Chaos Free Money

Your friends and coworkers can help you achieve your financial goals. Have a “transformation conversation” with them to notify them of the change you want in your life. Share with them how you would like them to help you stay on Budget. Some do this via Social Media – “Loud Budgeting”

Change your “When will you start working on your personal finances” from tomorrow into today!
Let’s Talk (No cost or Obligation): https://calendly.com/chris-chaosfreemoney/lets-talk

Free Financial Peace University (FPU) for Veterans! (Click here: https://www.ramseysolutions.com/ramseyplus/financial-peace/veterans)

Would love to be your Coach! Let’s start with a no obligation coaching session: https://calendly.com/chris-chaosfreemoney/ramsey-coaching-session

There is a time for all your heart desires… but it’s after you are debt free and have your retirement funding set.

How do you « overcome »? It’s your Budget and I can help!!

Let’s Talk! https://calendly.com/chris-chaosfreemoney/discovery

Student Loan payments restart in 2 weeks!

With some simple but time tested techniques, together we can get your Budget ready… see link in comments to talk!

It’s a no obligation call so let’s talk! https://calendly.com/chris-chaosfreemoney/discovery

GET READY! Here are your first steps.

1) Know who services each of your loans. Start by finding your bills or logging in to your accounts. Then make a note of each provider. You free credit report can help.

2) Know how much you owe. Find your outstanding balance, interest rate and type of loan (Federal, etc) for each loan.

3) Know your monthly payment(s). Make sure you know your monthly payment for each loan, and check to see if the payment covers both the principal and interest. If it doesn’t, you’ll need to pay more than the minimum payment to actually make progress on your loan payoff.

Next post… Can I Consolidate or Refinance.

Let’s talk: https://calendly.com/chris-chaosfreemoney/discovery

When you sit down and write out a budget, you might just realize that things aren’t as bad as they seemed. A written plan erases confusion and gives you clarity to see a path forward. August is a brand-new month, and it’s right around the corner, so now is the perfect time to start. Let’s do this together (https://calendly.com/chris-chaosfreemoney/discovery)!

Make a free plan with Dave Ramsey’s budgeting app, EveryDollar.

Today is the best day to start working on your financial goals!!

Let’s talk! https://calendly.com/chris-chaosfreemoney/discovery

Let’s talk! It only costs your time! https://calendly.com/chris-chaosfreemoney/discovery

You will find the ears and heart of an empathetic, experienced Coach that has been through it all and made it out the other side… just to walk with you to and on your new road!

“Ask for help not because you’re weak, but because you want to remain strong.” – Leslie “Les” Brown

You can’t learn something new if you never ask someone to show you, so it’s not a sign of weakness. Research shows that high performers are more likely to ask their colleagues for help. They want to improve and know that asking for advice can boost personal performance.

Book a no obligation Discovery Session here!

Net Worth is what you own minus what you owe. What is your Net Worth? A Net Worth of $200,000 can be expected to generate ~ $667 per month before taxes assuming there is ZERO Debt.

Add in your Social Security and its still not enough to stop working, EVER!

Now is the right time to change your future!

Together, we can make good things happen! Start here: https://calendly.com/chris-chaosfreemoney/discovery

Does all your income go to paying your monthly expenses? Is there no money left after you pay the bills? Ready to take meaningful action to fix this forever for your family and your future with a Personal Financial Coach? Book a no obligation discovery call today by clicking the blue button on the upper right hand side of this page

Source:  Pymnts.com survey  https://www.pymnts.com/study/reality-check-paycheck-to-paycheck-inflation-income-consumer-finance-spending/

You are paying the minimum payment on your Credit Cards and every month you wonder when this will end!  Only one way out!  Get a coach that will be your support / wingman to get on a Budget, get a small emergency fund and quickly payoff Debt.

Going deeper… Banks make money paying depositors tiny interest rates and then loan that money to you via Credit Cards at huge interest rates.

One of the big banks asks you to pay a minimum payment of 1% of Balance + the Interest charged.

The math… On a $10,000 Credit card balance, assuming you pay the minimums and you stop using the card, you will pay it off in 30 yrs and have paid almost $20,000 in Interest!

Book your discovery session at www.chaosfreemoney.com

A corollary to  Brené Brown’s Quote… Practice does not make perfect, practice makes permanent!

Your budget is the engine that will help you pay off debt and then build both emergency and retirement savings.

Have also heard it as Clarity in Kindness.

Are you carrying the burden of your family’s finances?  Fearful of how tenuous your financial situation seems to be? Carrying all the weight and not being clear?

Or are you unaware of your family’s financial situation?  Maybe the family’s finances are just not clear?  You want to be a part but don’t know how to start?

A Personal Financial Coach can bring Clarity into your finances where you can share the effort, bring clarity and most importantly develop and achieve your goals and dreams. 

Ready to start?  Book your no-obligation ~30 minute Discovery Session via the blue box in the upper right of this page.

Fear can lead to Hopelessness – “having no expectation of good or success”
Fear can also lead to Action – “the accomplishment of a thing usually over a period of time, in stages, or with the possibility of repetition”

Where are you with regards to your Personal Finances?

I volunteer my time and energy to facilitate Dave Ramsey’s Financial Peace University (FPU)… I have seen 100’s of people walk in with Hopelessness all over their faces and in a few weeks Hope returns. The work is not done but there is hope that they can accomplish Financial peace over a period of time and in stages (also known as the 7 Baby Steps)

You can join my Virtual FPU classes on Wednesday or Sunday Evenings. Sign up at the links below:

The Wednesday class is at 7:15 PM Central starting 1/4/23   fpu.com/1157440

The Sunday class is at 7:00 PM Central starting 1/8/23   fpu.com/1156832

Hurry before they fill up.

DM or call to discuss the 6 Myths About Retirement and/or signup for my virtual Financial Peace University class that starts in January ’23 at fpu.com/1156832

Myth #1: I’ll Live Off Social Security Income
Myth #2: If I Invest Up to My 401(k) Match, I’ll Have Enough to Retire
Myth #3: I’ll Work Through Retirement
Myth #4: Medicare Will Cover My Medical Expenses
Myth #5: It’s Too Late for Me to Save for Retirement
Myth #6: I Can Do It on My Own

(source: https://www.ramseysolutions.com/retirement/want-a-secure-retirement )

YIKES! Black Friday in 2 days… Stay within your budget! 

Not on a budget?  Learn the how and the why of budgeting and Financial Peace by joining my 10th Financial Peace University virtual class by signing up at fpu.com/1156832

Sign up this week at the lowest price ever $59.99!

Starts 1/8/23 for 9 weeks for 45 minutes on Sunday evenings at 7pm Central

40 days until 2023! Get a jump start on that Financial Resolution.
Join my 10th FPU class virtually by signing up at fpu.com/1156832
Sign up this week at the lowest price ever $59.99!
9 weeks for 45 minutes on Sunday evenings at 7pm Central

Check out this article from MarketWatch – How a Connecticut pharmacist went from $230,000 in debt to $0 and changed his entire life… Living a simple life was the best for both his financial and mental well being!

Being debt-free was “the most incredible feeling I have ever felt in my life”

I can help you do the same!

https://on.mktw.net/3A2UpRr

I remember many years like this.

What advice would you give your past self?

Tired of fighting over your money… get on the same side with your spouse and learn how to work together and WIN!!! Now is the time to take back control of your money, and that starts by taking Financial Peace University.

Visit fpu.com/1155891 to join my virtual class starting Sunday, October 16, 2022, and start making your money work for you.

For 2+ Decades, be it work, Scouts, Band, Soccer, Financial Peace University and now Personal Financial Coaching, I have been using “Inspireyourpeople.com”‘s posters, thank you cards, etc. and took this as my personal & leadership motto:

“We’re here to make GOOD THINGS happen for other people”

Let me help you do GOOD THINGS, financially!

Lets work together to take some of the money chaos out of your life, reach your goals and bring a little hope!

Click to blue box in the upper right hand corner of this page to book a Discovery Session

Which step are you currently working on?

Happy with your pace of progress?

Would you like some help with that?

BABY STEP 1 – Put $1,000 in a beginner emergency fund.
BABY STEP 2 – Pay off all debt using the debt snowball.
BABY STEP 3 – Put 3–6 months of expenses into savings as a full emergency fund.
BABY STEP 4 – Invest 15% of your household income into ROTH IRAs and tax-favored retirement plans.
BABY STEP 5 – Save for your children’s college.
BABY STEP 6 – Pay off your home early.
BABY STEP 7 – Build wealth and give.

Click on the blue box in the upper right to book a no obligation Discovery session so we can get to know each other.