Archives For debt relief

Command or Cop-out

July 24, 2014 — 4,543 Comments

If you are in command of your financial situation, you have a written plan, with goals broken down into objectives and timelines, and you communicate your plan to your loved ones. Continue Reading…

15 of the top financial coaches put their heads together to create a resource for you and your family. Visit Then email me and let’s get the process started –




September 11, 2012 — 4,515 Comments

I feel grateful to live in a country that allows me the economic and social freedoms that I enjoy here in the United States of America. Any person who contributes to the strength of my country has my gratitude.

Freedom influences my behavior by immersing my decisions, minute by minute. It is only from talking with my friends living overseas that I get some perspective on how different life can be here in the States.

To keep this blog entry short, I will state directly, my most treasured freedom is the liberty to live my life according to my values. This liberty has been bought and paid for on my behalf and yours. The autonomy we enjoy here in the US is not free. It comes at great sacrifice, in the past, through the present and into the future.

Today, on September 11th, I have friends who serve in police departments, fire departments, military (current, former and future) as well as other first responder positions. I have the privilege of knowing them and getting glimpses into what the specific sacrifices are, and have been, for them and for the people they serve with. Some sacrifices are apparent in the grief we experience when we lose someone. Some sacrifices are external, and just as often, the sacrifices are internal and managed.

My friends, and I have to assume yours as well, have given up much so that we have an opportunity to live according to our own choices, which includes being free of the chains of debt. It was a hard realization for me almost 5 years ago how much debt had stolen, and was continuing to steal from me. I remember the painful awareness when I saw how carrying debt did not align with my valuation of freedom.

The strain of living strapped down to debt payments finally became enough for me to fight my way free in January of 2007.

It took me time (longer than I wanted!) to move from this heart realization all the way to being free of consumer debt. It will still take me time to pay off my home mortgage but in my mind, the battle is already won. Now it’s just a matter of applying strategy and perseverance.

The point is, I’m committed to doing living debt free. The point is I may want faster progress paying off my mortgage, but I have made huge progress with the help of my friends. The point is I can honor and respect the sacrifices of my friends, and the friends I haven’t met yet, by maintaining my financial freedom. They continue to do their part by committing to fight for our country’s freedom.

To do less than our best work, each of us, is to disrespect the gifts we’ve been given. What motivates you to work towards your debt freedom or to maintain that status? Will you focus and say “no matter what, I will get and stay debt free”? How much could you give to an organization like The Wounded Warrior Project if you weren’t wrapped up in the vice-grip of debt payments?

I hope you will take the time to stop and consider what freedoms you most enjoy. I hope you will find many, many reasons to feel ridiculously grateful.

May you also find that you live your life, day to day, in a way that reflects the high esteem in which you hold those freedoms.

Garage Sale

August 15, 2012 — 4,475 Comments

In my most recent (fabulous) Financial Peace University group, some of the other single people and I decided to do a garage sale together. Two households close to each other combined resources and some big items to sell. I brought a few small things to sell in their driveway/garage, mostly to keep them company and be part of the fun.

We set the start time early because August is HOT in Texas. We wanted to have our garage sale items gone, or nearly gone, before temperatures hit 100° and we were stuck on that hot driveway concrete with sun beating down and heat reflecting up at us.

I write this blog post because Continue Reading…


July 6, 2012 — 4,132 Comments

Recently I received an email offer from a favorite coffee shop of mine. They were offering me a coffee press for free! My  initial reaction was “YEAH!” – a gift.

But was it really a “yeah” moment? Feelings are all very nice. They are just not reliable for making good decisions. Continue Reading…

We just finished up the final preview for the Financial Peace University group starting at Spirit Filled in Midlothian.  Next week starts with the Super Savers class.

We have people who want to tighten up their budgeting process.  We have people who want to better understand investing, insurance, real estate/mortgages and how to find bargains in our area.

It’s not to late to join the group, but you’ll need to move fast.

Registration is all online, just click this link:

The average household saves $2700 and pays off $6500 of consumer debt DURING the 13 weeks course.  Can you really afford to wait to educate yourself about your finances?

Many in the Midlothian, Waxahachie, Cedar Hill and Mansfield areas have joined the revolution.  It’s your turn now.




So the Better Business Bureau has published it’s top 10 Scams, Schemes and Ripoffs.

You aren’t truly surprised to see Debt Relief and Debt Settlement companies at the top of the list?

Are you?

No one will take better care of your money than you will.

Educate yourself.

Be willing to ask questions and seek counsel.

Understand what you’re buying.

Find someone you trust to teach you.

Financial Peace University is a great way to accomplish this.

Don’t wait another minute to pursue the dreams, skills and abilities placed within you.