Money Smart

Hello!!!! It’s Valentines Day and everywhere is already being painted red with all sorts of products and services for us to show how much we love and care for the people in our lives. This is a season to show love to friends, families and strangers (this doesn't mean you should stop showing love to people after Vals day o) ***winks*** So, I am sure a lot of you have made plans for Vals, and such plans will most likely involve outflow of funds......................................... lots of funds. (insert huge grin here). While it is absolutely fantastic to show love to your significant other, families and friends this season, you also need to be mindful of over spending.  Below, I'll discuss 5 valentine's tradition, you can easily ditch, so as to cut costs. Sit back relax and enjoy....... 1. Fixed Menus Restaurants are notorious for beefing up their prices around Mother’s Day and Valentine’s Day. They know people don’t want to cook and clean on days meant

 Hello Friends, Happy Sunday!!!!! I hope we had a beautiful day. So it's the start of a new week, and I absolutely love starts. I see it as an opportunity to re-write, re-brand and renew. I read something about financial planning in the past week, and I decided to share with my fellow blog readers. Please relax, enjoy and learn a few things, as we go through this together: "From the look of things, this year will likely be a difficult one financially, and to get through effortlessly, you have to start planning from the beginning. You can't afford to wait till the end of the first quarter, or half-year to start planning. Planing should start now. Use estimates if you must plan, and change to actual as you go on, but don't wait any further." Be prepared to let go of some things, and only spend when absolutely necessary. If you have saved money, try not to touch it. Please do not spend on frivolities. Avoid capital projects in the next

 Happy New Year!!!!!!! Welcome to 2016!!! 2016 promises to be a year of exciting possibilities, financial breakthroughs and opportunities............. Can I hear a resounding AMEN? *********laughs************* I can literally see the wheels turning in your head, like, when did she become a preacher? I know right, but I believe in prayers, I also believe that there is power in the tongue, so once again please say a resounding AMEN to my statement above.... ************grinning widely************************* I decided to start the year with a prayer, because I know we all need prayers, but I also know that prayers without actions will come to naught......... For the prayers above to come to pass, you need to take some actions............ You need to be disciplined about your finances, you need to make your money work for you, you need to have a financial plan (what I'd like to call a budget in this context), you need to master the art of Budgeting. Most of us