4 Tips to Saving on Valentine’s Day

Chocolate covered strawberries, heart M&Ms, red roses and tons of jewelry commercials are all indicators that Valentine’s Day is quickly approaching. From last minute floral deliveries to quick Kay’s Jewelry shopping runs, Americans spend over $18 billion on Valentine’s. That’s billion! To minimize the need to get into more debt to impress (or even remember) the love of your life, here are four tips that will help you save money and eliminate the need to create more debt.

Plan ahead.

Unlike, Easter and other “floating holidays”, Valentine’s Day is on the exact same day each and every year—February 14th. So, it should not be a surprise each year when February arrives; therefore, when creating your January budget, make sure you include a line item for Valentine’s Day. By allocating funds to this day ahead of time, it will not only help you remember this special day is forthcoming, but will allow you to properly plan for it, thereby, reducing the need to overspend.

5 Steps to Setting & Executing Goals in 2018

It is 2018 and it is snowing in Savannah (a rarity)! It is during this season, however, where we set our goals for the year as a means to help in decision making and to aid in ensuring we are getting things accomplished as a family and individually. Why is it important to set individual as well as family goals? According to a specialist from Consumer and Family Economics of University of Missouri Extension setting family goals aids in building stronger families. “Goals strengthen the family’s ability to function and live their dreams” as well as provides guidance, aids in better communication and helps individual family members take greater control of their circumstances (http://extension.missouri.edu/bsf/goals/).

We want to be very intentional in our faith, family and finances and the best way to be intentional is to PLAN IT. Success does not just happen; it has be planned. So with God, good intentions and a plan in place, here are the 5 Steps We Implement to Set & Execute Goals Each Year!

6 Ways to Stick to Your Budget During the Holiday Season

November and December are the highest grossing months of the year for American retailers. Last year, holiday sales topped $655.8 billion. This year, “the National Retail Federation projects sales to increase between 3.6 and 4 percent for a total of $678.75 billion to $682 billion…” (NRF.com). Billions of dollars are spent on gifts, food, and “catching sales” all within a period of 45-60 days!  Although I love to spend, spending has created a ton of stress, arguments and massive debt for our family; as a result, we learned early in our marriage to create a spending plan during the holiday season.

Here are six things you can implement over the holidays to ensure you spend what you HAVE not just what you WANT.

3 Books to Read Before the Year Ends

When was the last time you read a good book? And not just any book, but one that motivated you to do better, be better and live better? As we enter into the fourth quarter, why not end the year with some great books that will encourage you to finish what you started, give you tips towards financial freedom and encourage you to live your best life. Here are three books that will inspire you to end 2017 with a BANG!

FINISH, by Jon Acuff

This book is the sequel to “START” which is one of my favorite books. If you habitual START a project, a task, a goal, but for some reason end of quitting within weeks of starting (i.e. New Year’s Resolutions), then this book is for you! Finish: Give Yourself the Gift of Done!



3 Steps to Living Your Best Life

Are you living your best life? Do you wake up each day ready to encounter new opportunities, ready to conquer daily challenges and determine ways to be a better version of yourself? Or do you get depressed every Sunday night, dread waking up each Monday, and live for the weekend only to start the cycle all over again on Sunday evenings? If the last sentence sounds like you, guess what? You are not alone! According to a Forbes article, only 13% of working people are satisfied with their jobs. Which means 87% of employees “are emotionally disconnected from their workplaces and less likely to be productive.”

So, if you do not like your job, your finances, or your overall life, what can you do? Change! And not just change as in give up or quit, but as in do something about it. Many of us consistently complain about our current situation and that is all we do…complain! Complaining will not change our situation. It only allows us to focus on the negatives of our situation and not the positives.

Want to begin to create your best life? Start here…