We are all doing an amazing job raising our children to become the vision of what they are destined to be, we can become so organized that we want the house spotless and as a result we become overwhelmed with everyday clean up activity.
In the season of raising younger children, I pray you don’t become so overwhelmed with organization and housekeeping that you forget to create time for life; self-care of you, with friends, with your husband, your children and your personal health.
We need to remember that our home cannot be the same haven that you had before you started your family.
I’m so like… I want my house spotless (neat freak, control freak… me…you name it) and clutter free, but what season are you in? As a single person and a senior adult, time is your friend compared to when you have younger children.
A good place to start will be to understand the seasons you are in, also maybe, consider your commitments and activities and do that which bears fruit into the future.
Are your children still in elementary or middle school? Keeping your home organized may prove challenging; there are so many extracurricular activities and not enough time during the day to complete them all.
Breathe, stay calm and remember this stage of life is not impossibility; it just means that you need a “plan” daily and intentionally.
What’s the plan, you ask?
- To help make your journey in this season of bringing up younger children an enjoyable one, not one of overwhelm.
- What one thing can you change, I know you may not feel like doing it but take just one step at a time, one day every week.
Change Watch – Do This – An area of overwhelm and anxiety is the breaking of furniture and potential injury to younger children as a result of furniture around the home.
- Audit your home; make your home safe for these little ones that were once a dream and a vision of yours, appliances and furniture should be bought with children in mind.
- Considering putting such in storage, charity or donate to a family in need.
Sincerely in Joy,
For me the best and funny part about “Writing” before I knew I was terrible at grammar was that, by the time I realized I was crappy I was already too far gone to stop.
We are in it together, the struggle of a dyslexic is the basic things that you take for granted; left/right, horizontal vertical, rows/columns. I struggle with directional words like; where/were, their/there, its/it’s etc and knowing when to put in commas, hyphens, period, b/d, lower case and uppercase and so many other things that are easy for everybody else.
You have a gift to share, we are stealing if we keep our writing, our gifts and talent to ourselves.
FYI: You get better at it, the more you write. Remember that this particular limitation/disability can be changed with learning and re-training ourselves.
Now, I know why I was always in Ms. James house our Phenomenal English Teacher at AGGS, well, apart from back-breaking labor (hahahaha) I guess it was for English and Grammar tutoring.
Sincerely In Joy,
Let’s talk about self-awareness; how it is a light that comes in when you don’t even know you have been in darkness, that it seems as selfishness to others but disguised as self-care from you to yourself.
No one can be of use if they are an empty well. Empty: Defined as containing nothing; not filled or occupied.
For me it took years to become self-aware. Have you always taken care of others? Then that is what you “DO” (meaning… I’m a go girl) naturally, as a result you forget to take care of yourself; you may even forget that taking time to care for yourself is an option, a non-negotiable.
I think it is different for everybody because of our personality and demographics. In hindsight; the applause of taking care of others must have been a form of martyrdom (family and friends) subconsciously a way to gain approval and fit in and even though I did it from a place of not wanting anything back.
I have always wondered if people told me and I just kept doing my thing.
If you are taking from somewhere else to help others, or you feel like you are cheating, that is a disservice to those people: work, children, health or our marriage.
Everything we do must be done with an eye for balance; it doesn’t need to be balanced though, and that’s because once we feel the engagement or the flow is off we can reevaluate and re-adjust to get back in line, i.e. take a tire.
Now I know what works for me and how I can do my best work to help people, places and causes. To give from a well that is not empty.
Me being aware of my weakness is being aware of my strength too.
Change Watch: How can you be more Self Aware?
You will realize that the world is okay.
That it is safe to believe again.
That it is safe to be authentic.
That the hurt heals.
And life can, if you choose start again.
How I relate as a Start with Why Follower
Of course this article started differently, as a ‘moment of impact and loving again post”. It definitely did not start out as a healing story for the election year 2016. It did start out as a believing again article.
This article started the second day after I met the well know speaker and author Simon Sinek. An all-round amazing guy, no pretense even in the few minutes I spent in his company. And he makes sense, a lot. He can do no wrong by me. He practices what he preaches, he engages people off the stage and on stage. Listens to you attentively, yes, he looked out for us as we crossed the street. He shouted out to a random stranger how beautiful or something they were and I saw their eyes pop up. He relates to his staff so humbly and genuinely, that they know what they need to do and not do without him saying much.
I now realize that I had been hurt and hadn’t even known it, that I had not had anything to believe in and that’s what Simon did for me on October 27th 2016. He gave me a reason to believe in people again! He got me moving.
He reminded me of Hillary. After the election loss, and believing again and that’s how the story changed. Some of Simon’s ideas from Simon’s being a follower in the movement will intersect in this article, and that is because at the end of the day, Hillary started a followership with this year’s election and this is what Simon’s movement is too.
A sneak preview – before the story line changed
That Saturday; well for me, it started like this…
Friday – “Got on the Greyhound to leave New York at 1:30 am and headed back to Maryland. I got home around 4:30. Woke the kids up to get ready for school and by 7:30 I had dropped the last son off at school and made it to work that Friday for my job and had two cups of coffee”
Saturday – “After a good long sleep on Friday night, gosh… and lord did my body ache? Sitting down reflecting about what had happened on that Thursday. I was thinking and staring at my personalized book and wall poster from Simon, and like Oprah’s ha-ha moment it hit me right in the head like a 2 by 6 piece of plywood.”
Ha-ha moment – believing again
My ha-ha was realizing it was all about me, for me a super Fan, who had followed him and his movement and had a connection to his values and beliefs because they looked mine. But not knowing he was slowly reigniting my belief in people, the good that can come out of them.
It’s … when you don’t even know something will hurt until it happens, you don’t know something is broken until it is.
For me, personally it was about … believing again. It’s in finding something to love or believe in again, it’s in passion lost and regained, and something to believe in when you didn’t even know you had fallen out of love or stopped believing.
Triumph, loss and redemption
We ran an election of emotions in 2016; it was about our values, our beliefs and hope.
Why would an election loss hurt so much, I slowly walked with a defeated gait; I was mourning, I’m still mourning.
The aftermath of this election, the hurt and heart ache, the brokenness that comes with it that you never knew you had? The one you feel when you are hurt or when someone dies or a break-up that’s what it feels like, yes when they are that close to you, you feel it. Yes, we got too close, and I love that I did, no regret here.
It’s official; it’s a break-up.
All People – What we fought for, that all people are created equal
The values, the belief that all men were created equal, to live peaceably with all men.
It hurts more when you went all in for values and beliefs and you come out in love; and that’s what the election was. The outreach was great the connection between the people was focused, Hillary a representative of the Democratic Party, gave me a reason to believe in people again! And the great thing is she wanted us to cause the change together, to come on board to do this together. She like Simon created a movement.
The cause spoke more to some of us than others, the ones who could relate financially and also as a person with issues that needed to be addressed, the disenfranchised. We were the organizers of the local meetings and events, the people who made calls, the ones who voted early, the inner circle, the local coordinators and that was because she wanted us cause a change together with her.
The Democratic Party stood up for all people, our party ran on love and acceptance of all people irrespective of our education, religion, gender or race. It was not about Hillary, but, about the people.
The Republican party won by not standing against Trump concerning the use of his words, I applaud all the ones in the party that did; but the majority of them, they did not stand for people when he spoke to us shaming us all based on gender, race, religion, education and immigration status.
The protest have started and they are personal for most; to the way he spoke to each and every one of us, and it’s not only about the electorate, but really the way he has treated certain and spoken down on Americans.
You can take a break, hit Reset.
When life gets too crazy you can hit reset and take time for you, Simon said.
So as we roll into week 2, after the election of 2016. I hope you are healing, I’m healing slowly too.
Did you do some of these things to heal the hurt this past week? I did.
- I ate comfort food and eat remembering every bite of it
- Screamed; I did three times
- Work through the emotions
- Post, comment, tweet
- Watched a movie that you’ve watched a thousand time before
- Listened to a heartbreak song
Check out some songs I listened to here;
- and I Cried
Work through the emotions, don’t bottle it up… everyone seems to pass it off easily. If friends won’t listen post to social media and find camaraderie in people you don’t know or call a life coach or counselor.
Read this part, when you are ready to start again, – many days after, or many, many months after.
You were part of something amazing and you just didn’t know it.
I love a good romantic story, so most of the things I relate to also have a lot to do with sentimental what not’s.
There is the love of God, of country, American literature and history and world history and architecture, creative arts and stuff like world creation, apologetics and God as the great romantic. Meaning give me a good movie, song or play with any of this and I’m hooked.
Hence, started my acknowledgement of moments of Impact; I now realize it starts gradually, once it happens you get it, that when everything else that happened before then will all of a sudden make sense the dots connects.
Some of us will relate to Mr. Neil DeGrasse Tyson that awesome scientists whose work and relationship with the Cosmos changed our lives two years ago; but whose life was changed by his mentor, now that’s was a moment of impact.
Meeting Simon Sinek was a moment of Impact for me.
Love romance? Then you will relate to a good tear jerker like the Nicholas Sparks Movie with Channing Tatum called -The Vow. Remember, when he was narrating at the beginning of the movie, in watching it, you understand in detail what a moment of impact means.
How about this, are you a tabloid Junkie? Remember when that tabloid gossip paper broke the story on the Duggar family… what good credible celebrity news ever came out of them before that. But, yep it was a moment of impact.
Understand the moment of Impact ~So for this election, it is the fact that many days after or many, many months after; depending on how you process healing, when you are hit with the fact that things are changing, that things can get better, it doesn’t hurt as much or just plain that we can laugh again.
- You will realize that the world is okay.
- That it is safe to believe again.
- That it is safe to be authentic.
- That the hurt heals.
- And life can, if you choose start again.
And that’s it; the ha-ha, moment, the moment of impact.
From my heart, xoxoxo
You probably realize you shouldn’t stare at your cellphone, eyes glazed over, during a business dinner, but there’s more to it than that, of course. Practicing proper table etiquette and behaving with decorum can help you seal a deal with a potential client or even earn you a favorable impression during a meal with your boss. Sharon Schweitzer, a cross-cultural consultant, international protocol expert and the founder of Protocol & Etiquette Worldwide, has great tips for business lunches and dinners, beyond the obvious faux pas of talking with your mouth full and slurping your soup. If you made the invitation, you’re responsible
If you extended the invitation, you’re considered the host, and that means you’re paying the bill. That includes casual invitations, like, “Hey, let’s get together for dinner.”
- Baltimore Sun Sunday – By Jeff Haden.
Read up here.
I have a love of reading the news the old-fashioned way, I still get my newspaper delivered every Saturday and Sunday. So when I was flipping through my paper and saw this story, my head went back in a laugh. I wish I had read it the day before I met Simon Sinek and he said, let’s grab a drink after his book signing.
I made the cut, so I’m responsible.
I was like Yep! There is something about creating time for others, even when you don’t need to and that’s what he did. This is one of the thing he talks about, in his interviews he always appreciates a great conversation. He talks about people checking their phones and not paying attention and talks about the art of listening well.
Here is the link to a great article I saw in the Baltimore Sun, by Jeff Haden.
So what does the article talk about? It breaks down the things you need to know when you accept that invitation to dinner and what to know before sitting down.
Hope you find it helpful.
Read up here.
Leadership and Followership.
I had the opportunity to meet the great mind in person on Thursday, October 27, 2016, at his book reading at the Barnes and Noble in New York. And I have my signed book and wall art to go with it too. I am officially a Super FAN; well I was one before I met him. As a management, business and leadership junkie, I’m super excited to have met him.
How do you learn from someone like Simon without money for recreation, business or education in your budget, to buy books and go places he speaks at? That’s pretty much where I started.
So how did I learn? How do you learn from someone like Simon without being opportune enough to hang out in his immediate circle? Would you like me, love to meet him in the future? My suggestion is to get as much of the available information floating around out there. I watched and read most things I could find on him; watched his videos, read articles, absorbed his theories, the people, authors and books, that he mentioned and reviewed them to learn more about him. Get as much of the free stuff and be resourceful with it.
I decided to try out his theories, how do you become a follower? How do you create a movement? I implemented small changes and in some thing’s I just plain did exactly what he did.
- Early adopter – I started dedicating my time to learning his work via all mentioned above. Looked out for his Facebook posts to learn more about him. I focused on him only, not him and all the other people I admired too. I did this to test out his early adopter’s theory. Be a part of the first followers, even though I came in pretty late in the game as an adopter it has been proven to work.
- Developed better letter writing and communication skills – In letter writing, I address my letters and text messages better using his suggestions by going straight to the point.
- Bring value – My first paid gig, I asked for the same amount that Simon asked for when he had just started out and a few dollars more. Why will I ask for more when they don’t know me and I don’t have any credential for them to base my work on.
- Be consistent – Ask him the same question every time his post came up on Facebook, till he was like who is that person? That never happened, because I won a backstage pass, so the method worked but faster than I imagined.
I’m blown away by his authenticity this guy sells out his events, he engages with all the big timers, heads of fortune 500 companies, non-profit and government, of our time. Yet still carries the small timers along (like me) Simon still chooses to reach out.
The Questions I asked Simon Sinek at the Book Signing Event
#1 Question – Was it intentional? There seems to be a pattern with the books since Start with Why? Seems the Leaders Eat Last book, came out of the Why book and Together is Better book came out of Leaders Eat Last book.
Answer – In his words it was intentional.
Why you ask? (No pun intended) my take, anyways is. I think it is because once you find your why as a leader; you must have great leadership skills and foster togetherness to keep your employees.
#2 Questions – When Leadership takes a tool on the leader, who inspires the leader?
Answer – If you inspire those around you, then those around you will in-turn inspire you.
#3 Questions – You always say take help when given. What if nobody gives or offers help to you and when you finally reach out they have excuses. For me as a single parent, I feel like I’m always looking out for people and but no one is looking out for me, it is hard to continue to give if this happens.
Answer – If they don’t offer help or and give excuses, then maybe you were never their friend.
#4 Questions – How can I be the leader I wish I had without getting on someone’s nerve, since what I may want as a leader may in turn be irritating to them?
Answer – You need to learn to have empathy and be discerning of what others want.
For passion and hustling you need to start with why, not what or how. Once you do, you will also have connected with your people. Or tribe as it is loosely used. It made sense that after Start with why; he would have more articles and more videos out there. So I searched and found more and more videos.
This Movement; what inspired me the most is that Simon said I could. Meaning you and me or we could share this “WHY” with others if we believe in it. He places no proprietary rights to it at all. All Simon wants is to see a world where people can wake up inspired to go to work. Imagine my joy at this, he is encouraging me on, that my dream matters too. That my dream; lives within his dream, and for me, a person who doesn’t like the spot-light and always wants not to be noticed, or pushy but probably needs it. An introvert, through and through with an idea but who isn’t forceful. It was a great PUSH; he gave me permission to speak, to be a part of a group, to believe together with others in something bigger than me.
Mopelola Gloria – xoxoxo
Change Watch – Is there a public person you love and admire and adds value to you?
You (Insert your name here) will and must go out no matter how relaxing staying home feels and looks… flip-flops, cozy robes, hot chocolate and 24 hour cable are a no-no…. So come on, get going, be productive and act grown up.
Single moms with full custody of their kids and an ex that does not help with extra-curricular runs weekly. Not to mention a support group that’s far from where they live, may not get as much time to themselves often.
The “Summertime, Christmastime and mandated Holidays” are all you get for time away from your kids. Be grateful for this, the time for family members, friends and your ex to help out with my kids. The older the kids get, non-custodial parents make themselves more available for full day and sometimes weekend sleepover and friends and family feel more capable in your absence.
Here is my story, when this happened in the past I would spend the time cleaning and decluttering the house, run errands like grocery shopping and return books to the library etc. When that time comes and it will, pamper yourself because it will happen before you know it. It took me a long time to figure this out.
My “haha” moment came when I realized I was not ready, was not prepared for this because it rarely happens. I realized that mentally I shut down; like clock work, almost as if my body and brain knew I had no responsibility, my body and brain would become non-active.
So the plan is, always have an upfront plan (which I’m giving you below: see below list of things to do) and not a backup plan for when someone is being generous to take your kids out of your care for a few hours, or a day or two. This day will not be for you to sit around…and read a book; fiction or nonfiction and attending to other unending tasks and chores in your home you can do that when the kids are around.
You my dear lovely and under pampered sister need to have a plan, when that day comes you will need it. This “my kids are away day” is a free day, not a day for sleeping in your pajama’s all day and eating leftover pizza, ice-cream or eating peanut butter straight from the jar, just because you want to stay indoors….it’ s a day to be a grown up, to go out and have random conversations with random people you don’t know, and may never meet again. It’s a day to have conversations with people your age and older that bring a different perspective than your children’s.
It’ s a day to be a grown up, to go out and have random conversations with random people you don’t know and may never meet again. It’s a day to have conversations with people your age and older that bring a different perspective than your children’s.
But but … you say, it’ so much more relaxing to stay home, I say “Yes and “No. You (Insert your name here) will and must go out no matter how relaxing staying home feels and looks… flip-flops, cozy robes, hot chocolate and 24 hour cable are a no-no…. So come on, get going, be productive and act grown up.
So here is the plan
Start with this – The first and absolute first thing to do is; shout as loud as you can, play your favorite music as low or loud as you can and dance as wild or as timidly as you want for as long or short as you can.
And here is the list of “to do” for when the kids are away, do all or do one or combine on same day.
- Visit a spa and get a deep tissue massage or facial.
- Get your hair and nails.
- Go to a restaurant alone, and stay to eat by yourself and please order something outrageous.
- Call a friend and invite them to meet-up with you at an event, restaurant or just to catch-up.
- Find a local networking group on eventbrite and hangout with other people who share your passion.
- Take public transportation or take the longest drive route to hangout with a friend or family in another state.
- Call the cleaning company to clean the house.
- Drop your clothes off at the laundress or cleaners.
- Hit the gym for a workout in gym clothes and work your “butt and waist off”.
Change Watch – Don’t forget to take pictures, and lots of it!
Leaders are Responsible for their People
This article was scheduled to post on 10/22/2016, but due to something amazing brewing for me, it is being shared today, 10/19/2016.
Live your dream daily and inpire as Simon Sinek.
I recently discovered Simon Sinek, and I agree with his views on leadership, I have always thought they were weird the ideas in my head. Simon is creating a movement so both employees and employers will love the work they do and those who they do it with.
Being a leader is a thankless job. If you are in it, irrespective of your current rot, I have a feeling that you are not in it for the money or fame but for the service and love of people.
Why do some bosses hover over you and are sometimes almost anal, while others give you space and believe in what you bring to the table and that you can get better the more you fail. When did hovering ever get the job done? My weird belief is that anyone with a first degree or the experience equal; is smart enough and don’t need to be yakked upon to do their work by a boss. I believe that communication and respect will bring the best work out of them.
I’m fascinated with understanding the how and why of my behaviors and that of others. Understanding how this affects us in our organizations, in our homes and daily interactions. As an Introverted; sensing, feeling and judging person I’m always thinking, no… I assume I can tell what people think (my super power or just paranoia).
I wondered how and why those changes impact me and all of us. How do organizations work? How do their employees behave? Are they doing the right work? Are they utilizing all that the employee has to offer? If not can the employee’s position be changed to the one that fits their talent, that way we can get the best out of them?.
A lot of leaders get it wrong, they fail to realize that once a vision starts taking shape it gets diluted the more people you have, and you may end up alienating some people unintentionally and in a way that’s good because it shows growth. But once that happens, things change pretty fast and some of the people in the current community may feel left out.
A leader needs to be constantly learning how to be a great leader by tuning in to their people’s need. Always remember these three things below as you build your business and work with clients, because no one can survive without them.
Simon believes in starting with “Why”; that “Together is Better” and that “Great Leaders Eat Last”, funny thing is these are all titles of books he’s written. He believes Leaders are responsible for their people, and not the job their people do. He understands that there are so many external issues that keep a good worker down and that adding to it in the form of a boss who does not care about you as a person or your life outside work is a recipe for failure. That leaders are not responsible for results, you know the product… the people who work, under them are responsible for that. A leader’s job is responsibility for those that they directly supervise.
Conclusively; all people want a connection, to be part of a community, an environment where they can share their own value be it at home, work, school. An environment of trust, clear communication and care. As an employee, they want to produce their best work for you (always remember that) and with you and they want to be excited about your vision as much as you are too. As a leader foster a common beliefs and values in your organization. A company with a mission and vision without all the above – will have employees that are just that “employees”, if they do not change the environment. Like its counterpart “love”; “work”, thrives on endorphins and once the initial high wears off; leaders need to re-encourage and nurture that belief in their people again, that’s what “Leadership” is about.
Quotes – from some of Simon’s YouTube interviews
Efficiency and innovation do not go hand in hand.
Give me something to believe in.
The morale of all employees is caught from the top; leaders listen and anticipate their Peoples need, before it is needed.
Leaders are responsible for their people and not the results (i.e. numbers) they get from their people.
~ Simon Sinek
Simon O. Sinek, an author, speaker, and consultant who writes on leadership and management. He joined the RAND Corporation in 2010 as an adjunct staff member, where he advises on matters of military innovation and planning. He is known for popularizing the concepts of “the golden circle” and to “Start with Why”, described by TED as “a simple but powerful model for inspirational leadership all starting with a golden circle and the question “Why?”‘. Sinek’s first TEDx Talk on “How Great Leaders Inspire Action” is the 3rd most viewed video on TED.com.
~ Read more at
This article came out of a changed lifestyle of WATCHING each dollar when life changed.
Not all financial problems are a result of bad decisions. Some are due to life’s unplanned changes; like death, divorce, separation, moving, job loss or a retirement. But most is as a result of – having more expenses versus income coming in monthly – and or even as a result of bad financial habits picked up over the years.
One of the ways people try to balance not having enough money is to get a second job, only to be back where they started, with no money left at the end of the month. There is no guarantee that pulling two jobs will increase your income. Sometimes you will live from paycheck to paycheck with one job, and still thrive. I believe that people should live on one income if they are married and less if single.
Getting a job is not even a choice for most people, they just learn to live with what they have. A parent may not be able to work any other job if they have other responsibility e.g. (a younger child, or a physically challenged family member or an older adult parent).
Now that you created a budget and it has worked for a few weeks let’s see if we can take money out and put it in some other budget category or use it to pay off a bill or debt.
Find Money in your Grocery Shopping Budget
Since this article is about finding money in your budget up to 20%, we will be starting with (1) identifying your shopping trip pattern so we can put that money in other spending categories. (2) review last month’s bank statement, to help decide your frequency at the grocery store. This actually ends up saving you money and time.
Change your Grocery Shopping Habits
How often will you go to the GROCERY store? One of the things you need to decide on is how often you will be going to the store (weekly, bi-weekly, monthly). More time is needed upfront to prep and plan if you are a monthly shopper than for someone who will be shopping on a weekly basis. This will help you plan your driving schedule and stop unplanned grocery trips. Take a minute or more and think, so what did you decide?
Now that you’ve changed your way of shopping, let’s go save money.
THREE #3 – PLACES TO FIND MONEY
#1 – Shop from Page 1 ONLY
This is my favorite and easiest way to save, once you have your store circular you will be shopping from the first page only. I grant you permission to toss out the rest of the circular.
Your food will be purchased around that circular cover page; the first page, see Giant Food circular below, first page and only page. You will plan your menu and shopping trip around the items on the first page of the circular ONLY.
Why you may ask? There is a well-kept secret; the items listed on the first page are called “loss leaders” and are marketed to bring you into the store to lead you into buying all the other full priced items in the other pages of the circular while you are in the store.
Giant Food Circular
#2 – Use a store circular/flyer you save MONEY
When going with this option you can shop from any of the pages and are not limited to page one only. When you find 10 -15 or more minutes in your busy, and overloaded schedule and devote it to pre-planning your grocery store trip you can save up to $25 or more.
Pre-planning for grocery shopping is when you prepare your meal plan, grocery list and coupons before going to the store. For this you need the store circular/flyer to the store you will be shopping at, and of course a pen and paper.
Where can you get a Circular from?
- Saturday newspaper subscription.
- Your local grocery store, restocked at the beginning of every sales cycle and you will find they are normally placed in the front of the door as you walk in, or at the customer service desk.
- Electronically at your grocery store’s website.
#3 – Use COUPONS:
Coupons are like money, but really are codes that are in paper form and have an expiration date. You get them from your weekly paper, mostly with the weekend paper or sometimes with Saturday paper. From the manufacturer’s website and you may also find them online – facebook, instagram, twitter, pinterest or at fairs and store events and promotions.
Coupons are tendered mostly at times of purchase sometimes you can return within a few days to still get the discount. Once tendered it reduces the amount of cash you pay at the store. Coupons can range from as little as $.10 to as much as $20; it all depends on the manufacturer of the product and if it is a product that is new, so they are promoting it or well-known and just helping loyal customers out.
Change Watch: Let us know how this worked out.
You need a budget and working on your budget is a continuous journey, and don’t I know it.
We live in a world of social media, were being a financial advocate is not new; Suzie Orman, Crown Financial, Focus on the Family, Clark Howard all people I listened to either on the radio or TV in the good years before the recession of 2008. Many of us due to that event, or as a passion project pursuit are now entrepreneurs in the financial literacy field creating and advocating awareness. We are doing what Susie Orman and others do and have done for years and we are damn good at it too, just like they are.
Go Passion! Go Hustle.
Entrepreneurship is not new; there have always been business owners who were entrepreneurs, the convenience store owner, the hairstylist and even some of our dentist and doctors to name a few. Back to Suzie Orman all the other awesome financial experts; they were the voices I would later turn to as I immersed myself into understanding my finances more, as a result of my changed life. And thus began my mission of building economic security through debt freedom.
My budgeting journey started in 2006, with a living downgrade, to a 2 bedroom apartment with my kids in tow. I took with me the debt from life as a married couple, I started my single mom on “one income family” journey and my finances has been a continuous balancing act.
When did your budget journey start? Are you aware that we must be economically stable and strive if possible to build assets, not just for today but for generations to come.
In 2016, I’m fully committed to the work needed for financial freedom, and understanding that a side hustle will do that for me and help me boost the deficit that child support does not cover.
Changes happen and to good people too; if you think they won’t happen to you, then you are naïve. Don’t be like Gloria, be Smart. Even the bible tells us 1 Timothy 6-17.… Crisis and changes… are all uncertainty; but in all God remains our certainty, we see that things can come and go but our God remains the same.
A budget is a plan for spending money. To create a budget; a good place to start would be to check what you spent the prior month, and whatever that amount is, is the start of your new budget. If you have spent more than you should then you should not be using what you spent last month as the starting point. This may lead to an exaggerated spending plan and it won’t be a realistic place to start; if you can relate let’s start with an averaged out spending of your last 2 or 3 month.
Are you confused already? Budgets – averages, 2-3 months prior??? If this is you!!! Then you need a zero based budget, meaning that you my dear need to budget afresh at the beginning of every month.
List all your income, expenses and debt including irregular income like dividends, bonuses and child support in a separate category of income and remember not to base your monthly expenses on them.
Concerning your grocery category, it should always include; Paper goods, Laundry supplies, School lunch for kids, and eating out. If unclear about your $0 budget for grocery, you need to check the federal guidelines; click below link for guideline set by United States Department of Agriculture (USDA) http://www.cnpp.usda.gov/sites/default/files/CostofFoodFeb2015.pdf
My family of four on the LOW COST PLAN monthly budget will be spending at least $725.00 monthly, find were you fit in the schedule and see what your family plan cost should be and work from that amount as you plan your shopping.
Here are five basic needs category to focus on.
Ways to save on basic budget needs
Food – Use coupons, Shop loss leader page, buy store brands. You may need to visit the food pantry for non-perishable foods.
Shelter – Inquire about discount programs through your employer or state programs. Research locations always and compare against school districts and proximity to basic places you and your family go to.
Transportation – Ask or Google discount programs through your employer may have or any federal promotions. Also remember that the winter is the best time to buy new cars. Take advantage of local buses, trains and employee benefits through employer.
Healthcare – Enroll for Health savings account with your employer and ask about state medical services you may qualify for through Obama Care. Coupons are also available for major medicines if you ask your medical doctor or pharmacist.
Clothing – Shop at consignment stores, shop semiannual sales at major department stores and visit your thrift stores. And invest in a good laundry detergent.
Change Watch –
What savings services are you trying out?