motivational Archives

4 Reasons Why Being Debt-Free is Not Socially Acceptable

Did you know living debt-free is considered being weird? Or even not socially acceptable! When I heard that the first time I did not how to respond. And the reason for that was I too had been taught that debt is a tool that would allow me to win in life. Well. I now know today that was a line of BS, and me spending 50% of my hard-earned paycheck on a monthly basis was C-R-A-Z-Y!

When you hear about people being debt-free and not living paycheck to paycheck, you are probably thinking....That they are totally weird. The debt-free lifestyle can be for you...If you want to put the hard work in!

Check out these 4 reasons.

1. Budgets Aren't for Everyone

The reason why most people do not use a budget....Drumroll....It is too time-consuming! And that is where debt wins every single time. So, people that want to live a debt-free life will take the time and create a budget each month, and they will make sure they cut out all unnecessary spending. And by doing this they can map out what they need each month to support their 4-walls (Mortgage/Rent, Groceries, health insurance, Automobile expenses).

2. Self-Control

How is your willpower when it comes to walking past a huge TV or shoe sale? Is that impulse buy calling your name? Well....If you are just buying things to keep up with the Joneses. Guess what...They are broke! Cause those impulse purchases are being charged on...credit cards. If you want to be debt-free you know these purchases are not going to erase your problems nor make you feel better. Instead, be weird and save up the money?.. PAY CASH!

3. Sacrifice Sacrifice Sacrifice

Going out to dinner three times a week, going to the movies, having the top-tier cable package. These are things people cut out of their budget when they are wanting to become debt-free. Just remember: Budget reductions are temporary, and once you are debt-free you will have more room for extras in life.

4. No is Your Best Friend

Are you always saying YES to every social opportunity? Vacations, shopping trips, eating out with co-workers, or just spending money. By you saying NO you will be that much closer to that debt-free life you have been wanting. Make No your best friend!

You Too Can Live Debt-Free!

The only way to live a debt-free life is to BE DEBT FREE! You have to make the decision that you want to be debt-free. And all you have to do is start! There is a better way to live and it starts today with you changing on how to look at money. There is nothing holding you back. Take small intentional steps and before you know it you will be debt-free.

Does it feel impossible or confusing to achieve your dream financial future Whether you're trying to destroy debt, pay off your home early, or give more, we can help you create a plan that sets you up to win with money. Will you let us help you?

You do not have to do this alone!

Are You Ready for Change? Start Now!

by truadmin

Which One Would You Choose?

I've been thinking about this for a while and need your help deciding

I have an idea....and I want your feedback!

As you know, I help people become debt-free.

But here's the issue....there are only so many hours and only one of me!

I've been exploring ways to help as many of you become debt-free as possible, and here's my idea....

For a while (Actually, for quite a while!),?I've been thinking of creating an online coaching course.?

Become financially free-No more living paycheck to paycheck
Start enjoying YOUR paycheck
Have at least $1,000 in your savings account

So, I want to know would you be interested in an online coaching course about

A- How to become debt-free and be different

B- How to become a homeowner and pay off your mortgage?early

Which one excites you the most?

I'm excited to hear your thoughts. Please share them with me!

by truadmin

Do You Want to Be Different??

Are you ready to be different?

I bet you are

Do you want to enjoy your entire paycheck?

Are you tired of being in debt and broke?

Can't get ahead at all

Are You ready to NOT worry about money anymore?

Being financially free is the best feeling in the world

And if you have a fire inside of you that wants change...

Then you can accomplish this and anything else in life

#TruPodcast #motivational #debtfree #Paycheck #debtfreecommunity #financiallyfree

by truadmin

7 Reasons Why You Need to Fix Your Credit!

Have you been thinking about fixing your credit? Did you know having bad credit can leave you homeless, without a job, and carless? Daily, more businesses use credit to make decisions about you and me, and if we do not start taking our credit seriously, we will be stuck using payday loans, renting, weekly car payments, and living paycheck to paycheck.

Here are 7 reasons why you need to fix your credit!

Stop paying astronomical interest rates

When you have a lower credit score you typically pay higher interest rates and finance charges. When you have a good credit score you will be able to apply for competitive interest rate products, and you will save on the amount of interest you pay on accounts monthly.

High-Security Deposits No More

Cell phone and utility companies all require a deposit when you have bad credit to establish service. These creditors do this to mitigate their risk of you defaulting. If you make your payments on time then the creditor will give back your deposit. What if you did not have to put a deposit down when you open an account? Could those monies be used towards your housing needs??

No More Collection Calls

When you improve your credit score it includes paying off collection agency debts. The longer you put off improving your credit score means you will have to deal with the daily calls and letters from debt collectors. You can take action to place a cease and desist on phone calls, but that is just kicking the problem down the road!?

Good Credit Score = Happiness

You have improved your credit score congratulations! Now you are not afraid to check it, but better yet you have the confidence to have someone else check it! That must make you feel great!

Buy a Home

Are you wanting to achieve the American Dream? If so, having bad credit makes that dream a nightmare! Banks and mortgage lenders will not approve you for a mortgage until you fix your credit. A lender that does approve you with bad credit will charge you a high-interest rate, which will make owning a home very costly.

Buy a car (Newer for sure!)

Dealerships, auto lenders all use credit to determine if they will lend to you. Without good credit, you will not be able to purchase a better car, and you will be stuck driving your current car that breaks down monthly.

Land Your Dream Job

When you apply for jobs did you know that employers do check your credit as part of the hiring process? If you are applying for a government, financial, or executive job these positions will potentially require more information about your financial history.? Having bad credit could cost you this job and any future promotions you have been working hard towards.??????

Improving your credit can be an overwhelming process, and you may not know where to start. There are resources available to help you. If you have bad credit and want to buy a home, we are here to help you! Before you can start this journey you need to answer one question: Are you ready to make these changes in your life today?

If you are ready please schedule time with us to discuss the next steps with the link below:

Your Journey Starts Now!

by truadmin