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black sheep finance, get out of debt, how to budget, pay off student loans fast

5 Books That Helped Grow Our Net Worth by 100k in 3 years

Disclosure: Some of the links below are affiliate links, meaning, at no additional cost to you, I’ll earn a commission if you click through and make a purchase. Reading is essential to your wealth-building journey! As a matter of fact, research shows that the average millionaire reads 2-4 books per month. When I make guest Read more about 5 Books That Helped Grow Our Net Worth by 100k in 3 years[…]

black sheep finance financial coaching

Financial Infidelity In Relationships

 

“I’ve had these forever” you hear.

In the back of your mind, you know you’ve never seen those items, but, in the moment, you let it go.

Maybe she’s right. Maybe you just don’t pay attention anymore.

A few weeks later you’re reconciling the bank account, and realize that, somehow, the math is off.

Then it hits you…those clothes were brand new and you aren’t crazy! Now you’re locked into a heated money fight.

Financial infidelity is the worst.

Lying about money can lead to some pretty serious marriage problems.

[…]

black sheep finance

6 Reasons Folks Work With A Financial Coach

Personal finance is such a taboo subject.  I mean, folks really hate talking about money for some reason.

A recent study found that 74% of people will not discuss money with a financial professional.

We can point the finger at shame, insecurity, or even fear as some of the top reasons why, but the truth is, not talking about money can be detrimental to your financial health.

So what about the other 26%? What are some of the top reasons they are willing to gain additional insight when it comes to money? […]

save money

7 Ways To Save Money During Back To School Season

Many of our clients are parents of school-aged children who don’t want to obliterate their August budget. As a result, I decided to share seven ways you can save money during back to school season.

[…]

The Key To Paying $61,000 Worth of Debt In 16 Months

If you live in South Texas like me, you know there is very little chance of snow ever happening. As a matter of fact, I’ve been in Houston since 2004, and I’ve only seen it snow twice.

To make matters worse, snow in Houston doesn’t stick to the ground for more than a few hours.

For this reason, you’ll see kids run outside the instant they catch a glimpse of snow. Not too far behind will be their parents with cameras to snap memories of this phenomenon.  […]

Houston Financial Coach

The Story Behind Paying Off $61k In Only 16 Months

Emergencies happen. be prepared.

Despite what you may believe, I have not always been Michael of Black Sheep Finance.

Truthfully speaking, there was a 3 year stretch where I made almost every financial mistake you imaginable.

I don’t think I’ll ever forget the first time I actually used a credit card.

It was February 2011 in Appleton, Wisconsin.

[…]

Life Can Suck Sometimes. Be Prepared.

Thanksgiving 2016 is a week I’ll never forget.

As you can probably tell by the title, that week SUCKED!

It all started the day before Thanksgiving when I got the call that my aunt, who had been in the hospital for a few weeks, was getting ready to begin chemo and was not expected to live through the initial treatment. […]

#MoneyMondays

The Percentages You Need For A Successful Budget

Question: What do you recommend for a budget percentage?

Great question! I love this one because it shows that you really care about not only creating a budget, but creating a budget that works for you. (Heavy emphasis on works for YOU!)

Here’s a fact that may come as a surprise for you: there really is no standard budget percentage chart that works for everyone.

[…]

Financial Coaching

How I Blew $1,000,000 In My Early 20’s

Most people don’t understand the concept of opportunity cost. In basic terms, opportunity cost can be summed up by saying,”If I’m doing X, then I’m not doing Y.”

2 months before my 24th birthday, I landed a sales job with a globally known company. I got a nice bump in pay and a few other perks I wasn’t used to at the time. […]

Financial Coaching

6 Simple Habits Keeping You Broke

It’s no secret that most Americans are living paycheck to paycheck. What’s shocking is how little the average American knows about personal finance. As a result, Financial Coach Michael Lacy has shared 6 simple mistakes that keep you broke.  […]