Archive for October 2008

FLE in Greensboro, NC Saturday AM!

I am PUMPED to be traveling to Greensboro, NC to teach the Financial Learning Experience at Saint Pius X Church.  After the FLE is over, I will be training financial counselors through the Financial Counseling Experience.

This means that after I leave, there will be folks at Saint Pius X equipped to provide one-on-one financial counseling to their community.

That PUMPS me up.  Here is why.  If this thing is a "Joe Show", it will grow incrementally at best.  However, if this is a "Bunch of sold-out, fired up people who just want to see people win with money Show", it can grow explosively.

That. Fires. Me. Up.

Read recent posts

NEXT STEPS – A New Part Of The Crusade – Part 4

I am PUMPED about Next Steps, the newest division of IWBNIN.  In this series, I will be sharing different components of this division which is solely focused on providing practical next steps toward financial freedom.

Eliminate Debt

The Eliminate Debt section was developed to help folks develop a plan that will allow them to become 100% debt-free.  I was in debt up to my eyeballs, and my bride and I made a commitment in December 2002 to rid ourselves of debt.  In just fourteen months, we became debt-free except for the house and are now well on our way to eliminating the mortgage!

You can become debt-free too, and the Eliminate Debt section was prepared especially for you.

Here are the pages located in the Eliminate Debt section.

  • Debt Freedom Date  This page is focused on helping you understand your debt situation.  There are links to obtain your free credit report (it truly is FREE), calculate your debt freedom date, calculate the actual cost of your debt, and an early pay-off calculator.
  • 0% Interest Balance-Transfer Credit Cards  I am not a fan of credit cards at all, but if you are carrying a balance and paying interest – why not surf the balance to a 0% card?  That way ALL of your payment is applied toward the debt!  We have searched the internet to find cards that charge a minimal transfer fee, but allow you to transfer the balance and pay 0% interest for an entire year.  There are even a few cards that allow you to transfer the balance with no transfer fee.
  • Debt Pay-Off Spectaculars  Yes, these are also located in the Free Tools section, but for your convenience we have also located the page in the Eliminate Debt section.

Back when I was swimming in debt, I asked myself the two following questions that changed my life forever.

  • "How much do I pay each month to debt?"
  • "What else could I do with this money?"

Use the Next Steps' Eliminate Debt section to get started on your own Debt Freedom March!

Read more of the series on Next Steps

NEXT STEPS – A New Part Of The Crusade – Part 3

I am PUMPED about Next Steps, the newest division of IWBNIN.  In this series, I will be sharing different components of this division which is solely focused on providing practical next steps toward financial freedom.

Free Tools

These are the same free tools that are located via the "Tools" link here at JosephSangl.com, but they are much better organized.  We have taken this opportunity to organize the Free Tools into logical subgroups (sorry, some of my engineering nerdiness there …)

Here are some of the sections in the Free Tools section.

  • Budgeting Tools Monthly; Weekly; Bi-Weekly; Bi-Monthly; Specific Project or Event – Every budget tool you may need can be found on this page.
  • Debt Reduction Tools  Calculate your Debt Freedom Date and Actual Cost of Debt here.  You can also use the Early Pay-Off Calculator to find out how much sooner a larger payment will make a debt leave!
  • Calculators  Chances are really good that the financial calculator you need is located on this page.
  • Saving Tools  Find out how much your monthly savings can equal in a few years on this page.
  • Pay-Off Spectaculars  These are some of the most popular tools, and this page takes the spectaculars to an entirely new level.  There are now thumbnail pictures of each spectacular for you!
  • Saving Spectaculars  As with the Pay-Off Spectaculars, the Savings Spectaculars have been reorganized for ease of use.

I am PUMPED about Next Steps and the opportunity to help you take practical next steps toward financial freedom! 

Read more of the series on Next Steps

Financial Learning Experience – Two Places This Week!

I am PUMPED to be leading the Financial Learning Experience to two different places this week.

 

Wednesday – October 29, 2008

Where:  Foothills Community Church

Address:  505 Bountyland Rd  Westminster, SC

When:  6:30PM – 8:30PM

To Register:  Call the church at [864] 888-8008 or Register At The Door

.

Saturday – November 1, 2008

Where:  Saint Pius X Church

Address:  2210 N Elm St  Greensboro, NC

When:  9:30AM – 11:30AM

To Register:  Call the church at [336] 272-4681 or Register At The Door

I would love to see you there! 

NEXT STEPS – A New Part Of The Crusade – Part 2

On October 3, 2008, I announced the formation of a new division of IWBNIN called Next Steps.

For the next several days, I will be sharing some specifics about this new division.

Vision

It is my passion to help people accomplish far more than they ever thought possible with their personal finances so that they can be freed up to go do EXACTLY what they have been put on earth to do.

As I speak and teach about personal finances, I receive many questions like "Who do you recommend?" and "Where would you go?"  Next Steps was created to answer these questions and provide practical next steps for those seeking to take their finances to a new level.

Prepare A Plan

The "Prepare A Plan" link was created to share the key items that I believe are fundamental for a sound financial plan.  These items include:

  • Planned Spending  It is so important to have a written plan!  This link leads to a page chock full of budgeting tools.
  • Freedom From Debt  Want a huge pay raise?  Eliminate the debt payments, and it will free up a ton of money!  This link leads to the debt freedom date calculator, actual cost of debt calculator, and an early pay-off calculator.
  • Saving & Investing  I love saving and investing!  This is what will allow me to accomplish my plans, hopes, and dreams.  This page leads to links for high-interest paying on-line savings and checking accounts, mutual fund investment companies, and 529 college savings plan links..
  • Insurance  Insurance can be frustrating.  This page was created to make it easy to obtain multiple quotes with just a few minutes of effort!  The average annual savings on auto and home insurance for folks who have not obtained a new quote in the last two years is nearly $600.  That will spend just like money!
  • Leaving A Legacy  According to Bankrate.com, 57% of Americans do not have a written will.  This means that the government will be left in charge of determining who gets what!  This page was prepared to help you get a written will at a very reasonable cost.

Read more of the series on Next Steps