Take Control of Your Personal Finances in Three Months

How are you doing with your personal finances?  Struggling with debt?  Trying to save money?  Sick of living paycheck to paycheck? What if it was possible to change your personal finance situation in three months? What if you could shift, or “move the ball” to change your perspective on money and alter things for the […]

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The Time Value of Opportunity – Saving Money and Making More Money.

Time Value of Opportunity

The time value of opportunity is the ability to recognize money saving or money making opportunities (events) that will benefit you over the course of a lifetime. The key word being recognize.  For example, in relationship to vehicle insurance.  Most think of vehicle insurance as a single annual occurrence. You pay your premium every year […]

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A Different Way to Reach Your Financial Goals, The Tiny Tweaks Principle

Are you struggling to reach your financial goals? Most often when we think about reaching our financial goals we think of the daily or monthly processes or techniques that help us get there. Processes like: How to budget money. How to save money. How to spend less money. How to make more money. How to […]

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Understanding the Debt Trap from the Outside In – the Marketing of Debt in America

Understanding The Debt Trap from the Outside In

Most often the discussion surrounding consumer debt focuses on how to get out of debt, why debt is bad, and why saving money is good.  In addition, debt is often a topic of interest for many personal finance books, blogs and websites, including Filling The Pig.  These perspectives are educational, relevant and important to the […]

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Why Debt Consolidation is a Bunch of Crap and Why You Shouldn’t use Debt Consolidation as a Way to Pay Off Debt.

Debt Consolidation

Sorry for the expletive – now you know how I really feel about debt consolidation. If you have considered or are considering a debt consolidation loan, before you make that move read this first. What is Debt Consolidation? Debt consolidation is when you take out a loan to consolidate other forms of debt. For example, […]

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3 Reasons You Should Budget Your Money, And it’s not because You will Save More Money


Who really likes to budget their money?  According to a recent Gallup Poll only 30 percent of adults polled actually budget their money.  For most budgeting ranks right up there with root canals, doing their own taxes and colonoscopy’s.  And it’s no wonder, budgeting can feel restrictive and is a time consuming process. It makes […]

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