Implementing Change

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It’s the end of the month and the beginning of a new one, which means it’s time to update our monthly budget/business plan.

There’s always utilities that remain the same, so this should be pretty easy. Remember to add a new credit card payment or personal loan to the expenses and use the money saved or left over to pay those debts off as quickly as possible. Paying off interest accruing debts will help to save money. As the CEO of your household, increasing wealth and paying off debt should be the focus as you build your legacy, while passing on these good practices to your progeny for years to come. Master your finances, not the other way around.

It’s also a good idea to check your credit score and submit any disputes or correct inaccuracies as well. If you haven’t already, make sure to check out my book “Journey Into Finance” which is available for purchase on, and the Kindle reading app (if you don’t have a Kindle, we offer the link on this site), and also on and Nook. BTW-Nook is offering a 10% discount. When you purchase the paperback/softcover for $15.99, remember 50% of the proceeds go to fund ENTowner Build A Legacy Inc., programs and services.

To those who’ve already purchased “Journey Into Finance”, left reviews (telling of the things that help and encourage them on their path to understanding their relationship with money), I send you much love and appreciation. 🙂 Thank you for your support! It’s not always easy being an entrepreneur, if it were, EVERYONE would do it. As a writer, sharing intimate life stories in my book and online for everyone to read is quite intimidating; but if we kept everything to ourselves, this world would be a very dull place. So to all the writers, authors, and storytellers around the world-thank you for having the courage to share.

If you haven’t noticed, we’re monetizing this blog (through affiliate links) to help with fulfilling our purpose of sharing knowledge and creating more abundance (in mind, health, and wealth) for generations to come. Thank you for clicking on the links and making purchases from My Favorite Things.

That’s all for now folks.

Wishing you peace, love and prosperity,


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Opportunity to Serve

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Opportunity to Serve

Financial Illiteracy Epidemic & Opportunity to Serve

Financial problems have reached epidemic proportions in our country, a crisis that causes major problems at both the community and national levels. Financial issues contribute to a variety of troubles many people face today: from crushing debt to retirement shortfalls. And the stress associated with financial issues can have devastating emotional impact. This epidemic hurts not only individuals, but the community as a whole.

Current statistics clearly indicate that many Americans are suffering greatly from a lack of practical financial knowledge. Reading these statistics and research is like looking into a crystal ball. Learning that as many as 75% of college students lack money handling skills tells us that those students are likely to run into credit problems in the future. Reading that the majority of U.S. adult workers have no savings or retirement plan tells us that those people will be unable to retire.

The U.S. economy is consumption-based. As people become unable to afford purchases- that reduces the country’s GDP. The whole world will feel the effects. But according to the NFEC, the country’s leading financial education providers, simply raising people’s personal finance knowledge empowers them toward secure futures.

Getting the message out is our main objective!


I wish I had more time…

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Dear readers,

I hope everyone is doing well and getting back on track with their money matters, I know I am. Even stepping it up a bit in 2016. Ha! Yes, even with my hectic schedule, I took on yet another task. This one is a reading challenge. Pretty easy right?  Uh, no.Skeptical

Well, that’s what makes it a challenge, because you have to make time for it, and I must stay true to myself. With all my lifestyle changes due to health concerns, I hardly have time to breathe let alone read a book. But I made a commitment to some friends and I’m surely not going to back down from a challenge. winkingsmiley

“Working smarter- not harder”, that’s my motto. So, I’m looking into a project that will allow my books to be added to Audible. (No, that’s not a typo I’m a published author now, and I plan on writing more  smiley ) Oh, you didn’t know? I apologize, I thought I mentioned it in my earlier post “A Writer’s Life“. Yes, I finally got it done, although I almost didn’t! Yay for me! Like I said, my life has been very busy, and it’s not slowing down anytime soon. *Thank God*, it’s all good; I won’t complain. However, I’ve digressed from the topic at hand,which is listening to books on Audible. Don’t get me wrong, I like to hold a copy of a writer’s work in my hand and see their autograph, I’m only looking at an alternative way to max my time and win the above challenge. Hehe.

This is what I like about Audible. I save money and time by listening to a book through my headsets while I’m cleaning the house or doing other chores, and every month, I receive a free credit point that I can use to buy more books! Isn’t that awesome? I think so.

After the initial trial period, the monthly membership will more than pay for itself time and time again. I’ve been able to stay up on my reading game AND keep my life on track. It’s definitely worth trying.

Well, that’s all for now…TTYL.

Peace, love, and prosperity,


Try Audible and Get Two Free Audiobooks