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E3 Financial Coaching

Reaching your financial, budgeting and debt goals in Cincinnati OH

Personal financial coaching whether you need to get out of DEBT, build WEALTH or build a BUSINESS
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Over 60 and student loans

May 10, 2017 By E3 Financial

Over 60 and Student Loan Debt

Many believe student loans are only a problem for college age students but after reading a report from the Consumer Financial Protection Bureau we’ve determined student loans are becoming a big issue for Americans over the age of 60.  According to the CFPB report entitled Snapshot of older consumers and student loan debt the number of consumers age 60 and older with outstanding student loan debt quadrupled from 2005 to 2015. These 60 and older Americans in 2015 had on average $23,500 in student loan debt compared to an average of $12,100 in 2005. In total, Americans over the age of 60 owed $66.7 billion in outstanding student loans in 2015.

What might surprise you is most of these student loans are not [Read more…] about Over 60 and student loans

Filed Under: Budgeting, Debt Tagged With: Budgeting, debt, debt elimination, debt snowball, eliminate debt, student loans, zero-based budget

Why pay off your smallest debt balance first

May 7, 2017 By E3 Financial

Credit card debt and debt snowball

At E3 Financial Coaching we love helping people eliminate debt from their life. We have seen in our own life and many of our client’s lives how the weight of debt prevents you from reaching your financial goals. 4 out of 10 Americans with debt spend half of their income on servicing their debt. That is a lot of money to give to someone else. Yes we said “give” to someone else. Image if you could eliminate your debt and keep the money your paying in interest each month for yourself. How quickly could you reach your financial goals?

When providing financial coaching we show people how to use the debt snowball technique to eliminate their debt. E3 Financial Coaching teaches our clients to pay off their smallest debt amount first not the largest interest rate debt first. Our clients always ask, why would I do that when I’m paying more interest on the higher interest rate? The answer is simple; [Read more…] about Why pay off your smallest debt balance first

Filed Under: Debt, Financial Plans Tagged With: debt elimination, debt free, debt snowball, eliminate debt

My credit score is zero how do I buy a house?

April 19, 2017 By E3 Financial

I want to buy a house in Cincinnati Ohio

A question we get all the time is how are you going to borrow money if you have a credit score of zero? Our answer is simple, we never plan to borrow money ever again, from anyone or for any reason. The next question we get is what about when you want to buy another house? That answer is simple too, we plan on paying cash for our next house! We are serious no more debt for anything, anybody or any reason.

We have kicked debt out of our lives and plan to never borrow money again, even for our next house. We have built relationships with small home town banks and credit unions. We know the bank managers by name and they know us. If we ever changed our mind, highly unlikely, and needed to take out a mortgage, [Read more…] about My credit score is zero how do I buy a house?

Filed Under: Debt, Financial Plans Tagged With: credit score, debt free, eliminate debt, loans, mortgage

Oh NO My Credit Score is Dropping!

April 17, 2017 By E3 Financial

My credit score is dropping in Cincinnati Ohio

OH NO my credit score is dropping what do I do? For far to many people this is a scary thing and begins to affect your everyday life. We understand why you are scared about your FICO score dropping. The banks and FICO have brainwashed us to “bow at the altar of the all mighty FICO god”. The problem is your FICO score has nothing to do with how financially secure you are. Your FICO score doesn’t even take into account how much money you make or even how much money you have in savings. Dave Ramsey reviewed how your FICO score is calculated and found out  [Read more…] about Oh NO My Credit Score is Dropping!

Filed Under: Debt, Financial Plans, Savings Tagged With: credit score, debt elimination, debt free, debt settlements, FICO Score, Financial Peace

What did that TV really cost on credit?

March 25, 2017 By E3 Financial

Cost of Flat Screen TV on credit

Have you ever sat down and calculated what your new 70″ flat-screen TV cost when you bought it on your credit card? Pretend you just bought a new $2,000 4k ultra HD TV on your credit card with a 18% interest rate.  Your minimum payment would be ~$60/month and it would take you close to 9 years to pay it off.   [Read more…] about What did that TV really cost on credit?

Filed Under: Debt, Savings Tagged With: Budgeting, cash, credit interest, debt, interest

Eliminate Bank Fees from your life

March 19, 2017 By E3 Financial

According to the Wall Street Journal, Bank Overdraft-Fee revenue bounces back. Bank account holders paid 33.3 Billion dollars in overdraft fees in 2016. You heard me right that is Billion with a BIG B.  Those are just the people who actually signed up to be able to pay them. Banks have seen this revenue source increase 2.5% from 2015. [Read more…] about Eliminate Bank Fees from your life

Filed Under: Budgeting, Financial Plans Tagged With: Budgeting, financial plan, no bank fees, overdraft fees, stop overdraft fees

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513-685-0186
E3 Financial Coaching
4030 Mt Carmel Tobasco Rd Suite 226,
Cincinnati, OH 45255

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