Joe Sangl

In my continuing attempt to help people win with their money, I thought I would share some key signs that indicate that one might be in financial trouble.

Make one additional payment each year and have the money applied directly to principal reduction or make half-payments every two weeks.

My children are going to be faced with a financially broke nation if my generation does not address this outrageous financial behavior. Let our generation be the generation that fixes this mess.

The money I contribute to my HSA will remain there until it is used. There is no “use it or lose it” requirement that health-care reimbursement accounts had. The HSA can receive interest tax- and penalty-free as long as the ...

So what do you do when you cannot pay all of your bills? Pray? That is a great place to start. It is also important to understand who should be paid and who will not be paid when the money ...

Do you have enough saved up to deal with any crisis that could come up in your life?

Mint.com is a great tool to use to track your overall financial status. You can see the status of all of your financial accounts in one place — and it is all free. There is nothing like measuring your overall ...

Make savings a priority and a reality by making it automatic. Automatic deductions from your paycheck to a savings account is a great way to ensure you follow through on your plan.

How much can you contribute to your IRA?

A written cash-flow plan prepared for the next 12 months allows one to recognize large upcoming expenses and plan appropriately. This can greatly reduce the pain of the larger expense.

Set up an accountability meeting once a quarter to review progress toward goals.

As 2010 begins, reviewing supplier pricing can help lead to a more profitable year, improved quality and better service.

I asked the questions like, “What do you wish you had known about money before you entered the real world?” and “What have been the best financial decisions you have made?”

As with any form of communication, your social media presence should be clear, concise and useful. I am certainly no expert when it comes to social media, but the technology has become invaluable for my business. It has allowed me ...

Some tell us that they are now free of car payments. Others write to say they have finally started investing in their company’s 401(k) or have opened a Roth IRA. Mothers have shared that they have finally realized their dream ...