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WayPoints Financial Services
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A Budget is not… - A budget is not a random set of numbers written down on paper or typed in a spreadsheet. A budget is not how much you have left in your checkbook that will get you to the next payday. A budget is not guessing how much you think you might need to get you by till next payday. A budget is not the same every single month. A budget is not difficult if done monthly and tracked daily! When establishing a written budget or cash-flow plan, you need to determine what categories are...

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What’s Your Plan? - Have you ever asked someone what their plan is? Most people will deliver an elaborate plan that will describe their life goals, education goals, professional goals, travel goals and retirement goals. They will talk about what they want to do, the time frame they want to accomplish their goals and the specific details of that goal. But, on most occasions those same people fail to financially plan for all their life goals. Every established goal will have a financial stick...

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What’s Your Retirement Number? - Most people I talk to hope to retire some day. Almost everyone of them gives me an age at which they would like to retire at, but rarely tell me how much they will need in retirement dollars when they retire. Your ability to retire should not be based on age but on the amount that YOU will need in order to maintain your standard of living without working. This calculation can be cumbersome and complicated to figure out if you don’t know ... http://ow.ly/311ALy

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Why Do We Overspend? - The reasons why people overspend extends deep into the human psyche. Human psychology is a very complicated subject and one that I am not qualified to even address, but I do know that the way people think about money can be very unhealthy and disastrous in the long run. After 7 years of coaching clients, here is a list I have compiled of reasons why people find themselves overspending. Keeping up With ‘Jones’ – Many people feel that if they fall b... http://ow.ly/30RIly

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Are You Your Biggest Problem? - One of the largest searches on the internet today is “I Need Money Help”. In fact, over 70,000,000 people across our globe are searching the internet every month looking for answers. Some of the reasons so many people are searching for help are due to a Lack of Education, Emotional Attachment, Relational Discord, and Psychological Distress. Many people in financial disruption place blame on the current economic conditions. Some even place... http://ow.ly/30LlzC

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Can You Really Afford to Navigate Your Own Financial Journey? http://ow.ly/30xSad

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Why Your Financial Journey Begins With YOU! - As you read this, you are probably facing some type of financial challenge but don’t know where to go or what to do to find the answers you need to move past this issue. Even I, as a financial coach, face numerous challenges everyday in both my personal life and in this business I own. The difference is, I usually know where to go to find the answers I need to move forward with my financial journey. I have taken the steps ne... http://ow.ly/30oBqA

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Summer 2015 Special Offering For Our Loyal Subscribers

For the first time ever, WayPoints Financial Services,LLC is offering two great opportunities for our loyal Subscribers to receive Financial Guidance at significantly reduced rates.

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Do you Prepare a Budget or a Cash Flow Plan? - Webster defines Budget as an estimate of income and expenditure for a set period of time. I define a Cash Flow Plan as a detailed account of the movement of cash into and out of a families household that has been allocated and placed into multiple expense categories that have been previously decided, earmarked, and agreed upon by the family decision makers. A budget alone is not a great tool to use for a successful financia... http://ow.ly/30c7yZ
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