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!
Which One Would You Choose?
I've been thinking about this for a while and need your help deciding
- Become financially free-No more living paycheck to paycheck
- Start enjoying YOUR paycheck
- Have at least $1,000 in your savings account
Do You Want to Be Different??

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:
Expect the Best Be Prepared for the Worst!
Just MOVE On!
Have a Happy New Year!
Chasing Happiness For ONLY one Month!!!
Happy Monday!!!
We are back to another work week...
And when I worked 9 to 5 I had an issue with using my?#vacation?time effectively...
I would work like a demon throughout the year and by the time the end of the year came I needed to take 4 to 5 weeks of vacation or lose it!!
Well, that is not a good use of time, but when I did take that time off, I really focused on the things that made me?#Happy...
Be better than me and focus on your happiness all year long!
Happy Monday!
#realestate?#entrepreneur?#Podcast?#BestAdvice?#TruPodcast