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Recenty I had an occasion at work to deal with a man and woman who were in a relationship that was falling apart. That the relationship was falling apart was how it came to my attention. It had gotten so bad, the neighbors had called (most of the neighborhood had called) and hence, my arrival.

While dealing with this matter, (names and details deleted to protect the not so innocent) I found out that all parties involved were quite religious. I observed that the crux of the issue was, ...

Step 2 – Get a Budget

Today I want to share with you the importance of having a budget, budgets are something that many people work with in their professional lives but not enough people apply budget principles to their personal lives.

You know how it works… you get your paycheck and you pay bills, if there is any money left over you find a way to spend it but seldom is the extra money put into savings or used to pay off debt.

My goal when I started ...

Yesterday I started a series on Financial Peace of Mind. Today I want to begin to share some of the tools I learned while putting into practice over the past year the things I learned at Financial Peace University (a Dave Ramsey program) as well as from other useful sources.

Financial Peace of mind came to us in "baby steps" (a Dave Ramsey term), the course (Financial Peace University) was stretched over 13 weeks and is available all over the country. I will share parts of it here ...

Financial Peace of Mind is possible.

Ten years ago my wife & I left our previous jobs for a fresh new start. We had no money, no assets, and no real belongings. We owned a house in Oregon but there were no jobs there so we settled in Arizona.

We took out a loan on our home here and ran up our credit cards over the years buying things like furniture, cloths, food... you know, and all those things we think we need to survive. Purchased a couple of new cars using those ...

It had been a couple of years since the family and I last went to Disneyland so we took off Friday after work and headed over to California for the weekend. The original plan was to leave early Friday morning and enjoy the ride over but then my daughter had to work, the wife worked and my son had a memorial service to attend so we didn't get on the road until 5pm.

We arrived at my Brother-in-law's place in Pasadena at 11pm so visiting was out of the question and we arose (yep that's ...