Hope to Prosper

Simple Practices that Lead to Wealth

The 10-20-70 Plan for Paying Off Debt

Debt /

I recently had a conversation with someone who was trying to pay off student loans and credit cards, while still trying to lead a normal life. His comment was “whenever I talk about going on a budget, everyone in my family gets upset and calls me a cheapskate”.

What I learned from my Mom

Personal /

Since it’s coming up on Mother’s Day, I thought I would tell the story of my Mom, who gave me life and so much more. I’ve never posted about my family before, because I respect their privacy. But, my Mom’s story is so inspirational that I just had to share it with you.

Stopping Credit Card Deception

Debt /

I have been posting for years about the deceptive practices of the credit card industry. I have strong personal feelings against the abuse of consumers and the credit card industry has consistently been one of the most abusive.

Taxation Without Representation

Taxes /

There is a small but growing revolution in America right now. Taxpayers are becoming fed up with the Government’s constant cycle of waste, deficit spending and raising taxes.

The Effect of Luck on Finances

Finances /

I have had my fair share of good and bad luck. And, this has definitely affected my finances in a substantial way. So, I thought I would dedicate a post to luck and it’s effect on our finances.