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Responsible Spending

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…

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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…

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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…

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20 Things You Are Wasting Money On

In Finance, Phenomenal Living

Imagine being able to save money without impacting your lifestyle by getting control over the items that you waste money on.  Before you start to slash your budget and cut out the fun, re-evaluate the ways that you spend without thinking.  Here are 20 ways that you waste money and how you can change this spending. Things you are probably wasting money on Overdraft Fees. Overdraft fees can be as high as $35 per transaction, so if you have 3 overdrafts per month then you end up spending $105 in fees.  What could you do with the extra money?  You…

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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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