Are you feeling empty and overwhelmed? Read on about how gratitude can improve your outlook. Gratitude is an attitude that is often overlooked and ignored. Gratitude is available to us at anytime, no matter the situation. Gratitude is acceptance of our situation and recognizing what we do have. Gratitude is recognizing that our situation could be worse than it is. I have found that gratitude moves me towards solutions. Gratitude invites me to take an inventory of what I hav

Avoid debt at all costs. Read on to learn about how quick decisions to get into debt can cause financial disaster. I can not stand horror movies. I already know something dreadful and destructive will happen. It is painful for me to even watch. The characters in the horror movies are creepy and freaky. I fear for the victim. Doom always happens in the horror movies and it turns into a freak show. I feel the same way about debt. Debt is a pending bill or charge that some one

Financial trials and storms will come. Read on for ways to prepare and overcome. A financial maelstrom is an event that can cause a devastating blow to your finances if not managed or handled wisely. A maelstrom is any event that causes turmoil, chaos and confusion. A financial maelstrom is large expense. A money maelstrom shows up in the form of a health or house hold crisis that involves a lot of money to repair or treat. The maelstrom most often happens at a time that is

We can make wise financial choices and avoid pitfalls in spite of inflation. Inflation is something that impacts everyone deeply. We have no control over inflation. Inflation is not going anywhere. However, we do have control over our choices and reactions to inflation. Sticking to a realistic budget is vital during times of inflation. It is unfortunate that you almost need to plan for the unexpected. You especially need to allot more money in your budget for food, gas and ut

Have you hit a slump? Do you feel overwhelmed and unsure of what works? Read on for ideas of pressing on. I am presently in a bit of a slump.I call it a funk as my mind and body are tired and overwhelmed. It has been a combination of events ,to include skin surgery and ill mother in law , that robbed me of my passion and focus on work. I have evident symptoms of a mind funk and slump. I am so tired I feel like I have been dragged by a heavy chain across concrete. I feel like

Fall is the best season to start a new budget. Fall is the perfect time to evaluate year end and Holiday expenses. All of my taxes and Insurance payments are due at the end of the year and I prepare for these expenses in the Fall. I take an inventory of cash I have in local accounts and Investments. I allocate enough money to cover the extra expenses. I am already planning my Holiday budget. I will not be going into debt. Extra expenses and Holiday spending will be covered i

When you have a peace and acceptance of your money and profession, opportunities will come. Acceptance of yourself and your present earnings is vital to hope and confidence. Success is not always determined by how much you have. When you work hard and perform well, contentment follows. When you doubt yourself, you limit your skills and abilities. When you tell yourself that you are not making enough money or working hard enough, you are limiting your own potential. Start loo

The ideas in this blog come from the book “ Who is in Your Room?” by Dr. Ivan Misner, Founder of Business Network International, BNI;I shared valuable insight inspired by the book. The book invited me to explore my personal values. My values determine how I do business . My values determine my business activities as well as my clients. I have worked hard to achieve financial freedom . I will never enter into any activities that require more cash than what I have in my budget

Take a look at your business and your position. Is there any point of conflict? What are you doing well? I painted a picture yesterday. Painting has been a wonderful stress release. It was important for me to display the picture in my office where I generate creativity and implement business. As I looked at my picture, I assessed the positive and the negative parts. I loved the vibrant colors and design. I can say the picture reflected my creativity and hope. The picture glow

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