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Money Saving Tips

Why I Decided to Cloth Diaper My Twins

In Finance, FNPhenomenal MOM, Phenomenal Living

As a new mom of twins, whenever I said that I intended to use cloth diapers instead of disposable diapers, I got a variety of looks ranging from confusion to excitement. Some even commented that I was brave and wondered if I would have the time to breastfeed and cloth diaper my twins. When my friend first introduced the concept of cloth diapers, I was confused and a little freaked out. Come on, what do I do with the poop??? Plus, I couldn’t imagine dealing with pins and rubber pants! Despite learning that cloth diaper technology has come a long…

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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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Christmas is More Than the Gifts Under the Tree

In Frugal, Phenomenal

I just saw a post encouraging readers to meet with friends for coffee or drinks. The post really interested me because it really showed how genuine friendships are developed. Genuine friendships aren’t developed in the club or at the bar. They are developed in intimate settings where people can talk and be themselves. This doesn’t have to be costly either because many of the suggestions in the article were free or low cost. Click here to read the article. I share this with you because many of us focus on things like buying the perfect gift and how much we…

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There Are No Excuses

In Frugal, Phenomenal

“If somebody offers you an amazing opportunity but you are not sure you can do it, say yes – then learn how to do it later.” – Richard Branson  When you want something you just have to go out and get it.  You have to be open to new opportunities and not let the fear of the unknown stop you. I was recently offered an amazing opportunity to develop a course for Essence Magazine.  When we started the project I was 8 months pregnant with twins.  The thing about pregnancy is once you get past 35 or 36 weeks, your…

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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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