Living a Life Free of Debt
A blog by Nicole Kobziewicz
Share Your Retirement Story: Be Part of a Legacy
As many of you know, the journey to retirement is as unique as each individual experiencing it. The highs and lows, the lessons learned, and the moments of serendipity all contribute to a narrative that’s truly personal and, more often than not, profoundly insightful. I’m excited to announce that I’m working on a new project…
The Importance of Emergency Funds: Tips from Owego’s Leading Financial Coach
The road to financial stability is paved with smart decisions and proactive planning. One foundational element that’s often overlooked yet is critical to financial health is the emergency fund. For residents of Owego, NY, understanding the significance of this fund has been made easier, thanks to insights from the town’s leading financial coach. What is…
Dave Ramsey Principles: Why Nicole Kobziewicz is a Ramsey-Approved Financial Coach
Many in the financial world regard Dave Ramsey as a guiding light for those seeking a path out of debt and towards true financial freedom. His principles have transformed the lives of millions. Among the champions of these principles is Nicole Kobziewicz of Owego, NY. So, what are these principles, and why is Nicole a…
How Budgeting with Nicole Can Transform Your Finances – Owego, NY
Navigating the financial currents of life can be daunting, especially without a guiding hand. For the residents of Owego, NY, that guiding hand often comes in the form of Nicole Kobziewicz. Here, we explore how budgeting with Nicole can not only transform your finances but also pave the way to a more secure, prosperous future….
Unlocking Financial Freedom: An Intro to Debt Snowball with Nicole Kobziewicz
Every day, countless individuals are burdened by the weight of debt, uncertain about how to navigate their way out. But what if there was a method, proven and efficient, to help you free yourself from this financial prison? Welcome to the world of the Debt Snowball, a technique popularized by financial guru Dave Ramsey and…
Securing Your Financial Freedom: Maximizing Your Savings
Financial freedom is not just about how much money you make but also how much money you get to keep. While increasing your income is important, it’s equally crucial to focus on maximizing your savings and reducing unnecessary expenses. In this blog, we will explore strategies to help you keep more of your hard-earned money…
Preparing for Retirement: The Power of Debt-Free Living
As retirement approaches, the desire to be in the best financial position becomes increasingly important. One way to ensure financial stability during your golden years is by prioritizing debt-free living. By eliminating debt, you create a solid foundation that allows you to weather any ups and downs in the investment market and enjoy a more…
The Key to Maintaining Financial Freedom: Be Prepared
Financial freedom is a goal many of us strive for, as it allows us to live life on our own terms and pursue our dreams. However, achieving financial freedom is not a one-time accomplishment but an ongoing journey. The key to maintaining financial freedom lies in being prepared for any unexpected and expected circumstances that…
Embracing Financial Freedom: Exploring the Transformative Benefits of Financial Independence
Achieving financial freedom is a powerful milestone that opens up a world of possibilities and incredible options for one’s life. When you have control over your finances and are not burdened by monetary constraints, you can experience a newfound sense of empowerment and embark on a life of fulfillment and opportunity. In this blog, we…
Breaking Free: Leaving a Legacy for Your Children to Break the Generational Curse of Financial Dependence
Breaking free from the shackles of financial dependence is a powerful pursuit with the potential to transform not only your own life but also the lives of future generations. By creating a legacy for your children that breaks the generational curse of being a slave to the lender, you can empower them to live lives…
The Transformative Power of Financial Freedom: Navigating Life’s Unexpected Twists
Life is full of surprises, and even the best-laid plans can go awry. However, by achieving financial freedom, you equip yourself with the tools to navigate these unforeseen challenges with resilience and peace of mind. In this blog, we will explore the transformative results of being financially free when life doesn’t go as planned. From…
Pivotal health preparation for the young to mid-life years – Page 10
Now where should you keep these documents?*Fireproof safe or file*Safe deposit box (keep an updated document on what’s in there) Money and death make bad bedfellows, and can create enemies among previously loving family members. Do your family a favor, make your intentions clear—and save your family from themselves. Stay with exercise both physical and…
Pivotal health preparation for the young to mid-life years – Page 9
As you age, you’ll want to have a plan in place to carry out your last season as well as possible, reserving your physical and financial health. Years before retiring be thinking about your plan and purpose. Retiring often catches people off guard in regards to identity. Think about it for 40-50 years you found…
Pivotal health preparation for the young to mid-life years – Page 8
Have you ever heard that saying, “Not making a decision is making a decision?” Timing is everything when you age and are confronted with the state-to-state specific boundaries to the 5 yr look back, not knowing what your final day of life on earth is up. There are many times sensitive things in this later…
Pivotal health preparation for the young to mid-life years – Page 7
Put yourself in a position where you can switch careers, where one parent can stay home is you want to, where you dot have to work in a toxic environment that runs 100% against your own ethical and moral standards. Its not about how money you make it’s about how much money you keep. A…
Pivotal health preparation for the young to mid-life years – Page 6
Step 1: Save $1000 Emergency fund (EF) Step 2: Pay off ALL debt in order smallest to largest (except for the mortgage) If you have debts with same balance choose the one with the higher APR to pay off first. If you long to leave your assets to your loved ones keep in mind if…
Pivotal health preparation for the young to mid-life years – Page 4
Use a monthly budget so you can execute your STG/LTG (short/long term goals) because without a target you’ll miss every time. Paper vs digital each have its pros and cons so whichever you find yourself being consistent with is the one you should use. Set up an Emergency Fund. Establish some Sinking Funds. Sinking funds…
Pivotal health preparation for the young to mid-life years – Page 3
Next, I will break down several Next Steps to adulting. When it comes to leaving your parents’ house, you can try to afford your own place to rent but with current rental rates you may need a roommate to help increase your monthly margin especially if you are paying back large student loans. Rent is…
Pivotal health preparation for the young to mid-life years – Page 2
Wow, what an opportunity to further your education for less? Then there’s 4 years or more college education. If you chose this route, I recommend you are going because it’s the ONLY way to do what you want to do. It’s wise to do research before committing. For example, if I do this……then I will…
Pivotal health preparation for the young to mid-life years – Page 1
Young People, listen up because this chapter is for you! If you fall into the ways of our culture, it won’t be long before you find yourself drowning without a plan, without margin, and most importantly without peace. To know better is to do better. As a young adult you have a clean slate to…