3 Strategies to Pay Off Debt

There are all kinds of debt.  Here we are going to focus on two of the most common ones: credit cards and medical.  College loan …

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2 Ways to Calculate Net Worth

Net Worth.  The sum of all things that’s yours; good and bad.  Calculating this number can be scary.  But just like the Credit Report, its …

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Your Financial Truth … Today

when baking follow directions when cooking go by your own taste quote 1

Here's the thing, no matter how old you are or where you are financially, TODAY is the best day to get serious about becoming financially independe Retirement Age Chart nt.

Why wait 30 or 40 years to achieve what I can teach you to do in 15 years or less?  Start TODAY!

Do you love your job?  If yes, you are in the minority.  Do you see yourself working 30-40-50 years? If you are like me and love working, then the answer may be yes, but it doesn't make having financial independence any less important.  Time moves so fast as demonstrated by the chart on the right.

The beauty of this recipe for financial independence is that it puts you in the drivers seat and does not rely on Social Security being there when you retire (if its even there).  It's a combination of “baking” and “cooking” mindsets meaning sometimes its an easy follow directions (like Phase One) and other times decisions are based according to your own taste.

Phase One: Get Real

1. Run Credit report. (Numbers don't lie… or do they.)

2. Calculate Net Worth (How many ways can we calculate net worth?)

3. Get Credit Score (700 or better baby!)

4. Create a “Fun” Budget  (If its not fun, your not doing it right.)

a) Get Organized: Pick your tools.

b) Create Budget: I spent how much??

5. Get a cat and name him/her Ms./Mr. McFluffers  (ok you caught me, my daughter typed this one in… its a gimme).

That's pretty much it, except for step 5, that's optional.  FULL DISCLOSURE: we are animal lovers.  If you are thinking of adding a fur-baby to your home (& budget), adopt from a nonprofit or shelter.  More on this in a later post.

Thank you for allowing me to be part of your journey!  I am so excited and look forward to hearing from you in the comments section below.

"The thing you fear the most has no power.  Your fear of it is what has the power.  Facing the truth really will set you 
free."  ~ Oprah Winfrey
Get Your Slice,

Pie Lady


Letter to my Younger Self

Dear Younger Me, Hindsight really is 20/20.  Yeah, I know you know.  But think about it.  Wouldn’t someone older than you be able to give …

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