Resources To Get You Financially Free



March 22, 2006

I am inspired by people who aim to make a difference with their lives. I am inspired when a family is financially broken, and they decide it is time to change the situation in a major way. They become seriously focused. They will not take “No!” for an answer. They will not be denied. They…

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Listen to your wife!

March 21, 2006

I am the type of person who just wants to make decisions. I want to do deals. I want to make it happen! I do not want to stand around and just think or talk about doing something. A few years ago, when I was still loaded with debt, I was interested in purchasing a…

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Lack of motivation

March 20, 2006

A key reason that people do not develop a plan for their personal finances is a lack of motivation. There really are at least 541,326 other things that are more fun than planning your finances. The football game on TV, fishing, hunting, sleeping, eating, shopping, traveling, crocheting, gardening … The list really could go on…

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Budgeting Tips

March 16, 2006

I have some budgeting tips that have worked for me. If you have any additional ones, I would love to learn them! Tips 1. Use a computer spreadsheet if at all possible (Excel, Quattro Pro, etc.). This takes the math out of the calculations. If you remember something that needs included in the budget, you…

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BOO to the non-savers. Down with you!

March 15, 2006

From USA Today last week: $575 – On average, U.S. households overspent their incomes by that much in January!!! Below the main headline is a line that states The negative savings rate worries some. WOW! It worries some?????? My goodness, what is it going to take to wake up???? What we are doing is NOT…

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You can do one or the other.

March 14, 2006

I’m so in debt. It is so hard for me to get out of debt. My husband is not on board with it. It is not possible for me to get out of debt. I have spent too long living on nothing so I am going to start living now even though I have to…

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About Joe

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Joe is a leading teacher of personal finances. It is his passion to help people accomplish far more than they ever thought possible with their personal finances.

He is the founder of I Was Broke. Now I’m Not., the president and CEO of INJOY Stewardship Solutions, and Co-Founder of Fully Funded.

Joe is a graduate of Purdue University (BS Mechanical Engineering) and Clemson University (MBA). He is the author of several books and has been featured in Money Magazine. He has been privileged to share his passion with hundreds of thousands of people throughout North America through Financial Learning Experiences, personal finance messages and one-on-one financial coaching sessions.