Hello All,
Shame on me for not posting to my blog in almost 4 months :(...I have been consumed with work, school, ministry work, family...that my blogs amongst many other things had to take a back seat!! I dont know how much I will be posting but I will try to do my best!!!
Ok so here we go....enjoy my blogs :)
Monday, July 25, 2011
Friday, March 18, 2011
I need some retail therapy in my life :)
February was such a rough month...I'm in desperate need of a get-away! I really need of some retail therapy in my life! I'm going out of town next week...and one of my main goals is to visit my favorite store H & M! I'm sooooo excited :) I am very aware of my budget and my money diet will be challenged on this trip however I am ready to put my self control to the test......think i can do it? I keep telling myself I WILL NOT OVER SPEND, I WILL NOT OVER SPEND.....lol! J/K
My plan is to take a certain amount of spending money and that's all that I can spend :( I'm really not feeling this but I know this is what I have to do to stick with my goals :) Pray for me...I'm definitely going to need it!
H & M...Here i come :)
Saving money & Meal Planning
Soooo..... Ive been planning my meals to save money on buying fast food....and so far so good! I work a couple of jobs during the week & go to school so grabbing something quick & easy was ideal, but it was hurting my pockets. I believe its nearly impossible not to purchase fast food at all, with a hectic schedule like mine....but purchasing food multiple times a day was ridiculous. Every week I start my week off by meal planning meals for the first few days of the week....For example
Monday: Breakfast: at home
Lunch: off-site lunch with team-purchase
Dinner: at home
Tuesday: Breakfast at home
Lunch: bring from home
Dinner: At home
Wednesday: Breakfast at home
Lunch: Purchase
Dinner: at home
On the days that I have to purchase food, I always search for the most in-expensive way to eat. Here are some ways that help me...
coupons (KC Star sunday's paper), dollar menus, microwaveable lean Cuisine meals, subway's $5 sandwich, HY-Vee salad bar
I hope this helps!
Hope for the best & prepare for the worst!
 |
| "Life is what happens to you, while you are busy making plans"-John Lennon |
Hello All,
Ive been away for a while due to terrible circumstances, but all will be well in due time :)
Any who, I wanted talk about the importance of having life insurance! When I was kid I thought life insurance was only for older people....#epicfail! Life insurance is for EVERYONE! Sometimes you never really know the importance of having something until it is desperately needed. Here is 3 reasons why life insurance is so important:
1) Income Replacement
- If you are a working spouse, chances are your family relies on your income to pay bills. A life insurance policy can help to replace that income when you're gone.
Wednesday, February 2, 2011
Not motivated? well here's a reason to grind....
Oprah Makes
385 million a year
32 million a month
1.05 million a day
43,000 an hour
7,427 a minute
Me: Why aren't you pursing your dreams?
Anonymous woman: I don't have the money
That has to be my biggest pet peeve with people! (EXCUSES ON NOT PURSUING A DREAM) Why is it that we make excuses for the things we lack in life? The person that I asked this question to has money to buy cigarettes, weed, liquor, money for the club and any other thing that she WANTS! things that make you go hmmmmmmm.......
OK Ladies, I am not a supporter of Oprah, but I do believe there is something to to learn from her like
the fact that she is the wealthiest African American Woman. LESSON TO LEARN: ..Oprah wasn't always wealthy, she had a starting point of pursuing her dreams and clearly made no excuses along the way.
We are all over comers of extreme life stressors like (Oprah) but lets not make our present circumstances a reason to not pursue our dreams. Lets stop making excuses..... God has a plan & purpose for us all. Lets seek God for it :)
#Empire state of mind! Let's go
"Command them to do good, to be rich in good deeds, and to be generous and willing to share".- 1Timothy 6:18
what's your net worth???
Article Posted by Black Enterprise...PLEASE READ
Don't be alarmed by the recent news that African American women only have a median net worth of $100. I'm actually glad to see that it wasn't in the negative. The reality of the situation is that too many people define themselves based on income. Many say "I make six-figures," or "I need to be in a two-income family." This is senseless talk. If you are not saving or investing that income in a place that will create true wealth, you are headed for a three-figure-net-worth future.
When I discuss what it means to be rich at seminars, I explain that the vision is different for everyone. But the one constant is that you will need to have wealth to achieve that rich vision. There is a simple formula for net worth; it's assets minus liabilities. Please note, INCOME is nowhere in this equation.
I commend the Insight Center for Community Economic Development for conducting a study of the wealth gap between women of color and white women. Perhaps, now more women will get a wake up call and start to do the following to change the picture and focus on building wealth:
A) Find Out Where You Stand
Knowing and accepting your situation is the first step to overcoming any situation.
Add up all your assets, i.e. everything you own or are borrowing-to-own (like a house, car, jewelry that's paid for on a Zales credit card, etc.)
Subtract everything you owe, i.e. credit card balances, car loans, mortgages, student loans, etc. Do not include utilities because that is not a debt, you can turn that off and the bill goes away. Unless of course, you have to still pay for months that have already passed (as in overdue bills).
Get your outcome number from applying steps 1 and 2. This number is your net worth. Don't panic or be alarmed if your number is in the negative. This is very common for the first time you apply this exercise. My number was like minus-$30,000 or something the first time I calculated my net worth.
I once interviewed a woman for a magazine story who said she actually got diarrhea after she realized her financial situation was so bleak. But imagine what she would have gotten if she didn't correct the situation. She was about $20,000 short every year for her basic living expenses, which was making her credit card debt mount and continue to ruin her net worth. But after she realized it, she got a job making more money and she is now living quite pretty. She actually lives close by me and she is doing quite well for herself with her million dollar home.
Growing The Net Worth of Black Women
Don't just be alarmed that the median net worth of black women is only $100—do something about it.
Don't be alarmed by the recent news that African American women only have a median net worth of $100. I'm actually glad to see that it wasn't in the negative. The reality of the situation is that too many people define themselves based on income. Many say "I make six-figures," or "I need to be in a two-income family." This is senseless talk. If you are not saving or investing that income in a place that will create true wealth, you are headed for a three-figure-net-worth future.When I discuss what it means to be rich at seminars, I explain that the vision is different for everyone. But the one constant is that you will need to have wealth to achieve that rich vision. There is a simple formula for net worth; it's assets minus liabilities. Please note, INCOME is nowhere in this equation.
I commend the Insight Center for Community Economic Development for conducting a study of the wealth gap between women of color and white women. Perhaps, now more women will get a wake up call and start to do the following to change the picture and focus on building wealth:
A) Find Out Where You Stand
Knowing and accepting your situation is the first step to overcoming any situation.
Add up all your assets, i.e. everything you own or are borrowing-to-own (like a house, car, jewelry that's paid for on a Zales credit card, etc.)
Subtract everything you owe, i.e. credit card balances, car loans, mortgages, student loans, etc. Do not include utilities because that is not a debt, you can turn that off and the bill goes away. Unless of course, you have to still pay for months that have already passed (as in overdue bills).
Get your outcome number from applying steps 1 and 2. This number is your net worth. Don't panic or be alarmed if your number is in the negative. This is very common for the first time you apply this exercise. My number was like minus-$30,000 or something the first time I calculated my net worth.
I once interviewed a woman for a magazine story who said she actually got diarrhea after she realized her financial situation was so bleak. But imagine what she would have gotten if she didn't correct the situation. She was about $20,000 short every year for her basic living expenses, which was making her credit card debt mount and continue to ruin her net worth. But after she realized it, she got a job making more money and she is now living quite pretty. She actually lives close by me and she is doing quite well for herself with her million dollar home.
The Power of a Renewed Mind::Speak Like
How you start your day usually determines the flow of your day.
Every morning, I sow my first seeds by having daily devotion.....as a part of that devotion I started speaking life into my future (words have power)...I started saying things like
Every morning, I sow my first seeds by having daily devotion.....as a part of that devotion I started speaking life into my future (words have power)...I started saying things like
"I am a Good Steward over my finances"
"I am a business woman"
"MY finances are blessed"
" I am blessed to be a blessing"...etc.
You should try it and watch things shift! :)
"Be transformed by the renewing of your mind."-Romans 12:2
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