DRJ blog header 10 2018

Budgeting Essentials

Helping you master the practical essentials of Budgeting, Cash Flow, Accounting and Debt Relief.

This blog addresses Debt Relief issues and tips for people who want to learn more about debt and get out of debt.  The posts give you practical definitions and suggestions on debt relief.  Learn how to get out of debt so you can do what you want with your money!

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This blog addresses Debt Relief issues and tips for people who want to learn more about debt and get out of debt.  The posts give you practical definitions and suggestions on debt relief.  Learn how to get out of debt so you can do what you want with your money!

Sign up to receive weekly post notifications in your inbox.  We respect your time and appreciate your joining us for these posts.

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Personal Debt vs. Personal Spending

When you are on a Debt Relief Journey, you may be tempted to focus on the debt aspect of the journey. But in order to be successful, you are going to have to focus on changing your spending habits.  Learn more in today’s blog. 

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 reasons not to refinance your loans

When you are feeling the pressure of debt, it can be tempting to grasp for solutions that sound like they will eliminate your debt.  While there are instances where refinancing could be appropriate, for most people a refinance loan is not a good idea.  Learn  more in today’s blog. 

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 tips to recession proof your finances

When it comes to the economy, you don’t have a choice about when a recession will hit.  But just because a recession comes, doesn’t mean you have to participate.  Use these tips to recession proof your finances.  Learn more in today’s blog. 

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 Reasons to get debt free Today!

When things get tight in a recession, most people have to cut back on what they are doing.  Debt payments are not adjustable.  Those payments have to be made regardless of the state of the economy.  But when you are debt free, you don’t have those obligations.  You have more options than people who are in debt.  Find out how to get debt free in today’s blog. 

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 tips to recession proof your finances

When it comes to the economy, you don’t have a choice about when a recession will hit.  But just because a recession comes, doesn’t mean you have to participate.  Use these tips to recession proof your finances.  Learn more in today’s blog. 

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© 2019 Dan Heiland 2019 Kat Heil, LLC

Don't wait for Economic Hard Times to Pay Down Debt

The economy goes up and down regularly.  Sometimes the ups last longer, but eventually the market makes a “correction” and a recession occurs.  You want to be prepared before a recession hits.  That is why you should look at these 5 reasons to eliminate debt before a recession hits.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 reasons to update your personal budget regularly

One of the first steps on your Debt Relief Journey is to create a budget that allows you to pay off your debt. But if you want to be successful on your Debt Relief Journey, creating that budget is not a one-time event. Learn more in today’s blog. 

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© 2019 Dan Heiland 2019 Kat Heil, LLC

Discontent = Enemy of Debt Relief

Discontent puts you in a frame of mind that buries you in a sea of despair and hinders your progress on your Debt Relief Journey. Contentment, on the other hand, lifts your head above your circumstances and fills you with hope for the future.  A future in which you can be debt free. Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 tips for Overcoming Overspending

Periodically, you may find that you have overspent your budget. While overspending slows your debt relief journey, it is not the end of your journey. Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 reasons to see yourself debt free

20190730 5 Reasons to See Yourself debt free

If you always think of yourself as being in debt, then you will always be in debt. But when you see yourself debt free, you can become debt free. Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 Ways to Get Debt Payoff Minded

Any time of the year is a great time to make adjustments that will help you improve your debt relief journey. You can never start too soon! Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

See yourself succeeding or struggling?

How are you looking at your debt relief journey? Do you see yourself succeeding or struggling?  However you see yourself will determine how your journey will turn out. Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 reasons debt shouldn’t be “Normal” for you

Many people are taught that you have to go into debt in order to purchase things that you want. But should that be normal?  Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

5 Things you can do when you are debt free

One of the things that you should do on your debt relief journey is picture what life will look like when you are debt free. Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

How to Deal with Naysayers

When you are on your Debt Relief Journey, you will come across people who don’t understand what you are trying to accomplish.  They are often the ones who have big plans, but never seem to follow through on them.  They may even be friends and family members.  Learn how to deal with them in today’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

How to Overcome Weakness

Today is the day. The only day. Tomorrow is not here and never will be. When tomorrow does come, it won’t be tomorrow, it will be today.  So, make the most of today.  Do things today that will bless you, your family and others moving forward. Learn more in this week’s blog. 

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© 2019 Dan Heiland 2019 Kat Heil, LLC

Debt Relief Begins Today-With You!

Wanting something does not mean that you are willing to do what it takes to achieve what you want.  What do I mean?  Some wants are simple to obtain, while other wants take time and discipline to obtain.  Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

A Healthy Body vs. Debt Freedom

Maintaining a healthy physical lifestyle is far more than just a noble pursuit. A healthy body can mean a healthy mind and healthy relationships! Learn more in this week’s blog to discover 5 simple ways to improve your physical health…

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© 2019 Dan Heiland 2019 Kat Heil, LLC

What your words say about YOU...

The way we think and believe, the people we hang out with, the movies we watch, and the books we read all profoundly impact our words.  Our words can also help or hinder us on our Debt Relief Journey. Learn more in this week’s blog to discover 4 tips for guarding the tongue…

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© 2019 Dan Heiland 2019 Kat Heil, LLC

How Singing Lifts your Morale

The leader of an Antarctic expedition asked applicants if they could sing. The reason for his question revolved around the high priority he placed on maintaining morale in the face of danger and severe conditions.  This also applies to your Debt Relief Journey.  Learn more in this week’s blog.

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© 2019 Dan Heiland 2019 Kat Heil, LLC

DEBT on my mind free class

Many people are caught in the debt cycle.

Learn how to reduce your debt yourself!

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