Norris Financial Coaching

Norris Financial Coaching helps its customers by teaching them a simple step by step process for gaining back control of their money. Steven Norris is a Dave Ramsey Certified Master Financial Coach.

Operating as usual

03/10/2019

Life insurance is super important for those of us who produce an income that others rely on. The primary reason people buy life insurance is to replace a person’s income should the worse happen. If nobody relies on your income, you probably don’t need life insurance.
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Whole life insurance cost more for less coverage 🤔
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Term life insurance costs less for more coverage 👏👏
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When a person with whole life insurance dies, the insurance company keeps all the premiums you’ve paid, the cash value you’ve built up, and simply pays out the face value of the policy. Say goodbye to all that money you’ve “built up” in there. It’s near robbery.
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Whole life insurance touts their cash value that’s protected from creditors and a bunch of other nonsense “benefits.” Man oh man do you pay for those!
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Consider term life insurance policies instead. The premiums are drastically lower for higher coverage. They are cheaper because they don’t build up a cash value...and that’s a good thing!
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Cash values inside of life insurance policies is about the most depressing thing ever. They produce horrendously poor returns on your money.
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Go with a term policy, do your investing separately in a good mutual fund and enjoy getting real returns on your money. And guess what? When you die, you get to pass that money on, not just make the insurance company more rich.
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I don’t sell insurance, so the only reason I share this at all is because I want you all the make the most of your money while still protecting your family.
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Let me know if you have questions 😀

03/09/2019

Something I often hear clients say is “I’ve been keeping my head in the sand and I’m ready to face to music and clean up my act.”
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This is a revelation from people who are tired of living in a financial stress-mess. They’ve come to realize a simple truth about money: Financial messes (or really any kind of mess) don’t get better on their own. Ignoring the mess and hoping an issue will resolve itself is a pipe dream.
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It is new behaviors mixed with a new game plan that gives someone a new hope and a new reality.
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Do you need a new outlook and a new hope about your financial stress-mess?

03/02/2019

Their goal was to pay off $1400 in February, but they ended up paying an $2300 EXTRA on their debts!
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They want to be free!
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They are on fire 🔥

02/27/2019

Just got off the phone with my internet company. I had been paying for 20 mb/s for the past couple years. It was time to upgrade!
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They told me they could up me from 20 to 50 mb/s for only $10 extra/month. Sounded good to me.
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But then they said I would need a new modem ($150 additional) as well as a service tech to come upgrade our lines ($99 additional).
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I said “You guys aren’t making it very appealing to upgrade. Can you do anything to help with the additional costs of upgrading?”
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After some negotiations and me asking “Is there anything else you can do to lower the cost of upgrading?” we settled on a new deal.
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Got my speed increased to 80 mb/s, got the service tech fee waived, got the modem thrown in for free, and I got my monthly bill lowered back to what I’ve been paying for the last couple years! Locked in for life until I change or cancel.
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Moral of the story, what first looks like a fixed price isn’t always a fixed price. You just have to ask, and ask again.
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“Is that the best you can do?”

02/24/2019

When it comes to investing, your success hinges less on your investment’s performance, and much more so on your behavior.
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It’s about getting yourself to a place where you can start investing. Then it’s about length of time in the market and your consistent investments that generate wealth.
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There is, of course, many more factors that are terribly important, but this is where it starts. It start when you start. There’s plenty to know before you begin, but the key is that you do in fact begin.

02/21/2019

Let’s take a look at how your credit score is determined?
• 35% of your score is based on your debt history.
• 30% is based on your debt level.
• 15% is based on the length of time you’ve been in debt.
• 10% is based on new debt.
• 10% is based on type of debt.
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As you can see, credit scores have an awful lot to do with how you interact with DEBT. If you never had a debt, your credit score wouldn’t exist.
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Notice how your income and the size of your savings account have ZERO impact on your credit score.
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You don’t need a credit score at all. WHAT?!! Yes, it true. You can buy cars, rent apartments, get insurance policies, buy a home, and do everything you need to do without a credit score.
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Credit scores are not evil, but they’re also not necessary and having a good one just proves you’ve played with debt a lot. In fact, having a good credit score has probably cost you a lot of money.
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Don’t let credit scores rule your life. Don’t kick and scratch and fight to “build your credit.” Don’t worry about building your credit at all. Instead, clean up your mess, pay off your debts, establish a history of paying your utilities on time, bring in a regular paycheck, live on less than you make, build a savings account, and you will get by just fine without a credit score.
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If you need help understanding how the credit score impacts you and how to get started in a life without one, please, drop me a line. The credit score has been a false idol for too many for too long. Free yourself!

02/20/2019

Whenever you have a chance to create a predictable number in your budget, rather than a number that varies from month to month, it’s a win. The fewer variables in your monthly budget, the easier it is to plan!

02/19/2019

Feeling stuck in or tired of your financial situation? Is the ending to your current story one you don’t want to live out?
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Financial coaches exist for this reason. To guide people through the process of learning to control their money so they can pay off debt and build a brighter future.
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Imagine knowing exactly what you should be doing and being confident that your actions are leading you towards freedom. Imagine the confusion removed, the stress eliminated and the needle moving in your favor. This is why I coach.
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Schedule a free consultation with me. See my website link in my bio. If you’re struggling to get traction, a free consultation could be the start of a new story for you and your family.

02/19/2019

Imagine how much you could get done if you didn’t have any debt payments? Imagine the life you could build, the people you could bless, and the future your children could have! Debt is a roadblock between you and those dreams. It’s like running a race with lead shoes on. Let’s get those debts paid off so you can turn those dreams into realities. If you need a push to get started, I’d love to help you develop a plan to pay off those nagging debts!

02/18/2019

The truth is that if we’re spending our hard earned money without a plan for where it’s supposed to go, we’re wasting some of it (probably a lot of it) every month. Build a cash flow plan to pay your bills and start eliminating your debts. It sounds simple, but it’s a game changer.

02/17/2019

Feeling stuck? Feeling tired and frustrated? Well I have great news. The person in your mirror has the power to change that! If you don’t like the results you’re getting, change what you’re doing to get a different outcome. Trouble with finances has a unique way of isolating us and making us feel like we’re alone in our issue. I guarantee you are not! If you’re not sure WHERE to start, or WHAT to prioritize, or WHEN to do _____, or HOW do accomplish ________. That’s okay, I know WHO can help 🙂

02/15/2019

You can’t make real progress until you know the full extent of the problem. Do the hard work of getting all the numbers out on the table. Now, let’s build a game plan to tackle the debt and find you some freedom!

02/14/2019

While it sounds helpful, debt consolidation is not the solution to your problem. If you have a debt problem, you either have an income problem, an out-go problem, or both. I’ll tell you a secret, more often than not, it’s NOT an income problem. Allllmost always, debt problems are the result of living beyond our means.
If you have debt problems, you are the solution. You have to choose to change. You may need help and guidance, sure, but it all comes down to you.

02/13/2019

This simple illustration shows us why we need to have money growing and working for us. Inflation is working against us all the time, so we need to get our messes cleaned up and get our money working for us. Many times, a retirement can last for 30 years, which highlights the importance of having money invested and growing on your behalf. When our work income stops at retirement, our nest egg needs to keep working for us. Otherwise we’ll be swallowed by inflation because our purchasing power is decreased by 67+% over 30 years. Yikes!

02/13/2019

So many people are stressed about their finances, but you don’t have to be one of them. Here’s why 👇
You become empowered when you start working a detailed plan. The stress goes away because you are working a system that has shown millions of individuals and families how to become free financially. My passion is to guide people through the process of knocking out debt and taking control of their finances so that they can build the future they've been wanting.
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I’m telling you it works and it will work for you! Schedule a free consultation using the web link in my bio.

02/12/2019

Is it hard to imagine a car without a car payment? A vacation without a credit card? College without student loans?
Well one thing for sure is that if you don’t think it’s possible to do these things without debt, it’s probably not going to be for you. Open your mind to a new way of thinking, plan ahead and cross debt off of the options list.

02/11/2019

I was just telling a friend of mine that I can discern very quickly if someone if ready for financial coaching or not. It all comes down to if they are willing to make changes or not. It’s hard to change, but we can’t expect things to start getting better when we keep doing the same ol’ things. Change is necessary if you want results.

02/10/2019

No amount of number crunching can make up for lack of discipline with your money. Be the boss and tell your money what to do and make it do it! It is yours after all!

02/09/2019

The water line between our house and the street sprung a leak! Thankful to be debt free and have money in savings for events such as these, but still not the way I wanted it to go! 🤪
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#debtfree #thankfully #house #emergencyfund #savestheday #nostress #debtfreecommunity

02/08/2019

Tired of living life constantly stressed about money? That can all change when you get the right people on your team and you decide you’re tired of being sick and tired. Free phone consults at www.norrisfinancialcoaching.com
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Are you #broke #sickandtired of living #paychecktopaycheck #stressedout #cantsleep #moneyproblems #thissucks ? I am #heretohelp #financialcoach #inyourcorner #youcandoit #dontwait #startnow #itwillchangeyourlife

02/06/2019

As Yoda would have said, “Let the budget be your guide.” Building a budget (aka cash flow plan) and tracking your expenses through the month is the only way to assure you’re using every dollar to the best of its ability. With a budget, money is wasted.
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#doyourbudget #debtfreejourney #debtfreecommunity #beintentional #focus #financialcoach #foundations #buildingblock #ipreview via @preview.app

02/05/2019

This is true of your finances and many other areas of your life.
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#buildwealth #getoutofdebt #debtfree #financialcoach #debtfreecommunity #heretohelp #doyourbudget #winatlife

02/04/2019

It’s the only time we allow a thief into our home. It’s a thief because it takes from our income, our joy, and our progress! When we start to think of debt like the thief it is, we start to treat it accordingly and do everything in our power to get it out of our life!
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#debtfreecommunity #debtfree #debtisdumb #cashisking #debtsnowball #babystep2 #financialfreedom #buildwealth #financialcoach

02/04/2019

I’m setting a new business goal this year: Help clients payoff $250,000 of debt in 2019.
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#financialcoach #goals #goalsetting #heretohelp #servewell #debtfreecommunity

02/02/2019

Her and her husband are absolutely crushing in it! They’re shooting to pay $1400 extra on debt in February! 👏👏
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#loveit #clientwin #debtfreejourney #drowningindebt #debtisdumb #ivehadit #nocreditcards #debtnomore #financialfreedom #financialcoach #daveramseybabysteps #youcandoittoo

02/01/2019

Car payments are one of the primary reasons people struggle to get ahead financially. Don’t trade your future for a car.
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#debtfreeliving #buildwealth #cashisking #debtisdumb #debtistheenemy #financialcoach #drowningindebt #debtfreecommunity #heretohelp

01/31/2019

This is not a pleasant way to live! My personal mission is to help fix this problem, one person or family at a time!
If you’re living paycheck to paycheck and tired of being stressed about making ends meet, let’s chat! Free consultation link in bio.
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#debtfreeliving #nocreditcards #buildyourlife #financialcoach #ineedhelp #nostress #helpisontheway #debtfreecommunity

01/30/2019

Paychecks are good, but they’re soooo much better when every dollar has a specific mission. Make a plan for your money before the month begins. If you need help, let me know!
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#cakesaregood #budgetsarebetter #debtfreeliving #buildyourlife #monthlybudget #financialcoach #financialcoaching #debtfreecommunity #freeconsultations #doyouneedacoach

01/30/2019

All the dollars that will come through your hands in February need a mission. If you don’t assign them a mission (i.e. make a budget), many of them will dodge the work and disappear. Budgets are about controlling your dollars and telling them where to go instead of wondering wear they went.
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#debtfreejourney #debtfreeliving #nocreditcards #buildyourlife #financialcoach #doyourbudget #cashisking #beforethemonthbegins #budgetingtips #budgetforlife

01/29/2019

You don’t feel anything when you buy on credit. It hurts to give away cash!

Try the switch to cash. Hesitant? I recommend starting by spending cash on just groceries. Watch and see how much less you spend!
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#doyourbudget #debtfreeliving #buildyourlife #financialcoach #cashisking #nocreditcards #makingstrides #makechangestoseechanges

01/28/2019

It’s a question we should ask ourselves and it deserves an honest answer. If the answer is no, what will you change in the coming month?
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#debtfreeliving #buildyourlife #monthlybudget #changetherecipe #improvement #financialcoach #financialcoaching #freeconsultations in link in bio

03/25/2017

Are you ready to break the cycle? A coaching session could be the best investment you can make.

www.norrisfinancialcoaching.com

03/04/2017

Find yours at www.norrisfinancialcoaching.com

12/31/2016

Find out how. Book a session at www.norrisfinancialcoaching.com

12/28/2016

Let me help you build an awesome plan!
www.norrisfinancialcoaching.com

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Boise, ID
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