Categories
About Try Budgeting with Donna

About Learning to Budget Wisely

Are you struggling financially, living paycheck to paycheck, and still facing concerns about what your life will look like unless you change – well folks, you are NOT alone.

 

YES, I HAVE BEEN IN YOUR SHOES…

Realizing later in lifetime was passing by and I had been focused on working to make ends meet and paying off my mounting debt that started when I was only 19 when I got my first card after inquiring “how does one build credit?” Once you start on the credit avenue it is easy to get lost in debt, and keeping up can be time-consuming. Most of my life was a roller-coaster ride, and then one day while shoveling my stepdad came out and said something that really changed my life, One line still rings out, “Of all people, I always saw you as one who would be most likely to succeed in life.”

This line triggered an immediate thought, “Had I disappointed him and my mom?” I felt awful and from that time on my life changed. Suddenly I realized I was close to retirement and felt I was not prepared. Where had the time of my life gone? I missed out on family and children.

 

WHY I WANT TO HELP PEOPLE

I had to pickup the pieces from that point and reorganize the rest of my life and instill quality and purpose. Immediately I sat down and figured out what I had, and put together a list of all places my money was going. I realized what people need to live independently full lives over 55 is a budget, and if I had learned this sooner, I know I could have amassed a healthier financial picture. As I worked on my own budget, I suddenly realized I cannot be alone and now I am inviting others who have been through similar or worse an opportunity to try wise budgeting with me to work toward a better life, independent and built a healthier financial life style.

 

THE GOAL OF THIS WEBSITE

While this program is geared to people over 55 struggling with the feeling they may never be able to retire – I invite younger people to join to witness how if they are going down a similar path, they still have time to change their path for an even brighter and fuller financial picture later in life.

Please share YOUR story now and let’s try some wise budgeting with me (Donna) to rebuild your life and create new dreams for a more independent and successful retirement.

If you ever need a hand or have any questions, feel free to leave them below and I will be more than happy to help you out.

All the best,

Donna Beals

Founder of “Try Wise Budgeting with Donna

Categories
About Try Budgeting with Donna Wise Budgeting

About Try Wise Budgeting with Donna

Welcome to my blog, “Try Wise Budgeting with Donna”!  It opens new doors and friendships with others in the same situation or maybe even worse. This is the place you will learn that it is our choices in life that lead us to the outcomes that come about. If you have made bad ones, Wise Budgeting can help turn things around.

You Are Not Alone!

Perhaps you are wondering how you got yourself in such a predicament financially.  Well, I am here to tell you that it is not your fault.  Society itself is to blame.. Money for many of us was a taboo subject in many households. Children often grew up thinking about how their family had it all and had no financial worries.

Then we grow up…

Well, This is My Story…  

I am Donna Beals, founder of “Try Wise Budgeting with Donna”.

I had been out of high school a year or two and working with my stepdad at his place of business.  One afternoon on the way home I asked him, “How does one go about getting good credit?”

It was then he pulled into the Rockland Trust where our family banked, and he got out and went in to talk to the bank manager.

He then came out and got me, the bank manager had me fill out paperwork and I got a personal loan of $200.  I was to hold onto it and after a month when I got my first statement I was to pay it back and they would send me my first credit card.  To maintain good credit, all I had to do is never go over the $200 limit and pay it off every month I got the statement. It all sounded quite easy. I was doing well.  Then I started getting mail from credit card companies inviting me to apply for their cards.  At one point I had over 12 cards and realized I was over my head.

This was the first of three times I would stumble, each time deeper and deeper.  I decided to go talk to the Branch Manager, Sandy Ellis, of the Rockland Credit Union where I had automatic savings taken out of my payroll every week and ask for a personal loan of $5,000.00.

Well, when she called and told me I had been approved I was elated.  But one thing stuck in my mind, as she handed me the check, she warned me – “be careful, you will probably be back again for another loan.”

Three years later, I was back at the mercy of my credit cards. This time my stepdad gave me a loan that I had to pay back, as I was declined by the bank for another personal loan.  It was October of 1989, I realized I needed to do something to get him paid off – so I talked to my mother and we went to a local restaurant in the Mall seeking wait staff.  Their I applied for a part-time job as a waitress.

I got him paid off within the first month and decided to stay on through Christmas. Well, it has been a long Christmas season – I am still there thirty years later, two nights a week.

Then in December of 2007, I stumbled head over heels one more time in debt.  I remember getting calls of the threatening nature and feeling scared, little did I know at that time they were just crank calls to try to get my information.  I remember emailing my youngest sister I was scared and telling her if anything happened to me, I wanted her to let everyone know I loved them.  Then I proceeded to work.

It was the end of January 2008 and it was a snowy morning work that had been delayed starting at noon.  I was out shoveling, and my stepdad came out to join me.  He sat on the wall and said how my sister came and showed me the note a week before I had sent her and how it upset her.  At that moment he asked me “Are you involved with loan sharks?”

I was quick to respond, “No!”  And then he told me a story of how my dad got involved with them and how he had to leave mom, my sister and me to protect us. How one can never go back home or have any connection with family again.

This scared me!

That night I took his advice and decided to get all my financials in order. It was quite an undertaking. Suddenly I realized I was in a state of loss, as I organized my debt and income into categories and set up a plan to get all paid up.  A year later as I sat getting ready to do my taxes I realized, I had achieved my goal!

Now, could I do it all again?

I took the next year and documented my progress and steps to financial success; and yes – I had done it another year.  Another five years, and I was still seeing my finances improve.  I called my progress an “Alpha-Omega Advantage” and in the fall of 2015, I decided to start a small meetup group on Tuesday evenings from 7-9 pm in the local Panera Bread.

I started 2-3 blogs, but they kept changing – then I found Wealthy Affiliate and decided to get serious on helping others struggling financially and here I am today with my latest blog, Try Wise Budgeting with Donna, helping unveil the secret to financial success that was never before talked about in our families.

Do you know what that secret is I realized?

Join our community and learn the secret that was never talked about in years past. The secret that can help brighten your future.

Won’t you give it a try TODAY?

Subscribe today to https://trywisebudgetingwithdonna.com