3 Things to Say to Yourself About Money


Our internal language is extremely powerful! If we internalize that we are NOT good at math, sports, cooking, etc. then we will NOT succeed in these areas. However, if we simply note we are not the BEST and are willing to get better, we will take steps to improve. Focusing on money, many times we jacked up our credit in our early adulthood, after a divorce or when you or a loved one was terminally ill or had an expensive medical emergency. (Note: I have never heard of an inexpensive medical emergency.) This can lead us to believe we can NOT improve our financial circumstances. I can absolutely tell you this isn’t true. Changing what you say to yourself can improve your relationship with money.

1. I can create a budget I can live by!

Budgets are not a bad word. You can create a budget that fits your lifestyle. The importance of a budget is to inform you when you are NOT living below your means. It’s simply an organizational tool for your money. If you don’t like your budget then change your budget…EASY!

2. I can SAVE money!

Saving can seem very difficult when you don’t have an accurate account of where your dollars are going. It is important to have a budget so you can track your money. Your budget should be set-up so that you pay yourself first and cover your living expenses.

3. I am more than my DEBT!

The debt you have may seem insurmountable. But like most things in life, you probably didn’t accumulate your debt overnight. It may have taken you 3 years, 10 years or 20 years. You look around and you may not have much to account for the amount of debt you have accumulated. Best believe YOU are MORE than you debt. While your debt is a dollar amount your worth is PRICELESS! You have dreams, hopes, aspirations and achievements. You are MORE than your debt.

Changing your invoice to speak positively is pivotal to improving your finances or any other aspect of your life. Once you make the switch changing your habits will become easier overtime. Don’t give up and don’t give in!


5 Tips To Keep Black Friday From Becoming Your Financial Nightmare

Gifts wrapped in reindeer printed wrapping paper under a Christmas tree.

In the United States, the holiday of Thanksgiving starts major retail shopping until Christmas. Many people fall into this spend, spend, spend trap every year. Then after all the lights, velvet, food and music are gone they are left with a financial nightmare! These are a few tips to keep you financially focused during the holiday shopping season.

#1 – Do NOT USE A CREDIT CARD! Yes I know you didn’t save any money for gifts this year because Christmas, Thanksgiving and black Friday were all re-scheduled. *blank stare* You are probably still paying off Christmas gifts from last year if not two years ago. Don’t use a credit card.

#2 – Go with a LIST! Yes a list! This list should include who the gift is for, the exact description (including size), price, store and coupons/discounts/price matching. If it is NOT on your list it does NOT exist.

#3 – Only buy a gift with a particular person in mind. Why? You are NOT to buy anything because it’s such a GREAT PRICE. Yes you will forget to get someone a gift. Oh well just wish them an extra Merry Christmas.

#4 – Only CASH! This does not mean use your debit card. You must go to the bank or ATM to get cash. Once all the cash you have is GONE, you are to go home. Oh I know there are so many great deals you didn’t buy. *shoulder shrug*

#5 – If the only cash in your account is for bills and not gifts. Instead, stay at home. Please don’t spend your money on what you want and then beg for what you need i.e. rent money, electric/gas bill paid or even food. Instead, repurpose items you already own, make gifts and you can even give out COUPONS. Yes COUPONS for (2) hours of yardwork, (1) hour of babysitting, (1) hour of painting, etc.

Be creative, have fun and better yet, don’t spend money you don’t have!

Have a Happy Thanksgiving!

My 1st Step To Entrepreneurship – BECOMING DEBT FREE

 Woman Earth Globe White Short Outdoors Water ReflectionI’ve known for years that I would be an entrepreneur. But I didn’t know what business I wanted to start. In 2010, I fell in love with a business idea and started my journey to entrepreneurship. My first step was getting rid of my debt.

Why did I have being debt free as my first step to entrepreneurship? There were 3 main reasons:

  • EXCUSES: I would eliminate the primary excuse as to why NOT to start a business: “I can’t afford to leave my full-time job because I have bills to pay.” The only bills I have to pay are living expenses.
  • FREEDOM: I would be free of obligation to any institution for debt I had incurred. It is truly a relief to be debt free.
  • MIND SHIFT: Because I am debt free and under less stress to pay off my debt, I have much more clarity to see my dreams being accomplished. What I would have previously seen as insurmountable and stupid, is now a possibility that I’m more willing and open to discuss.
  • BONUS – ENERGY: While you may not believe it, I have so much more energy because a burden has been lifted off my shoulders …NO DEBT!

What are some changes I made to get here?

  • I no longer own a television. So no cable here. I do have internet, Hulu and Amazon Prime. Savings $60/month.
  • I don’t buy clothing nearly as often as I used to just 5 years ago. Savings $150/month.
  • My dining out has significantly decreased. Do I still dine out? Yes I do but no more $30 checks more than once every 2 months. $250/month
  • My beauty regiment has drastically changed. I haven’t seen a hair stylist in 6 months. Wherein before I was in the salon every 6 weeks. $80/month
  • I use cash as much as possible.

What will be  or was your first step to entrepreneurship?

10 Southern Holiday Tips

Woman Holding Christmas Cookies in a Cookie Tin

Some of you will be traveling to the south for the holidays. Like any place, there are differences in how we talk, drive and live. But we are people just like you. Here are a few tips for you to remain SANE during your holidays down south.


  1. If you have the need to ask what’s in it do NOT do it. Instead, say “It gives me really bad gas.”
  2. If a bottle of a liquid substance is being passed around and there is NOT a label on it, do NOT *I repeat* do NOT drink  anything from that bottle. You ain’t ready.
  3. All dishes will have MEAT in them. If you are a vegetarian, don’t travel down south. Fat back, bacon and bacon grease is used to cook ALL vegetables.  Ok I lied, sometimes neck bones, ham hock and a ham bone are used instead.


  1. If you are driving your personal vehicle down south with a FRONT plate on your vehicle, leave it at home. Rent a car instead.
  2. Since you refuse to trust me about #4, do NOT speed with a front plate on your car.
  3. Since you didn’t listen to #4 or #5, be polite when the officer asks for your license and registration. Call him sir, say Happy Thanksgiving or Merry Christmas.
  4. Next time just follow #4 and #5.


  1. “Ya’ll” is singular . “All y’all” is plural.
  2. If you hear “Bless your heart” you have been called an idiot.
  3. “Fixin’” does not mean to repair. It means preparing to do something.

Hopefully these southern tips will make your holiday experience down south more enjoyable.

Happy Thanksgiving and Merry Christmas!

5 Money Tips From A 6 Year Old Boy

My 6 year old nephew is my nerd mini-me. He is very observant, inquisitive and strategic. However, at times, he gives up too quickly if a situation is not as easy as he thought. Recently, his strategic side overtook his quit easily side.

Last week, my sister took her children to Target. While in the store they went into the toy section. Of course my nephew fell in love with a new shiny toy. But what happened next made me especially PROUD.Little Boy with Arms Up in Arm

He looks at the toy then checks the price. The toy cost $29.99. He asks his mom, my sister, if she had money to buy him the toy immediately. Does this sound familiar? She does as she always does and tells him, “Son, I don’t have money for that today.” Well like any kid who so desires a new shiny toy, my nephew starts pondering ways to pay for it. His thought process and rationale are those of a financially focused adult.

#1: Cost Cutting Method – Not discouraged, my nephew turns to my niece. He says “Mom spent that amount on us to eat out last night. We should have bought wings, cooked them and eaten at home.” If you can’t make more money to get the things you need and want, find ways to cut your expenses to afford them. My nephew is willing to cutout dining out…except on his birthday.

#2: Savings – My nephew then turns to his mom and request they go home immediately so he can count the money in his piggy bank. His piggy bank was about $20 too short to buy the new toy. Saving for the things you want is important.

#3: Delay of gratification – My sister asks my nephew if he is going to ask his aunt to purchase the toy for him since he doesn’t have enough money. He says “No. I’ll wait for Christmas.” If something is NOT a necessity then you can WAIT to get it.

#4: Earn Money – My nephew decided he could make money to buy the toy. He inquired about a “game” my mom played with my niece. For every 3 sentences he writes, my nephew earns a dollar. Too bad for him my mom lives an hour away so he won’t be collecting his cash anytime soon.

#5: Don’t Give Up – My nephew never gave up! He knew there was a solution to his quest to get that new shiny toy. Find the tenacity to get what you want without going into debt.

I’m so proud of my 6 year old nephew. I wonder who is going to buy the toy for him because if he is like me that money he earns will sit in his piggy bank…LOL

Just in case you didn’t notice, children pay close attention to adult behaviors!