Archive for August 2008

PA, WY, GA, SC – All on the calendar!

I am PUMPED to say that I will be speaking and teaching in Pennsylvania, Wyoming, Georgia, and South Carolina in the next few months.

My question is – Will I see YOU at one of these events? 

You can see the scheduled events HERE.

More events are being scheduled.  I love partnering with churches and businesses who want to help their people learn practical and immediately applicable ways that they can use win with their money!  

If you are interested in hosting a Financial Learning Experience or Financial Freedom Experience, contact me HERE.

FIRED UP! FLE Travels to Graystone Church This Weekend!

 

I am FIRED UP to be carrying the crusade to Graystone Church (Lead Pastor: Jonathan Howes) in Grayson, Georgia this weekend!

FIRED UP.

I will be speaking during the morning services at 9:30AM and 11:00AM.  Following the second service, I will be teaching the Financial Learning Experience from 12:30PM – 2:30PM.  To sign up for the FLE, click HERE.  Over 100 people have already signed up for the class, and it is not too late for you to attend.  To sign up for you (and for your family, friends, neighbors, and co-workers), click HERE.

I CAN'T WAIT!

It is MY PASSION to see people accomplish far more than they ever thought possible with their personal finances.  Why?  Because I believe that when people are financially free, they are much more likely to go do EXACTLY what they have been put on this earth to do – regardless of the income potential.

I know that lives will be changed this Sunday.

Joe travels throughout the nation passionately speaking and teaching others how to win with money.  If you are interested in having Joe carry the crusade to your church or organization, contact Joe HERE.

SERIES: Restructuring Debt – Part Six

Welcome to the latest series at JosephSangl.com – Restructuring Debt

I am excited to embark on this series of posts because interest paid toward debt is one of the largest obstacles to gaining traction for one's own Debt Freedom March.

Of course, one way to eliminate the interest is to sell some stuff and become debt-free.  But I recognize that for some people, they have debt that they are going to have to focus on and just pay it off.  If this describes you, then I trust that this series helps you gain speed in your Debt Freedom March! 

Part One – Know What You Are Paying

Part Two – Lower The Interest Rates!

Part Three – Lower The Interest Rates! – Continued

Part Four – Lower The Interest Rates! – Continued

Part Five – Lower The Interest Rates! – Continued 

There are many approaches one can take to lower their interest rates.  In Part Two, I covered the "negotiation" avenue.  In Part Three, we covered surfing the balances to zero-percent credit cards.  In Part Four, it was the debt consolidation option.  In Part Five, it was the credit score option.  In Part Six, I will be sharing my most favorite way to restructure debt.

Part Six – CRUSH IT, SMASH IT, HAMMER IT, DESTROY IT

I used to be broke.  I used to have $4.13 in my bank account after paying all of my bills, and I was pumped because it was a positive balance.  Yet, I was sending hundreds of dollars every single month to banks for debt.   I finally experienced my I Have Had Enough Moment (IHHE Moment) and attacked my debt.

I know that the interest is annoying.  I know that trying to get the lenders to lower their interest rates is frustrating and humiliating.  Besides that – much of that is out of our control.  But controlling how we spend our money from now on IS in our control.  Not signing up for more debt IS in our control.  Going to work for sixteen hours a day to eliminate our debt superfast IS in our control.  Selling our car, boat, truck, collectibles, and other niceties IS in our control.  No, it might not be fun, but paying hundreds and thousands of dollars a year in interest is MISERABLE and robs us of the ability to go do EXACTLY what we have been put on this earth to do!

So I end this series with two questions and their answers.

Q:  How much interest do you have to pay when you have zero debt?

A:  ZERO

Q:  How much interest is paid to you when you have money in the bank or invested?

A:  Anywhere from 3% to 12% or more!  Paid TO you!  I decided long ago to choose to have interest paid to me instead of paying it to someone else.

I trust that this series has helped you.  I love hearing the stories.  If you would be willing to share your story or would like to sign up for a free financial counseling session with one of our fifteen trained volunteer counselors, fill out the contact form HERE

SERIES: Restructuring Debt – Part Five

Welcome to the latest series at JosephSangl.com – Restructuring Debt

I am excited to embark on this series of posts because interest paid toward debt is one of the largest obstacles to gaining traction for one's own Debt Freedom March.

Of course, one way to eliminate the interest is to sell some stuff and become debt-free.  But I recognize that for some people, they have debt that they are going to have to focus on and just pay it off.  If this describes you, then I trust that this series helps you gain speed in your Debt Freedom March! 

Part One – Know What You Are Paying

Part Two – Lower The Interest Rates!

Part Three – Lower The Interest Rates! – Continued

Part Four – Lower The Interest Rates! – Continued 

There are many approaches one can take to lower their interest rates.  In Part Two, I covered the "negotiation" avenue.  In Part Three, we covered surfing the balances to zero-percent credit cards.  In Part Four, it was the debt consolidation option.  In Part Five, I will be covering the credit score option.

Credit Scores Matter!

I know.  I am brilliant.  But it matters so much when it comes to reducing the interest that lenders will charge on your existing debt (this is a no-new-debt zone!).  As your credit score improves, your credit card surfing and bill consolidation loan options will improve.

There is a company that actually specializes in consolidating loans for people with excellent credit.  I was told about this company by a banker friend who has been extremely impressed with the way this company is doing business.  It is called FirstAgain.com.  It is actually stated on their web site that "Excellent and Substantial Credit Required".  No need to apply if you have trashed credit, but it looks like a good option for those who are looking restructure their debt and gain traction with their Debt Freedom March.

Of course, there are also companies that specialize in loans for people with horrible credit.  Payday loan joints, title loan sharks, pawn shops, and various other organizations provide loans that have HORRIFIC interest and should never be considered a viable option for someone who expects to gain traction on their Debt Freedom March.  I have yet to meet the first person who became debt free because of their rip-off payday loan.  I have met hundreds who have became completely hopeless because of their rip-off payday loan.

In the sixth and final installment of the Restructuring Debt series, I will be sharing my favorite way to restructure debt.

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Winner of “Wild Goose Chase”

Wow.  All I can say is, "Wow."  After reading all of the terrific comments, there was absolutely no way I could choose any single one of them.  So I ended up resorting to the old-fashioned "names in a hat" technique to choose the winner of Wild Goose Chase by Mark Batterson.

The winner is Casey Morgan who submitted the second comment on the review I wrote up about the book.

Congratulations to Casey, and for those who did not win the free copy, I highly recommend that you hop on over to Amazon.com and pick up a copy.  You could even bundle it with a copy of I Was Broke. Now I'm Not. and qualify for free shipping!

Congratulations again to Casey Morgan for winning the free book!

Read recent posts by Joe 

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