How To Lower Your Credit Card Interest Rate

Traub Financial Coaching Featured on KELO

Check out KELO TV's interview of Andy Traub

To see the whole interview click on the image below.


If you need help balancing your family's finances or your employees need someone to coach them on how to win with their money then contact me today by e-mail at traubfinancialcoaching@gmail.com.

To read my thoughts on gas prices click on the following links:
Gas Prices - The Real Numbers
Why Gas Prices Aren't That Bad

Stop taking those benefits for granted!

We Americans have a knack for taking things for granted and that's the subject of this audio message. Do you have health or dental insurance through your employer? Does your employer offer short or long term disability coverage in case you can't work? Do you have a 401k retirement plan where your employer matches part of your contributions to that plan? Do you have paid vacations, days off in case of a death in the family? If you have any of these benefits then you should first, be grateful and second, be sure you understand them completely so you can take full advantage of them. If you're an employer who does offer these services let me pose this question...do your employees REALLY appreciate and understand the benefits you provide? Do they pay attention at those yearly meetings where whoever your provider is explains them and adds their own little sales pitch? If you're an employee searching to understand your benefits or an employer wishing your employees appreciated their benefits more then contact me today and we can set up a meeting to do just that.

I guarantee after I meet with you or with your employees that no one will be taking their benefits for granted anymore. This has been Andy Traub of Traub Financial Coaching wishing you joy on your journey towards financial freedom.

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How Can I Buy Quality And Avoid Debt?

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Andy... My family believes in avoiding debt if at all possible. We are also committed to buying items that are of high quality because we see every purchase we make as an investment in something. So how can we avoid debt and still buy quality items such as automobiles, furniture and electronics?

Great parents, investors and shoppers have one thing in common; they all exercise more than normal amounts of patience. The key to buying large items but not sacrificing quality is to accumulate cash through a disciplined savings plan and then hold on to that cash until opportunity comes knocking. Here's some crazy advice that illustrates my point. Right now is a great time to buy a...pick-up truck! But the gas mileage is horrible Andy! Of course it is, that's why they're begging people to buy them. Maybe you and your family aren't interested in a pick-up but the point is simple. If you are patient and have the cash in hand you can get some great deals.

If you'd like to purchase a new bed you could buy one today at full price. My advice is to go buy a $100 mattress topper for now. It will add some comfort to your currently sleepless nights while you wait for a deal. Maybe it'll help so much you won't need a new mattress at all (like it did for my wife and I). While you sleep on your $100 topper you continue to wait for that deal to come along. Visit your favorite mattress stores every few months, inquiring with your loyal salesperson when they will be getting next year's models in. Inform her that when they're ready to sell the display model that you will guarantee them a sale if you call them first. Flashing a wad of $100 bills will show her you're serious. Guess what, she'll probably call you! You just have to be patient.

The same goes for buying a car. What if you had to spend $100 to save $3000 on a car. Would you do it? You bet you would. So don't just look for cars in your town, look for cars with in 250 miles. If you find a steal then you can take the bus (for $100 or less) and go pick up your car that you saved $3000 on because you were patient. You can buy quality and still avoid debt, you just have to exercise self-control and when the opportunity comes up - have the cash on hand to buy!