Thanks for stopping in! Get my free ebook on how I paid off a $50K debt in less than 2 months.cHere’s a personal confession, I’m 35 years old and I still rent an apartment. I know what you’re thinking, “Isn’t she a financial planner?” Yes, I am and let me tell you that I would[…]
On Saturday, September 10th I attending the second in a series of financial workshops being held by the Rainbow PUSH Coalition sponsored by Chevrolet. These one-day Money Matters workshops are absolutely free and are designed to educate people of color about various financial literacy topics. The workshop that I attended was held at the Harlem[…]
A few years ago during the big mortgage meltdown, I became a homeowner for the first time. Although I purchased my first home, it was not one that I planned on living in; I had made the decision to become a real estate investor. Since then I have added one additional investment property bringing my[…]
The short answer to that question is yes. As long as it’s in your best financial interest as a couple you should definitely coordinate benefits with your spouse. Having health, dental and life insurance through your employer is part of a total benefits package that also includes your salary, paid vacation time and retirement savings[…]
In times of economic and political instability gold tends to be favored by investors seeking a safe haven away from the turmoil, so it is not surprising to see that the price of gold has subsequently risen in the aftermath of the Brexit result. If you would like to get some in-depth analysis of current[…]
Since last year, I’ve changed the focus of this site from speaking about my experiences with debt to helping others craft their own debt reduction plans by utilizing and sharing years’ worth of the same strategies that helped me. What was once just a personal blog for me has evolved into classes, live Periscope broadcasts,[…]
If you have debt hanging over your head, what’s stopping you from paying it off? It’s time to become debt free. As a financial planner I can tell you the most common answers are: I don’t want to withdraw from my savings, I don’t have enough savings to pay off the debt and I don’t[…]
If you’ve made the mistake of thinking that a 401(k) loan and a hardship withdrawal are exactly the same, boy, are you in for a surprise. Lots of differences with major consequences exist.
Too much debt can lower your credit score and take all your disposable income. However, acquiring certain things in life may require a measure of debt. Not to suggest that you should go crazy and apply for every credit card and loan under the sun. For debt not to become a destruction force, moderation and[…]
Saving for retirement is a nice thought, although not always put into practice. Have a look at your investment account savings, is the balance where you want it to be? A better question may be, are you on track to retire at your target age? For some people the answer may be yes and for[…]
While I was working my way out of debt, I tried just about every method that I heard of to help me pay my debt down faster. Hands down, when I discovered the debt snowball method and the debt snowflake method, they made sense, but I just kept confusing them. The what? Snowball. Snowflake? Snowcone? All the same to me.