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Frozen by Fear

Submitted by Byron Moore, CFP® & Mike Jones on March 23rd, 2015
By Byron Moore, posted March 23, 2015

Originally published in The News Star and The Shreveport Times on Sunday, March 22, 2015.

Question: I have been through a lot of tragedy in my life. My problem is I am frozen with fear, so much so that I have not spent money I have on basic necessities.  I am just afraid of making mistakes spending. Would a life plan help in my situation? 

Answer: You may need both a plan and a person. 

Your Life Plan Should Drive Your Financial Plan

Submitted by Byron Moore, CFP® & Mike Jones on March 9th, 2015
By Byron Moore, posted March 9, 2015

Originally published in The News Star and The Shreveport Times on Sunday, March 8, 2015.

Question: When you do a financial plan, do you fund your retirement first or get out of debt? Is trying to save on taxes part of it? And my husband says we spend too much money on insurance, but I worry we don’t have enough. We’re all over the map! Where should we start?

Answer: If you want a plan for your money, get a plan for your life.  

Your priorities – the missing link your financial plan?

Submitted by Byron Moore, CFP® & Mike Jones on March 2nd, 2015
By Byron Moore, posted March 2, 2015

Originally published in The News Star and The Shreveport Times on Sunday, March 1, 2015.

Question: When you do a financial plan, do you fund your retirement first or get out of debt? Is trying to save on taxes part of it? And my husband says we spend too much money on insurance, but I worry we don’t have enough. We’re all over the map! Where should we start?

Answer: Start with the most important thing – to you.

Living within your means is an illusion

Submitted by Byron Moore, CFP® & Mike Jones on February 24th, 2015
By Byron Moore, posted February 24, 2015

The following column was published in The News Star on Sunday, February 22, 2015.

Question: My wife and I bought a new house last year and spent more than we had planned. Expenses that go along with it are also a bit more than expected. We are still living within our means, but we can’t save anything right now. But we’re not going into debt or anything. Are we OK to be where we are for a while?

Answer: No.

Living within your means is an illusion, and when you are awakened from your dream, it will be too late.

The real problem with tax refunds

Submitted by Byron Moore, CFP® & Mike Jones on February 17th, 2015
By Byron Moore, posted February 17, 2015

The following column was published on thenewsstar.com on Saturday, February 14, 2015.

Question: Every year I look forward to getting my tax refund. Sometimes we pay off some credit cards with it and other times we take a little vacation. I have friends at work that say I’m giving the government a free loan, but I can’t see that I would do any better with it in the bank. What do you think?

Answer: Back when savings accounts were paying 5%, your friends had a point.

Podcast - Get a Financial Coach

Submitted by Byron Moore, CFP® & Mike Jones on February 13th, 2015
By Byron Moore, posted February 13th, 2015

The following segment first aired on KEDM 90.3 on December 10, 2014

If you keep doing what you’re doing, you’ll keep getting what you’re getting. The way to break the cycle?  Instruction, motivation and accountability.  My advice -- get a coach!
Click the picture above to play/pause audio.
 

Podcast - Five stages of financial grief

Submitted by Byron Moore, CFP® & Mike Jones on February 5th, 2015
By Byron Moore, posted February 5th, 2015

The following segment first aired on KEDM 90.3 on November 26, 2014

About 45 years ago, Elizabeth Kubler-Ross wrote that when she dealt with terminally ill people they went through five psychological stages before they died.  Actually, a similar phenomenon can be experienced by people when they begin to come to grips with their own frustrations about money. 

Five stages of financial grief.jpg

     
 

Podcast - Lessons from growing up poor

Submitted by Byron Moore, CFP® & Mike Jones on January 30th, 2015
By Byron Moore, posted January 30th, 2015

The following segment first aired on KEDM 90.3 on November 19, 2014

If you grew up poor or otherwise disadvantaged, may you be only the first of many in your family to learn from, and not lean on, life’s difficult experiences.Lessons from growing up poor.jpg

     
 

Perseverance beats perfection in changing bad habits

Submitted by Byron Moore, CFP® & Mike Jones on January 26th, 2015
By Byron Moore, posted January 26, 2015

The following column was published in The News Star on Sunday, January 25, 2015.

Question: My husband and I set a goal this year of getting out of debt. Everything except the house. We’ve made some progress, but we are both finding it harder than we thought to slow down our spending. Frankly we both blow it under stress or when we’re not careful. Should we just bag it and try again when life is less stressful? 

Answer: “When you’re going through hell, keep going.” 

Podcast - Disaster scenarios... we love them!

Submitted by Byron Moore, CFP® & Mike Jones on January 23rd, 2015
By Byron Moore, posted January 23rd, 2015

The following segment first aired on KEDM 90.3 on November 12, 2014

Don’t be so busy fretting about the end of the world that you fail to realistically prepare for what might happen to your world if it doesn’t.Disaster scenarios.jpg

     
 

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