​Sylvia Inks Educates Entrepreneurs How To Manage Their Money And Build A Profitable Business

This post is courtesy of ladibossblog

Posted by Elaine Rau
Sylvia Inks knew she had a gift in financial management and wanted to share her knowledge with small business owners so that motivated, but financially illiterate, entrepreneurs wouldn’t have to close their businesses due to mistakes that could have been avoided. Read our interview with the lovely Sylvia below…

What motivated and inspired you to start your own business?

I grew up in a family that loved to talk about money. It was a common topic discussed at the dinner table, so I learned good money management at a very young age. I realized that many others did not have that same upbringing, which I believe has led to a problem of financial illiteracy. I see very smart and intelligent people start businesses, but fail due to poor money management and not building a solid foundation. It is heartbreaking to see motivated and driven entrepreneurs have to close their businesses due to mistakes that could have been avoided.

Tell us about your business.

I help entrepreneurs manage their money better. I provide the education, tools, and encouragement to put into practice the business and financial fundamentals to build a profitable business. My goal is to educate and empower small business owners to turn around their business and make the profits that they need and want.

Yes! I am launching the book, Small Business Finance for the Busy Entrepreneur, which will be available on November 1st for 90% off! It will be available at this special price for this one day.
Readers can go towww.smallbusinessfinancebook.com to get more information and a bonus preview. Small Business Finance for the Busy Entrepreneur will be available onAmazon.
Where is your business based (city/state/region…)?
Based in Raleigh, NC (United States) and can serve out-of-state clients through virtual coaching.
What were the first few steps you took to get your business up and running?

I took a financial coach master series training through the Dave Ramsey’s team to confirm that this was indeed what I wanted to do for a business. At the time, I was trying to decide between two business ideas. I was 100% convinced that this was what I was meant to do after that training and mentorship program. I also took a business planning course to ensure that I created a solid business and financial plan. Through that course, I also gained a mentor who coached me through the critical first year. Not having a solid business plan is one of the top reasons why small businesses fail. Often, people make the mistake in thinking that if they don’t need financing, that they don’t need a business plan.
What has been the most effective way of raising awareness of your business and getting new customers?
Attending conferences and networking events with like-minded business professionals and building a referral network. Writing and promoting my book has also been a great way to raise awareness.
What have been your biggest challenges so far?
Time management! I have this big drive to help as many business owners that I meet, but have to balance that with my family obligations and schedule. I have two young children under the age of 5, so it’s a little bit of challenge to manage a good work/family balance.
How did you overcome these challenges?
I leverage family for help with childcare. I also hired someone to help me one day a week to cook, fold laundry, and do various cleaning in the house to free up time that I can spend on the business.
How do you keep motivated through difficult times?
I get motivated when I get client feedback on how I’ve helped them decrease their stress and anxiety around their business finances. I recently had a client who was laid off from her corporate job, and she said that had she not worked with me to calculate the numbers beforehand, she would have panicked and not known if she could make it.
How did you distinguish yourself from your competitors?

I provide a step-by-step process with tools that allow my clients get started right away and case studies to make it relatable. It’s not theory like you see in many other books… it’s a ready-to-use program.

What is the best advice you have received recently?

Front-load the work! Do 80% of the work ahead of time.
What advice would you give to other entrepreneurs?
Surround yourself with like-minded entrepreneurs. Seek to find those who target the same types of clients as you, but are not direct competitors. Having a referral partner network will save you time and money from having to chase down clients and having to find clients at networking events.
What is your favorite business tool or resource?
Office 365 for a cloud storage system of all files and business receipts, which are accessible anywhere I go and travel. It also allows secured access when sharing files and ensures that I don’t lose any critical business files in the event of a computer crash. Freshbooks is another great tool that I find to be a lot easier to use and manage than QuickBooks for small business owners.
What social media outlets do you use? List them below.
Twitter @smifinancial

Facebook www.facebook.com/smifinancialcoaching/

Websitewww.smallbusinessfinancebook.com and www.smifinancialcoaching.com

Hashtags #busyentrepreneur #profitablebusiness #moneymanagement #smallbiz

What is a good article or book you have read recently?

Beyond Travel: A Road Warrior’s Survival Guide by Marcey Rader. This book is full of practical and specific advice on how to be more productive and be healthier, especially if your job requires a lot of travel. This is a book that I wished that I had when I was working 12-14 hours days and traveling between 75%-100% over 5 years ago. After going through Marcey’s tips, I have become more productive and have been going to bed two hours earlier than I have in over two years! Time is money, and most entrepreneurs struggle with having enough time for their business and personal life. If this sounds like you, then I highly recommend this book.
What are you currently learning about for your business or looking for help with?
How to build better email marketing campaigns to engage with the customers and readers and provide value so they want to open and read the emails.
What are your goals for the next few months and how are you striving to achieve them?
Get the book in the hands of as many entrepreneurs and small business owners that I can and help them start building a solid, profitable business. My referral partners will be helping me get the word out about the book on launch day and I will also be doing workshops and talks. My 2017 goals include creating online courses based on the fundamental principles described in the book for those who want and learn better though visuals.

Top Financial Challenges For Women 

 

 

 

 

 

 

far from trying to stereotype women, we just want to share few of the top financial challenges women face in today’s society, disadvantages that women need to be aware of when dealing with money matters. Again we’re not trying to stereotype women, each woman is unique and possesses the ability to soar and be a world class influential woman.

let’s dive in!

1. Wage Gap– on average, women earn less than men. Why that gap exists is a matter of often-heated debate, but the fact of its existence isn’t disputed.

 

 

  • What to do– While the wage gap is a subject for society as a whole to address, in the short term, individual women need to focus on money management and budgeting. A very particular trait in women is the ability to focus and multi task. Learning and developing new skills, one of the best ways of facing the wage gap challenge for women is by consistently tracking spending in writing. Skills are learned so this is one skill all women should learn tracking all spending, and using the collected data to create a new written budget. See our budgeting article

 2. Price Gapproducts designed exclusively for women are more expensive than those meant for men, women’s clothing is more likely to need dry cleaning, and women have to purchase things like cosmetics that men don’t use. All of these expenses add up to a hefty price gap between the genders. Studies have also shown that women’s health care is more expensive than men’s, even when exhibiting the same symptoms, not surprise!




  • What to do– Again, budgeting is key. Comparison shopping is also a must. There are all kinds of great apps or even store websites that can be use for comparison with the idea of saving money. The number one form of overspending isn’t buying on impulse, it’s paying too much for things. So look at your necessary spending and see if there’s anything you’re paying too much for that can be bought cheaper from another source, or in bulk. See our 10 ways of to make extra money article

3. Long-Term Care some of these categories seem especially unfair, in that they represent admirable qualities that nevertheless result in financial challenges for women. A Princeton study found that women are twice as likely as their male siblings to end up caring for an elderly parent. And a study from the Journal of Applied Gerontology found that women are more likely to be displaced from the workforce when providing long-term care.

  • What to do– The best solution is to plan well ahead of time, it is always a good idea to add a long term care insurance  tab to your budget planning when you start thinking that it might be necessary in the coming years. The fact that is in your mind, and you are concern about it tells that you might want to start planning for it before is too late.  Put a small percentage aside on your budget and get ready so that you’re able to get long-term care insurance to meet this need when the time comes. Every family situation is different, but if you think this kind of situation is likely, that insurance is more likely to be worth it. And your whole family needs to come together and decide if they are going to buck the trend and share care giving responsibilities equally among siblings just make sure is on writing as a contract, not that you don’t trust your family but, people tend to agree to this type of things and many times fail to deliver leaving the responsibility to a single individual to deal with. See our the secret to savings article

4.Charity – another category that turns a positive into a challenge; women are more likely to give to charity than men, and on average they donate more.




  • What to do– Donating to worthy charities and those that are concistent with your values is great, so we’d only caution you to make charitable giving part of your written spending plan so you don’t go overboard.  You can’t give what you don’t have, do not over promise and do not let anyone bully you or manipulate you into giving. Set a percentage of your income in your budget for giving and stick to it. Do not write checks by Faith to bounce back and get charge for overdraft knowing that there’s no money in your account. Doing that won’t help you or the causes you support. Think of when you’re on an airplane; they tell you in an emergency to put the breathing mask on yourself first, before helping anyone else. The same principle applies here. You’re no good to charities or the needy if you can’t make ends meet yourself. Follow your budget and give as you can, your priority is working your money plan so that you, your family and the people you love and wantvto help can benefit, so make giving a top priority in your budget and give accordingly. See our why giving article

4. Education– yet another positive trend that ends up costing women more money. These days, women are more likely to attend college than men. That’s good—it’s part of how society is addressing the wage gap—but with tuition costs skyrocketing in recent decades, today’s graduates are left with hefty student loan debt.

  • What to do– Student loans are a huge headache for graduates and a huge business for financial institutions everywhere in America, Student loans sees no gender it affects men and women alike. see our How to pay for college without using student loans article




 

What other financial challenges you think women are facing today?

If you’ve got difficulties with your finances in general we’re here to help. Contact us today @ www.redtogreeneconomy.com or @ getinfo@redtogreeneconomy.com

The Silliest Thing I Did to Pay Off Debt

What’s the craziest, silliest thing you ever did to pay off debt ? Well me personally? You’ll probably laugh at this one but hey I’m debt FREE! And I’m going to share it anyway.

I’m seriously terrified of being in debt. Like seriously, seriously.

Growing up, I was told by  one of my aunts if you can’t buy things cash don’t buy them, you don’t need them. I took her philosophy seriously and I’ve done my best to stay out of debt as much as possible but, few years ago my husband and I were $47,000.00 in debt, we did everything in power to pay off our debt quick. It took us three to four years just on his income, one of the craziest things I did was collecting pennies, my mom would have a small bucket ready for me at least twice a month, those pennies were worth anywhere from $15 to $40 each time, I also picked up every penny I saw lying on the ground. It was crazy but our debt was getting paid.




 

Maybe you’re in debt today, it doesn’t matter how big or small, here are some tips of other things we did that might help you.

Step One – Get Together A List Of Every Debt You Have

The first step to pay off your is to know every debt you owe. This can be a bit overwhelming, but it is a necessary first step.

We started by pulling our free credit report from AnnualCreditReport.com, the only place where you get 100% free credit reports as authorized by federal law. You can pull your credit report from all three bureaus if you wish or you can simply pull one report from each bureau every 4 months if you want to monitor your credit for fraud. Either way, you’re entitled to one report from each bureau (Experian, Transunion and Equifax) per year.

This report will show you a list of all of the debts that you owe other than loans from friends and family. The balances owed may be a month off if your creditor hasn’t reported your most recent payment, but it will give you the big picture of who you owe money to.

Once you have this list of who you owe money to, it’s time to dig deeper to get the rest of the information you’ll need.

Step Two – Find Out Everything About The Debts You Owe

Now that you have a list of who you owe money to, it’s time to figure out everything else about your debt. Here’s a list of what you’ll need to know about every debt you owe:


      • Exact amount you owe
      • Payment amount
      • Frequency of payment (monthly, quarterly, etc)
      • How many payments left (if fixed term debt such as a mortgage, student loan or car loan)
      • Interest rate and whether it is fixed or variable
        • If variable, what the rate is based on (prime rate, LIBOR, etc)




    • Due dates
    • Grace period (if applicable)

    Where do you get this information? To find out how much you owe, check your most recent statements.

    For everything else, you’ll need to do a little bit of digging. For loans, check the loan documents you signed. If you can’t find the loan documents, try calling the creditor or log in to their website and check your account details.

    For credit cards, check the terms you agreed to when you signed up for the card. You may also be able to find this information online after you log in to your account on the credit card’s website. If you’re having trouble understanding the terms, call the number on the back of your credit card. A representative will be more than happy to help you.

    Step Three – Assess Your Debt Situation

    It’s time to look at the big picture now that you’ve figured out all the details on every debt you owe. It probably won’t be fun and it could be just plain ugly, but you have to do it to move forward.

    First, add up the total amount of debt you owe. The number may be scary but we’re going to work on knocking it down, so don’t worry too much yet.

    Next, take the amount of all of your monthly payments and add them up. This the minimum amount of money that you owe on your debt every month. Again, this can be overwhelming, but you’ll be able to knock this down as you pay off your debts one at a time.

    Step Four Choose a Debt Pay-Off Plan

    There are a few different debt pay off plans you can choose from.

    The snowball method requires you to list your debts from smallest to largest and pay them off in that order. You pay all of your minimum payments and throw everything else toward the smallest bill. This is a great method for anyone looking for instant motivation and is the method I used when I had credit card debt.

    Check out The Total Money Makeover by Dave Ramsey

     The second method is the debt avalanche. With this method you’re paying off your debts from largest to smallest interest rate, therefore saving money over the long run. (You’re still making minimum payments on everything else.)

    There is no right or wrong way to go. The method you choose will depend upon your personality.

    Step Five Trow Extra Cash at Your Debt When Possible

    Chances are sometime in the year you will get a bonus or a raise or at the very least a tax refund. When you do, don’t spend it. Use it to pay off debt.

    The tax refund is easy. Just use the entire thing to pay off a credit card or apply to student loans. The same goes for any bonus you may receive at work. Often, these come during the holidays, so don’t be tempted to spend the money on gifts.




    Chances are everyone in your life already has everything they truly need.

    As for a raise, have the extra money immediately put in another bank account. You can then dip into this money every few months and use it as a lump sum to pay off debt. If you do it this way, you’ll never miss the money in the first place.

    Step Six Have a Garage Sale

     Most people have houses or apartments full of unwanted or unneeded items. Now is a great time to sell them. Whether you want to throw them up on Ebay or Craig’s list or have a yard sale, get them out of your house and free up some room. You’ll also end up with extra cash in your pocket that you can use to pay off your debt. When it comes to how to pay off debt quickly, this is one of the easiest ways. If you don’t think you have anything to sell, look again.

     

    Also, don’t forget that one person’s trash is another person’s treasure, so don’t assume no one would want to give you money for that ugly Christmas sweater or that vase you got as a wedding gift ten years ago from Aunt Judy that you’ve always hated.

    Step Seven Find an Extra Job

    This is absolutely fine I’m sure you are busy enough but don’t dismiss this idea your goal is to get out of debt and get your peace of mind. Even a few hours a week can provide you with a decent amount of cash to use to pay off debt, and when it comes to how to pay off debt quickly, sometimes we have to do things we don’t really want to do.

    If you use all of this second income to pay your debt, you’ll see a huge difference quickly.

    Make sure this second job is something that is stress-free. This is especially important if you have a stressful full-time job. The job doesn’t need to be glamorous and while you might not love it, just keep in mind that a little short-term extra work will pay off big sooner than you realize.

    Step Eight Work Overtime

    If you have decided one job is plenty, thank you very much, then instead of finding a second one or creating one for yourself, check with your employer to find out if you can get some overtime work.

    The advantage here is you already work there and you know the lay of the land, so to speak. If your company is short handed, then they will be thrilled to help you out and might even give you a raise in the long run for being a team player.

    Step Nine Start a Side Business

    While this is related to a second job, in my humble opinion it is a little better because you’ll be working for yourself. When a lot of people think of a side hustle they think of working online and that’s certainly an option.

    However, if you’re not the kind of person that is tech savvy or you don’t like to write, then don’t forget about everything you can do offline.

    For example, you can make money doing almost anything. You can mow lawns, deliver groceries, clean houses, the list is endless. The great thing about this is you can choose your own hours and how much you




    Step Ten Don’t Forget to Get Creative and Enjoy Your Debt FREE Life.

    Have some creativity, chances are you’re good at something. If you work on your craft and get creative you will achieve your dream of living a debt free life. Op out from receiving offers in your mailbox

    Nothing is more annoying than pulling up to your mailbox after a long day of work and finding it filled to the brim with junk mail credit card offers. Every day, credit card companies fill up our mailboxes with needless junk that is immediately rerouted to the shredder or trash can. But here’s great news: You can make them stop! It’s actually very easy to stop receiving unsolicited junk mail credit card offers. All you need to do is visit optoutprescreen.com, type in your information, and you’ll stop receiving these offers for five years. Or, if you use traditional mail to send in the form, you can opt out for 10 years.

     

    It’s simple. No more credit card junk mail for you, no more wasted time for your mailman, and no more overheated shredders and filled-to-the-brim trash cans.

    Don’t forget to live within or bellow your means, this is so important not just while you’re on your debt free journey but always. That’s how you’ll be able to enjoy peace of mind and even build wealth.

    What’s been the craziest thing you’ve done to pay off debt?

    Also while you are here download a free copy of our 45 Practical Ways to Save Money Every Day E-book.

    please share our resources and stay connected with us on social media we’ll see you around.

    Meet Eboni Phillips, She Went From Being Bankrupt To Educating Herself To Teaching Others About Credit

    Eboni Phillips Went From Being Bankrupt To Educating Herself To Teaching Others About Credit

    This post is courtesy of LadyBossBlogger

    Posted by Elaine Rau

    Eboni Phillips has seen poverty in its rarest forms, from sleeping in the back seat of cars to getting them repossessed, Eboni knows exactly what it’s like to be less than credit worthy. After countless experiences with trial and error, she decided that she would use her experience with bad credit to help serve the community and educate others about being financially integral. Read our interview with the lovely Eboni below…





    What motivated and inspired you to start your own business?

    Well I had no idea I would be a credit specialist. I’d had issues with credit for years. I found myself severely depressed sometimes knowing that I couldn’t get an apartment or vehicle without a cosigner. I sat down one day at a dealership with a car salesman and was told “you need to file bankruptcy” I decided then that credit would not be a hindrance any longer. I was my first client. I applied what I learned to my situation and saw results immediately! I then went on to help family and friends and decided that “serving” others in the area of financial empowerment was my lane. As far as walking away from corporate America to pursue my passion full time, I knew that my potential was bigger than the cubicle that I sat in every day. There is a misery that comes along with not utilizing your full potential and I felt that misery daily. The thought of working 35 years just to survive wasn’t too appealing to me, the glass ceiling on my pay scale drove me crazy… I decided that I wanted to leave a legacy that proceeds me and entrepreneurship was how I would create it.

     

    Tell us about your business.

    I own and operate Elite Credit Consultants LLC. Our purpose is not only to restore your credit but to give you the tools and essential education necessary to maintain your credit score long after your time as a client with us. I get extreme satisfaction from educating and empowering consumers in the area of credit management. Not only do we focus on disputing inaccuracies but we sit down and have in depth conversations with our clients to figure out where the weak areas are and how we can strengthen them in those areas. Elite Credit is more than a business, it’s a lifestyle!

     

    Are you currently running any promos/contests/giveaways that you would like our readers to know about?
    Yes. Currently I am offering 15% off all new client enrollment until May 1st.

    List awards/certifications/accomplishments.




    I am a board-certified credit specialist and credit score analyst through the Credit Consultant’s Association.I will have my Degree in Economics in May of this year.

    Where is your business based?

    We are located in Ypsilanti, Michigan.

     

    What were the first few steps you took to get your business up and running?

    The first thing I did was research the requirements to work in my field legally in the state of Michigan. It is very important to be PCI compliant in my industry.Next I researched ways to get certified, even though it is not required in my state I just believe in credentials. I studied hard and passed two exams to become a certified credit specialist and score analyst. I then became my first client.I applied for my articles of incorporation and EIN number.I created a Success (Business) Plan.

     

    What has been the most effective way of raising awareness of your business and getting new customers?
    Social media has been a great help with getting new clients, but honestly referrals are the lifeline of my business, without word of mouth I don’t think ANY credit business will stand for long. I also understand the scripture “Faith WITHOUT works is dead”. Everything that I do in business is a faith move, I put in the work and I allow faith to produce the end result.

    What have been your biggest challenges so far?

    My biggest challenge so far has been owning the fact that I am an influencer to the nations. For so long I thought I didn’t deserve to be blessed, so I guess just coming into the realization that greatness is in my life and that there is nothing or nobody that can change that has been my biggest challenge to date… We sometimes can be our own worst enemy.
    How did you overcome these challenges?

    Entrepreneurship is not for the weak and sometimes you will get discouraged. I implemented lots of prayer, fasting, and meditation on what the word of God says about me! I also began to speak positive affirmations over my life and business daily.

     

    How do you keep motivated through difficult times?

    I worship in times of difficulty… I know how to pray it through. I have learned the secret to living and that is to be grateful in all situations, to always give thanks, and know that you are your only competition. My daily goal is to be a better version of myself than I was the day before.

    How do you distinguish yourself from your competitors?





    When you’re a real leader, you know that you have no competition. I don’t mind others taking a seat at my table because I know we are all going to eat. We are all playing for the same team. I am SAVED. I use my entrepreneurship platform as a tool to evangelize and bring people into the knowledge of Christ. If I’m not helping to increase the kingdom, then what I’m doing is for nothing. I stress the importance of what the Bible says about debt and money when I educate… I make it a point to always point people back to God.

    What is the best advice you have received recently?
    Be CONSISTENT… Sometimes when we aren’t getting the results we think we should be getting, our consistency in our craft dwindles.
    What advice would you give to other entrepreneurs?
    KEEP GOING… GO ALL THE WAY. Believe in yourself and your gifts. See yourself and your service as an asset and not liability. When you make the decision to be an entrepreneur, you decide to accept the process that comes along with it, and nobody said the process would be easy or fun… but it will be worth it. You’ll thank yourself after.

     

    What is your favorite business tool or resource?

    My favorite business tool is Facebook live right now for the sake of my financial tip Vlogs I record every Tuesday. I’ve fallen in love with periscope though, so soon I will be taking my talents to that platform. What social media outlets do you use? List them below.

    Instagram @thecreditqueen__
    Facebook www.facebook.com/Elitecreditrecovery
    Facebook Group www.facebook.com/groups/555346381333371
    Website www.elitecreditconsultant.com
    Email elitecreditconsultants@gmail.com
    Hashtags #EBONIINSPIRES #ELITEEFFECT #IFIXCREDIT

    What is a good article or book you have read recently?
    I am reading the book “Angel Armies” By Time Sheets.

    What are you currently learning about for your business or looking for help with?
    I am working on an extension to my business through the avenue of real estate… I will be licensed to practice and assist first time homebuyers by the end of the summer. I’m always looking for mentors to further my education in my field but until I find one with a like mind, I will continue to self-educate and attend trainings.

    What are your goals for the next few months and how are you striving to achieve them?

    In the next few months I plan to have my Real Estate license, College Degree, and increase my social media following and conversion rate. I have my blinders on, I’ve never been so focused and determined to succeed. I will be consistent in my studies and post fresh relevant content daily on my social media outlets.

    Passive Income from your phone

    few weeks ago my friend Simple Ula shared this cool post on her blog related to in my opinion to passive income, I personally love the idea of having passive income as a way of making money, and for that I also use couple of apps that help me generate the passive income without too much effort. As an example I use ibotta and it’s the coolest thing ever the rewards are phenomenal. So, I decided to check out these lockscreen Ads and I am so glad I did. So, here it is check it out. What to do so we won’t do anything, but we will earn some money?

    I’m going to write for you about the ways of creating some passive income from your phone and today I’m going to write about lockscreen ads.

    You won’t make a full time income from it, but you’ll, for sure, make some of the so claim passive income. They’re free to download so why not, right?

     

    At the very beginning, I was pretty skeptic about it and also worried that it will slow down my phone, but nothing like that happened, fortunately. That’s why I’m happy to share it with you guys :).

    With both of these ways below, you can withdraw your money through PayPal or if you want, you can get a gift card to amazon, Starbucks, Ebay, etc.

    1. Slidejoy 

    This app puts adds on your lockscreen and all you have to do is just swipe to the left before you use your phone (if you have some code on your phone, the code will go next, nothing changes). No clicking on the add, no nothing and it also doesn’t matter how much you use your phone. Just as simple as it sounds and it pays you (by giving you points) just for having adds on your lockscreen on your phone. It takes for me half a second to get rid of it to use my phone normally Believe me, it’s very easy to (download it here) and to use it. You can also do surveys to get some extra money, which you can cash out through Slidejoy.

    2. Fronto

    It is an alternative to which works basically the same as Slidejoy. You can download it here and if you use my referral code: yadiz , we both will get 1,250 points so how amazing it would be for you to start this app with already some extra points on your account (to be honest I wish I had a referral code from someone when I downloaded it). It only takes another half of a second for me to get rid of it and “get to” my phone as normal. You can also do surveys on this app, just like on  Earn up to $7500 for one sale!

    href=”http://getslidejoy.com/r2/e3pszDBsQqgmtzo8GQaFhg”>Slidejoy .

     Slidejoy has better reviews, but for me they’re both great and I have them both on my phone, why not, when you can get some extra coffee or green tea latte for free a month or collect all this money and save it for a purchase on Amazon whenever you’re ready :).

    Unfortunately both of these apps work only on Android, sorry Iphone owners. I’m sure Iphone also  has some cool ways of generating some passive income. 

    Red to Green Economy E-book

     
    Happy Mother’s Day!

    I couldn’t think of a better idea to share this Mother’s Day Weekend. I hope my new E-book somehow encourages you. I have an incredible number of beautiful women that have inspired me through the years.

    As a think of each of them my friends and relative moms or potential moms I think of all the things a woman can endure and I am grateful to my Heavenly Father for his love and kindness for allowing us women to be overcomes, I look back at my own life story and I smile but at the same time I feel how God has use every single event, and every single setback as a blessing.

    Some of us women don’t look like what we been through.

    Yep! You know it and I repeat some of us women don’t look like what we been through. But God!

    Humbly, I thought of writing this post to give back some inspiration the the women that have inspired me too many to mention but if you’re a women and you are reading this post I am talking to you.

    For every setback in my life God have had a come back plan. One of those come backs for me has been in the form of my new E-book, I hope you feel encourage to read it but at the same time be encourage to follow your passion.

    I wanted to take the opportunity this Mother’s day to dedicate to you my E-Book Red to Green Economy. Tittle after my consulting business.

    It all started with the desire to live a life that can impact others and can be impacted by others. I realized today that God can use anything. And that always been my prayer. If you can use anything Lord you can use me.

    I went from struggle to struggle and people telling me I can’t do something or even people trying to tell me I need to do this or that to be successful to following my heart.

    You’ve always heard others say that you must follow your passion and if you’re like me the question stands how do you do that?

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    But since I been bless with the gift of motherhood I find that as a woman and as a mother our biggest why are our children.

    So my hope and prayer is that when you see me or think of me you can say if she can do it, if she can write an E-book or more than just one E-book several of them.  I know that I know that I know that I can do it.

    Whatever dreams or business ideas you have I hope I can inspired you to pursue it. I am nothing special, and many times I feel like quitting then I remember how hard it is and then if I quit I will have to do this over and over again so the answer I give myself is if you want to stop failing then you need to stop quitting.

    I see my beautiful daughter Victoria, I see my amazing husband, my friends and family I want to make them, I want to make you proud and that is enough motivation to continue. And the fact that I know and you should know that God can turn all of your setbacks into blessings. 

    God bless you! You can find my E-book on my website www.redtogreeneconomy.com or by visiting https://payhip.com/b/wtez

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    What dreams do you have and what motivates you to press on?

    Please share your thoughts and share this article with a woman or women in your life you love. Connect with us on social media we’d love to hear from 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.