A Liberated Consumer’s 3 Commandments for Never Going Broke Again!

3 Commandments A Liberated Consumer’s 3 Commandments for Never Going Broke Again!

Every financial Guru on the planet and in the blogosphere has methods for securing your financial future.  It usually starts with putting a $1000 dollars away for an emergency fund and then moves on to paying down debt.

After that, most tell you to move on to investing and well, you get the picture.  The one thing they never focus on is making money!  That’s right, before you can take any of their advice; you must be generating income so here are 3 laws from a liberated consumer for never going broke – and I did it twice:

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10 things I learned from Financial Literacy Month 2013

Teaching Lauryns Class 2 1024x767 10 things I learned from Financial Literacy Month 2013

Another year, another Financial literacy Capability month in the books. Did it mean anything to you? Did you or anyone you know learn anything or feel less financially inept than last year because of it? Here are 10 things I learned from this years farce:

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How Close Are You to Being Broke? Here’s a Hint; You’re Closer Than You Think!

Rainy Day Image How Close Are You to Being Broke? Here’s a Hint; You’re Closer Than You Think!

How’s your “rainy day” fund looking these days? If you just laughed at that question, you probably already know the answer to how close you are to being broke.

If you read the question and asked yourself, “what the hell is he talking about – rainy day fund?”, then you’re about to get rained on!

Not Your Father’s Rainy Day Fund

20 years ago the financial experts said you should have 3 to 6 months’ worth of expenses in reserves. Now the personal finance experts and guru’s say you should keep 6 to 9 months in reserves. I say that’s not nearly enough!

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