Monday, September 1, 2014

Beautiful In Every Shade

Hello blog family. It has been a while, I know. Life is still going and the world is still spinning. Many things have changed and I promise to blog about them all. will NEVER be what you think it should be.

image from 

Change is the only constant.

For now, I will leave you with this. I attended a book festival and had the pleasure of participating in this project. I can't wait to see if I end up on a poster. Ha!

But for real, I love projects that try to get people to be comfortable in their skin. Now being comfortable in front of a camera? Not so much...

Until Next Time,
Peace & Blessings...

Thursday, June 12, 2014

Paying off Debt (Part Three)...Free Seminar

It has been a little while since my last post. I took a vacation of a lifetime but more on that later. (Yes, I paid cash and no lingering debt from the trip, but more on that on a later post).

Photo credit
I mentioned in the two previous posts about getting my budget done and attending a few seminars that gave out valuable advice. There is another free seminar scheduled. This is not one of those seminars that bait and switch. He does not get you in the door and try to upsale you. The seminar is free, the information is free. Take a pad and a pen and take notes.

No, I do not get paid or earn a commission from promoting. I attended a few seminars over the years and the lessons helped me tremendously so I am passing it along. Usually they are held on a weekend but if you can swing it I highly recomment that you attend.

From the registration web site:

Mastering Your Wealth - Is powerful life changer, this seminar show your how to eliminate debt, build wealth and secure your financial future.We believe that there are  basic steps that will start you on the right road to understanding your financial freedom. Wealth building is a result of organization, proper planning, and self-motivation.

Learn the following:
1. The first step to building wealth is the decision to do so. Set a goal and then you can begin mapping out a strategy to achieve it.
2. Money begets money. When you save and invest a portion of your income, you will begin to reap the benefits of money at work.

3. Eliminate debt in a systematic way that allows wealth to be created.
4. Earn interest ...don't pay it. Put your credit cards away, except for emergencies, and reduce your installment debt to zero. This will help you begin to pay yourself rather that your creditors.
5. Finally, put time on your side. If you have ambitious financial goals, one of the best moves you can make is to start saving as soon as possible.

Register here:

Until Next Time,

Peace & Blessings...

Monday, April 28, 2014

Paying Off Debt (Part Two)...The BEST Advice I Ever Received

After my last post I know everyone bought the book, listened to a few of the podcasts and made themselves a budget, right? Yeah, I know but I had to ask.

The BEST advice I ever received for paying down credit card debt I heard on the radio. Yep, I said the radio. Since the radio is public domain I am hoping that person doesn’t mind me sharing it with you.

Actually, I first heard it in a wealth building seminar and then I heard it again (same person) on the radio a few weeks ago. Here it goes:

People advise that you pay extra on your credit cards every month to pay them off faster, right? A few years ago credit card statements started including information that etimates if you pay an extra X amount a month, you will have your balance paid off in X months/years.

Don’t do it. I repeat do not do it!

Let me explain…

Let’s take a nice round number and say you have a balance of $1,000 and you are sending extra which makes  your monthly payment $100 a month. According to the credit card company, you might have your card paid off in about 4 years right?

Here’s the math $100 month X 48 payments = $4,800 total

You just paid them over 4.5 times what you ‘borrowed’ to call it even.

The solution?

Pay the minimum. 

Yep, pay the minimum and save the extra.


Because if you save the “extra” instead of paying it to the company you can actually pay it off in 10 months. Here’s how:

Let’s say you can pay an extra $100 a month. Take that extra and save it. SAVE IT! 

What is $100 X 10?

You got it! $1,000

And how much was that bill?

Yes… it sure was. $1,000 total.

It sounds so simple after you think about it. It sounds so elementary when you realize that you are throwing your money away paying a little extra a month while the credit card company is adding interest on your balance monthly. A balance that is barely moving.

But what about the interest while you are saving and paying the minimum? Does it really matter at that point? No, because you have enough to pay it off…in less than a year (depending on your individual budget).

That is the best advice I have EVER received about paying credit card debt and revolving debt PERIOD! I remember everyone’s face after he finished explaining it. We were all looking at him like he had lost his mind but the next day I started a savings account to pay off those last two damn credit cards!

Where do you get the “extra” to pay it off? You can find it after you do that budget we talked about in the last post.

Until Next Time,

Peace & Blessings...