Stem the Tide Financial Coaching

Stem the Tide Financial Coaching Money impacts everything. Managing your money well provides options. You are not alone with your financial challenges.

Book an appointment and get started today with a dedicated person that will help you figure out how to address immediate financial concerns and chart a course to financial stability. As a Dave Ramsey Trained Master Financial Coach, my mission is to meet you where you are in your finances, listen and understand what your goals are, and guide you through a plan to get debt free, achieve those goals,

and obtain financial peace. I help people evaluate their finances, change their relationship with money and accomplish their financial goals by creating a spending plan, identifying ways to reduce expenses, providing regular meetings for review and accountability, and changing their behavior so that they can pay off their debt, build wealth, and invest for the future. I can help you TODAY if you are suffering from financial pain to overcome the situation. Your past does not have to define your future.

06/04/2022

The average new car loan payment is $500 per month and that brand-new car loses a huge chunk of value the moment you drive it off the car lot. Your value as a person is not measured by the type of car you drive.

06/03/2022

A credit score is NOT an indication that you are doing well financially. A credit score is based only on the amount of debt you have and is not impacted by how much money you have saved, your income, or your investments. In other words, it is a "I love debt" number.

06/02/2022

What happens to your student loans if you drop out of college? They don't just go away! Depending on when you drop out and the school's policies, you may have to pay back a portion of your student loan in addition to the cost of your tuition.

06/02/2022

Paying back student loans always takes more time than you think and costs more money than you want to spend. Choosing to use student loans could result in paying for the college experience for a decade or more.

05/26/2022

What if you end up with a negative number? Eck, right? It’ll be okay. You just need to cut expenses until your income minus your expenses equals zero. (Hint: Start with those eating out and entertainment budget lines.

05/25/2022

Okay, though, what do you do if you subtract your expenses from your income—and you’ve got money left over? Don’t leave it there. Get those dollars to work by putting any “extra” money toward your current money goal.

05/24/2022

It also doesn’t mean you blow all your money. Zero-based budgeting just means you give every dollar a job to do: spending, giving, saving or paying off debt. It’s all accounted for and given a purpose. You work hard for your money, right? Well, it should work hard for you! Every. Single. Dollar.

05/23/2022

Subtract all your expenses from your income. This number should equal zero. This is key: A zero-based budget doesn’t mean you let your bank account reach zero. Leave a little buffer in there of about $100–300.

05/22/2022

Cover your Four Walls. That’s food, utilities, shelter and transportation. Make a budget category for each of these and create budget lines underneath for your specific expenses.

05/21/2022

Next, budget for your savings goals, like an emergency fund. You've got to pay yourself first before you pay everyone else!

05/20/2022

Now that you’ve planned for the money coming in, you can plan for the money going out. It’s time to list your expenses! When you’re making a budget, before you put in all the things you’ll pay for this month, set aside money for giving. "The Lord loves a cheerful giver" (2 Corinthians 9:7)

05/19/2022

Income is any money you plan to get during that month—that means your normal paychecks and any extra money coming your way through a side hustle, garage sale, freelance work or anything like that.

Address

Browns Summit, NC
27214

Opening Hours

Monday 7pm - 9pm
Wednesday 7pm - 9pm
Friday 7pm - 9pm
Saturday 9am - 2am

Telephone

+16096613855

Website

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