What Do You Need To Change To Be More Successful?

WHAT I DO: I help credit union executives, small business owners and entrepreneurs achieve professional growth, career advancement, increased earnings and work-life balancer by providing a customized developmental process based upon their unique needs.

WHO I WORK WITH: I partner with executives, business owners and senior-level managers including:

• Credit Unions
• CPA firms
• Auto Repair
• Publishing
• Hospital CEO’s.
• Chambers of Commerce
• Non-profits

WHY IT WORKS: When you partner with me, you get the most efficient, effective and affordable executive coaching and strategic planning processes that leaders like you are looking for right now.

WHAT MAKES ME DIFFERENT? I have run a business and faced many of the challenges you now face. I was for 29 years a credit union CEO, and prior to that in in consumer finance. I am a Vietnam Vet. My knowledge has been acquired over a long haul. I do not offer cookie-cutter solutions. In fact, I do not even suggest a solution until I understand you, your organization and your needs. No prescriptions without a diagnosis.

HOW IT WORKS: We begin by talking by telephone about your organization, your vision, and what does success look like. I start with a blank page and simply listen. I request 30-minutes initially, and then schedule a follow-up call to share what I feel is the best solution for you.

READY TO TALK? Reach out to me here on LinkedIn, e-mail me at tom@kesgroupllc.com, visit online at www.kesgroupllc.com or call me direct at 941-650-9027.
3 minutes reading time (547 words)

3 Ways to Reach Your Goal of Paying Off Your Debt

Many people have debt for a variety of reasons. You might have student loans, hospital bills, a car payment, or credit card debt. The debt that you incur can weigh you down until you pay it off. It might affect your ability to get another loan for something important, such as for a house. It can also affect your peace of mind because it forces you to live paycheck to paycheck, or it impedes on your ability to make more contributions to your retirement plan. While many people have debt, there are strategies that you can use to get out, and they might not be what you imagined. Here are a few ways that you can lower the amount of money that you owe.

Work Smarter, Not Harder

Some people take on a second job to pay down their bills. This strategy, however, can be problematic. When you work too much, you might just burn out. Working more hours only leads to less time spent on other activities, such as cooking meals at home. Instead, it becomes increasingly tempting to buy convenience foods, which is usually more expensive. The same is true if you have your own business. If you want to pay off your debt, you need to find another source of income or find other ways to save, and you need to spend your working hours wisely.

Reduce Your Spending

If you want to reduce your spending to pay off your debt, you'll need to make some changes. Do you have a daily specialty coffee habit that you could cut? Many coffees from coffee shops cost $5 a piece, which translates into about $150 a month. How about getting your nails professionally manicured every couple of weeks? That can add on $70 or more per month. If you have even a few luxury habits, you could be saving hundreds every month by cutting them out of your life and by making them a rare treat. Plan how to reduce your spending to pay off your debt faster. Make a list of everything that you could cut, then add up your total savings. Seeing the amount that you could save can give you a lot of motivation.

Pay Extra on Loans When You Can

Paying extra on high-interest loans can save you a lot of money in the long run. Many times, the paying the only a minimum amount on a business or home loan during the first 10 years barely touches the principal. Although many large loans have very low loan interest, if you commit to paying more than the minimum, you'll see your total debt lower much more quickly.

Having debt can be a burden that you think about constantly, but if you want to pay it off sooner, you need to have a plan. Write down a few ways that you could save, put a couple of methods into action, and track your progress. You'll be amazed at how much you can accomplish.

One of the best ways to mitigate debt and spending in business is to find those areas you waste and cut those out. Having an assessment from a trained and experienced third party can greatly help you and your business find those areas that need to be refined and improved.

4 Areas to Pay Attention to if You Want to Be a Be...
Strategic Planning For Optimum Business Management

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Saturday, 25 May 2019


“As a Senior Executive in the Credit Union industry - I have personally experienced along with my staff - what Tom brings to the table as a Coach. Tom is uniquely qualified from his experiences as CEO and President of a Credit Union and brings not only that experience but has a special way of identifying unique qualities that we all have but sometimes have not fully realized and utilized in the work place and in our personal lives. Tom delivers in such a way that exhibits high integrity and a genuine concern for his clients -- I strongly recommend Tom for your organization if you are looking for ways to inspire and motivate your staff to reach to the next level.”…Tim Smith

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P.O. Box 2025
Clayton, GA 30525