DRJ blog header 10 2018

Budgeting Essentials

Helping you master the practical essentials of Budgeting, Cash Flow, Accounting and Debt Relief.
This blog addresses Debt Relief issues and tips for people who want to learn more about debt and get out of debt.  The posts give you practical definitions and suggestions on debt relief.  Learn how to get out of debt so you can do what you want with your money!
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What your words say about YOU...

The way we think and believe, the people we hang out with, the movies we watch, and the books we read all profoundly impact our words.  Our words can also help or hinder us on our Debt Relief Journey. Learn more in this week’s blog to discover 4 tips for guarding the tongue…

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© 2019 Dan Heiland 2019 Kat Heil, LLC

How Singing Lifts your Morale

The leader of an Antarctic expedition asked applicants if they could sing. The reason for his question revolved around the high priority he placed on maintaining morale in the face of danger and severe conditions.  This also applies to your Debt Relief Journey.  Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

Acquire Persistence - Here's Why:

There is always some measure of success in persistence. But giving up offers none. Regardless of the outcome, persisting through tough times and overwhelming odds becomes part of your victory.  Persistence is especially important when you are on your Debt Relief Journey.    Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

Wrong Stress Can Kill...

Stress is one of the leading causes of stroke and hypertension in our society. But stress isn’t always a dirty word! We need a certain amount of stress in our lives in order to function well. For instance, a desire to eliminate our debt; the drive to excel in life; and the practice of goal-setting and goal-completion all impose a level of stress on us that is good and productive.  Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

Are you Goal Oriented Like me?

Are you so fixated on a goal that you’re missing the journey? The journey is where we experience life, where we build relationships, and where we learn. Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

Bills Killing you daily?

Recently, American consumers hit an all-time high of more than $1 trillion in credit card debt! That’s scary! Total debt, including mortgages, auto loans and student loans is also at an all-time high. Debt, while seeming to satisfy an apparent and immediate need, later denies us future financial freedom.  Asking the right questions can help you avoid more debt. Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

7 benefits of living on limited funds

We all know that it can be challenging to live on limited funds.  But did you know that living on limited funds has benefits also?  Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

How do I keep myself encouraged?

Being on a serious debt relief journey can present opportunities to become discouraged.  If you prepare ahead of time you can be ready when discouragement tries to creep up on you. Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

Don’t condemn yourself for borrowing.

When you are in debt, it is easy to get into condemnation because you are in such a financial mess. But that won’t help you get out of debt.  Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

Does interest benefit you?

We are taught that interest is just an additional cost of doing business or a fee that we pay when we want to finance something we are buying.  But what is it really?  Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

How did you learn to accept debt?

It is not an accident that most people end up in debt.  They are trained to use it.  Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

Who does Debt benefit?

Many people use debt because they think that they are the ones that benefit from it. But, that is not really the case. Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 reasons you need to change your spending habits

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 things you can do in a recession when you don’t have debt

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.  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 eliminate debt before a recession hits

The economy goes up and down regularly.  Sometimes the ups last longer, but eventually the market makes a “correction” and a recession occurs.  You want to be prepared before a recession hits.  That is why you should look at these 5 reasons to eliminate debt before a recession hits.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 reasons to update your budget regularly

One of the first steps on your Debt Relief Journey is to create a budget that allows you to pay off your debt. But if you want to be successful on your Debt Relief Journey, creating that budget is not a one-time event. Learn more in today’s blog. 

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© 2019 Dan Heiland 2019 Kat Heil, LLC

Why Discontent Is the Enemy of Ambition on your Debt Relief Journey

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

By the end of the holiday season, you may find that you have overspent your holiday budget. While this does setback your debt relief journey, it is not the end of the journey. Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

DEBT on my mind free class

Many people are caught in the debt cycle.

Learn how to reduce your debt yourself!

FREE online Workshop   

Step by step process...

Easy to follow format...

Available on your schedule...

No monthly fees...

 CLICK HERE TO GET STARTED!!!.