What to do if you don’t have an Emergency Fund?
Note: Update April 2020, I wrote this article January 2019, in regards to the government shut-down. We just have no idea when something bad can happen. I am still in disbelief that we are going through this pandemic as of April 2020. What to do if you don’t have an Emergency Fund? Currently, in the US, the government had the longest shut-down in history and might start another one [...]
Financial Resources during the Coronavirus Pandemic
Here are some Financial Resources during the Coronavirus Pandemic of links, blogs, articles that can help you navigate this tough time. The best option is to call and let the company know immediately that you are having financial difficulties so they can help you. Credit Card Debt? What should you do? Relief will NOT be provided automatically so you need to take action and ask for help if you [...]
5 Positive Financial Habits that Wealthy People Do and So Should You!
What are the top 5 positive money habits? Paying their bills on Time Wealthy People always pay their bills on time. It is so important to be aware of your bills and pay them on time. Opening up your mail and email on a timely basis and making sure your bills are paid. Now a days you can pay them automatically! So you don't even have to think about [...]
Mental Health Resources during Tough Times
Mental Health Resources during Tough Times Don't forget to think about your Mental Health Most of the United States and other countries are doing self quarantines and school closing. We are spending more time indoors some with family and some alone. These are tough times and this is uncharted territory for most. I want to emphasis it is 100% okay to reach to a therapist and talk [...]
How we had our Wedding on a $5000 budget
Our Wedding Story This is how we planned a wedding on a $5000 budget. My husband, Tad, and I are college sweethearts from George Mason University. We got engaged our senior year in college. I was so excited to think about wedding plans. We were 21 years old and hadn’t moved out of our parents house yet and needed to figure that out first. We enjoyed being engaged and [...]
Don’t Overspend to Keep Up with Friends
I came across the Credit Karma article about Millennials spend more because they are trying to keep up with their friends. I had to write a blog post about it. Credit Karma/Qualtrics study of 1,045 U.S. consumers. Now, I will put in a caveat and say I’m not Millennial, based on defining a Millennial as someone between 18 and 34. If you consider me a Millennial I will [...]
Yummy Pulled Pork Recipe
Pulled Pork Recipe My family and I love pulled pork. It just takes some time to make. Be prepared to take a couple of days to make it. It is well worth it though! I'm not going to go on and on about it. Here is the recipe. Enjoy! Purchase a boneless pork shoulder. The larger it is, the longer it will take to slow cook. This is done [...]
You have to start at Step 1
It was Christmas Eve. We had just finished watching Home Alone (as is a family tradition) and my son picked up a book about origami. He thought it was a great time to start origami at 9:00pm. He wanted to start on the expert level and was asking lots of questions. Neither my husband nor I know that much about origami, and the book stated that you should start [...]
What are some of the rules you use to run your household?
What are some of the rules you use to run your household? I was reading an article from an April 2018 Real Simple magazine called “Your Words: What’s the family rule that keeps your household running smoothly?” This article really got me thinking about our own household rules for our family of 5 - me, my husband and 3 kids. I really like all of the suggestions. Some stood [...]
Free Financial Checklist: It’s time to Get Financially Organized this Year
Getting Financially Organized this Year It is never to late to get started. As a coach, one of the things I ask my clients to do FIRST is collect all of their financial information. Having it all located in one place is essential to get started. Here I created a FREE worksheet to help you collect all of your personal financial information. [...]
Everyone has a Spending and Saving story. How do you change yours?
Everyone has a story Everyone has spending and saving story. What is your spending and saving story? I don’t want anyone to feel discouraged that they can’t save or they feel that they are stuck because they don’t “save” enough. I truly believe everyone has a story and if you want to change that story you can do it. It takes some mindset [...]
Positive Cash Flow is the Key for Financial Success
Cash flow is the Key What is Positive Cash Flow? Positive cash flow is simply having more money coming in than money going out. This is key to everything when it comes to personal finance. Making sure that you keep some of your money for the future whether that is upcoming bills and savings. If you spend it ALL you can’t save. Simple. Do [...]