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We seek to help those in debt to take control of their finances and find their way to financial freedom.
VIDEO - Four Walls HOGAN from NAD Stewardship on Vimeo.
We are not affiliated with Ramsey Solutions or with Chris Hogan.I often tell people every day you're either preparing or repairing. Hi, John Maxwell here. Welcome to Minute with Maxwell. That’s your statement of strength today.
Today, right now in your life, my life, we are either preparing or we are repairing. One [person] sets up tomorrow for success. The other [person] sets up today for failure. If we are repairing, we can't even get into tomorrow. At best, what we're doing is trying to fix today because of something we allowed yesterday. But if we're preparing, it means that we're making the best of today so that we can guarantee that tomorrow is going to be a success. I think that's essential during a crisis, because a crisis has a tendency to come in like a tornado, a hurricane, and just scatter and mess stuff up and wreck lives. And I just want you to know, don't let it happen. Take each day at a time.
Today matters. Make today count. I wrote a book on that. Don't try to take care of the next week in the crisis. It will overwhelm you. Just take care today and prepare well. Tomorrow will come. It'll get a little better.
Thanks for being with me today on Minute with Maxwell.
Debt consolidation gathers debt from multiple sources and puts it in one place, which simplifies paying off what you owe. Consolidation can also allow you to reduce the interest rate or total amount of your debt.
Most of us manage many forms of debt simultaneously, keeping track of due dates and balancing interest rates to avoid late fees or a bruised credit score. But one lump sum means one lender, one due date, one interest rate, and one set of login credentials. It can be a strategic personal finance move in the long run — as long as it’s done right.
Before consolidating your debts talk to us. Debt consolidation is usually not a good idea and creates more problems in the long run.
Schedule a free consultation appointment today. Our goal is for you to learn to master your money!
Click Here To schedule a free online appointment.
According to Spendmenot statistics, only 32% of US families maintain a household budget. So why should you join this number? A budget is a financial plan that helps you allocate funds to different categories of your life. You get to decide how much you spend, save or invest based on your take-home income. Your take-home income is the amount left after the payment of taxes and medical insurance.
Budgeting allows you to:
Highlight horrible spending habits.
Prepare for emergencies.
Spend what you can afford.
Stay focused on your personal finance goals.
When you think about it, it’s a pretty logical way to manage your finances. Unfortunately, too few people take the time to make a detailed budget and think about it.
Here are some facts from 2018 about how Americans’ money relates to the LivingFacts website:
Business Insider even goes so far as to say that many Americans plan to work until they die and not retire because their finances are so precarious. More precisely, 37% of Americans think they will have to work until they die, while 34% of them plan to be able to retire around the age of 80.
It is therefore quite clear that the financial health of American society in general is more precarious than one might think, especially considering that even people who manage to save do not in fact save enough.
With our best saving tips article, though, you will be able to get to your goal quickly and, who knows, maybe you’ll have a little more leeway for your non-essential spending in addition to planning your retirement properly!
My family often goes shopping for different products including clothing, food and small appliances.
When is something a good value and when is it a poor value. My wife often likes to purchase things she thinks she will need in the future. Many times we use the item but as time goes on some of the things that are purchased are never used. End result, the items she has purchased that are never used are a poor value. Just because something is on sale it is not a bargain if you do not use it. It becomes a waste of hard earned money. Before you purchase something that is on sale be sure that you really need it. I can look in my garage and a spare room that we have in our home. There are many things that we have collected over the years that we do not need and the items were used very few times. My suggestion is when you are thinking about purchasing something make a list of the reasons why you need the item. Then make a list of reasons not to purchase the item. The reasons you put on either list is anything that comes to mind. Go hog wild with your reasons. When you get done count the number of reasons on each list. I give everything on the list to purchase 1 point. Every reason on the list to not purchase an item gets 2 points. If the list not to purchase has more points then we do not purchase the item. Another method is to wait for a day and see if you still need the item. If you still think you need the item, wait 2 more days. On the 3rd day if you still need the item the wait 3 more days. If you can say you still need the item then go ahead and purchase it. One caveat, be sure that you do not use credit to purchase the item. Only use cash. This way you do not incur debt. Our plan to control our money is to avoid debt
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What Your Dog Wants You to Know About Using Social Media
Can I share with you what God did? The year my wife and I got married, I spent 3 months in the hospital fighting for my life — battling AIDS, with no immune system. And due to mounting medical bills, college loan debt and credit cards, our house was foreclosed on and I had to sell my vehicle. Needless to say we were broke. Then we met Dave Ramsey and Financial Peace University, followed his baby steps and were faithful in our tithes. In the months and years to follow God showed us His faithfulness. Within weeks of graduating from FPU, my wife and I prayed and we felt led to leave behind the increasing costs of renting an apartment and purchase a mobile home or RV. I was working at a children’s home (a large residential campus that included a small campground) and it was the plan to move the mobile unit onto the children’s home campground, which would eliminate our rent and utilities — giving us the ability to pay down more debt with gazelle intensity. Within a week of looking, we found an used RV for $8,000, but after looking at it, the owner said, “I need to know tonight, because I have someone else interested.” Well we knew then that this was not from God, because we all know what Dave says about large purchases... wait at least 24 hours. So we waited, and the next week, I was hosting an event for donors at the children’s home, and within a few minutes of welcoming guests this couple that I had never met before came up to me and said, “we need to talk to you.” I pulled them into a separate room, and the husband proceeded to say, “we have a brand new motorhome that we would would like to donate, so you or another staff member can live in it.” I was blown away by the greatness of our God. A few weeks later, they delivered this class A Winnebago and my wife and I moved in. This couple came to visit us in our new home on wheels in the months to follow, and said to us, “we had no intention of donating the RV until we drove onto the property that very first day, and the Holy Spirit told us someone here needed it.” We know through obedience, God will supply every one of our needs according to his riches in glory in Christ Jesus. We give Him all the glory!
Two years ago at age 30 we finished paying off $160,000 of student loans and 2 days ago (for my 32nd birthday present) we paid off our mortgage!!
The teller at the bank said, "Wow, that is quite the accomplishment at your age"! But my husband and I can officially say we are debt free.
The journey seemed like a long one, but after only 5 years, we can look back and say we made all the right sacrifices because this feeling is the best feeling!
Had to share here, because I knew you could all relate to the journey, the struggle, and the sacrifice. I really want to shout it to EVERYONE I know at the top of my lungs, but I knew this was the only place that would truly understand.
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Ask Chuck: Are We Taking On Too Much National Debt? Chuck Bentley
Dear Chuck, I just don’t understand how America can implement another massive bailout/stimulus without some long-term consequences. Aren’t we already carrying too much national debt?
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