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financial freedom

f$fty-two

March 22, 2012 by Carmalyn

Yes. f$fty-two. 52 weeks ago Robert and I attended a Financial Peace University course at our church. According to The Wall Street Journal, 70% of Americans are living paycheck to paycheck. That means 7 out of 10 families on your street—your friends and neighbors—are only one paycheck away from disaster.  Financial Peace University (FPU) can bring you  peace, stability and hope.. The 13-week … [Read more...] about f$fty-two

Filed Under: control, financial freedom, Financial Freedom, Gratitude

1 + 1 = Zero

February 13, 2011 by Carmalyn

Ok, so we are moving along on our journey to Financial Freedom with Dave Ramsey and our Financial Peace University classes. This week we were challenged to write down all of our income and "spend" every penny of it on paper. We need to use our monthly cash flow chart to know where we want all of our income to go. There are set categories such as saving, giving, household items, clothing etc. … [Read more...] about 1 + 1 = Zero

Filed Under: financial freedom, Financial Freedom, Uncategorized

Change starts here.

January 24, 2011 by Carmalyn

I once heard someone say "don't worry about keeping up with the Jones', they're broke and unhappy!" Isn't that the truth! We try so hard to live up to what others are doing and yet we come to find out, they're not doing so great. (Apologies to all of my friends whose last names end in Jones :) you know it's just a saying). It seems like as parents it is our job to hide any stress we can from our … [Read more...] about Change starts here.

Filed Under: awareness, Financial Freedom

change is a happening…

January 17, 2011 by Carmalyn

I remember once reading that synchronicity is God saying "don't give up".  I love that thought.  I also love finding synchronicity in my life.  Last night we took our first step to financial freedom.  As I mentioned in my last blog, we are enrolled in a Dave Ramsey Financial Peace University at my church.  After having great discussion with my husband and our sitting down and really making sure we … [Read more...] about change is a happening…

Filed Under: financial freedom, Uncategorized

Time for change!

January 16, 2011 by Carmalyn

Wow, I just realized the pun in my title of this blog... Change is a coming...for sure!  Tonight Robert and I started our 91 day journey to financial peace.  We are taking the Financial Peace University class, which Northwoods Presbyterian Church (www.northwoods.org) is hosting. I am a spender.  I have always been a spender.  I also have always believed that we will have enough.  After college … [Read more...] about Time for change!

Filed Under: financial freedom, Uncategorized

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Carmalyn McCracken is a keynote speaker, seminar/workshop leader and Certified Life Coach. Read More

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