What You Need to Know About Zombie Debt

The phrase “zombie debt” may conjure images of the undead, but in reality, it refers to any past debt that still haunts you. Maybe you paid a bill late one time and now you’re getting calls from a debt collector. Maybe you co-signed a loan for your brother, and now he’s defaulted. Zombie debt can come from any source, and it can seriously affect your credit score.

If you have zombie debt, the first step is to figure out exactly what you’re dealing with. Pull your credit reports from all three credit bureaus and review them carefully. Make a list of all your debts, including the name of the creditor, the balance owed, and the interest rate. You may also want to get help from a credit counseling agency; many offer free or low-cost services to help you get your finances back on track.

Once you know exactly what you’re up against, you can start taking steps to deal with the zombie debt. If the debt is more than six years old, it may be too late to sue the creditor or collector for damages. However, you may still be able to negotiate a settlement or payment plan. If the debt is recent, you may be able to work out a payment plan or even get the creditor to forgive the debt altogether.

No matter what route you take, it’s important to act fast. The longer zombie debt hangs around, the worse it will be for your credit score. By dealing with it head-on, you can put this pesky problem behind you and move on with your life.

Many people think that zombie debt is just a scare tactic used by debt collectors, but the reality is that zombie debt can do major damage to your credit score. A single missed payment on an old debt can drop your credit score by 100 points or more.

Zombie debt can also lead to lawsuits, wage garnishments, and even bank account seizures. If you’re contacted by a debt collector about a debt that you don’t remember, it’s important to take action right away.

Here are some tips for dealing with zombie debt:

– If you don’t remember owing the money, ask the collector to send you proof of the debt.

– If the amount of the debt is incorrect, dispute the charge with the credit bureau.

– If you can’t afford to pay the debt, try to negotiate a payment plan with the collector.

– If you decide to pay the debt, make sure to get a written agreement from the collector stating that the debt has been paid in full.

If you’re struggling with zombie debt, it’s important to seek help from a qualified attorney or credit counselor. Don’t let these debts ruin your financial future – take action today!

person with empty wallet
Debt, Strategies, Tips

How To Pay off Credit Card Debt?

person with empty wallet
Many holding empty wallet

Photo by Towfiqu barbhuiya on Unsplash


How do you pay off credit card debt?


To start it is important to know your credit card balances as well as what your minimum payment on each is. It is also important to know your interest rates so you can develop a debt management plan.

There’s no one-size-fits-all answer to this question, as the best way to pay off credit card debt will vary depending on your individual situation. However, there are a few basic principles that can help you get started on the right track.

First, it’s important to increase your income if possible. This may mean finding a better-paying job or taking on extra work through freelancing or other side hustles. Even a small bump in income can make a big difference when it comes to paying down debt.

Second, take a close look at your spending and see where you can cut back. Even small reductions in expenses can free up money for paying off debt. Tracking your spending carefully can help you identify areas where you can make adjustments. Eliminate the use of the credit card and start using a debit card.

Last, consider using a debt payoff calculator to develop a specific plan for paying off your credit card debt. This can give you a concrete goal to work towards and help you stay on track. There are many different debt payoff calculators available online, so you should be able to find one that meets your needs. You can also use these fun coloring page print outs to track your debt payoff progress

Debt Snowball Vs Debt Avalanche

There are two main methods for paying off credit card debt: the debt snowball and the debt avalanche. The debt snowball method involves paying off your smallest debts first, while the debt avalanche method focuses on paying off your high-interest debt first. These debts are usually your credit card accounts, personal loans, student loans, and car loans.  Both methods have their pros and cons, so you’ll need to decide which one is best for you.


You have a lot of credit card debt and you’re not sure how to pay it off.


You may have heard of the debt snowball and avalanche methods, but you’re not sure which one is best for you.


The debt snowball method is a great option for people who want to see quick results. With this method, you focus on paying off your smallest balance first. This can give you a quick sense of progress and motivation to keep going. The debt avalanche method is a good choice for people who want to save money in the long run. With this method, you focus on paying off your higher-interest balances first. This can save you money on interest over time, but it may take longer to see results.

Both methods have their pros and cons, so you’ll need to decide which one is best for you. If you’re struggling with a lot of debt, it’s important to develop a plan and stick to it.


Balance transfer credit cards and debt consolidation loans are two of the more popular alternatives. I do not recommend either of these. A balance transfer credit card usually comes with balance transfer fees. While balance transfers do lower your overall interest rate for a set period of time, they also reduced your monthly minimum payments. By the time the promotional period expires, odds are you still will have a balance and more than likely have put a balance back onto your existing credit cards.  The issue is you did not address the why in your financial picture.

You can also try to get a personal loan to help pay off a credit card balance but given the state of your credit score, it’s highly unlikely that you would get a high enough loan to cover it. Even if you do you still may have not resolved the underlying cause of the debt and statistics show you are more likely to go back into debt before paying off your loan, therefore increasing rather than decreasing your overall debt load.

Debt Consolidation Loans

The same goes for a debt consolidation loan. It might reduce your total monthly payment amount and eliminate your credit card debts but all it does is shift your obligation.

A recent study by the Federal Reserve Bank of New York found that credit card balances increased for consumers who took out a debt consolidation loan.

The study showed that 43% of consumers who took out a debt consolidation loan increased their credit card balances within 18 months of taking out the loan.

This increase in credit card balances can be attributed to the fact that debt consolidation loans often have lower interest rates than credit cards.

While a lower interest rate may save you money in the short term, it can actually cost you more money in the long run if you continue to carry a balance on your credit cards.

I do not recommend debt consolidation loans for two reasons. The first reason is you are trading unsecured debt for secured debt. In other words, you are using your home as collateral for a loan that is used to pay off your credit cards. If you cannot make the payments on the loan, you could lose your home. The second reason I do not recommend debt consolidation loans is they usually have a longer repayment period than credit cards. This means you will be paying off the loan for a longer period of time, and you will end up paying more interest in the long run.

Debt Settlement

Another option is debt settlement. This option could potentially get rid of your debt faster but it will certainly spell trouble for your credit history and credit score. If you had excellent credit you will not after you get done with debt settlement. Most companies will not even begin to negotiate until after several missed payments. Missed payments mean late fees and even more debt is added to your balance. Not to mention interest charges that will continue to increase as well.

The key to success is to eliminate your credit card usage. Recognizing that you need a repayment plan or payment strategy for debt reduction and then implementing that plan by paying off debt quickly will provide you with interest savings which in turn will give you extra money to start paying the credit card companies faster. Whichever method you choose your goal should be to pay the entire balance as fast as possible.

Following these basic principles can help you pay off credit card debt more quickly and get your finances back on track. However, it’s always a good idea to speak with a financial coach if you have specific questions about your situation. They can help you develop a personalized plan for paying off debt and offer additional support and guidance while putting you on the right track for a debt-free life.

women filling out checks and budget
person doing a budget and writing checks

Photo by Green Chameleon on Unsplash

If you or someone you know is struggling with credit card debt, please don’t hesitate to contact J.R. Financial Coaching for help. We can provide you with a personalized plan for paying off your debt and offer additional support and guidance while putting you on the right track toward a debt-free life.

women struggling with money
Change, Strategies

How to overcome limiting beliefs about money

by Joey Ruffalo MBA-FP, J.R. Financial Coaching

Image by Gerd Altmann from Pixabay 

Limiting beliefs about money can be very detrimental to one’s success. These beliefs can hold you back from achieving your goals and reaching your full potential. To overcome these beliefs, it is first important to identify what they are. Once you know what your personal limiting beliefs about money are, you can begin to change them for the better. Staying motivated throughout this process is key, and there are a few strategies that can help. Finally, it is important to have a healthy relationship with money to experience financial freedom.

1. What limiting beliefs about money are and how they can hold you back

Everyone has different beliefs about money. Some people may see it as a source of fear or insecurity, while others may see it as a way to achieve their goals and dreams. However, if you have any limiting beliefs about money, they can definitely hold you back from achieving success.

Limiting beliefs are thoughts or ideas that keep us from reaching our full potential. They can be very harmful because they can prevent us from taking action and moving forward. In the context of money, these beliefs could be things like “I’m not good with numbers,” and “Money is the root of all evil.” “I would only be happy if I had all the money in the world” or “I don’t trust the stock market.” These are forms of financial anxiety.

If you have any limiting beliefs about money, they will likely manifest in your behavior. You may avoid dealing with money altogether, or you may make impulsive decisions without thinking about the long-term consequences. These behaviors can be very costly, and they can ultimately prevent you from achieving your financial goals.

Image by John Hain from Pixabay 

2. How to identify your personal limiting beliefs about money

The first step to overcoming your money-limiting beliefs is to identify what they are. Once you know what your beliefs are, you can begin to challenge them.

Create a list of all the things you believe about money. Once you have your list, take a close look at each belief. Are they based on fact or emotion? Do they empower you or hold you back? If any of your beliefs are based on fear or insecurity, it’s time to challenge them.

Once you have a list of your money-limiting beliefs, it’s time to start challenging them. For each belief, ask yourself if it is truly true. Ask yourself what money means to you? What brings you happiness in life? Is money really evil? Are you really bad with numbers? Do you have too much debt? Do you have enough money? What about retirement? If I don’t have enough money do I need some side income to help? When you start to question your beliefs, you may find that they are not as strong as you thought. Write down all of the negative thoughts that come to mind.

Image by Markus Winkler from Pixabay 

3. How to change your limiting beliefs about money for the better

After you have identified your money-limiting beliefs, it’s time to start changing them for the better. This is not an overnight process, but it is important to start taking steps in the right direction.

One way to change your beliefs is to reframe them. For example, instead of believing “Money is the root of all evil,” you could believe “Money is a tool that can be used for good or evil.” This may seem like a small change, but it can make a big difference in your mindset.

It’s also important to start changing your behavior. If you have been avoiding money, start to take small steps towards dealing with it. Open a bank account, start budgeting, start investing some extra money and begin to educate yourself on personal finance. Learn about topics such as compound interest and passive income. Meet with and interview a financial advisor. As you start to take action, your beliefs will begin to change. Having a money mindset points you in the right direction towards building wealth and helps your break free from your self-limiting beliefs and starts you on a path towards financial freedom.

Image by Mohamed Hassan from Pixabay 

4. Strategies for staying motivated to keep up with your new, positive beliefs about money

After you have identified your money-limiting beliefs and started to change them, it’s important to stay motivated. Again this is not a process that will happen overnight, and there will be setbacks along the way. However, if you keep up with your new, positive beliefs about money, you will eventually achieve success.

One way to stay motivated is to set small goals. For example, if your goal is to save $10,000 in one year, break it down into smaller monthly or weekly goals. This will help you stay on track and see progress over time in your bank account. Another goal designed to give a quick win is funding an emergency fund. This will give you a safety net for your financial situation and allow you to start to feel confident with money.

Another goal might be to pay off all your debt. You could use the snowball method which means paying off the smallest debt first, then using that payment plus any extra cash to pay off the next smallest debt as fast as you can, and so on until you are debt-free. No matter what your goals are it is important to focus on the specific situation and what you can control.

It’s also important to find a role model or mentor who can help you through this process. This could be a friend, a family member, or even a financial advisor. You could also work with a financial coach. A financial coach will help you identify your goals, outline your important decisions and help you decide if you can afford to spend, save or invest. They can also help you get to the root cause of your money anxiety to help you focus on your goals. Find someone who has overcome their money-limiting beliefs and achieved financial success. They can offer guidance and support when you are feeling discouraged.

Image by Mohamed Hassan from Pixabay 

5. The importance of having a healthy relationship with money

It’s important to have a healthy relationship with money because money is a tool that can help us achieve our goals. When we have a healthy relationship with money, we can use it as a tool to reach our full potential.

Money can make one feel overly stressed. Money can also provide an awesome feeling. Feeling good and understanding what financial freedom means is not just for rich people or those with a high income. It is not just an idea but something you deserve.

A healthy and good relationship with money starts with recognizing our own money-limiting beliefs. Once we identify these beliefs, we can start to change them for the better. This is not an easy process, but it is important to start taking steps in the right direction.

As we start to change our beliefs about money, we will also start to change our behavior. We may become more money-conscious and start to take steps towards financial success. Finally, we will find mentors and role models who can help us through this process. Having a healthy relationship with money is important because it allows us to use money as a tool to reach our full potential and maybe even be financially free.

If you want to achieve financial freedom, it’s important to start by recognizing and changing your money-limiting beliefs. This is not an easy process, but with the right tools and support, you can overcome any obstacle. Stay motivated by setting small goals and finding a role model or mentor who has achieved financial success. With time and effort, you can change your money mindset for the better and achieve all of your financial dreams!

Image by 3D Animation Production Company from Pixabay

About the Author:

Joey Ruffalo is a Financial Coach and the founder of J.R. Financial Coaching. He was honored as the Best of the East Bay Financial Service Winner and selected into Marquis Who’s Who in America. Joey was also selected as a Marquis Top 100 Professionals as well as a Marquis Top Business 2021. Joey has paid off over $370,000 in debt. 

Through his own personal finance journey and by helping others define their purpose, Joey has developed a plan of action that is centered around building a successful and positive experience with finances. His passion is evident in his work, as he helps those struggling with money create lasting change.

Strategies, Tips, Uncategorized

Is a Financial Coach Worth It?

Money piled around with title text layed on top

What is the difference between a financial coach and advisor?

If you’re looking to get your finances in order, a financial coach may be just what you need. A financial coach can help you create a budget, track your expenses, and save for your future goals. A financial coach is different than a financial advisor. They both fall under the umbrella of financial planning.

Financial coaches work with you to explore your money habits, help you develop financial goals and better money habits, think about your financial future while providing a type of financial counseling. A financial coach helps you build your financial skills leading to better money management. Most financial coaches charge an hourly rate or per session fee for coaching. The cost can vary depending on the client, and the amount of financial coaching needed.

A financial advisor/financial planner/certified financial planner will create a comprehensive financial plan consisting of investment advice, tax planning, retirement planning, insurance, and education planning all designed around growing wealth for their clients. Some financial advisors charge a flat rate for their services while others charge a commission on the financial products they manage.

A financial coach will work with you on understanding your relationship with money and financial advisors will work on your money’s relationship with the world. Having both is important to your financial life.

Here are some tips for working with a financial coach:

1. Be honest about your spending habits.

Your financial coach will need to know how much you’re currently spending in order to help you create a budget that works for you. Knowing how much you spend is important. Do you have credit card debt? How much is in your emergency fund? What is your income? Do you receive any type of financial support?

2. Be willing to make changes.

Creating and sticking to a budget takes commitment and discipline. Your financial coach will help you make the necessary changes so that you can reach your goals. Working with a financial coach can help you with your money management skills which include your financial decisions, recognizing your financial behaviors, and your financial literacy.

clipboard with Goals on top followed by 1, 2 and 3 below

3. Set realistic goals.

Trying to save too much or pay off debt too quickly can be frustrating and counterproductive. Work with your financial coach to set achievable goals that will help you improve your financial situation. Financial coaches tend to evaluate your current situation and help you plan for your future financial situation. Figuring out the cost of retirement, education, how much social security you might receive, and overall wealth you might have will help you and your coach not only set goals but a plan to meet them.

the word accountability spelled in black and underlined in red

4. Stay accountable.

One of the benefits of working with a financial coach is having someone to hold you accountable. Make sure to follow through on the plans and recommendations made by your coach. This will help you create healthy financial habits. Just like you would with a fitness coach, life coach, career coach, etc if you don’t follow through you won’t make progress.

If you’re ready to take control of your finances, a financial coach may be the right solution for you. Contact Joey at J.R. Financial Coaching to learn more about working with a financial coach. We are here to serve our clients, provide training, education, and help you make better financial decisions. No debt is too big, no income too small. We create a plan of action to complement your financial planning experience.

Budget Tip, Change, Debt, Strategies, Tips, Uncategorized

10 Things You Need to Checkoff Your Personal Finance Checklist Now!

  1. Do you know where your money is?

Often, we have a general idea of our finances. We use what I call ‘sort of math.’ I sort of have an idea; I think I have around, etc. With so much email and regular mail being received daily, it is easy to overlook or save for later, statements and letters from your bank, financial institution, advisor, broker, insurance agent etc. Knowing not only how much you have but where all that money is kept and managed is an important first step in feeling less overwhelmed.

2. Stay Organized, especially when it comes to your finances

What do we do once we have all our statements in front of us? Now it is time to organize time so we can track them and stay on top of things. There are websites, apps and even spreadsheet programs that will do a pretty good job of organizing and tracking your expenses. You can use Excel, Google Sheets, Everydollar, You need a Budget or my favorite Mint. Mint, for example links to your bank account allowing you to create specific categories that you can organize your expenses into. This allows to track categories over time. For example, how much coffee do you drink monthly at Starbucks? Knowing this information can give you a leg up on switching behaviors and help you to stick to the budget.

3. Have a budget and stick to it

Now that you know where your money is, and you have it organized all in one place it is time to make a budget. Budgets can be scary, but they can also be your best friend. They serve as a guide. When I work with clients the first session we dedicate to the budget. The budget is the foundation upon which your financial house is built. It shows you where your money is going and gives you not only the opportunity to make changes but to be intentional. Using the tools above like Mint, which also has an app allows you to always have access to your budget. This keeps you on target. Being intentional with your money assures you that nothing slips through the cracks, meaning all your money has an assignment and is working for you.

Mint App: Apple Store Google Play

4. Make a plan – know what you want your money to do for you

This one is fun to do. This is where you get to dream and create goals. After all isn’t the point of working hard and saving the chance to enjoy yourself. Having dreams and goals gives your financial life a purpose. We can focus on the enjoyable things we want to do when we don’t have to worry about money. Most of the time when people decided they need to tackle their finances they are already fearful and highly likely in debt. This can help refocus your energy into something positive. This is always a fun session with clients. We think in terms of short term (1-3 years), mid-term (3-7 years) long term (7-15 years) and retirement goals. We plug in these goals into a chart and clients print them out, tacking them up in places they see every day as a constant reminder of why they are staying the course.

5. Have an Emergency Fund to cover unexpected expenses

Now the work begins. In Dave Ramey’s 7 Baby Steps process, Baby Step 1 is to save $1000 in an emergency/rainy day fund. This a great way to give yourself a little breathing room between you and disaster. If you have children and gaps in insurance coverages, you may want to consider raising that amount to $2000-$2500. This gives you an easily attainable 1st goal, providing you with some much-needed positive energy heading into the next part, paying off debt. Once we pay off your debt you will focus on building this into a 3-6 month emergency fund, which all the experts agree is a smart financial move.

6. Pay off Debt as fast as you can using the debt snowball method

There are a few schools of thought on paying down debt. Two of the more popular approaches are the Debt Snowball and Debt Avalanche. Let’s examine both starting with the Debt Avalanche. The Debt Avalanche approach is where you start by paying off your highest interest rate debt first, attacking it until it is paid off then rolling the minimum payment into the next debt. The Debt Snowball is slightly different in that you list all your debt from smallest to largest, ignoring interest rates, and attack the smallest until it is paid off, rolling the minimum payment into the next smallest. Having an eye on the debt payoff prize is the ultimate goal.

There are several calculators and spreadsheet programs that you can use to determine the length of time and money saved by doing either method. What the Debt Snowball method has that the others do not is the element of Quick Wins. Achieving mini wins, in this case a payoff of your smallest debt, you feel motivated to continue, more engaged in the process and more willing to continue. You can even use these free Debt Payoff coloring pages to make your progress

7. Protect yourself and your loved ones

Insurance provides you with an extra layer of protection while you are in the process of building wealth. Inevitably something will come along, and it will end up costing you more than your emergency fund can handle. This is where insurance will come in handy. Insurance simply shifts the risk from you to the insurance carrier. You pay a monthly or annual fee for that privilege. There are many types of insurance to consider including: medical, dental, life, disability, identity, auto, homeowners/renter’s, umbrella and even pet.

It is not enough to just have coverage you need to determine how much is the proper coverage. As your needs change your coverage may change as well. For example, when you are single you have a small or even no life insurance coverage. When you get married you have another person or persons to consider if there are children. In this case you would need to obtain or increase your coverage to provide more adequate protection. Going to a website like Zander Insurance allows you to explore the different types of insurance and obtain quotes.

8. Retirement – Not as far off you might think

This is something that everyone thinks about, everyone needs, and some people don’t do anything or not enough about. At some point in time, you are going to want to stop working. For all of us it’s our retirement balance that usually tells us when to stop working. If we have enough, we can stop, if not we keep going. Building on the other steps we covered we include retirement as a strategy. Being methodical and consistent with our retirement contributions allows for the potential of continued growth as well as being able to weather some fluctuations in the market.

Retirement is a long-term play. A marathon not a sprint. At least it should be. When you start investing early and often you take advantage of compound interest. Its money that makes money. How much you should set aside? Most experts and advisors suggest 15% of your take home pay should be put into retirement.  Let’s say your average take home pay is $45000 a year and never increases (which is a 0% possibility), you would invest $6750 a year or $562.50 a month into retirement. If I start at age 27 and retire at age 67 and the average annual growth is 8% (historically the S&P 500 has average 10-12%) I would have $1,963,693 in retirement, just under 2 Million Dollars! $270,000 of that was my contributions and the rest, $1,693,693 was the growth!

There are several types of accounts you put your retirement in. These include IRA’s and 401K’s. You have heard these terms before I suspect. Each one has 2 main choices: Traditional or Roth. A traditional IRA or 401k is a pretax investment, usually called a ‘tax deferred’ account. This means you are putting off paying the taxes on the amount you put in and paying them later when you withdraw the fund. These funds are then taxed at your current tax rate at time of withdrawal. A Roth IRA/401k is different. This account uses after tax funds meaning you do not get a tax break up front. Your savings is on the back end. The earnings in the account grow TAX FREE, meaning you won’t pay taxes on any capital gains or dividends that occur during the life of the account. This allows for a different strategy come retirement regarding income and taxes. Each of these accounts has contribution limits of currently $6000. If your 15% is more than these, you would work with your advisor to open several types of accounts.

When discussing retirement options, it is best to sit down with a qualified investment advisor. You want to look for someone who is a Fiduciary and Fee Based. This basically means that they put your needs first and are not trying to put you in products that generate the most commission to them.

Interview several before settling on a choice. Look for one that can teach you and inform you so you can be in the know, after all it is YOUR retirement.

Edward Jones Dave Ramsey SmartVestor Pro LPL Financial

9. Investing in yourself and your future

Like retirement investing you will need to define your goals. Short term vs long term. Depending on what your goals are you will develop a plan of attack to strategically reach them using nonretirement investing. Types of investing here can include mutual funds, real estate, your kids college funds and even in yourself in the form of self-improvement. Investing in yourself by taking a few classes that ultimately can increase your salary is a great investment to make. These types of investments are tax at capital gains rates once the funds have been invested for 1 year and 1 day. Before that and your withdrawals are taxed at your normal income tax rate.

10. Dot your I’s and cross your T’s – Documents everyone must have to make life simple

While this is last on the list it might be the most important one. That is because without this everything you have done, everything you have built could be extinguished upon your death. The need to good estate planning is vital. Not only is it crucial to make sure you have the proper documents signed, having them easily accessible as well as making sure the people you trust to carry them out are aware of your wishes is equally important. You will need several documents to ensure you have your estate plan in place. These include a will, a power of attorney, an advance directive, a letter of intent as well as other pieces of information such as copies of deeds, copies of life insurance plans and login information to online accounts such as your bank and creditors. This is about protecting your legacy.

Wills need to be update upon a move to a new state or whenever there is a major life event such as marriage/divorce/death of a spouse/birth of a child. A Power of Attorney or POA is arguably your most important document while you are alive. A will dictates how you want your assets divided upon death while a POA dictates what happens while you are alive. A Power of Attorney gives someone you name the power to act on your behalf in terms of financial and other types of transactions. If you become incapacitated your designee will then take over decision making capabilities for you. It is important to have this form ready well in advance of needing it and to inform the person you name so it doesn’t come as a surprise to them. I would also suggest sending a copy of the form to your bank/life insurance/financial advisor/etc ahead of time. It will save a lot of time when it goes into effect.

An advance directive is sometimes called a Health Care Power of Attorney. This allows someone to make medical decisions on your behalf. It is separate from a traditional Power of Attorney. You can name different people on each or the same, that is up to you.

Lastly is a letter of intent. While not an official legal document and slightly different than a will, it is a letter spelling out your intentions to your heirs. This is where you can spell out specific instructions regarding your funeral, burial, the contact information for your creditors or anyone that might owe you money, what to do with your social media accounts after you die, provide usernames and passwords, specific information on caring for pets and most importantly it is a place to put into words sentiments and messages for loved ones. This does not replace the will and again is not legally binding.

You can use an accredited estate planning attorney to draw up these forms for you or you can get started online at sites like Mama Bear Legal Forms or Legal Zoom.

So, there you have it, our personal finance checklist to help get your finances in order. But don’t worry if this seems like a lot of work – we can help. We are here to guide you through every step and make the process as easy as possible for you. Give us a call or email us today to set up an appointment and take the first steps on your journey to financial freedom!


New Year, New Marketplaces: Poshmark, Pets and Australian Fire Charity Auction Update

New year, New marketplaces to explore
This week we will be discussing all things Poshmark:
How to set up a closet
How to list an item
How to share
How to succeed
We also talk about the tragic fires in Australia and how the reselling community is helping our Aussie friends in need. Links below:
We end the show talking about our furry friends and our reseller pet families.

Also 2AussieThrifters Channel – ( Saturday Jan 11th Live 1:30pm PST/4:30pm EST
Australia Bushfire Charity Live-
Links: For a free 15 minute Consultation with Joey:
Facebook Group:
Follow us on Instagram: Show-
Subscribe on iTunes Podcasts at eCom 101
#reseller #ebay #AustraliaFire #ecommerce