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Denise Fesel Financial Coach and Counselor Healthy money habits that last a lifetime |
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info@denisethemoneycoach.com (330) 256-9973 |
Let me start by letting you know what a financial coach is not. We are not the same as other financial professional, rather than recommending investments and managing portfolios like an advisors we spend time helping clients get their finances in order. As a financial coach I help my clients with money management topics with …
Grab a pen and paper and test yourself to see how financially fit you really are. You may be surprised to find something lacking and needing your attention. Answer each question with: 5 = Always 4 = Usually 3 = Sometimes 2 = Seldom 1 = Never 1. I have a bank or credit union …
We all know that insurance is needed to protect ourselves from loss in case of emergencies. Many people are not covered to protect all aspects of life and may find a great financial burden if a piece of your financial foundation is lacking. Let’s think about it as protecting your four walls. Answer yes or …
You may be thinking that you are okay because you can meet all the minimum payments on your credit cards and there are still groceries in the house. Well you may want to think twice because the cost of interest alone can add up to a fully funded retirement fund or college in some cases. …
Have you heard the news? 78% of U.S. workers are living paycheck to paycheck! After the last government shut down it could even be higher because more than 800,000 federal employees didn’t receive paychecks and had to borrow against future pay and stand in line for food from local resources. So how does this affect …
Being financially successful isn’t because of your salary or the things you own. The biggest factor is you! How life mapped your emotional relationship with money. You could be a little nutty and squirrel away every penny, shop till you drop, buy and return, give it all away, or live on the wind; identifying the …
This is a great pick up line but If you don’t have a credit history it will be hard to get a loan or even rent an apartment because you are invisible to lenders/renters and they have nothing showing your creditworthiness. To start building credit the first thing you need is at least one account …
I had an adversity to taking risk over the tradeoff of reward. I tended to choose very conservative investments not allowing my money to grow. Once I took inflation and taxes into account I was not beating inflation and didn’t think I would ever be able to retire. Historically treasury bills average annual return is …
