Financial Fear No More! Three Steps Toward Financial Freedom
Your money challenges are very personal.


Your money challenges are very personal.
As we turn the corner into a new year, my biggest hope is that peace and happiness is in great abundance for each and every one of you and all those you love.
You know from years of hearing me invoke “People First, Then Money, Then Things” that I think there should be no bigger focus than building and nurturing that peace and happiness. But there is also always room to focus on the ways you can continue to build financial security in 2016. The progress you make on taking control of your money will, after all, bring even more happiness and peace into your life.
One of the hardest challenges managing your financial life is figuring out how best to juggle multiple goals. And one of the most vexing decisions is what to do if you have credit card debt and you have money sitting in your emergency savings fund.
As year-end approaches, I know that’s when plenty of you will be sitting down with your manager for a year-end review. I sure hope there’s a pay raise involved.
Given how stingy raises have been since the Great Recession, I want to make sure that you don’t blow it. Literally.