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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[…]

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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.  […]

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. […]

You Must Do This Before Making Large Purchases

We live in a day and age where everyone wants everything now. What we lack in patience, we make up for in debt.

Auto and student loans in America now, both, top over $1 trillion individually, and credit card debt isn’t far behind at $780 billion.

So how do we begin to reverse these trends? It’s simple actually: stop borrowing money and start saving for big purchases!  […]

Cheat Sheet For Controlling Food Spending

When most Americans that are struggling financially are asked to identify the area they struggle with the most as it pertains to budgeting, most will very quickly point towards food spending. This isn’t exactly shocking considering the USDA released a report stating that the average family of 4 in America spends just under $1200 per month on food, while the average rent for that same family is only $992 per month.

If $1200 per month were the true cost to survive in America, there would be no problem with this number, however, Americans also collectively throw away $165 billion worth of food annually.

That’s a lot of waste and it demonstrates that we are not being intentional when it comes to food spending. Here are some very practical ways to get intentional and in control of your monthly food bill.