Generated by All in One SEO v4.9.0, this is an llms.txt file, used by LLMs to index the site. # FNPhenomenal Faith. Finance. Phenomenal Living for the Single Mom ## Sitemaps - [XML Sitemap](https://fnphenomenal.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [Learning to Trust Again After Dealing with Betrayal](https://fnphenomenal.com/learning-to-trust-again-after-dealing-with-betrayal/) - Have you ever dealt with betrayal? Are you wondering how to get back up again? Recently I joined the praying Single Moms Podcast with Lekeshia Cody. We discussed the topic, “Learning to Trust Again After Dealing with Betrayal.” We discussed: How to bounce back after going through financial hardship. How to move forward after an - [Learning How to Rest As A Single Mom](https://fnphenomenal.com/learning-how-to-rest-as-a-single-mom/) - I used to be proud to be a workaholic. When it was time to give birth to my twins, I brought my laptop with me to the hospital and began working once I got my epidural and the sharp pain of labor began to subside. I tried to take this same pace into motherhood. Exhaustion - [7 Ways To Start Funding Your Investment Account Even If You Don't Think You Make Enough](https://fnphenomenal.com/7-ways-to-start-funding-your-investment-account-even-if-you-dont-think-you-make-enough/) - Investing is a common financial goal for the New Year. However, after paying bills where is the additional money going to come from? This post will show you. - [Five Tested Techniques for Starting a Business in 2023](https://fnphenomenal.com/five-tested-techniques-for-starting-a-business-in-2023/) - Successful companies don't just appear overnight. They are made from scratch with much effort, money, resources, and commitment. Setting the scene for a thriving company requires several key actions, including developing an original and peculiar brand identity, comprehending your sector and target audience, and choosing to brainstorm or use a business name generator to find - [10 Powerful Lessons I Learned As a Financial Counselor](https://fnphenomenal.com/10-powerful-lessons-i-learned-as-a-financial-counselor/) - A few years ago, I was a financial counselor for a credit union. My role was to help members who were denied loans and lines of credit to learn how to manage their finances better. Part of the re-application process was to work with me to learn how to budget, read their credit reports, build - [12 Ways Plan Before Spending Your Stimulus Check](https://fnphenomenal.com/12-ways-plan-before-spending-your-stimulus-check/) - “If you fail to plan, then you plan to fail.” Therefore, plan before spending your stimulus check. Here are 12 ways to help you spend your stimulus money in a way that is aligned with your goals and values. - [The Biggest Investing Mistake Women Make](https://fnphenomenal.com/the-biggest-investing-mistake-women-make/) - We can become more secure around investing. In the post, "The Biggest Investing Mistake Women Make," we will discuss the biggest money mistakes women make. - [Holiday Shopping on a Budget 101: What You Do and Do Not Need to Buy for Your Kids](https://fnphenomenal.com/holiday-shopping-on-a-budget-101-what-you-do-and-do-not-need-to-buy-for-your-kids/) - 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. Learn how to holiday shop as a single mom. - [How to Spend Less Money, Have More Fun, and Have Less Stress This Holiday Season](https://fnphenomenal.com/how-to-spend-less-money-have-more-fun-and-have-less-stress-this-holiday-season/) - Learn the 5 steps to still have an amazing holiday season with less stress, more fun, all while spending less money this holiday season as a single mom. - [11 Lessons I Learned About Life When Writing My Book](https://fnphenomenal.com/11-lessons-i-learned-about-life-when-writing-my-book/) - The day that the ”Navigating the “Impossible”: A Survival Guide for Single Moms From Pregnancy Through The First Year Of Motherhood” books arrived, I went to post a picture of the day’s harvest from my garden. Usually, when I harvest vegetables, I post a picture of the harvest on social media. However, this particular day, - [Decide How to Respond When Things Seem Delayed](https://fnphenomenal.com/decide-how-to-respond-when-things-seem-delayed/) - I received a notification that my book 📕 order for “Navigating the “Impossible”: A Survival Guide for Single Moms from Pregnancy Through the First Year of Motherhood” was delayed and then a day or 2 later another notification saying that if I didn’t receive the books by a certain day I can cancel the order. - [What it Means to Be Walking in Obedience to God](https://fnphenomenal.com/what-it-means-to-be-walking-in-obedience-to-god/) - I started a YouTube channel! To get started, I set a goal to upload 2 videos per week to build the channel. One video per week is dedicated to teaching a Bible study. The other video is dedicated to sharing something personal to my single motherhood journey to show how God has been Father (Abba) - [It Takes a Village: How Single Moms Can Build A Support Network](https://fnphenomenal.com/it-takes-a-village-how-single-moms-can-build-a-support-network/) - Building your support network as a single mom is critical. Don’t miss out on critical rest or peace of mind because you are trying to be Supermom. - [Let Freedom Ring](https://fnphenomenal.com/let-freedom-ring/) - just like we fight to maintain our country’s freedom, we must also fight for our freedom to walk in the freedom of the Lord - [What Does It Mean To Be Independent?](https://fnphenomenal.com/what-does-it-mean-to-be-independent/) - As we approach the 4th of July holiday, I want you to think about what it means to be free. When you think of freedom, what words or feelings typically cross your mind? Do you think about the time freedom to do whatever you want? - [If you’re looking for a sign, then this is it](https://fnphenomenal.com/if-youre-looking-for-a-sign-then-this-is-it/) - “If you’re looking for a sign, then this is it.” ‼️ These words rang true in my mind today. I literally opened up my Facebook app and came face to face with something I knew, yet I didn’t want to admit. I was running. Running from God. Running from what I am called to do. My identity in Christ because that’s what’s lasting. - [Managing Business vs. Personal Finances as a First-Time Business Owner](https://fnphenomenal.com/managing-business-vs-personal-finances-as-a-first-time-business-owner/) - Managing your money is difficult in itself – when you become a business owner, these financial challenges are two-fold. Not only do you have to manage homeownership, paying down debt, and boosting your personal savings account, but you also have to balance your business finances. This includes everything from business loans, day-to-day operations, taxes, and more. - [How to Offset the Cost of Rising Inflation](https://fnphenomenal.com/how-to-offset-the-cost-of-rising-inflation/) - One of the biggest concerns single moms have in transitioning from corporate to full-time entrepreneurship is, “What will happen to my finances?” This is why I’m a big believer that creating an exit strategy is essential to successfully exiting corporate in a financially responsible way. A big piece of this is building up your savings - [Budgeting For Your Home as an Entrepreneur](https://fnphenomenal.com/budgeting-for-your-home-as-an-entrepreneur/) - While being a business owner can bring you great financial success, it can also come with a unique set of challenges – one particular challenge being buying a home. Owning your business may have helped you walk away from your job, bring in six figures, and save for a down payment, but entrepreneurs’ unique circumstances force - [8 Ways to Claw Your Way Out of Debt Now](https://fnphenomenal.com/8-ways-to-claw-your-way-out-of-debt-now/) - For many consumers, getting rid of debt can be difficult. Debt comes in many forms,from school loans to credit cards. In wake of the Covid-19 pandemic, managing yourfinances is more important than ever. Some people have had to take pay cuts andothers lost their jobs completely. If you’re looking to get on top of your - [Do You Need A Social Media Break?](https://fnphenomenal.com/do-you-need-a-social-media-break/) - Do You Need A Social Media Break? Am I the only one who can get distracted by social media? I spoke to a friend of mine one day and she told me she was taking a social media break. She said that every time she logged onto social media she began to feel bad about - [What I Learned From 2020 Part 1](https://fnphenomenal.com/what-i-learned-from-2020-part-1/) - When I look at the news, social media, memes, and email I feel bombarded with all of the headlines and messages about how terrible 2020 was. Yes, the pandemic ravaged the entire world and upended our lives. Yes, the economy did tank (but it is also rebounding). Yes, this was a uniquely challenging year globally. - [What I Learned From 2020 Part 2](https://fnphenomenal.com/what-i-learned-from-2020-part-2/) - I believe that it is important to find gratitude in all situations (even if it is hard). Gratitude helps to shift your perspective and allows us to identify the lessons we need to learn and it puts us on the path towards joy. Therefore, I thought it was important to write down the lessons that - [The American Dream](https://fnphenomenal.com/the-american-dream/) - “American Dream…. What American Dream?” pondered Nina. Nina, thought back to American History class where the teacher discussed the American Dream as consisting of 2.5 kids, owning a home with a white picket fence, and having a dog and a cat. Like many people her age, she dreamt of fame and fortune. In fact, that - [One Thing You Need To Know About Unemployment Benefits](https://fnphenomenal.com/one-thing-you-need-to-know-about-unemployment-benefits/) - The COVID-19 pandemic has upended life around the world. Moms have been hit very hard. This post will show moms a key thing to know about unemployment benefits. - [10 Smart and Quick Ways to Spend Your Tax Refund Wisely](https://fnphenomenal.com/10-smart-and-quick-ways-to-spend-your-tax-refund-wisely/) - Getting a tax refund? Here are 10 ways to spend your tax refund that will bring you more peace and move you closer to your financial goals. - [How to Stick With Your Financial New Year’s Resolutions](https://fnphenomenal.com/how-to-stick-with-your-financial-new-years-resolutions/) - Taking control of how you manage your money is one of the best gifts that you can give yourself. Learn the 7 keys today to financial management in this post. - [How Single Moms Can Grow Their Money Through Investing](https://fnphenomenal.com/how-to-grow-your-money-through-investing/) - If you are a single mom and are interested in making your money grow, then read on to see how you can start investing. - [The Single Mom's Guide to Buying A Home](https://fnphenomenal.com/the-single-moms-guide-to-buying-a-home/) - Homeownership has amazing benefits and it is a dream of many people. Ernestine Mitchell, who is a real estate agent and single mom, joins me on the Phenomenal Moms Podcast with Aisha Taylor to discuss how single moms can buy a home. - [Relocating as a Single Mom](https://fnphenomenal.com/relocating-as-a-single-mom/) - Relocating is challenging and relocating as a single mom is harder. Kim Williams of Single Black Motherhood joins the Phenomenal Moms Podcast with Aisha Taylor to share how she relocated as a single mom and what she learned that experience. - [7 Ways to Save Money on Children's Clothing](https://fnphenomenal.com/7-ways-to-save-money-on-childrens-clothing/) - Kids grow fast and clothing and replacing clothing can get expensive. This podcast episode will discuss 7 ways to save money on children’s clothes. - [How Single Moms Can Help Their Children Pursue Their Dreams](https://fnphenomenal.com/how-single-moms-can-help-their-children-pursue-their-dreams/) - Are you a single mom who is wondering if your children can pursue their dreams? This episode shows that you why you don't have to live a life of lack and your children can achieve their dreams. - [7 Ways Single Moms Can Earn Extra Income Without A Second Job](https://fnphenomenal.com/7-ways-single-moms-can-earn-extra-income-without-a-second-job/) - As a single mom, there can be pressure on the household finances. This podcast will teach you 7 ways to earn extra income without getting a second job. - [How Single Moms Can Teach Their Kids Financial Literacy](https://fnphenomenal.com/how-single-moms-can-teach-their-kids-financial-literacy/) - You cannot rely on the schools to teach financial literacy. Therefore, teaching financial literacy must be done at home. In this podcast episode, I'm joined by Tasha Danielle, CPA of Financial Garden, a youth financial literacy company, to talk about how single moms can teach their children about financial literacy. - [5 Things That Can Destroy Your Budget And How To Overcome Them](https://fnphenomenal.com/5-things-that-can-destroy-your-budget-and-how-to-overcome-them/) - The budget is critical to your financial journey but it isn't enough. If you embark on a financial plan then in addition to developing a budget you must understand what can derail your plan and develop a plan to help you anticipate those things and develop a plan to overcome. - [How Having A "Now" Mindset Can Impact Your Money](https://fnphenomenal.com/how-having-a-now-mindset-can-impact-your-money/) - Do you feel like a great SALE pops up every time you make a commitment to save, invest, or manage your money better? You feel like you work hard so you deserve to treat yourself? In this podcast episode, you will learn the top 2 reasons why managing your money with a long-term mindset is so hard. - [How To Start Investing As A Single Mom](https://fnphenomenal.com/how-to-start-investing-as-a-single-mom/) - Do you think that investing as a single mom is impossible? Do you think that you don't have the right knowledge or enough income to get started? In today's podcast, Aja McClahanan of Principles of Increase joins the Phenomenal Moms Podcast to talk about how to get started with investing. - [Give Yourself A Monthly Raise With This Simple Tip](https://fnphenomenal.com/give-yourself-a-monthly-raise-with-this-simple-tip/) - Wish you had more money in your paycheck? In this post, you will learn how to increase your monthly income by changing your tax withholdings. - [7 {Basically} Risk-Free Ways to Earn a Little Extra Money Without Getting A Second Job](https://fnphenomenal.com/7-basically-risk-free-ways-to-earn-a-little-extra-money-without-getting-a-second-job/) - As a single mom, it is extremely important to keep your income options open. Learn 7 ways to increase your income without getting a second job. - [How Single Moms Can Stay Sane and Not Go Broke During the Summer](https://fnphenomenal.com/how-single-moms-can-stay-sane-and-not-go-broke-during-the-summer/) - Childcare during the summer can be expensive and staying home from work in the summer may not be an option. Learn free and low-cost options for the summer. - [6 Life Lessons I Learned From Booker T. Washington](https://fnphenomenal.com/6-life-lessons-i-learned-from-booker-t-washington/) - One day as I was as reflecting back on the lessons I learned from Booker T. Washington, I realized just how many of those lessons I can apply to my single motherhood journey. In this post, I share the 6 biggest lessons that I learned. - [How to Avoid Burnout As A Single Mom](https://fnphenomenal.com/how-to-avoid-burnout-as-a-single-mom/) - Are you a single mom who feels exhausted and stretched thin? Single mom burnout is real. Erica Blocker of Moms With Dreams - [6 Money Management Lessons From The Government Shutdown](https://fnphenomenal.com/6-money-management-lessons-from-the-government-shutdown/) - I share 6 money management lessons we can learn from the government shutdown that will help you to better protect your financial security going forward. - [How Single Moms Can Raise Boys That Thrive And Grow Into Amazing Men](https://fnphenomenal.com/how-single-moms-can-raise-boys-that-thrive-and-grow-into-amazing-men/) - We discuss the things that single moms can do to help their sons, better support them, and help them to grow into amazing men with good character who thrive. - [Let Go Of The Things That Are Too Small For You](https://fnphenomenal.com/let-go-of-the-things-that-are-too-small-for-you/) - Sometimes we hold on to small mindsets and beliefs that no longer serve us and also hinder us. Let Go Of The Things That Are Too Small For You and embrace your identity in God. - [7 Lessons I Learned As A Single Mother (Part 2)](https://fnphenomenal.com/7-lessons-i-learned-as-a-single-mother-part-2/) - Have you ever claimed that you rely on God as your guide? Today I share how being a single mom has strengthened my faith in Jesus and taught me to trust Him. - [7 Lessons I Learned As A Single Mother (Part 1)](https://fnphenomenal.com/7-lessons-i-learned-as-a-single-mother-part-1/) - Have you ever claimed that you rely on God as your guide? Today I share how being a single mom has strengthened my faith in Jesus and taught me to trust Him. - [7 Essential Lessons For Your Single Motherhood Journey](https://fnphenomenal.com/7-essential-lessons-for-your-single-motherhood-journey/) - Are you feeling single mom guilt? Are you battling feelings of perfection or inadequacy? Are you losing yourself in motherhood? I share 7 Lessons that will help on your motherhood journey. - [Parenting God's Way](https://fnphenomenal.com/parenting-gods-way/) - Wondering how to raise children with good character? Wondering how to not lose your temper with your kids? In this episode, we will discuss Parenting God's Way. - [Helpful Ways To Get Your Children Involved In Community Service](https://fnphenomenal.com/helpful-ways-to-get-your-children-involved-in-community-service/) - Learn how to help your children get involved in community service. Also, this is a great post to help you to find ideas for how to serve during the holidays. - [Part 2: Building Your Support Network As A Single Mom (even if you live far away from family)](https://fnphenomenal.com/part-2-building-your-support-network-as-a-single-mom-even-if-you-live-far-away-from-family/) - Have you wondered how to do your due diligence when choosing a person, organization, summer program, mentoring program, etc. to watch or mentor your children? Kaywanda Lamb and I discuss building a support system as a single mom even if you don't live near friends or family - [Part 1: Building Your Support Network As A Single Mom (even if you live far away from family)](https://fnphenomenal.com/part-1-building-your-support-network-as-a-single-mom-even-if-you-live-far-away-from-family/) - Ever felt like you were alone as a single mom? Kaywanda Lamb and I discuss building a support system as a single mom even if you don't live near friends or family - [7 Ways to Find Gratitude Even When It Seems Impossible](https://fnphenomenal.com/7-ways-to-find-gratitude-even-when-it-seems-impossible/) - This is so important because the more you look for gratitude, the more you will find it. Today, we will talk about 7 Ways to Find Gratitude Even When It Seems Impossible. - [Embracing Your Journey As a Single Mom](https://fnphenomenal.com/embracing-your-journey-as-a-single-mom/) - Have you ever felt like you were alone in your single motherhood journey and that no one understood you? When you listen to this episode you will get to hear the real talk and encouragement that I pray that more of us get to have each and every day. - [3 Books To Help Single Moms Find More Peace In Motherhood](https://fnphenomenal.com/3-books-to-help-single-moms-find-more-peace-in-motherhood/) - In this blog post, I am sharing my three favorite parenting books that helped me find more peace, learn effective positive parenting discipline strategies, and learn how to better parent God’s way. - [Why It Is Important to Pay Attention to the Small Things and How to Start Doing It](https://fnphenomenal.com/why-it-is-important-to-pay-attention-to-the-small-things-and-how-to-start-doing-it/) - So often things pop up in our lives that we need to deal with, but for many reasons, we put them off. However, if we don’t deal with or pay attention to these things then over time, they can get bigger and can cause a bigger problem. - [The Power of "No" On Your Time and Money](https://fnphenomenal.com/the-power-of-no-on-your-time-and-money/) - Are you a single mom who is exhausted from balancing work, motherhood, and everything else that you have to do? In this episode, I share what I learned and how "no" will help you to manage both your time and money better. - [4 Money Tips to Teach Your Kids As A Single Mom](https://fnphenomenal.com/4-money-tips-to-teach-your-kids-as-a-single-mom/) - It's imperative that parents start and consistently discuss financial literacy with their children. Learn how to teach your children financial literacy. - [Why God Loves Single Moms And Her Children](https://fnphenomenal.com/why-god-loves-single-moms-and-her-children/) - It is sad, but true that if you are a single mom some people will look at you as if you are wearing, or should be wearing a scarlet letter. In this podcast episode, we will discuss what God says about single moms and her children and how single moms can learn to believe God's promises. - [3 Books That Helped To Teach Me How To Pray](https://fnphenomenal.com/3-books-that-helped-to-teach-me-how-to-pray/) - This post is going to share 3 books and even a bonus book that will help to aid you in developing a prayer life by helping to make prayer easier and more accessible by providing a non-intimidating place to start. - [7 Ways To Save For College as a Single Mom](https://fnphenomenal.com/7-ways-to-save-for-college-as-a-single-mom/) - In this podcast episode, I share 7 practical and assessable tips to help single moms start to save for their children’s college education. These tips will help you to start saving even if there is no additional room in the budget. - [3 Ways To Declutter and Earn Extra Money For Back To School Shopping](https://fnphenomenal.com/3-ways-to-declutter-and-earn-extra-money-for-back-to-school-shopping/) - Some moms declutter their children's closets, sell the clothes that their children no longer fit, and earn extra money to cover the costs of new clothes. Learn how to save money through decluttering. - [How Single Moms Can Walk More In Obedience With God](https://fnphenomenal.com/walking-in-obedience-with-god/) - Do you struggle with letting go so God can become the guide of your life? Using lessons from Noah's Ark (Genesis 7) this podcast episode will teach you how to be more obedient to God. - [Self-Care For The Busy Mom](https://fnphenomenal.com/self-care-for-the-busy-mom/) - If you are a mom who is feeling stress then you are not alone. Motherhood means late nights, early mornings, and busy days. In today's podcast, Tara Pringle Jefferson, founder of The Self-Care Suite joins me to discuss the importance of self-care and why it is essential that all moms practice it. - [Debunking the Top Stereotypes of a Single Mom](https://fnphenomenal.com/debunking-the-top-stereotypes-of-a-single-mom/) - Chic Dickson of Socially Chic stops by the Phenomenal Moms Podcast to discuss how she went from crying in the parking lot of the grocery store on her first day of single motherhood unsure of how to grocery shop with 3 little children, her journey as a single mom of 3, and how you don't have to - [Are You Content To Sit In Your Own Mess?](https://fnphenomenal.com/are-you-content-to-sit-in-your-own-mess/) - Just as we fail to understand why a child would rather play & refuse a diaper change, I wonder if God looks at us the same way. Learn how to get out your mess. - [What About Your Friends? Maintaining Friendships After Having A Baby](https://fnphenomenal.com/what-about-your-friends-maintaining-friendships-after-having-a-baby/) - I share this story with you to let you know that if you are a mom and you are struggling with maintaining your friendships that you are not alone. Learn how to manage your friendships after having a baby. - [Lessons from the Flood: What Noah Can Teach Us About Obedience](https://fnphenomenal.com/lessons-from-the-flood-what-noah-can-teach-us-about-obedience/) - Many of us can create different outcomes for our families and ourselves if we obeyed God. Learn what you can do as a parent to tune into the word of God. - [How To Cope With Your Finances As A Single Mom](https://fnphenomenal.com/how-to-cope-with-your-finances-as-a-single-mom/) - On average, the cost of raising a child is over $200,000, and that’s a scary figure to try and find when you’re not exactly prepared financially. Luckily, there are easy and effective ways of making sure that you can cope with your finances as a single mom. This post shares 4 tips on how to prepare financially. - [How to Travel As A Single Mom](https://fnphenomenal.com/how-to-travel-as-a-single-mom/) - Single motherhood is not a wish to live a life void of phenomenal experiences. On this episode, Aisha is joined by Aja Rutledge, a single mom who is a travel blogger, lives internationally with her son, and owns a travel agency. We discuss how single moms can travel and create great memories with their children. - [How to Save Your First or Next $1,000](https://fnphenomenal.com/how-to-save-your-first-or-next-1000/) - A common question that I get from single moms is, “How do I build a savings account?” Starting a savings account can seem difficult and in some cases impossible. In this podcast episode, we will be discussing and creating a plan for how to save your first or next $1,000 within the next 365 Days (or sooner). - [How To Handle Father's Day As A Single Mom](https://fnphenomenal.com/how-to-handle-fathers-day-as-a-single-mom/) - Are you a single mom who is stressed out about Father's Day? Are you wondering how to handle Father's Day emotionally? Are you wondering whether or not you should celebrate Father's Day? This week Nanekia Ansari of Just One Hot Mom chats with me to discuss how single moms can prepare emotionally and find peace on Father's Day. - [Why Becoming A Single Mom Can Be Great Financially](https://fnphenomenal.com/why-becoming-a-single-mom-can-be-great-financially/) - Are you afraid of what single motherhood means for your finances? This podcast episode will show you why becoming a single mom can help you in the area of financial management and the critical things you must do to improve your money management skills. - [What the Toys R Us Closing Taught Me About Shopping Local](https://fnphenomenal.com/what-the-toys-r-us-closing-taught-me-about-shopping-local/) - The Toys R Us liquidation has been upsetting to me and a little hard to process. However, this bankruptcy has taught me lessons about shopping in my local community. I encourage you to rethink your shopping patterns and start to focus on shopping small, locally owned businesses, and larger businesses in your community. - [Why Becoming A Single Mom Can Be One Of The Best Things To Ever Happen To You (And Yes I Mean Financially)](https://fnphenomenal.com/why-becoming-a-single-mom-can-be-one-of-the-best-things-to-ever-happen-to-you-and-yes-i-mean-financially/) - Becoming a single mom can help you become better at how you manage your money, how you will make better financial decisions. This post will show you how. - [The Most Rewarding Vacation Spots for a Single Mom and Her Kids + What it Takes to Get There Financially](https://fnphenomenal.com/he-most-rewarding-vacation-spots-for-a-single-mom-and-her-kids-what-it-takes-to-get-there-financially/) - Did you know that even as a single mom you can take amazing vacations and create great memories with your children? Learn how you can travel debt-free. - [That Day Someone Used A Racial Slur Against My Children](https://fnphenomenal.com/that-day-someone-used-a-racial-slur-against-my-children/) - Aisha tackles the question, "How do you respond when someone says something offensive towards you or your children?" Aisha will be discussing an incident at the grocery store she had to deal with and she shares her thoughts on the incident when someone called the police on the black family who was BBQing. - [Finding Peace As A Single Mom](https://fnphenomenal.com/finding-peace-as-a-single-mom/) - Peace can seem elusive when you are busy with work, kids, maintaining the home, and trying to find time for yourself. Sometimes it can feel like never-ending chaos. Learn how single moms can find and preserve their peace regardless of where they are in life. - [Are you afraid you will fail your children?](https://fnphenomenal.com/are-you-afraid-you-will-fail-your-children/) - Have you ever felt like you would fail your children? Fear of failure is a common feeling among single moms and non-single moms. Learn 5 tips to help shift your mindset and how to choose faith instead of fear. - [Is Mom Competition Making You Go Broke?](https://fnphenomenal.com/is-mom-competition-making-you-go-broke/) - Do you find yourself measuring your mom skills to what you see on Instagram, Pinterest or what your friends are doing? Are you going into debt trying to keep up with trends or what you see on social media? Do you feel pressure to carry the latest bag, wear certain brands, or dress your children - [Believing Bigger as a Single Mom](https://fnphenomenal.com/believing-bigger-as-a-single-mom/) - Dr. Shanté of the Believing Bigger Podcast stops by the Phenomenal Moms Podcast to discuss how she didn't allow single motherhood to destroy her dreams. It is possible to accomplish your goals and dreams as a single mom. - [The 4 Lessons I Learned From Failure + My New Podcast](https://fnphenomenal.com/the-4-lessons-i-learned-from-failure-my-new-podcast/) - I learned so much from my experiences with failing at podcasting and not building the right team. These lessons apply to entrepreneurship as well as motherhood. I’m going to break down what I learned into 4 key lessons. - [Are You Working Too Much?](https://fnphenomenal.com/are-you-working-too-much/) - Do you wish that you could work less, but you can’t? In this podcast episode, we will explore how overspending causes you to work more, have less time, and miss the things that matter. Then we will discuss the money management practices that can help you to get more of your time back. - [17 Lessons I Learned From Reading "The Alchemist" (Part 2)](https://fnphenomenal.com/17-lessons-i-learned-from-reading-the-alchemist-part-2/) - If you are unsure about where God is trying to move you, but you know that He is trying to tell you to do something, then these lessons may help give you insight on where God may be leading you and what you need to do to start taking action. - [17 Lessons I Learned From Reading The Alchemist (Part 1)](https://fnphenomenal.com/17-lessons-i-learned-from-reading-the-alchemist-part-1/) - What might seem like a stepping-stone on the path to purpose may be a step backwards or even off the path of my purpose. Check out why in these lessons. - [17 Lessons I Learned From Reading The Alchemist (Part 3)](https://fnphenomenal.com/17-lessons-i-learned-from-reading-the-alchemist-part-3/) - Change can be hard especially if it is an unexpected change. As you go throughout life you will always experience change – some good and some that don’t feel good. However, in those moments it is so important to guard your hearts and minds and to keep persisting. In this post, I will be sharing - [Episode 006: How Giving and Serving Increases Your Happiness and Abundance](https://fnphenomenal.com/episode-006-how-giving-and-serving-increases-your-happiness-and-abundance/) - In this episode, Gail Perry-Mason stops by the Live Phenomenal Podcast to share her journey from starting as an administrative assistant to becoming an officer at a Wall Street Bank. She attributes most of her success towards servant leadership, caring about other people's lives, and hard work. During this episode she says, "You never have met a broke giver." Tune in to learn some key money tips, but also learn why giving and serving are important to abundant living. - [5 Travel Tips To Help Keep More Money in Your Wallet](https://fnphenomenal.com/5-travel-tips-to-help-keep-more-money-in-your-wallet/) - Learn the ways to make traveling a little more friendly on your wallet. Imagine reducing the cost of your trip so you can either spend more while you are there or put the savings towards one of your financial goals! - [How Asking A Pro Can Save You Money…Maybe](https://fnphenomenal.com/how-asking-a-pro-can-save-you-moneymaybe/) - I'm renovating a room in my condo and one of the last things that I need to do is to paint. I had been trying to figure out how I could save money on the paint. - [Episode 007: How Shifting Your Mindset Can Create a Path to Abundance](https://fnphenomenal.com/episode-007-how-shifting-your-mindset-can-create-a-path-to-abundance/) - Episode Description Dr. Jinneh shares her journey on how she successfully battled depression and losing everything to becoming a PhD, national speaker, and successful business owner. She shares her story of eliminating debt, creating new habits, and transforming into the person who God has called her to be. My favorite quote in this podcast is, - [Don’t Get Lost In The Summer-Time Shuffle: Taking Me Time](https://fnphenomenal.com/dont-get-lost-in-the-summer-time-shuffle-taking-me-time/) - The summer time can be very hectic time. The long days gives us more time to enjoy daylight hours. The beautiful weather, especially for those of us who get a lot of snow in the winter, makes us want to be outside, pack our social calendar, and maximize the day. - [Episodes 008 & 009: Why you need to persist in the face of fear and uncertainty.](https://fnphenomenal.com/episodes-008-009-why-you-need-to-persist-in-the-face-of-fear-and-uncertainty/) - This week I had the pleasure of interviewing AJ Williams of the Single Black Chick on the Live Phenomenal Podcast. She shared some amazing points about why fear is necessary and how you can turn fear into an advantage by praying, persisting, persevering, and developing strength. - [Be Frugal With Your Time Just as You Would Be Frugal With Your Bank Account](https://fnphenomenal.com/be-frugal-with-your-time-just-as-you-would-be-frugal-with-your-bank-account/) - Over the past few months I've often mentioned managing your time effectively, because time is the one thing that you cannot get back. This has been increasingly important for me because I have a ton of things on my plate and I am kind of Type A so I think that I can do everything. - [Episode 010: How to Get Out of the Box and Live Your Life](https://fnphenomenal.com/episode-010-how-to-get-out-of-the-box-and-live-your-life/) - This week I had the pleasure of interviewing Aprille Franks-Hunt, CEO of Women Recharged. This is a truly phenomenal interview as Aprille shares her tips on how to combat fear, feelings of inadequacy, and conformity. These are three things keeping you trapped in a box and preventing you from living the life that you are meant to live. - [Frugal Yet Phenomenal Bottles of Wine for Less Than $10](https://fnphenomenal.com/frugal-yet-phenomenal-bottles-of-wine-for-less-than-10/) - With the summer in full effect, and the social gatherings all around us, I started to wonder which bottles of wine would be great to bring to a friend’s house without getting the side eye. As professional women, we want to have amazing experiences and have some knowledge about wine, but how do you know which wines to buy without breaking the bank? - [Episode 011: Walk in Faith, Obedience, and In Your Purpose to Have an Amazing Life](https://fnphenomenal.com/episode-011-walk-in-faith-obedience-and-in-your-purpose-to-have-an-amazing-life/) - This week I had the pleasure of interviewing Stephanie Helms-Pickett, Director of the Women’s Center at Duke University. She shared her amazing journey and why having faith is so important. This interview is so impactful because Stephanie touches on so many topics that we all struggle with. She shares tips on how to relax more and enjoy the moment, how to listen to God and walk in his Word, frugal money tips, and even how to deal with judgmental people. No matter where you are in life right now, something in this interview will definitely speak to you. - [Back to School Shopping Tips](https://fnphenomenal.com/back-to-school-shopping-tips-2/) - According to Bankrate.com parents will spend $670 just to get one child ready for school this year. If you are getting ready to send your children to school this year, then here are ways to help reduce your costs. - [Episode 012: Get Disciplined, Learn How to Believe In Yourself, & Take Action](https://fnphenomenal.com/episode-012-get-disciplined-learn-how-to-believe-in-yourself-take-action/) - This week I had the pleasure of interviewing Kyra Crandol, owner of Studio Thrift. This is an amazing interview because not only does she share tips about how to successfully thrift and to navigate sales without blowing your budget, she also shares some very valuable life principles. Kyra works a full-time job, but decided to pursue entrepreneurship in her spare time, because she was looking for a way to find more fulfillment in her life. Working full-time and managing a successful business is difficult, so Kyra also shares some of her favorite techniques that keep her on track. These will be sure to help you as well. Listen in, take notes, and then take action! - [How Increase Your Savings by Making It Automatic](https://fnphenomenal.com/how-increase-your-savings-by-making-it-automatic/) - If there was one book that totally transformed my approach towards money, it had to be the Automatic Millionaire by David Bach. This book taught me that if I want to be successful with savings and investing, then you must make it automatic. The brilliance behind this concept is you can’t spend what you don’t see. - [Episode 013: How to Manage Through Tests, Pain, and Disappointment](https://fnphenomenal.com/episode-013-how-to-manage-through-tests-pain-and-disappointment/) - Episode Description This week I had the pleasure of interviewing Joy Evans, Cofounder of Single Pearls of Wisdom. This interview was totally phenomenal as Joy talked about turning your pain into your biggest testimony. Everyone goes through hurt, pain, and disappointment. However, it is what you do in those moments that shows your character and - [Episode 014: Living in Your Moment & Truth](https://fnphenomenal.com/episode-014-living-in-your-moment-truth/) - Episode Description One problem that many people face is failing to live in the moment and enjoy life right where they are. In this podcast Dr. Sharri Coleman shares how she had to learn how to appreciate and live in the moment. That simple lesson helped her to find more enjoyment out of life. Another - [Can You Survive Off of $100 a Week?](https://fnphenomenal.com/can-you-survive-off-of-100-a-week/) - A while ago someone asked me if I could survive off of $100 for one week I initially gasped and thought about how limiting that this would be. Then I started to think about it and realized that it shouldn’t be that hard. - [From Pinching Pennies to Living FNPhenomenally](https://fnphenomenal.com/from-pinching-pennies-to-living-fnphenomenally/) - Aisha Taylor, the CEO and founder of FNPhenomenal, is a financial freedom expert who brings a fresh twist to wealth consciousness. Although Aisha had been well-instructed on how to manage money, she fell into the trap of “keeping up with the Joneses” and had to develop a positive relationship with money in order to reach financial freedom. - [Episode 015: Get Uncomfortable & Live a Life That Is Authentic To You](https://fnphenomenal.com/episode-015-get-uncomfortable-live-a-life-that-is-authentic-to-you/) - Gwen Jimmere is a single mom who owns an international business that she started from her kitchen. In this podcast she shares how she overcame divorce and getting laid off during her divorce to growing an international company. - [Searching For The Perfect Birthday Gift](https://fnphenomenal.com/searching-for-the-perfect-birthday-gift/) - Showing the people that we love how much we appreciate them is extremely important. Here are 5 ways that you can save on that next birthday present and still be thoughtful. - [5 Smart Ways To Use Your Credit Card](https://fnphenomenal.com/5-smart-ways-to-use-your-credit-card/) - Credit isn't bad; the misuse of credit is bad. However, if used wisely credit can be very helpful. Here are 5 ways that you can use credit responsibly. - [Is it Time to Search for a New Job?](https://fnphenomenal.com/is-it-time-to-search-for-a-new-job/) - The first day of spring was officially March 20th, and although it doesn’t feel like spring yet in Detroit, it doesn’t mean that it isn’t time to start to think about spring-cleaning your life. One of the things that you may need to re-evaluate is your job. Ask yourself is your job continuing to serve - [The Challenges of the Entrepreneur Journey](https://fnphenomenal.com/the-challenges-of-the-entrepreneur-journey/) - Recently I had the opportunity to purchase a ticket to see Duke play in the NCAA Finals Game in Indianapolis. I really wanted to go, but I decided against it. I decided not to go because I had just taken a trip to Cuba and I realized that I couldn't keep using the excuse that - [4 Ways to Combat the “I’m Rich on Payday” Feeling](https://fnphenomenal.com/4-ways-to-combat-the-im-rich-on-payday-feeling/) - Have you ever looked at your bank account on payday and felt like you were rich? Did the increase in your account start to make you excited and anxious? Did that money start to burn a hole in your pocket and you just had to spend it to treat yourself for working hard over the - [How to Decide if You Should Put Your Bills on Auto Pay](https://fnphenomenal.com/how-to-decide-if-you-should-put-your-bills-on-auto-pay/) - Recently I was speaking at a workshop and one of the participants asked me whether she should put her bills on auto pay or if she should manually pay them. The issue that she was having was that she would forget that her bills were on auto pay, would spend money that she didn’t have, - [How to Give Back According to Where You Are in Life](https://fnphenomenal.com/how-to-give-back-according-to-where-you-are-in-life/) - One of the things that I’ve heard people ask is, “If I’m not where I want to be, then how can I give back?” You don’t have to be rich to make a difference. - [Go Big or Go Home!](https://fnphenomenal.com/go-big-or-go-home/) - We are meant to have an abundant life of purpose but many people fall short of living a full life because of fear. Fear makes us play small and doubt who we are - [The Power of Letting Go](https://fnphenomenal.com/the-power-of-letting-go/) - Letting go doesn't mean giving up or quitting. Instead, what it means is giving God the space to put the things in our lives that are meant to be there. - [Cupcakes, Coffee, and Conversations](https://fnphenomenal.com/cupcakes-coffee-and-conversations/) - Join Aisha Taylor of FNPhenomenal and AJ Williams of Single Black Chick We'll be #CHICKchatting it up about life, sisterhood, love, finances and so much more! - [Frugal Graduation Gift and Celebration Ideas](https://fnphenomenal.com/frugal-graduation-gift-and-celebration-ideas/) - This is the season for a lot of graduations, which means graduation parties and gifts. You can have a phenomenal celebration and give amazing gifts, but still keep things low cost. - [How to Create a Side Hustle to Generate Additional Income](https://fnphenomenal.com/how-to-create-a-side-hustle-to-generate-additional-income/) - I run into many people who tell me that they would like to get ahead financially or stop the stress of living paycheck-to-paycheck but their biggest barrier to accomplishing that goal is that they don’t make enough money. - [Podcast Episode 001: The Best Tools to Start and Grow Your Business on a Budget](https://fnphenomenal.com/podcast-episode-001-the-best-tools-to-start-and-grow-your-business-on-a-budget/) - Episode Description This week FNPhenomenal Founder, Aisha Taylor, is Interviewing Dr. Shante Bishop of Branding for Believers. In this episode Dr. Bishop discusses why starting a purpose-based business is a part of Living Phenomenal. She also discusses how this business can be started with little investment just by taking advantage of free resources. Listen now - [How to Shop for Dad this Father’s Day Without Breaking the Bank](https://fnphenomenal.com/how-to-shop-for-dad-this-fathers-day-without-breaking-the-bank/) - Father’s Day is a chance to show your father or father figure in your life how much you care. Keep reading for a few gift buying tips for Dad this Father's Day. - [Podcast Episode 002: Getting Your Shopping Done for Less](https://fnphenomenal.com/podcast-episode-002-getting-your-shopping-done-for-less/) - Today we have Charice Mitchell, CEO of Big Envy, a lifestyle concierge company here to share the tips that you need to know to get your shopping done for less and to learn what brings you the most value. She is a guru who understands when are where to make major and minor purchases which allows you to buy the things that you want or need for less. Therefore, this will help you keep more of that hard earned money in your pocket. - [Before You Say Yes, Think About the Cost of Being a Bridesmaid](https://fnphenomenal.com/before-you-say-yes-think-about-the-cost-of-being-a-bridesmaid/) - The cost of attending a wedding isn’t just hard for the bridal party, it’s difficult for wedding guests as well. Learn ways to save on the bridesmaid costs. - [Episode 003: Getting Your Perfect Personal Style Without Breaking the Bank](https://fnphenomenal.com/episode-003-getting-your-perfect-personal-style-without-breaking-the-bank/) - In today's episode Ebony Rutherford of Trish's Garage joins the Live Phenomenal Podcast to talk about why having a personal style is important for any FNPhenomenal Woman, and how to get this style for any body type, and budget. - [5 Critical Questions to Ask Yourself Before You Lend Money to Someone](https://fnphenomenal.com/5-critical-questions-to-ask-yourself-before-you-lend-money-to-someone/) - Have you ever been approached by a friend or a family member who requested to borrow money from you? Sometimes it can be a really uncomfortable situation. - [Episode 004: How to Maximize Your Chances for Success](https://fnphenomenal.com/episode-004-how-to-maximize-your-chances-for-success/) - In today's episode Ebony Rutherford of Trish's Garage joins the Live Phenomenal Podcast to talk about why having a personal style is important for any FNPhenomenal Woman, and how to get this style for any body type, and budget. - [Episode 005: How to Maximize Your Wardrobe on a Budget](https://fnphenomenal.com/episode-005-how-to-maximize-your-wardrobe-on-a-budget/) - Don't be afraid to thrive and stand out. In this episode, Aaja talks about how you can use your wardrobe and confidence to stand out from the crowd to maximize your life. - [5 Simple Ways to Stay Calm and Out of Debt During the Holiday Season](https://fnphenomenal.com/5-simple-ways-to-stay-calm-and-out-of-debt-during-the-holiday-season/) - The holiday season can be very stressful for a number of reasons. People may feel alone, there is more traffic than normal in the malls, and there is the pressure to buy the perfect gift. It can definitely be overwhelming, but here are some tips on how to stay calm, maintain your sanity, and actually - [How to Stick to Your Budget During the Holiday Season](https://fnphenomenal.com/how-to-stick-to-your-budget-during-the-holiday-season/) - About 32% of Americans have a household budget. Having a budget it an amazing start, but it is not enough. You have to know how to follow it. Last week I discussed the steps that you need to follow to develop a budget for the holiday season. This week I want to share 5 strategies - [How to Set Goals that Will Actually Stick in the New Year](https://fnphenomenal.com/how-to-set-goals-that-will-actually-stick-in-the-new-year/) - One of the primary reasons people don’t stick to goals is that the goals are not appropriate or realistic. Often, when we decide to do something, we set lofty goals without defining specific milestones and eventually we give up because we get discouraged with our lack of progress towards the end result. We may not - [New Year. New Ideas. New Goals. Are You Ready? + FREE Download](https://fnphenomenal.com/new-year-new-ideas-new-goals-are-you-ready/) - As 2014 comes to a close and we embark on a new year, it is important that we take the time to reflect on how the prior year went. - [Welcome to Your New Start!](https://fnphenomenal.com/welcome-to-your-new-start/) - Learninghow to start the new year. - [The Only Place That You Will Ever Be Successful](https://fnphenomenal.com/the-only-place-that-you-will-ever-be-successful/) - Growth happens when you get uncomfortable. As we begin this New Year we should be focused on hitting new goals and having new experiences so this year isn’t a replay of previous years. - [#ImBeautyInspired to Be #FNPhenomenal Virtual Vision Board Party](https://fnphenomenal.com/imbeautyinspired-to-be-fnphenomenal-virtual-vision-board-party/) - Join FNPhenomenal Founder, Aisha Taylor, and Renee B. of Beauty School ScArlet on January 19 as we host the #ImBeautyInspired to Be #FNPhenomenal Virtual Vision Board Party. As we begin a New Year, it is a time to reflect and set your intentions for the New Year. If the these questions are questions that you have - [Why it is Important to Manage Your Calendar](https://fnphenomenal.com/why-it-is-important-to-manage-your-calendar/) - Recently I heard someone speak and they said that they manage their life according to their calendar. The speaker said that each day they evaluate where they are going, why they are going, and what will happen when they go. This individual asks all of these questions because they understand the importance of managing their - [[Jet Magazine Feature] 5 Money Management Tips For College Students](https://fnphenomenal.com/5-money-management-tips-for-college-students/) - Three weeks into the new year, and millions of Americans are still clinging to the resolutions they made on Jan. 1. Many of us are pledging to create better habits, while others are committing to ditch bad ones. One dangerous habit that many college students fall victim to is accumulating debt. That’s why this week - [[Live Workshop] 5 Steps to Overcome the Post Holiday Pinch](https://fnphenomenal.com/live-workshop-5-steps-to-overcome-the-post-holiday-pinch/) - Did you overspend over the holiday season? Are you already feeling the impact that it has had on your 2015? If so then you are not alone. The average person was expected to spend $861 on gifts this season and in the United States during the 2014 holiday season. For some people, this resulted in - [How to Overcome Challenges When You Face Them](https://fnphenomenal.com/how-to-overcome-challenges-when-you-face-them/) - Whenever you are embarking on a new journey you will always be faced with challenges and difficulties that interfere with your ability to stay on track. However, it's not about the difficulties it's about how you respond to the challenges. Challenges and difficulties are designed to test us to see if we want what we - [Why I Learned to Say No and Not Feel Bad About It](https://fnphenomenal.com/why-i-learned-to-say-no-and-not-feel-bad-about-it/) - How many times have you ever dragged yourself out of the house or stopped by somewhere on the way home and you really didn’t feel like it? You probably did it because you told someone that you would be there at a certain time, and you don’t want to break your promise. Trust me. I’ve - [FNPhenomenal Woman: Ebony Rutherford - Owner of Trish's Garage](https://fnphenomenal.com/fnphenomenal-woman-ebony-rutherford-owner-of-trishs-garage/) - This month's FNPhenomenal Woman is Ebony Rutherford of Trish's Garage. I met her at my book launch party in early 2014, and I loved her energy and spirit. She is such an amazing entrepreneur and I'm so excited to feature her as February's FNPhenomenal Woman. 1. What do you do and why is it important? - [What I Wished That I Knew Before I Shattered My Cell Phone](https://fnphenomenal.com/what-i-wished-that-i-knew-before-i-shattered-my-cell-phone/) - This weekend I was pulling my cell phone out of my pocket and then it slipped out of my hand. As I saw it making its way to the concrete parking lot all I could do was pray that it didn’t land face down. However it did. It landed in the kiss of death position - [What I Learned From Becoming a Full Time Entrepreneur](https://fnphenomenal.com/what-i-learned-from-becoming-a-full-time-entrepreneur/) - I've been on this full time entrepreneur journey for about 1.5 months now, and I've learned a ton. I think that the hardest part of the journey is actually managing myself. You see becoming an entrepreneur is not for the faint of heart. It's not for those who want to see quick results. If you - [[Live Workshop] Get Your Personal Finances Right: The Financial Steps You Need to Know Before Starting Your Business](https://fnphenomenal.com/live-workshop-get-your-personal-finances-right-the-financial-steps-you-need-to-know-before-starting-your-business/) - Ever wonder what steps that you need to take to prepare yourself for entrepreneurship? Did you know that your ability to manage your personal finances properly impacts your ability to sustain or grow your business? Wish you knew the steps that you needed to take to become a better steward of your money so you - [What You Need to Consider When Starting a Business](https://fnphenomenal.com/what-you-need-to-consider-when-starting-a-business/) - Recently I embarked on full-time entrepreneurship and the road is harder than I expected but way more fulfilling than I ever could have imagined. Since I started this full-time journey I often get questions about how I started FNPhenomenal. Therefore, I decided to compile the 4 things that really helped me at the beginning of - [FNPhenomenal Woman: AJ Williams, Blogger in Chief at Single Black Chick](https://fnphenomenal.com/fnphenomenal-woman-aj-williams-blogger-in-chief-at-single-black-chick/) - FNPhenomenal Founder, Aisha Taylor, interviews Single Black Chick Blogger in Chief AJ Williams - [How to Identify the Money Leaks in Your Budget](https://fnphenomenal.com/how-to-identify-the-money-leaks-in-your-budget/) - There will always be money flowing out of your bank account because of your monthly expenses, but there are other costs – money leaks – that may cause your bank account to deplete faster than you expect. - [How to Spend Your Tax Refund This Year](https://fnphenomenal.com/how-to-spend-your-tax-refund-this-year/) - It's tax time and according to CNN Money nearly 8 in 10 US tax filers will receive a refund this year. If you are one of these people, you may be wondering, "How should I use my refund?" I have heard so many stories of people who had been delaying a repair or the purchase - [Why You Need to Think Twice Before Co-Signing](https://fnphenomenal.com/why-you-need-to-think-twice-before-co-signing/) - To cosign or not to cosign? This the question. Over the years I have heard so many horror stories where people have either co-signed on a loan, apartment, line of credit, or rental car and then the individual who asked them to co-sign stopped paying. In all of the cases that I know about the - [5 Lessons that I Learned from the Design Your Own Brand Conference](https://fnphenomenal.com/5-lessons-that-i-learned-from-the-design-your-own-brand-conference/) - Over the weekend I attended the Design Your Own Brand Conference (DYOB) hosted by the CEO/Founder of DesignHer Label, Dr. Shante’ Bishop. The conference was amazing and it was unlike anything that I have ever attended. In addition to a wealth of knowledge, the attendees were given makeovers, and walked away with professional headshots. Also, - [How to Leverage Your Talents to Increase Your Income](https://fnphenomenal.com/how-to-leverage-your-talents-to-increase-your-income/) - “You can’t cut your way to financial freedom.” I can’t remember who told me that quote, but it’s so true. Many times we focus just on cutting our expenses, but sometimes we find that there is nothing left to cut back. You also need to increase your income. Think about losing weight. Many fitness experts - [FNPhenomenal Woman: Dr. Jinneh Dyson, Speaker, Coach and Author of Think Your Way Up](https://fnphenomenal.com/fnphenomenal-woman-dr-jinneh-dyson-speaker-coach-and-author-of-think-your-way-up/) - FNPhenomenal Woman is a monthly series where I take the conversations that we have as women that are empowering, informative, and fun and bring them to the world. In the spirit of Maya Angelou’s poem Phenomenal Woman, I want to showcase how phenomenal we are and that we have something unique and amazing to bring to - [The Importance of Being Still](https://fnphenomenal.com/the-importance-of-being-still/) - A few months ago I was struggling with a decision between what I thought "made sense and what was safer" vs where God was leading me. As I continued to reflect and decide, one thing was clear - I needed to stay still and listen. In this world of constant simulation, it's hard to just - [Why You Need to Try Your Clothes on as Soon as You Buy](https://fnphenomenal.com/why-you-need-to-try-your-clothes-on-as-soon-as-you-buy/) - About two months ago I purchased a 3-pack of leggings on Groupon Goods. I love Groupon Goods, because it allows me to get some things that I would have purchased anyway for less. Well, it turns out that these leggings didn’t fit at all. It seems like they were meant for someone more petite. The - [5 Tips To Manage Your Credit Wisely](https://fnphenomenal.com/5-tips-to-manage-your-credit-wisely/) - Many people don’t understand how important their credit score is. Your credit score is an indication of how well you manage your money and how fiscally responsible you are. Think of it like your school transcripts and report card, so you want it to be as high as possible. Banks use your credit to determine - [5 Steps You Need to Develop an Effective Holiday Budget](https://fnphenomenal.com/5-steps-you-need-to-develop-an-effective-holiday-budget/) - The holiday season is in full swing, and has been since practically September, but now the email alerts for Black Friday deals are cluttering your inbox. The pressure is on to find the perfect gift for everyone on your Christmas list, but how do you accomplish your goal without breaking your bank or paying for - [My Sacrifice is Not Your Sacrifice](https://fnphenomenal.com/my-sacrifice-is-not-your-sacrifice/) - Comparison syndrome is a huge problem. We compare ourselves to other people, reality tv stars, and celebrities and then we beat ourselves up about what we aren’t doing. We don’t know what people have been through or what they’ve had to sacrifice to get to where they are, so we can’t compare ourselves to them. - [How to Avoid Paying for Your 2014 Purchases Over the Next 4 Years](https://fnphenomenal.com/how-to-avoid-paying-for-your-2014-purchases-over-the-next-4-years/) - With the holiday season upon us, there are so many temptations to spend. One of the biggest traps is the discount in exchange for opening up a store credit card. As you prepare to check out, the friendly cashier will ask you if you would like to save anywhere from 10-20% if you open up - [How I Survived Only Wearing 8 Items for 30 Days](https://fnphenomenal.com/how-i-survived-only-wearing-8-items-for-30-days/) - Imagine this… You are told that you can only keep 8 articles of clothing in your closet. You can’t take anything else, but you can mix and match your outfits with endless shoes and accessories. Can you do it? Are you up for the challenge? Well, that’s what my blogger girls and I decided to - [The Difference Between a Rich and a Broke Mindset](https://fnphenomenal.com/the-difference-between-a-rich-and-a-broke-mindset/) - "My family has money and we still shop secondhand. How do you think the rich stay rich? Did you know Mary Kay clipped coupons?" One day, I was on a plane to San Diego and, I was speaking to the guy next to me about investing in yourself and the conversation expanded to the difference - [How Making Small Changes Helps to Save Money](https://fnphenomenal.com/how-making-small-changes-helps-to-save-money/) - Achieving financial freedom doesn't mean that you have to be a sacrifice all of the fun and enjoyable things in your life. “Smart swaps” allow you to make changes with less impact to your life. For example, I truly enjoy going to Starbucks. Initially, my drink of choice was a white chocolate mocha. After purchasing - [FNPhenomenal Woman: Genesis Dorsey of Girls of Royalty](https://fnphenomenal.com/fnphenomenal-woman-genesis-dorsey-of-girls-of-royalty/) - FNPhenomenal Woman is a monthly series where I take the conversations that we have as women that are empowering, informative, and fun and bring them to the world. In the spirit of Maya Angelou’s poem Phenomenal Woman, I want to showcase how phenomenal we are and that we have something unique and amazing to bring to - [FREE TeleSummit: How To Navigate The Holidays Phenomenally](https://fnphenomenal.com/free-telesummit-how-to-navigate-the-holidays-phenomenally/) - The holiday times can be a time of fun and family, but it can also be a time of overspending and stress. In this telesummit we will teach you how to navigate the holidays phenomenally so you don't just survive, but to thrive during the holidays with your sanity and wallet in tact. [more...] We - [Don’t Wait for 2015, Start Now!](https://fnphenomenal.com/dont-wait-for-2015-start-now/) - I don’t know about you, but 2014 has totally flown by. I remember NYE of 2013, and now the year is almost done. I honestly don’t know where the tine has gone! As we start to think about what we have accomplished or didn’t accomplish in 2014, it’s easy to beat ourselves up for the - [Easy Tips on How to Keep Your Packages Safe This Season](https://fnphenomenal.com/easy-tips-on-how-to-keep-your-packages-safe-this-season/) - As online shopping increases in popularity, so does the potential for theft. Unfortunately, there are people who follow delivery trucks around with the hope of finding a package with good merchandise left on a porch to steal. A few years ago, I had a friend who ordered a new cell phone, and the box was - [3 Easy Tips To Learn How To Start Saving For Retirement Today](https://fnphenomenal.com/3-easy-tips-to-learn-how-to-start-saving-for-retirement-today-2/) - Starting to save for retirement is extremely important. First, no one knows if social security will be around or in what form when we retire so it is important that we start to save. Starting early is best because you are able to make smaller contributions over a longer period of time, which minimizes the - [Is Your Social Life and Spending Patterns Killing Your Budget?](https://fnphenomenal.com/is-your-social-life-and-spending-patterns-killing-your-budget/) - How many of you get paid on a Friday and within a week you are wondering where all of your money went? You look back over the past week and you know that you had a great time, but you’re not quite sure of where the money went. I definitely know the feeling. Recently I - [How to Purge Your Closet for the New Year](https://fnphenomenal.com/how-to-purge-your-closet-for-the-new-year/) - One day I had brunch with two friends who are heavily into fashion. One is a designer and the other one is a stylist. Naturally, we started to talk about fashion, and then the conversation turned into the topic: how much is too much and what do you do with the clothes that you don’t - [FNPhenomenal Woman: Jacqueline Baker](https://fnphenomenal.com/fnphenomenal-woman-jacqueline-baker/) - I selected Jacqueline Baker who is not only a good friend of mine and frequent collaborator, she is also a woman who I admire and look up to given what she has been able to accomplish with Scarlet Communications. - [How to Avoid the Cell Phone Upgrade Trap](https://fnphenomenal.com/how-to-avoid-the-cell-phone-upgrade-trap/) - Earlier this year, I had been craving a new iPhone, but I decided against the investment. I remember looking down at my iPhone 4 smiling, as I thought about the marketing genius in convincing people to purchase a new phone every year. Many people around the world upgrade their phones every 1-2 years. Each upgrade - [Learning From Your Shopping Mistakes](https://fnphenomenal.com/learning-from-your-shopping-mistakes/) - Everyone overspends at some point. However, don't feel guilty, because there is still a lesson in the mistake. Take this time to learn how to manage your shopping differently. - [5 Ways To Effectively Dispute a Credit Card Transaction](https://fnphenomenal.com/5-ways-to-effectively-dispute-a-credit-card-transaction/) - At some point you will probably get hit with a charge that you need to dispute. Read more to learn how to effectively dispute that charge. - [How to Save Money by Minimizing Food Waste](https://fnphenomenal.com/how-to-save-money-by-minimizing-food-waste/) - This post talks about 4 reasons why we over spend on food and then provides 5 ways to stop it. - [3 Power Tips for Saving Money at the Grocery Store](https://fnphenomenal.com/3-power-tips-for-saving-money-at-the-grocery-store/) - How many times have you walked into a grocery store and said, ‘I just need 5 things,’ and the next thing you know you have a cart full of stuff you want but don’t need? Sound familiar? We’ve all been there. We know exactly what we need, but often times we buy more. Maybe - [The Hidden Dangers of Paying off Your Credit Card Debt](https://fnphenomenal.com/the-hidden-dangers-of-paying-off-your-credit-card-debt-2/) - You may read this title, and think, “What hidden dangers could be associated with paying down my credit card debt? Becoming debt free is a good thing, right?” That is a true statement. Becoming debt free is an awesome thing, but there is something that you need to be aware of: reoccurring payments. Many people - [Is Work-Life Balance a Myth?](https://fnphenomenal.com/is-work-life-balance-a-myth/) - In this post we examine if we can have it all. Can you truly find work-life balance? - [FNPhenomenal Woman: Toya Nicole & Renee B. Co-Founders of Boardroom Beauties](https://fnphenomenal.com/fnphenomenal-woman-toya-nicole-renee-b-co-founders-of-boardroom-beauties-2/) - FNPhenomenal Woman is a monthly series where I take the conversations that we have as women that are empowering, informative, and fun and bring them to the world. In the spirit of Maya Angelou’s poem Phenomenal Woman, I want to showcase how phenomenal we are and that we have something unique and amazing to bring to the world. - [Back to School Shopping Tips](https://fnphenomenal.com/back-to-school-shopping-tips/) - It’s back to school time, and many parents are roaming the aisles of stores around the country to buy new school supplies and clothes. Although, this is an exciting time of year, it can also be very expensive. I saw the school supplies list for my goddaughter and I cringed. - [My Big (Expensive) Shopping Mistake](https://fnphenomenal.com/my-big-expensive-shopping-mistake/) - One of my favorite topics to teach about is the concept of spending money to save money. This was a topic that I thought that I thoroughly understood because my father always emphasized the importance of the concept. However, about a month ago, I seemed to forget the lesson I know so well. I had - [My Big (Expensive) Shopping Mistake](https://fnphenomenal.com/my-big-expensive-shopping-mistake-2/) - One of my favorite topics to teach about is the concept of spending money to save money. This was a topic that I thought that I thoroughly understood because my father always emphasized the importance of the concept. However, about a month ago, I seemed to forget the lesson I know so well. I had - [Learning How to Turn A Setback into a Comeback](https://fnphenomenal.com/learning-how-to-turn-a-setback-into-a-comeback/) - I was recently talking to my friend, AJ Williams of The Single Black Chick, and she told me that her car broke down. She spent a lot of time and thought about what she was going to do about transportation in Detroit. She immediately started to think that she would have to purchase a car - [5 Tips to Effectively Negotiate and Get What You Want](https://fnphenomenal.com/5-tips-to-effectively-negotiate-and-get-what-you-want/) - Women typically are way less likely to ask for what we want and less likely to negotiate. This is why women typically still pay more than men and why women still earn less than men. What we need to understand is that the worst that can happen is that someone says no. However, if you don’t - [How to Save Money by Eliminating Late Fees](https://fnphenomenal.com/how-to-save-money-by-eliminating-late-fees/) - One common budget leak are late fees. The good news is that this is a money leak that can easily be plugged with a little bit of planning and automation. - [Learning How to Plan and Achieve Your Goals](https://fnphenomenal.com/learning-how-to-plan-and-achieve-your-goals/) - Many people would never take a road trip without a GPS or map, but often operate their lives without a plan or a goal. Just like in road trips, you need to take the time to plan, prioritize, and determine where you are going if you want to hit your destination. Without the plan or - [5 Questions to Ask Yourself Before You Upgrade Your iPhone](https://fnphenomenal.com/5-questions-to-ask-yourself-before-you-upgrade-your-iphone/) - The Apple iPhone just was released and there were lines around the corner of fans who just had to have the newest phone. I know a few people who were trying to get off of work early so they could go purchase the new phone. Many of the people who I know who upgraded had - [3 Easy Tips To Learn How To Start Saving For Retirement Today](https://fnphenomenal.com/3-easy-tips-to-learn-how-to-start-saving-for-retirement-today/) - Starting to save for retirement is extremely important. First, no one knows if social security will be around or in what form when we retire so it is important that we start to save. Starting early is best because you are able to make smaller contributions over a longer period of time, which minimizes the - [FNPhenomenal Woman: Kara Stevens of Frugal Feminista](https://fnphenomenal.com/fnphenomenal-woman-kara-stevens-of-frugal-feminista/) - FNPhenomenal Woman is a monthly series where I take the conversations that we have as women that are empowering, informative, and fun and bring them to the world. In the spirit of Maya Angelou’s poem Phenomenal Woman, I want to showcase how phenomenal we are and that we have something unique and amazing to bring to - [Why It is Important to be Patient When It Comes to Spending Money](https://fnphenomenal.com/why-it-is-important-to-be-patient-when-it-comes-to-spending-money/) - A few weeks ago I wrote a post asking you to ask 5 questions before buying a new iPhone. I was inspired to write that post because a friend of mine was trying to figure out how she could get off of work early to buy the new phone. I wrote the article and then - [Nine Daily Habits That Will Make You Happier](https://fnphenomenal.com/nine-daily-habits-that-will-make-you-happier/) - Sometimes it is important to take the time to reflect on where you are and how far you have come. This is especially important when you are embarking on a new life change. Recently I re-read a post that I wrote back in 2012 when I was in the midst of paying down credit card - [3 Frugal Memorial Day Celebration Tips](https://fnphenomenal.com/3-frugal-memorial-day-celebration-tips/) - So it’s the Memorial Day holiday and for many of us, this is a 3-day weekend. Given the time off of work, nice weather, and desire to spend time with family and friends, it is very easy to get off track with spending. Look, it’s ok to have fun, but you just have to be - [5 Lessons I Learned from the Speak and Write Conference](https://fnphenomenal.com/5-lessons-i-learned-from-the-speak-and-write-conference/) - Earlier this month I got the opportunity to attend the Speak & Write to Make Millions conference in San Diego, CA. This is Lisa Nichols’annual conference. I wanted to share the top 5 lessons that I learned from this conference. Enjoy the lessons, and be sure to leave a message in the comments to let - [How To Plan a Party on a Budget](https://fnphenomenal.com/how-to-plan-a-party-on-a-budget/) - Want to host a party and your bank account disagrees? Fret not, you ALWAYS deserve to celebrate. The first step, and some people disagree, is to create a budget. Yes I know, I know, but it will keep you on the path to a great party! Trust me. The easiest way to create a budget, - [R.I.P. Maya Angelou](https://fnphenomenal.com/r-i-p-maya-angelou/) - Today we lost a legend and an icon in Dr. Maya Angelou. Words cannot express how heartbroken I am. Many of you don't know this, but the poem "Phenomenal Woman" inspired my love of the word phenomenal. When I decided on the name Frugal -n- Phenomenal (FNPhenomenal), I could hear the poem “Phenomenal Woman” playing - [5 Lessons Learned from the Unleash Your Incredible Conference](https://fnphenomenal.com/5-lessons-learned-from-the-unleash-your-incredible-conference/) - Two weeks ago I attended the Unleash Your Incredible Conference hosted by Darnyelle Jervey in Reston, VA. This conference was a one–of–a–kind transformational experience. If you haven’t been to it, I strongly encourage you to attend next year. Because I am committed to working on my phenomenal, and I am committed to sharing my learning - [What to Do When You Don’t Want What You Buy](https://fnphenomenal.com/what-to-do-when-you-dont-want-what-you-buy/) - How many times have you purchased something and then when you got home you regretted it? I don’t know about you, but there are items that I own, but I never removed the tags. Generally when I bought those items, I had doubts, but I either purchased them because they were either: On sale, I - [Learning to Be Ok with Taking Some “Me” Time](https://fnphenomenal.com/learning-to-be-ok-with-taking-some-me-time-2/) - Being the overachiever that Nina is, it’s hard for her to understand that it is perfectly normal, in fact recommended to schedule in some “me time”. She recently went through a patch where all she did was work long hours, attend a few events, volunteered, ran errands, and helped out her family. At the end - [How to Stop Other People From Spending Your Money](https://fnphenomenal.com/how-to-stop-other-people-from-spending-your-money/) - How many times have you heard the phrase, “I know you have it!” Maybe we said it to our parents when we were younger, or maybe friends or family have said it to us. Regardless of the situation, someone else is counting another person’s pockets! It’s hard enough to manage our own money without falling - [What to Do When Your Closet is Overflowing](https://fnphenomenal.com/what-to-do-when-your-closet-is-overflowing/) - Over the weekend I had brunch with two friends who are heavily into fashion. One is a designer and the other one is a stylist. Naturally, we started to talk about fashion, and then the conversation turned into the topic: how much is too much and what do you do with the clothes that you - [5 Money Saving Tips You Can Start Today](https://fnphenomenal.com/5-money-saving-tips-you-can-start-today/) - One of the largest barriers to creating a financial plan or any lifestyle change is not knowing where to start. One of my favorite analogies is 'How do you eat an elephant? You eat it one bite at a time.' I say this not because I advocate eating elephants, (because I actually think they're cute!), - [Save Money by Reducing Parking Tickets](https://fnphenomenal.com/save-money-by-reducing-parking-tickets/) - Recently a friend told me that the parking tickets in Detroit went up from $20 per infraction for an expired meter ($10 if you paid it within a week) to $45 with no pay by date discount. That really caught my attention. You see, I was that person who conducted a cost benefit of risking - [Early Retirement Planning For The Smart Woman](https://fnphenomenal.com/early-retirement-planning-for-the-smart-woman/) - One day a friend of mine told me that she had some extra cash and was wondering what she should do with it. I asked her if she had a retirement account. She was a successful, educated woman so I naturally assumed that she knew about retirement accounts. Her next response shocked me. She said - [Free Download: The FNPhenomenal 4th of July Survival Guide](https://fnphenomenal.com/free-download-the-fnphenomenal-4th-of-july-survival-guide/) - Happy 4th of July! Download your survival guide to managing the Summertime BBQ! I know that it is a summer time holiday weekend, the grills will to be fired up, and you are probably playing the summer classic “Summertime” by Will Smith and DJ Jazzy Jeff all to celebrate America’s freedom. However, please be careful - [Women, Work and Community: You Don't Have To Act Like A Man To Be Successful](https://fnphenomenal.com/women-work-and-community-you-dont-have-to-act-like-a-man-to-be-successful/) - Women are so POWERFUL, and so often we don't understand our own power. Sometimes we don't understand the rules of the game and think that we have to conform to a man's way of getting things done. bSMART founder, Meagan Hooper, noticed a void. She realized that women need a different type of support and energy, - [How Periodically Checking Your Reoccurring Payment Plans Can Save You Money](https://fnphenomenal.com/how-periodically-checking-your-reoccurring-payment-plans-can-save-you-money/) - Recently I went to my cell phone carrier because I was having issues with my phone. I went to the store to explore options to either fix my phone or get a new one. Right before I left, the associate asked me if I wanted to explore whether my plan fits my needs. Of course - [5 Ways to Combat Instant Gratification](https://fnphenomenal.com/5-ways-to-combat-instant-gratification/) - Picture this… You’re walking through the store, and you see the perfect sweater. Immediately, your mouth starts to water a little, and you get that impulsive, “I gotta have it NOW” feeling. Think about how hard it is to walk away from a situation like that. The difficulty in walking away is even harder if - [How Do the Rich Stay Rich?](https://fnphenomenal.com/how-do-the-rich-stay-rich-2/) - “My family has money and we still shop secondhand. How do you think the rich stay rich? Did you know Mary Kay clipped coupons?” One day, I was on a plane to San Diego and, I was speaking to the guy next to me about investing in yourself and the conversation expanded to the difference - [Why You Can’t Reach Your Goals on Talent Alone](https://fnphenomenal.com/why-you-cant-reach-your-goals-on-talent-alone/) - Learn how to compliment your talent with action. - [How to Save Money by Packing Light](https://fnphenomenal.com/how-to-save-money-by-packing-light/) - Learn how to pack light to avoid paying extra baggage fees - [The Hidden Dangers of Paying off Your Credit Card Debt](https://fnphenomenal.com/the-hidden-dangers-of-paying-off-your-credit-card-debt/) - You may read this title, and think, “What hidden dangers could be associated with paying down my credit card debt? Becoming debt free is a good thing, right?” That is a true statement. Becoming debt free is an awesome thing, but there is something that you need to be aware of: reoccurring payments. Many people - [Repair Don’t Replace: 5 Tips to Extend the Life of the Items in Your Closet](https://fnphenomenal.com/repair-dont-replace-5-tips-to-extend-the-life-of-the-items-in-your-closet/) - How many times did an item break and you just threw it away or placed it in the back of your closet so you can pull it out occasionally and admire it as if it were an item in a museum? Look, we’ve all be there. Either a clothing item ripped, a heel broke or - [Learning How to Make Value Based Decisions](https://fnphenomenal.com/learning-how-to-make-value-based-decisions/) - You may be surprised to hear me say this, but: you are allowed to spend money on things that make you happy. The key is to do it strategically, and by that I mean focus on spending money on the things that bring you the highest value. Let me give you a couple of examples. - [5 Myths about Skin Care [Guest Blog by Nada Elbuluk, MD]](https://fnphenomenal.com/5-myths-about-skin-care/) - Taking care of your skin doesn’t have to cost a fortune. Read about these skin care myths and learn about how you can have glowing skin while remaining frugal and phenomenal 1. Expensive skin products work better. With thousands of skin care products available on the market, choosing the right ones can be overwhelming, but - [Know Your Total Cost of Ownership](https://fnphenomenal.com/know-your-total-cost-of-ownership-2/) - Many times people hear the term “cost of ownership” and immediately think of a car. When people buy cars, they shouldn’t just know the sticker price, they should also understand the approximate cost of gas, repairs, oil and tire changes, residual value, etc. All of these items are components of owning a car. Understanding the - [An Open Letter to the FNPhenomenal Ones](https://fnphenomenal.com/an-open-letter-to-the-fnphenomenal-ones/) - As I sit here with my laptop at midnight and the day of the book launch is officially over, I wanted to take the time to reflect and share some candid thoughts with you. On Day 9 of the Virtual Book Launch Party, Myles W. Miller asked me what made me decide to write the - [The "FNPhenomenal" Book Launch Party](https://fnphenomenal.com/the-fnphenomenal-book-launch-party/) - The setting…the oh so chic, vintage retail shop Thrift on the Ave. (TOTA) in Detroit. The ambiance…warm, sleek, and inviting. The guests…stylish and ready to celebrate. The occasion…The “5+5 FNPhenomenal Ways to Save $100 This Week Without Killing Your Lifestyle” book launch party. [more...] I have to admit, I was too excited to get dressed, - [Sites to Help You Save Money on Everyday Things](https://fnphenomenal.com/sites-to-help-you-save-money-on-everyday-things/) - As the Modern Girl’s Guide to Saving Money, I’m all about showing you where and how to get the best deals, while not spending a lot of time looking for these deals. That’s why I created this helpful list of online savings sites and apps. This is the first half of a two part series. - [Sites to Help You Save Money on Everyday Things Part 2](https://fnphenomenal.com/sites-to-help-you-save-money-on-everyday-things-part-2/) - As the Modern Girl’s Guide to Saving Money, I’m all about showing you where and how to get the best deals, while not spending a lot of time looking for these deals. This is the Part Two of a two-part series. Part One of this series focused on saving money on everyday deals. Part Two - [5 Lessons Learned from the Get Radical Conference](https://fnphenomenal.com/5-lessons-learned-from-the-get-radical-conference/) - A week ago I had the pleasure of attending the Get Radical Conference. Doreen Rainey of the Get Radical Institute hosted this conference. The theme of the conference was “The Heart of a Champion.” Laila Ali, Jean Chatzky, Teneshia J. Warner, and Lori Greiner were keynote speakers at the event. [more...] My experience there was - [8 for 30 Style Challenge](https://fnphenomenal.com/8-for-30-style-challenge/) - Imagine this… You are told that you can only keep 8 articles of clothing in your closet. You can’t take anything else, but you can mix and match your outfits with endless shoes and accessories. Can you do it? Are you up for the challenge? Well, that’s what my blogger girls and I decided to - [FNPhenomenal on Girls of Royalty TV](https://fnphenomenal.com/fnphenomenal-on-girls-of-royalty-tv/) - On Tuesday, April 1st I had the pleasure of chatting with Girls of Royalty Founder, Genesis Dorsey, on Google Hangout to kick off their month-long event Faith N' Finance. We talked about faith, self-worth, confidence, and personal finance. The response from the viewers was amazing! I shared my story and knowledge about a variety of - [5 Ways to Use Your Tax Refund Check](https://fnphenomenal.com/5-ways-to-use-your-tax-refund-check/) - Tax day, April 15th is here and according to bankrate.com, 54% of people in America will get a tax refund. Today, I’m going to discuss 5 different ways to use your tax refund. Before you get your tax refund check, I suggest that that you think about how you will allocate your refund. I’m expecting - [Is Your Social Life Killing Your Budget?](https://fnphenomenal.com/is-your-social-life-killing-your-budget/) - Hey FNPhenomenal Ones!! I met Kara Stevens, Founder of The Frugal Feminista, at the Get Radical Conference back in March and I absolutely adore her! She was so warm and kind, and need I mention FNPhenomenal! Once we started talking we realized that we have sooo much in common in terms of values, dreams, vision, - [3 Great Budget Beauty Tips](https://fnphenomenal.com/3-great-budget-beauty-tips/) - There is something to be said for a woman who is comfortable in her skin, but there is also something about a woman unafraid of a little makeup. A new lipstick shade or eye shadow can take your confidence to another level. If you follow any of the beauty blogs or frequent social media sites, - [Why It Is So Important to Invest In Yourself](https://fnphenomenal.com/why-it-is-so-important-to-invest-in-yourself/) - Many finance professionals tell you what not to spend money on in order to achieve financial freedom, but I want to dedicate this piece to discussing what you can spend. Oftentimes, people neglect the importance of personal development and personal investment. When I say personal development and investment, I mean investing in things that make you grow - [Why DIY is a Great Money Saving Strategy](https://fnphenomenal.com/why-diy-is-a-great-money-saving-strategy/) - Have you ever had something that you absolutely loved, but you wondered if you could continue to afford it? Well, I recently felt this way. Lately, I have been obsessed with a vegan chocolate milkshake from a local Detroit restaurant. My obsession was bringing me into the restaurant about one to two times per week, - [Why The Best Goals Are SMART Goals](https://fnphenomenal.com/why-the-best-goals-are-smart-goals/) - One of the primary reasons people don’t stick to goals is that the goals are not appropriate or realistic. Often, when we decide to do something, we set lofty goals without defining specific milestones and eventually we give up because we get discouraged with our lack of progress towards the end result. We may not - [Why The Best Goals Are SMART Goals](https://fnphenomenal.com/why-the-best-goals-are-smart-goals-2/) - One of the primary reasons people don’t stick to goals is that the goals are not appropriate or realistic. Often, when we decide to do something, we set lofty goals without defining specific milestones and eventually we give up because we get discouraged with our lack of progress towards the end result. We may not - [Turning Your Obstacles into Opportunities of a Lifetime](https://fnphenomenal.com/turning-your-obstacles-into-opportunities-of-a-lifetime/) - I'm participating in the Whose Shoes Are You Wearing Book Tour! I'm so honored to be a part of this wonderful movement. To learn more about the book and the authors, Christine St. Vil and Julian Kiganda, click here. To watch my interview with Julian as she discusses the Whose Shoes book and avoiding the - [Investing In Yourself Part 2](https://fnphenomenal.com/investing-in-yourself-part-2/) - Last week I wrote about the importance of investing in yourself. This week I’m writing about taking action on the topic and decided to write about my experience at the Speak and Write to Make Millions conference offered by Lisa Nichols. [more...] My journey began on the flight to the conference. I sat next - [Investing in Yourself](https://fnphenomenal.com/investing-in-yourself/) - Many finance professionals tell you what not to spend money on in order to achieve financial freedom, but I want to dedicate this piece to discussing what you can spend. Oftentimes, people neglect the importance of personal development and personal investment. When I say personal development and investment, I mean investing in things that make - [How Do the Rich Stay Rich???](https://fnphenomenal.com/how-do-the-rich-stay-rich/) - "My family has money and we still shop secondhand. How do you think the rich stay rich? Did you know Mary Kay clipped coupons?" On the plane to San Diego a couple of weeks ago, I was speaking to the guy next to me about investing in yourself and the conversation expanded to the - [Making Small Steps](https://fnphenomenal.com/making-small-steps/) - Financial freedom doesn't have to be a sacrifice. “Smart swaps” allow you to make changes with minimal impact to your life. For example, I truly enjoy going to Starbucks. Initially, my drink of choice was a white chocolate mocha. After purchasing this drink for a period of time, I began to evaluate its value. Specifically, - [How to Make Taking Lunch to Work a Social Experience & Save for the Fun Stuff](https://fnphenomenal.com/how-to-make-taking-lunch-to-work-a-social-experience-save-for-the-fun-stuff/) - Two weeks ago, we saw Nina contemplating how to save money. As she started to examine her spending, she realized that she was spending a ton of money on lunches. In fact, according to Accounting Principals, the annual cost of purchased lunches is $2,000[1]. That is enough money to go on a 5 day/4 night vacation - [When Discount Shopping Goes Wrong....And How to Prevent It!!!](https://fnphenomenal.com/when-discount-shopping-goes-wrong-and-how-to-prevent-it/) - Nina decided to shopping at the Bullseye one day with her friend Lauren. Lauren is also 27 years old, and just like Nina has a great corporate job. Lauren is also the type of person who loves everything on everyone, which means that she is the worst person to go shopping with because she will - [Avoiding the Sales Trap](https://fnphenomenal.com/avoiding-the-sales-trap/) - Nina looked at her email, and saw that her favorite shoe store sent her an email saying, “save 40% off this weekend only!” Nina immediately started to think about how many new shoes that she “needed”. She thought, “OMG that’s almost 2 for the price of 1. I need to go there, because I need - [Your Talent Is Just Not Enough](https://fnphenomenal.com/your-talent-is-just-not-enough/) - "You can never be the best unless you believe you are the best and work towards it." I heard that nugget on a morning sports talk radio show while I was on the super shuttle and it made me think about what this means to you, the FNPhenomenal ones. Talent isn't enough. Oftentimes we - [A New, Instant Way To Shop? 5 Ways to Beat It!](https://fnphenomenal.com/a-new-instant-way-to-shop-5-ways-to-beat-it/) - Picture this… You’re walking through the store, and you see the perfect sweater. Immediately, your mouth starts to water a little, and you get that impulsive, “I gotta have it NOW” feeling. Think about how hard it is to walk away from a situation like that. The difficulty in walking away is even harder if - [Show Me The Money! – The Etiquette in Finances](https://fnphenomenal.com/show-me-the-money-the-etiquette-in-finances/) - It’s that time again, and you’re trying to find the perfect gift for everyone on your list. However, be careful not to overspend during the holiday season. Manage your spending by conducting a strategy session before you start shopping. This session should address the following: Read More - [Learning to Be Ok with Taking Some Me Time](https://fnphenomenal.com/learning-to-be-ok-with-taking-some-me-time/) - Being the overachiever that Nina is, it’s hard for her to understand that it is perfectly normal, in fact recommended to schedule in some “me time”. She recently went through a patch where all she did was work long hours, attend a few events, volunteered, ran errands, and helped out her family. At the end - [[Guest Post: Krystal Langford] Thrifting 101 for Fashionistas](https://fnphenomenal.com/guest-post-krystal-langford-thrifting-101-for-fashionistas/) - Every since the whole Macklemore ‘Thrift Store’ song hit the airwaves, it seems that folks are flocking to thrift stores in droves. I mean, it used to be like a secret society where only certain people knew the code to getting great fashions for the low. Now, second-hand stores are just as, if not more, - [Developing a Year Round Attitude of Gratitude](https://fnphenomenal.com/developing-a-year-round-attitude-of-gratitude/) - Nina and her best friend Jordan went to dinner one day. While at dinner, Nina updated Jordan on her savings progress and how her lunch journey was going. She wanted to take her lunch four times per week, but she was only consistently doing three. Nina repeatedly said, “I’m not doing enough. I’m not saving - [Don’t Boil the Ocean [Aisha feature on the BOSS Network]](https://fnphenomenal.com/dont-boil-the-ocean-boss-network-guest-blog/) - Many times we are such overachievers. We are used to getting good grades in school, being at the top of our class, or being the go to person at work. Therefore, it is only natural for us to try to be everything to everyone and get everything done. We often find ourselves in a position where it is - [Beware of the Cell Phone Upgrade Trap](https://fnphenomenal.com/beware-of-the-upgrade-trap/) - Recently I looked down at my iPhone 4 smiling, as I thought about the marketing genius in convincing people to purchase a new phone every year. Many people around the world upgrade their phones every 1-2 years. Each upgrade costs anywhere between $200-$300 to have the latest and greatest model. [more...] Currently, I am not - [The Price of Being Lazy](https://fnphenomenal.com/the-price-of-being-lazy/) - Yea…I know I shouldn’t say it, but sometimes I get lazy. On Wednesday, I removed my frozen chicken from the freezer, found a recipe in my cookbook that I wanted to explore, but then nothing. A few hours later I put the thawed chicken in my fridge and decided that I would cook tomorrow. You - [The Cost of Food Waste: How it Can Wreck Your Budget](https://fnphenomenal.com/the-cost-of-food-waste-how-it-can-wreck-your-budget/) - Jordan opened up her fridge and just stared at the food in her fridge that had gone bad. There were sweet potatoes with mold and spinach that had turned into liquid. She was disgusted. When she went to the grocery store, she had a grand vision of cooking all of the time. Plus the grocery - [FNPhenomenal Founder Featured by Duke University](https://fnphenomenal.com/fnphenomenal-founder-featured-by-duke-service-learning-program/) - Dear FNPhenomenal Ones, Check out this piece here to read about my journey and how one college experience helped change the course of my life and inspire me to create FNPhenomenal. Follow your dreams. Get involved. Change the world. I would love to here from you! Aisha P.S. In case you missed the link, here - [Getting Started](https://fnphenomenal.com/getting-started/) - The Jan. 2 edition of USA Today contained a comparison of the two most common New Year resolutions : (1) Exercise/Diet More and (2) Manage Money Better. The graph compared the number of people making this resolution in 2009 vs. 2012. In 2012, 44 percent of people committed to exercising and dieting more vs. 40 - [Nine Daily Habits That Will Make You Happier](https://fnphenomenal.com/nine-daily-habits/) - I recently re-read one of my favorite articles and wanted to share the message found within it. The article is called "9 Daily Habits That Will Make You Happier" written by Geoffrey James for Inc. Magazine. I will list all nine daily habits at the end of the article but I want to discuss the - [Setting SMART Goals](https://fnphenomenal.com/setting-smart-goals/) - One of the primary reasons people don't stick to goals is that the goals are not appropriate or realistic. Often, when we decide to do something we set lofty goals without defining specific milestones and eventually we give up because we get discouraged with our lack of progress towards the end result. We may not - [The Paralyzing Nature of Fear](https://fnphenomenal.com/the-paralyzing-nature-of-fear/) - I have found that when it is important for me to focus on a topic, I can't seem to avoid it coming up in my daily life. There are two topics that keep coming up recently: (1) a different outcome only occurs through different actions, and (2) fear. Recently, my pastor talked about the power - [Managing the Semi-Annual Payment](https://fnphenomenal.com/managing-the-semi-annual-payment/) - If you are going to embark on the journey towards financial freedom, you must learn to plan. Planning encompasses more than just understanding your recurrent monthly expenses. You must understand all of your expenses whether they are fixed, variable, monthly, annual, etc. During budget setting, it’s easy to forget the annual, semi-annual expenses, and non-monthly - [Think Longer Term](https://fnphenomenal.com/think-longer-term/) - Recently I listened to the audiobook "Top 10 Distinctions Between Millionaires and the Middle Class". It was eye opening! Most of the concepts are straight forward, yet many of us never practice them in our daily lives. Essentially we need a mentality makeover. [more...] One thing that we need to evaluate is our planning - [Why Your Credit Score Is More Important Than You Think + How To Improve It](https://fnphenomenal.com/why-your-credit-score-is-more-important-than-you-think-how-to-improve-it/) - Your credit can significantly impact your life. However, there are things you can start to do now to improve your credit. We will discuss 6 ways in this post. - [Why The Small Things Matter + How to Handle Them](https://fnphenomenal.com/why-the-small-things-matter-how-to-handle-them/) - The small things matter. When these things aren’t done constantly in the right way then they can cause conflict and chaos in our lives. Learn how to manage them. - [How to Develop a Rich Life Through the Power of Giving](https://fnphenomenal.com/how-to-develop-a-rich-life-through-the-power-of-giving/) - The Bible commands us to give, and it is truly amazing to give. I truly believe that engaging in service is critical to living a full and complete life. - [How to Teach Your Children To Love God And Walk With Integrity](https://fnphenomenal.com/how-to-teach-your-children-to-love-god-and-walk-with-integrity/) - Children are exposed to more much earlier. We need to focus on raising our children in a way that is healthy, Christ-centered, and aligned with the word of God. - [How to Live In Babylon and Not Lose Your Way](https://fnphenomenal.com/how-to-live-in-babylon-and-not-lose-your-way/) - Do you have a friend that you call who will agree with everything you say? We need to know the truth so we can live our lives according to the Bible and Christ. - [Do You Need An Emergency Credit Card?](https://fnphenomenal.com/do-you-need-an-emergency-credit-card/) - The Hurricane Harvey and Irma coverage made me wonder how people could afford to evacuate. This is why it is important to have an emergency credit card. - [What My Twins Taught Me About Being Attentive](https://fnphenomenal.com/what-my-twins-taught-me-about-being-attentive/) - As a mom have you ever struggled to find enough time during the day to do the things that you need to do for yourself and your children? It’s hard to strike the balance between working and being a mom. - [4 Biblical Principles for Getting Out of Debt](https://fnphenomenal.com/4-biblical-principles-for-getting-out-of-debt/) - I formed positive financial habits. Soon, I was able to pay off my debt and increase my credit score by using these four basic principles! You can do the same. - [10 Tips to Improve Lactation for Breastfeeding Moms](https://fnphenomenal.com/10-tips-to-improve-lactation-for-breastfeeding-moms/) - I’m currently doing a series to help breastfeeding moms on their journey. I will be writing another post to talk about the benefits of breastfeeding. I’ve been very vocal about my breastfeeding challenges, so I’m trying to share all of the knowledge that I gained from the research that I found. This helped me to get from breast milk being 20-30% of my twins’ diet to it becoming 100%. - [Can Rewards Credit Cards Help Me Save Money?](https://fnphenomenal.com/can-rewards-credit-cards-help-me-save-money/) - When used with discipline and caution, you can use a credit card to save money. A rewards credit cards can help you save more without increasing your spending. - [The Single Mom's Guide to Grocery Shopping in Ways that Save Money](https://fnphenomenal.com/the-single-moms-guide-to-grocery-shopping-in-ways-that-save-money/) - If you are struggling with how to reduce your grocery spending as a single mom, then check out these 8 tips to reduce your grocery bill. - [Why Comparing Yourself To Others Is Bad and How To Stop](https://fnphenomenal.com/why-comparing-yourself-to-others-is-bad-and-how-to-stop/) - Outside of expectations and perceptions, do we really know who we are? Learn how to stop comparing yourself to other people and learn who you are in Christ. - [How to Bounce Back After A Financial Mistake](https://fnphenomenal.com/how-to-bounce-back-after-a-financial-mistake/) - We all make mistakes and succumb to impulse purchases that cause us to overspend. If you make a mistake you can bounce back and thrive financially. Learn how. - [Why Jesus Christ Should Be The Man Of Your Household](https://fnphenomenal.com/why-jesus-christ-should-be-the-man-of-your-household/) - Father’s Day can be an emotional day for single moms. You don’t need to stay in this place. Shift your thinking to put Christ as the head of your household. - [Budget Auditing: Monthly Checkup on Your Financial Health (Includes a Worksheet + Tips for the Latest Budget Hacks)](https://fnphenomenal.com/budget-auditing-monthly-checkup-on-your-financial-health-includes-a-worksheet-tips-for-the-latest-budget-hacks/) - Budgets show you how to manage your money, but they periodically need to be evaluated. This post shares how you should audit your budget without the stress. - [Anything Can Happen: How to Make Sure That You're Ready for Tragedy Financially](https://fnphenomenal.com/anything-can-happen-how-to-make-sure-that-youre-ready-for-tragedy-financially/) - What are some sample backup plans that people can create for if they encounter financial difficulty? Learn how to get prepared and respond to financial setbacks - [God Loves Single Mothers Too: An Open Letter to Single Moms on Mother's Day](https://fnphenomenal.com/god-loves-single-mothers-too-an-open-letter-to-single-moms-on-mothers-day/) - Happy Mother's Day Single Moms! Don’t let anyone or anything make you feel bad about your journey as a single mom. Read this post for a word of encouragement. - [How to Change Your Outcomes By Changing Your Thoughts](https://fnphenomenal.com/how-to-change-your-outcomes-by-changing-your-thoughts/) - Everything starts in your mind. Our brains internalize the messages that we speak and hear on a daily basis, so eventually, the things that we speak will manifest itself in our lives as actions. - [Make It Rain In Your Spiritual Life: 5 Things That You Should Do To Deepen Your Relationship With God](https://fnphenomenal.com/make-it-rain-in-your-spiritual-life-5-things-that-you-should-do-to-deepen-your-relationship-with-god/) - We have all heard the scripture, “Trust in the Lord with all your heart, and do not lean not on your own understanding.” - Proverbs 3:5 (ESV). Learn 5 ways to get out of your own strength, draw near to God, and deepen your spiritual relationship with Him. - [How A Mini Health Scare Taught Me Why Self Care Is Linked To Financial Wellness](https://fnphenomenal.com/how-a-mini-health-scare-taught-me-why-self-care-is-linked-to-financial-wellness/) - Everything I was doing as a mom was coming at a cost of my own well-being. I wasn't eating or sleeping and I was quickly burning out. I had to prioritize self-care. - [What Single Mompreneurs Need to Do to Prepare for Tax Time](https://fnphenomenal.com/what-single-mompreneurs-need-to-do-to-prepare-for-taxes/) - Tax time can be super stressful if you aren’t prepared. Last year I learned the hard way. I had to file an extension for my taxes because my documentation was not organized. Then I spent about 30 hours trying to organize my documentation before I sent it to my tax preparer. - [Why Tax Time Is A Great Time For Single Moms To Catch Up On Their Financial Goals](https://fnphenomenal.com/why-tax-time-is-a-great-time-to-catch-up-on-your-financial-goals/) - If you are a single mom who expects to receive or has received a refund this year, then now is a great time to catch up on your financial goals and priorities. Learn how to create your strategy. - [3 Ways That You Are Wasting Money And What To Do Instead](https://fnphenomenal.com/3-ways-that-you-are-wasting-money-and-what-to-do-instead/) - Have you ever tried to make progress on your financial goals, but didn’t know where to start? Learn how to make small tweaks to your spending, and where to put the savings. - [Now is the Time: 3 Steps to Take Before Setting Your New Year’s Resolutions](https://fnphenomenal.com/now-is-the-time-3-steps-to-take-before-setting-your-new-years-resolutions/) - As we near the completion of 2016, it is time to start planning for 2017. This will help you to be positioned to accomplish your goals and make the impact that you desire. - [3 Ways to Save Money on A Wedding Gift and Stay On Budget](https://fnphenomenal.com/3-ways-to-save-money-on-a-wedding-gift-and-stay-on-budget/) - Wedding season is in full force, and if you are trying to be frugal because you don’t have the extra money to spend or you are trying to pay off debt, then this can be a scary time. - [Episode 016: Jump Before You are Ready to Live the Life That You Want](https://fnphenomenal.com/episode-016-jump-before-you-are-ready-to-live-the-life-that-you-want/) - This week I was joined by Gabrielle Jackson of the Millennial Solution, and she was dynamic. One of my favorite parts of the interview was when Gabrielle advised the listeners to jump before they are ready, because you will never feel totally ready. - [Episode 017: Give Yourself the Space and Time to Identify the Things That Truly Make You Happy](https://fnphenomenal.com/episode-017-give-yourself-the-space-and-time-to-identify-the-things-that-truly-make-you-happy/) - 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. - [5 Emotional Reasons for Spending and How to Overcome It](https://fnphenomenal.com/5-emotional-reasons-for-spending-and-how-to-overcome-it/) - 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. - [5 Steps to a Better Financial Future](https://fnphenomenal.com/5-steps-to-a-better-financial-future/) - Did you set goals in January to help guide you throughout this year? If so, how did you do? There is still time to start over and take some critical steps towards achieving a better financial future. - [There Are No Excuses](https://fnphenomenal.com/there-are-no-excuses/) - "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. - [How to Respond to the Dreaded Weakness Interview Question](https://fnphenomenal.com/how-to-respond-to-the-dreaded-weakness-interview-question/) - As we approach the New Year it is time to reflect on what went well and what needs to be improved. According to a study conducted by Fidelity Investments, 37% of Americans polled are considering making a New Year’s Resolution related to their finances. If you are in this category, there are two things that you need to do to free up cash to move towards your financial goals: earn more money and spend less money. - [Christmas is More Than the Gifts Under the Tree](https://fnphenomenal.com/christmas-is-more-than-the-gifts-under-the-tree/) - 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. - [How to Get Focused and Set Goals that Stick](https://fnphenomenal.com/how-to-get-focused-and-set-goals-that-stick/) - Only 8% of people who make New Year’s resolutions are successful in achieving those goals. In order to position yourself effectively to achieve your goals, you need to practice effective goal setting. Learn 5 ways to set effective goals. - [Why I Decided to Cloth Diaper My Twins](https://fnphenomenal.com/why-i-decided-to-cloth-diaper-my-twins/) - 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. - [Determining and Prioritizing What You Want in Life](https://fnphenomenal.com/determining-and-prioritizing-what-you-want-in-life/) - Life is about choices and prioritizing what you want. Everyday we make decisions about what we will do and what we wont do. Even when we decide to do nothing we are still making a decision. Therefore, it’s no surprise that our decisions and our actions not only impact our financial well being, it also influences our ability to pursue our dreams, and live life on our own terms. - [How to Adhere to Your Goals](https://fnphenomenal.com/how-to-adhere-to-your-goals/) - Setting goals and plans for your life is a great start, but in order to be successful, you must stick to them. That’s the hard part. Here is what I learned. - [5 Things to Consider to Minimize Your Cloth Diaper Investment](https://fnphenomenal.com/5-things-to-consider-to-minimize-your-cloth-diaper-investment/) - According to Vogue, the initial investment for cloth diapers is approximately $750 for 30 diapers. Given that the upfront cost is relatively high, it may be a barrier for those looking to use cloth diapers. In addition to the actual diapers, there are other items that you will need. Please clock here to read about some of the other products that you may need. - [FNPhenomenal Woman: Crystal Cole of Model Mom Inc.](https://fnphenomenal.com/fnphenomenal-woman-crystal-cole-of-model-mom-inc/) - I chose Crystal Cole because I love her message about empowering women, especially moms to be their best selves and be an awesome mom. Now that is FNPhenomenal! - [How to Extend the Life Of Cloth Diapers](https://fnphenomenal.com/how-to-extend-the-life-of-cloth-diapers/) - When you decide to cloth diaper you do need to be aware of the special precautions associated with cloth diapers. The key to being able to realize all of these benefits is to properly care for the diapers to avoid ruining them. - [7 Smart Ways For Single Moms to Use Their Tax Refund](https://fnphenomenal.com/7-smart-ways-for-single-moms-to-use-their-tax-refund/) - We are well into tax season and the last day to file taxes or request an extension is April 15th. If you receive a refund, think about how you will allocate your refund before receipt. It’s easier to decide and commit ahead of time instead of waiting until the money is begging to be spent - [9 reasons to accept yourself just as you are](https://fnphenomenal.com/9-reasons-to-accept-yourself-just-as-you-are/) - With social media there is so much pressure to live a life that isn’t yours. If you ever start doubting yourself based on what you see on social media or based on the expectations of others, I want you to keep in mind the below 9 reasons why you should accept yourself just as you are. - [10 Things I Wish I Understood as a First Time Mom](https://fnphenomenal.com/10-things-i-wish-i-understood-as-a-first-time-mom/) - It’s one thing to research and prepare to be a mom, but it’s another thing to actually be responsible for a new life. You still need to understand the real, unfiltered, unglamorous life of being a new mom. Therefore, I'm going to be doing a few series to give you the real, based on my experience as a new, single mom of twins. - [Letting Go of the Breastfeeding Guilt](https://fnphenomenal.com/letting-go-of-the-breastfeeding-guilt/) - This post gives you a bit more of the raw emotion and fear that I felt when I first started to share some of the difficulties that I encountered as a new mom. - [You Are Exactly Where You Need to Be In Life](https://fnphenomenal.com/you-are-exactly-where-you-need-to-be-in-life/) - 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. - [FNPhenomenal Mom Spotlight: Charity Marcus](https://fnphenomenal.com/fnphenomenal-mom-spotlight-charity-marcus/) - FNPhenomenal Mom is a series that highlights Single Moms who are amazing moms and are also rocking it out in their careers, entrepreneurship or the community. - [How to Pump In Public Without Feeling Weird](https://fnphenomenal.com/how-to-pump-in-public-without-feeling-weird/) - If you are a breastfeeding mom and you have either had to go back to work, had to travel, or leave the house without your child then you know the challenges of pumping and maintaining your supply. There aren’t always lactation rooms available and when you pump, you HAVE to pump! - [FNPhenomenal Mom Spotlight: Contessa Louise](https://fnphenomenal.com/fnphenomenal-mom-spotlight-contessa-louise/) - 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. - [Why Single Moms Need A Solid Estate Plan](https://fnphenomenal.com/why-single-moms-need-a-solid-estate-plan/) - Estate planning isn’t just for the wealthy. Even if you think that you don’t have much in assets or insurance, an estate plan is critical if you have minor children. - [5 Ways Start-Up Entrepreneurs Can Save Effectively and Proactively](https://fnphenomenal.com/5-ways-start-up-entrepreneurs-can-save-effectively-and-proactively/) - Here are five ways start-up entrepreneurs can save despite having irregular income during lean times. - [5 Things That Every Breastfeeding and Pumping Mom Needs to Successfully Breastfeed](https://fnphenomenal.com/5-things-that-every-breastfeeding-and-pumping-mom-needs-to-successfully-breastfeed/) - When breastfeeding you have to set yourself up for success. This means ensuring that you have the right items to increase the likelihood of success. - [FNPhenomenal Mom Spotlight: Jennifer Pink](https://fnphenomenal.com/fnphenomenal-mom-spotlight-jennifer-pink/) - 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. - [FNPhenomenal Mom Spotlight: Najah Freeman](https://fnphenomenal.com/fnphenomenal-mom-spotlight-najah-freeman/) - 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. - [How Single Moms Can Save Effectively](https://fnphenomenal.com/how-single-moms-can-save-effectively/) - Saving for single moms can be difficult when you have one income that has to cover the household bills, children’s extras, and everyday life. It seems like it is hard enough to find money left over for yourself, let alone saving. However saving is extremely important even if you have a limited available income. Saving - [FNPhenomenal Mom Spotlight: Tiffany Beckford](https://fnphenomenal.com/fnphenomenal-mom-spotlight-tiffany-beckford/) - 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. - [20 Things You Are Wasting Money On](https://fnphenomenal.com/20-things-you-are-wasting-money-on/) - Imagine being able to save money without impacting your lifestyle by getting control over the items that you waste money on. - [You Are Not The Father: An Open Letter to Single Moms on Father’s Day](https://fnphenomenal.com/you-are-not-the-father-an-open-letter-to-single-moms-on-fathers-day/) - Over the past few years, I have seen an increasing number of messages and even cards that celebrate single moms on Father’s Day. Although I understand why single moms feel this way, I also think that we need to respect the integrity of Father’s Day. - [How Understanding Your Role as Mom Will Save You Money and Stress](https://fnphenomenal.com/how-understanding-your-role-as-mom-will-save-you-money-and-stress/) - If you try to overcompensate for an absent parent, then you will get worn out and financially drained. Learn how to combat single mom guilt and keep more money. - [FNPhenomenal Mom Spotlight: Patrice Tartt](https://fnphenomenal.com/fnphenomenal-mom-spotlight-patrice-tartt/) - 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. - [Get Your Personal Finances Right: The Financial Steps You Need to Know Before Starting Your Business](https://fnphenomenal.com/get-your-personal-finances-right-the-financial-steps-you-need-to-know-before-starting-your-business/) - 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. - [5 Credit Card Mistakes to Avoid and How to Overcome Them](https://fnphenomenal.com/5-credit-card-mistakes-to-avoid-and-how-to-overcome-them/) - It is best to be aware of some of the most common credit card mistakes so you can develop a strategy to avoid the credit card debt trap. Here are some common credit card mistakes that Millennials make and strategies to avoid them. - [How recovering from being a Starbucks snob saved me money](https://fnphenomenal.com/how-recovering-from-being-a-starbucks-snob-saved-me-money/) - Don’t get me wrong I LOVE a good cup of Starbucks coffee and a delicious Starbucks pastry. However, once I had twins, I had to rethink my spending habits. I had to reevaluate everything, even my precious Starbucks. - [FNPhenomenal Mom Spotlight: Alana Flowers](https://fnphenomenal.com/fnphenomenal-mom-alana-flowers/) - Quit losing sleep over things (people) you can’t control and only do what is in your power to do. If they come around, so be it. If they don’t, so be it. - [Beginning Social Media Marketing for The Busy Mompreneur](https://fnphenomenal.com/beginning-social-media-marketing-for-the-busy-mompreneur/) - Don’t even try to wing it. You need a social media marketing strategy. Learn what social media tools will help you improve your presence and save time. - [For Black Women, Challenges Persist for Equal Pay](https://fnphenomenal.com/for-black-women-challenges-persist-for-equal-pay/) - The equal pay calculation means that a woman must have worked all of one year and eight months to be paid what men were paid in one year alone. This underscores the fact that professional challenges still exist for African American Women today. - [7 Ways Moms Can Find More Balance](https://fnphenomenal.com/7-ways-moms-can-find-more-balance/) - It’s hard to find me-time without being forced to due to exhaustion. I’m learning that I can do a few small things that will have a large impact to help me find time for me. - [Free Event: You Should Attend the Rainbow Push Coalition Money Matters Event](https://fnphenomenal.com/free-event-you-should-attend-the-rainbow-push-coalition-money-matters-event/) - Once you think about what you would do, I want you to imagine what your life would be like. What emotions would you feel? How would your children feel? Picture yourself and your family smiling and covered with the joy of your family’s ideal life. Now, I want you to open your eyes. Can you realistically get there given your current circumstances? - [Rainbow Push Money Matters Event Recap + Key Knowledge Nuggets](https://fnphenomenal.com/rainbow-push-money-matters-event-recap-key-knowledge-nuggets/) - I had the pleasure of attending the Rainbow Push Money Matters event in Detroit, MI. This event was phenomenal, and I obtained so many words of wisdom from this event - [How To Survive A Day Out With Your Baby](https://fnphenomenal.com/how-to-survive-a-day-out-with-your-baby/) - As a new parent, it can be overwhelming to go out with the baby. However, there are a few things that you can do to make life a little easier when traveling with the baby. - [Event Recap: Securing Mi Financial Future](https://fnphenomenal.com/event-recap-securing-mi-financial-future/) - I had the pleasure of speaking at the Securing Mi Financial Future about creating a vision for your life, conquering debt, increasing your savings, and building a legacy for your future. - [An Open Letter to Breastfeeding Moms](https://fnphenomenal.com/an-open-letter-to-breastfeeding-moms/) - I wrote this post about a month ago when I was engaging in quiet reflection and I was trying to process my first year of motherhood. I decided to share this with you because I'm hoping that it can provide a source of encouragement for a new or pregnant mom. I hope that you enjoy. - [Is Your Single Mom Guilt Affecting Your Kids? Your Money? Your Life?](https://fnphenomenal.com/is-your-single-mom-guilt-affecting-your-kids-your-money-your-life/) - Sometimes the thought of being a single mom, especially an unexpected single mom, is enough to shut down emotionally. Learn how to reduce single mom guilt. - [Why You Need to Be a Money Role Model For Your Children](https://fnphenomenal.com/why-you-need-to-be-a-money-role-model-for-your-children/) - Our children depend on us to meet their needs. They also study and mimic us so be careful to model the behavior, attitudes, and practice you want to see. ## Pages - [Press](https://fnphenomenal.com/press/) - As Seen In: Press: ESSENCE: 6 Ways To Better Credit (Even If You Don’t Make A Lot Of Money) Break the Cycle: 5 Tips to Debt-Free Living Essence, Prudential Present Empower U Financial E-Learning Courses Black Enterprise: Instagram Stars: 5 New School Women Empowering You Toward Building Wealth Detroit Free Press: Quick, check out - [Connect With Aisha](https://fnphenomenal.com/connect-with-aisha/) - Hello! Thanks so much for stopping by! It was so great to meet you. Here is how we can stay in touch. About Aisha Aisha Taylor is an author, speaker, trainer, and consultant who equips single women facing an unplanned pregnancy to navigate life, motherhood, and finances phenomenally as a single mom. Her inspiration comes - [Online Courses](https://fnphenomenal.com/online-courses/) - How to Budget, Save, Invest, and Make More Money In 4-Weeks Online Course Are you ready to transform your finances? Are you ready to have a good night’s rest knowing your finances are secure? In the How to Budget, Save, Invest, and Make More Money in 4-Week Course, you will learn how to manage and - [About](https://fnphenomenal.com/about/) - About Aisha “You just have to get back up and keep going.” This is what I had to keep telling myself when I found out that I was pregnant and that I would be a single mom. I had just quit my job and had started out as a full-time entrepreneur when life happened. “This type of - [Start Here](https://fnphenomenal.com/start-here-2/) - The FNPhenomenal Movement is designed to support single moms who desire a life of financial freedom and total abundance. In order to accomplish this, we focus on three pillars of support: Faith, Finance, and Phenomenal Living. Specifically, we teach our moms the following: How to strengthen and develop their faith and spiritual being. How - [Color Me World Digi Summit ONLY Exclusive](https://fnphenomenal.com/color-me-world-digi-summit-only-exclusive/) - Thank you for joining me at the Color Me World Digi Summit. It was so exciting to virtually meet you! As I mentioned in the Virtual Vending Booth, you are able to get a Summit Only exclusive promotion. For the next 48-hours, you can purchase a signed copy of the #1 Amazon Best Selling Book, - [Congratulations!](https://fnphenomenal.com/congratulations/) - Thank you for purchasing the 25-Day Devotional! Your transaction has been completed, and a receipt for your purchase has been emailed to you. Please log in to your PayPal account to view transaction details! ARE YOU A SINGLE MOM WHO FEELS STUCK, OVERWORKED, OVERWHELMED, AND EXHAUSTED? If this is you, then I invite you to - [Listen](https://fnphenomenal.com/listen/) - Listen To The Show Now Available on: iTunes, Google Play, and Stitcher - [Get Your Copy of 5+5 FNPhenomenal Ways To Save $100 This Week Without Killing Your Lifestyle](https://fnphenomenal.com/get-your-copy-of-55-fnphenomenal-ways-to-save-100-this-week-without-killing-your-lifestyle/) - Are you struggling with financial management? Are you worried that transforming your finances means deprivation? Are you wanting to live life and have solid finances? If you answered "yes" to any of these questions then know that you are in the right place! About 5+5 FNPhenomenal Ways to Save $100 Without Killing Your Lifestyle Nina, - [Webinar Only Exclusive: 5+5 FNPhenomenal Ways To Save $100 This Week Without Killing Your Lifestyle](https://fnphenomenal.com/webinar-only-exclusive-55-fnphenomenal-ways-to-save-100-this-week-without-killing-your-lifestyle/) - Thank you for joining me in the Color Me World webinar, How to Budget, Save, Invest, and Make More Money in the next 30-Days. It was so exciting to be with you in the webinar! As I mentioned in the webinar, you are able to get a webinar exclusive promotion. For the next 48-hours, you - [You Are Confirmed!!!](https://fnphenomenal.com/you-are-confirmed/) - Hey Phenomenal Mom! Thank you so much for registering for the Lifestyle Mompreneur virtual coffee chat that will take place today, February 25th, at 9pm EST! You will receive the Zoom link a couple of hours before the live starts! "See" You Soon! Aisha - [Cool! You're still on the list.](https://fnphenomenal.com/cool-youre-still-on-the-list/) - Thanks! You are still on the list! My goal is to help you to live phenomenally. One amazing resource to help you do that is the Phenomenal Moms Podcast. Therefore, make sure you check out the podcast and subscribe! Listen To The Show Now Available on: iTunes, Google Play, and Stitcher - [Contact](https://fnphenomenal.com/contact/) - Thank you so much for visiting. Please use the below form to contact me or you can as email me at hello@fnphenomenal.com. I respond to all reasonable emails within 48 hours. If you are interested in inquiring about a speaking engagement, guest writing opportunity, interview, or collaboration, please use the form below to include the - [Testimonials](https://fnphenomenal.com/testimonials/) - Aisha was amazing! She made saving seem attainable and goal setting realistic. I left her presence feeling encouraged & empowered! ~ A. 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How - [Here is Your Download of the Savings Worksheet](https://fnphenomenal.com/here-is-your-download-of-the-savings-worksheet/) - Here is your free download of the FNPhenomenal Savings Worksheet: Connect with a supportive group of other millennial, savvy single moms in the Phenomenal Moms Facebook Group. Click HERE to join! - [Shop](https://fnphenomenal.com/shop-2/) - 5 + 5 FNPhenomenal Ways to Save $100 This Week Without Killing Your Lifestyle - [Grocery Store Challenge Documents](https://fnphenomenal.com/grocery-store-challenge-documents/) - [What is FNPhenomenal?](https://fnphenomenal.com/about/what-is-fnphenomenal/) - FNPhenomenal stands for Frugal –n- Phenomenal, but it’s not the frugal in the traditional sense of clipping coupons, not having fun, and chasing sales. Yes, being a good steward of your money is extremely important; because if you can’t manage what you have then how can the Lord trust you with more? 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Click HERE to join! - [Here is Your Download of the FNPhenomenal Budget](https://fnphenomenal.com/here-is-your-download-of-the-fnphenomenal-budget/) - Here is your free download of the FNPhenomenal Budget Template: Connect with a supportive group of single moms who are committed to Faith, Fun, and Phenomenal Living by joining the Phenomenal Moms Facebook Group. Click HERE to join! - [About FNPhenomenal](https://fnphenomenal.com/about-fnp/) - About Aisha “You just have to get back up and keep going.” This is what I had to keep telling myself when I found out that I was pregnant and that I would be a single mom. I had just quit my job and had started out as a full-time entrepreneur when life happened. “This - [DOWNLOAD YOUR FREE BUDGET TEMPLATE](https://fnphenomenal.com/download-your-free-budget-template/) - DOWNLOAD YOUR FREE BUDGET TEMPLATE Managing your finances and creating a financial blueprint for your life isn’t about practicing deprivation, it’s about getting strategic so you can create the life of your dreams. I learned this the hard way. Despite my professional job, I still lived paycheck-to-paycheck. On the outside looking it, it appeared that - [Write For FNPhenomenal](https://fnphenomenal.com/contact-fnp/write-for-fnphenomenal/) - Have a love for personal finance and an overall FNPhenomenal lifestyle? Consider writing for us, and showing other single moms how to be Frugal and Phenomenal! If you’re interested in submitting your article(s) for consideration, please read the rest of this page. Article Submission Guidelines Topic should be related to the below. 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In this podcast she shares how she overcame divorce and getting laid off during her divorce to growing an international company. - [Show Your Money Who Is the Boss](https://fnphenomenal.com/show-your-money-who-is-the-boss/) - Show Your Money Who is the Boss August 27th at 7pm EST In the beginning of the year, we vowed to do something different and to not repeat the mistakes of the prior years, but now we are over half way through the year, and many of the New Year's Resolutions that were created in - [Live Phenomenal Podcast](https://fnphenomenal.com/live-phenomenal-podcast/) - [Thank You For Attending](https://fnphenomenal.com/thank-you-for-attending/) - Congrats on joining our community! It was so great to meet you!! Check Out this FNPhenomenal Thank You Just For Joining Us! This tool kit will get you jumpstarted on your journey to increased savings, debt elimination, and financial freedom so you can live the life that you deserve. Item 1: 5+5 FNPhenomenal Ways to - [Self-Study Programs](https://fnphenomenal.com/self-study-programs/) - Live Phenomenal Program The Live Phenomenal program was created so that you will finally have the tools that you need to totally transform your finances, and stop living from paycheck-to-paycheck. It’s time for you to be Financially Phenomenal! For just $8/week (the price of a lunch at Panera) you can go from fear and anxiety - [Individual Financial Consulting](https://fnphenomenal.com/individual-financial-consulting/) - ONE ON ONE FINANCIAL CONSULTING* Looking to get your spending under control, credit cards paid off, and savings account increased? You don't have to worry anymore or do it alone. Aisha is available for individual financial consulting, and she will not only give you the tools that you need to succeed the confidence that you - [Corporate Workshops](https://fnphenomenal.com/corporate-workshops/) - Corporate workshops and events Did you know that? 10-15% of the workforce is impacted by some type of financial problems Employee financial concerns and related stress are expected to cost employers over $150 billion per year Imagine if you can do if you had a engaged workforce because of less personal finance stress? Book Aisha - [Events](https://fnphenomenal.com/events/) - In-Home Live Phenomenal Parties* Interested in a girls night in with a twist? Well, grab your girls and grab some wine, and turn your normal Girls Night In Event into an FNPhenomenal Party! 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Introduction I will provide a quick introduction for you Tell the audience about yourself, what you do, and how - [Error](https://fnphenomenal.com/mm-error/) - [MM_Member_Decision isMember='true'] You are already logged in! Need to log out? You can do that here. [/MM_Member_Decision] [MM_Member_Decision isMember='false'] [MM_Form type='login'] [MM_Form_Message type='error'] Enter your username and password below Username [MM_Form_Field name='username'] Password [MM_Form_Field name='password'] [MM_Form_Button type='login' label='Login'] [MM_Form_Field name='rememberMe' label='Remember me'] Forgot Password [/MM_Form] [/MM_Member_Decision] An error has occurred: [MM_Error_Message] If you continue to - [Bonus Audio 1: What You Need To Do To Be Healthy and Have Beautiful Skin ](https://fnphenomenal.com/bonus-audio-1-what-you-need-to-do-to-be-healthy-and-have-beautiful-skin/) - [MM_Member_Decision isMember='true'] You are already logged in! Need to log out? You can do that here. 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For 30 days, you will track your meals using My Fitness Pal and also work out at least 2 times per week. For - [Mom in Chief Lounge](https://fnphenomenal.com/mom-in-chief-lounge/) - Thank you for viewing "5 Critical Steps to Escape the Paycheck-to-Paycheck Trap and Unlock Your Financial Breakthrough" at the Mom-in-Chief Lounge! We have a few special offers just for Mom-in-Chief community members: Free Gifts Claim your 5-Day FREE Audio Course Here - Reflection in Action: 5 Simple Steps to Save Money and Get Phenomenal. I - [Reflection in Action (Day 3)](https://fnphenomenal.com/ria-day3/) - Welcome to Day 3 of the 5-day audio series: Reflection in Action: 5 Simple Steps to Save Money and Get Phenomenal. This is an audio training that will help you to: identify your money mindset and identify 5 steps to achieve your financial breakthrough. This will help you to understand how to manage your money - [Reflection in Action (Day 5)](https://fnphenomenal.com/ria-day-5/) - Welcome to Day 5 of the 5-day audio series: Reflection in Action: 5 Simple Steps to Save Money and Get Phenomenal. This is an audio training that will help you to: identify your money mindset and identify 5 steps to achieve your financial breakthrough. This will help you to understand how to manage your money - [Reflection in Action (Day 4)](https://fnphenomenal.com/ria-day4/) - Welcome to Day 4 of the 5-day audio series: Reflection in Action: 5 Simple Steps to Save Money and Get Phenomenal. This is an audio training that will help you to: identify your money mindset and identify 5 steps to achieve your financial breakthrough. This will help you to understand how to manage your money - [Reflection in Action (Day 2)](https://fnphenomenal.com/ria-day2/) - Welcome to Day 2 of the 5-day audio series: Reflection in Action: 5 Simple Steps to Save Money and Get Phenomenal. This is an audio training that will help you to: identify your money mindset and identify 5 steps to achieve your financial breakthrough. This will help you to understand how to manage your money - [Reflection in Action (Day 1)](https://fnphenomenal.com/riaday-1/) - Welcome to Day 1 of the 5-day audio series: Reflection in Action: 5 Simple Steps to Save Money and Get Phenomenal. This is an audio training that will help you to: identify your money mindset and identify 5 steps to achieve your financial breakthrough. This will help you to understand how to manage your money - [Subscribe for FREE Audio Course](https://fnphenomenal.com/free-audio/) - [FNPhenomenal Virtual Book Launch Party!](https://fnphenomenal.com/fnphenomenal-virtual-book-launch-party/) - Monday February 17th through Friday February 21st Sunday February 23rd through Wednesday February 26th 8:30pm EST Welcome to the Virtual Book Launch event. This is a complimentary event where we will journey to the 5+5 FNPhenomenal Ways to Save $100 This Week Without Killing Your Lifestyle book release! This book will be released on Thursday, February - [Unlocking Your Financial Breakthrough](https://fnphenomenal.com/unlocking-your-financial-breakthrough/) - Monday, February 3rd at 8:30pm Registration http://forms.aweber.com/form/04/1830614004.htm Ever feel like you are on the cusp of a breakthrough, but remains just out of your grasp? You feel like you keep reaching and reaching, but yet things still remain the same. 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