So you’ve gotten yourself in a mess of debt and are trying to find the best way to dig out? Is it so bad that collectors have been calling and offering a settlement? The idea sounds pretty good – you owe $500 and they’re offering to take $200 to make it all go away. Should you do it? What’s the catch? Today, I’ll give you all the details on a debt settlement and when/how it should come into play in your debt situation. [Read more…]
Just about every week I harp on some aspect of how to get rid of debt, live on a budget or do something more frugally than you previously thought you could. Many of you have told me all that stuff is fine, but asked, “where the heck should I start on all this mess?” Today is your answer! Taking content from my book, numerous other posts on this site and others, and summarizing them into a few simple steps will hopefully give you the ammunition to get rid of your debt and live free of all the junk that goes with being a “slave to the lender.” [Read more…]
Last week I was kind, gentle and uplifting, encouraging you to make sure you “put your money where your mouth is” when it comes to what you say you value. I meant every word I wrote and have given that encouragement to hundreds of people before. Your comments tell me it was a message many of you needed, and I’m glad it helped. This week, I have to go a bit in the opposite direction. Just like when you are trying to cure a disease, you have to choose whether to work on the symptoms or the root cause. Today, I’m working on the root cause. I do not want you to stay broke!
As I’ve written many times before, the normal American is broke and has been taught that’s just the way it is. The normal American has been sold the idea that to own nice things (of which we are all “entitled,” right?!), he/she has to make payments. You’ve been told you cannot live life without debt or that debt is a tool. Pish Posh. That’s a bunch of garbage. Believing those lies is roughly the same as believing the “food” you pick up through the McDonald’s drive-thru is top-quality, organic health food. Mmmmmm, delicious! [Read more…]
Let me ask three simple questions:
First question: what matters to you? Stop and think about it for a minute. What (or who) is most important? What (or who) is it that you would tell someone matters to you more than anything in the world?
Next question: how much time do you spend on (or with) what (or who) matters most to you?
Last question: how much money do you spend (or invest) in what (or who) matters most to you? [Read more…]
It goes like this: Mommy and Daddy say “no” to their child and he/she screams, “I hate you! You’re mean to me! You don’t love me! You’re such a meanie!” Even the most sainted of parents has probably experienced this…or will. Thankfully, we’ve not yet heard those words from our angelic 4-year-old, who only shares loving, uplifting encouragement for her parents. And Andy (almost 1)…you can tell he only has positive thoughts about Mom and Dad too. HAHAHAHAHAHA…yeah, right. Not a chance that’s reality for any parent in the universe. But why is that?
I’ve been around a lot of people lately who’ve been trying to justify to me their bad financial choices. They tell me the normal excuses. You’ve heard most of those and maybe even used them yourself – excuses like: “I deserve it,” “I work hard,” “I can afford the payments,” etc. I don’t want to beat you up, but as a financial counselor, those excuses to me are a lot like, “the dog ate my homework,” to the experienced school teacher. I just don’t buy it. I may believe you work hard and I may believe the payments for whatever you’re pining after won’t send you into bankruptcy, but I KNOW there is a better way to go about personal finance than the way the average American (read “broke person”) does it.
Last week’s video, 5 Minutes on Submission, hit a nerve! When we came up with the idea for the video, I never considered it would bring about such debate. I discovered that I responded to many comments on the blog and Facebook with the same basic themes:
- “I don’t respect my husband, so how can I submit to him?”
- “I am not a doormat. I refuse to submit so he can walk all over me.”
- “I can submit on most things, but when he and I disagree I just can’t let him win all the time.”
- “My husband isn’t a Christian. How can I submit to him when he’s not a believer?”
Today I want to try and help the discussion along for both sides because I believe society gives us a terrible example of what it means to be a husband or a wife. [Read more…]
Today we’re back with another “5 Minutes On” video. This week, we decided to tackle a specific question that came from a woman responding to our last video about fighting with your spouse and also touches a bit about working in your strengths as we discussed in the video about how we divide up chores around the Myers household. What was the question? How do you submit to your husband?
As a man and a husband, the idea of the “modern family” where everyone has an equal say just doesn’t work for me.
The title for this post was the hardest of all for me. What to call it…hmm… Some potential options were:
- Preparing for the Zombie Apocalypse
- The Government and Me: a Love Story
- Back to the Future 4: Insanity Overtakes America
- Fearmongering 101
- DIY Tin Foil Hat Ideas
I settled for a title that is a little less outlandish but hopefully still conveys the idea behind today’s post. What does tomorrow hold? Good question. Today, I’m going to go through a quick run-down of some of the ways I believe we should all be prepared to deal with the future, without becoming die-hard conspiracy theorists and without ending up on a terrorist watch list. Your comments for this should be fun, if nothing else. Let’s dive in. [Read more…]
We’ve all been there. He does something stupid; she says something mean; he forgets an important occasion; she isn’t “in the mood” enough. If you’re married and live under the same roof as your spouse, you’ve had a few really good arguments. If you say you don’t, you’re totally lying, and that’s a bad, bad thing (Revelation 21:8). This week, Stacy and I take five minutes to tackle the subject of how we fight. Why do we argue? What things do we argue about? Where do we argue? How do we make up? I’m not a marriage counselor, but in my journeys doing financial counseling, I can tell you that most fights are over stupid things and are truly petty. How do you deal with it? Today, we find out. [Read more…]