Dan Murphy - FINANCIAL COACH

Every dollar is a choice.
And when you have a plan, the choices get easier.

There are two times of the year when things get particularly busy for a financial counselor.

Two times of the year when people assess their financial position, look back at a period of uncontrolled spending and lack of planning and decide, "you know what?  I need to get this thing under control."

One of those times is September/October when people have spent a bit more than they should have over the summer, they've borrowed for vacation and paid little attention to their long term financial plan.

The other time is January/February.  When the credit card bills start to roll in from unbudgeted Christmas spending.

It's time.  It's time to take a full review of your financial condition and set some goals.  Maybe they include paying down some credit cards or putting away money for emergencies.  Get started today and you can pay cash for Christmas next year.

Visit www.daveramsey.com/fpu to find a Financial Peace University class near you.  If you would prefer one-on-one counseling, give me a call.

You can do it.