Follow Me Out of Debt | Get out of debt and get into prosperity!

Happy Friday! What are your weekend plans?   If you're planning on some downtime, you'll want to make sure that you have already budgeted for this fun escape before you set foot outside of the door. It's not fun to go out to have a good time only to come back home and suffer the consequences of overspending because you failed to plan accordingly.   Some of us spend our weekends working, and some o...

Did you know that the average American household debt is a staggering $140,000.00? Now, that does include a mortgage, but even with that in mind, this is still quite a significant figure. Whether you are above or below that number, you wouldn't be listening to this podcast unless you had the same goal in mind: to get yourself out of debt and get into prosperity.   Many of us get lulled into compla...

The story of Ray Kroc and the founding of McDonald's as a national and international chain of restaurants holds plenty of gold nuggets of useful information. This isn't exactly a rags-to-riches story, however, this is a story of someone who maintained an incredible level of persistence while he worked towards fulfilling his vision of a nationwide (and again, now international) fast food burger cha...

Someone else is happy with less than you have. I read that quote today, and it inspired me to do an entire episode on this subject.    We take a lot of things for granted and fail to look around with appreciation or gratitude for what we already have. I'm guilty of this, and I've even said things a couple of times on this show along those lines. Sometimes it happens out of frustration, but I also...

I have a pretty consistent method when it comes to tipping. I firmly believe that we should tip well for great service. It's our way of showing appreciation for the folks who work hard to earn as much as they can while they are primarily relying on tips received.   I do not advocate tipping for bad service. However, I advocate tipping well for those who are working hard to earn their tips. Hear mo...

These are the five simple steps that I incorporate daily to help me to consistently think outside of the box. I didn't exactly put these together as five simple steps originally, but when I stopped to think about what habits I've developed over the past year or so, I realized that I could put some of my daily habits together as a task list that will definitely be a benefit to you if you choose to...

Are you making hundreds of dollars a week or thousands of dollars a month but still feel broke? Here's how to stop feeling broke.   First, you have to take the emotion out of the equation. We feel fear, hopelessness, anger, frustration, and other emotions when we consider the fact that while we seem to make a decent amount of money, we're still feeling broke most of the time. Feeling broke and bei...

This is the one question that you need to ask yourself before you whip out the plastic. This question is essential in order to stop yourself from continuing to use credit cards while you're in the process of getting out of debt. Obviously, adding more debt to the total debt payoff is the last thing that you want to do when you're trying to be wise and responsible. Being unwise and irresponsible is...

Are you currently in debt crisis mode? Perhaps your utilities are falling behind, and you're afraid that the lights will be shut off. Perhaps your vehicle is behind in payments and in danger of being repossessed. Your home may be in danger of foreclosure because you've neglected your mortgage payments.   There is a myriad of situations out there, and most of us in a debt crisis fall somewhere alon...

What are your three biggest frustrations when it comes to personal finance? I would like you to take some time and think about this question. Get back to me this weekend by sending your answers to me in an e-mail sent to the address mentioned on this episode.   If you know someone who may benefit from this show, please feel free to share it by sending them to  http://followmeoutofdebt.com . If you...

If you're looking for cheap kitchen countertops that still look like granite, you'll want to check out the Giani Granite Countertop Kit. We bought this last week, and I completed the project in a little over a weekend. Admittedly, I was skeptical at first, but I was amazed at the results afterwards. Our kitchen countertops were an ugly pink color, and now they have the correct color scheme and rea...

You need to think outside of the job box. Many of us get used to collecting a paycheck or getting a direct deposit into our savings or checking from our full-time job (or a part-time job). Because we're so used to this, we find it increasingly difficult to imagine what it would be like to collect revenue from something other than a job. Our ability to uncover opportunities for ourselves continues...

Visualization is important while we're on the journey to get out of debt and get into prosperity. I'm a big believer in visualizing where you're at and where you want to be someday. It's too easy to get stuck within our own confines and limitations if we refuse to allow our imaginations to run free a bit for our own benefit.   Most of us think of ramen noodles and equate it as a significant part o...

As many of you know, I enjoy reading books and listening to shows on the topic of personal finance. I weed out the garbage and leave behind only the best information out there and further distill it for you right here on this show. It's the whole reason that I started the podcast. With that said, the one thing that bothers me the most is that these gurus are richer than me!   I'm not jealous. Plea...

There's a new technique that I've been using to help me with better utilizing additional income resources outside of my standard full-time income. I started to use this technique a while back, and most recently, I used it to help us afford our most recent vacation that we took. This technique helps me to stay focused and reminds me every single day why I'm doing what I'm doing for a particular goa...

Help to build a healthy financial foundation with your children by showing them how they can earn their own money. From there, help them to connect the dots when it comes to the various uses of money. Kids are much more likely to be attentive to our teachings that we provide to them as parents, even from a very young age. We have a golden opportunity right now with our children to teach them and g...

If you're planning a vacation to Niagara Falls (on the Canadian side), you'll want to ask around to find out where you can find Golden Elvis. That's likely not his real name, stage name or otherwise, but that's what I dubbed him while I was there. He's a one-man ingenious marketing and money-making machine that you have to see to believe.   While most folks in the area that were watching him were...

Why do I have this particular podcast? I thought it would be a good idea today to get into why I do what I do. To me, this show seemed like a good fit in a world where financial gurus seem to all have one thing in common: a one-size-fits-all, cookie-cutter approach to personal finance. I couldn't disagree with this concept more.   There's a lot of room for improvement on several radio programs, bo...

While we are in the process of getting out of debt, we naturally make sacrifices here and there in order to focus more resources on our goals towards debt payoff. Some of us will take this a little further and stop buying new clothes, hair products, or will cut back on other personal maintenance items, such as haircuts.   While this will save money, it's not absolutely necessary to let ourselves g...

Many folks consider home improvement projects to equate to big bucks, and rightfully so. Many of them are expensive. When you are in the process of getting out of debt, you may have to let home improvement projects to stay on hold for a while because of this reason. If you're itching to do something to your home even while you're getting out of debt, I came up with a great list of inexpensive home...

What do you do when times are plentiful versus when times are more lean? Many folks have to ask this question several times a year, especially those who have inconsistent income throughout any given year. Perhaps your situation is similar to mine where one spouse doesn't work the entire twelve months of the year, so there is a time when things are a bit tight for a while.   Regardless of the situa...

Whether it's shaving in the shower or getting our clothes ready the evening before for the following day, we're always looking for ways to shave some time in our already busy lives. There are plenty of ways to save time, and sometimes it's a matter of simply being more organized. These time-saving methods will allow us to be mindful of saving time and also be mindful of not wasting time.   To-do l...

What are your ten things to aspire towards? This list can be quite significant and can serve as a useful blueprint to living out the life that you want to live. This isn't just about money; there's much more to life than that. Instead, this list of ten things to aspire towards is similar to the question that you may have been asked as a child. You know the question that I'm referring to. What do y...

How many multiple streams of income do you have coming in? There are ways to change your thinking so that you're on the lookout for opportunities rather than just letting your life go by. These opportunities can turn into resources of income, and no matter how small the stream seems to be, multiple streams of smaller amounts can eventually add up to quite a bit. Plus, you'll get better at doing th...

It's the new eBay (or Craigslist). It's the Facebook Marketplace. If you haven't checked it out yet, I definitely suggest doing so. I have sold on this platform, and what's great is that I usually talk to and sell to people I already know. That's a nice bonus when you have folks coming to your home to already know the individuals.   It's a surprisingly easy way to sell the stuff that you don't nee...