It is my passion to help people accomplish far more than they ever thought possible with their personal finances. One key way I am able to help fulfill this personal mission is to offer outstanding personal finance tools for FREE. If you haven’t checked them out in awhile, you really should! They are located HERE.

On the Tools page, you will find:

• Budgeting Tools  Monthly, Bi-weekly, Bi-Monthly, Weekly, and Irregular income planning worksheets
• Debt Tools  Debt Freedom Date calculators, Actual Cost of Debt calculators, and Early Pay-off calculators
• Saving Tools  Known, Upcoming Non-monthly Expenses calculator, Savings account balance tracking tool, and investment calculators
• Spectaculars  You just have to check them out – especially the Llama Pay-Off Spectacular

These are the very tools my bride and I used to win with our money – eliminating our non-house debt in 14 months and our house debt in less than 6 years!

There are nearly 100 tools – and all of them are FREE. Get yours NOW and take charge of your money!

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Do you ever feel like your finances have been side-swiped by a major expense, and that sudden expense causes immense stress and pain?

Chances are that you have, and it probably was a “Known Upcoming Non-Monthly Expense.”  The key word in that phrase is “non-monthly“.  Because it is not a monthly expense, it can tend to become an “out of sight – out of mind” item that seems to appear suddenly out of nowhere.

Think about it. Have any of the below items happened to you before and created a financial emergency?

1. Car tires need replaced
2. Sickness that created enough hospital bills to consume the entire insurance deductible (or worse yet – happened without insurance)
3. Heating & Air went out
4. Christmas
5. Vacation
6. Annual life insurance premium
7. Annual property taxes

Just go ahead and say, “Yes, I have!” because we ALL have experienced one or more of these scenarios.

Here’s the solution – use the “Known Upcoming Non-Monthly Expenses Calculator” to transform your “non-monthly” expenses in “monthly” expenses.  See the example below:

Do you see it?  By converting the “non-monthly” expenses to a “monthly” expense of $579 every month, you have substantially lessened the impact on your budget!  Instead of having to suddenly come up with $1,200 when the annual property tax bill arrives, the money will just be there!

TIPS:

• Be sure to recalculate your monthly savings number at least once per year
• Don’t forget more long-term expenses such as college, weddings, vehicle replacement, and major home renovations
• Set your savings for these expenses AUTOMATIC – by establishing an auto-draft

NOTE: This tool and dozens more are covered in more detail in my book, I Was Broke. Now I’m Not.

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I saw that title on an article link at CNNMoney's personal finance website, so I clicked on it.

The link leads to a great tool that helps you evaluate your current financial condition – then it gives you a report card grade.

Check it out HERE. 

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I ran across a "Does It Pay To Refinance?" Calculator at CNN Money recently.

You can access it HERE.

This is an excellent tool to use if you are considering refinancing your mortgage! 

If you are a leader or are developing yourself to be a leader, I highly recommend you jump over to Amazon.com and pre-order Tony Morgan's new book – Killing Cockroaches.  Tony serves as the Chief Strategic Officer on the Strategic Management Team here at NewSpring Church, and he is freakishly smart when it comes to leadership and strategy.  As a plus, he is a funny.  I would also subscribe to his website.  His blog is on my short list of every day must-reads.

Oh, and this other no-name guy named Andy Stanley wrote the foreword for Tony's book.

Watch a GREAT introduction to Tony's book by clicking on the YouTube video below

While you are at it, you might want to pick up Tony's other three books on strategy that he co-authored with Tim Stevens.

Find other great resources at the I Was Broke. Now I'm Not. Amazon.com Resource Center.