You should start building your credit as soon as you turn 18. Many young adults learn this lesson after being turned down for a necessary purchase, like a car. The easiest way to build your credit is to be added …
There are many ways and reasons to find yourself with recurring balances on your credit cards. And, with Annual Percentage Rates (APRs) up to 30%, it can be very difficult to pay off those balances. Worse, if you pay only …
“Mastermind” may be a new term to many of you, but one that is going to be important to you any time you want to take your life to the next level. A mastermind is a group of two or …
I was listening to a Youtube recording of an old Jim Rohn seminar and he started speaking about a subject I thought you might be interested in. The following is the basic idea of this lesson. 1. Disgust, especially when …
“Readers are Leaders”, as the amazing Jim Kwik is fond of saying. Jim Kwik is best known for his memory skills. A close second is his ability to speed read. He teaches the average person how to do both (although …
There is a lot of debate between whether to make purchases with cash or credit. A credit card makes it very easy to spend more than you had budgeted. A credit card can also make it very easy for you …
There are a lot of credit card options out there. After deciding why you want to have a credit card (see “How To- Cash or Credit?” and “How To- Build Your Credit”), you will want to decide which credit card …
New Construction versus Pre-existing Building (new construction) While it may be desirous to build your own house, making it exactly how you want it to be, there are some major considerations involved. Building your house will cost approximately 2-3 times …
Anything you can track you can improve. The same is true of your finances. Creating a budget is very simple: 1. Download your last 3-12 months of activity from your bank and any credit cards you use. 12 months is …
The first thing you will want to do is allocate your after-tax income into the following “buckets”. You can do this using the envelope or jar system, where you remove cash from the bank, or using separate bank accounts, whether …