Budgeting Essentials

Helping you master the practical essentials of Budgeting, Cash Flow, Accounting and Debt Relief.

Personal Debt vs. Personal Spending

When you are on a Debt Relief Journey, you may be tempted to focus on the debt aspect of the journey. But in order to be successful, you are going to have to focus on changing your spending habits.  Learn more in today’s blog. 

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 reasons not to refinance your loans

When you are feeling the pressure of debt, it can be tempting to grasp for solutions that sound like they will eliminate your debt.  While there are instances where refinancing could be appropriate, for most people a refinance loan is not a good idea.  Learn  more in today’s blog. 

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 tips to recession proof your finances

When it comes to the economy, you don’t have a choice about when a recession will hit.  But just because a recession comes, doesn’t mean you have to participate.  Use these tips to recession proof your finances.  Learn more in today’s blog. 

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 Reasons to get debt free Today!

When things get tight in a recession, most people have to cut back on what they are doing.  Debt payments are not adjustable.  Those payments have to be made regardless of the state of the economy.  But when you are debt free, you don’t have those obligations.  You have more options than people who are in debt.  Find out how to get debt free in today’s blog. 

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 tips to recession proof your finances

When it comes to the economy, you don’t have a choice about when a recession will hit.  But just because a recession comes, doesn’t mean you have to participate.  Use these tips to recession proof your finances.  Learn more in today’s blog. 

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© 2019 Dan Heiland 2019 Kat Heil, LLC

Discontent = Enemy of Debt Relief

Discontent puts you in a frame of mind that buries you in a sea of despair and hinders your progress on your Debt Relief Journey. Contentment, on the other hand, lifts your head above your circumstances and fills you with hope for the future.  A future in which you can be debt free. Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 tips for Overcoming Overspending

Periodically, you may find that you have overspent your budget. While overspending slows your debt relief journey, it is not the end of your journey. Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 reasons to see yourself debt free

20190730 5 Reasons to See Yourself debt free

If you always think of yourself as being in debt, then you will always be in debt. But when you see yourself debt free, you can become debt free. Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 Ways to Get Debt Payoff Minded

Any time of the year is a great time to make adjustments that will help you improve your debt relief journey. You can never start too soon! Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

See yourself succeeding or struggling?

How are you looking at your debt relief journey? Do you see yourself succeeding or struggling?  However you see yourself will determine how your journey will turn out. Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 reasons debt shouldn’t be “Normal” for you

Many people are taught that you have to go into debt in order to purchase things that you want. But should that be normal?  Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 Things you can do when you are debt free

One of the things that you should do on your debt relief journey is picture what life will look like when you are debt free. Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

How to Deal with Naysayers

When you are on your Debt Relief Journey, you will come across people who don’t understand what you are trying to accomplish.  They are often the ones who have big plans, but never seem to follow through on them.  They may even be friends and family members.  Learn how to deal with them in today’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC