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E3 Financial Coaching

Reaching your financial, budgeting and debt goals in Cincinnati OH

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Savings

Articles dealing with savings. You can use this information to save money for cars, college, vacations and etc.

Choosing Freedom from Debt using HOPE

October 20, 2017 By E3 Financial

We had the privilege on Sunday October 15, 2017 to share our journey to financial peace with Connect Christian Church.  We talked about “Choosing Freedom” from debt and shared an acrostic for HOPE explaining how we chose freedom in 2009 and how you can choose freedom from debt as well. Check out the sermon video below:

The keys to finding financial peace and kicking debt out of your life is recognizing you need to be Honest with yourself, understand you have Options and Opportunities, have a financial Plan (aka a budget) and Execute your financial pan.

H – Honest with yourself
O – Options and Opportunities
P – Plan
E – Execute, no Excuses

We would love to do this more often and share our story with other churches. If we only encourage one person to choose freedom it is worth every minute. Feel free to contact us if we can help/serve your church or business.

[Read more…] about Choosing Freedom from Debt using HOPE

Filed Under: Budgeting, Debt, Financial Plans, Retirement, Savings

Our debt free scream with Dave Ramsey

October 8, 2017 By E3 Financial

Debt Free Scream with Dave Ramsey

Lao Tzu is credited with saying, “The journey of a thousand miles begins with a single step.” Our journey to financial peace started in 2009 when we were introduced to Dave Ramsey and his Financial Peace University. Our journey was not about a place to travel to, but a destination of freedom. Financial Freedom!

When we began our journey, we were slaves to our debt. But then (we love but then!) a friend shared his story and we found HOPE. If you want to read more about our journey here is our story…

Check out the video of our interview and debt free scream on the Dave Ramsey radio show and Dave Ramsey Show YouTube channel. Make sure you spend a few minutes to watch and share this article. We hope it inspires you and others to never give up. You can find Financial Freedom!

Our goal at E3 Financial Coaching is to help others find Financial Freedom just like we did. If you’re ready to have HOPE, submit a FREE financial consultation request today.

Behind the scenes of our debt free scream

First lets start by saying what a great experience it was. Dave’s team was fantastic and you can tell everyone enjoys what they do. Tish and I planned our debt free scream for October because it was also our Anniversary. What a great way to celebrate our life together; screaming at the top of our lungs “We’re DEBT FREE!!!”. We showed up at the studio an hour early, can you say we were eager to meet Dave. We got to talk with a Dorothy and other Ramsey Solution staff members but the best part was talking with our family friend Vanessa, who works for Ramsey Solutions.

With Vanessa at our Debt Free Scream

Little did Tish know I had been working with Vanessa on a surprise. When we paid off our house, Tish was disappointed that there wasn’t any balloons or confetti. So I was determined we would have confetti for our debt free scream.  Vanessa, Ashley and the rest of the SmartDollar/Financial Wellness team at Ramsey Solutions were awesome. I was able to smuggle confetti poppers from Cincinnati to Nashville without Tish catching on. Vanessa had a great plan. Ashley would distract Tish with outstanding conversation and charm while I helped Vanessa get something “heavy” from “her” car. Once Vanessa had the confetti poppers she distributed them and organized the team of “confetti makers” flawlessly. As you can see at the end of the video Tish was totally surprised!

The Interview with Dave Ramsey and some things we wish we could have said

The interview with Dave Ramsey was amazing. Debt Free Scream with Dave RamseyOnce he started asking questions it felt like we were just having a conversation with a friend. It also felt like it was only a minute or two but it was actually 9 minutes long.

While we got to say a lot during the interview there was a lot that we didn’t get a chance to say.

  • We wanted to let everyone know that anyone can do what we did. No matter your income level or situation. We have seen it first hand through coaching.
  • We wanted to let people know digging out of debt takes short-term sacrifice but results in long-term gains.
  • When we were in baby steps 2 and 3 we were gazelle intense and gave up everything; texting, cable TV, eating out, vacations, extra-curricular activities and etc. What is funny is now we don’t even want many of those things back.
  • We also sold so much stuff our kids and our dog thought they were next.
  • Most importantly wanted to share how eliminating debt from our life has freed us to be more generous givers to our family, friends and strangers. Not having debt payments has enabled us to write checks to help whoever we want instead of writing interest payment checks to our lenders.

Enabling us to be more generous givers has made all the sacrifice worth it! Tish and I wouldn’t trade it for anything and we would do it all over again just so we could keep giving more of what God has blessed us with away.

Filed Under: Budgeting, Debt, Financial Plans, Retirement, Savings Tagged With: Budgeting, debt free, debt free scream, Financial Peace, freedom

Plan a memorable not a regrettable vacation

June 26, 2017 By E3 Financial

Vacation without regret

How many times have you gone on vacation only to come home to remember you need to start paying for all the fun you had? The relaxed feelings and memorable times you captured on vacation quickly fade into financial stress and regret. Many people believe this cycle is inevitable and accept it year after year. You can take some simple steps to prevent this and ensure you have memorable vacations and note regrettable vacations. We will share with you some of the phases we go through when planning a vacation. Following these phases have enabled us to have the time of our lives on vacation. [Read more…] about Plan a memorable not a regrettable vacation

Filed Under: Budgeting, Financial Plans, Savings Tagged With: Budgeting, Cincinnati, saving, vacation, vacation budgets

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

The money class that will change your LIFE starting March 16th

January 7, 2017 By E3 Financial

Money class that will change your Life in Cincinnati Ohio

This is a money class that will change your LIFE. We are excited to be facilitating another Financial Peace University class with Connect Christian Church!

Sign-up here.

Feel free to contact us if you have any questions.

Filed Under: Budgeting, Debt, Financial Plans, Savings Tagged With: Budgeting, Financial Peace, FPU

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