Posted in budget, Debt management

I’m still in debt…

I don’t know about you, but I. Am. Still. In. Debt. 

How do you get out of this limited mindset? I want to be debt free, have more and spend more. I want to buy our first home. I want to take my family on debt free trips and pay for all of it with my abundance. I want all my debts completely eliminated!

After all these years of having this blog, I feel like I’ve gone nowhere! Here’s to a future of paying off bills and eliminating debt! 🥂

Step 1. Buy only what you NEED, not what you WANT. Yep, there’s a difference. Now to explain that to my 8 year old. 

Step 2. Create a budget. Yes, a BUDGET. And stick to it!! Intentions get you nowhere unless you FOLLOW THROUGH. 

Step 3. Track spending for 30-days. Where does the money go?

Step 4. Track business expenses in a valid app or computer software. This will help make the tax season easier next time!

Step 4. Coupon. Use coupons and track how much you’re saving from week to week!

Step 5. Keep blogging!

Follow me. Let’s go on this journey together. Send me your tips and I’ll share mine. Let’s become debt free together!

Posted in Uncategorized

And then you got the pink slip….

Everything’s going all fine and dandy. You love your job, your finances are back on track, your family is healthy, and you are loving life. Then your boss calls to speak with you. He says your position is being cut. You have several months in the position and he encourages you to look elsewhere for another position. 

Your brain slams on the brakes! What just happened? How did you not see this coming? What do you do now? Can your current boss really expect you to do your job to your fullest knowing they’re letting you go? 

Well, it suggests in Colossians that we should do everything to please God, not man. So we should do everything to the best of our ability, even when our heart is no longer in it. So, yes, do your job to the fullest of your ability. And keep smiling. Don’t let anyone see your worry or frustration or stress. They have their own burdens they are carrying that you know nothing about. They don’t need to take on yours, too.

One day at a time, that’s all anyone can expect from you. One step at a time. One job application at a time. Now is the time to revamp your resume, take a peek at positions available in your area, consider the options of doing something different, and be open to traveling a little further if you need to. Whatever the case may be, you need to start somewhere.

You can do this. You will get there. God willing, you will find something bigger and better that you never dreamed possible. Keep dreaming. No dream is too big, just focus one breaking that dream down into smaller goals along the way. You can only eat a cake one bite at a time. 

Posted in budget, finances, income

2017 budget goals

In this new year, there’s new budget goals! I hope to pay off some credit cards, lay off the spending, and build up a savings. I know we’re already a month in, but, what are you still shooting for?

Goals need to be written, something tangible, something specific, something measurable and have a deadline. Break up the huge goals into smaller bite sized ones. I mean, you can’t eat a whole cake in one bites right? Neither can big budget goals be accomplished in one moment, otherwise it wouldn’t be a big goal, right?!

Anyhow, last year I stopped using credit cards. It brought me into crazy debt that I couldn’t pay off. This year the goal is to stay credit card free and to pay off some of those obligations. I also have new obstavles, but I shall not allow it to stop me. How does being laid off from a job spin your world?

I’m on a quest to be more and do more. I want to be a work at home mama, so I can be more available for my family. I want to focus on my growing business and allow that to be my sole income. A few of my friends are succeeding in this without being torn from home or their kiddos, I can do this! Want to know more about how you can do this, too? Reply below or message me on Facebook!

So what’s my budget goals for the year? No credit cards. Pay expenses on time, every month. Build up a savings account, even if it’s only $50 a month (I need to start somewhere!). And become a work at home mama with my growing business, which means earning the same monthly income or more before the end of the year.

Posted in Christmas, Gifts, Uncategorized

When someone you didn’t expect gives you a Christmas gift…

The neighbors or coworkers give you a little gift this Christmas. You weren’t expecting it. You didn’t even think to get them anything. What do you do?

This is my dilemma every year, I swear. People give little somethings and I have nothing in return. You see, it’s not that I’m not in the spirit. It’s that I don’t think that far ajead a lot of times to consider getting or making things for others until it’s way too late to try. 

It’s not in your budget. It’s not expected. I’m at a loss at what to do now. 

What do you do when someone gives you something when you weren’t expecting anything? Do you rush to the store to get them something in return? Do you just humbly say thank you and accept it? Do you refuse it?

Posted in budget, finances, income, Job Hunt

3 places to job search

Sometimes, making ends meet financially is harder than it looks. Yes, you can budget. Yes, you can sell all that stuff you no longer need. But after that’s all said and done, are your expenses still higher than your income?

I’ve been there! Sometimes I still feel like I am, especially in seasons like this one where we’re so focused on spending time with family and gift giving. I don’t know about you, but I’m feeling the pressure of just making it until the new year with one pay day left in the year!

Well, if looking for a better paying job or maybe getting a second job is the path you’re on to be more financially stable, where are you looking to achieve this? Where do you start? 

3 places to turn when looking for a job:

LINKEDIN – LinkedIn is a professional platform similar to Facebook where you have the ability to connect with former coworkers, friends, clients, vendors, groups, etc. Each user can upload their resume, not limited to the length like a regular resume (generally 1-2 pages) and if there’s an article about the company or position the user can attach it to the particular job. This is also a platform that allows others to put a good word in for you! There’s job announcements and articles that you can like and share and comment on as well. It’s a great way to get connected in the employment world!

INDEED.COM – is a very popular job search engine that pulls job announcements from all over the internet and places it in one spot. How convenient! When you find an announcement you like, simply click on it and the site will take you to the original post. Double convenient! You can upload your resume in and allow employers to find you just as you search for them. Win-win!

INFORMATION INTERVIEWS – Conduct information interviews. What is that?! Well, it gives you a chance to meet the key players in a company. There’s no pressure on you not them. Do not bring a resume to this information interview! Call or message someone at a particular company you’d like to work in and ask to set up a 20-30 min information interview. The goal of this is to stick to the timeframe you set because you want them to know you think their time is valuable! Meet in a space that’s unbiased yet convenient for both of you. And bring a few questions to ask the person about the company and a particular position. You can ask about their requirements and what they look for in a candidate. You are trying to gather information about the company and position(s). In turn, they may ask about yourself. This may give you an edge to get that upcoming position! 

These three simple ways to find a job, hopefully a better culture, salary, and utilize your education and skills a lot more would be ideal right? Hopefully a place you can utilize that passion, your occupation desires. I hope you find this useful and it helps you to get debt-free down the road, too! 

Posted in Freebies, shopping

Would you buy something if it came with a free gift?

There’s so many ads out there to get your last dollar before Christmas. Everyone wants to make a sale. Sometimes a purchase comes with a discount or a free gift or an entry for a giveaway. Whatever it is, does it help you to make your decision quicker to go either way? 

Currently, there’s a product out there that I’ve been using for a little over two months. It has benefitted me and I’m very impressed with it. If I bought it and received a free gift in addition to it, I would try my best to afford it sooner rather than later and hope I didn’t forget!

What if said item already comes with two freebies for a limited supply holiday bundle and then there’s an additional freebie? Whoa! What a deal! Is it really a value to you? Personally, since I’ve used all of the above? I say, “Yes!” More than worth my hard earned cash!

Now, benefits of each item is amazing and I use it daily! What could this be? Like, comment, and subscribe to this page and I’ll tell you more!

Posted in Christmas, shopping

3 places to get those Christmas gifts!

Halloween snuck up on us. Thanksgiving came and went quickly. Now we’re heading towards Christmas, are you ready with those gifts??

You’ve come to the perfect place. I have THREE options for you: 1) support someone who sells through direct sales or network marketing, 2) order products online by December 12, and 3) craft fairs!!

Support someone

Okay, you may think I’m crazy, but direct sales and network marketing are taking the consumer market into a whole new level of shopping! We’ve gone from mom & pop shops to corporate conglomerates and back down to direct sales where products are delivered to your own home! In our world of convenience, this is PERFECT!! 

Now how does direct sales and network marketing really work? No, it’s not pyramids. Pyramids are illegal in the US, seriously, we aren’t dumb. Direct sales and network marketing, also known as MLM, benefit your relative, friend, neighbor, it’s their livelihood. It’s a business they run themselves to earn money for their family. It’s the opposite of buying from a retailer where the profit goes to someone you don’t know and will likely never meet. Give someone you know some slack, try out whatever they’re selling!

You could also give yourself the gift of your own direct sales or network marketing business! I personally have two that you’re welcome to check out: and

Order online

Now, the second place to get those gifts is online! There are many online stores, even the handy Amazon! I just ordered a bunch of items on Amazon and they are scheduled to deliver the 22nd. So you may want to make sure you order by the 12th to get those needed items before Christmas! 

Gifts can range depending on who you’re buying for. It could be something for a family as one gift or for each child. Either way,amynpeople prefer to give something different or unusual, yet something they will appreciate, right?

I have my own direct sales products that I’ll shamelessly plug here. Currently for the US and Canada only, our products use a multi-med therapy designed by world renown & Stanford trained dermatologists with the #1 anti-aging and #1 acne brand in the US premium market. Comment below if you find yourself or someone you love who may be interested in your skin being smoother, clearer, glowing, and/or younger-looking.

Craft fairs

Here in Hawaii, we always have craft fairs as well, that’s another option to buying something unique! There are so many talented people who create such amazing things!! These fairs give you a chance to buy products from your own community! 

Whatever you decide to purchase for your family and friends, you’re on a deadline! Christmas is 15 days from my writing this post. Get on the ball!!

Posted in Uncategorized

Check the dates before buying!!

Just a little heads up!

When buying groceries, check the expiration dates on each product! I’ve had this happen more than once, yet I seem to forget to check dates quite often!

Yep, bought this sliced ham on Nov 12, but it expired the previous day! Aaahhhh!! I tossed the receipt so I guess this is a lesson to be learned!

Do you ever do this??

Posted in Uncategorized

I took a risk and why you should, too

Wake up, take the child to school, go to work, pick up child from after school care, go home, sleep, every day the same routine. Yet, we spend so much time trying to pay off bills and save money for something big. How is that to happen unless we do something different?

Well, I was looking. I was researching to start my own business. I was willing to work a second job part time to make ends meet. But it all meant spending more money and having less time with my family, the opposite of what I was trying to accomplish to begin with! Oh how I prayed God would drop something in my lap!

One day a few months ago, an opportunity to start my own business literally fell into my lap. Whoa! This is HUGE!! And unlike most home business opportunities, there’s minimal startup cost, no inventory to carry and no quota I have to meet? No way! There’s a historical background that is dependable, too? How does something this good just fall in my lap?!

It’s a risk I was willing to take with my husband on board for this venture. It’s been a few months and we’ve learned and frown every step of the way. I am overjoyed with this business! It’s been exciting and fun, I’ve grown more confident in myself, and reconnected with so many friends since I started!

This very virtual business has had me on Facebook, Instagram, & Twitter way more than before, but it’s all been to build a following and to create momentum. It’s all to reconnect with old friends and make new connections! If you can make extra money in your spare time, what’s stopping you?

Interested in what’s got me so excited in just a few months? Reply, share, find me on Facebook, message me on Instagram, or tweet me, I’ll be waiting!! You too, can achieve time freedom, become truly debt-free, and enjoy life without stresses!

Posted in budget, Debt management, finances, MONEY: Mastering the Game

Budget yourself!

In my last post, I mentioned how I have been saving receipts each month since January. I’ve started to add up the receipts to find out where we spend our money. Keep in mind, the cell phone bills, utilities, car payments, insurance, and after school care is not included in my receipts as those remain pretty constant. 

Wow, we spend approximately $800 a month combined at Walmart, Target, and Safeway. Whoa! What are we buying at these stores?! Mainly food items and occasional clothing (at Walmart and Target). We also get household items like toilet paper, paper towels, cleaning supplies, and school supplies. But $800??

And we’ve been spending about $300 at restaurants. What?! The more popular restaurants we seem to eat at include Taco Bell, Pizza Hut, Chili’s, and this cute little restaurant that I really enjoy called Spicy Ahi. Granted one month we had our son’s birthday party at California Pizza Kitchen, which ended up being costly, but not nearly as bad as what we spent at another birthday at ChuckECheese (and I’m not trying to make it seem like it’s okay to spend so much, but we didn’t throw him a party last year, either). So we have all this foods at home, but we spend many meals out eating someone else’s? Hmmm, there’s something wrong with this picture…?
So now that May is right around the corner (tomorrow to be exact), here’s to trying to be on a budget. Let’s cut in HALF the spending at the combined Walmart, Target, and Safeway. Only purchase what we really NEED and do lots of researching for coupons and price matching. That leaves us with $100 a week to these stores.

Also, cut in HALF what we spend at these restaurants. Why do we need to eat out so much? Take home lunch, even peanut butter and jelly will do for me. However our son needs something with a little more substance and not allowed to have peanut anything. Cut the restaurant spending to $25 a week. 

By the way, the ATM withdrawals are usually for things like after school care or medical co-pays. Andasbi usually do not have any cash on me, I’m starting to prefer having at least some cash for the ocassional small purchase I need to make. 

I will check in each week to see how we progress and stick to this budget crazy. There are other areas that I found unnecessary spending, but I really believe starting with these two big whammies will help to focus our spending.

And I just started reading the latest book by Tony Robbins, MONEY: Master the Game. It sounds enticing and I look forward to reading it through. I’ll be posting as I read and what I’m gaining from it as well. 

Happy last day of April and first day of May weekend!!