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Money Mindset

holiday-budget-101 what you do and do not need to buy for your kids

Holiday Shopping on a Budget 101: What You Do and Do Not Need to Buy for Your Kids

In Finance, Phenomenal Living

The holidays can be deeply overwhelming as a single mom. It can be difficult if money is tight and it may serve as a reminder of the other parent’s absence. Sometimes we think that it is our job to love or provide for them times two. At one point, I shared with a friend the pressure that I felt as a single mom. I felt like I had to be both parents and make up for the fact that their dad walked out. I told her that I never wanted my children to feel his absence. She told me that…






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tiffany-beckford FNPhenomenal Mom

FNPhenomenal Mom Spotlight: Tiffany Beckford

In FNPhenomenal MOM, Phenomenal Living

FNPhenomenal Mom is a series that I am doing to highlight Single Moms who are amazing moms and who are also rocking it out personally in their careers, entrepreneurship, or in the community.  I think that it is important to show other single moms that it is possible to raise amazing children without sacrificing who you are as a woman.  These interviews are motivational, but also include practical advice on how to structure your life for success, financial management tips, and techniques to teach your children about finances.  We are all in this journey together.  My hope is to highlight other…






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Critical reasons why single moms need a will, trust, and full estate plan

Why Single Moms Need A Solid Estate Plan

In Finance

When I initially thought of estate planning, I thought that was something that wealthy people did who have a ton of money. I didn’t quite understand the importance of an estate plan for everyday people – especially single moms. However, I learned that estate planning isn’t just for the wealthy. It is a way to protect your assets to ensure that they are distributed according to your desires. Even if you think that you don’t have much in assets or even insurance, an estate plan is critical if you have minor children. This is critical for 7 reasons that I describe in…






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You are where you need to be because there are lessons that you have to learn and life tests that you need to pass before you can graduate to that next phase.

You Are Exactly Where You Need to Be In Life

In Frugal, Phenomenal

It’s easy to complain that you aren’t where you want to be, however, in reality, you are exactly where you need to be.  I know that sounds harsh.  You may be thinking, “What’s she talking about?  I don’t like what’s happening in my life right now.”  I say that you are where you need to be because there are lessons that you have to learn and life tests that you need to pass before you can graduate to that next phase. Unfortunately, the place that you need to be right now may be uncomfortable.  However, progress begins at the end…






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How to Get Focused and Set Goals that Stick

In Frugal, Phenomenal

In 2015, spending less and saving more was the 3rd most popular New Year’s resolution. Also, 34% of people who make New Year’s resolutions have money related goals. However, only 8% of people who make New Year’s resolutions are successful in achieving those goals. February just started, but according to the data, 36% of people who made resolutions have already given up. There are a number of reasons why people fail to achieve their goals. According to an article by Lifehack, setting vague goals that are not linked to a higher purpose are 2 reasons why people fail to achieve…






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