Self Improvement Wise Budgeting

Back in the Saddle Again to Help YOU

Hi Folks,

I am back again to try to help you and your finances. Life can pull us in many directions. I realize now that I am being called to try to help as many people as I can get back on track and help you find true happiness from within. This video lets you hear me tell my story again of my past and how I came to where I am.

Please leave a comment and let me know how I can help you. I would love to send you my first budgeting form I used to get started – if you would like it, please send me an email at and I will get it to you. Yes folks, I am back in the saddle again to help YOU better manage your finances.


Self Improvement Wise Budgeting

Wise Budgeting -The Choice for Your Financial Success

It took me several years of my life and several failures in that time to finally realize wise budgeting is the best choice for your financial success. I wish I had got it sooner, but I have been thinking “how can I help others with the experience and knowledge of trial and error over the years” so they don’t have to go it alone.

It Began With A Realization

As I sat back and thought about this blog, and my experience, suddenly it all became clear. It began with a realization I have developed a valuable skill that can help others to master there finances as I have and without going it alone. It takes time, and a certain kind of love and compassion to get people who are struggling financially, perhaps from credit cards or student loans, or whatever to a place where they can feel in control of there destiny.

First: Set A Mind Goal – You Can Do This!

Together, we can set a mind goal that you can do this, no matter where you are right now. For many, like myself, I realized I was in a state of lostlessness and wondering what was going to happen to me. Then, one day my stepdad made one statement that changed everything – he said “of all the people, I always thought you would be the one to succeed!”

Suddenly I felt I had disappointed him and my mother in some way, and I felt awful, I had to change and I had to do it NOW! He gave me some suggestions, and that night I started on a new journey to change my situation. By the end of the first year from that day, I had my first real A-ha moment ever as I started doing my taxes. I then challenged myself to do it another year, and document the process.

Next: Laying Out The Plan

You see, you have to start laying out the plan for success from where you are TODAY and move forward in a progression of steps over a period; with reinforcement and coaching. I have a lot of information here, but it can be overwhelming just what to do when. I have found that sometimes we can get lost in too much information. For this very reason, I have decided to create a webinar series that will take you from now, step by step through a customized process tailored to your own specific needs.

The Wise Budgeting System In A Box

This webinar series will be my flagship coaching program – THE WISE BUDGETING SYSTEM IN A BOX – and I will be there for you every step of the way to make sure you are following through as I know, like me, you can do this! I have not started the actual series yet, but just want to see how much interest there is in such a program to help you master your finances and stop living paycheck to paycheck over time.. Never in a million years did I ever think I would be able to ever retire from my day job, let alone have my own place. Well, I believe if I can make that happen for me, I can help create a wise budget for yourself as well and see some of your dreams come true.

I will stay in touch throughout the process – and when this course is ready for release you will be one of the first recipients.

Connect With Others – Wise Budgeting Powwow!

In addition I believe it is important to join with others who are struggling for lack of a budget or financial direction, and want to open up a private forum where you can connect with others in a WISE BUDGETING POWWOW! .If you are interested in helping make your idea reality and would like to join WB POWWOW of others seeking budgeting help – click the link below and introduce yourself in the Wise Budgeting Powwow and describe your current situation and where you would like to be in say six months.

So what are you waiting for?  Join the WB POWWOW on Clouthub Now.




Finance & Budgeting Self Improvement Wise Budgeting

Wise Budgeting Begins With Being Empowered with Self-Awareness

My last post was how so many of us are driven by the impression they want to leave. It told how you have to be true to yourself and don’t worry about impressing others. Fact is, they may not even now you. But you know yourself, and you need to realize the only one you need to impress is YOU! Unless you get off that need to impress others, you will always be lost in the journey of your life.

Wise budgeting begins with being empowered with self-awareness. From this point you gain your strength and confidence where good things happen. Let’s begin…

Where Are You Right Now Financially

I thought I was either doing okay or not really sure, I now realize I was lost and no matter how hard I tried to get out of debt – I kept digging myself in deeper. I was living at home with my parents and siblings, afraid I would never really be able to ever live on my own and experience life. In 2008, I remember getting a call from somewhere saying there was a warrant for my arrest and if I did not do as they said they were coming for me. It scared me, and I wrote a note to my little sister before heading out to work that night saying I did not know what was going to happen, but I wanted her to know and share that I loved everyone very much.

A few days later I was out shovelling snow, and my stepdad came out to join me, but not to shovel. He wanted to talk about the note and offer some valuable advice that changed my life that day forward. Years of struggling, I finally realized I needed to get my financial act in order. Today I have my own place, and I owe it all to my stepdad’s wisdom. The one line that stands out today is “of all people, I always thought you and Christa (my youngest sister) would make it in this world.” To hear this really made me take another look at everything I was doing.

Where Does Your Money Go?

Honestly, I had no idea where my money was going or what it was doing. I was letting it run amuck all by itself. I was trusting it, which many of us I think do and realized in doing so, my money got me lost. That night I took out all my bills and receipts and made a list of everything I had bought or paid for to date that month. From this list I was able to assemble my first category of expenses and what I was spending for that month in each,

Then I took and made a list of income I was receiving for the month – I suddenly realized I was living on credit. Credit is future money. This was future money already spent now and it was growing. What was I to do now, I had already got a loan and refused the second time I applied, so I borrowed from my stepdad and to pay him off, I had taken a job waitressing back in October of 1989.

Do You Have a Basic Starter Emergency Fund?

Over the years since I started budgeting I have learned so much about myself. One thing I encourage everyone to have is an Emergency Fund. I am an avid follower of Dave Ramsey, and if you don’t have this – get that basic starter emergency fund in action FAST! He says $1,000; I say you have about $2000-2500 in this fund. Open a special savings or IRA and work on funding this as soon as possible. The feeling of having such an account with cash in it is so incredibly refreshing.

Once you have that in progress, you need to begin framing your basic beginners budget. Understand that a budget is NOT cast in stone and flexible, as you will learn.

Framing Your Basic Beginnners Budget

As you set up the four basic categories for your budget not which accounts are current and which ones are not current. You must bring everything up to current status. This means noting current payments and past due statuses on all your expenses. I recommend starting iwth four folders- each representing on of the four categories of expenses. These categories are:


Wise Budgeting: Are You Ready? Let’s You Do It!

This is the basic journey to wise budgeting that begins empowering you with self-awareness. Knowing exactly what you have and where it is going all the time. Being focused with a new understanding as to who you are and what you want to accomplish for your family and yourself down the road. Wise budgeting lets you do it and follow the right road to financial success to true happiness.

Self Improvement

Forget About Impressing Others: Be True to Yourself

Forget About Impressing Others:

Be True to Yourself

Stop and think through your actions and start being true to yourself. Realizing that you do not need to impress others or be more like your friends is never good, just another series of ploys by the Devil to lure us from becoming our own person. He will use others to move you closer to him, promising you the world to get you to follow him with God looking on to see how you respond.

God is always not far away when we stray from the path of goodness and honest living. However, we just need to ask for his help and desire to be held close on our life journey from birth to death. We will meet and pass many people in our lives, who are there at that moment for a reason. We do not have to understand everything at that specific time, but when God is ready and knows we are ready, that reason will be made known. God is preparing us to be the best we can be so we can enter His heavenly kingdom and have no worries. For in that place God is preparing for us, and we just need to prove are love to Him through this life by keeping his commandments.

Avoid “Keeping Up with the Jones es”

If they want to feel superior and above all, just let them. Do not let them pull you down that proverbial rabbit hole with them  though. Be yourself, and happy with what you have. If they like to show off being the first in the neighborhood to have a brand-new Lamborghini let them, just know the chances are they do not own that Lamborghini, their credit or automobile dealer still does and is allowing them to drive it in exchange for payments for the next several years until it is paid off.

Avoid “Being Cool!”

Real happiness is achieved in knowing you own something right now, and that something is YOURS outright that you earned and paid for with your hard-earned dollars. You may not have the fanciest or most up to date house on the block, but knowing you own it is the best feeling in the world.

Parents will l eave their home to their children more often than realized so they have something they can use as a foundation to get a place of their own choosing by selling and dividing the proceeds with their siblings or by giving their son or daughter a source of their hard work to used to find their own place someday as they move forward and start to think about downsizing for their own happiness.

Be True to Yourself! Make Your Own Happiness

Sometimes we dream of owning our own place someday, and our fear of failure often keeps us from trying. Moving out of the family home is a very scary thing, there is a lot out there to be conquered to

shape your world and be happy in it. We tend to feel safe and secure living in our parent’s world and knowing they are there. Sadly, the day will come when they most move forward when their time on Earth with us is up.

My grandmother uses to say, one day I was a teenager and the next thing I new I was a little, old, gray-haired lady – time does not stand still, and we need to learn to make our own choices and decisions. There is no shame in downsizing or finding a place of your own that YOU can afford. We do not need a big fancy home or the best car on the street to impress others, we just need to be true to ourselves and walk in the footsteps of Jesus to find our way HOME to true happiness and goodness.

Your choices in life will help you budget to make sure you always have enough. You do not need to be “cool” or keep up with anyone else. Be yourself, and just be YOU!

Self Improvement Wise Budgeting

All You Need is a Few Minutes A Day To Budget Wisely

I want to share my first live video I did tonight on facebook.  I promise they will only get better.  Please leave a comment!!

Another tip as you are going over your budget:

Take just a few moments each day to balance your accounts and set aside a small portion into savings. Just 10-cents aday, can grow immensely to pay for something you want in the future and not have to use debt to get it.   When you use cash instead of credit, you own those things outright from the very start!