People naturally like to compare themselves to each other. Most people like to have some sort of base line to see where they stack up. This is really true with personal finance. The best way to give people a sense of where they stand is to lay out some data. Every three years the Federal Reserve Board conducts a national survey that tracks the financial health of American households. Some of these numbers are quite interesting. If you and yours are bringing in $40,000 a year, you’re doing better than […]

By Micah Richards Our main focus is to get out of debt, and take the next step in building our own financial independent. These are some huge goals, and will not be something we can do in a week, or even a month. We may even need to wait a month to see any results. A good idea is to write down ten short time goals you can accomplish in one week. We need to focus these ten goals on items, habits, or struggles we are currently having with our […]

By Brice Hogan I want to take some time and really delve into the problem that we have as a nation in wasting the money we spend and how to avoid it and gain real wealth. I want to start out with an observation that most people make including myself on occasion. I grew up in Michigan in a fairly affluent area. My family was not rich by any stretch of the imagination but we knew or thought we knew some family’s who were, and another family who appeared to […]

by Micah Richards I was talking to a friend of mine who was struggling with her finances. She was frustrated, and did not have any self confidence in working with her finances. I gave her a few tips, and talked about her finances with her. She really did not have a lot of debt, and was good with her money. She was just not confident in her spending habits. Today I just want to talk to everyone about having the confidence in yourself to achieve your financial goals. Why set […]