Your Money Or Your Life

Have you stopped to realize that although you go to school to learn about important subjects, no one teaches you how to manage your money?

Money is an essential part of life in our pursuit of happiness, yet very rarely will a parent sit down and tech their child how to handle their money.

This is true in grade school, high school and worst college. So what happens? Many of us end up in an extremely large amount of debt. We can't seem to get it together even if we make more money.

I found myself in this trap about 13 years ago. I had an okay job, a car, and an apartment. Nice I thought soon I would buy a house and live the "American dream". Wrong! I could never save enough to buy a house. I had plenty of credit cards, so many that I never had enough money due to many payments to put aside for my dream home.

What was happening to my paychecks? Well, I was over extended in credit card debt for one. The buy now pay later syndrome was well embedded in my head. That mentality had to stop! Since, I wasn't terribly behind in my payments I was able to get some help from the creditors. I simply asked for a lower interest rate and/or the ability to skip a payment. After that call, I had to cut up and dispose of the cards. No! I didn't cancel my cards but I got rid of them just the same.

Next I bought a tablet just for my budget information and bills. I also purchased a software program to keep track of my expenses. I think it is important to keep something manual that you can carry as well as a computer software tool.

Next, as bills came in, I wrote them down with the name, address, phone number of the creditor, my total balance, interest rate, and minimum payment due, the due date, and if there were any annual fees acquired with the card.

Review the card with the highest interest rate and pay more then the minimum due. Always ask if they can reduce your rate or seek the possibility of debt consolidation buy applying for a low interest rate loan or credit card. If you haven't cut up your credit cards do not get a consolidation loan. Because most likely once your payments are manageable you'll start using your cards again.

Minimizing your spending is the key to financial freedom. Make sure to start a savings plan after you've gotten your debt under control.

Dina D Harbour, Financial Coach

Wanted Debt Or Alive (A counseling service)

http://www.wanteddebtoralive.org

In The News:

Beyond Preston: How local wealth building is taking the UK by storm  CityMetricThe Preston Model, which has seen the Lancashire town rise from the bottom 20 per cent of the deprivation index to be named the UK's most improved city, has ...
Signs you're not building wealth and tips for fixing it  Business InsiderYou're probably not on the path to wealth if you live above your means or if you haven't started investing. Here's how to change that.
WATCH: Building wealth through investing  Inman.comWhat does the transition from buying and selling homes to growing your investment portfolio look like? Why should agents be using this strategy to build wealth?
How to Make Wealth Building and Job Opportunities More Equitable  Stanford Social Innovation ReviewAlternative economic and social investment models that are properly supported by new public policy and investment could help the United States create more ...
Is BlackRock Quietly Building a Wealth Management Colossus?  ThinkAdvisorWorried about Amazon entering wealth management? Don't sleep on BlackRock tech blogger Kyle Van Pelt says.
Financial planners: The best way to build wealth is automatic savings  Business InsiderFinancial planners say automating your savings is the best way to build long-term wealth. Here's how to do it.
Saving is not the key to building wealth—here's what is, says author of 'I Will Teach You to Be Rich'  CNBCThe typical millennial has about $2,400 socked away in a savings account. But personal finance advisor Ramit Sethi says having savings is not the key to ...
Five golden rules of building wealth the ‘S.M.A.R.T’ way  Moneycontrol.comYour portfolio returns need to be consistent with your goals, you can try and set up your portfolio in a manner that it averages a certain percentage of return over ...
Best Near-Term Wealth-Building Stock Now: Bristol-Myers Squibb Company (BMY)  MONReportWall Street analysts will be watching closely when Bristol-Myers Squibb Company (NYSE:BMY) reports its quarterly earnings next, which is scheduled for Thu 25 ...
Real Estate: A Source Of Wealth Building In An IRA  ForbesLooking to add real estate as an asset class to your retirement portfolio? You'll face limitations when investing via a traditional IRA custodian. A self-directed IRA ...
Letter: Is our housing shelter? Or wealth and social prestige?  The Mercury NewsMost of the people who show up to hearings want to continue housing as it is: restrictive, high-priced and scarce.
Best Near-Term Wealth-Building Stock Now: Centennial Resource Development, Inc. (CDEV)  MONReportWall Street analysts will be watching closely when Centennial Resource Development, Inc. (NASDAQ:CDEV) reports its quarterly earnings next, which is ...
3 Wealth-Building Lessons From One of My Best Calls Ever  Investorplace.comTen years ago, I nailed it. I don't mean to brag, but it was one of the best calls I ever made. The date was Friday, March 6, 2009. I was appearing on television on ...
1 Wealth-Building Stock to Put in Your RRSP  The Motley Fool CanadaNorthland Power Inc. (TSX:NPI), a renewable energy utility, has growth potential that RRSP investors need to take their retirement savings to the next level.
How to Start Investing and Build Personal Wealth  TheStreet.comStart investing as soon as possible and watch your personal wealth increase over time....SCHW.
Zephyr Real Estate-Marin Agents Host 2nd Women Building Wealth in Real Estate Workshop  GlobeNewswireSAN FRANCISCO, March 21, 2019 (GLOBE NEWSWIRE) -- M. J. Koontz and Sandra Luna, investment real estate agents at Zephyr Real Estate in Marin, are ...
I'm a financial planner, and my most successful clients taught me 8 strategies crucial for building wealth  Business InsiderEric Roberge, a certified financial planner, said his most successful clients built good habits, grew their income, and learned to manage money.
5 essential personal finance tips that may help you save lots of money  The Financial ExpressMany of us tend to delay the process of managing our finances, but this pushes the benefits of compound interest away from us.
Sen. Wiener Authors CA Estate Tax to ‘Alleviate Socio-Economic Inequality’  California GlobeSen. Scott Wiener (D-San Francisco) announced Tuesday that he has authored legislation to put a wealth estate tax on the California ballot in 2020 in order to ...
Increasing income, not cutting expenses, is key to building wealth  Business InsiderSaving money isn't the sole ingredient in building wealth. If you can increase your income, the benefit will be much greater.
NFP To Acquire Bronfman Rothschild, Further Elevating Its Wealth Management Capabilities and Scale  Associated PressThis *content* is a press release from our partner Business Wire. The AP newsroom and editorial departments were not involved in its creation.
A rise in discreet wealth is creating a new type of status symbol, and the elite are spending their money on 5  Business Insider IndiaLeon Neal/ShutterstockA rise in discreet wealth has created new status symbols.Rich people are investing less in material goods and increasingly in habits.
How to get the elite strategies of top Fx, crypto and binary options traders  CaptainAltcoinI am about to say something that might shock you. You don't need to be highly educated or possess excellent ability in order to make money trading. You just ...
From poverty reduction to wealth creation  Jordan TimesFighting poverty tops the list of national priorities and is anything but an easy job. What is to achieve this goal is a new homegrown sustainable model to curb the ...
Call for better indigenous bank focus  NEWS.com.auAustralian bankers and wealth-building services should focus more on how they can better cater to indigenous people, shadow treasurer Chris Bowen says.
The Herd: New hires, promotions & departures for 3.26.19  RichmondBizSenseEileen E. Waters has joined McCandlish Holton as an associate in the litigation practice group, with a focus on civil litigation. She has degrees from James ...
WATCH: Pros and cons of trading your car  eNCAeNCA talks personal finance with Maya Fisher-French.
Best Near-Term Wealth-Building Stock Now: KeyCorp (KEY)  MONReportWall Street analysts will be watching closely when KeyCorp (NYSE:KEY) reports its quarterly earnings next, which is scheduled for Thu 18 Apr (In 29 Days).
A storm is brewing at Richardson GMP  The Globe and MailThe wealth manager's three groups of owners have three different takes on the firm's future – and the status quo isn't sustainable.
How A Restricted Stock Strategy Can Maximize Your Wealth  ForbesRestricted stock is becoming a more prevalent with employee compensation. While it is a great opportunity to create wealth building, without a set strategy on ...
Best Near-Term Wealth-Building Stock Now: Endo International plc (ENDP)  MONReportWall Street analysts will be watching closely when Endo International plc (NASDAQ:ENDP) reports its quarterly earnings next, which is scheduled for Tue 14 ...
Census workers needed for Rochester, Monroe County  13WHAM-TVRochester, N. Y. (WHAM) - With the upcoming 2020 census, census directors and local government officials are looking for people who can help them in the field ...
Mercer Advisors promotes Kara Duckworth to lead Client Experience  PRNewswireDENVER, March 26, 2019 /PRNewswire/ -- Kara Duckworth, CFP® and CDFA®, has been promoted to Managing Director of Client Experience at Mercer Global ...
Josh Brown launches by-and-for RIA event, Wealth/Stack, in Arizona but with pay-to-speak slots for sponsors  RIABizWith partner Barry Ritholtz, he frontlines a technology-leaning gathering in Scottsdale but Inside ETFs owns/runs the event and vendors will gain their customary ...
Hawaiian Holdings: Best Near-Term Wealth-Building Stock Now  Seeking AlphaStrong demonstrated odds for profit by over 100 prior Market-Maker price range forecasts like today's. Prior such forecast payoffs in 7-8 weeks at CAGR rates ha.
Creating wealth for local economies event  Business Cornwall MagazineThe Shadow Chancellor of the Exchequer's advisor will be presenting at a special event in Bodmin tomorrow.
Best Near-Term Wealth-Building Stock Now: Tapestry, Inc. (TPR)  MONReportWall Street analysts will be watching closely when Tapestry, Inc. (NYSE:TPR) reports its quarterly earnings next, which is scheduled for Tue 7 May (In 51 Days).
Tiedemann Advisors Wins Multiple Family Wealth Report Awards  Business WireTiedemann Advisors, one of the largest independent investment and wealth advisors for high-net-worth families, trusts, foundations, and endowments, wa.
Buying a Private Island: Investment or Luxury?  MarketCurrents Wealth ManagementAt age 28, just six years after starting his business, a young Sir Richard Branson decided to buy himself the ultimate luxury – a private island in the Caribbean.
Museveni to churches: Teach wealth creation  Daily MonitorThe president pledged to donate a brand new car to Bishop Jackson Thembo Nzerebende to replace the one he gave him in 2009.
How Azim Premji is rewriting the art of giving  Economic TimesNow, more of India Inc should be a catalyst for social development in India.
Qatar's $434 million desert rose museum finally blooms - ​Qatar's rose museum  Economic TimesAlmost a decade in the making, three years late and at an estimated cost of $434 million, Qatar's vast national museum, built in the shape of a desert rose, opens ...
166-Unit Apartment Building Coming to Hough, Will be Marketed to Case Students  Cleveland SceneCleveland City Council approved legislation Monday night that greenlit the sale of city-owned land near University Circle for the development of a 166-unit ...
Equity investing offers reliable path for building wealth  Gainesville SunIf you are glancing up to see if the sky is falling, consider that a funny thing happens on the way to Wall Street ... stocks over time outperform other investments.
CurveBlock's security token offering to be accelerated by NatWest  UKTNCurveBlock, a real estate development company that uses blockchain and security tokens to share profits with investors, has announced it is the first security ...
Leaders Need AI To Keep Pace With The Data Explosion  ForbesThe data humanity generates is exploding, but leaders will need artificial intelligence to make use of it.
Aaron's, Progressive Leasing, Warrick Dunn And Partners Surprise Augusta Family With Fully Furnished Home  PRNewswireATLANTA, March 26, 2019 /PRNewswire/ -- Aaron's, Inc. (NYSE: AAN), a leading omnichannel provider of lease-purchase solutions, and its divisions Aaron's ...
Best Near-Term Wealth-Building Stock Now: FuelCell Energy, Inc. (FCEL)  MONReportWall Street analysts will be watching closely when FuelCell Energy, Inc. (NASDAQ:FCEL) reports its quarterly earnings next, which is scheduled for Thu 6 Jun (In ...
Best Near-Term Wealth-Building Stock Now: Chevron Corporation (CVX)  MONReportWall Street analysts will be watching closely when Chevron Corporation (NYSE:CVX) reports its quarterly earnings next, which is scheduled for Fri 26 Apr (In 43 ...
CurveBlock's Security Token Offering First to be Accelerated by a Commercial Bank in the UK  GlobeNewswireLONDON, March 25, 2019 (GLOBE NEWSWIRE) -- CurveBlock, a real estate development company that uses blockchain and security tokens to share profits ...
MONEY THOUGHTS: Scrutinising Your Building Blocks of Wealth  New Straits TimesAre you prepared for eventual retirement or does the prospect fill you with dread? It doesn't need to be scary if you prepare for retirement decades in advance.
David Adjaye tapped to help reimagine Bed-Stuy’s Restoration Plaza  Curbed NYA 50-year-old community anchor will be reimagined with the help of the British starchitect.
Leading sports psychologist confirmed for BMF All-Industry Conference  Builders Merchants JournalMichael Caulfield Msc, one of the UK's leading sports psychologists who has worked with England football manager Gareth Southgate, as well as teams and ...
Best Near-Term Wealth-Building Stock Now: JetBlue Airways Corporation (JBLU)  MONReportWall Street analysts will be watching closely when JetBlue Airways Corporation (NASDAQ:JBLU) reports its quarterly earnings next, which is scheduled for Tue ...
Couple Uses Bitcoin Wealth to Build World’s First “Seastead”  newsBTCAn early Bitcoin investor and self-confessed libertarian has built the first “seastead” with his BTC profits. For those who do not know, a seastead is a.
How Manchester City Council used its procurement spending to build local wealth  Room151A new approach to buying goods and services by Manchester City Council has led to the creation of jobs and wealth within the city, says Matthew Todd.
How to be rich: Check T Boone Pickens mantra for wealth creation - Iconic billionaire reveals what leads t...  Zee BusinessIt takes a team for any successful enterprise. Who could know this better than T Boone Pickens, a Linkedin influencer with seven-decades of experience as a ...
The Rise Of Conscious Capitalism  ForbesThere's a new wave of businesses breaking into the zeitgeist -- a profound breakthrough aligning and combining the power of capitalism with the global human ...
U.K. Charities Snub Sacklers' Donations Over Oxycontin  ForbesThe Sackler Trust, a philanthropic arm of the American Sackler family, is pausing all philanthropic giving in the U.K. after being repeatedly snubbed by British ...
Nine Of The Best Ways To Build Wealth  ForbesIt is often said that the three main sources of wealth creation are the stock market, real estate and entrepreneurship. With this knowledge as a starting point, ...
Pakistan is desperately poor. Its army is rich beyond belief. How come?  DailyOThere's a lot more to Pakistan's constant aggression towards India. It's a useful veil for one of Pakistan's most stark truths, about how its army has taken over its ...
The Final 5 Steps To Building Wealth  ForbesBuilding wealth is an endeavor that should begin when you're young and continue throughout your career. Combined with the first five steps previously ...
Trump only wanted build his wealth and power, says Cohen  Irish TimesRepublicans repeatedly try to undermine Cohen's testimony, portraying him as a liar.
Our wealthiest 250 Australians set to surface in The List  The AustralianJerry Schwartz is confident he has already got excellent value for money from forking out a handsome 67.25 million for his harbourfront mansion in Sydneys ...
The First 5 Steps To Building Wealth  ForbesThis is the first of a two-part series. When you're looking into getting a loan, you'll see options for homes, cars, businesses, and even vacations. What you won't ...
Uber Wants Your Money, Part Duh  Wealth DailyUber thinks it's worth $120 billion, or 12 times its revenue. But it appears there are too many cooks in this one... Wealth Daily editor Briton Ryle explains why he ...
My simple 3-step plan to build up a £1 million ISA account  Motley Fool UKEdward Sheldon explains his plan to build up his ISA portfolio to one million pounds.
Former Sears building on Maine Street gets new owner, new look  Herald-WhigThe old Sears, Roebuck and Co. building at 511 Maine Street is getting a new look and a new occupant.
Ex-Barclays sovereign wealth boss says she did not know about Qatar service deal  ReutersLONDON (Reuters) - A former Barclays manager tasked with building relationships with sovereign wealth funds in 2008 did not know about deals for additional ...
Trump Exaggerated His Wealth in Bid for Loan, Michael Cohen Tells Congress  The New York TimesThe president's former lawyer, Michael Cohen, testified that Donald Trump presented documents to Deutsche Bank that “inflated” the value of his assets.
6 Wealth Building Alternatives Without Buying Stocks  ForbesBuilding wealth with the stock market has always been a possibility, but what if you prefer to hedge your bets and invest elsewhere as well? This post goes over ...
The NT Government is digging us deeper and deeper into debt, writes DAVID TOLLNER  NT NewsNO matter what some might like to imagine, it seems unlikely the Territory has hit rock bottom and the NT Government is digging us deeper and deeper into debt.
Why I’m ditching active investments for passive index-trackers: Elian Wiener  BizNewsEDINBURGH — It's time to get active about being passive, reckons Elian Wiener – one of my former colleagues, in a past life at Moneyweb. Wiener is a very ...
Labour leader Jeremy Corbyn on campaign visit to Morecambe ahead of May’s local elections  Lancashire Evening PostHe joined local Labour candidates in launching their manifesto on Saturday with pledges to tackle poverty, act on climate change and invest in housing.
The road to wealth creation is paved with smart investments  Economic TimesEquity, hands down, is the best asset class to help you create wealth.
Irish Rich List 2019: movers, shakers and record-breakers  The TimesIreland's most affluent people continue to smash wealth records. The richest 300 are worth €87bn, up 10% from last year's previous record high of €79bn.
10 Simple Truths About Building Wealth And Getting Rich  ForbesWant to build wealth? Want to get rich? The simple approach is the best approach.
How to Build Wealth  NerdWalletBuilding wealth is about small, regular investments into your financial security. Here's how to build and maintain your wealth over time.
How to build wealth in 4 steps, according to millionaires  Business InsiderBuilding wealth involves a four-step process: Growing income, controlling spending, investing in index funds, and investing in real estate.
Blueprint Local: Creating Wealth-Building Ecosystems In Local Communities  ForbesBlueprint Local aims to create viable local ecosystems with long-term staying power.
Elizabeth Warren wants to save capitalism, but first she'd have to beat Donald Trump  USA TODAYWarren bristles with plans to make society fairer and more inclusive. But it's fair to ask if Democrats should entrust her with the 2020 nomination.
How to get rich? 5 sure-shot ways to create serious wealth that you always ignore  Economic TimesWealth creation is tough. But taking the right steps – no matter how little they are – can make it easy and help you go the distance. Cut to school days.
The author of 'The Millionaire Next Door' explains 3 ways anyone can build more wealth  Business InsiderBuilding wealth is possible regardless of your financial situation or education — if you're practicing these three things.
Where you live plays a big role in your ability to build wealth  SF GateYour neighborhood affects your savings — if you live in an affluent neighborhood, you're more likely to mirror your neighbor's consumption habits.
Planning a £1m ISA? These two 7%+ yielders could help you get there  Motley Fool UKThese two stocks could give you an income for life and help you make a million, I believe.
“Historic GOLD SPIKE Ahead!”  Outsider ClubLooming global events are creating an economic “Perfect Storm” — and for only the fourth time since 1896, Mr. Dines has discovered a proven indicator that ...
8 simple money habits that will help you earn more in 2019  CNBCHere's a list of straightforward money habits you can start implementing today that can help make 2019 a more lucrative year.
Beginners' guide to wealth creation Part I: Why should you invest?  Business TodayThis is the first part of a three-part series on investments and wealth creation for beginners. Investing is a technique of building wealth, but it's not only for the ...
Squalor, glamour, wealth and cruelty: the Britain Van Gogh saw and loved  The GuardianHe painted prisoners, devoured Dickens and worshipped the London News … ahead of a major show, our writer reveals how Britain changed Van Gogh – and ...
Increasing your income is key to building wealth and retiring early  Business InsiderPeople overlook the power of increasing income to build wealth, says an early retiree named Grant Sabatier in his new book, "Financial Freedom."
4 Simple Habits to Build Wealth Faster  Kiplinger's Personal FinanceSure, making a lot of money helps, but research shows there are four behaviors that can be even more important to building true wealth.
Here's what an 'HSA' is — and why it's the ideal wealth-building tool for millennials  CNBCHealth savings accounts, or HSAs, offer a triple tax advantage for savers, and millennials, thanks to their youth, are uniquely positioned to leverage this ...
Successful people build wealth through consistency  Business InsiderMany millionaires have five attributes in common that help them achieve financial independence. Consistency is key.
6 myths about millionaires that can prevent you from building wealth  Business InsiderThere are several things people get wrong about millionaires — and it can prevent them from becoming a millionaire themselves.
This millennial went from $2 in his bank account to $1 million in 5 years—here's his best advice for building wealth  CNBCIn five years, Millennial Money founder Grant Sabatier earned more than $1 million. He says his best advice for building wealth quickly is to increase your ...
How to build wealth from nothing?  Global Banking And Finance ReviewAre you crazy about how to build wealth from nothing? Look, there are too many ways that help you earn and save money even if you have nothing in your bank ...
Why Real Estate Builds Wealth More Consistently Than Other Asset Classes  ForbesIf you lived through the recent real estate and economic recessions, the very headline of this article might cause you some emotional pain. Less than ten years ...
‘In hindsight, my approach to build wealth was short term’  LivemintAnalysing the mistakes and getting rid of his portfolio's shortcomings set in motion Iqbal Mohammed's long-term journey.
The four steps millionaires use to build their wealth  The Sydney Morning HeraldAt the end of the day, building wealth is relatively simple: earn good money, save and invest. But there's a fourth step millionaires often take.
Getting rich can boil down to 6 'wealth factors' no matter your age or salary  LaddersThese “wealth factors” can make a person more likely to become wealthy, according to a researcher who studied more than 600 millionaires in America.

The Hawk and the Mouse - Saving for Retirement

There once was a hawk, ferocious and swift. He was... Read More

Asset Diversification Is NOT Boring?And Will Make You Money

OK, this article will start with the cheapest piece of... Read More

The Top 10 Steps to Extraordinary Personal Wealth

I recently came across startling figures about the average American's... Read More

Turn That Fixed Rate Mortgage Into A Goldmine

When you purchased your home, you most likely got a... Read More

Start A Cashflow Club

The cashflow board games, Cashflow 101, Cashflow 202, and Cashflow... Read More

A New Paradigm Shift In Earthly Wealth

Hello,If you dont understand this yet, or have not heard... Read More

6 Proven Wealth Building Strategies

Building wealth is as simple as saving a little bit... Read More

7 Power Habits that Build Financial Independence

Financial independence is having the freedom to support yourself through... Read More

Money Mastery

Money can be your servant or it can be your... Read More

The Underlying Belief System

Many of us do not consider the underlying belief system... Read More

Personal Budget Programs

Do you have financial problems? Then a budget is the... Read More

The Old Monied Dupont Nemours and Roosevelt Families Buy a Tax Haven

This 4,000 acre sale (now a marina and resort town... Read More

You Deserve To Retire Early

The fact is that most people continue to work for... Read More

Offshore Strategies & Services

Offshore strategies may or may not be right for you.... Read More

Tax Help - Girls (and Guys) Just Want to Have Fun by Using Tax Saving Tips

In his best selling book, "Rich Dad, Poor Dad, Robert... Read More

The Top 10 Steps to Becoming a Millionaire

There is perhaps no more important decision than to take... Read More

WARNING: The Biggest Lie About Social Security

Like I said, If you are poor and on social... Read More

Wealth - 10 Basic Steps to Achieving It

Everyone wants to be wealthy. Only a few actually achieve... Read More

Who Will Become Wealthy in the Information Age?

As you know, we're now well and truly in theInformation... Read More

A New Economic Policy

Anyone knows that material wealth is measured in goods: apples,... Read More

Spiritual and Emotional Money Goals: The Keys to a Financially Free Future

Are you setting the right money goals?Most people believe having... Read More

Virtual Millionaire Strategy Exposed

Let's begin this lesson with a definition of the term... Read More

Saving Money By Spending Wisely

Why is it that the older and richer people become,... Read More

Simple Tips on Saving

Simple tips on saving can very often make quite a... Read More

Financial Freedom for Every Employee

You may think you have to be an entrepreneur to... Read More