by Ralph Bender, MBA, CFP® | Credit Management, Financial Plan, Videos
“Honestly, I’m not spending any more than I make, but there’s nothing left for savings.” “Let’s take a look at where your money goes, starting with the credit cards.” “I’m never late. I’ve got them set to take the minimum payment right out of my checking account!” “uh...
by Ralph Bender, MBA, CFP® | Credit Management, Enduring Principles, Financial Plan, Motivation, Running Money ®
“Honestly, I’m not spending any more than I make, but there’s nothing left for savings.” “Let’s take a look at where your money goes, starting with the credit cards.” “I’m never late. I’ve got them set to take the minimum payment right out of my checking account!” “uh...
by Ralph Bender, MBA, CFP® | Client Stories, Credit Management, Motivation, Videos
Damien comes from a troubled family. Issues cascade from one generation to the next, like a series of waterfalls, crashing on the rocks below, then raging through the rapids, until cascading over the next cliff. But Damien’s paddling hard against the current to get...
by Ralph Bender, MBA, CFP® | Client Stories, Credit Management, Financial Plan, Videos
Nate and Sarah bought the new house, well a property, really. It’s got beautifully landscaped yards; Jacarandas, Mimosas, Canna Lilies, and many other varieties which take shade from a 60’ tall Italian stone pine tree where falcons, owls and hawks regularly perch. But...
by Ralph Bender, MBA, CFP® | Client Stories, Credit Management, Enduring Principles, Financial Plan, Videos
Nate and Sarah just bought the house of their dreams. Five years they planned for making this move. Their kids grew up in the old house, it worked just fine, but Nate didn’t want a tract home as his forever home. So, they started looking at places, even before they...
by Ralph Bender, MBA, CFP® | Client Stories, Credit Management, Financial Plan, Motivation, Protecting Family Money, Videos
Charlie wasn’t always unusual. She used to keep up with her friends’ spending habits, and ultimately, lived week-to-week, paycheck-to-paycheck. Then a crisis she was not prepared for hit her family. It surprised her when she realized how much she needed mom and dad....
