MLK Quote to Inspire You to Keep Moving Forward Through Any Situation

she-makes-cents-mlk-quotes

Sometimes unexpected things happen…2016 was proof of that.  The thing is, we cannot give anything the power to paralyze us in a state of anger, fear, grief, complacency, etc.  Today I wanted to share one of my favorite quotes from Dr. Martin Luther King Jr.  I like this quote because it represents that there will be things in life that will attempt to block your path to greatness.  Sometimes we can even block our own blessings.  If you can’t fly then don’t shrug your shoulders and throw in the towel.  It’s so much easier to give up after the first roadblock (See  “How To Come Back from A Setback”).  Lace up your favorite pair of sneakers and get to running, girlfriend.  You might not get to your greatness quickly, but as long as you keep moving forward you are taking the necessary moves to get you one step closer than you were when you realized that flying was not an option.

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How to Stay Motivated To Save Money


she makes cents money blogHappy Friday #SMCmoneytribe.  I am coming to you on week two of the She Makes Cents Money Challenge to talk about the subject of motivation.  I imagine most people join this challenge for one major reason; they want their future financial situation to be better than their current circumstances.  This can be with respect to a very specific goal, such as saving for vacation or it could simply be the catalyst to fostering better saving habits like starting an emergency fund.  Either way, you accepted the challenge and are in it to win it, so I ask you…what keeps you motivated?

How I Stay Motivated

It’s very strange to say, but I am just as motivated by not disappointing readers like you as I am to clear my now $18,025.00 balance on my student loans.  This goes back to the idea of the #SMCmoneytribe and the village of supportive accountability partners who know my goal and know my progress.  Should I miss a week, which has happened before…hey, I am human, I think about all the people whom I’m sharing this experience with and I do whatever it takes to catch up.  I tell people all the time, if you get off track, either catch up or start over but don’t give up.Quotes

Watching my balance go down is also a very gratifying feeling.  I know where I started, I know where I want to be, and I know that timeline I have given myself to accomplish my ultimate goal to be completely debt free, not including my mortgage, within the next 3 years.

When I had credit card debt, I would allocate the weekly deposits from this challenge along with a monthly set payment of $300.00 to pay off my balance quickly.  Once I eliminated that debt, I set aside that $300.00 + the weekly deposits from this challenge to make quarterly lump sum payments towards my student loan principal.  This, my friends is what you call snowballing your debt.  I know how I excited I get to see my balance on the student loans go down at the slow pace it is currently moving since so much of the payment goes towards interest and not the principal.  The idea that my balance is about to make a major decrease by attacking the principal head on is the fuel I need to keep me motivated toward my larger goal of debt-free living.

Week 2 Update | She Makes Cents Money Challenge

For week two, I decided to cross off $25.00 on my bingo money card.  Since the Mr. and I are joining forces this year, that gives us a joint year-to-date (YTD) total of $145.00.

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What’s Your Motivation To Save? Please share below

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{2017 Word of the Year} How One Word Will Guide My Entire Year

fb-qotd-templateI pose this question every year and 2017 is no different.  What one word reflects your vision for 2017?  So many of you submitted thoughtful responses via the SMC Facebook group and Instagram such as “gentleness”, “perseverance”, “do”,  and “focus”.  I even had one response that was in line with my word of the year…INTENTION from the Instagram handle @yourlifefinance.  By definition, intention is a determination to act in a certain way.  I chose “intention” to reflect my vision for 2017 because it adds purpose to all thoughts, words, and actions.  To be honest, I have found that haphazard thoughts, words, and actions tend to get me into trouble.  Toward the end of the year, I started asking God to guide my words so that I speak with intention and not for the sake of attention.  This past year was my year of BRAVERY and even though it started out shaky, I ended the year with one of my bravest moves yet (post to come later on that one…).  intention-adds-purpose-to-all-thoughts-words-and-actionsFour years ago was my year of BALANCE, 2014 was my year of FOCUS, 2015 was my year of PASSION, 2016 was my year of BRAVERY, and I welcome my year of INTENTION.  I am working very hard to make sure that my words and actions are in line with the following criteria:  Is it kind? Is it necessary? Is it truthful?  As each year passes,  I take a moment and reflect on why I chose my earlier words, where I was in my personal development for that to be a necessary focus, and how I  incorporated the meaning of  those words in my life.  

What’s Your Word for 2017 and why did you pick it? Share Below!

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SMC Book Club: The Life Changing Magic of Not Giving a F*ck

Let’s be real.  The title of the shemakescents.com January book selection got your attention, didn’t it?  Well, it certainly caught mine when I first heard about Sara Knight’s latest book, The Life Changing Magic of Not Giving a F*ck.  Reason number one is well….obvious, but the second reason…I literally laughed out loud that the title is the play on the uber popular book by Marie Kondo, The Life Changing Magic of Tidying Up.  Apparently we as a people are in serious need of a life changing magical moment.january-book-selection

Here is the Overview:

Are you stressed out, overbooked, and underwhelmed by life? Fed up with pleasing everyone else before you please yourself? It’s time to stop giving a f*ck.

This brilliant, hilarious, and practical parody of Marie Kondo’s bestseller The Life-Changing Magic of Tidying Up explains how to rid yourself of unwanted obligations, shame, and guilt–and give your f*cks instead to people and things that make you happy.

The easy-to-use, two-step NotSorry Method for mental decluttering will help you unleash the power of not giving a f*ck about: 

  • Family Drama
  • Having a “bikini body”
  • Iceland
  • Co-workers’ opinions, pets, and children
  • And other bullsh*t!

And it will free you to spend your time, energy, and money on the things that really matter. So what are you waiting for? Stop giving a f*ck and start living your best life today!

How Our Book Club Works

We gave our Instagram followers a sneak peek of the book selection and the buzz was great.  The funny thing is… a preacher friend of mine recommended this book and told me that it was a good read (crazy huh?).  Click here to order the e-book version (for less than the price of a bad of chips) and here to order the hardcover version.  We are starting on January 1st and checking in back here on shemakescents.com on Saturday January 14th to discuss the first half of the book.  If you are in Atlanta, stay tuned for the book club meet up.  Info will be posted on our Facebook page, as host a Wine & Read. Event  Get your book, get cozy, and let’s get our read on in 2017!

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Don’t Let Fear Be A Roadblock To Success

Inspirational Quotes

This is the season when people reflect on the past year and pledge to “do better” in year ahead. I  promised myself that I would “be brave” in 2016 so much so that I selected it as my personal word of the year. The thing is, I spent a great deal of the year doing what I have always done and was perplexed as to why things were not progressing as quickly as I would have liked. Why is this situation still a situation? In a moment of clarity, I was standing in a mirror of self-reflection realizing that I have made decisions in the areas of my career, finances, and relationships based primarily out of fear. This is why I selected brave as the word of the year in the first place; to push myself out of my comfort zone and accept new challenges. Nothing in my life or yours will ever change if we continue to do what we have always done. As Walt Disney says, “ We keep moving forward, opening new doors, and doing new things because we’re curious and curiosity keeps leading us down new paths.  The opportunity for something new is knocking, are you ready to open the door?

What Does “Being Brave” Mean to You?

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{Monday Motivation} You Will Never View Mondays The Same After Seeing This!

I posted this on the shemakescents Instagram and Facebook pages last week and the response was great!!  Sometimes the best motivation one can receive comes from within and often it is as simple as a change of perspective.  Glass half empty or glass half full… either way it is a glass of water and it is your own formed perspective that shapes it as positive or negative thing.  Have a great week and Happy Monday!Monday Motivation

{Money & Relationships} 20 Hard Money Questions For Couples

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{Monday Motivation From Simone Biles} Out Dream Yourself

Simone BilesToday’s Monday Motivation comes from Simone Biles. Below is a picture Simone put on Twitter with that caption: “out dream yourself”. When you were a child, I’m confident that you believed that you could be anything you wanted to be. I dreamed of being the first ballerina firefighter. Even though people laughed when I said it, I never stopped believing I could actually do it. My parents supported that goal and I have a picture somewhere of me with a plastic firefighter hat on while wearing a pink tulle tutu. I didn’t become the first ballerina firefighter only because I outgrew that dream.
Somewhere along the journey to adulthood, many adults lose the ability or will to dream. We tend to make decisions out of fear. We stay tied down to people and situations that paralyze us into thinking that whatever dreams we have are just too far-fetched to come true. We settle for an ordinary life when we could have the life of our dreams.out dream yourself

For those who are lucky enough to skillfully dream. How many of your actions are supporting your dream? You dream to be debt free but you spend haphazardly. You want to work in a different field or for a different company, but you never apply for another job. You want to meet someone and hopefully fall in love, but all you do it go to work and go home. See my point? This is not me judging you. This is me sharing my observations myself and others of the millennial generation.

Simone Biles had a goal to win- To bring home the goal. She worked hard every day, she sacrificed, and she strengthen her skills to help her accomplish her Olympic dreams. In doing so, it seems as if she exceeded even her own expectations. Monday’s Motivation = OUT DREAM YOURSELF!

cropped-logo-twitter2014.jpgWhat Do You Want to Be When You Grow Up?

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{YTD Update} 52 Week BINGO Money Challenge

She Makes Cents

As we approach the end of week 33, I must say, staying  on top of the 52 Week BINGO Challenge is taking a little more discipline, for me, than in past weeks.  I had a goal to pay off my credit card by August 1st and I beat that goal by a month.  How, you ask?  Well, the closer I got to a zero balance on that debt, the more aggressive I became with this financial goal.  As always, I paid more than the minimum balance and started dumping any and all unassigned money toward that goal.  In working toward the big credit card payoff, I developed a solid habit of saving.  Now that this first goal is done and the high of the gratification is dwindling down, it does look slightly daunting when I look at my next goal on the snowball– my student loans with it’s $18,593.25 balance.  Ugh!!  I plan on making quarterly payments towards the principle with the money that was previously allocated to my credit card minimum + the 52 Week BINGO Challenge to shave off years of interest and thousands of dollars.

Related Post: {Debt Management} How to Shorten the Length of Your Loans & Reduce Interest

52 Week Challenge

Heavy Chains of Habit- Good or Bad?

Chains of habit are too light until they are too heavy to be broken.  Think about it like this, if you are in the habit of putting money aside every week, at the end of the year the weight of your weekly sacrifice would be greater than if you only saved for one week and then gave up.  Every week, saving $10.00 here, $70.00 there, $100.00 every once in a while might not seem like a big deal at the time, but every penny adds up.  Every time you save makes the habit of saving that much stronger.  The same can be said for  bad habits.  Spending $10.00 here and $70.00 there may not seem like a big deal in the moment.  But over time, that random spending becomes a bad habit and the weight of your debt becomes a heavy burden to carry.

YTD 52 Week BINGO Challenge

Doing the original 52 Week Challenge would result in $1378.00 for the entire year.  Doing the #shemakescents BINGO version has me at $1395.00 YTD with another 19 weeks to go for the rest of the year.

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{Monday Motivation} Do What Makes You Happy!

Happiness

Happy Monday Lovelies.  As you get started in your week….have your morning latte and go through your Snap feed, I want you to take a moment and really think about what makes you happy.  If you are not happy with your financial situation…change it.  Make time to up your financial literacy game (you can start here), create a plan to get you closer to your goal, and put the plan into action.  If your career is not where you want it, step back and examine what it is about your job/profession that makes you happy and what doesn’t.  If your relationship has many benefits, but you are not happy, it’s okay to start that conversation with your partner  about what will make you happier.  Life is too short to waste time doing something that has a negative impact on your happiness.   My birthday last week marked my new beginning.  I will  prioritize happiness in my life the way I see fit and I encourage you to do the same.  Remember, nothing is worth it if it doesn’t make you happy.

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