Category: Holidays

Happy Father’s Day

Speaking solely from a daughter’s perspective….I am thankful for my Dad and the lessons he taught me.  Sometimes we do not learn them during the trial, but when they (the lessons) are needed most we are reminded.  Dad is there during a crisis to comfort us, Dad is there during the joys of life to cheer us on, Dad is there during the sorrow to hold us.  If you have lost your Dad, I encourage you to find a surrogate, not a replacement because Fathers can never be replaced, but that man who is a Godly father-figure to guide, teach, and comfort you when needed.  If you grew up without a Dad, then the surrogate can fill that void.  Do not hold resentment against an absent father, because that only builds up walls and tears you away from true, honest, meaningful relationships.  Begin with a friend’s Dad, an Uncle, an older mentor or work colleague.  The guidance, friendship, and acceptance that you find from Dad is noncomparative to any other.  So whether you are a son or daughter, go hug your Dad and say I love you today…and everyday…be grateful, thankful, and just enjoy the relationship you have with him.

Welcome $ummer!!!

Before you go on summer vacation, take a weekend picnic and hike in the mountains, or a swim at the pool or beach…be sure to plan your budget and stick with your plan!


Nothing upsets your fun like running out of money or missing out on an activity because you don’t have the funds.  So this year, plan before you go…it just makes cents4you!  We are here to assist you would like a coaching call, but the idea is to plan for your trip and enjoy it without stressing about money.

MAY I say….Thanks Mom

Happy Mother’s Day!!!  We are three blessed girls to have great parents who love us, take care of us, and continue to put up with our antics!!  Congratulations on 45 years of a loved-filled, blissful marriage Mom n Dad!!  Love you both!!

MAY 2018 – Gratefulness

I wanted to chat this month about being grateful; so many of us take appreciation for granted and don’t say thank you enough.  Offering gratitude and thankfulness should occur more than in the month of November, in fact it should occur daily.  Be kind to one another, speak softly and gently, think before you say those words…these are not just proverbs or cliches, but wise words to live by.  How can you show gratitude?  Saying thank you is a beginning but you may need to go further, show your appreciation to those around you…Teachers & Professors, Moms & Dads, Grandparents, Neighbors, Siblings and other Family, Friends, Coworkers, Church workers….who would you thank today!  It doesn’t have to be monetary, it could be using words, homemade gifts, or cash/gift cards in a hand written note.

Show you care, show you are grateful…then budget to do it more often for those you appreciate!!

St. Patrick’s Day – Searching for that pot o’ gold

Our first thoughts when St. Patrick’s Day draws near is GREEN!!

Green rivers, green tea, green beer, greenbacks and that pot of gold!  But there is only one sure way to find that pot at the end of the rainbow…to save up for it.  You cannot have funds tomorrow, if you spend all of them today.  My best suggestion is to pay yourself first…so pay 10% to yourself, to your savings, then pay your bills.  With your budget you can see how much you owe and how much you can save.  If you cannot begin with ten percent, then begin with what you can…$5.00 saved today is more than 0.00 that you will promise to put in tomorrow.  The best way to save and not spend the money is to open a second bank account at a separate bank; this makes it more difficult to borrow the funds when you “need” that new something!  If you begin to see your money differently, to see WHY you spend it, then you can change your habits.  If you would like to chat with one of our coaches leave us a message or call us, we would love to explore your road to financial freedom with you!

MARCH 2018 – Are you in the green?

A touch of Irish luck for you today!

As we celebrate St. Patrick’s Day, I want you to remember it is not all about luck…you can control where your money goes, how it is spent, who is spending it?  A budget is not a dirty word or curse, it is like driving between the lines on the highway…it keeps you safe and in control of your vehicle.  It should not be scary to find your pot of gold at the end of the rainbow; it is there, but you cannot find what you are not looking for.  Savings, Retirement, and Budgeting are not hard to discover if you know where to seek, if you know which questions to ask, if you know who to ask…but that may seem like an untouchable leprechaun.

If you are ready for a guide, a navigator, on your financial journey then contact one of our coaches today.  In April we will be taking our live coaching course online and we are preselling memberships beginning 3/25 so don’t miss this opportunity to begin your journey with us at the starting line.  Your financial freedom awaits…take the first step.

Valentine’s Day…how to stay on a budget

Do you find it difficult to stay on budget during any holiday but especially the ones that you love to spend money on others…Christmas, birthdays, Valentine’s Day, anniversaries?  Don’t fret…there is hope!  You are not the only one.  Many people struggle with this dilemma because it is so common and occurs so often.

The best course to make cents4you is to create a spending plan or budget for the holiday AND stick to it!  You have one year to save up for it and then you can keep any leftover for the next year.  Below are the 7 steps on an exploratory journey that I follow to stay on a holiday budget.

  1. Brainstorm your annual holidays, list everyone you want to buy for- include what gift or what event, be creative and enjoy the exploration…involve the person if you need to do so, don’t worry about the budget at this step
  2. Take a look at your personal budget now…if taking your loved one to Europe is not in this year’s budget then maybe that can be a long-term goal…get realistic…set SMART GOALS (Specific, Measurable, Achievable, Relevant, and Timely)…For example you can spend $20 each for ten Christmas gift, $40 for six birthdays, and $100 on your (one) Valentine.  Now you follow the plan!
  3. Open a savings account, it can be at any online or local bank
  4. Add your annual gift giving totals then divide by 12, this is the monthly amount you need to put into your savings account…for our example the total is $540 annually or $45 each month.  Hey that is only one family meal out per month that you stay home and cook.
  5. Stash away the same amount ($45 in our example) every month into the savings account; the best way is by splitting your paycheck using direct deposit…out of sight, out of mind then you won’t miss it.  You can always send more but remember this is not your rainy day fund this is specifically for holidays and special occasions.  Maybe you are saving up for a 10 year anniversary cruise or a family vacation to Disney.
  6. As each special day occurs transfer funds or withdraw from the account, but don’t stop placing the full monthly amount into the savings account.  You are beginning to save for next year.  If you have multiple birthdays in the same month and feel that your account will be drained then you could plan to save faster with larger amounts, try doubling the monthly funds if your withdrawals will come quickly in the first year of planning.
  7. Enjoy the day..don’t stress over didn’t put it on your credit card..your bank account is not drained..and you are still debt free!! (If you can responsibly utilize the rewards of a credit card, then yes place the special day on it BUT remember to pay it off on the due date…better yet as soon as your day is over.  Now you have zero on your credit card and you have the rewards; that makes cents4you!!)

Allow your Valentine to take your breath away not your money this February…enjoy today and plan for next year…stress free!  If you would like to learn more about a personal plan contact our coaches today for a free phone consultation.

FEB 2018 – Love and Money

Who holds your heart?  Where is your treasure?   What do you love??  For the love of money is the root of all evil…I Timothy 6:10…but what does this really mean? Below I have listed four different Bible versions, just different ways to say the same idea in a way easier for the current culture to understand…and I want to elaborate on the idea behind this phrase.

For the love of money is the root of all evil: which while some coveted after, they have erred from the faith, and pierced themselves through with many sorrows.-The King James Bible

But if it’s only money these leaders are after, they’ll self-destruct in no time. Lust for money brings trouble and nothing but trouble. Going down that path, some lose their footing in the faith completely and live to regret it bitterly ever after. -The Message Bible verses 9-10

For the love of money [that is, the greedy desire for it and the willingness to gain it unethically] is a root of all sorts of evil, and some by longing for it have wandered away from the faith and pierced themselves [through and through] with many sorrows. -The Amplified Bible

[For] The love of money causes [is the root of] all kinds of evil. Some people have left [strayed/wandered from] the faith, because they wanted to get more money, but they have caused themselves much sorrow [and have pierced themselves with many pains]. -The Expanded Bible

During this month when most focus on love toward one another, I want to take a deeper look into why the love of money, or as the writers have mentioned the lustful greediness of money, is such a powerful aspect of our choices in life.  I have used the acronym LOVE to elaborate my points:

L  = Lusting after what we do not own, coveting another’s gifts or possessions
O = Ownership well the lack there of, not taking responsibility for your own actions and choices and accepting the consequences good or bad that follow
V  = Vindictive, Vengeful mean-spirited towards others when you feel like you don’t get “what you deserve”…what if you did get what you derserve…would you be satisfied or surprised?
E  = Exchanging one bad habit for another – you cut spending in one area but overspend even more in another area, or you stop smoking only to replace it with over eating, you stop watching 10 hours of TV per day to replace it with playing video games online until the early hours of the next morning

We all have negative thoughts, bad habits, or something (we see) wrong with us…hey that is what makes us human right?  But you cannot dwell on the have to keep your thoughts and mindset positive, looking toward a hopeful future and a bright tomorrow. Phillipans 4:8 says to think on these things:  “whatsoever things are true, whatsoever things are honest, honorable, and worthy of respect, whatsoever things are just and right, confirmed by God’s Word, whatsoever things are pure and wholesome, whatsoever things are lovely and brings peace, whatsoever things are admirable and of good report; if there be any virtue, and if there be any praise, think on these things continually, center your mind around them and implant them in your heart.” (KJV & AMP mixed)

There are five steps you can follow to overcome this unhealthy, unloving mindset.  I use the acronym MONEY to remember the steps:  Mindful, Open, Necessary, Exchange, Your (rewards)

M = MINDFUL, Stop and think before you purchase, before you make a choice!  Don’t buy or choose on impulse or under pressure from anyone; save for big items such as vehicles, homes, weddings, vacations, etc.  You will enjoy yourself (on vacations or in everyday life) and find that you are more relaxed (able to think and focus) if you know that you do not have a huge debt overhanging you while you soak in the rays on the beach or glide downhill on the slopes, or even just enjoy a movie or game on the couch.
O = OPEN, honest communication with your spending partner and with yourself is a must.  Why are you spending your money or buying this particular item?  Is it attached to a memory, does it bring you good vibes or pleasure?  Can I buy the nonbrand name; I know there are some items that you have to buy Brand X…but not every item on your grocery list…really???!!! Being candid and truthful can save you hundreds of dollars, not to mention the sanity and freedom of weightlessness from debt.  Don’t allow debt to hold you as its slave!  Create a list before you leave the house and stick to it; you can do it.
N = NECESSARY, do I really need this or do I just want this?  Do not rationalize an unnecessary purchase because everyone has it or it’s the newest gadget, or this is so last year’s color scheme and I have to wear this if she is wearing this.  If you really want it then save up for it, or ask for it as a gift…you have a birthday annually ask your friends to offer $10-$30 towards your NEW HIGH PRICED ITEM then invite them over to enjoy it too.  
E  = Exchange boredom or bad buying habits for new positive ones: take a walk, solve a puzzle, read a book, take a nap, play with your kids, exercise, romp with your pet – notice they are all free activities.  You can also cook more meals at home, go to a the park or a concert, drive to a friend whom you haven’t seen in a while…get outside and enjoy the Vitamin D it is not only healthy but takes away the boredom purchase urges.  Make a plan and follow that plan.
Y = YOUR rewards for reaching the goals you set, for paying off that debt, or to just energize yourself; they don’t have to cost a cent or they can be low costs such as ice cream cones, a weekend with friends and family without working, a visit to a local museum or historical site, a movie and dinner at home while the kids visit friends.  Get creative and allow everyone to be involved; launch the reward when you set the goal and countdown to the day of celebration. Who knows it might arrive early.

Making your money work for you, not for you to work for your money, just makes cents4you!  Implement your MONEY steps to overcome the LOVE of money and reset your thinking!  If you would like one of our coaches to encourage you more or to show you how to create a personalized spending plan and build new habits, contact us today to schedule your free phone consultation.  We offer evening and weekend follow-up appointments upon availability.

A NEW YEAR…making cents4you

This year as I reflect on accomplishments, learning opportunities (aka failures) and the changes that affected me and my business…I am content with my choices.  I am moving closer to long-term goals, letting go of the past, and moving forward into the goodness the LORD has planned for me.  For the upcoming year I choose to be INTENTIONAL with every choice that make; if it does not bring me closer to my goal…then it doesn’t get completed!  I have created a one year plan but I am breaking that into 12 week goals and action steps.

If you would like to join me on this journey then stay tuned and follow my blog.  Be sure to like Cents+Ability Financial Solutions on Facebook and look for more from us in Twitter this year.  We are also launching our three month coaching course online this Spring…keep looking for the date!  You can begin purchasing pre-sale membership soon!!

From all of us at Cents+Ability to you and your family…Have a blessed New Year!