money management

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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Making A Difference

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Things have got to change

I hope you are enjoying your day, evening, or night. Yesterday, which was Saturday here in the United States- my husband and I decided to forego the usual dinner and a movie out (yes, we still date each other), and get a Redbox bluray disc instead. We chose two movies one from a favorite actor Richard Gere – Time Out of Mind – the story of a homeless man haunted by his demons (for me), and Robert Dinero- Heist an action thriller that had you cheering for the bad guy at the end (for him). Although neither one received an Oscar or an Academy Award nomination, from my perspective, they both shed light on making a difference through their choice of movie roles that emphasize “being the CHANGE you want to see in the world“, and on a scale of 1-10, I give them both nine stars!

time out of mind“Time out of mind” is shot mostly with hidden cameras, we watch George (Richard Gere) walk on the streets, just as other homeless people that society pretends are invisible, do. We get to see from their point of view (the homeless) how cruel and indifferent the world is when it comes to deprivation, and mental health. He was in a state of depression and just gave up, that is until a jazz musician (Ben Vereen), wvereenho was very gregarious and also  homeless befriended him, showed him how to hustle up on some change, to face his reality of being homeless, to look for resources, AND reconnect with his estranged daughter. Not only that, but he was his confidant.

What made my blood boil was the scene when George finally accepted the fact that he was homeless and went to several Social Service agencies seeking assistance. They told him he needed a social security card, and a birth certificate in order to get a state issued identification card. Duh, the man is homeless with no funds and no family to help! He’s trying to survive day by day on the streets! I mean seriously?!Skeptical I suppose we never really think about this when we have our parents or other caregivers equipping us with the necessary tools to deal with the ignorance of some people in society, right? Those who stick to a rigid set of rules and can’t for the sake of their lives, think outside the box. Thank God, Richard Gere (I mean George), met with one lady who told him about the legal aid society who could help the indigent with a letter to obtain a birth certificate and demand his benefit case be opened immediately.

Now it’s becoming clear to me. Things must change. Imagine being shut down every time you asked for help from the very system that is set up to aid you and being told to go get this form and this document? Yet, you have no money or shelter? Thank you for shooting this movie Oren Moverman, for opening my eyes to the true struggle of the homeless in our society; but more importantly, the reasons as to “why”.

Smoking Will Kill You

heistIn this movie the Heist, the critics really gave it bad ratings comparing the film to Oceans Eleven (it was a popular movie) and saying how there was nothing new. Here’s my view- I thought it was a great depiction of how a gangster known in the streets as the Pope (Robert Dinero) can have a change of heart after facing his own mortality. After years of smoking cigarettes, a sultry young woman introduced him to vapor cigs; but it was already too late. The cancer was inside of his body and all through his skin. He was a man who lived by his gangster rules with no exceptions, no excuses, no apologies until this old friend told him omorris chestnutf his dying daughter’s dilemma and asked him for financial assistance. Spoiler: The ending wasn’t as much of a surprise as I listened to Morris Chestnut (who showed he can play a bad guy convincingly) rant and rave about how “nobody steals from him, and lives to tell the story!”


Robert Di Nero can still bring them in! I enjoyed this movie and would definitely recommend it to those that like action and suspense. It did kinda leave me wondering tho’— did Di Nero kill himself with the pack of cigarettes he pick-pocketed from the dead guy on the bus?


That’s all for now folks, until next time…

Wishing you peace 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!