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debt

Sure, go ahead! Splurge.

I talk lots about saving and getting out of debt.  But, what about spending?  Heck, what about splurging?  Contrary to popular belief, I’m actually a fan of splurging. For my family and me we don’t scrimp when it comes to groceries.  I would guess we spend more than average on food a month.  However, our “going…

Jerrid Sebesta

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Don’t strive to be average

Handling your money like a typical American is terrible plan.  Here’s why.  The typical American is flat broke! Fellow debt-hating guru and financial coach Jon White (@JWFinCoaching) wrote a blog called “Don’t be average”.  In it, he rattles off a number of disappointing statistics about the average American.  Here’s just a…

Jerrid Sebesta

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Debt elimination strategy

There are some tips and tricks to getting out of debt, but mostly, debt elimination is about patience and discipline. Unless you suddenly receive a large sum of money, paying off debt is a marathon, not a sprint. It’s important to keep this in mind; it’s easy to get discouraged when you don’t see results right away. But just because…

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Pay off your debt

This is a big one – paying off all of your debt except your mortgage.  This is huge.  We’re setting the captives free!  No more “…borrower is slave to the lender” (Proverbs 22:7) stuff.  This is by far the hardest and most-intense part of the “baby steps”, but the most powerful! Dave Ramsey will suggest using his “debt snowball” which…

Jerrid Sebesta

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Taking the first step toward financial security

The first step toward financial security is to save $1000.  This acts as a emergency fund.  Step three will be to get a full emergency fund of three to six months of living expenses.  But, until then, you’ll need this small buffer between you and life happening. This step should be done QUICK!  This should not be a long-term goal.  Try…

Jerrid Sebesta

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Dave Ramsey’s 7 "Baby Steps"

Chances are you’ve heard about a guy by the name of Dave Ramsey.  He is a best-selling author of books like Financial Peace and Total Money Makeover, which were the inspiration behind our financial success. Dave Ramsey developed what he calls the “Baby-Steps”.  The premise behind the “Baby-Steps” is that if we try…

Jerrid Sebesta

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