Tag

Budgeting

recovering-starbucks-snob-saving-me-money

How recovering from being a Starbucks snob saved me money

In Finance, Phenomenal Living

Don’t get me wrong I LOVE a good cup of Starbucks coffee and a delicious Starbucks pastry. It is my own personal slice of happiness.  I love the coffee, the pastry, and the conversations that I have with the baristas when I am there.  One of the baristas even invited me to attend church and I gladly went the following Sunday. To me, Starbucks is an experience that I budgeted and even talk about in my first book and in the workshops that I teach. However, once I had twins, I had to rethink my spending habits. I had to…

Continue reading...
5-credit-card-mistakes and how to avoid them

5 Credit Card Mistakes to Avoid and How to Overcome Them

In Finance

Credit cards are popular because they are easy to use and convenient. Credit card use amongst millennials, the generation of people born between 1982 and 2004, is relatively high. According to a study by FICO, one in three, Millennials carries a monthly credit card balance between $1,000 and $4,999. Additionally, according to FICO, consumer research shows that 83 percent of Millennials (25-34 years old) use credit cards to fund their lifestyle.” This presents a risk to their financial future if credit is not used responsibly. Given this risk, it is best to be aware of some of the most common credit card…

Continue reading...
why self-care matters with personal finances

How A Mini Health Scare Taught Me Why Self Care Is Linked To Financial Wellness

In Faith, Phenomenal Living

I was running around trying to pack and get organized for a road trip and then all of a sudden I felt dizzy, light headed, and shaky. It felt like my blood sugar had dropped and I had to rush to get something to eat to feel better. It wasn’t the first time this had happened and earlier that day a friend of mine admonished me to take better care of myself. She praised everything that I was doing for the twins (cloth diapering, breastfeeding, and making my own baby food), but she cautioned me that everything that I was…

Continue reading...
What you need to do with your personal finances to be successful in business

Get Your Personal Finances Right: The Financial Steps You Need to Know Before Starting Your Business

In Finance

Starting a business is a way to increase your income and also pursue your dreams. However, what many people don’t realize is that your personal finances may impact your ability to grow a successful business for the following reasons: Obtaining a business loan and credit. If you are trying to apply for a business loan then the bank may look at your personal credit if you do not have sufficient business credit history or if you are a sole proprietorship. Funding your business. If you need to allocate a portion of your paycheck to help fund your start-up, then you…

Continue reading...
coping with single mom guilt or working mom guilt

How Understanding Your Role as Mom Will Save You Money and Stress

In Phenomenal Living

As single moms, sometimes we carry a lot of guilt and shame. We carry shame about the fact that our kids don’t have the other parent. Sometimes we think that it is our job to love them times two. I had a conversation with a friend of mine today, and I told her that I just want to love my kids more to make up for the fact that their dad walked out. Trust me, I use the word “dad” loosely. I already take on the parental responsibility of two parents, but I also try to love my children times…

Continue reading...