by Joseph Francis | Jun 6, 2018 | Budget Boss, Budgeting, Budgets, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Insurance, Investing, Joseph James Francis, Money, Money Coach, Money Mentor, News, Saving, Saving Money, Student Debt, Student Loan, Student Loan Debt
Wednesday, June 6, 2018 Tomorrow we vote, but for who? Welcome to America North, my friends. Tomorrow we vote in my beautiful home province of Ontario. The choices are all less than stellar. On one hand, we have Andrea Horwath of the New Democratic Party promising... 
by Joseph Francis | Jun 4, 2018 | Budget Boss, Budgeting, Budgets, Cash Flow, Debt, Emergency Savings, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Joseph James Francis, Minimalism, Money, Money Coach, Money Mentor, Saving, Saving Money, Wasteful Spending, Wealth, Wealth Building, Wealth Planning
Monday, June 4, 2018 2018: The Summer of Booze? As we just rolled through our first full gorgeous week of weather this year, thoughts go to outdoor patios and backyard BBQ’s where the clothes get smaller and the drinks get bigger. Seems like summertime is synonymous... 
by Joseph Francis | May 16, 2018 | Budget Boss, Budgeting, Budgets, Debt, Emergency Funds, Emergency Savings, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Goal Setting, Goal-Oriented Planning, Joseph James Francis, Minimalism, Money, Money Coach, Saving, Saving Money, Wealth, Wealth Building, Wealth Planning
Wednesday, May 16, 2018 Frugality Now, Wealth Later The world we live in has become a place of choice. We have so much choice that it has become hard to know which choices are best for us. This often leads us to make the wrong choices or regretting the right choices... 
by Joseph Francis | May 14, 2018 | Budget Boss, Budgeting, Budgets, Debt, Emergency Funds, Emergency Savings, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Investing, Joseph James Francis, Money, Money Coach, Saving, Saving Money, Wasteful Spending, Wealth, Wealth Building, Wealth Planning
Monday, May 14, 2018 The Frugal Mindset Will Make Your Life Better We live in a very materialistic world. I know I myself have battled with the wants of this world versus the needs of a basic life. It is a constant struggle to not waste money on unnecessary junk, but... 
by Joseph Francis | May 11, 2018 | Budget Boss, Budgeting, Budgets, Credit, Credit Card Debt, Credit Cards, Debt, Debt Consolidation, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Joseph James Francis, Lines of Credit, Money, Money Coach, Saving Money, Wasteful Spending, Wealth, Wealth Building, Wealth Planning
Friday, May 11, 2018 10 Ways Having Bad Credit Affects You We all know that we need to keep our credit as squeaky clean as possible. What we don’t know is how having bad credit can impact us negatively in the future. Right when we are getting out of high school, banks... 
by Joseph Francis | May 7, 2018 | Credit, Credit Card Debt, Credit Cards, Dave Ramsey, Debt, Debt Consolidation, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Joseph James Francis, Lines of Credit, Money, Money Coach, Saving, Saving Money, Wasteful Spending
Monday, May 7, 2018 10 Tips for Paying Down Credit Card Debt Credit Card debt has become the bane of our generations existence. I remember my first credit card. I was 19 years old and the bank was more than happy to give me a card with a $1000 limit even though that... 