Resources To Get You Financially Free


Why pay off your home early?

February 24, 2006

If your interest rate is 5% and you pay off an extra $1000 on a 30-year note, you have just saved $50/year for the next 30 years. That is $1500!!!! If you pay off your home early, it frees up what is often a very large portion of your monthly expenditures. You can then use…

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It’s good to talk about it … but action makes it happen!

February 23, 2006

Are you still talking about it? Talking about making a change to your financial future? Wanting to get out of debt? Every year, one of the top New Year’s resolutions is “to become better off financially.” Are you one of the many who made that resolution? Talk without action is mere babble. You CAN become…

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I have never seen anyone save money by spending money

February 22, 2006

Have you ever heard someone say one of the following statements? “I saved $50 on this shirt at the mall!” “I saved $2000 on this new car!” “I saved $200 on this new couch!” I have one question. Did you really save money while spending money? I can believe that you spent less money, but…

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Freeing up $200/month in expenses is equal to receiving a $285/month raise!

February 20, 2006

When you free up any money at all in your monthly spending plan, it becomes immediately available for other uses. It can be used to pay down debt, to build your emergency savings balance, or to give to a worthy cause. The wonderful thing is this – If you free up $200, you really have…

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Quick Cash joints are HORRIBLE RIP-OFFS!

February 17, 2006

I am VERY UNHAPPY with quick cash and title loan places. They offer quick cash … for a fee … for a VERY LARGE fee. Don’t believe me? Do what I did. Go to the web sites of these establishments. One you can try is Type in $500 for the state of Indiana, SC,…

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What would you do with all that money?

February 16, 2006

I give JESUS the praise and glory for the below true story! I remember when Jenn and I decided it was time to become debt-free. It was so exciting! We were so frustrated at the mess we had made, but we had hope now! We had calculated our debt-freedom date (see post from 2/15/2006 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.