Byron Moore, CFP® and Mike Jones

Financial planning

Budget tools?

By Byron Moore, posted August 14, 2017
Originally published in the News Star and the Shreveport Times on Sunday, August 13, 2017.
 

budget app_sm.jpgQ:  I know I should get on a budget. What’s the best app for that?

A: You say you know you should get on a budget.

But why do you say that?

After all, budgeting can be a pain. You already know that, or you’d already be on one. So why should anyone go to all the trouble of getting on a budget?

A budget is a spending plan. It may be simple enough to write on the back of an envelope. Or it may be so complicated that it fills up an electronic spreadsheet.

Pre-paying my mortgage – wise financial move?

By Byron Moore, posted August 7, 2017
Originally published in the News Star and the Shreveport Times on Sunday, August 6, 2017.
 

Mortgage and savings_sm.jpgQ:  Should I be pre-paying my mortgage?

A: Why would you want to do that?

That’s not a definite “no.” But I do not consider “mortgage acceleration” a one size fits all piece of financial advice everyone should follow.

Podcast - Debt among the young and old (2:33)

By Byron Moore, posted August 3, 2017

The following segment first aired on KEDM 90.3.

Helping the young person in your life stay on the right side of debt is one of the most significant life lessons you can pass on to them.

Click the picture above to play/pause audio.

Podcast - Insurance Poor (3:19)

By Byron Moore, posted July 27, 2017

The following segment first aired on KEDM 90.3.

Feeling insurance poor? But if you really think about it, the payment of your insurance premiums is what keeps you out of poverty.

Click below to hear more...

Click the picture above to play/pause audio.

Embarrassed to ask for help

By Byron Moore, posted July 17, 2017
Originally published in the News Star and the Shreveport Times on Sunday, July 10, 2017.
 

Courage_sm.jpgQ: I am very embarrassed by my financial situation. I know I need help, but I’m just too humiliated to let anyone else see the mess I’ve made. Every time I pick up the phone to call someone I hang up. What do you suggest?

A: I love your honesty.

If you’ve never seen the 2011 film We Bought a Zoo, you’re in for a treat when you do. Matt Damon plays a young widowed father of two. In one scene, he is giving his young son advice on the utterly confusing and intimidating topic of females.

Podcast - Convenience is overrated (2:27)

By Byron Moore, posted July 6, 2017

The following segment first aired on KEDM 90.3.

We love it when things are convenient, but the value of convenience must be weighed against the risk of failure. Click below to hear more...

Click the picture above to play/pause audio.

Comparison: understanding what you could do vs. what you should do

By Byron Moore, posted July 3, 2017
Originally published in the News Star and the Shreveport Times on Sunday, July 2, 2017.
 

weighing balancing_sm.jpgQ: I have saved up enough money so that I think it’s time for me to invest some of it. I have some friends who make all their investing choices on their own. Others use financial advisors whom I assume they pay somehow. My do-it-yourself friends tell me that using an advisor is dumb because they cost too much. My other friends seem to not mind paying for the advice they get. Who’s right and how do I decide which is best?

A: We never get as far away from junior high as we think we do.

Podcast - Advice for young couples wanting to start a family (3:19)

By Byron Moore, posted June 29, 2017

The following segment first aired on KEDM 90.3.

Considering the possibility of Mom being able to stay home once you start a family? Click below to hear some advice on the matter...

Click the picture above to play/pause audio.

Real world financial fitness

By Byron Moore, posted June 26, 2017
Originally published in the News Star and the Shreveport Times on Sunday, June 25, 2017.
 

financial fitness_sm.jpgQ: What does it mean to be financially healthy in the real world? What would that look like for an average working person?

A: Remember when jogging was born?

OK, maybe not born, but at least made popular. In the late 1970s two things converged to explode the phenomenon of human beings trudging up and down neighborhood streets in search for the fountain of youth.

How do I develop discipline when I’ve never had it before?

By Byron Moore, posted June 19, 2017
Originally published in the News Star and the Shreveport Times on Sunday, June 18, 2017.
 

Discipline Freedom_sm.jpgQ: How does a person develop discipline when they have never had it before? This applies to many areas of my life, but money is a big one. I’ve just never been disciplined enough to make much progress financially. To be honest I wish I could just wave a magic wand and have it done for me.

A: There are no short cuts or magic tricks that will make you instantly disciplined.

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