Funding For Your Future

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Faced with the rising costs of education and a highly competitive job market? It’s easy to get off track. Scholarship Zone provides $10,000 scholarships as well as degree and program information to help you achieve your goals. Everything you need to get started is on the site.

Just what you need to go back to school all you have to do is

Build your profile.

This simple form is all you need to be registered for our $10,000 scholarship. Don’t wait to register – the next scholarship will be awarded on October 15th, 2013! You’ll also be providing key information to help match you with colleges.

Discover your program.

Browse colleges that match your profile. You have the option to choose which colleges to compare. Request information only from the schools that interest you.

To get started head over HERE

Incorporate My Job Chart In Your Life


My Job Chart is a FREE online chore chart that motivates your kids and earns them rewards that they can save, donate to charity, or spend on toys! You as a parent have your own login to set up each child’s account and what chores that they need to do. Each chore you assign you set out how much the child will earn for completion.

Once the child enters that they have completed the chore you have to approve their request to get paid their points. Each point is worth 1 cent (ex: 500 pts = $5.00). Your children are then able to use their points to  buy prizes, share their points amongst siblings or save their earnings.

You as the parent can choose to set up your own customized prizes at your set point level. You also have a choice of using the retail prizes. The retail prizes are through Children can choose what they are interested in and you can set the point level that they need to reach in order to get the reward.

I think My Job Chart is great. Growing up I had a chore chart on the wall and it was fun to see what my maturity and responsibility would earn me. Now in these times kids are all about technology so now we can meet them where they are and still get the things we need done from them done.

  Head over sign up HERE


How to Organize Your Receipts

How to Organize Your Receipts

Have you ever purchased and item and a few weeks later need to return it but wasn’t able to find the receipt?

I know I have and while many stores now no longer require a receipt for returns or exchanges some still do.

Since the day I married my husband my primary role in our finances has been organization. Organization is my strong suit and figuring out how to make things run efficiently in my home makes me all giggly inside.

So today, I’ll tell you how I organize my receipts.

How to Organize Your Receipts

Here is My Process:

1. Each time I get a receipt I do a quick sort that makes sorting them later much easier. As I accumulate receipts they either go in my pocketbook or my wallet. Receipts that I don’t plan to keep long term go in my pocket book and the other go in my wallet.

2. A few times a week (usually after shopping), I empty the receipts from my purse and wallet onto my desk. If I haven’t already written the purchase in my checkbook I use the receipts to record all purchases.

3. After I have recorded each purchase in my checkbook and verify it via my online bank statement, I trash the receipts we don’t keep such as a grocery store or gas receipts and I create a pile with the ones that will be filled.

4. I then file them into an envelope (each envelope is categorized by month).  I sort them like this so I can easily find a receipt if needed.

It’s usually easy to find a receipt when we can narrow down the month or season in which we may a particular purchase. For example, school electronic supplies would be in August whereas toys would be in December or around birthdays.

5. All of our receipt categories are filed this way except for business, auto and home improvement receipts.

These are ones we find we have to refer back to more often than others. For example when trying to remember the last time something on the car was maintenanced or repaired. Also with plants you have two years to return them so I keep them in my Home Improvement file.

6. I keep all other store receipts for 6 months just in case I need to return something.

7. At the end of the financial year, I then place all the receipts that we need to keep for tax purposes in a large folder with our filed tax forms.  We keep these receipts for 7 years.

50/20/30 Sweepstakes

How do you divvy up your paycheck? LearnVest has developed the 50/20/30rule to help you make the most of your paycheck. One lucky winner will receive; $500 to go towards essentials like your A/C bill in the summer, $200 for a savings goal and $300 for lifestyle choices such as going out for dinner or your yoga classes. To enter, sign up for a LearnVest account and get access to free money tips, tools and advice to help you get organized and be in control of your money and you’ll be automatically entered into the sweepstakes.

One Income Family | Who Will Pay the Mortgage When Your Husband Dies?

This post was brought to you by Genworth as part of a campaign with the Brandfluential team. All opinions expressed are my own and I only promote campaigns that support the mission of To learn more about how I choose which companies to partner with please see my disclosure.

One of our BIG GOALS this year is to begin paying off our mortgage. We are completely consumer debt free which means we have no credit card, department store, student loans or auto loans.

We are free or debt all but our mortgage and a small medical bill that will be paid shortly.

Not having any debt but our mortgage has been such a liberating experience. Regular monthly bills are no longer burdensome because we no longer have a huge auto loan or credit card payments hemorrhaging our finances.

This is our first home and shortly after buying it we decided that I’d be at home full time which meant we’d transition being a one income family.

That scared me a bit since I’d decided to put my career and earning potential on hold. I worried how I’d pay for this house if Germaine were to die. We need to have a plan in place and really needed to educate ourselves on How to Prepare Financially for a Loved One’s Death.

Of course we had life insurance which would allow me to still be at home for a while but with a mortgage, debt and bills I could easily see the life insurance money gone in two to three years.

Germaine wanted to make sure we would be taken care financially almost as well if he were still here providing for us, that’s when we learned about adding a decreasing benefit rider to our life insurance policy.

At the time we made the decision to add a decreasing benefit rider to our life insurance policy we already mortgage insurance. We initially thought mortgage insurance was something we paid for in case we defaulted on our loan but after investigation we learned is mortgage insurance pays the lender in the event you default, however you are still responsible for the mortgage debt.

In most cases mortgage insurance is tacked onto your mortgage when you don’t put at least a 20% down payment on your home at the time of purchase.

This is a smart move on the part of the lender but Germaine and me being the borrower had to shift the risk as well.

We wanted to make sure that our mortgage would be paid for in case of his death so we purchased and decreasing benefit rider specifically for our mortgage.

In a nutshell, here’s how it works. We bought an additional term policy in addition to our life insurance. The additional policy is designated to cover the cost of the mortgage if Germaine dies within the 20 year window.

The policy started off at the amount owed on the house but decreases every year for the next 20 years. It virtually decreases in value as the balance on the mortgage decreases.

After putting that policy in place specifically for the mortgage, I felt more at ease and better prepared to care for our family in case Germaine dies before the mortgage is paid off.

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In our family, my husband is primarily and ultimately responsible for the outcome of our finances, however we both work together to manage our money and reach our goals.

We’ve settled into our financial roles through careful prayer and consideration. We’ve identified our strengths and weaknesses and use them accordingly to strengthen the impact of our financial decisions.

I want you to succeed in your finances and have partnered with Genworth Insurance to share financial insights into things that have helped Germaine and I better manage our wealth.

I hope you will join the conversation, learn a lot and become a better steward over your finances.

What financial fears keep you up at night worrying?

We’re Setting New Debt Freedom Goals this Month!!

Finance Button

More than half the year is gone and we think it’s a great time to talk about financial goals.″ />

Many of us made some lofty financial goals back in January and what we want to know is — are you sticking with them?

Don’t answer that.

Instead let’s talk about where we are today and what we plan to do going forward. As you all know, Germaine and I are debt free except for our mortgage and a small-ish medical bill. It’s been a long financial journey and we have accomplished a lot.

Our goal for the next couple of months is to readjust the amounts on our budget sheet to reflect extra payments to the medical bill. Once the medical bill is paid off we will begin attacking our mortgage.

I think it’s going to get crazy around here because taking on this endeavor is going to mean deprivation.

Unless somebody starts making more money, we’ll have to slow down the process of renovating our house (again) which means while paying off the house I’ll be staring at this hideous unfinished den, laundry room and office.

Makes us a little sad just thinking about it ya’ll.

But here’s what we’re gonna focus on — I’m gonna focus on the 20Verses For Christians Concerned About Finances.

And we’re gonna focus on some of our favorite Dave Ramsey quotes.

“If you will live like no one else, later you can live like no one else.”

  • We’re going to live in our house with our unfinished laundry room, office and den so that by the time I’m 40 we can be free of a mortgage payment. — I’ll be 36 in February, so you do the math.

“Act your wage.”

  • We are going to deny ourselves SOME luxuries so that we can use a large part of our income to pay off my mortgage. We won’t cut out everything, but we will cut back.

“Pray like it all depends on God, but work like it all depends on you.”

  • We are going to work our butts off and use our talents as a platform to increase our earnings and miraculously pay off our mortgage earlier than even we planned.

“A budget is telling your money where to go instead of wondering where it went.”

  • We are going to revamp our budget TODAY to divert a larger amount to the mortgage payment.

“For your own good, for the good of your family and your future, grow a backbone. When something is wrong, stand up and say it is wrong, and don’t back down.”

  • We are going to rely on God to give us the strength to overcome the temptation of things. I like shopping, nail salons, massage parlors, nice purses and vacations just like everybody else but I am totally convinced that debt is not what God wants for my husband and me. So when I start thinking of everything I could be doing with the money designated to the debt snowball I’m going to need the supernatural inspiration of God to remind me why I’m doing this.

Why are we telling you all of this?

It’s not for you. It’s for us.

It’s to keep us accountable to our decision. It’s so easy to make a decision one day and find yourself in the same spot not having moved and inch years from now.

We want our finances to look drastically different come June of 2017.

Over the next few months I will be updating you on our progress so be sure to subscribe to my RSS updates or FREE email newsletter.

I covet your encouragement and prayers so leave them below in the comments.

Are you working towards some financial goals? How do you stay motivated and on track?




How to Have a Peaceful Financial Meeting with Your Spouse

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We’ve written a lot about how we manage our finances and by sharing our experiences has helped to keep us accountable.

One of the biggest hindrances to financial success aside from not making enough money is financial disagreements.

Today I want to share three tips on how I prepare for a financial meeting with Germaine and avoid disagreements.

By sharing a snippet of how we discuss and manage our finances I’m hoping to give you some ideas that can help you and your family.

How to Have a Financial Meeting with Your Spouse

1. Decide on the topic.

Whenever we need to talk about finances we decide on an area of discussion beforehand and let the other know that we need to talk about this particular topic. Whether discussing updates about how much to save in our emergency fund or changes to our budget, we make sure the other is prepared to discuss that specific topic.

We (try not to) spring financial discussions with one another. If it’s the middle of the day when he or I are working, we try not to call and begin a long discussion about financial issues. We normally set a day and time to talk about it which leads to my next tip.

2. Gather your tools and information.

Every meeting we have focuses around our financial planning binder. All the information we might need in a meeting is in this binder.

It gives us easy access to balances, monthly bills, monthly payments, short and long term goals and more.

Having this notebook available during the meeting allows us to have shorter meetings because we are not wasting time looking for documents or information.

3. Choose sides.

Before starting a financial meeting I remind myself that Germaine and I are on the same team. This can be hard when money is shrinking and tempers are growing but it’s going to be a powerful tool in the successful outcome of your finances.

Ending a meeting knowing we were working together toward a common goal always gave my husband the push he needed to go out and make it happen.

Knowing he was on my side by showing empathy for my fears about financial strains and shortfalls made me confident that we were in this together.  You have to remain in the same team.

sidebar divider right

In our family, my husband is primarily and ultimately responsible for the outcome of our finances, however we both work together to manage our money and reach of goals.

We’ve settled into our financial roles through careful prayer and consideration. We’ve identified our strengths and weaknesses and use them accordingly to strengthen the impact of our financial decisions.

I want you to succeed in your finances and have partnered with Genworth Financial to share six posts over the next six months where I will give financial insights into things that have helped Germaine and I better manage our wealth.

I hope you will join the conversation, learn a lot and become a better steward over your finances.

To see what goals we accomplished this year, check out this video.″ />

What goals have you set and accomplished this year?