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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The Power of the Tongue

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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© 2018 Dan Heiland 2018 Kat Heil, LLC

“Can You Sing?”

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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© 2018 Dan Heiland 2018 Kat Heil, LLC

5 Ways to Boost Your Persistence

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 the victory.  Persistence is especially important when you are on your Debt Relief Journey.    Learn more in this week’s blog.

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© 2018 Dan Heiland 2018 Kat Heil, LLC

8 Tips for Lowering Your Stress

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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© 2018 Dan Heiland 2018 Kat Heil, LLC

Getting the Most from the Journey

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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© 2018 Dan Heiland 2018 Kat Heil, LLC

The Perils of Debt

In 2017, 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. Learn more in this week’s blog.

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© 2018 Dan Heiland 2018 Kat Heil, LLC

How living on limited funds helps you.

Last week I talked about “Keeping yourself encouraged.”  If you missed that post, you can review it HERE.  This week’s post is “How living on limited funds helps you.” We all know that it can be challenging to live on limited funds.  But did you know that living on limited funds can help you?  Learn more in this week’s blog.

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© 2018 Dan Heiland 2018 Kat Heil, LLC

Keeping yourself encouraged.

Last week I talked about “Don’t condemn yourself for Borrowing.”  If you missed that post, you can review it HERE.  This week’s post is “Keeping yourself encouraged.” Sometimes when you are on your debt relief journey you have opportunities to become discouraged.  If you prepare ahead of time you can be ready when discouragement tries to come on you. Learn more in this week’s blog.

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© 2018 Dan Heiland 2018 Kat Heil, LLC

Don’t condemn yourself for borrowing.

Last week I talked about “What is interest?”  If you missed that post, you can review it HERE.  This week’s post is “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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© 2018 Dan Heiland 2018 Kat Heil, LLC

What is interest?

Last week I talked about “How we learn to accept debt.”  If you missed that post, you can review it HERE.  This week’s post is “What is interest?”  We are taught that interest is just an additional cost of doing business or the fee that we pay to finance something.  But what is it really?  Learn more in this week’s blog.

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© 2018 Dan Heiland 2018 Kat Heil, LLC

How we learn to accept debt.

Last week I talked about “Who does Debt benefit?”  If you missed that post, you can review it HERE.  This week’s post is “How we 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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© 2018 Dan Heiland 2018 Kat Heil, LLC

Who does Debt benefit?

Last week I started a new blog with the initial post: “Welcome to the Debt Relief Journey blog!”  If you missed that post, you can view it HERE.  This week’s post is “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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© 2018 Dan Heiland 2018 Kat Heil, LLC

Welcome to the Debt Relief Journey blog!

Debt has become an epidemic in America. People think that the only way they can buy things is by financing them. But that is not the case.  Learn more about debt in today’s initial post on the Debt Relief Journey blog!

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© 2018 Dan Heiland 2018 Kat Heil, LLC

DEBT on my mind free class

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