Tuesday, December 21, 2021

Never Give Up

 Are you trying to get out of debt? It takes a lot of work. Many of us early in life get introduced to credit cards by our parents, schools, friends, and businesses. 

“You will never see the end if you give up in the middle.” –Joyce Meyer

Many of us make the decision to get things now rather than to save for them. This is the path I traveled for many years. I learned the hard way. Many times I had to go without because of the debt that I had created and it weighed heavy on me. I know it does for you. For some of us we spent many years building up this debt and now we have to do without to pay it off! Because it takes some time to pay off the debt we tend to accumulate more of it. Not good. When we have debt we have to pay interest. Often that interest can approach 20 to 30 and even more depending on where we create that debt. We enjoy helping folks to make a plan to get out of debt and if need by to hold your hand to encourage you with your plan. Feel free to comment on this message if you want help. All comments are private and no one that visits this blog will see them.

Monday, December 20, 2021

Banking Scams

Did you get a call from your bank? Did they tell you they were calling because someone other than you have accessed your account? Are they asking for personal information from you? Are they threatening to close your account? Are they asking you where you last used your credit card or debit card? Do not answer any of their questions? Your bank is not going to call you about your account. Never give private information to anyone who calls you regarding your bank account or any account. If you answer their questions you may discover your money has disappeared from your bank account.

Saturday, December 18, 2021


Do you seek to impress others?

At the young age of 20, I thought I had the world in my grasp. I would spend money to impress others. I purchased snappy clothing in including really different ties. Those were the days when folks dressed up in their Sunday best for church. I would order the most expensive item on the menu to try and impress others. To put it simply I did not understand the value of the money in my pocket. I used credit cards and just really set out to have fun, as long as I impressed everyone around me. Little did I know that I was not really impressing them. I was a FOOL.

Was I happy? Nope because other folks really did not care. I had a lot of friends but I was not me. I was trying to be anyone but me. Do you purchase the nicest car you can find on credit to try and impress others? Do you try to purchase clothing to impress others? Do you try to have a home that impresses others? Do you try to furnish your home to impress others?

Unless you have tons of money in the bank or a really well-paying job I can guarantee that you are going into debt to impress others. I can guarantee you that if suddenly you find that the car is going back to the bank or if the home is going back to the bank that your so-called friends will not be there to help you. They will not really care. They will care about themselves. They do not usually care that you are in debt living paycheck to paycheck.

If this describes you in any way you may need help to get out of debt and understand how to manage your paycheck so you have money left over at the end of the month. I can help you to MASTER your money and get you a VISA to a better life. 

Want to say goodbye to debt. Hit the chat button in the lower right-hand side. If we are in we will chat with you. If there is no response just send us a message.

Friday, December 17, 2021

Money to Spend

 Here is a great tip. Want money to spend for a vacation or for something special for that special someone or maybe money to spend on gifts for Christmas. Here is one way to do it. Get 50 envelopes. Number them 1 to 50. Each week you choose an envelope and you put money in it. Envelope 1 gets $1. Envelope 2 gets $2. 
Envelope 3 gets $3 and so on. You end with envelope 50 that gets $50. You do this before you put money toward anything that does not require you to pay for your home, clothing, transportation, or food. This is a good way to save up a small emergency fund too.

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Thursday, December 16, 2021

Interest is Our Enemy

 Interest Is Our Enemy!

Did you know interest can be our enemy? Did you know that if you purchase a new car every 5-7 years that you are paying enough interest that would pay for a brand new car after doing this for most of your life? Did you know that when you spend money to pay interest on debt that you are spending money that you will never be able to spend on things for yourself, your spouse, or your family? Yes, interest is our enemy.

How do you avoid paying interest? For many of us, it means that we never use credit cards. For many of us, it means we never go shopping, not even window shopping unless we are going out to purchase something specific that we need. It means we have a plan to avoid debt. It is called a budget. A budget is a living document where the amounts can be changed to fit our needs from month to month. There are two purposes of a budget. One is to show us where we are spending our money. The second one is to give us a plan each month on how we are going to spend our money. The whole purpose of our plan is to life within the amount of money that we earn each month.

Chat with us and let us help you to get out of debt. The average individual/couple can get out of debt in 2-3 years.

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Bill Collection

Dr. Robert Epstein documented that Google bias may have shifted at least 6 million votes to Joe Biden. It turns out that this is not the first instance in which technology was used to rig an election. This happened in the 1876 election of Rutherford B. Hayes

Technology is all around us today. Not only in the voting booth but it is there for bill collectors too! Many times they harass you or call you at all hours of the day or night. They often try to call your work, neighbors, friends, and relatives. This is all illegal. Sometimes we have to stop answering the phone or screen our calls. Sometimes it is necessary to block their calls on our smartphones. The debt will not go away but by making arrangements or getting a person like me who is a Financial Coach you can set up a plan to get out of debt. The average person or couple can get out of debt in 2-3 years or less with our coaching.

Please hit the chat button and if we are available we will be happy to answer any questions! If we are not here please leave a short message along with the best time to call.

Wednesday, December 15, 2021

Veit (Andy) Johnson - Financial Coach

Veit (Andy) Johnson
Your Financial Coach
This is a digest about handling money

Over the years we made many financial mistakes. It is our goal to help you to avoid the mistakes we made and help you to gain financial peace and be able to do all the things you dream of doing in the future.
Our Mission: I equip people with the tools they need to take control of their finances!

Call us at (209) 814-6892. We have office hours between 9 a.m. and 3 p.m. Monday thru Saturday.
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"As you begin changing your thinking, start immediately to change your behavior. Begin to act the part of the person you would like to become. Take action on your behavior. Too many people want to feel, then take action. This never works." -John C. Maxwell

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