Resources To Get You Financially Free


Compound Interest Calculator – Investing

January 30, 2007

For those of you wanting to calculate your own investment future value, you can go HERE!

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Have you looked at your credit report?

January 30, 2007

By law, you are allowed to view your credit report once per year.  You can obtain your FREE credit report at  It is FREE once per year!  At the end, they will ask if you want to see your FICO score for somewhere around $6.  You are NOT obligated to do that!  Just decline…

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Ideas for Saving Money

January 24, 2007

Cash a $5 bill every time you go to the vending machines at work.  Save the change.  If you go to the vending machines three times in one day, cash a $5 bill every time.  Save the change.  I have a friend who become debt-free using this very technique! Use cash envelopes for any budget…

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Why I am such a big fan of cash envelopes

January 20, 2007

I am a HUGE fan of cash envelopes because they are a key reason that Jenn and I started winning with our finances. Here is how we use cash envelopes: Every month BEFORE the money comes in, Jenn and I work together to spend all of our money on paper.  We FORCE our money to…

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First-Time Budgeting

January 18, 2007

Wow!  I remember our 1st-ever budget.  My fine bride, Jenn, came into the living room with this scrawled out budget on a piece of lined paper.  She had been trying to get me to budget for the past 6 months or so, but I was not playing along! You see, I thought that budgets were…

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January 15, 2007

Over the past week I have met with two people who have once again reminded how important it is to have life insurance. In situation one, a person's spouse passed away at a very young age.  It was a total shock.  However, this couple had a financial plan that they had worked on together.  They…

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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.