Financial Peace University

Before I got to the point of financial peace by attending the Dave Ramsey Financial Peace University, I had mounting debt and was irresponsible with spending and planning. I left the military in 2012, worked in the private industry, doubled my salary, went through unemployment following the furlough fiasco and was still able to successfully pay off all debt, save thousands, and purchase a home!

I paid down my debt using the snow ball method. Paid the lowest off first and used the extra money once paid off towards the next lowest debt. I cut up all of my credit cards and used only cash or my debit card.

My credit score increased dramatically. I was approved for a mortgage and purchased my home in a little over 3-weeks! I prepared a year in advance by attending a HUD Approved first time homebuyers course. Plus carefully monitored my credit.

I landed a job through hard work applying daily for positions, but consider this…I was unemployed for 4-months! In the interim I served as a political consultant and I established a non-profit The Next Chapter, which cost several thousand dollars out of my own pocket to incorporate. Never once did I worry about bills because I had savings, a budget, and a plan.

My quality of life did not suffer. I gained financial peace in less than two years! Discipline+Purposeful Planning+Goals

=Financial Peace.

Check out the classes or get info here:

http://www.daveramsey.com/store/financial-peace-university/cFpu.html

Every Dollar Budgeting Tool

https://www.everydollar.com/app/sign-up

Dave Ramsey Store (Books, Classes, Financial Tools)

http://www.daveramsey.com/store/

#SmartMoney #TotalMoneyMakeover #FinancialPeaceUniversity #DavidRamsey #SuccessCreators #SimplyEbony

Travel the World on a Budget

#Travel #Tips #Money #Savings #DiscountTravel #ErrorFares #FlightDeals #GlitchFares #Discounts #Flights #SimplyEbony Here are travel tips that I’ve compiled to help you explore the world for cheap! Who doesn’t like savings? Please review and if you have additional tips please comment. Don’t forget to follow my new blog “Simply Ebony” to stay updated on Travel, Politics, Trump, Federal Government Employment, Career tips, Entertainment news, and Life.

* Plan around cheap airfare! If you see discount deals. Book the flight! Then reserve your lodging.

* Sign up for Ebates to get cash back and discounts on hotels, flights, tours and much more: https://www.ebates.com/r/EBONYA154?eeid=33618

* Get travelers insurance! This will save you the headache and unexpected costs to cover instances where you need to change travel arrangements, lost baggage, unexpected illness or medical emergencies.

* Research, research, research!! Know what it costs to fly to your favorite destinations so when you see a sale pop up you will recognize it as a deal.

* Research Hotels, Excursions, and Destinations…use Trip Advisor (www.tripadvisor.com).

* Set price alerts for flights…. you can do that on Hopper, Kayak, Google, via the airline websites, and other airline ticket sites. They’ll send you updates with flight prices and notify you when the price drops.

* One way tickets can save you money. Search around and compare prices for one way fares vs. round trip fares.

* Contact travel agents to get quotes on full packages and then go to Kayak or similar travel sites to see if you can find cheaper prices for air and/or hotel. If you find better deals you can try to negotiate a lower package with your travel agent or break down your package and solely book air and/or hotel with the travel agent if it is cheaper.

Maximize your Airline Rewards!
* Apply for and use the airline rewards Credit Card
* Shop via the airline rewards website
* Register with the rewards dining program
* Research and shop/dine at rewards places to get points
* Check the hotel partners list and make sure you update your accounts with the airline info so you get rewards points for your stays

Discount Vacation Deals

* Expedia – http://www.expedia.com
* Travel Zoo – http://www.travelzoo.com
* Groupon – http://www.groupon.com
* Living Social – http://www.livingsocial.com
* Bookit – http://www.Bookit.com (Bookit allows you to make payments. You can make a reservation and change/cancel the reservation if the rates drop or your plans change.)
* Clark Howard – http://www.clark.com/travel (Great deals for international travel)

Cheap Flights

* Airfare Spot – airfarespot.com
* Kayak – http://www.Kayak.com
* HOPPER – http://www.hopper.com
* Secret Flying – http://www.secretflying.com/usa-deals
* Fare deal Alert – http://www.faredealalert.com
* Flight Deal – http://www.theflightdeal.com
* Google flights – http://www.google.com/flights
* OntheFly – https://www.itasoftware.com/travelers/
* Skyscanner – http://www.skyscanner.com
* Priceline – Priceline.com
* SkipLagged – https://skiplagged.com (Great for those who use carry-ons only)
* Affordable – http://www.airfordable.com (Layaway tickets)

Special Note: Follow all of your favorite airlines and the above flight deal sites on Twitter and FaceBook to get real time notifications and Flash Deals.

Cheap Hotels and Lodging
* Priceline – http://www.Priceline.com
* Express Deals – http://expdealshotel.com/
* Better bidding – http://www.betterbidding.com/
* Hotwire – http://www.hotwire.com
* Hotels.com – http://www.hotels.com
Special note: Visit your desires Hotel’s link directly to find good deals and comparison shop using the above links.

Private Home/Villa/Condo/Townhome Rental Companies
* HomeAWay – http://www.homeaway.com
* VRBO – http://vrbo.com
* AirBNB – https://www.airbnb.com/
* InnClusive – https://www.facebook.com/innclusive/

Special Note: Private Home/Villa/Condo/Townhome Rental Companies are great ways to save money. If you are traveling with a group you will save substantially by splitting the cost of lodging. If you don’t mind cooking some of your meals, you can go grocery shopping and maximize the use of your kitchen and savings. Extended stay hotels also have kitchenettes where you can cook small meals.

Follow these sites on Twitter and Facebook to get immediate info on Flight Deals and Flash Sales:

* Travel Deal Tree @traveldealtree

* Secret Flying @SecretFlying

* The Points Guy @thepointsguy

* The Flight Deal @theflightdeal

* Airfare Watchdog @airfarewatchdog

Sincerely,

Ebony