About Joe Plemon

My Story

DOING IT WRONG

As Janice and I raised our four children, we thought we were doing all right, but we weren’t . We bought new cars we couldn’t afford. We used credit cards regularly and were constantly telling each other, “We need to get this thing paid down.” Then, a few years ago, I started listening to Dave Ramsey on the radio. His simple, hard hitting message struck a chord in me. I went home and told Janice about this guy who has the gall to tell people to grow up, sacrifice and get out of debt.

THE TOTAL MONEY MAKEOVER

We read his book, “The Total Money Makeover” and we were hooked. We made a budget and got serious about attacking our debts. We sold an expensive car and bought a less expensive car. We even paid off our house! I started hosting Financial Peace classes at our church and was amazed at the interest in our church and community. We were seeing dozens of people get out of debt and get control of their money. I knew that God had more plans for me. What if I could help lots of people with their finances?

STARTING A BUSINESS

Following a Dream

Following a Dream

It was time for me to get certified to do financial counseling and open my own business. I started Plemon Financial Coaching in the fall of 2006 and have loved meeting and helping dozens of people. Some are deeply in debt and some are quite wealthy. But all had one thing in common: they did not have a plan.  By learning their short term and long term fiancial goals, I help them develop a biblically based plan to achieve those goals.  In fact, my Mission Statment reads, “I promise to give others hope by helping them meet their financial goals through the use of biblical principles.”

TIME FOR A BLOG

I have learned much about personal finance during these past few years and as I have been learning I have been writing.  My financial coaching experience gives me plenty of real life scenarios that readers relate to.  I have been the Money Columnist for the Southern Illinoisan newspaper (circulation 30,000) since October, 2007.  I also write a weekly column for my home town weekly newspaper.  Friends and readers have encouraged me to start a blog, so “Personal Finance by the Book” seems to be a natural progression for me.

NOT ABOUT ME

But this endeavor is not about me.  It is about you.  I want to be your consumer advocate.  I want to give you good reasons to do the right things with your finances.  I plan to be open and transparent about my own journey and how it dovetails with biblical principles and your own journey.  I covet your input.  If you disagree with ANYTHING I write, please speak up.  And if I get something right, I appreciate your taking the time to let me know.

I thank you for joining me on this journey.  I sincerely wish to be a source of hope and encouragement for you.  I want to help you win at money and life.

Joe Plemon

{ 12 comments }

CindyS July 22, 2009 at 12:57 pm

Joe, Where did you get certified to do financial counseling or coaching?

Joe Plemon July 22, 2009 at 1:40 pm

CindyS,
Through the Dave Ramsey organization. I took the financial certification class three years ago.

Ryan January 27, 2010 at 10:35 pm

Joe, saw you on ChristianPF.com. I’ve got to say, you have an awesome story. I’ve only recently started looking for ways to do what I really care about and am also trying out blogging. Your involvement in helping others with their finances is a real inspiration, and I look forward to reading more about what you have to say.

God Bless!
-Ryan

joeplemon January 28, 2010 at 8:38 am

Ryan,
Thanks for the encouragement. I am glad to hear that you found me on ChristianPF…a role model of what a great blog should be. You will find me there about every other week. When I know that you are looking forward to reading what I have to say, I am inspired to write stuff that will make it worth your while.
I wish you well with obsessedanalytic!

Financial Samurai March 27, 2010 at 5:47 am

Hi Joe – Most excellent about page.

Can you tell me how difficult it was to get your CFP or financial planning license? Do you have a post that talks about?

Cheers, Sam

Shirley March 31, 2010 at 1:53 pm

For some reason some people think they don’t have to worry about finances that “whatever happens happens..” People need to understand that whether your rich, poor, in debt, or have perfect credit, you need to be a wise steward of all your blessings. Sounds like your doing a little something to help people see that. Way to go.

Jolyn@Budgets are the New Black April 13, 2010 at 10:34 pm

It’s all about having a plan! Exactly! What’s your “Why”? You may encounter bumps in the road, but at least you know where you are on the map!

We were never awful with money. We were just… mindless. I think that’s what Dave Does Best: He wakes people up! Something about his no-nonsense, sugar-free coating shakes people out of their doldrums and gives them the confidence and fire to take charge of their finances. I’d read lots of other financial gurus’ books before, but his TMMO was the one that really shook up my paradigm.

Financial Bondage June 17, 2010 at 8:48 am

good story Joe, thanks for sharing this.

Tanya April 2, 2011 at 3:25 am

You are the second person in a week to mention Dave Ramsay, I’ve just had a quick look at his book on Amazon and I think this could be a great help for us. It always comes down to making sure you are bringing in more than what goes out, as you start to have children, this isn’t always easy to do.
Thanks for the reminder.

joeplemon April 2, 2011 at 8:05 am

@Tanya,
Twice in one week. Hmmm. Dave’s book “The Total Money Makeover” is definitely worth reading!

Ethelyn September 29, 2011 at 6:39 pm

We were never awful with money. We were just… mindless. I think that’s what Dave Does Best: He wakes people up! Something about his no-nonsense, sugar-free coating shakes people out of their doldrums and gives them the confidence and fire to take charge of their finances. I’d read lots of other financial gurus’ books before, but his TMMO was the one that really shook up my paradigm.
+1
+1

Aron Darling November 29, 2011 at 5:51 pm

I am taking his training in Jan. I so can’t wait to help others with this training. This information would’ve saved my marriage and will make my next so much better. Eye Opening and Life Changing!