Read on to find out why it is better for business to have more eggs in the basket. Consider the eggs in the basket as business prospects. Successful business are always generating prospects. Businesses can not expect to thrive on one client. Businesses that survive are fully aware of their functions and target population of potential clients and they actively pursue them. Successful businesses know that not all prospects will become a client. The prospects are potential clien

Money and opportunity go hand in hand. Read on to explore how money and opportunity are closely related . In 2012, I had little money but I had an opportunity . The opportunity was unique and I knew would not happen again any time soon. The opportunity was a lump sum of money . I used this opportunity to pay off every bit of debt to include my mortgage. I had money left over and set up a cash account that covered basic needs and emergencies. I also set up investment accounts

You do not have to accept that debt is healthy and normal. Read on for practical ideas on financial freedom. My husband and I recently ordered “ Be Weird” debit cards from a specific credit union. We have a plan to use this card for specific purchases. We are thrilled that this credit union places emphasis on cash purchases and does not offer lines of credit. We are preparing to spread the idea of cash only purchases with our friends and associates that rely too heavily on cr

Sometimes you will set a plan and find it is not the right one. Weigh your options and commit to a better plan. I posted about a recent financial issue in my lost blog. My husband was hit by another driver and his truck was damaged. We initially decided to repair the truck and shop for a new truck. However, we soon discovered that we were tired and overwhelmed. The task was too big and extreme. We chose to simplify. We started repairs on damaged truck and found it to be in ex

Life is never predictable or fair. Read on for how you can prepare. I am sharing about my present unexpected struggle . This struggle has impacted me financially as well as emotionally. I made some decisions. Direction has been determined and is now being pursued. My husband was in a car accident. His truck was hit by a young man and his front fender and bumper were nearly torn off. My husband was hauling a tractor and trailer. The young man accepted responsibility for spee

If you made it till pay day , you deserve a treat. How does a chocolate Pay Day candy bar sound? So how do your emotions run on pay day.? Are you relieved and happy? Or are you depleted and defeated? Pay day is income, which is your biggest wealth building tool. Pay day means you can pay your bills. Pay day often means you have extra money after paying the bills. What do you do with that extra money? You need to have a plan with your earning and spending. If you fail to budge

Let’s explore the relationship between financial wellness and mental health. You need to be financially healthy and be mentally sound in order to have a full life. You will be able to do more if you have financial wellness and strong emotional health. How you manage money is very closely related to your emotions and emotional wellbeing. Money management starts with you. You are in control of your money. You decide if you are going to make a budget and stick to it. You can cha

Mutual Benefit Read about how giving to gain in business can lead to success. I have worked as a Money Coach and Insurance Agent for the last three years. I have met many business owners and employers. I have observed patterns and strategies of sales and referrals. I have made numerous connections with various professionals at net working events. I have noticed that those who listen to others and engage with them by showing interest and concern seem to be better off in their

Read on for some tips on successful prospecting in business. I am not a natural as far as sales. I am an introvert but I like networking with others. I have a passion to help people and build income . I attend a lot of networking events and meet a great deal of people. However , not everyone I meet will be a good prospect as far as my business. I am a Money Coach and Insurance Agent. People frequently ask me what I do for a living and I give them a brief version of my profess

Take a moment to look at yourself in the mirror. In these busy times , we need to know ourselves. If we are delivering a professional service to people ,we need to know our role.We have to be aware of our motives and our skills. By looking in the mirror, we can be aware of our unique abilities and talents. I often find that I can almost see into my heart, which reveals my true passions. I tune out what the world is saying about me and focus on what I see. I ask myself if I am

Are you struggling with closing the sales? Read on for some tips. As a Money Coach and Insurance Agent, I have had to make transitions in prospecting potential clients. I started from scratch in finding clients. I became intentional about doing business. I became protective of my time and wise about money. I attend networking events to meet new clients. I focus on those who have a need for my services. I ask the right questions to assess whether the potential clients recogn

I have more to say about dreams. Read on to hear more about why dream chasers succeed. So who are these dream chasers ? They can be of any age. They are people with a consistent goal and purpose. Dream chasers are not willing to accept that they need to have a stable, mundane life. Dream chasers think outside the box in venturing out of their immediate environment. They aspire to improve and transform their lives. What sets dream chasers apart from others ? Dream chasers poss

We all have wishes. Our wishes and dreams can become a reality . I have been fortunate to know many successful people. These people are in many ways ordinary , but what sets them apart is their aspirations and habits. Success for them did not just happen. These people became successful due to much hard work and time. As a Money Coach, I encourage people to consider and record their personal goals.I find that most people consider goals that are realistic and achievable. I see

What do you consider a money crisis and how would you respond? I wish I could tell you that you will never have problems . I wish I could guarantee a life of plenty in terms of provision and material wealth. However, I can make no promises. I can only tell you that you will have problems and areas of urgent need. Several years ago, my husband needed immediate surgery on his hip, my air conditioning unit on my house died and I needed to fly 2000 miles to be with my mom who

Are taxes a burden for you? Read on for ideas. If you are anxious or stressed about taxes, you are not alone. However, we can put them off or avoid them , but we we still are responsible to file taxes and pay what we owe. Fail ure to file taxes is a Federal offense. If we file taxes and can not pay what we owe, this is not a Federal offense. Taxes are a daunting, unpleasant task for me. I go through every dollar my husband and I spend through the year and itemize them into

People Matter For now the focus is off taxes and on some thing that matters. People!! People are an economy’s greatest resource and the key to enhancing good business and money flow. So instead of making peopleing draining and exhausting, let’s look at the positive benefits and opportunities. Business and employment opportunities increase when positive connections with people are built. Opportunity expands when mutual trust and respect exists. Listening is essential. Peopl

Half glass I have accepted that I am a half glass kind of girl; this is not a terrible thing. I have had my share of struggles in starting a business with new tasks and responsibilities. I did all I needed to do to obtain licenses. I learned the business and identified my goals. What next? I started my business from scratch. I had no clients and a limited budget. I started with an empty glass. I was advised to get out and meet people. I joined several business networking gro

You can help others by being the best version of yourself. You can be your best by being self driven in an environment where growth is safe and encouraged. I love conducting business with people who are honest and show confidence in their skills and abilities. I am encouraged by people who strive to help others. I actually become more confident when I prioritize helping others. As a Money Coach, I strive to give others hope and peace about their finances. I share my personal

People are wising up in 2026 I did some research on Chat GPT to find some positive trends that are helping people have better control over their money. I am encouraged to see that people are becoming more serious and hopeful in improving their money management skills. They are thinking about their future dreams and also trying to track their . spending . They are ready to make changes now at the beginning of 2026. People are using Budgeting Apps in 2026. Budgeting Apps tra

January Newsletter January is the perfect time to start fresh with money. Better management of money is one of the top New Year’s resolutions. The key to being financially fit is sticking to a realistic budget. January is the month to address poor spending habits. You can eliminate impulse spending and move in a positive direction. When you are starting fresh, your focus should be on saving money and paying off debts. You can eliminate unnecessary expenses . It took me five