by Joseph Francis | Dec 4, 2017 | Budget Boss, Budgeting, Budgets, Credit, Credit Cards, Debt, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Health, Financial Independece, Financial Plan, Financial Planner, Joseph James Francis, Saving, Saving Money, Student Debt, Student Loan, Student Loan Debt
Monday, December 4, 2017 7 Deadly Credit Mistakes I watch the business news every day and a popular topic is always how much debt we are in as a country. Makes you think why we give the government such hell for getting into debt with our tax money when we do the same... 
by Joseph Francis | Dec 1, 2017 | Budget Boss, Budgeting, Budgets, Cash Flow, Debt, Emergency Funds, Emergency Savings, Employment, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Health, Financial Independece, Financial Plan, Financial Planner, Goal Setting, Goal-Oriented Planning, Investing, Investment Strategy, Joseph James Francis, Money, Saving, Saving Money, Teaching Children About Money, Wealth, Wealth Building, Wealth Planning
Friday, December 1, 2017 The Crushing Blow of Negative Cash Flow Today is the first of the month. What that means for me is that this week I saw my bank account deplete from what I had built it up to during the course of the month. Boom, rent, boom cable, boom hydro,... 
by Joseph Francis | Nov 30, 2017 | Budget Boss, Budgeting, Budgets, Cash Flow, Debt, Education Savings, Emergency Funds, Employment, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Health, Financial Independece, Financial Plan, Financial Planner, Government Benefits, Group Health Insurance, Group Insurance, Joseph James Francis, Money, Saving, Small Business, Wealth, Wealth Building, Wealth Planning
Thursday, November 30, 2017 So, You Want to be an Entrepreneur? Can you Balance a Chequebook? en·tre·pre·neur noun A person who organizes and operates a business or businesses, taking on greater than normal financial risks in order to do so. Synonyms:... 
by Joseph Francis | Nov 29, 2017 | Budget Boss, Budgeting, Budgets, Cash Flow, Debt, Education Savings, Emergency Funds, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Health, Financial Independece, Financial Plan, Financial Planner, Goal Setting, Goal-Oriented Planning, Joseph James Francis, Latte Effect, Latte Factor, Minimalism, Money, Retirement, Saving, Saving Money, Wealth, Wealth Building, Wealth Planning
Wednesday, November 29, 2017 My Take on The Latte Factor I am a strong advocate for sacrifice to obtain a higher goal. I believe saving and investing takes dedication, hard work, and humility. I also believe that we should not punish ourselves by taking away the... 
by Joseph Francis | Nov 28, 2017 | Budget Boss, Budgeting, Budgets, Cash Flow, Emergency Funds, Emergency Savings, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Health, Financial Independece, Financial Plan, Financial Planner, Goal Setting, Goal-Oriented Planning, Joseph James Francis, Saving, Saving for a Down Payment, Saving Money, Wealth, Wealth Building, Wealth Planning
Tuesday, November 28, 2017 9 Tips for Maintaining a Positive Cash Flow I have met many people that just can’t seem to spend less than they make. At best, they can just barely get by, living for the next paycheque. I’ve been there, and I must admit, it is a crappy... 