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Christmas is not far off, now the time to set aside money for your Christmas shopping.

 Article Links:

 https://www.moneycrashers.com/create-holiday-budget/ By Amy Livingston

All episodes are now on Facebook  go to ReduceDebtIncreaseWealth.com in Facebook and look to the podcast tab.

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When your income is too low the need for a new job is required. What are the job interview questions and how to handle is covered in the episode.

 Article Links:

https://www.indeed.com/career-advice/interviewing/top-interview-questions-and-answers By: Indeed Editorial Team

https://www.themuse.com/advice/51-interview-questions-you-should-be-asking  By The Muse Editor

All episodes are now on Facebook  go to ReduceDebtIncreaseWealth.com in Facebook and look to the podcast tab.

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What to know before investing in the stock market, the basics that are important.
 
1.Assets Classes
2.Diversification

Article Links:

https://corporatefinanceinstitute.com/resources/knowledge/trading-investing/asset-class/ 

https://www.nerdwallet.com/article/investing/diversification By Tiffany Lam-Balfour, James Royal, Ph.D., Elizabeth Ayoola

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Spending habits some are good, but most are bad. Mister Chuck discuss this topic and how to break these bad habits.
A. Good Habits
B. Avoiding Bad habits
Article Links:
 https://www.mentalfloss.com/article/532663/9-good-money-habits-you-can-form

https://www.developgoodhabits.com/good-financial-habits/

https://www.frugalconfessions.com/spend-less/list-of-spending-habits/ By Amanda L Grossman

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If you are self-employed or thinking about starting your own business here how you should do a budget. Included are the percentages for each category to consider when reviewing your monthly budget.

Article Links:

https://www.gobankingrates.com/saving-money/budgeting/recommended-budget-percentages/ By Kathy Evans

https://www.thebalance.com/how-to-figure-out-budget-percentages-for-money-goals-4171689 BY REBECCA LAKE

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What is personal finance? Why personal finance is important, and how does it affect everyone's  life. This episode Mister Chuck goes over the basic things that personal finance includes.


Article Links:
 https://www.investopedia.com/terms/p/personalfinance.asp By WILL KENTON

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Budgeting is not all that hard; it is easy after understanding the basic concept. It is a plan for your money nothing else. Failing to plan is planning to fail.
Budget Categories
1.Housing
2.Transportation
3.Food & Dinning
4.Entertainment
5.Cloths
6.Savings
Article Links:

https://mint.intuit.com/blog/budgeting/tips/

 https://bethebudget.com/budgeting-tips/

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A plan is needed to reduce debt. No matter how much is owed or the number of credit cards or loans. A plan will help organize all debt and determine the order of payment.

 1.Create Budget
2.List All Debt
3.Stop Creating New Debt
4.Put money into Emergency Fund (Saving Account)
Article Links:
https://www.investopedia.com/best-debt-reduction-software-4844305 By HOLLY JOHNSON

https://dfi.wa.gov/documents/financial-education/budgeting/debt-reduction-plan.pdf

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A simple approach to getting a financial plan in place. Financial plan will help track goals, set spending limits and get an emergency fund into place. Financial plan help identify your short comings with finances and directs movement to a better place. 

Article Links:

https://www.schwab.com/resource-center/insights/content/10-steps-to-diy-financial-plan By Carrie Schwab-Pomerantz

https://savology.com/6-benefits-of-financial-planning By Sam Jones AFC

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Types of bankruptcy and what the requirements may be to file and get bankruptcy relief. Note I am not an attorney, and this is not legal advice

.Articles Links:

https://www.credit.com/debt/filing-for-bankruptcy-difference-between-chapters-7-11-13/ by Gerri Detweiler

https://www.creditkarma.com/advice/i/chapter-7-bankruptcy-means-test By Lance Cothern, CPA

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