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Money is important in everyone’s life let us ask the tough questions about personal finance. Knowing the answers will help in the long run to manage finances and make life better.  That is what life about staying focus and ahead of finances.

Article Link
https://www.createcultivate.com/blog/money-questions-to-ask-yourself/
https://www.careercontessa.com/advice/scary-money-questions/

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 What is the difference between debt reduction plan and debt management plan both are the same in most cases. Debt management plan for most is a  professional counseling person working to help reduce debt. It not always the best way to go as fees are paid. Instead I think a debt management plan is for those whose do not have a debt problem but looking forward before taking out loans to be sure the payment can be made. Debt reduction plan is the process to take to reduce debt the best way. 

 Article Link
https://www.consumerfinance.gov/about-us/blog/how-reduce-your-debt/ By Courtney-Rose Dantus
https://www.debt.org/management-plans/ 

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Doing a budget requires some type of written document. Using a computer spreadsheet to do the math makes this a straightforward process. How to set up a budget on a spreadsheet and how to categorize expenses.

Article Link:

https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/creating-a-budget 

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

 https://happygiraffe.org/2022/07/getting-started/

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How to set up tracking categories to be in same order of the budget. The tracking program has categories list different than the budget categories. I found a way to make these match to make budgeting easier. What is the number one thing keeping most people from building wealth. 

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It may seem like no progress is being made on reducing debt, but at this stage it is a slow process. Once quit using credit, identify items to cancel made those tough choices it’s a waiting game for cash to increase. It starts out very slow so do not give up stay focus on what the objective reducing debt. Understanding how the debt got out of control is important to getting out of debt. 

 Article Link:

https://www.investopedia.com/articles/pf/12/the-debt-spiral.asp By Lisa Smith

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Reducing debt requires making some tough choices, what to get rid of or quit paying for which services. This is key if money is not available then it will be difficult to reduce debt. 

Article Link:
https://www.foolproofme.org/articles/332-strategies-for-saving-more?gclid=Cj0KCQiAzeSdBhC4ARIsACj36uEZ0AZ6qjSziBuzEe-cjhau9PygoL6KtkfaOp3CRKA2xasNb6AhwDYaArh9EALw_wcB  By Remar Sutton

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Getting started reducing debt is the hardest part of this program. Why is that, because first must recognize the problem and how to fix the problem. Second is just finding ways to start and quit using debt. 

Article Link

https://money.usnews.com/money/personal-finance/debt/articles/easy-ways-to-pay-off-debt By Emma Kerr

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Why is emergency fund important? How to get started funding and is there the need to increase the balance for inflation. This is only one thing needed to build wealth or reduce debt. What other things are needed  to be done to achieve financial wealth. 

 Article Link:

https://www.consumerfinance.gov/an-essential-guide-to-building-an-emergency-fund/

 https://www.nerdwallet.com/article/banking/emergency-fund-why-it-matters by Margarette Burnette

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Building credit can be difficult if don’t know how and what to do. Those having bad credit can rebuild credit in the process of paying off credit card debt. 

 Article Link:

https://www.bankrate.com/personal-finance/credit/how-to-build-credit/ By Nicole Dieker
https://www.nerdwallet.com/article/finance/raise-credit-score-fast By Bev O’Shea

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Keeping a budget and knowing when and where your money is going is key in keeping debt under control. It also important to know when and where money is going to help with the timely payments. 

 Article Link:

https://www.personalfinancelab.com/finance-knowledge/personal-finance/budgeting/ By Kevin Smith

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