Never to Late for Success Self Improvement

Restructuring Your Life – Key to Personal Freedom

Restructuring your life is the key to personal freedom. One thing this pandemic and staying home this year has done is given me time to think about my life and the things in it. When we want something, we too easily turn to our credit cards. Well, it only leads us to more cards to move what we owe back and forth from card to card always paying our debt with the tools that keep us in debt and rising interest.

Ask yourself – “What is your dream?”

The money we are making TODAY must go to those habits of our past, instead of our future hopes and dreams. Ask yourself – if you are older like myself, “What is your dream for life as you get deeper and deeper into your Golden Ages?” If you are younger, you have more time to build a solid reserve for your future life where you can enjoy and work less or not at all, ask yourself – “What are your dreams for retirement someday down the road?”

You must suffer a Bit Now to Reach A New Level of Happiness

Believe me, that “someday down the road” is a lot closer than any of us realize when we are young. Restructuring your life  now is the key to your personal freedom and happiness. One day you wake up and realize you are not young anymore. Oh, you may still be able to do things, but not as you did in your past years. You begin thinking cautiously and slower, but still achieving the result eventually. Well, you can change all that – but you must suffer a bit now to reach a new level of happiness.

The choice is OURS!

As I opened my bills and started planning my next month budget, it was my Home Depot (HD) bill that made me stop in my tracks. You see, I had needed new energy efficient windows and they have been great. HD was offering at the time a 0% interest loan for 24-mos and thinking blindly I could pay that off and avoid interest I went ahead – but learned

I could only pay slightly over the minimum due each month. Oh yes, it is great for the economy but not so great for us consumers as we become as slaves to the lender always indebted to those who offer us great deals.

Rationalizing Can Fall on Deaf Ears Causing More Stress

Well, mid60’s is not old, but not young either, or HD was not listening as I tried to extend this offer due to the pandemic to eliminate the interest to give more time. I even applied for a new Discover card, thinking I would move the balance over but was not given that much credit to achieve this. Alone, and worried, I turned to my faith and asked for help. The more I stared at that HD bill I realized how 0% over 24-mos does not mean there would be on interest during those months unless you are lucky enough to be able to pay it off. It is an extension of lending that keeps us under the lenders control. With the 24-mos up, they released all the interest promised in one lump sum as I stared at the over $1,000 in interest added to that new bill for next month.

Ask! New Doors Will Open

One morning I awoke to a call from Freedom Debt Relief responding to a prompt left in my searching for an answer to this problem. They made me realize just how much interest I would pay towards the debt by merely making minimums each month and would be well into my 80s before paying it all off. I felt a peaceful feeling that God sent this call to me, and decided it was time to act. The caller showed me how in four years I would graduate from the program with six debts paid off under the program. However, I also realized I would have to take a BIG credit hit doing so, was I willing to take this risk. YES! I would turn over six of these creditors to this program for a small, achievable monthly payment and they would handle these creditors for me so they all would get paid in this period, but in a slower easier means.

Be Willing to Take the Risk

I still could keep the 3-4 remaining cards if needed and learn to manage them as well in this period. Even though I will take a risk of a big hit to my credit score – the end result is worth it to me, to see those creditors paid off under the program and learning how to manage and save with only a couple cards that I can control.

Over the next four years as each of those creditors are paid off and I pass another hurdle, I can look down the road and begin to see the sunset at the end as I move into a new decade with more freedom. If only I had realized this when I was younger, and this had been part of my education growing up, I could have imagined even greater things in my golden retirement years. But I am satisfied thinking, at least I will have a chance to have some years ahead to enjoy with less stress and pressure of being a slave to so many lenders.

Seeking, You Will Find Serenity

Use this time during the pandemic to focus on clearing your path and seeing new goals ahead in your future. There is an  answer to all problems or stresses we face in life, a necessary part of life, that we cannot sleep away and ignore. We must be willing to take certain risks and be different, to solve what we are living in now to reach the glorious sunset awaiting us in our future.

Is there something in your life causing you stress and misery?

Get up, prepare to restructure your life and face it full on with new vigor as I am with my creditors, seek the answers you need to chips away and conquer this massive edifice before you to block out YOUR sunlight and realize there is a glorious sunset waiting for you on the other side. To a creditor I realize four years can seem long, but to me it is worth it to finally have the freedom from the chain of debt and despair. I will share my journey with you, and hope it gives others the courage to be a little different in conquering their obstacles for happiness to reach their golden sunset and be able to do all the things they dream of in their golden retirement years.

Now it is Your Turn!

Please leave a comment below and share whatever it is that is holding your back in life and let us set a new ritual to getting past whatever it is. The answer is not ignoring and sleeping life away, that is to give into the obstacle. Be willing to take a risk and seek help – you too can look forward to graduating with me as we slowly see that golden sunrise in our future and experience life with more meaning and passion.


Finance & Budgeting Home-based Businesses Self Improvement

Home-Based Businesses Are For Everyone

You are the steward of the life God gave you. You need to work hard to identify what expenses you have and what you have coming in. Categorize it into categories – current monthly bills you need to pay to keep a roof over your head, food in your stomach, clothing on your back, and heat to keep warm. Next your true bills and these are all the other bills you pay either monthly, annually or one-time. Lastly you add in all your debt smallest to the largest balance owed. Once you get those all together, put Tithing at the very top over it all, followed by YOU!

Reality is not always as we think it should be                                                                                                                  

You can retire on and collect a pension the rest of your life. If that is all you have, you will struggle for the remainder of your life. You need to have a home business to supplement your income. Listen to this video and your will understand the secret to success. Dr. Lynn Richardson understands from her personal experience just as I have, and we are continually working on our financial education to get better.

You need to make YOURSELF a home-based business                                                                                       

Small businesses are the essence of rebuilding the economy. Home-based business are small businesses that anyone can get involved in – there is not age limit, it’s not sexist, and it does not discriminate. One thing I have come to realize during this pandemic is how we need to learn to get better at managing our finances no matter how old we are. Sole proprietors, independent contractors, freelancers make perfect home-based businesses that everyone can do who want to learn and follow the rules from document everything. Bet you didn’t know that you can get back all their money you put out just by being a home-based business.

Ask yourself the question, and give it purpose

What do I do? I am a financial consultant, doing business as Wise Budgeting with Donna, to help you take better control of your personal finances and help you to take control to make every dollar work for you. When you subscribe to my website here, you support my endeavors and are willing to be coached to learn more about your money and spending habits. This is a great time to help you learn to move forward in this pandemic that will help you do better when we go back to our new normal normalcy.

Now it’s your turn…

Now go watch the video here. Subscribe to Wise Budgeting with Donna, and be willing to learn from the best – we will have classes here eventually, but for now why not check out all Dr. Lynn Richardson’s classes and resources at –

Product Review Self Improvement

Zoom – Rising with the Times

As we become more and more isolated in our homes, the video presentation companies are seeing a rise in their industry. Lets take a look at one – Zoom, that is rising with the times.

Current Trends for Zoom Communications

Trend for this company is up by 160% as of this writing. More and more are finding ways to connect their business and social life around the Zoom platform as it is the easiest to maneuver for most people and be able to connect to.

What is Zoom?

Zoom is a remote conferencing service that combines video conferencing, online meetings, chat, and mobile work around from home with other members of your team or community. It provides video communication to conference remotely. This company is based in San Jose, California. It was founded by CEO Eric Yuan in 2011.

Hide Your Messy Living Room or Office with Virtual Backgrounds

In your Zoom app click on your profile in the upper right corner and go to the settings tab. Once there go to the menu on the left and click on Virtual Background. You can then choose one of the backgrounds that Zoom provides, including the traditional “green screen” or you can always upload your own background by clicking the “+” icon to choose your own virtual background. A screen will open up allowing you to choose a picture from your phone or computer to upload to Zoom. Or, you can simply connect and show the room you are in behind you.

Touch Up Your Appearance Filter Available

Okay, you wake up late and don’t have time to fix yourself up as if you were going into the office, there is a filter in Zoom you can use to look better online. Look for the button to Start Video, click the up arrow next to it and then check the box that indicates you want to “touch up your appearance”. That’s it!

Oh yes, What about the Cost?

You have great features available but, you are asking a very good question – so what does this program app cost to use? Well, Zoom provides a full-featured Basic Plan FOR FREE with unlimited meetings. They allow you to test it out for as long as you like – there is no trial period. Your Basic plan has a 40 minutes time limit on meetings with three or more total participants. That is plenty of time to host a remote meeting with family and see your grandchildren live each day and talk with your son or daughter. They have upgrades if you are trying to run a business remotely from home that are reasonable as well.

What are you waiting for – Give Zoom Communications a Try!

Please leave a comment and let others know your experience and how you are using this new form of video conferencing.


Product Review Self Improvement

Jaaxy – An Amazing Branding Tool for Bloggers




Do you know how to WOW those looking for what you have to say? Well, I found Jaaxy to be an amazing branding tool for bloggers to do just that bringing you to the forefront of what they are looking for.

Targeting Your Audience: Knowing What People Are Looking For

Jaaxy does this by helping you to find the right words they are querying to better help you in targeting your audience and knowing what they are looking for. With this information, you are in a better position to offer better advice and tell it in a way that is easy for them to understand.

Do You Know Enough to Get Their Attention and Solve Their Problem?

Make sure after finding that problem you are interested in solving that you know enough to honestly help them overcome and master it by getting a little more information about the topic through research and good references. This helps promote you as a credit source that they will listen too.

Keywords: About Getting Your Message Out There As An Authority

Once you have enough material, sources and information then write your article, but be sure to use those keywords that you found your audience was plugging in to search engines to get the answers to their problem. Jaxxy can help find these keywords, which are what it is all about, getting your message out there as an authority to help them overcome whatever it is they are looking for.

Polish Your Message with A Cliff-Hanger for More

We have all read thrillers and watched whodunits, they take you to the edge of your seat leading you to make some conclusion. Sometimes the ending is not as expected, and you leave disappointed and telling your friends it wasn’t worth it. You want your audience to be so excited they tell their friends to go and see it – they won’t be sorry. You want to polish you final message with a cliff-hanger for more that they will tell their friends about.


Chances are you did a great job, but they may still have questions or concerns. Let them know you are always there and even if you don’t have the answer right off, you will get it for them. Ask them to leave their comments or opinions. Be their go to guy or gal, an expert in the subject they are looking for more information in to apply. How about going a step further and inviting them to….