How Do Everyday People Become Debt Free?

Todd Christianson is an author, podcaster, speaker, Accredited Financial Counselor®, certified HUD housing counselor, and education manager at Money Fit by DRS.

Todd has facilitated thousands of personal finance workshops and one-on-one counseling sessions since 2004, helping consumers of all backgrounds and income levels regain control of their finances, get out of debt, rebuild their credit, and create a brighter financial future.

He published Everyday Money for Everyday People in 2014 and 50+ on FIRE in 2021.

Todd maxed out his first credit card in less than 36 hours and was in credit card debt for nearly a decade before making changes. Now he is an award-winning author and creator of personal finance resources. 

Todd Christenson understands despair including financial despair and the difficulty of raising his two-year-old son after his wife lost the battle with cancer. His story will touch you, encourage you, and motivate you.

Since 1996, the 501 (C)3 nonprofit Money Fit by DRS (Debt Reduction Services, Inc.) has helped hundreds of thousands of consumers across the US who are frustrated with consumer debts, struggling with late payments and fees, overwhelmed by high-interest rates on their cards, or wanting to build or rebuild their credit ratings. Our major programs include a debt management plan, housing counseling, and community education courses.

Listen to Todd's interview and get the necessary tips to help you become DEBT FREE:

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How Do You Overcome Trauma, Betrayal, and Brokenness and Achieve Success?

What do you do when life sends trauma and pain where you hoped for love and kindness?  Have you felt broken? Betrayed? Traumatized? Rena Groot endured years of abuse that could have destroyed her. But she realized she had a choice to allow it to make or break her spirit. 

Rena was abandoned, rejected, and unloved during her entire childhood while being tossed into horrific foster care homes repeatedly. By the time she was 21 years old, she did not know if she wanted to live another day and then a miracle sprung into her life. 

As a little girl walking into her first-grade classroom, she was awestruck and knew she wanted to be a teacher. She was able to realize that dream and earned a Bachelor of Education and a Master of Religious Education. She taught in Canada and China where she wrote her memoir under a mosquito net and became addicted to writing. 

Rena became an ambassador with "The Department of Eternal Affairs" for Haiti, Belize, the Ghetto in New York City, behind the Iron Curtain in Poland and Romania, in Israel, China, Thailand, Mexico, Africa, and Greece. 

During her interview, she shares a remarkable story of survival against all odds with a surprise outcome that will encourage you.  

A Life Set Free is a moving testimony of the liberating power of God's love to bring healing to broken lives. Rena's personal story, simply told in both humility and triumph, will convince you that nothing is impossible when you surrender to God.

Her many colorful adventures are a catalog of miracles that most of us dream about. Let them touch your heart!

Rena's journal and course, Broken to Beautiful - Transformed by God has helped countless numbers of broken women to experience unconditional love and a major life change. Here is a free gift to help you rise above the overwhelm and silence the lies. 

FREE GIFT and SNEAK PEAK

It is 1881. Anne is 19, a widow on the Oregon Trail. She has no option, but to travel with her husband’s murderer. As she struggles to survive on the unforgiving trail, Anne must confront her own doubts and fears. Will she succumb to the darkness in her heart and seek vengeance at any cost? Or will she find the strength to forgive, and discover a path to redemption and healing? With each step she takes, Anne must face the harsh realities of life on the frontier and the deep mysteries of faith and grace. She dreams of revenge…but God has other plans.

Click here to buy Rena's Latest release

Mommy & Baby's Journal is for you to write about your precious unborn baby and will give you information about your baby's monthly development. A perfect gift for an expectant mom. 

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Discover what happens when Bubs Bunny, an adorable but neurotic bunny goes to camp. What will his wild imagination tell him next? Will he be safe from hippos, polar bears, alligators, and more?

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How Do You Build Supportive Communities - Especially in an Emergency

Until the age of 35, Barry Braun’s life was all about money. He had made lots of money and lost lots of money. Then something happened which made him wonder what the purpose of life really was about. Barry’s story helps us understand some of the struggles we often go through while achieving success.

After Barry experienced a deep self-reflection exercise lasting 18 months, he concluded that life was about service to others. He created a successful coaching practice that focused on entrepreneurs connecting to their sense of purpose. This became a competitive advantage by bringing social purpose to their businesses.

Looking forward to his grandchildren's future, he shifted focus to mitigating the outcomes they would likely experience by changing how we relate to our communities. 

Listen to his interview and how the NEW Good Neighbor App can help you connect with everyone in your world!

Barry Braun founded Happy Community Project to help communities realize the support the next generation will need and make them happier places to live.

HappyCommunityBuilders.com is bringing community developers together for mutual support instead of being lonely or divisive. 

Communities need to be strongly connected, have a deep sense of belonging and know others care about us. These are fundamental to personal happiness and essential for survival.

Click here to get your Good Neighbor App for your community

And......click here to get instructions on 

using this amazing APP

You can have your cake and eat it too. You can create great wealth while making a meaningful difference in our world.

This easy-to-read yet comprehensive book shows you how to build a highly profitable business that brings meaning and fulfillment with the purpose of both creating wealth and helping our world move in a direction that builds a better world for our grandchildren.

Braun builds on his idea that a great entrepreneur builds a business that not only creates wealth, it also fulfills the entrepreneur's sense of purpose. Most entrepreneurs feel a sense of social responsibility by giving back. Braun shows you how to take this to the next step and build a great business that 'gives forward'.

Braun draws on his rich experience of working with entrepreneurs who have built businesses that solve some of our world's tough problems. His rich background as an entrepreneur, coach, and consultant provides a novel way of looking at how to integrate practical business decision-making with the integrity of a sense of deep and compelling purpose.

This is a must-read if you want your business to both create wealth and bring the satisfaction of knowing you made a real and meaningful difference. It not only sets out the concepts, but it also gives you the working process for doing something exceptional.

CLICK HERE FOR BARRY'S BOOK

What happens when citizens decide to be a 

Happy, Caring, and Thriving Community?

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How Does Giving More Benefit You and Why is it Necessary?

Bob DePasquale was diagnosed with cancer and experienced a terrible act of terrorism within a few days.  He thought the world was coming to an end.

Bob had always believed in taking care of the things he had been blessed with by helping others do the same. His perspective derived from his battle with cancer and his life threatened at the age of 18.

After this experience, Bob realized the powerful force that the giving mindset is after experiencing his life-threatening illness and the terrorist attacks. He spent 15 years learning how to apply giving principles in his own business and it is now his mission to help others do the same. Organizations that have a generous culture are bound to attract better employees and better customers. Bob would not be around to speak if it were not for some amazing acts of generosity.

You May Not Change the World...

But You May Change the World for One

Generosity is a Lifestyle

Are you aware we tap, swipe, and click our devices an average of 2,617 times per day?

Online advertising has rapidly increased and is now almost everywhere - from social media to search engines. If you have even briefly looked at a product, only to find yourself haunted by ads for it days later, you are not alone. Today, many people struggle to manage their finances while dealing with a constant barrage of ads.

In Bob's interview, he gives you the tools to improve your financial situation, use technology to your benefit, and better manage your financial planning.

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In Personal Finance in a Public World: How Technology, Social Media, and Ads Affect Your Money Decisions, author and Certified Financial Planner Bob DePasquale breaks down the steps to improve your spending habits and safeguard your financial future. This book answers common questions about finances, such as:

How can I save more money?

How can I get out of debt?

How do I invest?

How does the computer know I'm interested in that?

What's Bitcoin?

CONNECT WITH BOB HERE:

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Do you Know How to Cope with Severe Tragedy or Disappointment and Win?

Jim Barnard has dealt with disappointment and distress many times which led to significant depression. His wife, Alisha, had two near-death experiences and was not able to carry a pregnancy to term - adding to Jim's severe anxiety.

But this is only the beginning of the story of how Jim and Alisha turned the impossible into the possible.

When Jim Barnard and Alisha planned their future together as husband and wife, they had no inkling that three months later Alisha would be fighting for her life.

Their story will touch you but it will also change you as Jim shows us how to deal with any type of suffering you may encounter. Three months into their marriage, Alisha was not able to keep any food down and was diagnosed with a rare chronic illness - Ehlers-Danlos Syndrome. She suffered greatly in a downward trajectory. 

Jim has great insight into coping with tragedy as Alisha went through countless surgeries, tests, treatments, and therapies which failed to solve the rapid downfall she continues to experience.

Through Tiller Coaching, Jim helps those who are suffering the reality of the expectation gap where disappointment, dissatisfaction, and distress can cause real damage.

Many of us can relate to various types of suffering. You do not want to miss Jim's interview on how to cope and ultimately triumph:

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Told from Jim's point of view, this book details the real struggle to find hope amid suffering. Several near-death experiences, financial ruin, and more took a severe toll on this husband as he fought to stay strong for his physically failing wife. While having a deep faith in Jesus and His redemptive grace, Jim and Alisha battled the challenges in order to hold each others' arms up to gain victory in the Lord. A life in ministry was a significant part of that victory, as God has given them a voice in many peoples' lives and expectation gaps.

The Suffering Guy establishes an understanding of how suffering changes the world. We are all suffering guys and gals to varying degrees and at different times. Who we suffer with can make all the difference in the world.

“Our brains need stories of how others have flourished within their constraints so we might know our own hard stories can be ones of flourishing too. Jim poignantly offers himself and the valuable lessons he's learned to us as a reminder that often life's most difficult struggles can also be our most powerful assignments.”-Katherine & Jay Wolf, survivors, advocates, authors of "Suffer Strong" & "Hope Heals”

CONNECT WITH JIM HERE:

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Can You Experience Your Dreams Even After They Have Been Crushed?

After being Dream Crushed by Corporate America, Debra Krusz listened to her inner voice which said “Leave this place” and she started writing. She is now a published author, blogger, coach, and consultant.

Following the wrong dreams got her to low depressed areas in her life. Then she found the solution.

Debra is a survivor of crushed dreams and an expert in dream rescue. If your dream is a long-buried seed or a squashed bud, Debra can help you replant it, nurture it, and bring it to full bloom.

Her program is ideal for employers who want to make an investment in their employees by making them the most successful version of themselves. Your employee morale will rise, productivity will increase, and turnover will decrease as a result of this dream pollination. 

Your dreams are uniquely made for you for a reason

Listen to her motivating interview:

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This novel is told through the perspective of a young man named Maximo, who was a dream in his mother Maria's eyes. She did all that she could for the love of Maximo before he was even born. She always did what was necessary to provide the best life for her son. Maximo had his own vision. 

Maximo's journey of love turns to hurt, abuse, and false accusations. Maximo finds the strength in his heart to conquer his obstacles. His vulnerability and perseverance run through deep avenues that we all can relate to at some point in our lives.

Soul Meets Body: Six Degrees of You is a touching and unforgettable novel that reminds us to never give up on love. There is a recipe for writing about love. There is a dream in someone's heart. There is a tragedy, and sometimes separation. There is a determination to make it work. This book shares moments that touch the reader's heart and moments that bring up anger and frustration.

We are always going through a season. If you keep love in your heart, you will always find what you need. Maximo never gave up on the woman in his heart. 

CONNECT WITH DEBBY HERE

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How to Realize Your Desire for A Career Change

Dr. Tara Hines-McCoy is a compelling communicator and educator who uses her gifts, her experiences, and her faith to inspire women to take action and awaken their careers. Dr. Tara has been a rising thought leader in corporate America for over 15 years specializing in Human Resources. She has worked for Fortune 500 and multinational companies with multi-state and regional leadership roles. Her professional approach equips leaders with the tools needed to improve business performance and increase employee engagement.  

Her vibrant personality aids in her ability to connect with people on all levels by encouraging them to move past their failures, define their character, and turn uncertainty into passion.

As a former Global HR Professional, Dr. Tara founded DRTARASPEAKS: Up or OUT program to help women awaken their careers. Too often women overstay their welcome in organizations because they are waiting for someone to make the decision for them to leave and move forward.

In her interview, Dr. Tara explains how to take the time to CREATE your white space:

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This handwriting workbook is unique to all other writing guides out there. It uses the dash system to teach your child exactly how to form each letter correctly, both lowercase and uppercase letters. While writing, your child will also enjoy the excitement of learning easy-to-remember bible verses. This component sets Scripting with Scripture apart and makes it easy for beginner learners to write their letters while learning scripture.

Get your copy here

Grab your copy of the book rated #1 Amazon New Release, SHUT’EM DOWN: Black Women, Racism and Corporate America. This anthology is composed of the stories of 20 Black women who have been impacted by racism in the workplace. It offers a peek under the tent of the signs of racism, how to initiate the conversation of racism on the job, but also how Black women have chosen to move forward despite it. Dr. Tara’s chapter Black Roadblocks details how black women insert themselves as roadblocks versus an on-ramp to reach back and mentor black women coming behind them.

Connect with Dr. Tara Here

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The Beauty of Discovering You Are NOT Alone Can be Life-changing

"You will never conceive naturally." Those words are harsh, painful, and heard too often by women who want nothing more than to be a mom. It can leave a woman feeling helpless and ashamed.

Christina McClelland is an Atlanta-based author and supporter of women's health advocacy. Christina grew up in Alabama, attended the University of Alabama with a B.A. in English Literature, and became one of the youngest art gallery directors in Atlanta at age 28 before committing to her writing career full-time in 2014. 

Christina shares her story as an encouragement to women everywhere. Feeling alone is the worst feeling that exists. It is isolating, and depressing, and lends itself to hopelessness. The beauty of discovering that you are NOT alone can be life-changing. 

Christina introduced an exciting and effective method to help you and your family (especially teens) express their core feelings in a safe place. She shares the Core Feelings Board in her interview. 

And...she shares TWO important words that will help you put any problem into the proper perspective. Here is her story:

                        WATCH BOOK TRAILER HERE

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Couched in fiction, A Circle of Chalk is like group therapy for any person who has never dealt with infertility and insightful (and entertaining) to those who have not. 

The main character is a composite of dozens of women's stories. The storyline follows real legal cases from the past 30 years enhanced by interviews with fertility doctors, scientists, and bioethicists.

In Christina's experience, group therapy with other women who have survived trauma was a game changer. Women are blown away by the truth that while individual experiences can be different, the pain that every woman feels is eerily the same, accompanied by the same visceral responses to triggers.

Acknowledgment that the IVF process can be traumatic is important. Naming it is the first step. A Circle of Chalk gets the discussion started and helps women want to live again. 

Christina wanted to give women the opportunity to openly discuss IVF and embryo adoption and the extraordinary emotional toll of infertility. This book provides a peek behind the curtain. 

Connect with Christina here:

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