I Was Broke. Now I'm Not!

NEED YOUR HELP - Writing A High School Money Book - Part 6

joe@iwasbrokenowimnot.com (Joseph Sangl) — Wed, 03 Jun 2009 11:38:01 PST

I announced HERE that I am in the process of writing my next book. It will be a book that is addressed to high school students, and I am sharing 12 Things I Wish I Had Learned About Money Before I Hit The Real World.

That is not necessarily the title, and it might end up being...

NEED YOUR HELP - Writing A High School Money Book - Part 5

joe@iwasbrokenowimnot.com (Joseph Sangl) — Thu, 28 May 2009 05:30:06 PST

NEED YOUR HELP - Writing A High School Money Book - Part 4

joe@iwasbrokenowimnot.com (Joseph Sangl) — Tue, 26 May 2009 14:16:27 PST

NEED YOUR HELP - Writing A High School Money Book - Part 3

joe@iwasbrokenowimnot.com (Joseph Sangl) — Fri, 22 May 2009 08:51:04 PST

NEED YOUR HELP - Writing A High School Money Book - Part 2

joe@iwasbrokenowimnot.com (Joseph Sangl) — Thu, 21 May 2009 13:45:50 PST

NEED YOUR HELP - Writing A High School Money Book - Part 1

joe@iwasbrokenowimnot.com (Joseph Sangl) — Wed, 20 May 2009 06:24:31 PST

I do not know what the title will be yet, but it will be something like:

12 Things I Wish I Had Learned About Money Before I Hit The Real World

It is our passion to help others accomplish far more than they ever thought possible with their personal finances. In I Was Broke. Now I'm Not. (and its...

What To Do When You Are In A HUGE Financial Mess

joe@iwasbrokenowimnot.com (Joseph Sangl) — Mon, 02 Mar 2009 10:23:37 PST

I have met a ton of people who are experiencing the harshness of the following two key items:

* No Plan, No Savings, Piles of Debt
* Loss/Reduction of Income

Here is what you can do when faced with this situation.

1. Cry. It is OK to be regretful for awhile!
2. Take time...

How Many Times Must I Hear

joe@iwasbrokenowimnot.com (Joseph Sangl) — Sun, 01 Mar 2009 15:40:42 PST

I heard several times that Crocs were great shoes. I finally heard it enough that I bought a pair. They are great! So great that I wear them everywhere. Including to Iowa in January in snow. When I finally tried out a pair, I thought, "Why didn't I listen and take action earlier?"

I...

SERIES: How Do I Build My Credit? Part 4

joe@iwasbrokenowimnot.com (Joseph Sangl) — Mon, 16 Feb 2009 07:54:29 PST

"How do I build my credit?"

This is one of the most common questions I am asked. In this series, I will be sharing various ways that one can build credit while still winning with money.

Part Four - Understand Why Credit Scores Are Necessary

What is the number one...

SERIES: How Do I Build My Credit? Part 3

joe@iwasbrokenowimnot.com (Joseph Sangl) — Sun, 15 Feb 2009 07:04:24 PST

"How do I build my credit?"

This is one of the most common questions I am asked. In this series, I will be sharing various ways that one can build credit while still winning with money.

Part Three - Pay All Bills On Time - Consider Automatic Bill-Pay

If you do not...

SERIES: How Do I Build My Credit? Part 2

joe@iwasbrokenowimnot.com (Joseph Sangl) — Fri, 06 Feb 2009 06:39:46 PST

"How do I build my credit?"

This is one of the most common questions I am asked. In this series, I will be sharing various ways that one can build credit while still winning with money.

Part Two - Swipe Purchase And Immediately Pay Off

A great way to boost one's...

SERIES: How Do I Build My Credit? Part 1

joe@iwasbrokenowimnot.com (Joseph Sangl) — Thu, 05 Feb 2009 07:16:19 PST

"How do I build my credit?"

This is one of the most common questions I am asked. In this series, I will be sharing various ways that one can build credit while still winning with money.

Part One - What Determines My Credit Score?

It is important to first understand...

Skiing At Copper Mountain, Colorado

joe@iwasbrokenowimnot.com (Joseph Sangl) — Tue, 03 Feb 2009 05:54:37 PST

I had the outstanding opportunity to go skiing on Friday before the Financial Learning Experience in Cheyenne, Wyoming.

I went skiing at Copper Mountain in Colorado, and it was INCREDIBLE! Over a foot of fresh snow over the past week had fallen, and the slopes were in terrific...

Crocs Do Not Work Well In Snow

joe@iwasbrokenowimnot.com (Joseph Sangl) — Mon, 02 Feb 2009 13:42:52 PST

I recently spoke in Ottumwa, Iowa.

I was there to teach the Financial Learning Experience at thebridge church (pastor is Marty Schmidt).

I learned a lot about Ottumwa, Iowa.
* It is the hometown of Radar from M.A.S.H. and Tom Arnold
* It is about 1.5 hours south and east...

0% Credit Card Transfer Story

joe@iwasbrokenowimnot.com (Joseph Sangl) — Thu, 29 Jan 2009 12:49:11 PST

A person who recently attended a Financial Learning Experience e-mailed me the following question:

I had the privilege of hearing you speak both during the message and the class that followed. My wife and I are committed to eliminating our debt. With that in mind, I have a question. I have three credit cards one for 6,000.00, one for 1956.00 and one for 5775.00 I am paying high interest rates 27.98, 24.00 and 20.4% respectively.

I tried to reduce my rates, but they were unwilling and the reality is that I don't get [0%] offers in the mail anymore.

I...

Official Marathon Time: 3:55:40

joe@iwasbrokenowimnot.com (Joseph Sangl) — Tue, 20 Jan 2009 12:57:29 PST

I was able to achieve my goal of completing the marathon in under four hours!

I am PUMPED! More to follow in the next week on the similarities between finances and marathons.

Read recent posts

SERIES: Helpful Real Estate Sites - CNNMoney.com

joe@iwasbrokenowimnot.com (Joseph Sangl) — Mon, 12 Jan 2009 11:47:50 PST

Welcome to the latest series - "Helpful Real Estate Sites".

It is my hope that this series will equip you with new information that helps you make excellent real estate decisions!
It is my hope that this series will equip you with new information that helps you make excellent real...

SERIES: Helpful Real Estate Sites - Zillow.com

joe@iwasbrokenowimnot.com (Joseph Sangl) — Wed, 07 Jan 2009 07:12:35 PST

Welcome to the latest series - "Helpful Real Estate Sites".

It is my hope that this series will equip you with new information that helps you make excellent real estate decisions!

Part Two - Zillow.com

This is another way to research homes that are for sale in your area.

I...

SERIES: Helpful Real Estate Sites - Realtor.com

joe@iwasbrokenowimnot.com (Joseph Sangl) — Tue, 06 Jan 2009 07:37:06 PST

Welcome to the latest series - "Helpful Real Estate Sites".

It is my hope that this series will equip you with new information that helps you make excellent real estate decisions!

Part One - Realtor.com

I have used Realtor.com to find each of the four houses that I have...

Credit Card Rule Changes

joe@iwasbrokenowimnot.com (Joseph Sangl) — Wed, 31 Dec 2008 06:34:02 PST

The Federal Reserve Board has implemented some substantial rule changes that govern how credit card companies interact with cardholders.

I am PUMPED about some of the rules changes, but I am disappointed that most of these will not be implemented until July 2010.

Here are some...