What Makes You Come Alive?

Don’t ask yourself what the world needs, ask yourself what makes you come alive, and then go do it.
Because what the world needs is people who have come alive.
~Howard Thurman, philosopher and theologian

To find such fulfillment and be mindful of it, you need to know what you’re looking for, a dream of what a good life might be.  Wherever you are, take a few moments to reflect on your dreams.  How might they change if you didn’t have to worry about debt or didn’t have to work for money?  A debt–free lifestyle requires less effort than what you actually think.

If You Use a Credit Card, You Don’t Want to be Rich!

Investing in the stock market provides an average annual return of maybe 7% … and, that is not guaranteed.  Some years the market is up 30%, other years it drops by 40%. What’s your average return?  When you pay down a credit card, you earn a guaranteed return of 16% to 30% … whatever your interest rate is.  That’s tough to beat! 

Use Cash!

STOP THE BLEEDING!  How easy is it to spend money these days?  It’s super easy!  Hand someone a piece of plastic and BOOM! you’ve bought something.   The old adage about the first step in climbing out of a hole applies here.  In order to get our debt under control, the first thing we need to do is change our habits so we’re not making the problem worse.  Freeze your credit card debt literally to stop it from growing!

We All Need an Emergency Fund!

Make an emergency fund one of your highest savings priorities.  This may seem obvious, but if we don’t save first, we’re not going to be able to cope when the unexpected happens.  We never know what the future holds, so let’s be prepared!  With an emergency fund, we’re always prepared to deal with what life brings – good or bad.  We have peace of mind!

Hint:  Keep this money liquid.  If we tie our emergency fund to a debit card, we sabotage our efforts.  It’s too easy to spend the money.  With our plan, your emergency fund can earn 4% compounded interest.  And, you can easily transfer your money to your regular checking account when an emergency arises.

Pay Off Debt Fast!

We’re here to offer you the best method for getting rid of debt faster and easier than you every thought possible.  It’s called the debt snowball.   Small victories upfront with the satisfaction of seeing debts eliminated one by one.  As you knock out each balance, you’ll pick up speed like a snowball rolling down a hill.  This is the theory we will apply to paying off your debt.