Financial Excellence

08 Apr The Dark Side of Extreme Makeover Home Edition

There is a sad phenomenon in America today. Even when life is good and blessings are handed to you, you still have to be smart about how you manage those blessings. And sometimes the blessings can cause more harm than good. Check out this video about the dark side of Extreme Makeover Home Edition. While the show is intended to bring joy and blessings to people's lives, there is a dark and sad side to some of the recipients involved. When you take someone who doesn't have sound financial management skills or habits and you give them a windfall, you are not blessing them.
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06 Apr Free Credit Reports Now Required to be…Free?

I know, it's confusing. As of April 1st, the government is requiring FREE credit reports to be, well, FREE. Why do they have to do that? Actually it's quite simple. For several years you've been bombarded by commercials promoting "free" credit reports that were really just trial versions of a credit monitoring system. Websites like would lure you in with catchy advertising and a free credit report but you had to sign up for a trial period of their other services. It's now illegal for these sites to do this, which is the government's way to protect you from harming yourself.
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30 Mar Why I Decided to Become Debt Free

[caption id="attachment_1888" align="alignleft" width="150"]choose your path Choose Your Path[/caption] I was sick and tired of owing someone else. I was tired of making payments to the bank that should have been going into my retirement account. I wanted to be wealthy and in control of my money, and I finally realized that as long as I was sending money to someone else I would never reach my goal. I always knew debt wasn't smart but I had always accepted debt as a way of life. It wasn't until I was in my thirties before I finally realized that only normal people accept debt.
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