How to turn your gifts into green & make an income with your talents Proverbs 31:24

Gifts to Green 10 Day Masterclass

Going into the new year there is no reason why we, as believers should be living paycheck to paycheck with no clear solution of how to live in the overflow.

We serve a God who has more than enough. The cattle on a thousand hills and the hills belong to Him, therefore what He has we have access to.

Why is it though that so many of us live in lack? I sat us, because I’ve been there. In debt. To much month and not enough money. Carrying the weight of a two income lifestyle on one income, while striving to make sure I could be home full time with the kids.

We struggled a bit, until I realized I had some unique gifts and talents God was waiting to use.

Guess what? You do too! God doesn’t need a job position to generate revenue for our families. He is more than able to create a revenue using your gifts.

Do you believe that? Then watch this video to see how I’ll be helping a group of women identify thier gifts and monetize them in 2018!

“Gifts to Green Mastermind” VIP list

Join this VIP list for A 10-Day Mastermind designed to help you figure out how to make a living using your gifts and talents. You will learn how to identify your gifts and talents and learn ways to monetize them in 2018.

This 10 days mastermind will teach you how to generate revenue from home, in your community and/or online using your natural talents.

To be part of the early bird pricing for this mastermind you’ll need 4 – $20’s, 1 – $10’s, 1 – $5 and 2 – $1’s. That’s $97. The early bird registration opens Dec. 18th-22nd.

The price goes up to $147 on Dec. 23rd (payment plans will be available)

Click to get on the “Gifts to Green Mastermind” VIP list

Your Gifts Are Not Free | How to Start Using Your Gifts for Employment

Do you have a gift or talent you give away for free, but dream you could be making a living from it?  Have you talked yourself out of that dream and become scared to turn that dream to a reality? By the end of this post you’ll know why you should stop giving your gifts and talents for free. Plus I tell you how your gifts can be used for your employment.
Your Gifts Are Not FreeHey y’all! It’s been a minute since I’ve written a post primarily because I have been enjoying connecting with y’all more intimately in our group. The live chats, Bible studies, accountability and community seems to have been the key to helping you get over some of your biggest struggles. It’s been amazing seeing the growth and hearing the testimonies of the members.

Next month the new group kicks off, so if you haven’t registered make sure to do that here today.

This morning I taught a live class on how your gifts are connected to your income. A lot of people will try and get you to believe if you are a Christian and have a gift that it should be given away for free. That myth has some of you giving away for free, the very talent God gave you for your employment. People have you believing it is un-Christian to charge for something you are good at especially if it involves helping them grow in their walk with Christ.

In today’s video, I’m not only going to encourage you to stop doing that, I’m also going to show you in scripture where charging for your service is very much in line with what God has called us to do.


Do you have a gift for decor that you freely give to people you know, but deep down inside you’d love to make a business out of it?

Are you great a baking and everyone loved your cakes until you started talking about creating a business and selling them?

Does everyone come to you for advice on something unique, but when you began talking about charging for one-on-one mentorship, the stopped needing your advice?

Today I’m going to tell you how to get past your doubts about using your gifts and talents to make a living.

Your Gifts Are Not Free | How to Start Using Your Gifts for Employment


4 Ways to Improve Your Finances

4 Ways to Improve Your Finances

4 Ways to Improve Your Finances

1. Make a decision to trust God completely with your finances.

Until you can trust and do everything His word says about your money, you will most like always struggle with a lack of it.

2. Begin to understand Gods position on money and how we as Christians should relate to it.

The easiest way to figure out what God has to say about our money is by reading the Bible.

I recently narrowed down the 20 verses Christians should know about money and how it relates to every decision we make. Once you understand Gods purpose for currency, you’ll begin to make better choices with it.

3. Look for God to do something supernatural in your finances this year.

If you believe He is still a God of miracles you will operate your life differently than you’ve ever done before.

In 2008, when my husband and felt convicted to become debt free we were behind on bills, barely scraping by as a young family with four children, a mortgage, car notes and credit card debt.

Today we only have our mortgage and we will be debt free within three years.

For us, that’s a miracle.

4. Believe God will meet your needs.

In order for this to work you have to know what your needs truly are. I admonish you to make a list of the basic things you and your family need on a daily basis to survive.

The main things on my list were food, shelter and family. As long as I had those things each day I’d praise God. I stopped focusing on the things and lifestyle I had accumulated. I took my mind off (as much as humanly possible) the debt, lack and late bills.

When we turn our focus on Gods provision, it moves us out of His way to bring us where we need to be.

I struggled with trusting God with my finances for years but am so glad I finally gave it over to Him.

If you find yourself struggling with your finances I’d love to pray with you. Just leave your name and or prayer request in the comments below.

Organizing Your Bills

I must say that my husband and I have a great system for organizing our bills.

Organizing Your Bills

From the way we used to argue about how to manage the finances I could never have imagined we’d be on the same page using the same system.

Early in our marriage I tried all kinds of elaborate systems especially those that included spreadsheets and programs but my husband hated them. He felt they were too time consuming and didn’t like having to boot up the computer every time we needed to manage our finances.

As I learned more about his style I came up with a simple budget binder systemthat made us both happy.

We now use this very budget binder to organize our bills and invoices.

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This is my process

1. When bills arrive in the mail, I write the due date on my bill pay form, I then slide the bill inside of my “to be paid”  bill binder pocket so I have it on hand when it needs to be paid.

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2. At the beginning of each week my husband looks at the bills calendar to see what bills need to be paid and pays them. As he pays each bill he fills in the columns on our bill pay form so we have a record of balances, method of payment, which account we paid from and what balance may be remaining.

3. All bills that don’t need to be kept for tax purposes are trashed. If it’s one we file, he places it back in the “to be paid pocket”.

4. At the beginning of each month I go through the “to be paid” pocket and remove all of the paid invoices. I then file the paid invoices in my filing folder, grouping like invoices together eg. phone, electricity, etc.

5. At the end of the financial year, and after filing our taxes, I then gather the invoices and add them to our yearly income tax folder.  We keep these invoices for 7 years.

How to Organize your Bills and Budget

How to Organize your Bills and Budget

I was going through my budget binder this morning and thought about you all. I can remember clearly our decision to become a one income family and all the effort that went into making it a reality.

One of the things that really helped us make the transition was getting a clear picture of our finances. One of the first things I had to do as a stay at home wife was learn how to budget one income.

We were a two income family now living on one income so some changes had to made. The first thing I addressed was creating a budget book. We’ve improved it over the years to make it work for us so  I’m going to show you what it looks like now.

How to Organize your Bills and Budget

This main purpose for our budget binder is to help us better manage our finances so to do that we created the following ‘tab names‘ and purposes for each section.

TO BE PAID — As bills are received they are placed in the front pocket of my binder. I used to have these in a file on my desk so having them in my notebook has freed up desk space.

How to Organize your Bills and Budget

BILLS — For this section I created a personalized Bill Pay Form which allows us to keep track of what’s due, what’s paid and how it was paid.

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BUDGET – This is where I have my $0 based budget sheets. I used the sheets found on page 36 of America’s Cheapest Family Gets You Right on the Money: Your Guide to Living Better, Spending Less, and Cashing in on Your Dreams. I typed up and printed a version that suited my needs.

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GOALS —  This is where we keep track of our long and short term goals.   We also keep an ongoing list of home improvements we want to tackle, Christmas lists as well as clothing items that need replacing.

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INVESTMENTS – This is the perfect place to keep quarterly account statements and contribution slips.

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PASSWORDS  & LOG IN’S – It can be easy to forget the log in credentials when paying bills online. This is where we keep track of passwords for those times when we want to pay our bills online with a specific site versus online bill pay.

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BANK – Here’s where we can store bank statements. I didn’t share a picture of anything in this section for obvious reasons.

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Our Budget Binder has become and invaluable resource when having our monthly financial meetings and I hope giving a peek inside gave you some ideas on how to organize and manage your finances.

How to Organize Your Bills and Budget

4 Resources to Help You Manage Your Finances Wisely

learnvest-mobile budget

Germaine and I are consumer debt free and our goal is to be completely debt free by my fortieth birthday.

Creating and tracking our budget using online and offline tools has helped us stay remain focused and visually see where we were with our goals.

Utilizing several resources and practicing discipline have both played a fundamental part in where we are wit our finances.

Ignoring your finances is not going to make financial problems go away so today I’m sharing 4 financial planning resources that will help you set goals, track spending and hold yourself accountable.

4 Resources to Help You Manage Your Finances Wisely

1. LearnVest – Sign up for the Learnvest Free Budgeting Tool and view all of your accounts in one place (for free!) with LearnVest’s My Money Center.

You can monitor your spending activity, create a personalized budget, and track progress against your budgeting goals with ease.

LearnVest is protected by bank level security and encryption so your accounts are always 100% safe and secure.

2. Printable Monthly Bill Pay form – This printable Monthly Bill Pay form will allow you to track who you owe, how much, your running balance and more!!

3. Credit Sesame – Here’s a great service and helps you get your finances organized with all of the neat financial tools that they provide for FREE.

To be completely honest with you…what’s offered is something that should probably have a cost involved because it’s so comprehensive in what it offers for managing your money.

4. Personal Capital – Personal Capital provides free wealth management software and a compatible app to track your budget from your iPhone, Android and iPad.

5. The Total Money Make Over – This book and some of the other tools are some of what we used to create a plan to eliminate our debt.


How to Find Money to Pay Off Debt

How to Find Money to Pay Off Debt

We are at the halfway point for our debt freedom journey and I think now is a good time to stop and share some of what helped us find the means to get rid of all of our consumer debt.

One of the reason we want to pay off debt is because carrying debt as we get older will prevent us from retiring and living life on our own terms.

We have been able to pay off all of our debt except for our mortgage using just my husbands income and extra money we earned here and there.

5 Ways to Find Money to Pay Off Debt

1. Get a part-time job: This is one of the first things my husband did help make ends meet and to add a little extra to our debt obligations.

2. Take surveys: Taking surveys allowed me to earn anywhere from $50 to $200 a month in checks and gift cards. I was a member of about 12 survey sites and took surveys daily in my free time.

3. Sell gently used clothes: I made a decent amount of money each week selling my children’s clothes once they outgrew them. There are many local consignment stores but many have begun selling clothes via ebay, Facebook groups and Instagram.

4. Use your talents: If you can baby-sit, offer to drop off or pick up school kids or provide another form of service, you can use that money to tackle debt.

5. Shop Sales / Use Coupons: When we just couldn’t earn any more than what we were making, shopping sales and using coupons made a huge difference. If you become even semi serious about couponing, you can save at the very least 50% off groceries and household items.