20 Habits of Financially Successful People (via manilla.com)

April 18, 2014 | Posted in Credit, Debt, Education, Finance, Money, Savings | By


This is an article I found to be very insightful with regards to habits practiced by financially successful people. How many of these do you incorporate into your life?

The secret to finding financial success has been something that has eluded many of us for our entire lives. Yet there are multitudes of individuals who enjoy a comfortable life due to their financial success. As it turns out, many of these financially successful people all have certain habits in common with each other. Here is a list of the top 20 key habits that financially successful people employ.

1. They establish and follow a budget.

Being able to plan ahead for your financial needs and setting limits on certain spending types will almost always result in better results in the long run. Anyone can make a budget, but staying disciplined enough to follow it is more difficult.

2. They keep their recurring, monthly expenses to a minimum.

Along with making and keeping that budget, they also evaluate their monthly costs and reduce them when possible. By avoiding this unnecessary spending they allow a larger portion of their income to go towards saving.

3. They have a healthy financial education.

Financially successful people are well aware of the current economic trends and are constantly increasing their knowledge so that they are able to make the right decisions when it comes to managing their money.

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Imagine How Far You Would Be…

December 16, 2013 | Posted in Accountability, Business, Business and Professional, Career, Debt, Education, Life, Money | By



Live Life with and on Purpose

November 11, 2013 | Posted in Business, Business and Professional, Career, Christianity, Education, Finance, Life, Money | By



Can You Do It Standing Up? College Tour

October 21, 2013 | Posted in Education, Love & Money, Romance and Relationships, Sex | By

Have you booked the Can You Do It Standing Up? college tour for your school yet? Allow me to bring my real-talk forum about love, relationships and impacts of sexual decisions to your college students.

Your students will learn valuable lessons they can apply to their lives IMMEDIATELY!



Young Americans are ditching credit cards By Blake Ellis (CNNMoney.com)

June 14, 2013 | Posted in Debt, Education, Money, Students | By


The number of young Americans who are living without credit cards has doubled since the recession, according to new research.

About 16% of consumers ages 18 to 29 didn’t have a single credit card by the end of 2012 — up from 8% in 2007, according to data that credit score provider FICO collected from the credit files of millions of consumers.

As a result, credit card debt has declined by about a third among this age group — from an average $3,073 to $2,087 per person.

After watching older generations — like their parents — get hit hard by the recession, many younger Americans are shying away from credit and opting for debit cards instead, according to FICO.

Prepaid cards have also become attractive alternatives, said John Ulzheimer, president of consumer education at SmartCredit.com.

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Class of 2013 grads average $35,200 in total debt by Blake Ellis (CNNMoney.com)

May 23, 2013 | Posted in Debt, Education, Finance, Money, Students | By

The class of 2013 is in for a rude awakening this graduation season.


Between ballooning student loans, credit cards and money owed to family members, they are facing an average $35,200 in college-related debt, a Fidelity survey of 750 college graduates shows.

And for half of this year’s graduates, the amount of debt they racked up while in school comes as a shock.

“We’re tending to find people are still surprised at the level of debt they’re graduating with, which suggests we still have a long way to go in terms of having conversations about planning for college, saving for college and figuring out the best place to go [to college],” said Keith Bernhardt, vice president of college planning at Fidelity Investments.

The bulk of the class of 2013’s debt is in government loans, with graduates owing an average of $26,000. They also had an average of $19,000 in private loans, $18,000 in state loans, $13,000 in personal and family loans and $3,000 in credit card debt.

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