New Hope Financial

01/09/2020

Baby Step 3- saving 3-6 months of household expenses for a fully funded emergency fund.

All your debt is paid off except your house and there’s some breathing room. This step is crucial for your overall financial wellness.

For example: if your household expenses(including mortgage payment) are $2k/month.....that means your goal would be to save roughly $6k-$12k. Work this baby step with the same intensity as Baby Step 2.

This emergency fund gives you security. Knowing that when life does happen, you are fully capable of cash flowing an emergency.......like if your vehicle breaks down, your washer or dryer go out, unexpected doctor visits, your family suddenly needs you and you have to travel.

With the FF emergency fund, it becomes more of an inconvenience than an emergency🚨. There’s peace a peace in your family and in your heart and you don’t have to worry about where the 💵💵 will come from. You’ve worked so hard to get to this point and now it’s time to breathe a little bit! ☺️

01/08/2020

Baby Step 2- Pay off all your debt except your house.

This step is fun! This is where you get to create freedom in your life and give you and your family options. Here’s how you do it!

List all your debts smallest to largest and attack the smallest one first with a vengeance while still making minimum payments on the others.

Once the smallest one is paid off, add that payment to the next smallest one until it’s paid off. Continue that method until all of your debt is gone. This will create a snowball affect and allow you to gain the momentum that is needed to eliminate debt from your life!

This is also where you decide to change your family tree👨‍👩‍👧‍👦🌳. When you decide that you don’t have to be broke anymore and that debt is only hindering your dreams, you realize that your dreams are possible! Without debt in your life, you have options, not obligations.

Go for it! Pay off your debt and don’t look back! The freedom that comes with having the money that YOU EARN freed up, is an amazing feeling! 💯

If you have any questions or want some encouragement in this area, feel free to contact me for a complimentary coaching session! ☺️

01/07/2020

Baby Step 1-Saving $1000 as a beginner emergency.

Below⤵️⤵️, are some tips on how to earn that $1k quickly!

~sell unused or unwanted items.
~temporarily work a part time job.
~start a small business if one of your hobbies is something you enjoy doing.
~work some extra hours at your current job to achieve this short term goal.

There are many ways people can earn extra money, do what works for you. The main goal to getting $1000 on hand is to give you a little breathing room if an emergency comes up during Baby Step 2.

01/06/2020

Happy New Year to you! If you have made a New Years resolution(I call them commitments) to gain control of your finances, then take a look at these steps below! These steps have helped millions of families take control of their money and it can certainly help you too!

You CAN take control of your money! You just need a plan to help you get there.

What Baby Step are you currently on?

11/04/2019

The holidays are a time for family gatherings, fun, and excitement! ☺️

Also, the holidays can sometimes bring stress, worry, and anxiety....😔

The good news is, it doesn’t have to be this way! With New Hope Financial, I help people understand their behavior with money so they no longer have to worry about their money problems, especially this time of year. 🙌🏼🙌🏼

If you want to stop worrying about money during this holiday season, contact me and let’s set up your complimentary discovery session!

10/14/2019

CASH IS KING! 🤴🤴

Small story, but impactful nonetheless! 👇🏼👇🏼

I went into one of our local auto parts stores to get a taillight for my wife’s car. Sign on the door says ‘cash only sales.’

Within the 10 minutes that I spent in the store, 4 customers had to walk out because they didn’t have any cash. They couldn’t purchase their items because the system was down. I, however, was able to pay for my items because I use mostly cash for everything. On VERY rare occasions I don’t have cash.

Today, I’m thankful for having cash on me and for developing a lifestyle that is centered around paying cash for things.

Question for everyone......have you ever ran into a situation to where you couldn’t pay for something because you didn’t have cash on hand?

Share your story in the comments! ⤵️⤵️

10/14/2019

10/10/2019

Something to think about! 🤔

10/08/2019

So, I have been asking this question to a few of my friends already, and now I’ll ask it here!

If there’s one thing you could change about your personal finances, what would it be?

Below are a few options to help you think it through.

Save more money?
Stop using credit cards?
Get rid of student loans and other debt?
Save $$$ for a house?
Give more?
Fund retirement?

Whatever the reason is, I want to encourage you to take a step out and start pursuing that change. Change leads to growth, and growth leads to wisdom.

78% of Americans live paycheck to paycheck, and that’s not ok! But it doesn’t have to be that way, and I can show you how. My goal is to restore a HOPE and a future in the lives of many Americans. I can help you build a budget, get out of debt, and begin to save for the future of your dreams.

10/03/2019

Got my New business cards in the mail today! 😍😍

If you haven’t yet, check out my New website below! ✔️💯

https://ramseycoach.com/nhfinancial

10/02/2019

Hello everyone! It’s been a while, I hope you’re all doing well!

I’m still here, I’m still coaching. This past year and half has been a crazy ride. Some challenges have presented themselves, but also some very good things have been happening as well! 👌🏽

With that said, in the next few days I will be relaunching this FB page with a New name, New website, New logo and a.....NEW HOPE! 🙌🏼🙌🏼

In the meantime, check out my new website and share it with your friends and family if you think they can benefit from it! ⏬⏬

https://ramseycoach.com/nhfinancial

Thanks a bunch!

Chase

78% of Americans live paycheck to paycheck, and that’s not ok! But it doesn’t have to be that way, and I can show you how. My goal is to restore a HOPE and a future in the lives of many Americans. I can help you build a budget, get out of debt, and begin to save for the future of your dreams.

01/11/2018

Are you in the majority? Are you ready to do something about it? I can help you!

A majority of Americans feel they've dug a financial hole so deep they'll never get out of it.