Financial Empowerment – My Road to Financial Wellness

The following blog post is part of The Road to Financial Wellness blog tour. The Road to Financial Wellness is a three-month, grassroots campaign promoting financial empowerment on a national level and encourages people to pursue their dream lifestyle. Find out more about local events near you.

This coming September will mark for me the 20 year anniversary of starting my journey to my financial empowerment. Sometimes, the best things that you will ever do are born out of times that are fundamentally the worst times, such as when you are hurting emotionally and financially and are desperate for control when tough roadblocks occur in your life. That’s what happened to me in September 1996.

Financial Empowerment - My Road to FInancial Wellness

Back then, my 25-year marriage had just ended, my divorce became final and I was at my low point in every part of my life from job to family and of course, my financial condition. After a divorce, the division of assets doesn’t leave two halves but rather a pretty big financial hole which means a lot less for everyone involved. You can do one of two things it seems. Either you can wallow in self-pity and think you’re destined to be in that mess forever or you can decide that you can do something about your problems and start to find ways that you can take control again of your financial well-being. It may not be simple and easy, but it can be done.Continue reading“Financial Empowerment – My Road to Financial Wellness”

How NOT to Get a Raise at Work

Money makes the world go round. At least that’s what we seem to think. So when you go to work, the big reason is most likely to earn money. And you want to get as much money for your work as you can. Therefore it seems logical that you want to learn how to get a raise at work. But what if you are trying your best, and you just aren’t getting anywhere?

How Not to Get a Raise at Work

You feel like you work hard and you deserve that raise. After all, they gave Dave a big raise and a promotion and everyone knows he’s not half as smart as you. So why not you?  What did he do that you didn’t do?.  You did everything they asked you to do and you always do. You‘re a model of consistency, you show up every day on time and you never miss a day. What’s the heck is wrong with them? Can’t they see you need a raise?Continue reading“How NOT to Get a Raise at Work”

How You Can Live Comfortably on $45/Day

I know I sometimes make myself crazy thinking about money and how I might earn more and spend less. I don’t think I’m really any different from you though. If you’re a lot like me and everyone else who does pretty much the same thing, I want you to consider something. Are you already thinking about things like getting a new a job or a better job?  Getting a raise in pay? Earning a bonus? Winning the lottery! Whether you are 18 or 80, money is a huge factor in our thoughts, dreams, and lives. But the real question to me is “how much do you really need?” Can lots of money really guarantee your happiness? Maybe you’ll be very happy and then again…maybe not.

How to Live Comfortably on $45/Day

If having lots of money makes you happy, then by all means you should go for it. Figure out all the new and best ways you can earn it and perhaps you will fulfill every dream you have ever have dreamed. Wouldn’t that be great! Having money is a way to fulfill your greatest desires for not only for a great life for you, but it can be blessing to help others who aren’t able to make do because of their own problems and misfortunes. You can help yourself and others and that’s very cool.Continue reading“How You Can Live Comfortably on $45/Day”

You May Think That You’re Frugal…But Where Does Your Money Go?

We all like to think that we have total control of our money, don’t we? We certainly know our salary if we get a weekly paycheck and we also know about those monthly dividend checks, part time side hustles and other alternative sources of income that we receive like tax refunds, rewards from our credit cards and gifts for birthdays. You may even feel you don’t need any advice or input on your finances and you’re doing just fine. But where does your money go?

You May Think That You're Frugal, But Where Does Your Money Go?

The truth is that people, no matter how good they are at their finances and no matter how careful they think they are, do “slip up”. That slip up can be a once-a-month thing when an urge to spend might just be so strong and the want so intense that you can’t say “no” and give in to it. Or it can even be just a bad habit you’ve formed that occurs each week or even worse every day. It can be looking only short range and not thinking about the “big picture”.  These “drips” a little bit at a time are like having a leak in your plumbing that’s so small you don’t notice it. But it’s there and it’s doing damage to your finances just like that leaky pipe can do to the walls, floors, and foundation of your home. Don’t think you have a leak? Let me ask you just a few questions then.Continue reading“You May Think That You’re Frugal…But Where Does Your Money Go?”

Real Things People Do at the Bank That I’ll Never Understand!

For almost 10 years I worked in banking and did everything you can do there. That included the role of teller, when I had to help out there, as well as “platform person” to open, close and manage our customers’ accounts. Then there was my primary customer interaction of selling all kinds of bank products and giving financial counseling that included advice on mutual funds, investments, retirement accounts, and loans like mortgages, personal, auto, and refinancing.

Real Things People Do at the Bank That I'll Never Understand!

Being a Bank Branch Manager is a real eye opener in finding out just how little people know and understand about their finances. (click to tweet)Continue reading“Real Things People Do at the Bank That I’ll Never Understand!”

eBay and Craigslist: How to Flip Things for Profit

Awhile back I wrote about how to sell things at the flea market, but there are higher tech solutions! Anum Yoon gives us tips to sell online in today’s guest post.

Are you a born bargain hunter with a house full of stuff you can’t throw away because you might need it some day? If so, you might be sitting on a source of income that’s just waiting for you to tap into.

eBay and Craigslist: How to Flip Things for Profit

You’ve heard of flipping houses? It can be a lucrative business if you have hundreds of thousands of dollars you can afford to tie up for months, while restoring and then waiting to sell a home. But for those of us who aren’t quite there, flipping items on a smaller scale can net a pretty profit if you do it right.Continue reading“eBay and Craigslist: How to Flip Things for Profit”

Life or Debt: The Help You May Need to Face Reality!

Every once in a while, if I’m lucky, I stumble onto something that intrigues me and I feel like I must share it with you. That is exactly what I’m doing today, when I share the surprise I had in discovering the new reality TV show “Life Or Debt” last month on Spike which airs Sunday nights at 10 pm Eastern.

Life or Debt: The Help You May Need to Face Reality!

The show is a reality show in the truest sense possible. It deals with real life, real people and real problems. It’s the kinds of problems that most of us have dealt with at some point, but in this show it’s magnified with a huge lens that puts the problems under the microscope for all of us to view.Continue reading“Life or Debt: The Help You May Need to Face Reality!”

Retirement Realities That Will Shock Your System

When you are in your 50’s and are thinking about your retirement and all the pleasant thoughts of having your time be all your own, you may be in for the shock of your life! I tell you this so that you react now and don’t wait a minute longer to prepare yourself for the retirement realities that may be just around the corner.

Retirement Realities That Will Shock Your System

Even if you are 40, or even 30 something, and you think retirement is a goal that is close at hand for you, you should know more about what waits in retirement that perhaps you think can’t or won’t happen to you. For most of us, 50 is a toll booth that stands between you and the path to a financially happy retirement in the sense that it’s a mile marker and it’s up to you to make sure you have your “easy pass” ready to meet the toll collector. It’s not too late to reach into your pocket for the exact change and make sure that you don’t have to get off the road and travel the long way towards your peace and contentment.Continue reading“Retirement Realities That Will Shock Your System”