5 Reasons Why Home Ownership Is Not A Good Idea

The True Costs Of Home Ownership

I meet with women every week to assist developing and achieving their financial goals.  The top two things women want help with is saving more money and buying a home.  Heck, who am I kidding, not too long ago those were my top two financial goals!  Having recently become a homeowner, I must tell you it’s not all it’s cracked up to be.

Don’t get me wrong, I am extremely thankful for my home and the fact that I now own a piece of America, but I have some pretty strong reasons for wanting to go back to renting.

4 Reasons Why You’re Broke

Ways To Stop The Vicious Cycle


More than have of Americans live paycheck to paycheck.  A good friend of mine coined this paycheck to paycheck lifestyle “Broke-i$m!”  Not having enough money to meet ones needs for the entire month is disheartening, trust me I know the feeling.  However, millions of Americans live this way.

Why do we have numerous educational institutions, millions of people with college degrees and vocational certificates, but unable to make their paychecks last an entire month?

4 Ways To Survive Broke-i$m! After Divorce

Navigating In This New Season

Divorce can be an emotionally difficult experience. Divorce attorneys and therapists agree that women and men who experience divorce, whether they consent or not, suffer with bouts of depression. The same applies to the financial situation.  Of the 1.5 million people who filed bankruptcy in 2010, 8% of them indicated that divorce was the cause. Although this is not a high percentage, divorce can negatively alter the family’s finances.

I can attest to this experience. My husband and I divorced almost 10 years ago, and the journey back to financial stability has been a difficult road. I have experienced, job loss, repossession, homelessness, and needed government assistance at times to survive.

Live Poor, Get Rich!

This book shares the habits of the wealthy using biblical principles in a practical manner. It allows readers to learn how wealthy people think and manage their money. This information will transform the average persons’ financial lives from paycheck to paycheck living, to wealth accumulation.

Cashed Out Your 401K?

How To Rebuild Retirement Wealth After Spending It All

Have you ever taken a loan against, or completely cash out your 401k because of a financial emergency?   Trust me, I understand this dilemma, because I had to completely cash out my retirement accounts twice in my adult life.

Is Being Broke Making You Sick?

Have you  had a financial crisis that caused you to become physically ill? Were you unable to get out of bed, constantly crying, unable to complete tasks, or enjoy a social life. Financial problems can make you physically ill.

Broke-i$m! causes stress.   Stress can lead to physical ailments such as high blood pressure, diabetes, insominia, anxiety, and skin problems.

Twelve million women in the United States are diagnosed with depression and anxiety related illnesses. Moreover, women experience depression 2x more than men.

5 Proven Ways to Stop Broke-i$m!

How to Relieve Financial Stress

Poverty is a mindset, but Broke-i$m! is a situation.  Are you tired of doing the same thing and getting the same results? Are you disgusted that your credit score is so low that it is embarrassing to think about applying for a credit card or a mortgage?

I totally understand!

Stop Broke-i$m! was created for just those reasons. I was so disgusted that I worked daily, had a couple of college degrees, got paid a livable wage, but my personal finances were a complete embarrassment!!  Sure, I looked great-had the latest handbags, jewelry, and clothing, but if my bank account balance or credit score became public knowledge, I would be forced to go into hiding-Forever!

How to Raise Financially Responsible Children

6 Money Tips for Kids

According to a Pew research study, 61% of parents have provided some form of financial support to their adult children.  Many parents feel obligated to financially helping their children. And depending on the situation, that is a correct way to think.

It is not easy to completely stop helping your children financially, especially when situations happen beyond their control.  There are some situations when providing financial help is necessary, and other situations when helping is handicapping.  You must understand the difference- and most times we do, we just love our children and want to see them succeed.

How to Handle Money Moochers

6 Tactful Ways to Say No

Do you have a problem with people wanting to borrow money? Would you like to learn how to say no and not feel guilty? 

Money Moochers are people who frequently ask for a money to solve their unforeseen emergency.

If you are on the path to debt-freedom, or just trying to save for your own potential emergency, it can be difficult to say no to someone you care about when they ask for money.

Money Talk With Your Significant Other

How to Merge Love with Money

The word love is one of the most used words in the English language. Love causes people to marry and pledge “till death do us part.” It is reported that 88% of couples marry because of love.  

Couples are encouraged to attend pre-marital counseling after the marriage proposal to ensure compatibility and discuss issues that will arise in the relationship.  It is in pre-marital counseling that topics like blending families, sexual habits/expectations, and finances are discussed.