REFLECTION LEADS TO CHANGE…

Michelle Jacobik Financial Wellness Leave a Comment

One of the most useful things we can do on our journey towards financial wellness is REFLECT. We all get in ‘over our heads’ for different reasons. For some of us, it’s childhood ‘lack’ and adult ‘gain’ that lead to …

RESISTANCE

Michelle Jacobik Financial Wellness

RESISTANCE: The law of physics says that for every ‘action’ there is an opposite ‘reaction’. If you learn to understand that this is so, your added awareness to the law of resistance, can help you hold stronger, as you walk …

WANT TO RAISE FINANCIALLY HEALTHY KIDS? GIVE UP IGNORANCE AND KEEPING UP WITH THE JONES’S…

Michelle Jacobik Financial Wellness

All of these are great to have but I’m an advocate for having what you need before having what you want. I teach my clients the tools of building and protecting the ‘4 walls’ (food – shelter- transportation- clothing) and …

7 Ways To Dump Debt Faster!

Michelle Jacobik Credit Card Debt 1 Comment

Many of my clients get a little frustrated at the timeline it may take them to pay off just one $6500 credit card balance and many have more than one balance to crush. A $6500 card balance with a 12.99% …

Budget Planner: How and why you should prepare the budget each and every month!

Michelle Jacobik Budgeting Leave a Comment

Whether you get paid weekly or bi-weekly, we all know that there are two magical times a year where an extra paycheck appears (or do we)? We also know that when we try to get serious about planning to pay …

The #1 Way to pay off your debts = Planning

Michelle Jacobik Budgeting, Financial Wellness

I teach my clients how to pay off their debt using the Debt Snowball approach. It’s the approach used to get through Baby Step Two of the Dave Ramsey “7 Baby Step Plan”— paying off all of your non-mortgage debt …

5 Key Ingredients to Financial Peace: Ingredient #4 Saving/Investing

Michelle Jacobik Credit Card Debt, Financial Literacy, Uncategorized Leave a Comment

I recently wrote about “ELIMINATING YOUR DEBT” # 3 of the FIVE key ingredients to Financial Peace and the recipe that I find most useful to get there. To recap here’s the full list of the 5 KEY Ingredients once again: …