We all grew up with various ideas about money instilled in us by our parents, some good and some not-so-good.

How do we, as parents, become positive money role models for our children?

Teach your kids the value of money at an early age.  

I know how tempting it is to buy your child every single toy or book they want, especially around birthdays and holidays whether it's to avoid a tantrum or just because they’re so darn cute, buying your children anything and everything they want doesn’t teach them the value of money. 

Encourage your kids to save money.  

It can be very tempting to spend birthday and holiday money on one trip to Target, only for your child to be bored with their purchase a week later. Motivate your child to set a goal and save up for it. One of my sons is currently saving for a Nintendo Switch. It's a lofty goal for him, but I know he’ll feel a sense of accomplishment.

I recently took two of my kids to open up an account at a local credit union. They have a fanta...

Feeling overwhelmed by the sight of your mail? Does your mounting debt seem like an insurmountable hurdle? Remember, it doesn't have to stay this way! Let's embark on the journey toward financial freedom with these six easy-to-follow steps to start paying off debt.

Step 1: Honestly Evaluate Your Debt

When bills flood in at various times during the month, it's easy to lose sight of your total debt. Gather all your bills, lay them out, and take an honest look at the big picture. It might be a tough pill to swallow, but acknowledging your debt situation is the first of the steps to start paying off debt.

Step 2: Negotiate Lower Interest Rates

Your loyalty to your credit card companies can be leveraged. Reach out to them, express your loyalty, and discuss the possibility of a lower interest rate. This approach can also work wonders with internet and cable companies!

Step 3: Review Your Credit Score

Mistakes in credit reports are not uncommon. Ensure your debts, credit limits, and mis...