Nationally about 30% of Americans keep a written budget each month. On the flip side, 76% of Americans live paycheck-to-paycheck.

What I have found is that those who are in debt don't keep a budget, while those who do are able to get out of debt and build wealth.

In this episode, I discuss what a Zero-Based Budget is, how it can help you get out of debt, and why it is an essential foundation to your personal finance plan.

In this episode, we discuss the differences between Dave Ramsey's debt snowball approach to eliminating debt and a chapter 13 bankruptcy approach, and what may be the best option for your situation.

Check out John Skiba's Financial Coaching page here --> http://DebtFree.Coach

Check out our online tutorials, forms, templates, and other debt fighting resources ---> http://Legal.Coach

No one wants to file for bankruptcy. But at times it is necessary. In this episode, I discuss the #1 thing I have seen in my time as a bankruptcy attorney that leads people to file and what you can do to avoid it.

Learn more about more about our forms, templates, and online tutorials for getting out of debt by clicking here -----> http://Legal.Coach

Learn more about John Skiba's financial coaching services by clicking here ------> http://DebtFree.Coach

Many, if not most, struggle with the morality of bankruptcy. In this episode, I discuss my thoughts as both an experienced bankruptcy attorney and a certified Ramsey Solutions Financial Coach.

Check out our forms, templates, and online tutorials ---> http://Legal.Coach

Dealing with serious debt problems requires some serious thought no matter what path you take.

Bankruptcy can take care of your debt but does it solve the underlying problem?

Check out our online tutorials, templates, and forms at http://Legal.Coach

In this episode, I discuss the "Pros" and "Cons" of Bankruptcy and Financial Coaching and how you can decide which option is best for your situation.

The typical divorce decree divides up the assets and the debts. Many people have a false sense of comfort in knowing that their ex-spouse was ordered to pay a particular debt.

Check out our online tutorials, templates, and forms at http://Legal.Coach

In this episode, I tackle debt myths related to divorce and why you may still owe more than you think.

In this episode, I continue with series on the debt/money myths discussed by Dave Ramsey in his book The Total Money Makeover.

Today we discuss whether it is a good idea to refinance your house or take out a Home Equity Line of Credit (HELOC) to consolidate your credit card debt.

Check out our online tutorials, templates, and forms at http://Legal.Coach

In Dave Ramsey's book The Total Money Makeover, he discuss various debt myths.

In this mini-series of The Consumer Warrior Podcast, I discuss the myth surrounding using debit cards for renting cars, hotels, and buying items online.

Get online forms, templates, and video tutorials to help you get out of debt. http://Legal.Coach

If you need to file for bankruptcy you have likely had the nightmares of your family being left broke and with all of your assets being seized.

Check out our online tutorials, free downloads, forms, and templates to help you get out of debt! http://Legal.Coach

One of the most common questions I get in my law practice is if you can keep your car when filing a chapter 7 bankruptcy. In this episode of the Consumer Warrior Podcast I share with you what happens to car loans in the bankruptcy process.

When debt becomes overwhelming it is really easy to just check out. That's why it is not surprising that families facing serious debt problems often don't have an accurate idea of what they owe.

In this episode we start with step #1 in the process of helping you eliminate your debt by walking you through the process of determining what you actually owe.

Bonus: I also share with you 3 apps that help with budgeting, investing, and correcting your credit report!