OCTOBER 2016

As Fall arrives, many begin thinking about holidays…Thanksgiving, Christmas, New Years! I want to challenge you to have a holiday budget. Begin now and save for 13 months for next year! You may say I don’t need one, but can you tell me in the next 3 seconds how much you spent last year on …

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SEPTEMBER 2016

As kiddos go back to school then it is time to begin thinking about learning, football, and homework. May I suggest a fun activity to do at home with your kids to teach them not just about money but how to utilize it wisely: BUDGET JARS! They are simple and inexpensive to create; you can …

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AUGUST 2016

Can you believe that 2016 is half way over??!! You may feel that it is too late to begin taking control of your money through a budget, but it is never too late. Today is the day to start reaching your goals for tomorrow. Do not wait another day, another hour, another minute. Write down …

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JULY 2016

FREEDOM! I am thankful for the freedom found in the United States, and I am grateful to those who have given their lives so I could enjoy this freedom. You can also experience financial freedom…break the chains of debt and strife. Communicate with your spouse about money before either of you spend it, Set limits …

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JUNE 2016

This month I want to remind you to say thank you to your Dad! This man is the one who taught you how to throw a ball, hugged you when you fell off your bike, walked his daughter down the aisle, or cried watching his son take his bride’s hand. Sometimes we give mother’s all …

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MAY 2016

We are celebrating new phases in life with you…whether it is motherhood or graduation. Creating a budget before stepping into a new a phase…just makes cents for you!  A budget is not a static, one-time, one-size-fits-all solution.  Your spending is different in March then in December, so should your budget be.  You can begin with …

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APRIL 2016

This tax season review your refund, you could be taking out too much.  Maybe you should lower your paycheck federal withholding so your take-home pay is more throughout the year…it makes cents for you!  Why allow the government to “save” your money when you could keep it and earn your own interest or buy that …

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MARCH 2016

Spring into action today!  Now is the time to make cents for you.  Do not wait until tomorrow.  Debt can be overwhelming and without a plan to climb out, you can get locked up in this prison.  Freedom from this prison can only be found by taking one step at a time to reach beyond …

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FEBRUARY 2016

Love yourself…pay yourself first!  When creating your budget, don’t forget to include SAVINGS.  Before you budget for bills in the present, you should budget for future needs.  The goal is to pay yourself ten percent of your take-home income; place that number in your budget.  If at the end of your budget, you are negative, …

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JANUARY 2016

Happy New Year! Begin a new year with a new you and a new budget.  First offer the Lord His 10% tithes, then plan out your monthly and annual bills and debt payments, with any surplus remaining put 10% into savings. The excess surplus over ten will be used to pay off the debt faster. …

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