The day is here for the digital launch of my multi author book The Transformation Within. I would love and be honored for you to purchase a…

Do you know where your money is? Often, we have a general idea of our finances. We use what I call ‘sort of math.’ I sort of have an idea; I think I have around, etc. With so much email and regular mail being received daily, it is easy to…

The phrase “zombie debt” may conjure images of the undead, but in reality, it refers to any past debt that still haunts you. Maybe you paid a bill late one time and now you’re getting calls from a debt collector. Maybe you co-signed a loan for your brother, and now…

When it comes to financial planning, savings is a critical piece of the puzzle. That’s why National Savings Day is so important — it’s a time to focus on the importance of saving money and building a nest egg for the future. Saving money is important for a lot of…

“The Transformation Within: Words of Wisdom from a Collection of Coaches to Help You Win at the Game of Life.” Coaches of all kinds share their wisdom, methodology, and guidance for helping others improve their lives. The best part is that all book proceeds go to our charity, “Elimu Girls”. Elimu Girls is an organization that empowers girls from small rural villages in Kenya to become community leaders and entrepreneurs, ensuring financial freedom, self-worth, and equality.

New Youtube Video! 10 Things You Need To Checkoff Your Financial Planning Checklist Now! Subscribe and leave it playing in the background. More content coming soon. Help me get subscribers so I can reach more people.

Photo by Towfiqu Barbhuiya on Unsplash Question: How do you pay off credit card debt? Answer: To start it is important to know your credit card balances as well as what your minimum payment on each is. …

by Joey Ruffalo MBA-FP, J.R. Financial Coaching Limiting beliefs about money can be very detrimental to one’s success. These beliefs can hold you back from achieving your goals and reaching your full potential. To overcome these beliefs, it is first important to identify what they are. Once you know what…

What is the difference between a financial coach and advisor? If you’re looking to get your finances in order, a financial coach may be just what you need. A financial coach can help you create a budget, track your expenses, and save for your future goals. A financial coach is different than a financial advisor. …