Once you have created your budget, if you haven’t already, you will be able to see exactly how much you need to pay your bills at the very least. Budgets are the road map to your goals. It will show you your areas of opportunity so you can then decided how to spend your money. […]
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7 Sinking Funds You Should Have
Sinking Fund: a fund formed by periodically setting aside money for the gradual repayment of a debt or replacement of a wasting asset. In other words, a savings account for certain holidays or events you need money for. Everyone’s “savings” accounts will be for their own unique mixture of life. These are some examples of […]
8 Questions To Ask Yourself Before You Purchase
Question Everything Questioning yourself is a must in times like these. People are stuck at home everyday buying things online throwing their money away because they are bored. Here are some questions to ask yourself before making any major purchase for sure: Can I Really Afford It? Can you? If you can’t pay cash for […]
Master Bedroom Project
Master Bedroom: a principal bedroom in a house or apartment, usually the largest, typically occupied by the person or persons who head the household. I started really wanting to redecorate our bedroom about a year ago. I had acquired new decor and I wanted a whole new vibe. Me and my husband were using my great-grandmothers dresser […]
Dave Ramsey’s 7 Baby Steps for Your Budget
Baby Step #1: Save $1,000 for Unplanned Expenses I love this step. I always tell my clients to AT LEAST have $1,000 in their savings for emergencies. You SHOULD have 3-6 months worth of bill money saved as well to be very secure in your financial wellness. I personally, have a years worth of bill […]
Brows Are Life
Isn’t it crazy just how much brows change a persons face? I used to have VERY blonde eyebrows. You could barely see them. I literally looked like I had zero brows. I felt extremely self conscious about my face so I decided in 2009 to start penciling them in. Boy was that insane. I thought […]
Creative Ways to Increase Income
Know Your Worth Times are tough right now during a global pandemic and you are not the only one trying to increase your income. Know your worth. You are worthy of money. Repeat that to yourself right now. Just because times are tough now doesn’t mean they always will be. It is up to you […]
7 Retirement Rules to Live By
Rule No. 1: Have a plan — and Follow it You absolutely need a plan — otherwise you’re leaving things up to chance, which is never a good idea. Take the time to figure out how much money you’ll need to live on in retirement and how you’ll save it. One rule of thumb is that you’ll […]
Retirement Plans for the Self-Employed
SEP IRA Solo 401(k)/Solo Roth 401 (k) SIMPLE IRA Payroll Deduction IRA Profit Sharing Best for Self-employed people; employers with one or more employees Self-employed people with no employees other than a spouse Self-employed people; businesses with up to 100 employees Self-employed people; employers with one or more employees Self-employed people; employers with one […]
7 Retirement Options You Should Consider
WE’VE ALL HEARD THE warnings and are well aware that we should save more for retirement. The new year is a good time to resolve to find the best retirement plan to build wealth for the future. Uncle Sam wants you to save for retirement so much that the federal government has created a number of […]