Figueroa Financial - Latest Comments

Re: Ready To Buy a House? 3 Questions To Ask Yourself.

Jose Figueroa — Mon, 18 Aug 2014 18:22:15 -0000

Thank you Taz for the comments and for the great information!

Re: Ready To Buy a House? 3 Questions To Ask Yourself.

Taz Bright — Mon, 18 Aug 2014 15:27:00 -0000

Really great article as always. Purchasing a home is not something that should be taken on lightly.
One option I believe should be consisted is a "Small or Tiny" home. Upon hearing the phrase Tiny Home many automatically think, "I can't fit my family in a house that small" or they think, "Where will I put all my stuff? "
Both are legitimate concerns but what's more important are the facts like
1. More Tiny Home owners have zero mortgage than traditional home owners
2. There are more Tiny Home owners with zero credit card debt than traditional homes owners with credit card debt.
3. Most Tiny House owners have around $10,000 in savings, not ship with traditional home owners

Tiny House ownership can liberate us from major, long-term debt, worry about money & the fear of one major life event causing financial woes.

Re: What if I lose My Job?

cothamsaigon — Tue, 01 Jul 2014 04:25:05 -0000

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sense of wanting to help, but not knowing how or where, is something a lot of
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Re: What if I lose My Job?

hâhhaa — Mon, 30 Jun 2014 22:06:31 -0000

This is the perfect blog for anyone who wants to know about this topic. You know so much its almost hard to argue with you (not that I really would want…HaHa). You definitely put a new spin on a subject thats been written about for years. Great stuff, just great!

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Re: What if I lose My Job?

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Re: Back to Basics: Regain Control of Your Money with a Budget

Jose Figueroa — Tue, 13 May 2014 06:56:55 -0000

Thanks Taz! Indeed, the budget will give your money added strength!

Re: Back to Basics: Keep Track of Your Money

Jose Figueroa — Tue, 13 May 2014 06:56:10 -0000

Thank you Taz! It is good to go back to fundamentals about our money. We all can use reminders!

Re: Back to Basics: Regain Control of Your Money with a Budget

Taz Bright — Tue, 13 May 2014 02:37:26 -0000

Good article. I've heard it said (& I agree) that a budget is "how you tell money to work for you" instead of you constantly working for money.

Re: Back to Basics: Keep Track of Your Money

Taz Bright — Tue, 13 May 2014 02:34:36 -0000

This is a really good reminder for those just starting to be financially responsible and to financial veterans. A Net Worth Report is often overlooked. Thanks for your reminders and great blogs.

Re: 3 Questions to Ask Your Financial Planner

Jose Figueroa — Tue, 29 Apr 2014 22:24:35 -0000

Yes, independently and well, that's the idea. Thanks for the comment!

Re: 3 Questions to Ask Your Financial Planner

susan wilson — Mon, 28 Apr 2014 18:50:46 -0000

I like your expression of "retiring with dignity." It speaks to our desire to live independent and live well. Great article.

Re: 3 Questions to Ask Your Financial Planner

Jose Figueroa — Tue, 22 Apr 2014 07:09:30 -0000

Yes, debt freedom can set you on the right path. Thanks Kizna Jade!

Re: 3 Questions to Ask Your Financial Planner

kizna jade Foster — Tue, 22 Apr 2014 03:28:56 -0000

Getting out of the debt can give us a happy life. Financial tips articles like this are worth reading. Thanks!

Re: Is There Still Hope For My Finances?

Jose Figueroa — Thu, 30 Jan 2014 15:44:06 -0000

Thank you sir! Yes, I want to emphasize hope. People can win with money!

Re: Is There Still Hope For My Finances?

Taz Bright — Thu, 30 Jan 2014 14:32:00 -0000

I love that you've addressed this topic. People need to know there is ALWAYS hope for their finances.
Combining the mindsets of "Big Thinking" w/ "Small Steps" is absolutely essential to financial success.
Great job!

Re: Budget Priorities: If I Had To, What Would I Cut?

Jose Figueroa — Mon, 27 Jan 2014 18:42:26 -0000

Absolutely! There is always an opportunity cost. What can I do with that money? Knowing and sticking with those priorities allows you to win. Thanks for the comment!

Re: Budget Priorities: If I Had To, What Would I Cut?

Taz Bright — Mon, 27 Jan 2014 11:49:36 -0000

Before my wife & I got married she became unemployed so she decided to cut back. She canceled all non-essentials including cable. We have yet to put cable back into or lives. Instead we put that money towards reducing debt, savings, emergency fund, etc.
Living this way allows us to have a reserve so that if we become unemployed again we'll have less to worry about.
Willingness to cut back during unemployment is a good attribute to have. But, the fact that we can live without certain things when we don't have a job proves we can live without them before reaching that point.

Re: Winning Money Habits: Track Your Money

Jose Figueroa — Wed, 15 Jan 2014 07:58:05 -0000

Yes! You have to see it on paper so it becomes real. Thanks for the comment brother!

Re: Winning Money Habits: Track Your Money

Taz Bright — Mon, 13 Jan 2014 12:51:46 -0000

I love and totally agree with this article. It is amazing what can be accomplished when you can actually SEE where your money is going. Humans are visual creatures. It's only when we see the problem can we appreciate its scope and the work needed to fix it.

Re: The Lottery Won’t Be Your Christmas Miracle

Jose Figueroa — Mon, 23 Dec 2013 15:21:24 -0000

Hey Brent! I know, it can be very tempting! Thanks for commenting and Merry Xmas!!!

Re: The Lottery Won’t Be Your Christmas Miracle

Brent Pittman — Mon, 23 Dec 2013 14:48:09 -0000

I pass by a sign everyday that shows the totals. Even, I thought about playing for a moment before I came to my senses.

Re: The Lottery Won’t Be Your Christmas Miracle

Jose Figueroa — Wed, 18 Dec 2013 08:48:21 -0000

Thank you Tax! I agree with you. The pot gets bigger on the backs of the people who could least afford it.

Re: The Lottery Won’t Be Your Christmas Miracle

Taz Bright — Wed, 18 Dec 2013 03:33:50 -0000

It amazes me that lottery players don't seem to grasp one particular truth: The larger the pot the more losers have gone before them.
Part of each purchase of a lottery ticket gets added to the "pot". So the fact that this drawing is so large means there are a LOT of folks out there with LESS MONEY in their pockets & zero winnings.
Really good article.

Re: 7 Reminders for the Holiday Season

Jose Figueroa — Fri, 22 Nov 2013 16:43:42 -0000

Thanks Deb! Those are wonderful suggestions. We still do the "snail mail" Christmas Cards and we love receiving them as well. I also love your reminder to SMILE. That's a big one! Have a Happy Thanksgiving!

Re: 7 Reminders for the Holiday Season

Deb — Thu, 21 Nov 2013 15:56:04 -0000

Thank you for hopefully reminding many that Thanksgiving is not "prepare to shop" Day! :)
You're suggestions are wonderful. I would add "snail mail" Christmas Cards to Family, friends and if you're inclined, Soldiers (through the Red Cross etc,) Also, give Special notes, a call, and /or Time to people you know may be struggling after loss of a loved one. Ask local schools, clinics & churches & nursing homes if there's any little thing that may help. I volunteer with decorating the schools, feeding visiting reindeer, read to children.. etc! :)
**Above all, SMILE, Be Kind, Patient and Loving**
Wonderful Holiday Season to all.
Blessings, ~Deb