For Sale

The first step in winning with money is creating an emergency fund.  That fund can be $250 on up but typically we suggest $1000 to be the number.  Imagine what the emergency fund can do for you?  Is a flat tire a big deal? Is the hot water tank going out the end of the world?  The function of the emergency fund is #1 slow down emergencies and #2 stops the use of credit cards.  If you are asking “Why an emergency fund?” it is because if you don’t have a plan, Visa or Mastercard will, and they would love to pick up your slack.

 

I know what you are asking “How?”  Easy, most of the clients we work with will have the fund in place within the first month, some may take a few more months but it is a requirement.  Yes we require our clients to SAVE! They are successful at saving because they want to change. They are tired of living paycheck to paycheck or worse living outside of their means.  So the quickest way to save is to......get this...... sell some stuff.  I know it is crazy but how important is that 4^th T.V. you have sitting in your basement or that exercise bike that collects dust.  Turning the stuff in your basement or attic into cash is a good thing.  That “stuff” is keeping you from turning your life around.  Completing step one is like recovering a fumble.  You are no longer on defense but you are now on offense and with your plan, aka budget, you will begin to march toward your goal.