Boosting morale

If you have began taking steps towards improving your financial well-being then you might be to a point that you feel as if nothing is working yet or that you have hit  a plateau and have traveled about as far as you can along the path you are attempting to walk down. Let me help you with your journey. Your trusty guide will offer you some words of encouragement to help you along your path to self improvement. We all feel moments of being lost and feeling as if we won't be able to reach the end. This is a boost of morale for whatever path you are travelling towards improving your life, whatever that may be.

Grow your own way

Tired of those long grocery bills and clipping coupons not your thing? Start a garden you can get organic without paying extra for it at the store. It doesn't take much space and it's very easy to do. With a little investment and a lot of return you can lower your grocery bill and eat healthier at the same time. The smell or wholesome organic food and saving money wafting in the air.

Community "Out"reach

Bored? Have no extra money to spare? Kids bugging you to go out and do something but you don't know what to do. Have you researched free fun to -do's in your area or community center? Don't let these great resources pass you by. They are fun and inexpensive and can help to fill hours of time without lessening your wallet.

Less car more money

There are so many money saving options out there when it comes to getting around town. Carpooling and public transportation are inexpensive and way means to save green and be green.

Fast food fast cash

Although fast food is convenient on time, it isn't on your wallet. That dollar menu really adds up and can cost big money. It is less expensive to make your own food. Feeding a family is much easier and cost effective when you make your food from home. This is a great way to save money. Think about how much money you can save by not always eating out.

21 days to savings

My original post advises that it takes 21 days to break a habit and the first step in breaking that habit is always the most difficult. When looking to alter something that has such an impact in your life life as credit does, realize that one tiny step can lead you to a long path of financial recovery and excellent credit. Once you have taken that first step and made that first change in your life and how you manage it. The transition from being broke and having a poor credit score as well as a bleak outlook on life and becoming financially savvy is in your grasp. For the next 21 days I offer you 1 tip that you can utilize and use to aid you in your journey of financial recovery.




You can't know what you don't know. This is so true with credit and money. Most people are in debt today. It might be credit card debt, student loan debt, owning a home. It is estimated that the average American has $854.2 billion in credit card debt alone according to the site NerdWalletFinance.That's a lot of money to be owing to others.

Often times it feels as if there is no hope and no way to get out of debt. I am here to offer solutions to regain your good credit and put money back in your wallet. I offer some solutions in order to allow you, my reader, to see a light at the end of your financial tunnel.

Gain back your financial confidence and feel worthy again.

Once that light is turned on and the mindset has been altered the world comes alive. It's easy to see that change is within your grasp and you can take charge of your financial life and have the things you want in life.

When you don't know what you are doing or how to change it it becomes difficult to see hope and redemption. I offer to you, for the next 21 days:

21 ways to help your credit and save you money.

Each day I will have a new blog for different things that you can do in order to succeed in completing what you want to do.

Each of the 21 blogs will be comprised of small simple actions you can take to improve your financial situation and so much more. These actions might appear to be too simplistic and in the short run may now show a great  return. Give them a try. 21 days that's all you need to form a new habit and change the way you view your world and alter your outlook on your day to day situation.

Some of the tasks presented take only a few minutes to do, others take an hour or two, a few of them require regular effort on a day to day basis. I promise you though all of them are extremely simple, anyone can do them.

Each of them also save significant money, especially over the long haul, when my suggestions are combined together these tips can save a great deal of money very quickly.You will actually begin to see a return within a few days of making some of these changes.

Apply the suggestions to your life and as you see fit. Not everything will work for everybody. You will be surprised how soon money begins to pile in front of you and in turn how your bills dwindle and your credit score soars.


Once you have completed your 21 days leave me a comment and let me know what helped you most. I would know to support you in the changes you are making in your life.

Can you spare a penny? How about 100?

"I've got money yes I do, I've got money how about you?" Consider me your money saving cheerleader. Pennies are nearly useless in our currency today. Think again, they add up and you can utilize them to save some cash. What about saving $365/yr or even $500. Don't think you can squirrel away money effectively. Well read and learn....

Scrap the cup a day and put your pennies away

How does finding $1,000 sound? Who wouldn't want to open their wallet and find money just sitting in there waiting to be used. Maybe a new car, even pay off your credit card debt early, or a new item for your action figure collection, or the tree-house you wanted to build with the children. All of these dreams can become a reality. Do you buy coffee? A cup maybe 2 even 3? Well rather than wasting that money on something that offers you no return. Use that money for you, your family, your life. You want that dream? Let's put it in reach for you.

Credit cards got you down?

Know how to use your credit cards. Credit is a basic need in today's society. A good credit score can save you money, get you a better interest rate on purchases and make you feel more confident about the money you have going in and out. I have a few simple and easy to follow tips to help you not only create but also maintain good credit.