Hi guys! I hope you’re having a great week so far. We’ve been spending a lot of time talking about building a good foundation for financial freedom. Today, I wanted to switch gears a little bit and talk about the actual act of spending. We all know the best way to be debt-free is not to get into debt in the first place, but is that really possible? Is it better to only use cash? For everything? Would debit cards be better? Are credit cards just a gateway to destruction? Let me tell you how I handle each one.Continue reading “Cash, Credit or Debit?”
Hi guys! OK, it’s been about three weeks since you’ve started tracking your expenses. You’ve had a little time to look at your current spending habits and see where your money is actually going. Is it what you expected? Are you totally surprised? Chances are, this exercise was eye-opening, even if just a little bit, but that was the point. For you to see exactly where you are. Now, let’s move on to the next step… building a little cushion.Continue reading “Rainy Days”
Hi guys! I hope you all had a wonderful Valentine’s Day. I learned that February 13th is Black Love Day (pretty cool!), so I ended up calling that weekend ‘Love Weekend’. It’s another intentional reminder to show love to family, friends and yourself. I try to take a few self-care moments every week and started Valentine’s Sunday with a face mask per my usual early Sunday morning routine. I’ve made a tradition of giving a valentine to my son every year and really enjoyed watching him open this year’s card and gift. We treated ourselves to Red Lobster later in the day (via curbside pickup, of course), and I even got a good workout in. Then, just when we were settling in for the night, it happened…Continue reading “The Glamour of Motherhood”
Hi guys! Ever heard the phrase ‘kids say the darndest things’? Y’all, my son is the walking epitome of this phrase. Every week, he says something that either raises my eyebrows or sends me into deep thought. The older he gets though, the more he keeps one thing in particular on repeat….Continue reading “He’s a what?”
Hi guys! To get a good foundation on our finances, we need to do one more important thing: a check-up. Yep, your finances need to have check-ups too. One thing that was very apparent in 2020 was that the vast majority of us were not in good financial health, and a lot of people are still feeling those affects. Incomes have changed, living situations have changed, and for many families, medical expenses have changed as well. I think most people genuinely want to get a good handle on their financial situations but just don’t know where to start.Continue reading “Financial Check-Up: Where are you now?”
Continue reading “Where do you want to be?”
Hi guys! One of the biggest lessons that I learned from 2020 is the importance of good financial planning. So may people found themselves in situations that they never thought they would. Losing their jobs not only meant losing their income. It meant losing their insurance, their homes, their vehicles, their freedom and more. I’ve heard it said a thousand and one times throughout the past year: one source of income is not enough. But what do you do if one source of income is all you have?