It’s Saturday today and Sunday tomorrow. Right after Sunday, it’s hubby’s pay day on Monday.

Come on, I am waiting for the 28th to arrive to save us from dying from thirst. There isn’t much cash left in hand now.

Ha, this is like waiting for an immediate annuity to pay the fixed expenses in retirement, such as for life, health or long-term care insurance premiums and mortgage or rent payments.

A family member of mine told me to consider investing in an immediate annuity last week. He made the immediate annuity sound fairly simple to me by saying, “You give the annuity company a chunk of money, and it guarantees payments that last your lifetime.“

Let’s say one morning you wake up and realize that, yes, you should buy a home. You’re tired of throwing away money on rent and figure that it’s time to get into a home of your own. But you have reservations.

After all, if it’s your first time, you’ve got questions. You might be a little nervous that you’ll mess up, and it’s normal to feel that way.

First, you need to gather information. Information is empowering. Lucky for you that you came to the right place. So let’s get started buying your first home!

1. Reconsider if Home Ownership is For You. Before you announce to the world that you are going to buy a home, consider about renting versus buying first. Read more »

As a consumer, you love to see lower interest rates when borrowing money. Whether it is the rate on your credit card, mortgage, auto loan, or any other type of loan, you generally enjoy these lower rates. While lower rates can certainly be a blessing for your debt, not everything is rosy.

As mentioned above, a trend of decreasing rates is likely in response to a weakening economy. This means that other investments such as stocks or real estate have probably not been faring very well in recent months or years.

In addition, lower interest rates also affect things like your savings account. So while you may be paying less to borrow money, you’re also being paid less to lend or deposit money.

When interest rates begin to decline, one of the first places to take advantage is with your high-interest credit cards.

Keep in mind that when the Fed cuts the rate, it can take quite a few months or even years to trickle down to all aspects of your finances. But by planning ahead for this trend, you can position yourself to save money on your credit card payments. Read more »

Jane, 28, is an events executive who earns $48,000 a year and is a spender. Gary, 35, is an IT analyst who earns $56,000 a year, but is a planner. They have no children.

Monthly Expenditure

Mortgage $600

Bills $800

Entertainment $1,200

Debts $30,000

Shopping $2,000 (Jane); $1,000 (Gary)

Savings $200 (Jane’s monthly savings policy); $1,100 (Gary)

Jane Says “I’ve always been pampered by my parents, who provided for all my wants. I believe money is earned to be spent. I think it’s okay to reward myself with designer clothes and accessories because I work hard at my job. Money is not everything in life, so I might as well use it to make myself happy.”

Gary Says “I hate being in debt, so I would like to clear it as soon as possible. After that, i would like to pursue a Master’s degree. But Jane’s spending means I have to contribute more to the household expenses and cut back on our savings.”

Expert’s Advice “The most urgent task for Jane and Gary now is to repay the $30,000 debt. The couple should decide how long they want to take to clear the amount. A good time frame is two years, so the couple have to make a monthly payment of $1,250. So they may need to cut down on their entertainment expenses.”

I like this book because it is full of practical and simple steps anyone can take to realize their dream of being debt-free.

You will learn proven results that will teach you how to look beyond your current situation, and see a vision to get debt free for yourself.

There are few easier steps to take in order to eliminate debt forever.

“If I could do it,” Sharman says, “I know tons of other people out there can too — equipped with the right information and the strategies found in 12 Steps to Eliminate Debt Forever.

The fact that Sharman and her husband have already paid off their mortgage is evidence enough that she has earned the right to speak on this subject.

Clear, concise, and easy to understand. I highly recommend this book for anyone wanting to be free from debt.

Financial freedom is available to everyone. Financial freedom isn’t based on who we know or how much money we make. It is a result of a change in our thoughts and habits regarding our hard-earned money.

Living debt free is not just for the rich and famous! In 1995, Sharman and her husband got a vision to pay off all their debt, including their mortgage, in five years.

After accomplishing that monumental goal in 1999, she was inspired to reach out and help others who are struggling financially and living paycheck to paycheck.

Catch the vision. Live debt free! Living debt free is a lifestyle and philosophy that anyone can choose to implement in his or her current situation using his or her current income.

Sharman lives what she teaches! The simple changes her book recommends translate into dramatic life-changing freedom for those willing to take on the challenge.