Living a Life Free of Debt
A blog by Nicole Kobziewicz
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…
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 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 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 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 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 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 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 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…