Well as most of you have seen from my FB posts earlier today, you will notice that I am not very happy with Suntrust Bank. Today I found out that they have "discontinued" their "Free" checking accounts and have moved all of those accounts to their "basic checking" and only after I logged into my account this morning and realized that they have assessed a $7 a month "maintenance" fee for each account. I have been a loyal client of theirs for over 11 years and I have had several Business and Personal accounts with them throughout that time. What upsets me the most is after having a "chat" with one of their reps, I was told that there are only two ways to waive such a fee, one was a direct deposit of over $100 or having, get this, a $500 minimum daily average balance in each account.
Now this is where it makes me angry. As most of us don't realize...these banks NEED our funds/deposits. They can't function without them. They take our funds, and lend them out to other people, in the forms of Mortgages, Lines of Credit, Credit cards etc. If they didn't have these funds on deposit they wouldn't be able to lend. And what's even funnier is that NOW they are trying to charge us fees to allow them to make even more money on our deposits. It's kind of like saying this: "John Doe gives Jane Smith $100 to lend to Jane Doe at a rate of 29.99% (credit card rates), and Jane Smith turns to John Doe and says you have to pay me a $7.00 monthly fee to me for allowing me that privledge" And all along, it's John Doe's money that is being lent out to others, of which he doesn't make a dime, AND he has to pay the fee to Jane Smith. Does this make any sense to anyone?
This is why I am angry. I use the Banking system out of pure convenience. I know they are going to lend my money out to other people and make a fortune on those funds. And I have been just fine with that because it affords me some convenience (i.e online bill pay etc). But where I draw the line is when banks think they are irreplacedable and start charging us for our own funds.
If you really think about it, why do they advertise? Why do they compete? They NEED our funds, we DON'T need them. So as a part of this entry, I challenge those of you from the US (because Canadian banks are very different) to push back against "maintenace fees", 'debit card fees" and any other fee they will try to charge you to access your own funds. Many credit unions allow for ABSOLUTELY free checking, AND everytime you use your debit card as a credit card (no PIN # entered), they actually give back to your local community. Unlike the bigger banks who actually get paid from Mastercard or Visa everytime you sign instead of enter your pin #, then have the NERVE to try and charge us to hold our funds in their bank, even though they NEED our funds to survive.
Think about this.... IF everyone pulled their money from all the banks in the world tomorrow, what would happen? Banks would cease to exist and collapse. Our money is like their blood, without it, they CAN"T SURVIVE!
And I refuse to stand by and allow this to continue to happen...
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Thursday, November 17, 2011
Monday, March 7, 2011
Steps to a Higher Credit Score!
Ok, for those of you who follow my posts, you should know by now, how I feel about using credit to purchase things that you can easily pay cash for. And with that idea in our heads, let me revise those thoughts into something a bit more useful. The use of credit to purchase luxury items that you CAN NOT afford is a trap. STAY AWAY from this at all costs! If you can't control your spending, and you don't have the money THEN YOU SHOULDN'T BE SHOPPING!
Now that I got that out of the way, I want you to know that the use of "credit" is not always a bad thing. It can help you get better interest rates on big ticket items (i.e a house or a car) and it is a HUGE factor in the way your credit score is calculated.
So let's take a look at how they come up with your "scores" and see if we can build some habits to help keep your credit score as high as possible. Let's start with the building blocks of a good credit score.Your credit score is based multiple factors. So lets take a look at them below.
Building a Good Credit Score
Ok so now that you know the steps to building good credit and KEEPING good credit, let's take the steps to keep those scores HIGH!
Paycheck Distribution Coaching has been created to help you keep control of your finances, educate you on how the "financial" industry works and to keep you informed and motivated to reach your financial goals. Everyone needs a coach....a Paycheck Distribution Coach.
Please follow me at www.facebook.com/paycheckdistributioncoach
Linked In - Irene M Cruz.
Twitter- www.twitter.com/irenemcruz
Now that I got that out of the way, I want you to know that the use of "credit" is not always a bad thing. It can help you get better interest rates on big ticket items (i.e a house or a car) and it is a HUGE factor in the way your credit score is calculated.
So let's take a look at how they come up with your "scores" and see if we can build some habits to help keep your credit score as high as possible. Let's start with the building blocks of a good credit score.Your credit score is based multiple factors. So lets take a look at them below.
Building a Good Credit Score
- Income-Everything starts with your income. The higher your income the more credit you can take on without a hit to your credit score, this includes revolving credit as well.
- Length of your credit history- In this case the longer you have history the better. One easy way to keep your score higher is to maintain old credit cards. Even if you want to move on, closing that account that has been open for five or ten years will affect your score negatively. It is best to keep a zero balance on this account, use it for one purchase every three or four months, and request your balance lower to the minimum allowable.
- Credit Cards: How Many is Too Many?- The other side of this is having too many credit cards. Credit card limits reflect the total amount of revolving credit available to you. The more credit you have available to you, the less credit you will be able to qualify for. All of this contributes to a lower credit score. Keeping two (three maximum) is the best way to go. Revolving credit includes department store cards, grocery store cards, gas cards, etc. Avoid signing up for cards that promise store discounts because that limit will be reflected on your credit score.
- Avoid taking the automatic limit increases. There is no need to have a high credit card limit that you never come close too. Your emergency credit card should have a limit under $10,000. High limits negatively affect your score, so keeping track of them can keep your score higher. Keep control over this!
- Request a limit increase- this comes in handy to keep your "available credit" numbers high. If you have too much of a balance on your credit card, this can have a negative affect on your credit, so you want to keep your balance at about 35%-50% of what your "credit limit" is on each card.
- Applying for Credit-Too many applications will also ding your credit score, but not by much. Remember, your credit score enables you to get credit, so don’t go overboard avoiding all credit. When you do need to apply for credit, make sure all of the applications happen in a 30 day period. You only get one ding per 30 days because the companies expect you to use credit. This will not seriously affect your score unless you constantly apply for credit.
- Make sure that your payments are on time. I know this sounds like a given, but you would be surprised how many people don't know this one. If you miss a payment, it could lower your credit score by as much as 100 points! Missing a payment is the quickest way to ruin your credit. But there are some tricks to this. There are two different types of "late". The first type of late is according to your credit card company. If your payment is due on the 1st and you pay on the 2nd, your "late" and they assess you a "late fee penalty". This can add up so try to avoid this at all costs. The second type of late is "credit score late". Credit card companies are known for waiting for you to be 30 days late before reporting it to the credit beareaus. So if you need to be late and are worried about it, this is a nifty trick to help keep your credit scores up.
- Don't carry high balances on your credit cards. Having more than 35% of your credit card used up could lower your credit score. To keep your balances low, and ONLY if your good at managing your money, you can use your credit card for something that you could pay cash for and then pay the balance off at the end of the month. That way you can pay it off quickly, but are still using it so you are building your credit.
- Credit History- We went over this in "building" your credit. The longer a credit card is open, the more it helps your credit score, so never close a credit card, even if you don't use it very often. Closing a ten year old credit card could take a bite out of your credit score.
- Avoid store credit cards. The use of store credit cards is considered to be risky due to the fact that most stores where you can get credit cards sell luxury items. In which case, at that store you would be making luxury purchases which are one of the biggest reasons people are in such HIGH DEBT!
- Payment History- Paying bills on time makes you a less risky borrower. Everyone makes mistakes, so don’t expect that one payment you sent in three days late to show up on your score. Being chronically late; however, will ding your credit score. There is no magic number of late payments that gets you on the late payer list, but it takes more than one and less than five late payments (in a row). Some of this can be delayed by simply working with the company that you will be paying late. In the event of an emergency, calling your credit card companies and working out a plan you stick to can save you unnecessary dings on your credit score.
Ok so now that you know the steps to building good credit and KEEPING good credit, let's take the steps to keep those scores HIGH!
Paycheck Distribution Coaching has been created to help you keep control of your finances, educate you on how the "financial" industry works and to keep you informed and motivated to reach your financial goals. Everyone needs a coach....a Paycheck Distribution Coach.
Please follow me at www.facebook.com/paycheckdistributioncoach
Linked In - Irene M Cruz.
Twitter- www.twitter.com/irenemcruz
Monday, February 7, 2011
Equal Dollars: Avoid Arguements and clash of financial personalities.
Ok, now we all know that creating a budget is important to help keep your financial life in order. And as I have mentioned in the past, if you don't have a coach to show you how to create it correctly, it could do you more harm than good. But even when you have created a budget that fits and make sense for your financial reality, there are still some more components that can come around and destroy all of your hard work! So in this post, we are going to talk about the different personality types and how they can affect your budgeting plans and essentially your life.
Most of the experts say that there are four different financial personality types. Spender, Saver, Avoider and Monk. Below you will find a breakdown of each one....
1. The spender- this may seem obvious but, this person spends and spends pays no attention to the budget created. There is something inside of them that is compensating for something else, and just feels the need to spend as their heart desires. This person can destroy your budget more than any other personalities.
2. The saver- this person thinks it's more important to save for the future than to enjoy the present. They are HIGHLY anal about the budget and any deviation can make them crazy. They are usually the "responsible' ones too. Combine a spender with a saver and one can be called "fun" and the other "boring".
3. The avoider- now this person just avoids the bills all together. They don't want to know anything about a budget or about the interest they are paying on their credit cards. They usually WILL NOT even open a bill to see the balance or when it's due. This person is dangerous financially because they spend without a clue of what's happening in their accounts.
4. The Monk- This person thinks and feels that money has no place in our society and if they can avoid the use of it in any way they will. These people usually live a very very very simple lifestyle and prefer not to even speak about money at all, because it's messes with their spriritual flow and existence. Need I say more?
Ok so now that we know what type of personalities there are for dealing with money let's talk about how we can make things more pleasant between clashing personality traits.
This is where EQUAL DOLLARS, comes into play. Now we all know that opposities attract and how there needs to be balance in the world, the whole Ying and Yang theories. But the problem is that when opposities comes together there is usually a problem with how they interact with one another. This is especially true when it comes to finances. The statistics vary but it is VERY widely known that the BIGGEST reason for relationship stress and arguements is FINANCES!
Equal Dollars is meant to keep this in balance. Let's say that in one household you have a spender and saver, or saver and avoider, or spender and avoider (this is really not a good combo), how do you keep your financial reality and budget in line without filing for divorce?
If you combine accounts and finances, this is for you! This is how equal dollars works.
1. Agree on an equal dollar amount that fits into your budget. For this example lets use $100 each.
2. Every month, each person gets $100.
2. For the spenders, that they can spend it on ANYTHING they want. And the rule is, that the other person can't comment on the purchase because it was bought with equal dollars. They can even save it for bigger purchases without repercussions.
3. For the savers, you can save the $100 a month if you want and put it away for your rainy day. And again the other person can't comment on it either.
4. For the avoiders, they only get the $100 to spend ONLY if they open and pay 2 bills per month. This is an incentive for getting them involved in the financial future of the couple.
The idea behind this method is to keep the arguements to a minimum. The spenders are happy because they can spend as they want ($100 in this case) without arguement. The savers are happy because they get to protect their own money without fear of losing it, and the avoiders are happy because they still get to avoid the majority of the bills and get to spend a little for themselves.
Now if your budget after it's been created, doesn't have enough room for $100 each per month, make it $50 or $40, or whatever is going to keep you on track.
REMEMBER: Just because your working together and living together doesn't mean you should LOSE your independence. EQUAL DOLLARS makes sure you can still make decisions on your own with your hard earned money, it keeps your financial personality happy, it reduces the #1 reason for relationship stress and it keeps your budget alive and well!
Paycheck Distribution Coaching- "Making your money work harder for you than you do for it!"
If you have any questions or comments please feel free to post below!
follow me at http://www.irenemcruz.com/
www.facebook.com/paycheckdistributioncoach
www.twitter.com/irenemcruz
Most of the experts say that there are four different financial personality types. Spender, Saver, Avoider and Monk. Below you will find a breakdown of each one....
1. The spender- this may seem obvious but, this person spends and spends pays no attention to the budget created. There is something inside of them that is compensating for something else, and just feels the need to spend as their heart desires. This person can destroy your budget more than any other personalities.
2. The saver- this person thinks it's more important to save for the future than to enjoy the present. They are HIGHLY anal about the budget and any deviation can make them crazy. They are usually the "responsible' ones too. Combine a spender with a saver and one can be called "fun" and the other "boring".
3. The avoider- now this person just avoids the bills all together. They don't want to know anything about a budget or about the interest they are paying on their credit cards. They usually WILL NOT even open a bill to see the balance or when it's due. This person is dangerous financially because they spend without a clue of what's happening in their accounts.
4. The Monk- This person thinks and feels that money has no place in our society and if they can avoid the use of it in any way they will. These people usually live a very very very simple lifestyle and prefer not to even speak about money at all, because it's messes with their spriritual flow and existence. Need I say more?
Ok so now that we know what type of personalities there are for dealing with money let's talk about how we can make things more pleasant between clashing personality traits.
This is where EQUAL DOLLARS, comes into play. Now we all know that opposities attract and how there needs to be balance in the world, the whole Ying and Yang theories. But the problem is that when opposities comes together there is usually a problem with how they interact with one another. This is especially true when it comes to finances. The statistics vary but it is VERY widely known that the BIGGEST reason for relationship stress and arguements is FINANCES!
Equal Dollars is meant to keep this in balance. Let's say that in one household you have a spender and saver, or saver and avoider, or spender and avoider (this is really not a good combo), how do you keep your financial reality and budget in line without filing for divorce?
If you combine accounts and finances, this is for you! This is how equal dollars works.
1. Agree on an equal dollar amount that fits into your budget. For this example lets use $100 each.
2. Every month, each person gets $100.
2. For the spenders, that they can spend it on ANYTHING they want. And the rule is, that the other person can't comment on the purchase because it was bought with equal dollars. They can even save it for bigger purchases without repercussions.
3. For the savers, you can save the $100 a month if you want and put it away for your rainy day. And again the other person can't comment on it either.
4. For the avoiders, they only get the $100 to spend ONLY if they open and pay 2 bills per month. This is an incentive for getting them involved in the financial future of the couple.
The idea behind this method is to keep the arguements to a minimum. The spenders are happy because they can spend as they want ($100 in this case) without arguement. The savers are happy because they get to protect their own money without fear of losing it, and the avoiders are happy because they still get to avoid the majority of the bills and get to spend a little for themselves.
Now if your budget after it's been created, doesn't have enough room for $100 each per month, make it $50 or $40, or whatever is going to keep you on track.
REMEMBER: Just because your working together and living together doesn't mean you should LOSE your independence. EQUAL DOLLARS makes sure you can still make decisions on your own with your hard earned money, it keeps your financial personality happy, it reduces the #1 reason for relationship stress and it keeps your budget alive and well!
Paycheck Distribution Coaching- "Making your money work harder for you than you do for it!"
If you have any questions or comments please feel free to post below!
follow me at http://www.irenemcruz.com/
www.facebook.com/paycheckdistributioncoach
www.twitter.com/irenemcruz
Wednesday, December 22, 2010
The Giftless Christmas....Or is it?
About two months ago, I let my family and friends know that I decided to do a "giftless" Christmas this year. My thinking was, if the entire nation is struggling financially, there is no point in making things any worse than what they already were. And as hard as it has been, because I love Christmas time and shopping for the most "thoughtful" gift I can find, I have been successfully been able to stay my course. I have made every effort to avoid the dreaded trap of "oh it's on sale" and even though my head keeps saying "wow, this person would love that, or that person could really use this", I am pretty proud of my ability to control myself and keep the idea of the "giftless" Christmas in full effect.
Now what I noticed is this: during the Holidays friends and family ask a lot of questions.....and come to think of it, so do strangers. It's usually "Happy Holidays, are you done with your shopping yet?' or "Merry Christmas, only 5 more days left, did you get everything you wanted yet?" And this year, I have made it my mission to pass on the idea of the "Giftless" Christmas.... So everytime I get one of these questions, I explain that "I'm not doing gifts this year" and usually I get this look of "how could you?" or the usual comment is "oh, my kids would be so mad at me if I did that". And the more and more I got these types of looks or comments the more I thought about what Christmas has become.
Christmas isn't "Christmas" anymore. It's the "shopping time" or "sale holiday" or "gift giving or getting time". We as a people have lost so much perspective about what the holidays are supposed to mean. So as a result of my little experiement, I have decided to change my mentality. Because this year and every year before this, has been a GIFT, regardless of what was in that box that was wrapped so nicely. I don't mean the gadgets and the gizmos (everyone who knows me, knows I love my techy stuff), I truly mean the time you spend with your loved ones.
I was looking through pictures of last years Christmas and I was remembering my sister laughing because she had Plantains under the tree by accident, and my niece singing to music, and my nephew goofing around with my other half. I remember my dad showing up at some point, asking for his usual cup of soda, everyone telling him it's bad for him and my mom bringing her awesome food to the table as we enjoyed a little cocito that was my cousins recipe. What I remember most of last year, was the time we spent together as we walked around Rockefeller center, which happened to be the first time my brother in law had ever been there during the holidays. I also remember that my younger sister and her fiance weren't there and how we all felt their absence.
My point is this. This Christmas season for us is so much more about family and friends than anything else. And, honestly, it took, this idea of not buying gifts to make me really realize it, and also as I write this, to realize that it was never about the gifts anyway. Yes it's fun to see their faces when they open something that you know they really wanted, and it's great to feel that other people took the time to do something thoughtful for you in return but I think we have lost the true meaning of Christmas.
In the end, I have found it again and in the process, have saved myself and my little family even tougher financial times this coming year. When I open my credit card statements, the balance will have decreased for the first time in years and when i look at our bank statements, I will not see extra gas purchases for trips to the mall. And I am hopeful that this little idea of "RE-GIFTING" Christmas back to ourselves will catch on, so that others may truly experience the feeling of satisfaction I have right now, as well as in the future.
Happy Holidays to everyone, and a VERY Happy New Year.
Irene M Cruz
Paycheck Distribution Coaching....
Please follow us at www.facebook.com/paycheckdistributioncoach
twitter and linked in IreneMCruz
Now what I noticed is this: during the Holidays friends and family ask a lot of questions.....and come to think of it, so do strangers. It's usually "Happy Holidays, are you done with your shopping yet?' or "Merry Christmas, only 5 more days left, did you get everything you wanted yet?" And this year, I have made it my mission to pass on the idea of the "Giftless" Christmas.... So everytime I get one of these questions, I explain that "I'm not doing gifts this year" and usually I get this look of "how could you?" or the usual comment is "oh, my kids would be so mad at me if I did that". And the more and more I got these types of looks or comments the more I thought about what Christmas has become.
Christmas isn't "Christmas" anymore. It's the "shopping time" or "sale holiday" or "gift giving or getting time". We as a people have lost so much perspective about what the holidays are supposed to mean. So as a result of my little experiement, I have decided to change my mentality. Because this year and every year before this, has been a GIFT, regardless of what was in that box that was wrapped so nicely. I don't mean the gadgets and the gizmos (everyone who knows me, knows I love my techy stuff), I truly mean the time you spend with your loved ones.
I was looking through pictures of last years Christmas and I was remembering my sister laughing because she had Plantains under the tree by accident, and my niece singing to music, and my nephew goofing around with my other half. I remember my dad showing up at some point, asking for his usual cup of soda, everyone telling him it's bad for him and my mom bringing her awesome food to the table as we enjoyed a little cocito that was my cousins recipe. What I remember most of last year, was the time we spent together as we walked around Rockefeller center, which happened to be the first time my brother in law had ever been there during the holidays. I also remember that my younger sister and her fiance weren't there and how we all felt their absence.
My point is this. This Christmas season for us is so much more about family and friends than anything else. And, honestly, it took, this idea of not buying gifts to make me really realize it, and also as I write this, to realize that it was never about the gifts anyway. Yes it's fun to see their faces when they open something that you know they really wanted, and it's great to feel that other people took the time to do something thoughtful for you in return but I think we have lost the true meaning of Christmas.
In the end, I have found it again and in the process, have saved myself and my little family even tougher financial times this coming year. When I open my credit card statements, the balance will have decreased for the first time in years and when i look at our bank statements, I will not see extra gas purchases for trips to the mall. And I am hopeful that this little idea of "RE-GIFTING" Christmas back to ourselves will catch on, so that others may truly experience the feeling of satisfaction I have right now, as well as in the future.
Happy Holidays to everyone, and a VERY Happy New Year.
Irene M Cruz
Paycheck Distribution Coaching....
Please follow us at www.facebook.com/paycheckdistributioncoach
twitter and linked in IreneMCruz
Monday, December 6, 2010
Organization of Receipts-Paycheck Distribution Coaching Style!
Anytime you purchase a product or service your bound to get a receipt right? Well most people just throw them away (especially if they are for small items) and a lot of the time the big ticket item receipts get lost in the shuffle. Now I know there are those of you out there who are organzied enough to keep your receipts and use them to your benefit (for budgeting purposes), if this includes you, keep reading you might find a simple tip that can help you further. So lets start with the simple stuff:
1. ASK for a receipt! Every time you purchase something! There are many places that don't automatically give you a receipt so you need to ask. EVERY TIME!
2. KEEP ALL OF YOUR RECIEPTS! This includes ALL of the small ticket items too. I don't care if it's for $1.00 or $10,000.00. If you pay cash, check, credit card, or debit doesn't matter. KEEP them all.
3. Put a note on the receipt at the register!- This is handy because you know why your buying the item at the time you bought it. A lot of times, you can get home, and weeks later when your organizing of just cleaning off your night stand, you can look at a receipt and wonder.....what did I buy and why? There are basically 5 different categories for your receipts. Food, Entertainment, Everyday (like Gas or tolls), Education, and Debt. See a detailed explanation below:
a. Food- now this can be groceries or it can be eating out so make sure you specify. Any time you don't cook at home it's considered eating out so they need to be counted seperately. Oh and don't forget your daily coffee in this equation. This category includes anything that you drink or eat when your NOT at a bar or at the movies.
b. Entertainment- this is play time. So if you like to go to the bar on thursdays, the movies on fridays, bowling on saturdays or anything else that would cost you money for fun, that's what this category is for.
c. Everyday- this is the necessities category. Like gas for your car, the bus or train pass, taxi fare, tolls to get to and from work. It also includes the bigger things like Mortgage/rent, car payments, utilities, cable, internet, phone, and other things that are needed for everyday living. If you utilize interent banking, print out the receipt that you get for paying your bill online! You will understand why soon.
d. Education- now wether your paying for your childs education or your own, don't forget to include any books, cd's, or dvd's that you use for that purpose....and NO the latest Harry Potter book doesn't qualify. If you take seminars or webinars....don't forget to include these too.
e. Debt-this would include any debt payments (don't include your car payment or your mortgage in here). This would be credit card debt or line of credits that you are paying.
Now that we have our categories figured out for each receipt let's move on to how to organize them. Some of you have heard of the 6 jar method for your money. Well after much consideration and a bit of personal troubleshooting of this method, I realized that the jars are more useful for receipts instead of money. And I'm sure you will understand why in a moment.
Once you have saved all of your receipts....and categorized them as you get them by putting your little note on them at the register....now it's time to seperate them into your 5 categories. But where do you put them? Some use file folders, other use accordian style folders. I suggest you use Jars. Jars are easier to fill and with them being out in the open, it keeps your goals fresh in your mind.
So, if you like the dollar store, go pick up 5 Generic Jars that you can put a sticker on (just make sure it's big enough to hold your receipts for a while). It is preferred that they are clear and see through so you can see your progress! Take each sticker and mark it with a category and stick it on the jar (make sure it's nice BIG lettering so you can't mistake each jar when you come home). And take another bigger sticker (white) and put it on the back of the jar with each month and a line....So if you start in November, put November ___________ then December ____________ and so on....if you move into another year, make sure you mark it for that year (this is for tax purposes later)
Now that you have kept all of your receipts, you have categorized them, AND you have your jars to store them it's time for the next step. EVERY DAY that you come home, I want you take out all of your receipts from your pockets or your purse, where ever you keep them and place each receipt into it's jar. Easy enough so far right?
Now here comes the bigger work. On the last day of every month, once all of your receipts have been collected for the day, I want you to take one jar at a time and add up all of the receipts for that category and put that total $ amount on the back of the jar for that month. Once all of your receipts for that jar have been added up, take a stapler and staple them together at the TOP of the receipt (this will make it easy for you to go through them later if need be and it will keep your next months receipts seperate from the old ones so you can keep using the jar efficiently).
You may be asking yourself, What is this going to do for you?...Well, it's going to give you a BIG picture of where EVERY penny of your money is going. For a lot of you , it WILL be a HUGE eye opener! Some of you may see that $400 every month is going towards entertainment, or your paying $600 a month towards debt....or that your everyday expenses are more than 60% of your total income. The point of this system is to make you more aware of where your money is being spent and hopefully help you make wiser choices in the future.
I know some of you are saying "I can use a program do that or that's what Quickbooks" is for." this may be the case for some of you, but most people don't really use these programs because they are not easy to follow and they take too much time. And what happens is, 6 months pass and then you have to sit down and input EVERYTHING for the last 6 months....and frankly, from my experience, most people don't bother.
This system is created SPECIFICALLY to keep you on track and mindful of your expenses while keeping it simple and efficient.
Paycheck Distribution Coaching helps make your money work harder for you than you do for it! I hope this helps you achieve at least a little bit of financial success!
Please follow me at... http://www.irenemcruz.com/ or www.facebook.com/paycheckdistributioncoach
Linkedin or Twitter (irenemcruz)
1. ASK for a receipt! Every time you purchase something! There are many places that don't automatically give you a receipt so you need to ask. EVERY TIME!
2. KEEP ALL OF YOUR RECIEPTS! This includes ALL of the small ticket items too. I don't care if it's for $1.00 or $10,000.00. If you pay cash, check, credit card, or debit doesn't matter. KEEP them all.
3. Put a note on the receipt at the register!- This is handy because you know why your buying the item at the time you bought it. A lot of times, you can get home, and weeks later when your organizing of just cleaning off your night stand, you can look at a receipt and wonder.....what did I buy and why? There are basically 5 different categories for your receipts. Food, Entertainment, Everyday (like Gas or tolls), Education, and Debt. See a detailed explanation below:
a. Food- now this can be groceries or it can be eating out so make sure you specify. Any time you don't cook at home it's considered eating out so they need to be counted seperately. Oh and don't forget your daily coffee in this equation. This category includes anything that you drink or eat when your NOT at a bar or at the movies.
b. Entertainment- this is play time. So if you like to go to the bar on thursdays, the movies on fridays, bowling on saturdays or anything else that would cost you money for fun, that's what this category is for.
c. Everyday- this is the necessities category. Like gas for your car, the bus or train pass, taxi fare, tolls to get to and from work. It also includes the bigger things like Mortgage/rent, car payments, utilities, cable, internet, phone, and other things that are needed for everyday living. If you utilize interent banking, print out the receipt that you get for paying your bill online! You will understand why soon.
d. Education- now wether your paying for your childs education or your own, don't forget to include any books, cd's, or dvd's that you use for that purpose....and NO the latest Harry Potter book doesn't qualify. If you take seminars or webinars....don't forget to include these too.
e. Debt-this would include any debt payments (don't include your car payment or your mortgage in here). This would be credit card debt or line of credits that you are paying.
Now that we have our categories figured out for each receipt let's move on to how to organize them. Some of you have heard of the 6 jar method for your money. Well after much consideration and a bit of personal troubleshooting of this method, I realized that the jars are more useful for receipts instead of money. And I'm sure you will understand why in a moment.
Once you have saved all of your receipts....and categorized them as you get them by putting your little note on them at the register....now it's time to seperate them into your 5 categories. But where do you put them? Some use file folders, other use accordian style folders. I suggest you use Jars. Jars are easier to fill and with them being out in the open, it keeps your goals fresh in your mind.
So, if you like the dollar store, go pick up 5 Generic Jars that you can put a sticker on (just make sure it's big enough to hold your receipts for a while). It is preferred that they are clear and see through so you can see your progress! Take each sticker and mark it with a category and stick it on the jar (make sure it's nice BIG lettering so you can't mistake each jar when you come home). And take another bigger sticker (white) and put it on the back of the jar with each month and a line....So if you start in November, put November ___________ then December ____________ and so on....if you move into another year, make sure you mark it for that year (this is for tax purposes later)
Now that you have kept all of your receipts, you have categorized them, AND you have your jars to store them it's time for the next step. EVERY DAY that you come home, I want you take out all of your receipts from your pockets or your purse, where ever you keep them and place each receipt into it's jar. Easy enough so far right?
Now here comes the bigger work. On the last day of every month, once all of your receipts have been collected for the day, I want you to take one jar at a time and add up all of the receipts for that category and put that total $ amount on the back of the jar for that month. Once all of your receipts for that jar have been added up, take a stapler and staple them together at the TOP of the receipt (this will make it easy for you to go through them later if need be and it will keep your next months receipts seperate from the old ones so you can keep using the jar efficiently).
You may be asking yourself, What is this going to do for you?...Well, it's going to give you a BIG picture of where EVERY penny of your money is going. For a lot of you , it WILL be a HUGE eye opener! Some of you may see that $400 every month is going towards entertainment, or your paying $600 a month towards debt....or that your everyday expenses are more than 60% of your total income. The point of this system is to make you more aware of where your money is being spent and hopefully help you make wiser choices in the future.
I know some of you are saying "I can use a program do that or that's what Quickbooks" is for." this may be the case for some of you, but most people don't really use these programs because they are not easy to follow and they take too much time. And what happens is, 6 months pass and then you have to sit down and input EVERYTHING for the last 6 months....and frankly, from my experience, most people don't bother.
This system is created SPECIFICALLY to keep you on track and mindful of your expenses while keeping it simple and efficient.
Paycheck Distribution Coaching helps make your money work harder for you than you do for it! I hope this helps you achieve at least a little bit of financial success!
Please follow me at... http://www.irenemcruz.com/ or www.facebook.com/paycheckdistributioncoach
Linkedin or Twitter (irenemcruz)
Wednesday, October 20, 2010
Considering Personal Finance Software?
Using a computer to track your money and investments used to mean just choosing software and getting started. It's not that simple anymore.
For the first time in years, you might wonder if you can bypass using personal software altogether and instead use a third-party financial tracking website or just use your bank's or brokerage's site. Here's the irony: Financial tools such as Quicken are supposedly easier to use, and trying to choose which product is best for you is increasingly complex. "There are more choices, that are growing increasingly more powerful each year plus more options from banks and brokerages and a number of other Web applications but none of them offer you the coaching and expertise you need to make the more difficult decisions.
Here is an analysis of the four major ways you can use your computer to monitor spending and investments. You'll discover the advantages and disadvantages of each method so you can spend less time choosing technology and more time getting your finances on track.
Solution No. 1: Quicken
They say Quicken is the gold Standard. And for those with the patience to get through it and set it up, it is. But for the rest of us, I think it complicates the process.
The upside: Quicken is an annually upgraded product backed by Intuit, it lets you create detailed budgets, as well as download all your bank and brokerage data and even see the ups and downs of your cash flow and portfolio.
For investors, Quicken is tough to beat, because it can track how much you've paid for stocks even if you've invested in the same security several times.
All your data are stored on your personal hard drive, so you can make copies yourself. And if you switch brokerage firms, you don't have to worry about losing your historical data.
The downside: Quicken is an app, and you must pay for it.
The Deluxe version costs $60. Quicken 2011 runs on computers running Windows, but the version for Apple’s Mac isn't nearly as powerful.
The online capabilities of the software, including stock quotes, expire every three years, so that forces you to update every three years.
Also, Quicken 2011 doesn't connect with any smartphones.
Solution No. 2: Other personal finance software
Microsoft dropped out of the personal financial software game, but that doesn't mean the competition is gone. Several viable rivals to Quicken exist.
The upside: Quicken's rivals focus on areas that irk some Quicken users. Moneydance, for instance, is designed to work equally well on computers running Windows as well as Macs and Linux. The software is also a bit less expensive at $50, and the part of the software that pulls online data doesn't expire. And like with Quicken, your data are stored on your hard drive so you can make copies and have access any time.
The downside: Many of the alternatives are much less polished have fewer features. Moneydance's asset allocation tool, which helps investors measure how their investments are diversified, is much less powerful than Quicken's. Another rival's software, iBank, works only on Macs and not on computers running the more popular Windows operating system. These software programs aren't free either: Moneydance costs $50, and iBank, $60.
Solution No. 3: Third-party websites
E-mail, photos and diaries are going online, so too is personal finance tracking. Personal finance websites, such as Mint.com and Yodlee MoneyCenter, are changing how many track their money. Rather than downloading your financial information to your computer, these sites pull data and store them on their own computers and make them available online. Some sites, including Wikinvest, provide websites that help you track just your investment portfolio.
The upside: All you need to check on your finances is a device with a Web browser. These sites are designed to be as simple as typing in your user names and passwords from your bank and brokerage accounts. In most cases, you can be up and running, tracking all your accounts, in just a few minutes. You can also tap your financial information from anywhere, either on a friend's computer or from your smartphone. Best of all, these sites are free.
The downside: The first HUGE hurdle is security. You'll need to enter your user names and passwords from all your financial accounts to get the most value. The providers all say they have security safeguards in place. But so have the Madoffs of the world.
In addition, because information sits on the providers' site, if that website goes down or your Internet connection is severed, you can't access it. These sites also lack a way for longtime users of financial software to import past transactions from software such as Quicken.
There's also no guarantee you can always get your information. There have been cases of smaller rivals that have discontinued their websites, leaving users stranded. And they still lack one main element, ASSISTANCE or COACHING.
Solution No. 4: Bank and brokerage websites
Seeing the advances in personal financial software and websites, banks and brokerages are beefing up their own sites so people won't switch.
The upside: If you want the least amount of work, bank and brokerage sites are tough to beat. All your information is already culled and imported. Some brokerages, such as Vanguard, will even let you track your portfolios at other financial institutions. Also, thanks to new IRS rules that kick in in 2011, these sites are required to track your cost basis on new investments, which is one of the biggest reasons why people use personal financial software and sites in the first place. These sites are free.
The downside: Unless you have all your money with one firm, the utility of these sites can be limited. The brokerage sites, for instance, can't help you create a budget with your checking account.
But the biggest drawback is that your institution controls your data, not you. If you switch banks or move to a brokerage with lower commissions, you could lose data on many historical transactions.
What's the bottom line? If you're worried about security and want tight control over your historical financial data, Quicken and other personal financial software apps are good choices. Quicken is the best-known app , but doesn’t mean it’s the best solution for you.
If you're looking to just keep a quick tab on all your financial accounts, including while traveling with your smartphone, online sites might be best.
And if you want little hassle, and want only the very basics, then your bank or brokerage websites may be just fine.
In the end all of these solutions will help you keep track of your money…but NONE of them will help you with the most important element, Self-control and understanding why your budget should consist of X, Y, and Z. Paycheck Distribution Coaching doesn’t want any of your passwords or account numbers and we don’t leave you alone to “figure” out what budget is best for you and your situation. We are there to hold your hand through the process and help you make the best decisions for your financial situation and to help you meet your goals.
Please follow us at www.facebook.com/paycheckdistributioncoach and http://www.irenemcruz.com/
For the first time in years, you might wonder if you can bypass using personal software altogether and instead use a third-party financial tracking website or just use your bank's or brokerage's site. Here's the irony: Financial tools such as Quicken are supposedly easier to use, and trying to choose which product is best for you is increasingly complex. "There are more choices, that are growing increasingly more powerful each year plus more options from banks and brokerages and a number of other Web applications but none of them offer you the coaching and expertise you need to make the more difficult decisions.
Here is an analysis of the four major ways you can use your computer to monitor spending and investments. You'll discover the advantages and disadvantages of each method so you can spend less time choosing technology and more time getting your finances on track.
Solution No. 1: Quicken
They say Quicken is the gold Standard. And for those with the patience to get through it and set it up, it is. But for the rest of us, I think it complicates the process.
The upside: Quicken is an annually upgraded product backed by Intuit, it lets you create detailed budgets, as well as download all your bank and brokerage data and even see the ups and downs of your cash flow and portfolio.
For investors, Quicken is tough to beat, because it can track how much you've paid for stocks even if you've invested in the same security several times.
All your data are stored on your personal hard drive, so you can make copies yourself. And if you switch brokerage firms, you don't have to worry about losing your historical data.
The downside: Quicken is an app, and you must pay for it.
The Deluxe version costs $60. Quicken 2011 runs on computers running Windows, but the version for Apple’s Mac isn't nearly as powerful.
The online capabilities of the software, including stock quotes, expire every three years, so that forces you to update every three years.
Also, Quicken 2011 doesn't connect with any smartphones.
Solution No. 2: Other personal finance software
Microsoft dropped out of the personal financial software game, but that doesn't mean the competition is gone. Several viable rivals to Quicken exist.
The upside: Quicken's rivals focus on areas that irk some Quicken users. Moneydance, for instance, is designed to work equally well on computers running Windows as well as Macs and Linux. The software is also a bit less expensive at $50, and the part of the software that pulls online data doesn't expire. And like with Quicken, your data are stored on your hard drive so you can make copies and have access any time.
The downside: Many of the alternatives are much less polished have fewer features. Moneydance's asset allocation tool, which helps investors measure how their investments are diversified, is much less powerful than Quicken's. Another rival's software, iBank, works only on Macs and not on computers running the more popular Windows operating system. These software programs aren't free either: Moneydance costs $50, and iBank, $60.
Solution No. 3: Third-party websites
E-mail, photos and diaries are going online, so too is personal finance tracking. Personal finance websites, such as Mint.com and Yodlee MoneyCenter, are changing how many track their money. Rather than downloading your financial information to your computer, these sites pull data and store them on their own computers and make them available online. Some sites, including Wikinvest, provide websites that help you track just your investment portfolio.
The upside: All you need to check on your finances is a device with a Web browser. These sites are designed to be as simple as typing in your user names and passwords from your bank and brokerage accounts. In most cases, you can be up and running, tracking all your accounts, in just a few minutes. You can also tap your financial information from anywhere, either on a friend's computer or from your smartphone. Best of all, these sites are free.
The downside: The first HUGE hurdle is security. You'll need to enter your user names and passwords from all your financial accounts to get the most value. The providers all say they have security safeguards in place. But so have the Madoffs of the world.
In addition, because information sits on the providers' site, if that website goes down or your Internet connection is severed, you can't access it. These sites also lack a way for longtime users of financial software to import past transactions from software such as Quicken.
There's also no guarantee you can always get your information. There have been cases of smaller rivals that have discontinued their websites, leaving users stranded. And they still lack one main element, ASSISTANCE or COACHING.
Solution No. 4: Bank and brokerage websites
Seeing the advances in personal financial software and websites, banks and brokerages are beefing up their own sites so people won't switch.
The upside: If you want the least amount of work, bank and brokerage sites are tough to beat. All your information is already culled and imported. Some brokerages, such as Vanguard, will even let you track your portfolios at other financial institutions. Also, thanks to new IRS rules that kick in in 2011, these sites are required to track your cost basis on new investments, which is one of the biggest reasons why people use personal financial software and sites in the first place. These sites are free.
The downside: Unless you have all your money with one firm, the utility of these sites can be limited. The brokerage sites, for instance, can't help you create a budget with your checking account.
But the biggest drawback is that your institution controls your data, not you. If you switch banks or move to a brokerage with lower commissions, you could lose data on many historical transactions.
What's the bottom line? If you're worried about security and want tight control over your historical financial data, Quicken and other personal financial software apps are good choices. Quicken is the best-known app , but doesn’t mean it’s the best solution for you.
If you're looking to just keep a quick tab on all your financial accounts, including while traveling with your smartphone, online sites might be best.
And if you want little hassle, and want only the very basics, then your bank or brokerage websites may be just fine.
In the end all of these solutions will help you keep track of your money…but NONE of them will help you with the most important element, Self-control and understanding why your budget should consist of X, Y, and Z. Paycheck Distribution Coaching doesn’t want any of your passwords or account numbers and we don’t leave you alone to “figure” out what budget is best for you and your situation. We are there to hold your hand through the process and help you make the best decisions for your financial situation and to help you meet your goals.
Please follow us at www.facebook.com/paycheckdistributioncoach and http://www.irenemcruz.com/
Wednesday, June 9, 2010
8 things your Financial Planner WON'T TELL YOU!!
More people are flocking to financial planners these days, convinced they need professionals to help them navigate the market's stormy seas.Unfortunately, not all planners are created equal. Some are thinly disguised investment salespeople, and many don't have the background or inclination to offer true, comprehensive financial advice. So before you sign on with a planner, or implement the advice offered, make sure you know these secrets the planner may be keeping. Such as:
1. I have no qualifications for this job.
Anyone can claim to be a financial planner. There are no education, experience or ethical requirements and no government agency that regulates planners as planners. Of the estimated 250,000 people calling themselves financial planners, only about 56,500 have earned the Certified Financial Planner mark -- the best-known financial planning designation. Fewer still are a Chartered Financial Consultant (ChFC) or Personal Financial Specialist (PFS), the financial planning designations offered by the insurance and accounting industries, respectively. Even if your planner has one of these designations, you're not home free. It generally takes years of experience and ongoing education -- not to mention integrity and ethics -- to become a truly good planner.
2. I have no obligation to put your interests ahead of my own.
Real financial planners take seriously their duties as fiduciaries -- professionals who are trusted to think of their clients' needs first and foremost. Most of those who call themselves planners, though, are really in the business of selling investments. As such, they may face scrutiny from various government agencies over their sales tactics. But instead of being obligated to create the best financial plan for you, they're only required by law not to sell you something that's utterly unsuitable.
3. I'm not being paid the way you think.
"Commissions" became a dirty word in the 1990s, when even the big brokerage houses like Merrill Lynch decided that people would rather pay fees than have advisers compensated by commissions for the investments they sold. True fee-only financial planners are still a rare breed, however. The leading association for fee-only planners, NAPFA, has fewer than 800 members. Most financial advisers still get some or most of their income from commissions, according to FPA. Many finesse the situation by calling themselves "fee-based" planners, or by simply avoiding the issue of how they get compensated.Commissions aren't bad, per se. But they do create a built-in conflict of interest. Your planner should volunteer information about how she gets paid. If you have to ask, you should at least get a straight answer.
4. I'm looking at only one small portion of your overall finances.
A good financial planner looks at every aspect of his or her clients' financial situations, from their budgets to their estate plans. That's the only way to give truly customized, comprehensive planning advice. Many of those calling themselves financial planners, however, focus on one narrow aspect of a client's monetary condition -- usually the area that corresponds with whatever financial training they've received.
5. The only products I understand are the ones I'm selling.
The old saw goes like this: When all you have is a hammer, everything looks like a nail. Advisers who lack training in comprehensive financial planning often know only what their companies tell them about the various investments they're told to sell. An insurance agent, for example, might sing the praises of variable annuities -- not realizing that annuities should only be considered after tax-favored retirement options, such as 401(k)s and IRAs, have been exhausted and less expensive alternatives, such as index funds or tax-efficient mutual funds, have been considered. I still remember a conversation a few years ago in which an insurance agent launched into a passionate defense of variable annuities, only to confess -- after much probing -- that he had never heard of alternatives like tax-efficient mutual funds and didn't know how much could be invested in a 401(k) or Roth IRA. Likewise, a stockbroker might push individual stocks or mutual funds, when the best use for your money might be increasing your emergency fund or paying down your mortgage.
6. I can't beat the market.
Many people think a financial planner can help them supercharge their investment returns. Many of the best financial planners, however, believe they're doing well if their clients' portfolios simply match the market averages. They don't even try for more, convinced that such efforts are a waste of their time and effort -- and of their clients' money. Those who do try often fall woefully short. The more they trade, the more money they spend in commissions and fees, and the farther they fall behind the market benchmarks. Good financial planners concentrate on making sure their clients are well-diversified and that other aspects of their finances -- their budgets, credit ratings, insurance coverage, tax situations, estate plans and retirement accounts -- are in the best shape possible. In contrast to the adviser who's trying to keep secrets, however, these good planners are upfront about the fact that they're not trying to beat the market.
7. I won't save you from yourself.
The best financial planners didn't let their clients overdose on technology stocks during the 1990s and insisted they stay invested during the roller-coaster ride of the past few years. The worst encouraged their clients to chase every hot trend, whether it was dot-coms or excessive investments in real estate. Many planners fall somewhere in between -- trying to make the case for diversification and common sense, but lacking the confidence and experience to insist their clients not make suicidal moves.
8. I have a checkered past.
Sooner or later, most financial planners will have a run-in with an unhappy client. If those disputes regularly escalate to lawsuits, however, or your adviser has been disciplined by a regulatory board, that's a red flag. The worst offenders skip from job to job or industry to industry, hoping their past never catches up with them.
I hope this was a true eye opener for most of you.....
In conclusion....Financial Planners invest your money and most don't do much more than that...some may try to sell you a financial product such as Insurace, Mortgage or Mutual Fund and even a smaller amount actually look at the most basic of your finances, where is your paycheck going? Paycheck Distribution Coaching was created with this in mind....How can you know where you need to go if you don't know where your coming from?
please feel free to comment and follow me on www.facebook.com/paycheckdistributioncoach
1. I have no qualifications for this job.
Anyone can claim to be a financial planner. There are no education, experience or ethical requirements and no government agency that regulates planners as planners. Of the estimated 250,000 people calling themselves financial planners, only about 56,500 have earned the Certified Financial Planner mark -- the best-known financial planning designation. Fewer still are a Chartered Financial Consultant (ChFC) or Personal Financial Specialist (PFS), the financial planning designations offered by the insurance and accounting industries, respectively. Even if your planner has one of these designations, you're not home free. It generally takes years of experience and ongoing education -- not to mention integrity and ethics -- to become a truly good planner.
2. I have no obligation to put your interests ahead of my own.
Real financial planners take seriously their duties as fiduciaries -- professionals who are trusted to think of their clients' needs first and foremost. Most of those who call themselves planners, though, are really in the business of selling investments. As such, they may face scrutiny from various government agencies over their sales tactics. But instead of being obligated to create the best financial plan for you, they're only required by law not to sell you something that's utterly unsuitable.
3. I'm not being paid the way you think.
"Commissions" became a dirty word in the 1990s, when even the big brokerage houses like Merrill Lynch decided that people would rather pay fees than have advisers compensated by commissions for the investments they sold. True fee-only financial planners are still a rare breed, however. The leading association for fee-only planners, NAPFA, has fewer than 800 members. Most financial advisers still get some or most of their income from commissions, according to FPA. Many finesse the situation by calling themselves "fee-based" planners, or by simply avoiding the issue of how they get compensated.Commissions aren't bad, per se. But they do create a built-in conflict of interest. Your planner should volunteer information about how she gets paid. If you have to ask, you should at least get a straight answer.
4. I'm looking at only one small portion of your overall finances.
A good financial planner looks at every aspect of his or her clients' financial situations, from their budgets to their estate plans. That's the only way to give truly customized, comprehensive planning advice. Many of those calling themselves financial planners, however, focus on one narrow aspect of a client's monetary condition -- usually the area that corresponds with whatever financial training they've received.
5. The only products I understand are the ones I'm selling.
The old saw goes like this: When all you have is a hammer, everything looks like a nail. Advisers who lack training in comprehensive financial planning often know only what their companies tell them about the various investments they're told to sell. An insurance agent, for example, might sing the praises of variable annuities -- not realizing that annuities should only be considered after tax-favored retirement options, such as 401(k)s and IRAs, have been exhausted and less expensive alternatives, such as index funds or tax-efficient mutual funds, have been considered. I still remember a conversation a few years ago in which an insurance agent launched into a passionate defense of variable annuities, only to confess -- after much probing -- that he had never heard of alternatives like tax-efficient mutual funds and didn't know how much could be invested in a 401(k) or Roth IRA. Likewise, a stockbroker might push individual stocks or mutual funds, when the best use for your money might be increasing your emergency fund or paying down your mortgage.
6. I can't beat the market.
Many people think a financial planner can help them supercharge their investment returns. Many of the best financial planners, however, believe they're doing well if their clients' portfolios simply match the market averages. They don't even try for more, convinced that such efforts are a waste of their time and effort -- and of their clients' money. Those who do try often fall woefully short. The more they trade, the more money they spend in commissions and fees, and the farther they fall behind the market benchmarks. Good financial planners concentrate on making sure their clients are well-diversified and that other aspects of their finances -- their budgets, credit ratings, insurance coverage, tax situations, estate plans and retirement accounts -- are in the best shape possible. In contrast to the adviser who's trying to keep secrets, however, these good planners are upfront about the fact that they're not trying to beat the market.
7. I won't save you from yourself.
The best financial planners didn't let their clients overdose on technology stocks during the 1990s and insisted they stay invested during the roller-coaster ride of the past few years. The worst encouraged their clients to chase every hot trend, whether it was dot-coms or excessive investments in real estate. Many planners fall somewhere in between -- trying to make the case for diversification and common sense, but lacking the confidence and experience to insist their clients not make suicidal moves.
8. I have a checkered past.
Sooner or later, most financial planners will have a run-in with an unhappy client. If those disputes regularly escalate to lawsuits, however, or your adviser has been disciplined by a regulatory board, that's a red flag. The worst offenders skip from job to job or industry to industry, hoping their past never catches up with them.
I hope this was a true eye opener for most of you.....
In conclusion....Financial Planners invest your money and most don't do much more than that...some may try to sell you a financial product such as Insurace, Mortgage or Mutual Fund and even a smaller amount actually look at the most basic of your finances, where is your paycheck going? Paycheck Distribution Coaching was created with this in mind....How can you know where you need to go if you don't know where your coming from?
please feel free to comment and follow me on www.facebook.com/paycheckdistributioncoach
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