Why saving now will help you reduce stress and spend less.

back to school

After reading this title you may have just double checked your calendar because why would I write about back to school shopping in June?  As we all know waiting until the last minute rarely is a good move and that is no different with back-to-school shopping.  So why worry about back-to-school shopping now?

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Ryan & Ashley Houck are like most young families. They both started their married lives in debt while beginning to grow their family. After their first coaching session they began to work extra, make sacrifices and live on a plan that helped them become debt free.

Ryan & Ashley Only

“Hey why don’t we be crazy…and let’s get serious and become debt free and change our family tree”

“After we left your office we were so mad at ourselves and said this has got to change! We started getting serious – Every penny to the dollar was accounted for.”

“Getting out of debt became a family affair. There was no other way we wanted to live.”

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Engelman Family 2014

Jon & Patti were living the “American Dream”, as a married couple with four wonderful children, they owned a two story house with the white picket fence and of course… the dog.  As successful business owners they were able to create the lifestyle that most people dream of having.  On the outside everything appeared to be going picture perfect.  However, there was a season of life where there were some challenges to overcome.

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Divorce rates remain high with money fights as the leading cause for separation. Each spouse thinks they aren’t doing anything wrong, yet neither is going anywhere financially.

Good Housekeeping found 60 percent of married couples partially mix their money, 30 percent keep separate checking accounts, and only 10 percent keep everything together. Is there a correlation or is this causation?  Listen to the podcast below, where Coach Justin was featured on the Financial Wellness Show.

Divorce rates remain high with money fights as the leading cause for separation. Each spouse thinks they aren’t doing anything wrong, yet neither is going anywhere financially.

Good Housekeeping found 60 percent of married couples partially mix their money, 30 percent keep separate checking accounts, and only 10 percent keep everything together. Is there a correlation or is this causation?

The best time for a couple to join their accounts is right after the honeymoon. When your accounts are together, everything is out in the open and there are no secrets.

To avoid the frustration of having to discuss every little purchase, couples can have their own “mad money” budget category, and they can deposit an agreed upon amount to that category every month.

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Benjamin and Crystal are living proof that you do not have to live paycheck to paycheck.  Multiple studies site that 70-80% of Americans live paycheck to paycheck.  Benjamin and Crystal were no different.

Bobbier

 

However, they made a decision that life is too short to stay this way and the transformation they made in just 90 days was absolutely incredible.

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