10 REASONS TO BECOME A DIY HERO


 

I gave a lot of thought to this topic mainly because up until a few months ago I wasn’t your type of DIY (Do It Yourself) gal. Like must people I thought the chances of screwing things up we’re not worth the hassle besides why invest time and energy trying to do things I never did before? I thought just call the pros save yourself the energy and the money. Cause after all we know that cheap can get expensive! Well a number of experiences has lead me do somethings myself after all like Mark Twain says, Twenty years from now you will be more disappointed by the things that you didn’t do than by the ones you did. That’s not the only reason though, recently became a stay at home mom more like I went from having a full time job to a part time job in the transition we had to live on one income and we wanted to continue life as usual the more money I am able to save the more we’re able to fill in the gaps So, I Sailed away from the safe harbor and here are few things I learned:

    1. The opportunity to engage our hands and our brain in things we thought we couldn’t do. The sense of reward one gets from doing or fixing things with our hands can’t be earned any other way, we get to develope new skills and it’s obvious that we learn faster from “hands-on” experiences even if that means through trials and errors.




    1. Becoming a DIY hero will give you a sense of empowerment and self confidence. A while ago we needed a part change in the beamer, we went to the shop and the guy said $1,500.00 including parts and labor and you need to leave your beamer here for at least 2 days. We decided to shop around and find out the actual price of the part. Long story short, we watched a Youtube video, I went to auto-zone paid $16.00 for the part and in less than a minute change the part. It was so easy cause I just gad to unplug the the old part and plug the new one. We ended up saving a ton of money (refer to: The secrete to saving money)
    2. You-tube can teach you how to become a DIY hero, pretty much You-tube can teach you anything. No excuses, there’s no excuses for not doing things yourself or doing what you want. Fixing the car was not the only thing I learned on Youtube and I’m not able to always fix it myself, we take it to the shop with regularity and give it the proper maintenance. But, I learned how to do my pedi and mani and even my hair, so yeah! Pretty much you can learn just about anything in Youtube.
    3. By becoming a DIY hero you will also develop a connection to new people. You become a citizen of the world there’s a large community of DIYers in the web login in to social media everyday, you can feel confident interacting with them exchanging ideas take initiative what skills do you have? Offer to help anyone you know might benefit from your skills who knows one day you might turn it into a business. Just make it clear when offering to help that you’re unskilled, grunt labor and want to learn. Everyone needs a happy helper on a job,.
    4. Never under estimate yourself. You will never know if you don’t try, don’t pass an opportunity to do things yourself, you can be a DIY hero if I believe in you then you should believe in yourself also, you are never too busy to work on your stuff, you work too hard to let things fall apart at home, become handy set a time to do things around whether is daily, weekly, by weekly or monthly hold yourself accountable and do the things you said you will do.
    5. Remember the 80/20 do 100% your best but If the end result looks like an 80% at the beginning, don’t sweat that 20% means room to grow In other words, be OK with getting some paint on the ceiling when you paint your own house get it! Remember that practice makes progress the more you do the more you learn, the more you will know that you can be a DIY hero.
    6. Shadow a pro. If you do hire a pro to do the work, don’t let them toil alone. Fetch tools,  ask questions, sweep the floor, get the coffee, skills are learned and they can be transferable, watch them work.keep asking smart questions and praise their craft. True masters of trade are happy to explain the whats and whys of their work. Don’t be annoying, but also remember that you’re paying them and they’re working for you.
    7. You  learn other things in the process of taking on any task and these pieces of knowledge and the skills you learn will be useful in future projects whether is fixing your car, your washer, painting your roof or doing your nails. Don’t take it lightly if you’re going to learn to do something is worth to learn doing it right.




    1. You are showing your children,  friends and family that they can do it themselves too. If someone like me who is nothing special” can do these things, surely they can, too. Everyone thinks is difficult until is done. Remember the four miles barrier? According to legend, experts said for years that the human body was simply not capable of a 4-minute mile.  It wasn’t just dangerous; it was impossible. Further legends hold that people had tried for over a thousand years to break the barrier, even tying bulls behind them to increase the incentive to do the impossible. In the 1940’s, the mile record was pushed to 4:01, where it stood for nine years, as runners struggled with the idea that, just maybe, the experts had it right.  Perhaps the human body had reached its limit. On May 6, 1954, Roger Bannister broke the 4-minute barrier, running the distance in 3:59.4.  As part of his training, he relentlessly visualized the achievement in order to create a sense of certainty in his mind and body. Barely a year after Bannister’s accomplishment,  someone else ran a mile in under 4 minutes. Then some more runners did.Now, it’s almost routine. If you get up to do something  These people are more likely to try it themselves.




  1. Just try it! DIY! You will thank yourself for doing so. Short of replacing your electrical panel or roof, it’s highly unlikely you’ll ever be in real danger when working on your house or doing things yourself. And, if you’re careful and do your research in advance, you’re probably not going to seriously mess anything up you’ll become a DIY hero.

How likely are you to try DIY doing something new?

Please share your thoughts with us, share this article with friends and family, stop by our social media and say hi.

God bless you!

BEING BROKE

 
No, money isn’t everything and you know what they say, money won’t bring you happiness. I say, neither will being broke.

I am not ashamed to admitted I’ve being dead broke and it ain’t funny. No, I am not a millionaire I’m a baler on a budget! I do not depend on my own strength or intelligence I trust and I depend completely on God, and by the grace of God I now know and understand that money don’t make one rich, financial education does. This kind of knowledge lead me to build an emergency fund and I do my very best to stay out of debt. (Refer to My Emergency Fund is a Blessing )

Proverbs 6:4- 5 Says, Give no sleep to your eyes, Nor slumber to your eyelids. Deliver yourself like a gazelle from the hand of the hunter, And like a bird from the hand of the Fowler.




I remember as it was yesterday, when a few years back in 2013 to be exact I got a letter from my bank saying that they shut all my accounts and that I owe them $20.00 insane I thought who do that? They said I most make a payment and if I want my accounts back I also needed to make a deposit. Yup! You might have never been in that position before. Creditors calling breathing down your neck, too much month at the end of the money, sick only at the end of the month when your rent is due. I been there broke, confused, and embarrassed asking myself how I got to that point.

But that’s not all, I’ve also been on the other side of the spectrum and I like it more. When money is not an issue, I am not a spender by nature, I don’t care much about brands and luxury handbags no, but I’m seriously terrified of being broke. Like seriously, seriously.

I’m one of those people that gets peace of mind from having a fully funded emergency fund and from having savings accounts that are tracking (on date) towards long term goals. Financial security is at the very top on my lists of priorities and goals. (Refer to The Secret to Saving Money )




I want to be able to pay my bills enjoy life and live comfortably with my family to me Having the right money mindset matters that is the reason why I’m committed to saving money in the form of paying myself just the way I pay my bills. I take paying myself as paying a bill. When I started saving though I could not afford to pay myself that way. I mended my errors I had an income problem I fixed it. Dave Ramsey says, a great place to go when you are broke is to work. I did that I am a certify teacher I guess I’m qualified to do something that can generate me some kind of income. I payed the bank, re-opened my accounts and here I am every penny matters to me I been to the point when all I put in my bank account is $1 yup again I’m not ashamed to admit it. Can’t be dollar smart if you’re not penny wise.

 For many people $1 is nothing since can’t buy you much of anything with it but I’m of the opinion that a little + a little + a little = a lot and me making even the small deposit to my savings account, made a difference in my bank account and I saw my account steadily growing over time.

Hey! “A little + a little + a little = a lot”

Not just that, making those consistent transfers and deposits no matter how small, helped me to solidify my savings habit and helped me get accustomed to making consistent transfers to my savings. It also helped improve my money mindset and the way I thought about my finances. I believed (and still believe) that I could save a ton of money and I’m well on my way.

If you don’t know how to start take it from me start little by little or do the 52 weeks money challenge 

 
The Money Challenge is a way to save by putting away a small amount of money each week. As the year progresses, your savings will gradually increase so that by the end of the year you will have saved $1,378! This challenge is perfect for paying off debt or even vacation planning. This could even be the start of your emergency fund! How does it work? It’s pretty simple. It’s all about saving a little more each week.

Deposit $1 on week 1

Deposit $2 on week 2

Deposit $3 on week 3

………. and so on!

While these are tiny amounts, as the chart above shows, they will add up quickly!

I’ve heard some say they actually put in more money at the start of the challenge and less at the end when money is tight for them.  I would suggest putting in more money when you have it to make up for the times when you might be low on funds. This will help you stay on track!



Are you ready to take the 52 Week Money Challenge? If so, I wish you the best of luck! Have fun with it! Share the Money Challenge with your friends and family as well!
Share with us after reading this blog post what are you willing to do to save money? 

Have you ever been broke or feel broke?

Please share this post with someone and leave us a comment.

EMERGENCY FUND

 

I remember as if it was yesterday, the day we finally conpleted our starter emergency fund. It was a day full of joy and celebration well you know the saying; money isn’t everything. But not having it when you most need it can be really stressful.

Yes, now I can say that my emergency fund is a blessing, but it wasn’t until a few years ago when one day we said enough is enough, we both my amazing husband and I work too hard to have nothing to show for it. And we were no strangers to the stress and discouragement that comes with not having enough money to put gas in the car or even replace a tire, maybe you never been there. When there’s too much month at the end of the money? Well that’s exactly where we come from and it is our hope that one of these days you can also say that your emergency fund is a blessing, make that your statement

We’ve all had those big expenses we didn’t see coming. That was our case That’s life. But that future (inevitable) emergency doesn’t have to stress you out.

Well one day we had this doctor’s appointment and I had to go through surgery, we went to the hospital to pre-reg. Fortunally we had get rid of Murphy and he no longer lived nor travel with us no more.

We, useed our emergency fund! 

Your emergency fund is money provides a cushion between you and all the stuff that hits the fan. We had it! We were able to pre-reg and walked out of the place with a feeling everyone should experience.




One day we decided to kick Murphy out, he knock on our door from time to time and we gladly wave our emergency fund in his face, so he goes to check on our neighbors.

Well here are four common questions about emergency funds and how to set yours up:

    1.  How much should I save? We recommend a starter emergency fund of $1,000. That’s an amount you can save quickly and still cover most issues. Eventually, you’ll want to build it up to three to six months’ worth of expenses. But that’s later. For now, focus on getting it started—and fast. Do this before you pay down debt or save for anything else. 
    2. How do I find the money for it? You never know Budgets are desinged to help you get traction and ultimately win with your moneyuntil you make one. You’ll probably find cash you didn’t know you had! Plus, you can cut back in a few areas (like restaurants and entertainment) and find even more. You can also boost your savings by selling stuff online or picking up a bit of side work.




    1. Where should I keep it? Put a category marked “emergency fund” in your budget with a certain amount you want to save each month. This account will gradually build up and be ready to cover your immediate needs—like your heater making that-can’t-be-good noises when it’s freezing outside! Keep this cash in your regular bank account, or transfer it over in a new account when it hits $1,000. It’s up to you!




  1. What happens when I’m done saving?Once you have enough saved for emergencies, focus on your other debt or savings goals. But when you use your emergency fund, be sure to refill it as soon as possible. That way, it’ll be waiting for you when you need it next (and you will!) Refer to The secret to saving money you can also contact us for more tips on saving, paying off debt  and staying out of debt. 

The Secret To Saving Money

We all know we need to save, but most people don’t save like they know they should. Why? Because they have competing goals. The goal to save isn’t a high enough priority to delay the purchase of that pizza, DVD player, new computer, that next vacation or china cabinet. So we purchase, buy, and consume all our dollars away
or, worse yet, go into debt to buy these things.



Saving money is not a matter of math. It’s a matter of urgency.

You won’t save money when you get that next raise.

You won’t save money when that car is paid off.

You wont save money when the kidsare grown.

Youll only save money when itbecomes an emotional priority.

We all know we need to savebut most people dont save like they know they shouldWhyBecause they have competing goalsThe goal to save isna high enough priority to delay the purchase of that pizzaDVD playernew computerthat next vacation or china cabinetSo we purchasebuyand consume all our dollars away

orworse yetgo into debt to buy these things.

That debt becomes monthly payments that control our paychecks and make us say

things like, “We just dont make enough to save any money!” Wrong,wrongwrongWe do make enough to save moneywe just arent willing to quit spoiling ourselves with our

little projects or pleasuresIt doesnt matter what you makeyou can save money.It just has to become a big enough priority to you.
Make Saving a Priority

If a doctor told you that your child was dying and could only be saved with a $15,000 operation that your insurance would not cover and could only be performed nine months from today, could you save $15,000 between now and then? Of course you could! You would sell things, you would stop any spending that wasn’t required to survive, and you would take two extra jobs. For that short nine months, you would become a saving machine. You would give up virtually anything to accomplish that $15,000 goal.

The secret to saving money is to make it a priority. But that happens only when you start to feel some healthy anger—or fear—and then focus that emotion on your personal decisions. Harnessing that emotion will make you move yourself to the top of your creditor list. Then ask yourself which bill is the most important. After tithing, who should you pay first this month? The answer is you! Until you pay God first, then yourself, then everyone and everything else, you will never save money.
Advertisers and marketers are touching our emotions every day and taking every dollar we have by making us see our wants as needs. It’s time for that to stop! Emotions make great slaves, but they’re lousy masters.  It doesn’t matter how educated or sophisticated you are—if you aren’t saving money, you’re letting your emotions control your actions. You need to take charge!

So whether you need to save for college tuition, a plane ticket to the family reunion, new school clothes for little John or Mary, retirement, or anything else, start now! It’s never too late!

HOW TO PAY FOR COLLEGE WITHOUT USING STUDENT LOANS

 
I was motivated to write this post after having a college planning chat with a good friend of mine. I know planning for college can seem overwhelming for the student and the parents.

my friend is a parents educator and the mom of Three. This was a good conversation but, it wasn’t as good as I thought it would be, I was excited and anxious to hear what my friend had to share with her parents. I most mention that only one of my friend’s kids still lived with her and had to make a college decision at the time of our conversation, my friend started her speech to her parents that day by saying: “it is impossible to save and plan your children education, knowing that you’ll always have a car payment. I knew right there and then that this wasn’t an easy topic for her in spite of the fact that two of her children were grown and gone.




But, there’re so many options to help your teenager get ready. I know, I know,  you have to deal with the SAT and ACT scores, keeping grades up in high school and researching the best schools, but your teenager also has to start filling out applications for colleges, scholarships and grants. Stay positive There’s so much to do that it’s easy for your mind to go numb because of all the details.

But as much as your teen might want to get lost in their video games and forget about application deadlines, you can’t let them do that! This is their future we’re talking about.

As much as you and your teen may want to wait and procrastinate, it’s not a good idea to put all these applications off until the last minute. When they do that,they’re more likely to make mistakes, which could cause delays in the application process. Or they could cause their applications to be rejected altogether!
Sit down and make a plan. Once the acceptance letters start rolling in, I promise you won’t regret it!

Consider also an ESA (Education Savings Account) you not always have to have a car oayment that is a shallow way of thinking. An ESA are Funds in these accounts that grow tax-free and are tax-free when withdrawn for K-12 or college education expenses before age 30. ESAs also offer increased flexibility. Investment options are virtually limitless, and you can make investment changes at any time the reason I like ESA vrs 529 is because with an ESA you have more control of the money and therefore you can make decisions as to the 529 where you invest more but have no control. Yes with an ESA Contributions are limited to $2,000 a year per child. You’ll be subject to the same taxes and penalties as a 529 plan if the funds aren’t used for eligible expenses. The ability to contribute is subject to income limits, but children also can contribute on their own behalf.

At a Glance of ESA vrs 529

 529 College Savings PlanCoverdell ESA
Tax advantagesXX
Qualified withdrawals can be used for K-12 expenses X
Qualified withdrawals can be used for post-secondary expensesXX
Wide variety of investment options X
High contribution limit (more than $250,000)X 
No income limits for contributorsX 
No withdrawal age limitX 

You can considere also: Federal Aid: The good news about federal aid is that it accounts for the largest amount of aid available. The bad news is that federal aid is largely based on financial need. So if your family’s income is above the maximum income for eligibility,don’t be discouraged. You can take advantage of several other sources of aid.

State Aid: This is based on a combination of financial need and achievements. From now until you head to college, you should work on your grades, test scores and extracurricular achievements to increase your eligibility for these scholarships





Military Aid: If you or an immediate family member have served or plan to serve in the military, then look into military aid. This is a great way to serve your country and get your college paid for!