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Richard Dirks is a Ramsey Master Financial Coach who is personally DEBT FREE. COACHING AREAS: Budgets, Collectors, Foreclosures and Mortgages, Bankruptcy, Insurance, Retirement, & Estate Planning. Skype or in-person sessions available. My strategy includes initially meeting to discuss a general 30,000 foot level review of the finances. When folks come to me in crisis, developing a plan to stabilize the situation is first priority. After addressing the crisis, I encourage a discussion of hopes and dreams and how they can be achieved financially. At the end of that first meeting we develop a strategy to move forward. Immediately, if there is not an existing budget, I start coaching you to develop a zero based budget. I regularly review your developing budget. A sustainable budget is usually completed with one to three sessions.

Run your own online city guide Work your own hours running an exclusive CityUSA city guide for your town or city. Get started for less than $200. One of the best online business opportunities on the web. This business features a business directory unequaled by any business directory sites. A proven home business opportunity! Your own website and turnkey internet business set up and ready for you to run your City Guide! CityUSA. Work at home selling local businesses listings and advertising on your site. You set your own pricing and you keep 100% of your income. Your online directory comes ready to sell advertising to local advertisers! Easy to use software. You don't need to know web design or programming! Running you online city guide is easy!

I've been a resident of Spring Hill for 20+ years! Home, Auto, Business, Life Insurance TN, GA, AL

Richard's plan is a simple one, to help folks create and live on "zero-based" budgets to allow them to reach their goals and dreams regardless of financial limitations. With over 25 years of experience as an engineer, project manager, and business owner to counsel, educate, and hold accountable those who are ready to make changes in their financial lives; Richard works primarily with individuals and couples to improve their own financial situation. Most people pay off thousands of dollars in debt and increase savings in a few short months just by creating a solid budget and thinking about their views of money. COACHING AREAS: Budgets Collectors Foreclosures and Mortgages Bankruptcy Insurance Retirement Estate Planning Video calls, phone calls or in-person sessions available. My strategy includes initially meeting to discuss a general 30,000 foot level review of the finances. I encourage a discussion of hopes and dreams and how they can be achieved financially. At the end of our first meeting, we develop a strategy to move forward. Immediately, if there is not an existing budget, I will start coaching you to develop a zero-based budget. What do you have to lose, but debt?

Joe Easley, FSS is a COUNTRY Financial Advisor providing insurance and financial services for the communities in and around Spring Hill, TN 37174