by Joseph Francis | Mar 16, 2018 | Budget Boss, Budgeting, Budgets, Credit, Credit Card Debt, Credit Cards, Dave Ramsey, 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, Investing, Joseph James Francis, Money, Saving, Saving Money, Wasteful Spending, Wealth, Wealth Building, Wealth Planning
Friday, March 16, 2018 The Real Reasons for a Rainy-Day Fund I speak about it all the time but there is a reason for it. Before I got into the financial industry I saw the effects first hand. Not having money for a rainy-day was a bad place to be. It wasn’t a big deal... 
by Joseph Francis | Mar 14, 2018 | Budget Boss, Budgeting, Budgets, Emergency Funds, Emergency Savings, Employment, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Investing, Investment Strategy, Joseph James Francis, Life Insurance, Money, Net Worth, Registered Retirement Savings Plan, RRSP, Saving, Saving Money, Tax-Free Savings Account, Wasteful Spending, Wealth, Wealth Building, Wealth Planning
Wednesday, March 14, 2018 Prioritizing Your Spending As we are in Back to Basics Week here at Budget Boss, I think it is important to have a conversation about priorities. I have these conversations with my clients all the time. Dropping the word priority while we... 
by Joseph Francis | Mar 12, 2018 | Budget Boss, Budgeting, Budgets, Cash Flow, Dave Ramsey, Debt, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Goal Setting, Goal-Oriented Planning, Investing, Jobs, Joseph James Francis, Money, Saving, Saving Money, Wasteful Spending, Wealth, Wealth Building
Monday, March 12, 2018 What Kind of Budgeter are You? I have run into a lot of different spending styles over my first few years as a financial advisor. There are as many different types of budgets are there are people out there. To be totally honest, the majority of... 
by Joseph Francis | Feb 22, 2018 | Budget Boss, Budgeting, Budgets, Cash Flow, Debt, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independece, Financial Plan, Financial Planner, Investing, Investments, Jobs, Joseph James Francis, Money, Saving, Saving Money, Teaching Children About Money, Wasteful Spending, Wealth, Wealth Building, Wealth Planning
Thursday, February 22, 2018 7 Ways to Teach Your Children About Money Everyone wants the best for their children. We all want the next generation to have a better life than we did and that includes not having to struggle with money. Having been there before, I know... 
by Joseph Francis | Feb 21, 2018 | Budget Boss, Budgeting, Budgets, Debt, Debt Consolidation, Emergency Funds, Emergency Savings, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independece, Financial Plan, Financial Planner, Investing, Investment Strategy, Investments, Joseph James Francis, Money, Saving, Saving Money, Wasteful Spending
Wednesday, February 21, 2018 10 Items New Parents Waste Money On Let’s be real here, there is an epidemic of parent’s wasting money on useless crap for their children. A whole industry has emerged of baby wonder junk that will help you be a better parent overnight.... 
by Joseph Francis | Feb 16, 2018 | Budget Boss, Budgeting, Budgets, Cash Flow, Debt, Divorce, Emergency Funds, Emergency Savings, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independece, Financial Independence, Financial Plan, Financial Planner, Investing, Investment Strategy, Investments, Joseph James Francis, Money, Saving, Saving Money, Wasteful Spending
Friday, February 16, 2018 How to Handle the D…Divorce When I think of divorce I always go back to Mrs. Doubtfire. I conjure up thoughts of a deadbeat dad and an ambitious mother who is trying with all her might to hold the family together. I picture all the fighting,... 