Analyze Your Cash Flow
Raymond Ihim Raymond Ihim

Analyze Your Cash Flow

A cash flow budget projects what money you expect to come in and how much you think you’ll spend each week and when you expect the expenses to occur. It’s different from a regular budget because it breaks your monthly budget down week by week.

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Turn Hopes into Goals
Raymond Ihim Raymond Ihim

Turn Hopes into Goals

Hopes and dreams can motivate us, but they’re often too vague which makes it hard to build a plan to reach them. To set goals could be called to starting point of all of your achievement.

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Are you a Lion or a Hyena?
Raymond Ihim Raymond Ihim

Are you a Lion or a Hyena?

When a lion’s hungry, he intentionally roars and eats! When a Hyena’s hungry he casually laughs (barks) and waits for the leftovers. Lions do not hang out with hyenas! Lions do not act like hyenas! Lions, frankly, do not care what the hyenas think! Be a lion not a hyena. The Good Book says that the devil walks around LIKE a roaring lion. The evil one is a hyena. Enough said.

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Are Your Finances Organized?
Raymond Ihim Raymond Ihim

Are Your Finances Organized?

Are your personal finances in perfect order? If your answer was any version of “No," you're certainly not alone. The good news is that there are many simple things you can do to better organize finances!

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Is Financial Success Hard?
Raymond Ihim Raymond Ihim

Is Financial Success Hard?

Is financial success hard? No. Financial Success is not Difficult. Financial success is not a hard task to master. It simply takes dedication, hard work and a little old fashioned commitment. It will require knowledge and wisdom.

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Want To Improve Your Credit Score?
Raymond Ihim Raymond Ihim

Want To Improve Your Credit Score?

Do you want a better credit score? Your credit score is important to you if you want to buy a car or home or even applying for a job, in many instances! There are a number of fixes, though, that can help you turn your credit score around in fairly short order.

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Should You Ignore Your Net Income?
Raymond Ihim Raymond Ihim

Should You Ignore Your Net Income?

Net income is to an person’s or business’s income after all expenses have been paid. Net income will always be less than gross income. Taxable income tends to be based on some form of net income. This can affect the amount owed in capital gains taxes, social security taxes, and more.

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Balancing Your Life
Raymond Ihim Raymond Ihim

Balancing Your Life

Setting goals in different aspects in our life is important. It will be an inevitable challenge to balance all of them as we get too busy for everything but every positive progress in any part of our lives will surely strengthen us to create further improvements in other aspects.

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10 Ways to Save Money When Your Automobile Lease Ends
Raymond Ihim Raymond Ihim

10 Ways to Save Money When Your Automobile Lease Ends

Paying excess mileage charges when an auto lease ends is something most consumers take care to avoid. But many of these same careful lessees get an unhappy surprise at turn-in because of other charges and costs they failed to think about.

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How to Get Pre-Approved for a Mortgage
Raymond Ihim Raymond Ihim

How to Get Pre-Approved for a Mortgage

Many people mistake the pre-approval process with the pre-qualification process. Yet, they are different for many reasons.

The pre-qualification process is when you have the ideas of your ideal house price ranges. Meanwhile, the pre-approval process in this article means a loan-approving process by an underwriter under some specific conditions.

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Job vs Career
Raymond Ihim Raymond Ihim

Job vs Career

Both careers and jobs enable us to earn money to support our family and ourselves. Yet, these two things do not have the same meaning. It is then important to see whether you're looking for a career to plan your professional aim of looking for a job. Through this article, we will show you how jobs and careers are different from each other, and how to turn your job into a career.

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5 Ways For Students Can Make Money
Raymond Ihim Raymond Ihim

5 Ways For Students Can Make Money

Finding money to pay for college can be difficult though you already have grants, loans, or scholarships you may still need cash for other expenses. Students might need funds for commuting, tuition, books, housing, and other things related to college supplies. If you plan to work in the summer during the college's break, we have tips and ideas for you what kind of job you can take both on and off college. Also, you can create a budget you need to pay for them. Yet, the best way to fill the gaps in your financial need is to fake to the financial aid office and ask for favors.

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Financial Goal Setting
Raymond Ihim Raymond Ihim

Financial Goal Setting

When we talk about personal finance, we will focus on the process of managing and planning personal financial activities like income generation, saving, spending, protection, and investing. The process of managing it can be formed in a financial plan or a budget. In this article, we're going to see the most important and common aspects you need to manage your finance.

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How to Pay Off Debt
Raymond Ihim Raymond Ihim

How to Pay Off Debt

Dealing with debt can be stressful and challenging. If you plan to pay off your debt, creating a plan is the very first step to making you debt-free. To ease your process, you can help yourself by adopting healthy financial habits which also can bring you to improve overall finances. There are strategies you can follow that will work for people with any debt amount.

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Manage Your Loan Responsibly
Raymond Ihim Raymond Ihim

Manage Your Loan Responsibly

It can be smart to use a personal loan to pay off a major expense rather than take on high interest credit card debt, but it's equally important to use your loan responsibly.

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Maybe You Should Own Instead of Rent
Raymond Ihim Raymond Ihim

Maybe You Should Own Instead of Rent

A home allows long-term investments in a property that appreciates over time. We have some considerations for those who are on the fence between whether to buy or rent.

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What’s Your Cashflow?
Raymond Ihim Raymond Ihim

What’s Your Cashflow?

Your personal cashflow is what you make minus what you spend over a certain period of time. It is vital that you understand not only what is your cashflow, but when is your cash flow. You can get started with tracking your cashflow by downloading a free cashflow form from the Lionhood Financial Forms page.

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Financial Growth Mindset
Raymond Ihim Raymond Ihim

Financial Growth Mindset

Money management can be a challenge. It is important to focus on the constant progress when it comes to this skill with a financial growth mindset.

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