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4 Ways Middle-Income Families Are Coping With Inflation

February 25, 2023 by Brett Tams

As the reality of higher prices sinks in, Americans are taking action.

Posted in: Mortgage Tips Tagged: 2, 2017, 2021, 2022, action, All, Bank, before, Budget, Budgeting, budgets, car, Car dealership, couple, Credit, credit cards, data, decades, Economy, Fall, Financial Wize, FinancialWize, future, great, groceries, Income, Inflation, interest, interest rates, jump, Learn, Make, money, More, new, News, plan, Planning, plans, podcast, Prices, protect, Purchase, Rates, ready, Recession, restaurant, save, Save Money, sinks, Spending, survey, takeout, Technology, time, tips, Ways to Save, will, woman, work, workers

2018 Top 10 Award Winner: John Martinez

February 18, 2023 by Brett Tams

2018 Top 10 Award Winner: John Martinez! This is episode #406, and my guest today is John Martinez. Whether you know John yet or not, you’re in for a very special treat today. John has evolved as the nation’s leading sales trainer for real estate investors, and today is shares some amazing techniques with us so you can take your business to a whole new level!

Posted in: Small Business Tagged: 2016, 2017, 2022, acquisition, acquisitions, action, active, actual, advice, agents, All, Appreciate, archives, ask, automation, bedroom, Bedrooms, before, big, build, Built, business, Buy, Buying, car, Car dealership, Career, carpets, chance, company, construction, cost, country, couple, CRM, data, Deals, decision, decisions, double, driving, education, Employment, estate, event, expectations, experience, Expert Interviews, experts, Fall, Financial Wize, FinancialWize, Free, fruit, funnel, funny, General, get started, gig, Giving, good, Google, great, guest, guests, hold, house, How To, impact, improvement, improvements, industry, Insurance, internet, Investing, investment, investors, items, job, jump, Lead Generation, Learn, learned, legacy, lessons, library, Life, Live, love it, Make, making, man, market, Marketing, Midwest, mindset, money, More, Motivation, Move, needs, new, offer, offers, office, Other, paint, Personal, place, points, pressure, pretty, property, quality, Quick Tips, random, Rates, reach, ready, Real Estate, Real Estate Investing, Real Estate Investing Secrets, real estate investment, real estate investor, Real Estate Investors, Recruiting, reminder, Review, right, risk, ROI, room, running, sales, search, second, secrets, Sell, seller, sellers, selling, shares, short, Side, simple, social, Software, space, Spending, Starting Out, student, Technology, time, timing, tips, tools, traditional, tricks, trust, under, update, versus, walking, will, work, wrong, youtube

How to negotiate when you hate negotiating

February 15, 2023 by Brett Tams

In an ideal world, you wouldn’t need to go negotiate. In an ideal world, the weather would be perfect, there would be no war, and your employer would simply say, “Hey, your value to our company has increased. Here’s ten thousand dollars.”

If only, right? When it comes to earning more, negotiating is usually a necessary part of the equation. The negotiating masters among us have a serious leg up.

I do not have a leg up. In most circumstances, I dread negotiating. I’d rather watch paint dry than negotiate. I’d rather eat a chard smoothie. I’d rather give someone a ride to the airport at 8am on a Monday.

Posted in: Mortgage Tips Tagged: advice, All, ask, author, before, big, Budget, business, buyer, Buying, car, Car dealership, Career, Choices, comedy, company, Compensation, couple, decision, discounting, earning, education, employer, experts, Fall, finances, Financial Wize, FinancialWize, Frugality, General, goal, goals, good, great, habit, haggling, helpful, Helpful Advice, Hints and Tips, How To, how to negotiate, HR, impact, Inflation, job, language, Life, low, Make, making, market, Mint, money, Money Hacks, More, more money, Mortgage, negotiating, negotiation, new, News, offer, Other, paint, party, percent, Personal, personality, pie, points, Psychology, questions, Raise, rate, Rate Hikes, Rates, Real Life, Relationships, Rent, Research, Revenue, Reverse, Reviews, right, room, Salary, salary negotiation, save, School, Self-Improvement, seller, Side Hustles, simple, story, time, timing, tips, used car, value, war, warranty, weather, will, work, wrong

Why I Went With A Credit Union Over A Bank

February 12, 2023 by Brett Tams

The following is a partnership with SELCO Community Credit Union on the benefits of credit unions, and why I went with a credit union over a bank. All opinions are 100% my own. There are many benefits of credit unions such as lower fees, lower loan rates, and more. Today, you’ll learn about why you […]

The post Why I Went With A Credit Union Over A Bank appeared first on Making Sense Of Cents.

Posted in: Money Tips Tagged: 2021, advice, All, app, apple, apple pay, ATM, Bank, Banking, banks, bed, Benefits, big, bills, Budget, Budgeting, business, car, Car dealership, car loan, cents, Convenience, country, Credit, credit union, data, decision, deposit, experience, Expert advice, Family, Fees, financial journey, Financial Wize, FinancialWize, Free, Giving, home, Insurance, interest, interest rate, interest rates, Investing, journey, Learn, Life, Live, Living, loan, loan interest, Loans, Local, LOWER, Make, making, Media, mobile, Mobile App, money, More, Mortgage, needs, new, offer, offers, Online Banking, Oregon, Other, parents, pay bills, Personal, place, Popular, pretty, products, rate, Rates, return, routine, savings, Savings Account, shopping, Small Business, Spending, time, tips, title, tools, tracking, Transaction, Video, will, working

So I Bought an Electric Car…

February 8, 2023 by Brett Tams

Before we begin, I should probably admit that the Mustache family absolutely did not need a new car. Or even a new used car. In fact, we didn’t even need the two older used cars that we have been keeping around for the last five years, because our local life has blossomed so nicely in this small […]

Posted in: Money Tips Tagged: 2, 2016, 2021, 2022, affordable, air, air travel, All, Amazon, android, app, art, ask, at home, average, balance, Bank, bed, before, big, bikes, biking, black, Blog, bmw, brown, build, business, Buy, Buying, cabin, california, camping, car, Car dealership, car loan, cars, categories, cents, Choices, city, clear, color, Colorado, Commercial, commutes, company, cost, country, couple, craigslist, crash, Credit, credits, data, decision, Deductible, design, Discounts, Downpayment, Drivers, drives, driveway, driving, Economy, efficient, electric, electric car, electric cars, employer, energy, existing, expensive, experience, Family, Finance, Financial Wize, FinancialWize, financing, floor, flooring, Ford, front, fuel efficiency, fun, future, garage, gas, gas prices, General, Getting Started, gm, good, grace period, graph, great, heat, history, home, hours, house, improvement, Income, install, Insurance, interest, interest rate, Investing, investments, iPhone, kids, Life, list, Live, loan, Local, low, LOWER, lyft, Main, maintenance, Make, making, market, miles, MMMLabs, model, modern, money, More, natural, needs, new, office, Original, Other, parachute, patterns, payments, Personal, premium, present, pretty, Prices, profit margin, questions, quiet, rate, Rates, Real Life, Rentals, Review, right, running, sales, save, savings, science, search, seating, second, shopping, solar panels, Spending, state tax, tax, tax credit, tax credits, tax deductible, tax time, Technology, Tennessee, Tesla, The MMM Blog, time, town, Transportation, Travel, Uber, under, update, upgrade, used car, value, vehicles, Video, warranty, wealth, will, winter, work, youtube

The Cheap Ticket Into the Elite Class

February 7, 2023 by Brett Tams

If you ask a modern member of today’s American Elite to review Mr. Money Mustache’s childhood and educational history, the report would probably come back dripping with sympathy and disdain. I went to public school (the only school, really), in a lower-middle income small town. I didn’t join many extracurricular activities or attend any private […]

Posted in: Education, Money Tips Tagged: 2016, ad, All, Amazon, app, apple, ask, author, average, Banking, big, book, Budget, builder, building, business, Buy, car, Car dealership, Career, cars, chalk, Children, city, cleaning, College, company, cost, country, craigslist, creativity, decades, deliveries, donations, earnings, East Coast, Economy, education, energy, estate, expense, expenses, expensive, experience, Family, finances, Financial Wize, FinancialWize, foundation, freedom, funny, gadget, garage, gas, gift, Giving, good, Google, great, Happiness, harvest, history, home, hours, house, house cleaning, How To, ideas, Income, industry, inequality, inheritance, international, internet, internet access, inventory, jobs, kids, Learn, lessons, Life, Lifestyle, list, LOWER, Luxury, Make, making, Making Money, market, Media, minimal, minimum wage, Mistakes, modern, money, More, more money, Move, multiply, Music, new, offer, opportunity, organize, Other, Parenting, parents, Personal, place, pool, present, ready, Real Estate, Rent, repair, Research, resolution, resume, retirement, return, Review, Reviews, rewards, rich, right, School, school district, second, Sell, shopping, shortage, single, skill, society, Software, space, Spending, Sports, storage, story, student, students, swimming, Technology, The MMM Blog, time, town, traditional, tuition, tv, vacation, value, Video, volunteer, wealth, Websites, Wedding, WiFi, will, work, working

How Much Car Can You Afford? [Steps w/ Calculator]

February 5, 2023 by Brett Tams

If you’re not careful, you can wind up paying more than a car is truly worth – or paying more than you can afford. Use these smart tips to figure out how much car you can afford.

The post How Much Car Can You Afford? [Steps w/ Calculator] appeared first on Good Financial Cents®.

Posted in: Mortgage Tips Tagged: 2, 2021, 2022, AAMS, Accredited Asset Management Specialist, ad, advisor, affordability, All, analysis, author, Auto, auto insurance, average, banks, before, big, bills, Blog, blue, bonus, book, Borrow, Budget, business, Buy, Buying, calculator, car, car buying, Car dealership, Car Insurance, car loan, cars, cents, childcare, color, commission, Credit, custom, data, Debt, disclosure, entry, expenses, experience, Featured, Finance, finances, Financial Advisor, Financial Freedom, Financial Wize, FinancialWize, fixed, food, four steps, freedom, gas, goals, good, Google, green, health, Health Insurance, home, household, household income, Illinois, impact, Income, Insurance, interest, interest rate, interest rates, internet, investment, layout, Learn, lenders, list, loan, LOWER, Main, Make, making, Manage Money, market, median household income, meta, model, money, monthly budget, monthly expenses, More, more money, negotiating, new, Other, payments, percent, Personal, personal finance, plan, planner, Planning, podcast, policies, Prices, principal, Purchase, rate, Rates, Rent, Research, retirement, Retirement Planning, right, sales, Saving, savings, Savings Goals, science, SEC, selling, simple, single, smart, television, time, tips, Transportation, wealth, wealth management, will, work, youtube

Houston Attorney Thrives on Doing The Impossible – Daily

February 3, 2023 by Brett Tams

In this extremely wealthy country of ours, the chief barrier to wealth is often the information, or misinformation that gets stuck inside our own heads. People with the right knowledge can develop the right habits, and these habits lead them to accumulate wealth very quickly. Meanwhile, the majority of people pick up incorrect financial ideas and […]

Posted in: Money Tips Tagged: 2, affordable, air, Air Conditioning, All, Amenities, appliances, average, beach, before, big, biking, black, Blog, bridge, Built, car, Car dealership, Career, cars, Cities, city, Clean, Clothes, Clothing, Colorado, commute, Competition, cost, country, couple, Credit, Debt, decades, design, Drivers, driving, Early retirement, electric, Emergency, exercise, Family, Financial Wize, FinancialWize, friendly, fun, gas, good, Google, great, habits, heat, high humidity, history, home, homes, hot, houston, ideas, Income, job, jobs, Law, lawyer, lawyers, Learn, Life, low, making, market, marriage, Medical, miles, mindset, money, More, Move, new, new job, office, Oil, Other, ownership, Personal, poor, premium, proof, Purchase, retirement, Review, right, School, selling, shower, single, spouse, summer, The MMM Blog, time, town, Transportation, under, upgrade, value, vehicles, wealth, weather, Wedding, white, will, work

Best Time To Buy A Car + Tips To Saving BIG When You Buy Your New Ride

February 2, 2023 by Brett Tams

Getting a new car is one of the better feelings in life, I’ll admit. But, it’s also one of the biggest financial transactions most people make. Get a good deal, and you’ll save a ton of money over the life of the car. Strike a bad deal, and it can haunt you for years.  It […]

The post Best Time To Buy A Car + Tips To Saving BIG When You Buy Your New Ride appeared first on Good Financial Cents®.

Posted in: Mortgage Tips Tagged: 2, 2021, advisor, All, analysis, ask, at home, Auto, auto insurance, auto loan, average, bad credit, bad credit score, balance, Bank, Banking, banks, basic, before, big, black, black friday, blue, bonuses, book, business, Buy, buyer, Buying, buying a car, Buying a house, buying a new car, car, car buying, Car dealership, Car Insurance, car loan, car loans, cars, cents, Christmas, Clean, clear, color, commission, Competition, cost, country, couple, craigslist, Credit, Credit Bureaus, credit score, credit union, custom, Deals, decision, disclosure, dmv, down payment, Downpayment, Emotions, entry, expenses, experts, Fees, Finance, Financial Wize, FinancialWize, financing, gap, gap insurance, goal, goals, good, Google, green, holiday, Holidays, home, house, How To, Illinois, impact, independence day, Insurance, interest, interest rate, interest rates, inventory, job, Learn, Life, life insurance, Lifestyle, Live, loan, Loans, Local, low, LOWER, Main, maine, maintenance, Make, making, man, Manage Money, memorial day, Michigan, model, money, More, Move, natural, needs, negotiating, negotiation, new, new year, offer, Original, Other, party, passive, points, poor, pre-approval, pretty, protection, Purchase, Quotes, Raise, rate, Rates, ready, Real Life, Refinance, repair, resale, resale value, Research, Review, right, room, safe, safety, sales, save, Save Money, Saving, Sell, seller, shopping, Sites, sleep, states, story, Strategies, tax, taxes, thanksgiving, the balance, time, timing, tips, title, trading, Transaction, Travel, tv, Valuations, value, vehicles, wants, widget, will, work, working, young

Mortgages and Loans: The Basics of Borrowing

January 27, 2023 by Brett Tams

Big loans make some people squeamish. This used to surprise me. I wondered how, for example, a client could talk openly about life insurance, with its end-of-life implications, then get sweaty palms over a mortgage refinance. Another client might, after systematically considering the need for disability insurance, balk at a mortgage equity line of credit […]

The post Mortgages and Loans: The Basics of Borrowing appeared first on Good Financial Cents®.

Posted in: Debt, Frugal Living Tagged: 2021, 30-year, 30-year mortgage, AAMS, About Mortgages, Accredited Asset Management Specialist, advisor, agent, aid, air, All, Apps, ask, assets, author, Auto, auto loan, Auto Loans, balance, Bank, banks, basics, Bathrooms, before, big, bills, Blog, blue, Borrow, borrowing, borrowing money, Budget, build, building, building materials, business, business loan, business loans, Buy, buy a house, Buying, buying a car, Buying a house, car, Car dealership, car loan, cars, cash advance, cents, Children, closing, closing costs, College, college graduate, color, commission, Conventional Loans, cost, couple, Credit, credit card, Credit Card Debt, credit score, credit union, custom, customer service, data, Debt, debt consolidation, Debts, decision, deductions, Disability, disclosure, down payment, Down payments, dream, driving, earnings, Economy, education, entry, equity, estate, expenses, expensive, Family, Featured, federal loans, Fees, FHA, FHA loan, Finance, Financial Advisor, financial aid, Financial Freedom, Financial Wize, FinancialWize, financing, foundation, freedom, friendly, front, General, getting a mortgage, Giving, good, good credit, Google, government, graduation, great, green, Grow, growth, healthy, helpful, higher education, hoa, HOA Fees, home, home equity, home equity line of credit, Home Improvements, home loans, Home Ownership, home renovations, homebuyer, Homebuyers, homes, house, Housing, Housing market, How To, Illinois, impact, improvements, Income, industry, Insurance, interest, interest rate, interest rates, inventory, Investing, investment, investment property, job, kitchen, kitchens, landlord, Learn, learned, lend money, lenders, lending, leverage, Life, life insurance, line of credit, list, Live, living expenses, loan, Loan officer, Loans, Local, locks, low, LOWER, Main, Make, making, market, Mistakes, money, More, Mortgage, mortgage loan, mortgage loans, mortgage refinance, Mortgages, needs, negotiating, new, offer, offers, office, Original, Other, outdoor, ownership, paint, parents, Paying Off Debt, payments, Personal, personal finance, personal loan, Personal Loans, plan, planner, Planning, PMI, podcast, present, principal, private mortgage insurance, proactive, products, programs, property, property values, protect, public service, Purchase, puzzle, questions, rate, Rates, Real Estate, real estate agent, Realtors, Refinance, refinance your mortgage, refinancing, renovate, renovating your home, renovations, Rent, resale, resale value, Research, retirement, Retirement Planning, Revenue, right, risk, safe, salaries, save, Saving, savings, Savings Account, Savings Accounts, SBA, scholarships, School, science, SEC, second, Sell, selling, shopping, simple, single, Small Business, society, spa, Spending, stable, Start a Business, starting a business, statistics, student, student loan, Student Loans, students, subsidized loan, taxes, the balance, time, tools, traditional, Transportation, tuition, under, USDA, used car, veterans, veterans affairs, wealth, wealth management, will, work, working, wrong, youtube
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