Reduce Debt Increase Wealth

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Everything start with a plan, saving for retirement, reducing debt, buying a home. Without a plan nothing will get completed on time or in the correct order. Mister Chuck will explain.

https://www.clevergirlfinance.com/blog/ten-steps-to-creating-a-solid-financial-plan/ 

https://www.wikihow.com/Write-a-Personal-Financial-Plan

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Mister Chuck discuss how to break bad spending habits. Identity what you are doing that is creating more debt and how to break that spending.

Article Links:
https://www.loanme.com/blog/the-seven-worst-bad-spending-habits-and-how-to-break-them By Ricky Baizas

https://www.everydollar.com/blog/create-better-spending-habits

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Finish with Christmas debt saving tips. Pay yourself first reason why to do this, then how to achieve on a regular basis. Setting up budget is easy, consider the reverse budgeting is the way to get started paying yourself first.

 ARTICLES LINKS:
https://www.investopedia.com/ask/answers/12/pay-yourself.asp By AARON LEVITT

https://www.nerdwallet.com/blog/finance/pay-yourself-first-reverse-budgeting-explained/ By Lauren Schwahn

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How much did you spend for Christmas was place on a credit card? Do you expect to pay this off in one month or longer? Want to avoid this same problem next year now is the time to plan and solve this yearly problem.

1 How long does it take to pay off

2 How to pay off faster

3 Plan for next year

 Article Links:

 https://www.marketwatch.com/story/heres-how-long-it-will-take-americans-to-pay-off-their-christmas-debt-2017-12-29 By Kari Paul

 https://www.investopedia.com/financial-edge/0113/how-to-pay-off-christmas-debt.aspx By ANGIE MOHR

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Contabout 15-day free trial review the program. I had no problems learning and using this program. Easy to use! Easy to figure out! A great program for the starting price of $ 9.99 per year.

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Mister Chuck goes over what to expect when buying your first home. What to do first when getting started.  From looking for a home, to making an offer to the closing. 

1. Intro
2. Review the process of buying a home
3. Summary

 Articles Links:

 https://www.zillow.com/home-buying-guide/10-steps-to-buying-a-home/

 https://www.discover.com/home-loans/articles/10-steps-to-buying-a-home/

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Mr. Chuck follows up on last episode with more information to help the new investors. Before getting started review why budget apps can help those with bad spending habits.

 What are the different market segments an overview nothing to deep. 

 Articles Links:

 https://awealthofcommonsense.com/2013/02/keep-investing-simple/ By Ben Carlson 

https://awealthofcommonsense.com/2015/03/whats-considered-long-term-in-the-stock-market/ By Ben Carlson

 https://etfdb.com/etf-education/the-10-sectors-of-the-stock-market By Justin Kuepper

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Getting started can be a hard decision as you save the money and really do not want to lose any. You may know some basic investing such as stocks, bonds, CD’s, money markets but not sure what to do or how to get started. 

Mister Chuck go over this to help you with investing where to start.

Articles Links:

https://www.annuity.org/financial-literacy/investing-for-beginners/

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Have you setup a budget using an app, but it still does not help you save more money. Mr. Chuck discuss why budgeting apps don’t work, then give you way to increase your savings. 

 1 Budgeting Apps not working

2 How to fix apps if that don’t work

3 Increase Savings

4 Overspending 

 Articles Links:

 https://blog.qubemoney.com/5-reasons-budgeting-apps-dont-work/ By  Jennifer Calonia |

 https://blog.qubemoney.com/6-causes-of-overspending-that-are-holding-you-back By Camilo Maldonado

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What are the budgeting benefits and is it worth the time and effort to setup a budget? Below are some links to worksheets to help you get started with setting up a budget. Mr. Chuck discuss these benefits and expands on why budget can help reduce debt, or increase investments.

 Article Links:

https://moneyandmountains.com/benefits-of-budgeting/  by Kathryn Mancewicz

https://thesavvycouple.com/benefits-of-budgeting/ by Brittany Kline

 pdf-1020-make-budget-worksheet_form.pdf

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