David and Melissa graduated from BudgetDog Academy after six months. They missed their budget two of those months. They will be the first ones to tell you that. They will also tell you that David is now opening his own Physical Therapy Clinic. The small business loan closed. The build-out is underway. Patients are comingContinue reading “From Financial Chaos to Opening a Physical Therapy Clinic — David and Melissa’s BDA Story”
Category Archives: Debt Payoff
The BudgetDog Financial System: How a Budget, Balance Sheet, and Amortization Schedule Work Together
Most people manage money with one tool — usually a rough idea of what they spend each month. That works until something goes wrong. An unexpected expense, a job change, a growing debt balance — any of these can collapse a system built on guesswork. BudgetDog Academy teaches a three-tool financial system. Each tool answersContinue reading “The BudgetDog Financial System: How a Budget, Balance Sheet, and Amortization Schedule Work Together”
Brennan Schlagbaum on the Podcast: Building Wealth on Any Income
Brennan Schlagbaum, founder of BudgetDog and a licensed CPA, recently sat down for a podcast conversation that covers the core of what he teaches — and why it works. The episode is available on Spotify and gives listeners a direct look at how Brennan thinks about money, debt, and building real financial stability. For anyoneContinue reading “Brennan Schlagbaum on the Podcast: Building Wealth on Any Income”
How Natallia Took Control of a Debt She Thought Was Impossible to Pay Off
Natallia joined BudgetDog Academy carrying a significant debt load built up over a difficult season – credit cards, loan installments, and expenses that had compounded over time without a system to manage them. The debt was not abstract. It was suffocating. Seven months later, she has paid off $95,000. How the Debt Got There Natallia’sContinue reading “How Natallia Took Control of a Debt She Thought Was Impossible to Pay Off”
No Raise, No Windfall — Just a Plan: How John and His Wife Are on Track to Free Up $34K This Year
John and his wife didn’t get a raise. They didn’t receive an inheritance. Nobody handed them a financial shortcut. What they got was a plan. And three months into Budgetdog Academy, that plan is working. They are now on track to free up $34,000 by the end of the year — money that will goContinue reading “No Raise, No Windfall — Just a Plan: How John and His Wife Are on Track to Free Up $34K This Year”
From Target-Date Funds to ETFs: How Carrie Hit an 800 Credit Score and Grew Her Net Worth 3.5% in One Month
Three months into BudgetDog Academy, Carrie didn’t just learn how to budget. She learned how to read her own retirement portfolio — and then she rebuilt it from the ground up. That’s not a small thing. For most people, their 401(k) or IRA sits in the background, untouched, because the account feels too complicated toContinue reading “From Target-Date Funds to ETFs: How Carrie Hit an 800 Credit Score and Grew Her Net Worth 3.5% in One Month”
Don’t Lose Another Year of Opportunity!
In just a few short days, we will turn the calendar page to a whole new year. It will be 2023. Just as we have new opportunities each day for a fresh start and a new beginning to expunge anything that may have taken us off our game a bit whether that is overspending, overeating, or overindulging in any area, we also have a fantastic opportunity to embark on a new year filled with ample opportunities, dreams, and goals. Now, Take a step back and think about the past year. What was good and what are the areas where improvements can be and should be made?
The Elixir to Success: Consistency & Laziness
I am often asked about my success and what my special recipe is or the secret elixir to create success. I wish I could attribute it to something innovative or profound. But that is not the case. Truly, my success comes down to two key things: consistency and laziness. If you are ready to take control of your finances but don’t want to waste hours a month, The Budgetdog Roadmap is your key to success. My students learn to stay the course and trust the process and I even give them permission to be lazy – in a good way!
Dave Ramsey Review: A One-Size-Fits-All Approach
This is not a treatise against Dave Ramsey personally. He has helped countless people figure out their financial and life situations. He even provides some sound financial advice. Despite many reviews on the Internet about Dave Ramsey and the Ramsey machine, this is not a blog railing against him. This blog is actually my take on Ramsey’s ideology and how it aligns with mine along with key elements about which I disagree.
A Money Hack That Would Have Saved Me Six Figures!
Let’s talk about a Professional Mortgage Loan. These loans allow those with high earning incomes to secure financing for homes with fewer restrictions than those imposed by conventional loans. They are designed for high wage earners such as doctors, certified public accountants, lawyers, pharmacists, and other high-income-potential professionals.