You’ve decided this is the year you’re going to get out of debt once and for all. You’re committed, you’re determined, now the only thing you need is a plan. There are many plans for debt reduction, but they all generally include the same elements. Debt accumulates over time for a variety of reasons…

Talking about money and the economy can sure be depressing for most, especially since we haven’t seemed to shake the “Great Recession” and many areas of the world are under financial pressure. But, as some think we are starting to “come out of” the worst of it, we all can afford to look forward and…

Do you crave a life without financial constraints? Too often our ability to make progress towards our passions has been limited by the “rat race.” In the rat race, we work for our employers, the government by paying taxes, and the lenders (ie, of our mortgages, credit cards, car loans, and student loans). Usually, our own…

Paying for school sucks. You end up getting a decent education (maybe), but come to quickly find out that most of what you learned is not exactly everything you need in the real world. In fact, you may find that you learn more in the first six months at your new job than you did…

January is an amazing time to starting thinking about what you want in life. It’s fun and exciting to dream about how awesome a new year will be. You set goals, you get excited… Then the excuses set in. “The person who really wants to do…

Every person or organization engaging in business activities has the goal of earning income or profit. They provide products and/or services in exchange for a price that will gain them some sort of profit. The existence and continuity of every business relies heavily on how well a person or company sells their products and/or services…

Money can be a tricky issue for many people, especially in the last few years when we have had record high unemployment rates and difficulty making ends meet. As you get ready for the new year, you can prepare yourself with some new tools that can make 2012 one of the best years for…

Time in pubs with friends is rarely wasted. At the very least you get in a good chat with your friends, and at best you get a life-changing revelation. This one started out as the traditional: “If you knew then what you know now, would you do it again?” We worked on it and developed it…

Who wants to end 2012 even better financially? You need more than just a “that sounds like a good idea” attitude to make that happen. So let’s not waste anymore time, shall we? Here are three actions you can take now — before we even hit 2012 — to end next year with a better balance…

To many of us the terms “self-help” and “personal growth”  are interchangeable. But while they may give the external appearance of having twin meanings, in the external perception they are more akin to those tiny figures that we would see perched on the shoulders of a character on television. If you can, visualize the…

Bills are the bad guy–your ultimate nemesis. At the least, they’re like those annoying second-cousins at family functions you’ve labeled as  “Hoverer” and “Close-talker.” The point is, they’re always there. No escaping. You’re tied to them. Because of this inescapable connection, we often let bills consume our thoughts, and—even more valuable—our precious time. We trudge through…

Before I begin, I need to give full credit of this post to Rob Lawrence, a great friend of mine and the co-author of a book we wrote together called Get Noticed. Rob is also a creativity coach who has inspired me on numerous occasions with his advice. One particular instance was when he was…

Many people will suggest that the best thing to do with your credit cards during these tough economic times is to cut them up with a pair of scissors. Indeed, if you are already in huge debt, you probably should stop using them and begin a payback strategy immediately. However, if you are not currently…

Ask your children to list down all the things they could do if they get a $50 or $100 bill for a day. You will be amazed by the answers. Even though you might have never talked to your kids about smart spending, kids figure out a way to set their priorities when it…

I don’t think too much about the clothes I wear (and don’t wear) until I have to move. And then it’s just embarrassing to see the number of boxes that my stuffed closet and dresser translates into. If you have a similar affliction, the good news is you’ll probably be able to put together a fresh…