Category Archives: Uncategorized

Learn by Doing

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For those of us like myself who might be afraid of financial institutions or just the thought of getting your finances together, it is time to break the ice and dive in. Everyone has fears or something that makes them nervous…that’s life, but you can’t let these things hold you back. Bank accounts and credit cards can be intimidating and overwhelming especially for people who are not used to financial institutions. They can be big and complicated. We are pretty much trusting our livelihood in this big building who just takes our money, meanwhile I’m here thinking hey, I don’t know you…well at least that’s how I feel. It feels unfamiliar and scary. In order to feel secure and become aware of what to do with our money we must learn by doing. It is just like any other process of learning, with practice you get better. We are offered so many different ways to become knowledgeable and educate ourselves about the financial process. We can learn through technology, financial advisors, peers, financial products, webinars, blogs, research etc. Instead of sitting back and watching the world pass you by, get up and teach yourself! Don’t be afraid to mess up….

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Money Mistakes

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MONEY MISTAKES  “Don’t waste a good mistake, learn from it.” -Robert Kiyosaki Most of our mistakes in life become life lessons. Being in my 20’s I feel like mistakes and life lessons are the story of my life. Im at the point in my life of adventure, discovery and exploring. I have the ability to be a financial ticking time bomb or I could set myself up to succeed financially. Do you ever wonder where all your money? Spending money is way too easy for many of us. I admit it, I love to spend! It is so easy that it can make saving seem super hard! It is actually easy to save money, but it is not something that will just happen over night. You need to work at it and change some things. Many of us don’t have or recognize the essentials. No game plan for your debt No budget  Not saving for retirement Living paycheck to paycheck No savings or emergency fund Not negotiating your salary Not knowing your credit score No plan for your money  Saying no to mixing money and relationships – loaning money to family and friends Keep putting off your credit debt Not…

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Financial Anxiety

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Do you ever think about what lies ahead? I’ll be honest, the future has been on my mind a lot lately. Being the anxious person that I am, I probably already overthink too much, but between school, juggling two jobs and just trying to figure out who I am in this big world, my future has begun to feel like a giant question that I can’t answer. I’ve been battling this question and it always feels like I’m not where I should be, but when I really contemplate, I realize I have made a few solid financial moves and life changes in the past year. After this past year, I really have made strides and come a long way all things considered. I need to remind myself as should you, that your speed doesn’t matter, forward is forward and progress is progress. Don’t sell yourself short. I am approaching the “next phase” of my life and I want to be smart about my money and make good choices for myself. I want to be prepared for the unexpected and exciting times as well as the inevitable with a clear mindset. I am learning that being preventative is a very important…

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Financial Tools

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FINANCIAL TOOLS Some of us need a little help with understanding the financial world and keeping our finances in order…I know I sure do! Do you have a bad credit score?  Do you keep track of your bank accounts and credit cards? Do you have a debt plan? Are you building your savings? Do you track your expenses? Do you even think about any of these things in an organized way? I never did, but they are important questions to ask yourself and consider. Keeping track and staying on top of your financial situation, whatever it might be is important. I will share with you some of the tools that have recently helped me to stay on top of my money and keep everything organized, while reminding me of my end goal to be financially sound and comfortable. Sometimes too many options can be overwhelming, so I’ve broken the list down to just 5 that I consider to be user friendly and superior to their competitors. These are some tools that have helped me to get a clear view of my total financial life. I refer to them as my financial hack apps.   Mint is a personal financial management…

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Got Debt?

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GOT DEBT?  Do you have loans? Do you need to pay off debt? I know I do, along with many of my peers I have student loans and debt that I am reminded of every day. College is an incredible opportunity that not everyone gets to experience. A college degree is a great way to get your adult life started. Some of us make it through all 4 years, some of us do 4 plus years, some of us drop out and then theres me, on the 5-10 year plan just trying to knock out one bill at a time and cross off one class and 4 credits every semester. Paying off debt is hard, but staying motivated to pay off the debt is even harder. You have to create a habit and incorporate self discipline in your repayment process. Is it hard for you to give up and sacrifice the things you love? Ya I know me too. I try to give myself a small allowance or put money towards what I call my “fun fund,” c’mon it is summer, lets be realistic here. There is no way I am going to just not spend any money on things I…

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What is Your Why?

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PASSION What is your WHY?  We all have a passion, a fire that burns inside, wether it be sports, fashion, education, music, etc. it is an inspiration that drives us. Beyond the scores and stats or the latest and greatest, our passions give rise to our stories and help us overcome obstacles, exhibit sportsmanship and defy the odds to achieve success. Celebrate your uplifting story and take a deeper look into the inspiring lives of your peers. Passion is one of those intangibles that gets us through the good and the bad as well as dictates our success. It allows us to outthink second place. Our success comes from our passion. It conveys that regardless of your position, you can be successful if you have passion for what you’re doing. If something is hard you don’t give in, you apply yourself even more to overcome it. Your drive and your motivation won’t go unnoticed. Although we all have a passion, not all of us realize our passion or drive. We forget the reasons why we do what we love and we lose our motive. Ask yourself why? Why do you run that half marathon?  Why do you train hard everyday? …

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Zig When Others Zag

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ZIG ZAG APPROACH TO SUCCESS: BE OPPOSITE & DIFFERENT “Far better is it to dare mighty things, to win glorious triumphs, even though checkered by failure…than to rank with those poor spirits who neither enjoy nor suffer much, because they live in a gray twilight that knows not victory nor defeat.” -Theodore Roosevelt “If you want an average life; copy the masses. If you want an extraordinary life; zig when others zag.” -Unknown In order to be successful you have to go against the norm, be unreasonable and unorthodox. Success does not come from what society considers “popular and acceptable.”  Please excuse me, but I say F*** society, be the exception to the rule, don’t follow the standard and do the opposite of the average person.    Are you lazy? Grow, change and challenge yourself Sacrifice, work and achieve Discipline, commit and take action Empower, enlighten and inspire yourself Meditate and visualize Be enthusiastic   Do you dislike your job? Don’t make a living, create a life Find reasons to love your work or change your career path Are you focused? Focus on your passion Make an effort Take a chance and make a tough choice Live with urgency How…

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Strong Financial Foundation

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Do you have a strong financial foundation?  Are you smart with your money?  Spend less than you earn, widen the gap between spending and earning. Spend less, cut your spending and do not make unnecessary purchases. Cut back on the things that don’t matter to you in order to afford the things that are important to you. Earn more, increase your earnings from work. Move up in your career or get a second job. You may also thing about a side business. Question every dollar you spend, be critical of the money you spend and what you are spending it on. Essentially it will turn into budgeting because you are evaluating the money you are spending. Do not spend without a reason as in don’t spend any money without an honest good reason. Cut out the dumb reasons to spend money. If you have debt, eliminate it.  Build a debt repayment plan Debt negatively impacts your cash flow constantly If you don’t have debt, then you should invest Start planning for your future and your goals Build possibilities and give yourself options for your future Secure your retirement Know what you need to save Consistently strive and work on your…

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Identify and Plan

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GOT A PLAN? Do you ever feel overwhelmed with personal debt? Would you benefit from adding a financial plan to your life? When you have different sources of debt it can often become hard to keep track of your debt. Financial planning is the long-term proactive process of wisely managing your finances to help achieve your goals and dreams, while at the same time negotiating the financial barriers that will eventually arise in every stage of life. Remember, financial planning is a process, not a product. Figure out what you owe and who you owe. Find out how much the interest from your debt is costing you Credit reports can help you identify your debt Contact the lenders on your credit report and find out what you owe Organize your debt into -lender, amount owed and interest rate Pay off your debt Budget Focus on your unique situation, and work towards positive results for your specific circumstance. The success of your financial life is the sole objective.  In complicated times, the need is greater than ever to have confidence that you are focused and pointed in the right direction. Your strategy will show you how you’ll achieve success, no matter…

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HUSTLE

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Does money stress you out?  Does money make you feel bad about yourself?  Trying to make money does’t always have to be stressful, you can embrace it and turn it into a positive challenge. Make it a game, it doesn’t have to feel like a burden. Challenge yourself and strive to become better mentally and financially. Money isn’t personal and it has nothing to do with your self-worth, remember that. If you have hit a spot in your life where you feel like you have hit the bottom financially, then take this time to move into transition and make it a priority to fix your position financially. Take care of #1, yourself! Organize and clean up your environment Eliminate any negativity in your life Quit wasting time, use your time wisely and be productive Follow up on any money owed to you Stay away from commitments Set a small goal and a plan to make money Make time to just focus on making money Create a support system for yourself Brainstorm Focus and get specific Connect In the moment it feels like a mean and vicious cycle. It is one of those times in life where you most likely have…

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