Bigger Than You

This post is inspired by my experience and 2Chainz who made that song.

Sometimes things just happen and there is nothing we can do about it. DEATH. CAR ACCIDENT. LOSS OF JOB.

The Real Plan is bigger than we can see. Maybe the death is because that person was suffering or did not listen to Gods advice to stop death to happen. Do we miss them, of course, can we bring them back, no. Car accident maybe it happened to stop a bigger worst imminent car accident further up the road. Maybe it happened to start you to thinking of other automobile opportunities. Loss of Job maybe it is to allow you to receive unemployment while your mind rest and get ready for bigger better job than the one you have.

THE REAL PLAN IS BIGGER THAN US. It is difficult but in times of trouble pray, keep getting up and trying.


When You Get Serious About Your Finances…

When you get real serious about getting your financial house in order Happy Hour and car new car payment will not be a priority. I financed a car for 4 years and paid it off in 2 years. Why because there was no way in this world I was going to be held hostage by a car note and house note (at the time). It was a Cadillac Escalade. Everyone was shocked, and the credit union was mad. I then drove it for 8 more years. CAR NOTE free. I think it was the best 8 years of my life. Lol. I drove it until the second transmission rebuilt went down and it would only go 65 miles an hour, but by then the houses were paid for and if I wanted to I could work part-time and write blogs like I am doing now. I sacrificed and suffered for 2 years but lived the dream for 8+ years. I think it was a good investment.

Ok the real question was how? I got a great deal and was in the process of building credit because at that time I had none. I paid $1100 a month for 24 months and paid the truck off early. By the 12 month the credit union was calling me weekly wanting to know did I want to refinance or need extra money. Apparently extra money was not a motivator for me because I put all my extra into paying off that truck and all bills surrounding it. THIS SENT MY CREDIT OVER THE TOP AND THAT LARGE PURCHASE IS STILL REPORTING.

STEP 1 – Got additional income. I took on another job. I taught classes in the evening. It is always my go to extra income since I finished college at 22. While in college I did nails for everyone in the building for like $10 minus designs to pay for my partying!!

STEP 2 – I took no vacation for 2 straight years. People proposed good deals and payment plans. NOPE I had my own plan. PLAN TO GET OUT OF DEBT.

STEP 3- Set a budget for everything. NO expensive wedding or birthday gifts for no one but maybe your parents, but this time go in with another sibling on their gift. Wedding gifts are just down to $10 gift cards or a bottle of inexpensive wine or on sale online wine. Find a discount warehouse. Happy hours are now potlucks at your house. No money for expensive drinks and so so food. If you have to go to the bar drink sprite plus cranberry juice and eat before you go. Happy hour is an easy $50 a pop and that is $200 a month. NOPE you cannot afford any of that while you paying off a big ticket item or just getting your finances FIT.


What Is Purpose of Emergency Fund

  1. In case you lose your job you will have enough money to live off of for 6 months. So if you have no emergency fund you have no business shopping.

  1. Car Repairs. They always come when you have no money. You must have a car in most cities to get to work to keep paying your bills. So you need money for emergency fund.

  1. Medical emergencies. Maybe not for a kidney but for co-pays for emergency surgery after an accident or deposit for braces after kid breaks teeth. Everyone mindset must change you cannot depend on the State or other parent or family to be prepared for your emergency or kid. SAVE AND KEEP SAVING.

  1. Home Fixing. There is nothing like the furnace breaking in the middle of the month and no money to keep the house warm. If your energy company offers appliance insurance I would advise everyone to get that sometimes it is only $9.95 a month.

Thank you for reading and hope that this article help you. Stay tuned for money management book release real soon!


Better Than Traditional Yogurt-Siggis

Siggis. This maybe the best yogurt I have ever had. My stomach loves it and my diabetes. The no milk fat my lactose intolerance really agrees with it. Today I ate a strawberry one and yesterday it was vanilla. My plan is to start using them when I make my smoothies to give it more of a creamy texture and high in protein content. I would recommend these to any and everyone! Oh I also added homemade granola to mine. I like a crunch in my yogurt without all the sugar from traditional granola bars.


Friday Financial Fitness #10 Be Thankful For The Fortune


We made it to Week #10 the Finish Line . Take a minute and look back and see in these ten weeks did you minimally gain some knowledge. Did you at least apply 1 principle? Well then be thankful for that fortune. Look at the rest of the aspects of your life: family, children, job and health. If you are at 85% in each of those categories be thankful. There are millions of people with problems in all of those areas. If you are lacking in any aspect of those 4 areas, work on them. That is the best you can do. Do not ignore them-work on them. Work on educating the children and other family on financial responsibility -start there. That will be forefilling and help to make sure everyone in your life understand what you are doing. They may want to join in or motivate you as well. Thank you and good luck on your financial fitness journey. Comment below or ask any questions.

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Photo by Lance Grandahl on Unsplash

Until Debt Do Us Part

The Key to Credit Repair or Maintenance is PATIENCE

It is just one you and 3 credit reporting agencies against you with a large support staff. I view it as Me vs. Credit Reporting Agencies. They do not get paid by me they are paid by the companies who report to them or the government, so they have no vested interest in me minus the idea of accuracy.

It can become very frustrating correcting and updating your credit report. But remember to start your own filing system for each agency and a timeline on the computer that tells you expiration dates on correspondence or demands that you are sending agencies and your creditors.

If you are thinking of financing a house or another BIG TICKETitem or just want to be on the right financial track, think of managing your credit as a part time job with full time credit worthiness return😊


If you have any questions on credit monitoring or agency communication just let me know. I worked against and with the agency for people who scores had dropped because they got A FRESH START.