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Consolidating Credit Card Debt Solutions
July 09, 2010
Happy Friday to You!

I received a pretty cool honor a couple of weeks ago. Household Budget Made Easy made the Top Blog Award for Online MBA.

Top Budgeting Blog
Online MBA

Being recognized for the value you bring to others is a great feeling. And I trust that what I bring to you in these newsletters every couple of weeks or so adds incredible value to you and your financial well being.

Until next time .....

Financial Coaching

David Kimball

David Kimball, Platinum Author

Money Saving Quick Tip

Keep Personal Business Monies Separate

If you have a business, keep separate books. Use the same monthly budget form (a free one is on my site), just change the categories. Instead of food, clothes, and gas --- put office supplies, phone, and vehicle.

Same with the income. List each source separately and then add them all together.

If your business is making some money, I also suggest keeping separate bank accounts. If you get audited it keeps things "above board" not to mix business and personal monies.

To figure out if the business is making money, add up all the incomes and subtract the total expenses.

Be diligent to list EVERYTHING and keep the receipts.

Digging Deeper

Consolidating Credit Card Debt Solutions, A Tutorial in Credit Card Consolidation Loans
by David Kimball

Are you looking into consolidating credit card debt? According to some statistics, the amount of personal debt in the United States alone is in the trillions of dollars; the sad thing about this number is the fact that it does not include home mortgages but things such as vehicle loans, credit cards, school loan balances, delinquent cash advances, store accounts or anything else of this nature. It can be all too easy to get behind and that is when interest rates and monthly payment amounts become a huge problem.

Continue reading ...

Financial Freedom Resource Center

Have you taken advantage of what is available to you at no cost as one of my valuable subscribers?

Many eBooks and Podcasts as well as back issues of this newsletter. Let me know if you have forgotten the password that was sent in your welcome email.

Go there now ...

A Little Perspective

Today, there are three kinds of people: the haves, the have-nots, and the have-not-paid-for-what-they-haves. Earl Wilson

The rich ruleth over the poor, and the borrower is servant to the lender. Proverbs 22:7

Personal Financial Coaching

It is my passion to help families prioritize now to make sure that one parent can stay at home. If diligent, you can be debt-free in 36 months or less without buying insurance, investments or magic software. This is advice you can trust because I do not sell any of these things.

If you are ready for some personalized financial coaching or a speaker at your next event, send me an email or call (209) 622-3299.

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