Finances By Rachel: Tip & Quotes of the Week June18-25

Friday, June 25, 2010

Tip & Quotes of the Week June18-25

Life Insurance

Life insurance is probably the one thing that most everyone needs but many people think they can't afford or never bother to think about until it's too late. Basic human instinct is to procrastinate doing things. Insurance is easily one of those things that we say 'oh, we'll get around to it someday'. Well guess what someday might be too late. Be responsible to those you love and get it!

Homework:

Now if that wasn't blunt enough, try this. If you die today, would your family be prepared financially to handle the storm? These things happen every day to someone, we just never think it will be us. Please take action and make sure you have the right type of insurance and of course, enough of it.

"It is unwise to hope for the best without preparing for the worst." Anonymous

"Human beings have a 100% mortality rate- we're all going to die someday. If people depend on your income, it is your responsibility to make sure they'll be taken care of if something were to happen to you." Dave Ramsey

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Sharing My Passion

My name is Rachel. I have been married for 14 years and am the mother of 4 children. I admit that I have always been a geek when it comes to money (just ask my husband). As a teenager I loved to balance my checkbook and plan out what to do with my money. Unfortunately, I married into the student loan debt my husband was carrying. Then came the car loan we got when our first daughter was born. I got to the point that I was tired of being broke every month after the bills were paid. So we began our journey to become debt free. My husband initially thought I was crazy, but soon saw the things that were happening and jumped on board. After a very long, nearly 2 1/2 years and some setbacks, in December 2009 we achieved that goal!

Now I have embarked on a new journey as a financial coach to share my passion and knowledge to help those in need succeed with their money. In reading this blog may you find hope and inspiration to change your financial destiny! Change is difficult but worth paying the price to have peace in your life.

What is Financial Coaching? Is it right for you?

There are many levels of gaining financial information from reading a book from the library to taking a class. Financial coaching is the most hands-on, comprehensive and detailed approach out there. I will help you develop a plan tailored to your financial situation. You may be facing bankruptcy, foreclosure or harassing creditors and don't know where to turn. Or maybe you need help with a plan to be more efficient in building wealth or just have general questions about money management. You decide the level of service that you need and if financial counseling is right for you.