DJD Financial coaching

05/13/2022

With the whole crease in cost for gasoline and food, now is the time to work on a budget. Give me a call, and I will work with you on your finances. This is a no cost service I am offering for the next week.
708-296-6190

03/19/2022

Free coaching session, call 708-296-6190 to book your appointment today. And yes, don’t buy an electric car and get yourself in debt.

02/14/2022

Anyone interested in a FREE coaching session ?

01/29/2022

1 in 4 people in the United States who have a credit card say they use credit cards to cover expenses they can't cover with cash.

If you can't cover the expense with cash, you probably can't make the next credit card payment either... and the cycle continues.

Credit cards are marketed to us as normal. Well, normal is broke. You don't have to be normal anymore. You can decide TODAY that you're done living paycheck to paycheck and payment to payment. You can decide that you want more for your future than worrying about money. You can decide to finally say enough is enough and begin to take CONTROL.

Draw a line in the sand and step forward into your new life. It's up to you, and you CAN do it. Start by making a budget and getting rid of expenses that you don't need. Put your focus toward saving a starter emergency fund of $1,000. Then, set that aside and begin working the debt snowball plan. For a short period of time, it will require a lot of sacrifice, but it will be worth it when you no longer owe a credit card company a single dime. Imagine the day when you actually get to KEEP your money instead of giving it away to minimum payments every month.

11/30/2021

Book you appointment now. 708 296 6190

financial coach

09/04/2021

Your monthly rent or mortgage payment should be no more than 25% of your take-home pay. Take-home pay is your income after taxes have been taken out.

My suggested 25% limit includes the principle, interest, taxes, and insurance on a mortgage, along with any monthly HOA fees.

A lot of people will be upset by this advice, but you don't get a pass on math because of where you live. I've seen people do a lot of stupid stuff with real estate, and I don't want you to be house poor.

If you don't make enough to live in an area where the real estate is expensive, that means you don't make enough to live in an area where the real estate is expensive... and that's OKAY. One day your math may look different, but if you're trying to fudge the numbers now, you'll regret it later when you have too much month left at the end of your money. Don't hurt yourself financially because you feel like you've got to try to keep up.

There are a LOT of real estate agents looking for a higher commission, and a lot of mortgage companies looking to lend you WAY more than what I'm advising. Don't take their word for it. Just because they're willing to lend you a high amount doesn't mean that's how much you should borrow. Do your own math and think about this in detail. I want you to own your home, NOT let your home own you. You need the other 75% of your take-home pay to cover the other areas of your budget and make progress toward your future. Owning your home and getting it paid off is a vital part of having a successful financial future.

Call us today. 708-296-6190

09/02/2021

Yep, student loan relief was extended again last month. But, just because you aren't required to make payments at the moment doesn't mean you shouldn't. If you CAN make the payments, this is the best time to keep making them! Each dollar you put toward your federal student loans right now goes straight to your principal balance which helps you pay it off SO much faster.

If you're currently working the debt snowball, and it's time to tackle your student debt, go for it. Put every extra penny you have toward those loans! Except for your $1,000 emergency fund, of course.

Call us today. 7082966190

07/11/2021

What is holding you back from scheduling a session with us?

06/09/2021

What are your financial goals for the rest of the year?

05/29/2021

Need to get your finances in order? Make an appointment today, we can help you with that. Call us today.

05/25/2021