How Surviving Wisconsin Winters is Like Managing Your Money

How Surviving Wisconsin Winters is Like Managing Your Money

  Wisconsin is a special place for Mother Nature. She provides us with four wonderful seasons throughout the year. Wisconsinites are fortunate to be able to experience the fresh new start of spring, the long warm days of summer, and beautiful colors of fall. Even winter has its own standard for beauty like freshly fallen […]

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Financial Independence is About Controlling Your Own Destiny

Financial Independence is About Controlling Your Own Destiny

  I recently watched the HBO documentary Panic: The Untold Story of the 2008 Financial Crisis. The documentary discusses the events surrounding the cause of the 2008 crisis. And the sequence of events that the government took to prevent an economic collapse. It’s a great documentary that provides new information and sheds light on the […]

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What You Shouldn’t Do with Your Holiday Credit Card Debt, and How to Avoid a Repeat Next Year

  Every year after the holidays, millions of Americans complete their holiday festivities by traveling home, going back to work, returning unwanted gifts and enter the year with aspirations of sticking to their new year resolutions. Then about mid to late January, many will receive their first credit card statement or statements. Detailing just how […]

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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 advertised before?   An Insane Credit Card Offering 0% Interest Transferring 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? Or maybe consolidate your debt.   These days […]

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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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How Many Credit Cards Should You Have? My Credit Score with One Credit Card

Dump Credit Card Debt

  Actually, the real question might be – how many credit cards should you have based on what the credit card companies think? Ever since I started blogging about personal finance topics I have wanted to write an article focused on credit cards. Specifically the number of credit cards you should have. Because I believe […]

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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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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 […]

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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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How to Create a Simple Budget, so You Can Start Budgeting Today

How to Create a Simple Budget

  Technology is great, isn’t it? We listen to music on our smartphones, stream HD movies over the Internet to our TV, and now Uber and Google are testing driverless cars. And when it comes to personal finance, there are smartphone apps to help you track your expenses, online budgeting tools so you can link […]

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How to Stop Procrastinating and Get Out of Debt, Are You Carrying Sandbags?

How to Stop Procrastinating

Are you struggling with debt? Not sure how to take the first step and manage your way out. Here are three steps you can take to stop procrastinating and create your plan for success. Sandbags I hate cleaning the shower! I despise it. The strong smell of bathroom cleaner, the fact that if you’re cleaning […]

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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. […]

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Self-Limiting Beliefs about Debt and the Boogeyman

  Note: due to the success of my first article Do You Have Self-Limiting Beliefs About Money?, and because I think our belief system can directly impact our ability to successfully manage our finances.  I thought I would follow-up with another post on self-limiting beliefs about debt.   In my previous article, I discussed three […]

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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 […]

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Saving Cash, Paying Off Debt, and Staying Motivated – When Pigs Fly

Saving Cash and Paying Off Debt - How to Stay Motivated!

If you have made the decision to save cash, pay off debt and create a new lifestyle – great job.  I assure you, the plan you have will create many opportunities for you and your family in the future. As you implement your plan and travel down the road to financial freedom, you may find that […]

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