up there in age and has been unfortunate enough to work for a series of companies that have failed. So, he is having a hard time getting his [...]

Pay Yourself First

Why do you get up every morning and go to work ?

If you are like most people, you need to work in order to live.  Work isn’t necessarily a bad thing.  People have been doing it for thousands of years.  Unless your work is extremely stressful or dangerous, it’s probably a good way to earn money for the things you want [...]

Getting Started – Now is a Good Time!

OK, so you have come to the conclusion that you have to take control of your financial life and you are ready to do it. Now is as good a time as any and this will be easier than you think.

Step 1. Forget about the Past*

* Past performance is not a guarantee of future results.

Whatever happened [...]