Finances By Rachel: Tip & Quotes of the Week August 20-27

Friday, August 27, 2010

Tip & Quotes of the Week August 20-27

Emergency Fund

I've said it before and I know I'll say it again. Everyone, no matter how old or young you are, no matter how much you make; needs an emergency fund. You'd be surprised at how many don't have even just $1000 in reserves. But sadly considering 7 out of 10 of you are living paycheck to paycheck, I guess it's not too surprising.

Homework:

If you do have an emergency fund, that's great! However, if you don't, make it a priority to get one ASAP. Life is a dangerous ride and if you don't have a cushion you are bound to get hurt. Take action today!

"There is treasure to be desired and oil in the dwelling of the wise; but a foolish man spendeth it up." Proverbs 21:20

"Anything that we can do to raise personal savings is very much in the interest of this country." Alan Greenspan

"An emergency fund turns a crisis into an inconvenience." 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.