DEBT DIET

Have you ever heard the say; you can wonder into debt but, you can’t wonder out?

Well! Getting out of debt is like going on a diet—it may sound simple, but it sure isn’t easy. The only thing that really works is to spend less and save more.

Debt doesn’t benefit nobody, it doesn’t benefit your life, it doesn’t benefit a marriage or a family or your future. Just as in the past few years I’ve experienced the satisfaction of being fitted, I have also eexperienced the pain of being overweight. It has been a rollercoaster and emotionally draining! Is so much alike that debt also has its consequences. Here are a few reasons I think everyone should avoid debt:

  1. Debt makes you a slave/servant to your lender.
  2. Debt steals from your future.
  3. Debt hinders/makes it impossible sharing with others and practicing generosity.
  4. Debt erodes resources through high interest payments.
  5. Debt promotes impulse buying.
  6. Debt is like money leaking from your pocket or bank account
  7. Debt compromises your retirement
  8. Debt is like having winter all year round
  9. Debt controls your money not you.
  10. Debt is NOT sexy.


The number one thing we recommend to start you on a debt diet is having a game plan.

My amazing husband, Anuar, and I have experienced the incredible miracle of being freed from $47,000 in consumer debt. We purposed to get out of debt and made immediate changes in our lifestyle to accomplish this, and within two years we were debt free! Funny thing is, like I said; you can wonder into debt or even sometimes debt can creep up on you. Murphy has a way to make his way. No, sometimes you’re not even looking to getting into debt but, I guarantee you, if you don’t always have a plan for your money someone else will. We made up our minds, made a decision, prayed for God’s help, and found the strength we needed keep the commitment to become and stay debt free. Thus, the first step is to decide to become debt free and determine to do it God’s way. Read, how to payoff debt with a low income

Get on a budget.

We cannot stress this enough! We have tons of resources and ideas available here on our blog to help you with this, feel free to explore around and get in touch with us let us know how we can help and serve you best!

Write down your debt on paper from smallest to largest. Make a chart with the amount you owe on it, add to your monthly budget the amount you’re planning to pay each month, once you have processed that payment go back to your chart and make the changes.

We believe that following a regime will help you stay in charge but, more importantly will help you get out of debt a lot sooner. Read, the silliest thing I did to payoff debt.

What other plans have you implemented to get out of debt?

Have you ever been on a debt diet before?

leave us a comment or connect with us we would love to hear from you.

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5 Simple Ways to Jumpstart Your Funances

Sometimes we feel like our finances are on life support. I know! I been there. It seems like there’s little hope of the situation improving, I want to provide you a little ray of sunshine by showing you 5 easy ways to Jumpstart your finances.

  1. Start Giving More

I know what you are thinking, how can you jumpstart your finances by giving your money away!  Trust me this step is by far the most important and Truth be told, getting onto a healthier path with your finances has less to do with knowing what to do and more with doing what you know.  If you truly believe that God is able to provide for your needs, then you acknowledge that by giving back to God.  If you truly believe it is better to give than to receive, once again, you demonstrate that by giving to others that are less fortunate.  Your money attitudes are crucial so by learning to give first, you will have no choice but to learn to live on less and that is the cornerstone of personal finance. 

       2. Start Tracking Your Spending

There is no secret that people who don’t run out of money at the end of the month are the ones who spend less than they make.  Keeping a spending journal for two weeks can really make a big difference in your spending patterns.  I think most of us know how much we make; the problem is that many of us have no idea exactly what we are spending each week.  If you want to spend less so you can save more and pay off debt, you must know what you are spending your money on and then decide what expenditures you can eliminate or reduce.  Consider using cash for two weeks instead of using your credit cards or debit card.  I have heard that it hurts to break a $20, so maybe using cash can help you to start spending less of your hard earned money.

        3. Start Knocking Out Your Debt

Don’t be one of those people who justify their debt by thinking that as long as you can afford to make the minimum payments on your credit card you are ok.  You must start paying more toward your debt which will reduce the amount of interest you will pay over the life of that debt.  Also by paying more towards your debt, you will be able to pay that debt off faster so you can start putting that money towards your savings and start earning interest instead of paying interest.  Finally, do not be afraid to call your credit card company to negotiate a lower interest rate.  The worse that can happen is that they say no!

    4. Start Saving, Start Saving, Start saving

Between making excuses, having good intentions, or just breaking the promises we make to ourselves, it’s easy to understand how we oftentimes fall short of achieving our goals, but we have to start saving money now!  For our short term savings, consider opening a savings account at a financial institution different from where your checking account is (to make it a little harder to get to) and set up a bill pay or draft where you pay yourself each month before you pay any other bills.  In addition, start putting money away towards retirement because retirement isn’t a question of if, it is a question of when.  If your company offers a match where they will contribute a certain percentage of pay if you are setting aside some of you earnings into a company plan, you are leaving money on the table by not taking full advantage of this benefit.  For example, if your company will match $.50 of every dollar you set aside into your 401k up to 5% of your salary, by putting anything less than 5%, you are basically saying no to free money.  The last simple tip when it comes to saving is this:  saving something is better than saving nothing and whatever you have been saving, start saving more

   5. Do it again

One way of improving and keeping yourself accountable, is by constantly checking your commitment to progress. Don’t and I mean don’t ever relax to the point where you think you got this and you will stay the course, often times when we get used to a way of doing things we relax and forget to stay consistent, and sometimes we even do not see the big deal until we find ourselves in the same or worse situation. Make it a life commitment to give more, spend less, pay off debt and if possible stay out of debt! Remember what the Bible says: the borrower is a slave to the lender. Keep out of debt! Save, save, save, save and finally do it all over again, do it again.

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Hurricane Harvey: What About Insurance? Your Questions Answered

Like most people across the country and the world, here in Texas we’re overwhelmed by the devastation left to us by Hurricane Harvey. It is a true nightmare, it is heart breaking and really unexplainable this is a real tragedy and the only thing left is the comfort of prayers trusting God, loving, helping, and understanding each other. 

If you or a loved one were directly impacted by Harvey, you likely have an onslaught of pressing questions on your mind right now as we finally see the sun out today providing relieve, many of us if not all us. Felt a very special appreciation for the sun today, and woke up wanting to take action, trying to see what’s been of our homes and how to get as close as back to normal as possible, but really just the blessing of having what feels like a new normal sunny day. After what felf like a forever Hurricane and bad weather everything from flood insurance to disaster relief efforts. We’re here to walk with you and help answer a few of the questions you might have:

Is flooding covered by normal home owner’s insurance ?

No, because floods are considered separate from hurricane damage, you need specific flood insurance to cover it. Wind damage is covered through homeowners insurance, but any water damage is not. Flood insurance is provided through the federal government with The National Flood Insurance Program. You are required to purchase it if you live inside a flood zone. Unfortunately, most of the city of Houston isn’t considered to be in a flood zone area. But be sure to check with your insurance company. Depending on the nature of damage to your house, you could be partially covered.

How do I file a flood claim?

Step 1: Notify your insurance company

First, you need to let your insurance company know you’ve experienced flood damage. This will get the process started for you. Ideally, the sooner you contact them, the sooner you should receive your claim check. Make sure you have your policy number and contact info handy when you give them a call.

Step 2: Document all the damage

You need to take pictures of all the property that was damaged. This should include structural damage, standing floodwaters, and objects that were ruined. Be sure to make a list of all items with as much information you can provide, like estimated item value, date of purchase, and any receipts you may still have on hand.

Step 3: Provide a Proof of Loss statement

The Proof of Loss is your signed and sworn statement that provides documentation of the damage to your possessions and home. You need to file Proof of Loss documentation with your insurance company within 60 days. Your adjuster will help you with this process.

What can I do if I don’t have flood insurance?

You can apply for federal disaster relief benefits, but those come in the form of low interest loans—which we do not recommend. This is exactly why having an emergency fund is so essential. It puts a buffer between you and the curve balls life can throw at you. If you have an emergency fund in place, now is the right time to use it.

Are banks offering forbearance programs for mortgage holders who are flood victims?

Honestly, it depends on the bank. For example, if you are impacted by a natural disaster, Wells Fargo will suspend negative reporting to credit bureaus and won’t charge you late fees. Customers who contact them can get disaster relief and postpone their payments.(1) Only do this if you absolutely can’t make it work any other way. There is no need to dig a hole financially if you can avoid it.

Does the Red Cross charge for their services?

This is completely false. The shelters and services Red Cross provides are free.

I’ve been told to file homeowner’s insurance claims before Friday, September 1, because of a law that is about to change—is this true?

This law only applies to people filing a lawsuit against their insurance company, so it doesn’t affect the majority of Texans. Plus, the law only relates to private insurance companies, while flood insurance is generally provided by the government.

Here’s How You Can Help!

Volunteers from all over the country are descending upon Southeast Texas to lend a hand. If you’re able to help by volunteering on the ground, please do. But even if you don’t live near the area, you can still help those in need through donating to the relief efforts.

Samaritan’s Purse

You can volunteer your time or donate money through the aid of Samaritan’s Purse.

Salvation Army

You can also send a donation through the Salvation Army.

Local Churches

Crosspoint Church — Pearland, Texas
Make a donation through the church here.

Red Cross

Donate funds through the Red Cross as they help families affected by Hurricane Harvey.

Red Cross Shelters

Are you in need of safe housing during this time? These shelters across the Southeast Texas area provide a place to sleep, meals, water, and health services for free. Pets are welcome too! No reservation is needed to stay. Find a local Red Cross shelter here.

The need in Southeast Texas will be vast, even after the media attention has subsided. Consider donating to local shelters and food banks that will continue to bring aid to the area in the weeks and months to come.

Don’t Mess With Texas

“Man never made any material as resilient as the human spirit.” — Bern Williams

Despite the circumstances of today, we always have hope to cling to for tomorrow. Although you may be experiencing the harsh impacts of Hurricane Harvey, it cannot defeat the structure that makes up your human spirit. We love, stand, and pray for Texas.


What other insurance related questions do you have? Leave us a comment or connect with us we would love to hear from you.

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3 Money Myths You Need To Ignore.

There is no shortage of bad information out there – and falling for some of it can cost you money. It could be other people who steer you in the wrong direction, or it could be the things you tell yourself. Whatever the source, believing these myths could be hazardous to your financial health. Not knowing truth doesn’t make it any better, in fact ignorance isn’t bliss! Ignorance is poberty. Our goal is to encourage you to get the truth behind these bits of financial misinformation. The following are three basic very common money myths.

Myth 1 – I don’t need a savings account because I have a credit card.

This is a surefire way to get into debt. A savings account is crucial because you can’t always plan for emergencies and the unexpected in life. Instead of charging medical costs, car repairs, and home improvements on your credit card, dip into your nest egg of cash and avoid debt altogether. The Bible doesn’t prohibit borrowing, but it does discourage it. Read The Secret to Saving Money

Myth 2 – I don’t need to pay my credit card off in full every month because I am building my credit.

This is a very common myth – that credit card companies want to see your ability to pay off balances steadily and over time. But this actually doesn’t do anything for your credit score! It just prolongs the amount of time you’re in debt and the amount of interest you are paying. If you use a credit card for cash back rewards or airline miles points, pay it off in full every single month. Commit to not be in debt, even if it’s for a short period of time. Read The Silliest Thing I did to Payoff Debt

Myth 3 – I don’t make enough money to have a budget.

You should have a budget no matter how much money you make. But if you live paycheck to paycheck or find that money is tight, it will be even more vital for you to stick to a budget. A budget allows you to know exactly where all your money is going so you can control it, instead of it controlling you. Read Budgets Are Designed to Help You.

What are some common money myths you’ve heard or known over the years?

Can you relate any aspect of this post to your current situation?

leave us a comment or connect with us we would love to hear from you.

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Three Behavioral Traits That Show Your Bugdget Needs a Fresh Start

Because many times people can get emotional about money, it is easy to make plans for the month on paper but, the minute one gets the money to do what is written on paper we forget and go back to the same unorganized ways of doing things.

If there’s an area to be discipline in our lives, is our finances. When we hurt financially, it is at times difficult to perform and even of greater difficulty to be the blessing God called us to be.

Keep in mind that scripture tells us the reason for possesions.

I cannot stress enough the importance of discipline with a budget and the ability to be good stewards. God is trusting us with little things let us be Faithful.

Your budget needs a fresh start

1. If you are not giving off the top.

If you want to get results with your money, you have to give. It’s as simple as that. When you give off the top of a well-managed budget, you may be surprised to find living on less can actually feel like you have more. That’s because managed money works harder. Charitable givingshould always be the first line on your monthly budget. Read Giving

2. If you are spending too much in one cathegory

Are you spending half your budget on takeout? Straighten out your spending by giving each budgeted category a specific percentage. Remember we recommend 10–15% for food , 25–35% on housing, 10–15% in savings, and 10–15% on charitable giving. And make sure your entire monthly budget—including clothing, transportation, insurance and entertainment—equals 100%. No matter what! We show you exactly how to do this on our Teachable online course you can access it here

3. If you are using the same budget every month.

Because there’s no such thing as “the perfect month,” a one-size-fits-all budget won’t cut it. You have to make a new budget every single month. It’s fine to look at last month’s budget for direction, but expenses change with the seasons. Set aside a specific time to review and revise your budget before the month begins and stop expecting an old plan to work for new expenses. Having good intentions with your money is a step in the right direction, but it won’t get you far. Reevaluate your budget and fix the areas that aren’t working. It’s never too late for a fresh start. Read budget

If you’re not sure where to start with zero-based budgeting or how to manage your money, check out our website www.redtogreeneconomy.com we got a lot of resources to help you.

Also, please stay in contact with us, you can find us here:

Yadira Lino Castro

Financial Wellness Consultant Facebook: https://www.facebook.com/ylino

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MONEY & MARRIAGE – MARRIAGE & MONEY

Marriage And Money Challenges. Experts agree that finances can be the number one cause of marital strain. It’s understandable that financial struggles can cause strain because how people spend money is never just about the money — it reveals attitudes about what you value most; it reveals deeper character issues. These are some of the reasons blending financial habits can be very challenging.

Marriage can be what a couple decides it can be, there’s always the notion of differences in marriage for example in marriage one spouse can be a saver and the other one a spender, or maybe both spouses are savers, maybe both are spenders! Whatever the case may be There is hope! In this post, our goal is to provide great ideas to help you and your spouse make your marriage stronger by tackling the issue of money management in marriage.

MONEY MANAGEMENT STYLES A HUGE PIECE OF THE PUZZLE IS THE DIFERENCE IN MONEY MANAGEMENT STYLES.

It’s easy to forget that marriage is a commitment to forge a new life with another person. The lack of trust emerging from society has created prenuptial agreements and separate bank accounts in many marriages. These undermine the commitment to a shared life with a spouse and are contrary to biblical teachings. In marriage is not his money or her money. It is our money. Whenever financial issues begin to get out of hand in a marriage, the first thing to do is to pray about them. And in fact prayer should be a style of living we’re not getting into a sermon here but, life in marriage is easier when there is prayer involve. My husband and I pray about pretty much everything, specially when we are talking money and there is decision making involve. When we have to use money for something that’s not in our budget, we both pray overnight and by morning the next day we both are ready to make a move. Weather we decided to use our money or not. There is no substitute for God’s answer though. If prayer, time, and communication cannot help you then you might need help from a marriage counselor, which is usually recommended even before your marriage life begins. My husband and I went for counseling with my pastor before our marriage, he asked some great questions, gave us some great examples and advices that we still live by even to this day. So, don’t think that you only need a counselor when there’s a problem no, it is a blessing and a great idea to see one even before your life journey together begins. Find a counselor who is trained to help couples resolve issues diplomatically. The difference in money management styles:

1. The Morphostatic Style. These are people oriented to the present. They buy what they want now and don’t wait for a sale or even evaluate whether particular purchase is necessary. The Morphostatic style have inflexible standards—they simply want the best. They also tend to be fairly conventional in their buying and planning, operating by a set of rules it is the way they’ve always done it and as far as they’re concerned it is they way it’s going to be.

2. The Morphogenic Style, These are flexible people, wanting as many people as possible involved in the purchasing process. A Morphogenic person usually considers all of the possible consequences involved in a particular decision and takes considerable time to reach a conclusion. What happens when these different types marry? It isn’t hard to imagine some of the fights that could develop around financial issues.

Kim is tired, . She had no idea Tony mismanaged his money carelessly, he brought that behavior with him into their marriage. The debt, from student loans, to credit card, car note, and now his sport events. She didn’t know his needs and desires in marriage would be such a challenge. She and her husband had overcome many challenges, but their greatest ongoing problems surrounded money. Her spouse was a spender, she was a saver; she liked to balance the checkbook to the last penny, her husband hadn’t entered anything in the register in years. The result was numerous volatile eruptions and conflict that both she and her spouse wanted to avoid. It shouldn’t have been a surprise. Had they communicated and have a budget committee meeting monthly. The good is, they’re now taking the time to sit down and like we said before there is hope. Read budgets read budgets you may also want to read emergency fundsemergency funds plus our bonus FREE Online ClassesFREE Online Classes

Budget Committee Meeting Dave Ramsey THE SECOND PIECE TO THE PUZZLE LEARNING TO COMMUNICATE.

The concept of a budget committee meeting comes from Dave Ramsey, the goal is that both spouses put their differences aside and adopt a new set of values to improve and benefit their money management skills and marriage relationship. when couples learn to agree on their money and are determined not to let it drive them apart, they form a unity that is crucial for a successful marriage. The challenge in a marriage is to work through the different identities, ideals and values you each bring to the relationship. You win at marriage by losing your need to get your way in every battle. You get a happy marriage by giving up selfish desires in order to win together—you create shared visions and goals out of your own individual goals! The budget committee meeting also indicates that both spouses will share mutual interest towards their money therefore they both will value and respect each others input and ideas. t’s important that both spouses be involved with creating the monthly budget. The partner with the natural gift can prepare the budget, but the decision-making must be done by both of you. When you sit down with your spouse to have a budget committee meeting, there are three rules that each of you must follow. Rules for the nerd :Listen take input Keep it brief rules for the free spirit: Show up give input be realistic. Remember that opposites tend to attract in marriage, so work together for maximum wisdom. When you have a budget that reflects both of your goals and ideals, you will experience fabulous unity in your marriage. Dave’s powerful class, Financial Peace University, we highly recommend it is perfect for couples to strengthen their communication about money—even if they’re not in debt. Dave even focuses an entire lesson on how we relate with money in different ways. My husband and I have been through FPU it is a great tool that teaches you how to be better stewards of God’s blessings and how to handle money God’s way. When You Sit To Talk About Money:

• FIND COMMON GROUND Be willing to show empathy, be understandable, open minded and none judgmental or critical about your spouse or what happen in the past. You’re starting a new chapter in your lives you both should be willing to look forward to what’s ahead a what the future holds in store for you as a married couple.

• MAKE TIME TO TALK Don’t wait until your credit card is way over the limit and the ridiculous interest percentages blow over the roof or another hot financial issue happens to bring up the subject. The goal is to have a calm relaxed discussion when there’s no particular money issue at hand.

• TALK ABOUT YOUR FEELINGS Volunteer your own feelings about a financial issue men often have the inner pressure to be the providers at home, and the only thing they expect from their wife is respect. As a woman know how to talk to your husband with respect but also have or seek the wisdom and honestly share your hearth and how you truly feel with your husband and encourage him to do the same.

Women are often seeking a sense of security. I cannot describe in words, there isn’t enough words to express how I feel about not having enough to cover basic things. Money isn’t everything for a woman, but not having it can be a very stressful situation. When you get your money at the end of the month and are ready to work on the next month budget we suggest you first give God what is his, pay your tithes and use a percentage of your money to pay yourself before you pay anyone else. If paying yourself 10% of your income at first is too much, choose a reasonable percentage but do it, pay yourself first and get in that habit. After you have give God his portion and you have pay yourself cover your four walls. (Housing, food, utilities, and transportation) after you took care of your family needs pay everyone else. If you are deep in debt or maybe just in debt period follow our recommended debt pay off method check our website www.redtogreeneconomy.com for more information.

Share your thoughts with us. How do you relate topic?

Yadira Lino Castro Financial Wellness Consultant www.redtogreeneconomy.com You Can Find Us Here: Facebook: https://www.facebook.com/ylino Instagram: @lala_ag Pinterest: @yadiz08 WordPress: @yadiz08 Skype: @yadiz08_1 Linkedin: Yadira Blessed Lino Castro Youtube: https://www.youtube.com/user/godsweetgirl

FREE Online Personal Finance Class

FREE Personal Finance classes with me! Our awesome community partner @hamptoninn from Perland Tx. Is sponsoring a five weeks The Power of Your Personal Finance course with me and written by us @ Red to Green Economy. Space is limited and spots are filling up VERY QUICKLY, so don’t hesitate to RSVP! YOU CAN CONTACT US AND SIGN UP FOR THIS FREE SERIES HERE www.redtogreeneconomy.com/contact Sign – up rules you have not taken this online series with us before. By signing up you agree to finish this course. Sessions will be held on Thursdays 6:00 -7pm

You might or you might have not seen this announcement on all our social media networks.

We’re beyond excited to share this wonderful news with you, our first class is tomorrow Thursday July 27th 2017.

There are still 5 spots available contact us for info at www.redtogreeneconomy.com/contact

In this course you will receive:

1. A FREE copy of our own Red to Green Economy E-book available @ Barnes & Noble or on our website @ www.redtogreeneconomy.com/shop for only $8.00

2. A FREE copy of our Red to Green Economy Worksheets Kit also available at our website for only $5.00

3. A FREE copy of our Teachable Online course The Power Of Your Personal Finance also available on our website @ www.redtogreeneconomy.com/services

In this course you will learn how to interact with your money and how to use it for your advantage. This is a step by step guide that will provide you the necessary tools to understand the power of personal finances. our main goal is to put you in charge and help you win with your money by setting achievable goals by creating a budget that works for you , we are with you every step of the way. $15.00

4. Five FREE consultation sessions with me each value on $65.00 our consultation service consist of:

Helping you come up with the perfect plan to get you back on track financially and help you devise a clear easily workable method to tackle your debt. In a typical Red to Green Economy Consultation, we will: Help you create a household budget and teach you the tools you need to help you adhere to that budget.Help you find extra money you did not know you had when you work your budget.Teach you the different debt payoff plans and help you identify which one works best for you.Help you set short term and long term financial goals and help you plan out how you are going to achieve each of themHelp you to identify areas in your finances where you may be weak and teach and motivate you to make small changes that will help you to become stronger.Help you understand the importance of accountability in order to win with your moneyAnswer any financial questions you may have that lie within our expertise. Each Consultation comes with two 1-hour sessions. For those that are outside of Houston, this will be a virtual Consultations via (Face Time, WhatsAap, imo, Google Hangouts, or Skype).

5. An invitation to our private Fabook group where you will meet our growing community people that are in the same journey as you to better their finance.

6. A friend and accountability partner, it is my desire and asignment to help you bring out of you and find your purpose in life.

How can we serve you best?

We’re grateful for our sponsor and community partners @ Hampton Inn by hilton from Prrland Tx

For info and for RSVP www.redtogreeneconomy.com/contact