Take Control of Your Finances in Three Months – The Looking Back, Looking Forward Conundrum

Are you struggling with debt? Trying to save money? Sick of living paycheck to paycheck? What if it was possible to take control of your finances in three months? What if you could shift, or “move the ball” to change your perspective on money and alter things for the rest of your life.     Like […]

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Should You Use a 0% Balance Transfer Offer to Pay Off Debt?

Should I Use a 0% Balance Transfer Offer to Pay Off My Current Debt?

You’ve seen these offers before? An Insane Credit Card Offering 0% Interest Transfering Your Balance to a 21-Month 0% APR is Ingenious Demolish Your Debt with this 18-Month 0% Credit Card Are you considering a 0% balance transfer offer to pay off debt? These days everywhere you look, there are more and more credit cards […]

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Why the Snowball Method Works – Empowerment, Momentum and Confidence

Why the Snowball Method Works

The Snowball Method is one of the most talked about concepts for eliminating debt. For some it’s viewed as the only way to pay off debt (i.e. FTP), for others it’s viewed as an impractical approach, because it doesn’t take into consideration the interest rate you’re paying on your debt. However, regardless of what debt […]

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Do You Have Self-Limiting Beliefs about Money?

Do You Have Self-Limiting Beliefs about Money?

In my eBook 4 Steps, I talk about our emotions being a critical factor in shaping our behaviors about money.  How you feel when you are spending, budgeting or saving can create positive or negative behaviors.  If the behaviors are negative, then it’s likely you will make short-term decisions regarding money that certainly lead to long-term […]

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The Time Value of Opportunity – Filling The Pig Personal Finance Books

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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What’s Not Important When Paying Off Debt! Putting the Cart Before the Horse

What’s Not Important When Paying Off Debt

Finding good practical advice on how to pay off your debt is easy.  A simple Google search will get you a whole bunch of great articles – including the ones you can find here on FTP. However, what you won’t find often enough is articles on what isn’t important when you’re paying off debt. The […]

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How to Pay Off Debt Fast Using the Snowball Method

How to Pay Off Debt Using The Snowball Method

If you have researched the Internet you’re probably aware of all the different methods and recommendations to pay off debt.  The Avalanche Method, the Stack Method, The Snowball Method, and the 0% Balance Transfer option are just some of the techniques. Depending on the author it could even be a combination of methods and recommendations. From […]

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Why Debt Consolidation is a Bunch of Crap – Don’t Consolidate Your Credit Card 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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