It’s time to stop thinking of college as a right and start to realize it’s a major purchase!

Michelle Jacobik Financial Wellness, Student Loan Debt

CHOOSING! For some it may not be an issue but for the average American family today, the cost of college has risen so high that the choice should not be easy. It should be a calculated decision process with finances …

How to use the ‘first car’ as a great financial lesson with your kids….

Michelle Jacobik Financial Wellness

My son revealed to me at age 14, that he wants his first car to be a Cadillac STS. My daughter wanted a Jeep. Some kids want BMW’s, Mercedes, Audi’s or Land Rover’s to drive but it doesn’t mean we …

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 …

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 Leave a 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 …

Current Student Loan Debt in The US is $1.3 TRILLION (and counting)

Michelle Jacobik Student Loan Debt

  How can this be? The student loan debt in the USA has creeped up to over a TRILLION DOLLARS and now we are starting to pay attention?! Many people sign up for college, knowing that to advance in careers …

Smart Dollar

Michelle Jacobik Financial Wellness

SmartDollar is a holistic approach to retirement education from Dave Ramsey. Let’s face it: Most employees aren’t even close to being on track for retirement. In fact, most employees aren’t even thinking about it. SmartDollar teaches your employees to proactively …