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Phenomenal

5 Steps to a Better Financial Future

In Frugal, Phenomenal

Since we have almost 2 months left in 2015, I want to do a pulse check to see where you are. Did you set goals in January to help guide you throughout this year? If so, how did you do?  If you aren’t where you want to be, then there is still time to start over and take some critical steps towards achieving a better financial future. Step 1.  Determine your why. Your why is your reason for making the decision to do something different. Making changes you life, behavior, and habits takes work. Having a strong why will help…

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5 Emotional Reasons for Spending and How to Overcome It

In Frugal, Phenomenal

How many of you have ever gone shopping, brought the items home, and then thought, “Why did I buy that?”  If so, you may have purchased that item because you were emotionally shopping.  The problem with emotional shopping is that often times we purchase things that we don’t need, and we spend money that we don’t have available for that purchase. Read below to learn 5 reasons why we emotionally shop.  Understanding this will help you to recognize when you are emotionally shopping, and know what to do to stop it. Shop to de-stress.  Sometimes being stressed causes people to…

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Episode 017: Give Yourself the Space and Time to Identify the Things That Truly Make You Happy

In Phenomenal

Episode Description Alexis Sclamberg, one half of the Borrowed Wisdom duo, stopped by the Live Phenomenal Podcast this week to share her tips on living your authentic self.  The thing that I love most about this interview is that she encourages the listeners to give themselves the space and time to heal from past hurt and to figure out what they truly want out of life.  This is work that many people overlook so they end up living a life that is based on other people’s expectations and not aligned with their true purpose.  I encourage anyone who is trying…

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5 Smart Ways To Use Your Credit Card

In Frugal, Phenomenal

Credit isn’t bad; the misuse of credit is bad.  Credit can be very dangerous in the hands of an impulse spender or a person who defines herself by her closet.  This can cause that individual to go into a lot of debt.  However, if used wisely credit can be very helpful.  Let’s face it.  Our credit score matters because we need it if we want to buy a home and we need to carry a mortgage, to apply for an apartment, and sometimes to even be considered for employment.  Instead of thinking that credit is bad, I want you to…

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Searching For The Perfect Birthday Gift

In Frugal, Phenomenal

Showing the people that we love how much we appreciate them is extremely important.  Although you do not have to limit yourself to major events, I wanted to write a post about FNPhenomenal Ways to give the perfect birthday gift. Please note that you don’t have to spend a lot of money, or even buy a gift, to show the people who are important to us just how much we care. Here are 5 ways that you can save on that next birthday present and still be thoughtful. [more…] Use online savings sites.  I love sites like Groupon and Living…

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