Help For The Beginner

We Can Help You

Green marker with the words We Can Help You

Have you ever tried to get on track with your finances and everywhere you turn, it seems as if people are talking over your head?

I have been doing a lot of research so that I know how better to help you. My main objective is looking to see what’s out there to help you, the beginner, on the path to a debt-free lifestyle.

I am not trying to talk the language of a seasoned investment broker, a financial planner, or a wealthy tycoon with many different assets.

I want to help the young person with a pile of student loans from their college education. I am looking for a young couple who already have a new family started but was never educated on money matters. I can also help the business person who has so much on their plate that they don’t have time to make a budget. If you are a stay-at-home mom with the weight of the entire household and finances on your shoulders, we can help you.

If you are managing to keep your bills paid on time and need a little help with a budget, we can help you.

If you are just a beginner on the money matters scene and you have no idea about investments and don’t need to know right now, we can help you.

If you have gotten in over-your-head with credit cards and too much month left at the end of the money, we can help you get back on track.

Are you the one that has a great credit score but you have several credit cards, a couple of car payments and a home mortgage? Maybe you just need your eyes opened to the fact that you can attain a lifestyle free of debt. That was me several years ago. I had never really thought about the fact that I could actually get my mortgage paid off years ahead of time.

Staying on a budget is not easy and it takes discipline, but if you really want to improve your situation, we can help you.

There are no fancy fixes to getting your finances in order but there are some simple old-fashioned principles that still work.

1) Keep a payment notebook with due dates, amount due, and name of the person you owe.

2) Record your check number, if you still pay by check, and the date that you paid the bill. I have saved my family a lot of money by having the proof of payment and the date documented. If you ever have to call in and talk to customer service about a bill, get the name of the person you spoke to and write it on the bill with the date you talked to them.

3) Do your homework on your bills. Always be diligent and pay your bills on time, if you can. Don’t allow yourself to make costly mistakes just because you forgot.

4) Let me just invite you to hang around for a year or so. Let’s see where your mindset and your financial situation is a year from now.

I challenge you to ask yourself, “What if these very simple steps actually work?”

Go to the top and grab our newsletter! Let’s get to know each other and stay in touch. This process of a debt-free lifestyle may take a few years. We might as well enjoy a great relationship along the way!



Michelle Drinkard is a Powerful Woman of God who has been married to a sweet Preacher of the Gospel for over 20 years. She is a mother to two amazing children! 🙂 She is helping people – one step at a time – to take control of their spending habits, stretch their money and get out of debt with reality-based principles. Michelle will tell you like it is… in a REAL, no-fluff, back-to-basics way that produces RESULTS.



10 Replies to “Help For The Beginner”

  1. These are great tips! My husband and I are in the process of making some positive changes in out finances and paying off some debt. All the things you talked about really do help! I too have made mistakes because I forgot and then kicked myself for having to pay a fee!

  2. Absolutely love this. I didn’t think of that, having those dates recorded could really help out. I pay most of them virtually and I really should do that for them as well so I can accurately tell them what time and when. Even they make mistakes.

    1. I am a stickler for details, when it comes to MY money. YES, lots of mistakes are made. Some things I let go just because I don’t want to have to be on the phone to deal with it over a few dollars. Here’s the thing… It’s our money and we make agreements with people for the exchange of services for a set fee. If someone breaks that agreement, we fix it or move on to another provider. When someone is barely getting by and paying their bills on time is important to them, a mistake as small as $3 could cause an avalanche of bank fees, etc.
      Thanks so much for commenting 🙂 Maybe someone will be helped by this conversation.

  3. Great tips Michelle. I never thought of something as simple as a payment notebook. I think I could just make a chart to make sure thing that are not auto-scheduled still get paid on time. I’m adding it to my “do it” list, thank you!

    1. Hey Charlene, Life is so much easier when we can get Auto-scheduling going! I love not having to worry about things being paid on time. 🙂

  4. I’m in the process of getting my finances all worked out so that we can pay off our debt rather than keep incurring it :).

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