Got More Month Than Money?

My husband would always use the pocket calendar method. He did it for years. On the calendar, he would track our paydays and the amounts that were deposited. He would also put in there every single time he gave money to ANYBODY--for our bills, to our children, to me, for a night out, etc.  He knew where every single dollar went.  It’s just that simple to start budgeting. A 12-month calendar; you can get them in the dollar bin if you’re willing to wait until the middle of January. But every time we owe someone money, it was reflected there. And I would follow up and put it on a spreadsheet so that we had it in multiple locations. It helped us keep track of our income and expenses.  Find what's right for you.

Find a system that works for you,

It's extremely important to find a type of system that works well for you, especially when working your way out of debt. Stop living above our means and setup a  payment plan to get it ALL paid off.  Having the experience of being debt free is an important factor to keep your focus on the goals and to keep you motivated.

Try and Save a Month for Bills, just
to stay ahead.

  •  Get a one month buffer in your checking account. This isn’t easy, but it frees you up so much. Never again to you have to play the “can I pay this bill and keep my balance above zero” game.
  • Set all bills to be due on the same day of the month. If that is too scary, pick 2 days in a month, and spread your bills to those two days.
  • Set up auto-bill pay for bills with fixed amounts. (optional)This system means you only have to spend time and  think about bills one day a month.

Step One: Decide What You Want to Do
Step Two: Write it Down
Step Three: Just Do it!!
Simple  and easy, right?
David Allen, Author of "Getting Things Done", says “Your mind is for having ideas, not storing them”

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Financial Wellness

  1. Most people with bad credit are not irresponsible, nor are they unwilling to pay their obligations. In fact, if you’re like most people, you probably maintained a good credit profile until an unforeseen circumstance like a layoff, medical problem, or divorce prevented you from making a few payments in a timely manner.
    Life Happens
    Keep yourself, your family and your financial assets protected with the FES Protection Plan.
  2. Nearly 80% of credit reports contain inaccuracies or erroneous accounts. Your credit score is a major factor in any of your large financial investments. There is no room for error, yet 8 out of 10 people are losing out on their hard earned money because of these mistakes!
    Do you know what's on your credit reports?
    Your credit score is bad but you want: a home, car, insurances, credit cards, applying for a job and more....
  3. It's also used to determine your interest rate, the amount of your down payment and the variety of mortgage types available to you if you're buying a house, your ability to get a car loan, the premium on your auto or homeowner's insurance, and even your ability to get a job.
    Credit Score affects your life.
    Over 3/4's of all lenders use credit scores when approving loans or credit. The importance of your credit score doesn't end there.
  4. it is important that the information your credit report contains be as accurate and up-to-date as possible. Millions of inaccurate items have been removed from consumers' credit reports since the Fair Credit Reporting Act was passed in 1971.
    Because your financial health revolves around your credit score:
    Why shouldn't YOU join them and start saving money right now?

Pay Close Attention to Elderly Family Members Finances. Make sure NO ONE is exploiting them. 

From the Office for Victims of Crime, this video is a government sponsored PSA on financial exploitation.

Elder Abuse: The Crime of the Twenty-First Century? - Research on Aging.

Published on Oct 4, 2012
(Visit: Attorney Paul Greenwood has prosecuted more than four hundred felony cases of elder and dependent abuse, both physical and financial. He examines what constitutes elder abuse, how we handle these cases in our judicial system, why incidents of elder abuse are on the rise, and how you can protect yourself and your loved ones. Series: "Stein Institute for Research on Aging" [10/2012] [Health and Medicine] [Show ID: 23255]

Pay attention to your older family members finances. See something, say  something!  Who has Power of Attorney for your elderly family member?

60 Minutes" Presents: 21st Century Cons

Get your copy of Ëxclusive Tax Information from Finally Excellent Score

Just a few suggested books.

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The Ohio Department of Job and Family Services
John R. Kasich, Governor    
Cynthia C. Dungey,
ODJFS Director

If you live in the State of Ohio, here's a place to start for help with the items listed on the left. 

Apply at an OhioMeansJobs Center
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“How do I clean up my credit and get out of debt?”  That is a logical question.  You should ask yourself that question when you discover that you have actually put yourself in a position where you are drowning in debt over your head financially and you finally decide you want to clean up your credit and learn how to become debt free.  But how do you do it?  Unfortunately, you just can't decide one day that you want to clean up your credit and get out of debt and BOOM! It’s done.  That’s where Finally Excellent Scores comes upon the scene.  We show you a series of ways that will show you every single step it takes to clean up your credit and get out of debt and start living a debt free for the rest of your life.

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Late payments 
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