Who doesn’t like to relax, party or unwind every now and then? We all do, but at what cost?  There comes a point when we have to realize that some of our extra activities or things we indulge in are costing us our livelihood. Discipline is necessary when breaking or curbing any habit that you enjoy.  I used to smoke cigarettes and drink alcohol years ago.  I bought a carton of Kools cigarettes every two weeks, they were about $40 dollars.  If you add up the cost of the cigare

Today, take time to think about what you are spending money on. Do you buy things outside of  paying your bills? You may be surprised to find out  how much extra money you actually have. When you are struggling to make ends meet, buying a $5 dollar Starbucks, a pack of cigarettes, or a bottle of wine can possibly add up to hundreds or even thousands of dollars per year and quite possibly be the reason why you are struggling to begin with, think about it.🤔 Make a short-term g

Emotional stress can negatively contribute to the way you spend and budget money. When I am stressed, I tend to buy fast food everyday. This is definitely not a good financial habit. Is there anything you impulsively spend money on when you’re stressed? Below is a link with a few tips on how to reduce stress. http://www.webmd.com/balance/guide/blissing-out-10-relaxation-techniques-reduce-stress-spot A few things you can do when you’re stressing to avoid impulsively spending m

Over the years I have learned how to cook budget-friendly meals. This used to be difficult for me.  Growing up, my family cooked very large meals, enough to feed an entire brigade of soldiers. When I became an adult and was single, I didn’t have to cook at all if I did not want to.  Now that I am married and have children, I am the person responsible for preparing most of the meals my family eats. I have learned over time to make smaller meal portions. I have also learned how

Children should be taught how to be responsible. They learn from things they see. Often, if parents are financially irresponsible, the children will become financially irresponsible.  If they are taught the value of money, and how to earn it,  they will better understand the responsibility of having and keeping it. Below, I have included  a responsibility chart.  It is a little different from a normal chore chart, this chart more so helps teach basic responsibility for childr

Did you know that people who give back to their communities are wealthier and happier than people who do not? If you have ever listened to a financial counselor, advisor, or guru speak they all have one thing in common, they believe in giving back to their communities. Their methods maybe different; some tithe in church, some assist homeless people, and others contribute to charitable organizations. You don’t have to be rich to give back to your community. There are plenty th

Saving money can seem like a chore. Really,  it’s quite the opposite. Saving money can be exciting and empowering! I love knowing that every dollar I put away, has a greater purpose to serve in the future. How do you save money? Do you have a traditional savings account? Do you save the old fashioned way,  with a water bucket or a shoe box? There are different avenues to reaching your financial goals. There are a lot of money saving challenges. You can find them on Pinterest,