Money Mastery Blog

October 18th, 2018 8:00 AM

New Financial Laws & You

How Do the New Financing Laws Affect You? ...

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October 12th, 2018 8:00 AM

Teaching Kids to Earn Money & Save

If you’ve been thinking about how to help your kids understand the importance of earning money and saving, try this system of using job lists at home. ...

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October 5th, 2018 8:00 AM

Teaching Teens Financial Responsibility

Help your teen enjoy a bright future by teaching them financial responsibility. Knowing the basics of money management will help your child to plan and achieve their life goals. ...

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September 28th, 2018 8:00 AM

Money Matters Q&A

Q. Is a Rent-To-Own program a good way to purchase a TV? ...

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September 21st, 2018 8:00 AM

Improving Your Credit Score

Whether you have a poor, fair, good, or excellent score, there's almost always room for improvement. Working to improve your score can be a lengthy process, but taking these steps can help you significantly! ...

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September 14th, 2018 8:00 AM

Improving Your Credit

Your credit report paints a picture of your financial history by detailing your experience with credit cards, loans, and other financial vehicles. ...

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September 7th, 2018 8:00 AM

Establishing Credit

You know that establishing and maintaining a solid credit rating is vital to your future financial success. The challenging thing about credit, though, is that it often seems impossible to get credit unless you've already established good credit. ...

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August 31st, 2018 8:00 AM

Financially Prepared to Relocate

Most people relocate because the move will increase their quality of life in some way or another. But, if your finances aren't quite prepared to carry you through the move and beyond, the negatives of relocating can more than outweigh the good. ...

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August 24th, 2018 8:00 AM

Emergency Financing

Financial surprises happen to the best of us. Sometimes it feels like no amount of planning can prepare us for a financial hit. If your car breaks down, your home needs emergency repairs, a beloved pet becomes ill or a family member requires a hospital stay, you may need emergency financing to get through it. ...

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August 17th, 2018 8:00 AM

Student Loan Aid

Financial aid can make it possible for you to attend any school you like, even if you cannot afford it all on your own. There are several different types of financial aid that are available to you, depending on your needs and how many options you're willing to consider. ...

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August 10th, 2018 8:00 AM

Avoiding Identity Theft

Empty bank accounts, credit accounts charged up to the limit, and a ruined credit rating are just the beginning of the nightmare! It can take months to get everything straightened out, but it only takes an instant for it to happen. ...

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August 3rd, 2018 8:00 AM

22 Ways to Increase Your Credit Score

Your credit score affects many aspects of your life. If you want a better house, apartment, job, car, cell phone, or other modern luxuries, your credit score plays a big role in whether you can get them at all. ...

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July 27th, 2018 8:00 AM

Student Loans

Student loans are the bane of many graduates' existence. The debt and payments can be a part of your life for 10 years or more. Your life circumstances may change, but that debt is always there until it gets paid off. So, it's wise to know ways you can prevent or minimize issues with your student loans. ...

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July 20th, 2018 8:00 AM

Loan -vs- Line of Credit

There's a wealth of different financing options available to you depending on what your financial needs are. Loans and lines of credit are two of these options, but they have very different implications. ...

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July 13th, 2018 8:00 AM

Lease -vs- Buy

There are two basic options when you need a new vehicle: Lease or buy. You can purchase a vehicle with cash or through financing, or strike up a lease agreement with an auto retailer. Leasing a vehicle provides you with short-term benefits without ownership, while buying is a much more serious commitment, but with greater long-term value. ...

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July 6th, 2018 8:00 AM

Avoid Interest Debt

Interest can really wreak havoc on your financial position! It's so easy to end up in constant debt because of interest applied by your financial institutions and other organizations. ...

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June 29th, 2018 8:00 AM

Implementing the Snowball Effect

Do you have too much debt and no idea how to get rid of it? Fortunately, there's a fast, easy, effective way to say goodbye to debt! ...

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June 22nd, 2018 8:00 AM

Use Cash to Avoid Credit Card Debt

If you've gotten into the habit of using your credit card for weekly expenditures, it might be wise to think about using cash instead. Using plastic cards doesn't seem like you're spending “real” money. There's something quite unique and tangible about spending greenbacks that serves as a reminder you you're spending hard-earned cash. ...

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June 15th, 2018 8:00 AM

Pay-off Your Debt Quickly

Having debt is like carrying a huge boulder on your shoulders. Each time you finance another purchase or swipe your credit card, you're adding weight to that boulder. ...

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June 8th, 2018 8:00 AM

Create a Debt Plan

When you don't take steps to repay debt, it can grow into a force to be reckoned with. The reason is that debt collectors often assess additional fees and interest on the debt that you owe, so unpaid debts can become monstrous in short periods of time. Creating a debt repayment plan is essential to your financial health. ...

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June 1st, 2018 8:00 AM

Finding the Best Credit Card

Although it's wise to pay off all your credit card debt, it's also practical to have one or two good credit cards. ...

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May 25th, 2018 8:00 AM

Credit Card Fraud

Q. Just recently, I've heard that thieves now have the capacity to get the number of my credit card and produce a credit card with my number on it. Then, the thieves can use the card to place charges on my account. Is this true? ...

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May 18th, 2018 8:00 AM

Building Good Credit Through Credit Cards

The difference between good debt and bad debt is an important consideration when you're building good credit. ...

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May 11th, 2018 8:00 AM

Disputing Errors on Credit Card


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May 4th, 2018 8:00 AM

Disputing Credit Card Information

The information in your credit report can affect many areas of your life, so it's important to keep track of what's in it. If you find information that is incorrect for any reason, it's your job to dispute that information to have it removed from the report. Only you are looking out for your own credit rating, so it's to your advantage to pay attention to your report. ...

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April 27th, 2018 8:00 AM

4 Ways to Cut Credit Card Debt

Are you challenged with excessive credit card debt? Don't despair! While credit card debt can feel difficult, it can be overcome with a little work and planning. You can act today, and achieve mastery over your finances! ...

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April 20th, 2018 8:00 AM

Successful Budgeting

Budgeting is an important element of effectively managing your money. Living paycheck to paycheck can be difficult, but there are ways to ease the pain by implementing and utilizing a budget that takes care of all your expenses, large and small. ...

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April 13th, 2018 8:00 AM

Take Control of Your Finances

Q. How can I get a handle on my finances this year? ...

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April 6th, 2018 8:00 AM

Simplify Your Budget

Finances have a knack for becoming complicated. Therefore, making your budget as simple as possible will allow you to get a better handle on your finances so that you can focus on matters that are more important. Simplifying your budget can have positive effects on all aspects of your finances by helping you keep everything under control. ...

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March 30th, 2018 8:00 AM

Financial Checkup

In every area of your life, it's important to submit yourself to a checkup to find out how you're doing. That way, you can make course corrections and ensure that you're remaining on the path to the success you were born to experience. ...

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March 23rd, 2018 8:00 AM

Having Fun on a Budget

In a struggling economy, it can be hard to have a good time. The prices of everything keep going up, while your bank account dwindles. ...

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March 16th, 2018 8:00 AM

The 60% Principle

60 % Expenses ...

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March 9th, 2018 8:00 AM

Be In Focus

Do you want to achieve success, then you must be focused on what you want to achieve. ...

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March 2nd, 2018 8:00 AM

Expect the Unexpected

We’ve all heard the expression: hope for the best but prepare for the worst. The truth is, we have no idea how things are going to end up. You could walk in to work tomorrow and be let go. You could also walk in to work and be given a huge raise. Always hope for good things to happen, but if in your budgeting you are only prepared for the best-case scenario, you’re setting yourself up for disappointment and some tough challenges ahead ...

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February 23rd, 2018 8:00 AM

Compound Your Efforts

Imagine for a moment that you and a sibling just had a very close family member pass away. In this person’s will they named you both as primary beneficiaries of their vast estate; however, unlike a simple will, you are given two options to chose from: ...

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February 16th, 2018 8:00 AM

Know Your Enemy

It seems to be an inherent human trait to always blame something external when things don’t go our way. Have you ever listened to someone who is clearly on their way to achieving their dreams? These individuals only blame themselves when something happens. ...

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February 9th, 2018 8:00 AM

The Snowball Effect

The snowball effect for paying off debt is a fantastic concept and very easy to understand. ...

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February 2nd, 2018 8:00 AM

Budgets Aren't Sexy, But They'll Get You There

What do you think about when you hear the word “Budgeting”? I gotta be honest, I’m not thinking “fun times” when I think about needing to budget. Sitting down to budget can be a daunting task sometimes. What I’ve found is that it’s really just a matter of committing to do it. ...

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January 26th, 2018 8:00 AM

The Cost of Your Dream

When was your last big road trip? My last trip was over 1000 miles. Before we left, my wife and I sat down and figured out which roads we were going to take and where we would stop for gas. We were prepared. ...

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January 19th, 2018 8:00 AM

Needs -vs- Wants

If you don't control your expense, your expenses will control you. One of my favorite books of all time: The Richest Man in Babylon speaks about controlling your expenses perfectly. Im going to simply quote from the book: ...

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January 12th, 2018 8:00 AM

Can I Afford This?

Have you ever gone grocery shopping while you were hungry? If your experience was anything like mine, then you ended up buying food that you normally wouldn't buy. After I got home, I immediately opened some of the crummy food that I had bought and began eating. Once I finished eating, I looked at all the food I bought and realized that not only did I buy a lot of bad food, but I had spent way more than what I should have. ...

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January 5th, 2018 8:00 AM

Who Has My Money

When you get paid, how much of it is yours to keep? I've asked that question several times and most of the time people respond by saying that everything they make is theirs to keep. Unfortunately, this isn't true. What are some of your largest monthly purchases: ...

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