Category Archives: Life Planning

14 Step Plan to Transform Your Finances

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I deal with people and finances on a daily basis. One of the things I have noticed is that very few people are taught how to manage their money. Frequently people admit to being so lost they don’t even know where to begin when it comes to money. I wanted to share a 14 step plan to help you transform your finances and better manage your money. Continue reading 14 Step Plan to Transform Your Finances

Are You Cheating Financially On Your Partner?

cheating-financiallyA record number of Americans are cheating on their partner or spouse, not with someone else, but with money.

From secret credit card purchases to hidden bank accounts, a January 2014 online survey by the National Endowment for Financial Education (NEFE) found that financial infidelity is on the rise. In fact, 35 percent of adults with combined finances admit to having hidden a purchase, bank account, statement, bill, or cash from their significant other, up from 31 percent in 2011. Thirteen percent of respondents said they’ve committed more severe deceptions, like lying about the amount of debt that they owe or even the amount of income they earn. Continue reading Are You Cheating Financially On Your Partner?

Home Scouting: Home Search Made Easy!

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Home Scouting Makes Searching

For A Home Easy!

Doug Haldeman, Mortgage Strategist (NMLS: 298419) with Cornerstone Mortgage shares the free service with his listeners.

He and Tammie discusses some of the benefits of the Home Buyer’s Scouting Report and how it is a great way for the consumer to shop for their next home or investment property.  There are so many great features available with this service.  Not to mention it has 100% of the MLS listings and we DO NOT sell your email to anyone.

If you are considering buying a home in the next 12 months be sure to visit the Home Search Tab above or you can download the mobile app on your phone.

Home Scouting Audio

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7 Mistakes Millennials Make in Home-Buying

7 Mistakes Millennials Make in Home-Buying

 

Millennials – they’re the generation between 18 and 35; the new young professionals; the recent graduates, and they’re also coming into the housing market in droves. Usually, they’re also first-time homebuyers, which means that they have the potential to make mistakes in the home-purchasing process.

Here are the top seven mistakes millennials make when they purchase a new home. Whether you consider yourself part of the generation or you’re just looking to ensure your home search goes as smoothly as possible, these tips should help any potential homebuyer.

 

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5 Steps for Parents with Kids Transitioning to College

5 Steps for Parents with Kids Transitioning to College

One minute they’re young and fragile and you’re rocking them to sleep, and the next they are ready and raring to flee the nest with as much excitement and vigor as they once had for Chuck-E-Cheese and unicorns. Life is fleeting, and nothing is more evident of this than when your child goes away to college.

For a lot of us, thoughts of having our child stay close to home for college, maybe even taking online courses so they don’t have to go far away, has crossed our minds. As parents, the role we really need to play is more supportive and less overbearing at this point. Here are the five things to help your child transition to college.

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Having the “Money Talk” with Your Parents

Having the “Money Talk” with your Parents

 

Having the “Money Talk” with your parents can be very uncomfortable. However, it is necessary to have now, before it becomes a problem in the future. People tend to not like talking about money or death, so when you combine the two it can cause some discomfort. Another reason for avoiding the conversation is that maybe your parents could be embarrassed because they didn’t handle their money well. Also, as the child you don’t want to come off as greedy or nosy.

Whatever the reason, we’re going to outline some steps you can take now to avoid some serious problems down the road.

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Closing the Gap Between your Financial Reality and Goals

Closing the Gap Between your Financial Reality and Goals

 

Most of us are failing miserably with our finances. Personal savings rates are at an all time low, retirements savings are non-existent, and overall net worth is diminishing.

Nobody wants to be terrible with their finances, so why are we failing? We’ll take a look at some of the reasons and some small steps you can take to get back in financial shape. It’s never too late to be Smart With Your Money.

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Credit Lessons Your Parents Didn’t Teach You

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Paying interest is really painful.  It can be difficult to take the wisdom from the generations that lived through their life lessons.  When it comes to analyzing your parents credit it just may help you understand what not to do or what to do.

Here are some lessons we wish our parents had shared:

Continue reading Credit Lessons Your Parents Didn’t Teach You

How Will Trump Affect The US

(Photo by Steve Sands/FilmMagic)
President Trump (Photo by Steve Sands/FilmMagic)

There are a lot of issues that Mr. Trump will need to address during his presidency.  The key is to understand how will Trump effect the US.

How will Trump and Congress get along?

Republicans have control of the White House, the Senate and the House, but that doesn’t mean he will have an easy time on Capitol Hill. The GOP was badly fractured throughout the primary and general election season, as Trump insulted his way through 17 Republican opponents.

Several big names in the party, including former Florida Gov. Jeb Bush, Ohio Gov. John Kasich, Arizona Sen. John McCain and 2012 nominee Mitt Romney refused to support Trump, and House Speaker Paul Ryan would not campaign with him. Trump will have to build support with his former opponents to push his populist agenda into law.

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Detox Your Spending

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Summer spending is one of the highest moments of our financial yearly budget.  It is filled with vacations, extra food because the kids are home, daycare expense increases, parties, events and more.

What is a financial cleanse?

A financial cleanse is similar to a diet. After overindulging in too many sweet treats or fast food meals, you might reset your habits by eating healthy and working out. Under a financial cleanse, you work toward replacing some of the spending habits that may have gotten out of hand in the summer with mindful spending and saving. Here are some tips to get started.

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