Making Lasting Life Changes

  I recall looking at a website one day and it showed an image of a Venn diagram. The first circle was entitled, “Things You Can Control”, and it had some things listed. The second circle was entitled, “Things That Matter”, and it too had some things listed. Where the two circles overlapped, those were the things that a person should focus on per the site; things they can control and things that matter. I would suggest for this New Year that we change the second circle to be entitled, “Things We Want to Change”. Our two circles would include …
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How to Invest with $100

    If you think investing in the stock market is not for you, then you’re probably not interested in creating wealth.  Investing in stocks allows us to have more money for things we desire, like retirement, education, vacations, and leaving an inheritance to the next generation. Investing may seem like a daunting task, or perhaps you think it’s for rich people only, but trust me; with a few basics steps and a $100 you can start your journey to being financially free! Decide why you are investing- Are you investing money for college for the kiddies, retirement, fun, boredom, …
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Planning for the Unexpected

One thing you can be sure about in life is that something unexpected will happen to you. A job loss, accident, bad decision, or even a mistake can cost you monetarily. Hopefully, you have the proper insurance to cover most of the surprises in life, but chances are, you still will have to come out of pocket for part of the expenses. This is why having an emergency fund is crucial for your financial well-being.  I’ve talked about an emergency fund in other posts, but it’s something I can’t stress enough, since I see too many people without a fallback plan in emergencies. …
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10 Tips to Improve Your Finances Today

We are a few months into the New Year. Are you still sticking to those resolutions you made in January? Did you blow through your tax return and not do everything with it that you planned? Is money still causing you stress? If you answered yes to any of these questions or if you are just looking for some ideas to improve your finances, pay special attention to the tips below: 1. Prepare a cash flow: In order to improve your finances you must know where your money is going. A cash flow is a simple spreadsheet that shows how …
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Financial Strategies to Achieve Financial Success

In the previous blog posts, we’ve touched on some excellent strategies to help increase our chances of achieving financial success. 1. Spend less than you earn 2. Pay off debt 3. Save and invest regularly  One strategy, which we haven’t yet touched on, but is just as important as the others, is:                                                                     4. Plan for the unexpected.  You can have zero debt and money saved and invested, but one hospital bill, car accident, or job loss, can wipe all your hard work away. Uncertainty exists for us all, but how we plan for that uncertainty will determine our …
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Financial Values Define Your Financial Success

One of Paul’s creditors has been trying to get ahold of him all week about a past due bill. His friends have also been telling him about a, “Bulls versus Miami”, game that tickets go on sale for this weekend. The first of the month is nearing and rent, along with other bills, will be due. When Paul gets paid on Friday, what he spends his money on will speak volumes about what he values. Every day we are faced with choices on how to use our money. Should I save, or get my hair done? Should I pay more towards …
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Tools of the Trade

Did you know that cattle are probably the oldest form of money? Using cattle as money dates back to 9,000 B.C., and they are still being used in some parts of Africa. When I heard this fact I immediately thought about the saying, “big hat no cattle”. This saying refers to people who look like they have it together financially (big hat) but who actually have nothing to show for it (no cattle). Well, I don’t want us to have big hats and no cattle, so let’s get started learning how to increase our cattle. In my introductory blog, “Greetings”, …
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Are You Better Off?

The comedian, Katt Williams, had a line in one of his comedy shows that said, and I’m paraphrasing for obvious reasons, Women need to stop blaming men for their problems, telling men you messed up my self-esteem. It’s called SELF-ESTEEM! How can I mess up how You feel about You! Now, Katt William’s delivery may have been a little rough but his point was valid. So when I think about the question being asked of us today, “Are you better off” and if your answer is not a resounding, “Yes I Am”! Then my question to you is “Why Aren’t …
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Greetings

I think I was in 4th or 5th grade when I won my first “Young Author’s” award for a story about a cat burglar. I remember getting a friend of mine to be the illustrator and him drawing me a picture of a muscular cat in a mask. I don’t even recall the friend’s name but he helped me produce what I thought was a great short story, which won me that award. Ever since then I’ve had a love for the art of writing. I’m not the most sociable person you’ll ever meet but give me a pen and …
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