Be deliberate about leaving a legacy for your children's children that does not involve financial illiteracy and debt overload. Today is a great day to walk to the beat of a different drum that involves taking action by setting priorities, implementing necessary...

Wiki-Pedia (2014) written by Justin Zackham   Why write a bucket list and what was my inspiration to write a bucket list?  The American comedy, “The Bucket List” starring Jack Nicholson and Morgan Freeman; two men who were terminally ill that decided to live...

Breaking Generational Curses! I met Ruth at a department store where part of her responsibility is to offer customers the opportunity to open a credit card. I kindly said no thank you and shared that I have not used a department store credit card in more than 20...

Myth: Great Deal! Truth: Only if the balance is paid in full within 90 days Be cautious when financing seems too good to be true. Remember that a deal such as this is usually a benefit to the creditor, not the consumer. If a consumer can pay off a debt within the 90...

Think about it; is it worth the stress of hiding the status of your finances from your spouse and even worse is it worth losing your spouse's (or significant others) trust? Perhaps you have been unfaithful to yourself as a single person. Wouldn't you agree that some...

Will it be paper or plastic? If we were to be very honest; would you agree that before debit cards we as consumers were able to keep a better running balance in our checkbook register? Swiping the plastic has made it so easy to pay for things that consumers have...

Have you ever had a check engine light come on in a car that's only 2 years old or in any car?  It's not a good feeling, wondering what's wrong. After a visit to the dealership this morning, it was determined that the diagnostic test found a $990.00 problem (outside...

Is it possible to erase derogatory credit and create a perfect credit score within 30 days? According to Shane Romig at Credit.com (2013); the simple truth is that no one can legally remove accurate negative information from a credit report. Credit reporting agencies...

Making Strides – Hitting the nail on the head one by one!!   Angela and Tony are focused and driven; they are preparing for retirement within the next five years and have a great desire to be debt free. Once they made a decision to eliminate ALL debt they began...