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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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

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 help your Debt Relief Journey in the New Year

 The beginning of the year is a great time to make adjustments that will help you improve your debt relief journey. Learn more in this week’s blog.

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© 2018 Dan Heiland 2018 Kat Heil, LLC

How do I get better results on my Debt Relief Journey?

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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© 2018 Dan Heiland 2018 Kat Heil, LLC

5 reasons it’s not normal to be in debt

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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© 2018 Dan Heiland 2018 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 be like when you are debt free. Learn more in this week’s blog.

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© 2018 Dan Heiland 2018 Kat Heil, LLC

5 tips for dealing with “Sales” like Black Friday and Cyber Monday on your Debt Relief Journey

Many people get excited about the “sales” like Black Friday and other sales during the holidays.  You can buy many things at a discount.  But why do they call it Black Friday?  When does it make sense to take advantage of those deals?  Learn more in this week’s blog.

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© 2018 Dan Heiland 2018 Kat Heil LLC

5 Tips for preserving your budget during the holidays

The holidays can be a challenging time to be on your debt relief journey.  There are many opportunities to get off the path of your journey.  But if you are prepared, you won’t get off the path.  Learn more in this week’s blog. 

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© 2018 Dan Heiland 2018 Kat Heil, LLC

5 Ways 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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© 2018 Dan Heiland 2018 Kat Heil, LLC

Today is better than Tomorrow.

Today is the day. The only day. Tomorrow is not here and never will be. When tomorrow does come, it won’t be tomorrow, it will be today.  So, make the most of today.  Do things today that will bless you, your family and others moving forward. Learn more in this week’s blog. 

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© 2018 Dan Heiland 2018 Kat Heil, LLC

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