Just keep swimming

              Dear Smart Money People, This is my favorite line from Finding Nemo in the production at Disney World in Orlando Florida. Guaranteed every time we see it, I cry. The scene is Dory is stuck in a fish net and Nemo sings “Just keep swimming.” The collective efforts…

How To Really Pay Off Your Credit Card

Hello Smart Money People, Here are some scary voices that use to live in my head: “Crap, I’ll never pay off this credit card” “UGH, I will never get out of debt” ”Sigh, This is just the way my life is.” “Duh, everyone has student loans, it is a part of life” Sound familiar? 

Personal Finance is, well, Personal

Dear Smart Money People, I have been teaching and coaching people on personal finance for a few years. I have come to realize it is highly personal, hence the name, personal finance. Bill and I were avid Dave Ramsey followers, and still do stick closely to his principles, however, we have adopted habits, routines and…