It seems like everywhere we turn we are hearing about more layoffs and foreclosures. The ripple effect that the housing market is having on the overall economy has been extraordinary. What does this mean for you and your finances? When it comes to real-estate a lot of things have changed. One of the main differences is that banks are a lot more conservative with the money that they lend out. What this mean to you is it may be harder to get a loan. You may be required to put […]

Two people come into the program (we’ll call them Joe and Tom). Both are extremely excited to be a huge success and change their financial lives forever. Joe is very strict with himself; he stops traveling and stops eating out. Joe was going golfing with his friends but he cut that back as well, he cut back on everything. The first month that he was in the program it was hard but he was determined to make it work. He stuck with it and made it to the second month. […]

This week's tip is on how to avoid the stress that comes with difficult economic times.