by Joseph Francis | Oct 9, 2018 | Budget Boss, Budgeting, Budgets, Cash Flow, 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, Goal Setting, Goal-Oriented Planning, Jobs, Joseph James Francis, Money, Money Coach, Money Mentor, Saving, Saving Money, Wasteful Spending, Wealth, Wealth Building, Wealth Mindset, Wealth Planning
Tuesday, October 9, 2018 Stop Living Paycheck to Paycheck Why is Friday always the most popular day of the week? The answer is pretty simple. For most people, it means they don’t have to go back to work for 60 hours. 50% of the time it is also payday for the majority... 
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... 