Archive for March 2010

Restaurant.com is 80% off

For those of you who have attended a Financial Learning Experience in the last year or so, you know I am a fan of Restaurant.com as a great way to save money on dining out.

As they usually do, they offer 80% OFF nearly every other week.   They have just released the latest 80% OFF discount code: BITE

Check out the participating restaurants in your area HERE.

I’m actually redeeming one for a local restaurant in my area for dinner tonight!

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How Broke Are We?

Already in DebtNews Flash:   It will soon be $46,000+ when our national debt reaches the new limit approved by Congress – $14.3 TRILLION.

What are we going to do about this?

NOTE:   I don’t know who owns this photograph, but I would gladly provide credit.

Injoy Stewardship Challenge Conference

I am excited to be speaking as part of the Injoy Stewardship Challenge Conference series that will be visiting four cities in 2010! Here is 411 on the line-up of speakers, locations, and dates.

April 8, 2010   Kansas City, MO – Heartland Community Church

April 28, 2010   Sacramento, CA – Bayside Church

  • Dr. John C. Maxwell
  • Dr. Rick Campbell
  • Pastor Ray Johnston (Pastor of Bayside Church)
  • Joseph Sangl
  • Tim Avery

May 11, 2010   Atlanta, GA – Mountain Lake Church

  • Dr. John C. Maxwell
  • Dr. Rick Campbell
  • Pastor Shawn Lovejoy (Pastor of Mountain Lake Church)
  • Joseph Sangl
  • Tim Avery

The fourth location will be announced soon.   In the meantime, I would love to meet you at one of these conferences!   Learn more and register HERE.

Ways To Eliminate The Mortgage More Quickly – Part 2

Welcome to the latest series at JosephSangl.com – “Ways To Eliminate The Mortgage More Quickly”.   It is my hope that this series can help you eliminate what is usually the single largest expense in the household budget and free that money up to much greater things than make a bank rich!

Part 2   Lower The Interest Rate

One key way to eliminate a mortgage is to have an excellent mortgage interest rate.   Mortgage rates are at historic lows.   CNNMoney’s website has an excellent calculator that one can use to evaluate different refinancing alternatives to see which one is best for your situation.   It can be obtained HERE.

Just lowering the interest rate by 1% on a $100,000 mortgage will nearly $1,000/year!   That, my friends, will spend just like money and I would much rather apply that money toward principal reduction or funding a dream than sending it as a gift to my mortgage lender!

We have an “Early Pay-Off Calculator” located on under our NextSteps tab (HERE) that will show you how much more quickly you can pay off your loan if you obtain a lower interest rate.

This can seem very basic, but it is easy to get caught up in the day-t0-day bustle of life and miss one of the key ways to eliminate the mortgage more swiftly!

Read the entire series HERE

One key way to eliminate a mortgage is to have an excellent mortgage interest rate.   Mortgage rates are at historic lows.   CNNMoney’s website has an excellent c

Thisalculator that one can use to evaluate different refinancing alternatives to see which one is best for your situation.   It can be obtained at http://money.cnn.com/tools – click on mortgage refinance calculator.