Financial information is the key to change.

Unfortunately, for most of us, basic financial information is not taught in schools. We live in a country that continues to pass out diplomas to people who lack healthy financial skills, creating a society not prepared to handle the financial ups and downs of everyday living. The road to financial freedom is paved with information; join me on my journey.

Lucille Tyler Baldwin

Author of "Sick and Tired of Being Broke"

Tuesday, February 18, 2014

The Journey to Wealth: The 2014 Money Saving Challenge

The Journey to Wealth: The 2014 Money Saving Challenge:       MONEY - SAVING - CHALLENGE!   How long does it take to form or change a habit?  I have no idea - I just wish that there was...

The 2014 Money Saving Challenge

 Stock Illustration - 3d man saving money, on white background. Fotosearch - Search Clipart, Illustration Posters, Drawings and Vector EPS Graphics Images  MONEY - SAVING - CHALLENGE!
  How long does it take to form or change a habit?  I have no idea - I just wish that there was a magic wand or potion that could make me instantly develop good habits.  I would drink a language cocktail so that I could speak Spanish fluently, and  a double exercise cocktail so that I could have a beautiful flat stomach. 

  Since there are no magic potions it will be necessary for us to take a leap of faith and depend on ourselves.  I need volunteers to participate in the challenge (I am looking for my Miller Homes family from New Jersey to participate!) 

     If you are interested in forming a habit of saving money - then take the challenge.  Leave a message in the comment section.  If we share DNA I am also looking for you to take the savings challenge.  If we are of the same gender "ladies" then I am looking for you to take the challenge. I am calling all men - I challenge you to take the savings challenge.       

     What will we have to show for our lives if we never keep a portion of what we earn?   Are you content with the state of your finances?  Do you have money set aside for emergencies?  Have you started saving for retirement?  How about the children that you love - have you started a college fund?

   We are never too young or too old to get started.  No amount is too small.  At  the end of each day I need EVERYONE - this means YOU! - to start cleaning out your pockets, handbags, purses, book bags, and find all your loose change.  Did you know that if you save an average of $1.37 a day at the end of the year you will have $500.00? 

     I need EVERYONE - YES YOU - AND YOUR KIDS -AND YOUR SISTERS - AND YOUR BROTHERS - AND YOUR BFF - to find a mason jar, a box, a bag, or a bank and start saving your loose change.  We have the remainder of 2014 to develop the habit of saving a portion of what
we earn. 



Monday, February 17, 2014

To Create Readers - We Must Become Readers!
cute colorful cartoon boys and girls 01 vector image

33% of high school graduates will never read a book again!

42% of college graduates will never read a book again!

80% of American households did not buy a book last year!

70% of adults have not been in a bookstore in the past five years!

It you read just 15 minutes a day you will read 1 million words a year!!
A story can take a child to another land.
Words have the power to educate, encourage, heal, and empower children.
It is 10:06 pm have YOU read a book lately?

Sunday, February 16, 2014


I Love Being Broke! - I Love Living Paycheck-to-Paycheck! - I Love Not Having Money For Emergencies! - I Love Owing Student Loans! - I Love Having No Money To Retire! I Love Depending on the Government!  I Love Asking My Parents for Money!
 This is the Life  That I Want For My Own Children!


keep at least 10 cents of every dollar that I earn for myself.
work to reduce my consumer debt.
do without my daily coffee and doughnut if it would help me to reduce my debt.
make time to read and understand basic financial information.
start preparing for retirement while I am still young.
teach my children the value of a dollar.
be willing to delay gratification
 spend time in book stores.
run my household like a business.
not spend money that I do not have by using credit cards.
use my power and vote.
take responsibility for the choices that I make with my money.

Tuesday, February 11, 2014

Retirement is for Old People.


     We will die young or eventually reach the age of retirement.  Young people believe that retirement is something that only happens to old people.  Guess what?  At the end of each day you are one day closer to "old age" and one day closer to reaching the age where people start to retire.

     No worries old age is for "old people."  No need to think about growing older or how you will eat, live or pay your way - those concerns are for "old people."   NO WORRIES - The money will come from somewhere!

The Reality

       According to the Social Security Administration, if you randomly take 100 people at the start of their working careers and follow them for 40 years, at retirement age:

1 will be wealthy,

  4 people will be financially secure,

 5 people will continue working out of need,

36 will be dead, and

 54 will be dead broke depending on their Social Security checks, family, and even charity.


         Because of a lack of knowledge and na├»ve assumptions, Social Security has unfortunately become the main source of income for almost 50% of retirees.  In reality, a monthly social security check will only replace about 40% of a worker’s earnings, and alone may not even provide a standard of living above the poverty line.  Nevertheless, according to the US Department of Health & Human Services, 96% of all Americans will retire financially dependent on the government, family or charity.  

Wednesday, November 20, 2013


in 2014

The wealth gap between the haves and the have-nots in this country continues to widen. We are fast approaching a new year. Do we continue using the same kind of thinking and actions in the new year that has prevented us from living debt-free and creating wealth?

Do we continue feeding our minds with chaos such as reality television shows that teach us that behaving badly is okay, movies that teach our children how to become the next jack a** stars, or shows that teach our daughters that being a bad girl is cool? Do we continue spending billions of dollars on violent video games that seem to sap our children of creativity, respect and patients?

Do we continue to stand in long lines on Black Friday to spend borrowed money? Do we continue creating debt that will take us years to repay? Do we continue putting on a happy face pretending that life is great? Will we spend another year thinking of reasons not to take charge of our financial situation? Will we spend another year helping to create additional wealth for the haves?

It is time for us to take charge of our money, reduce our debt and start paying ourselves.


Lucille Tyler Baldwin

Thursday, November 7, 2013


When circumstances knock us down, we have three choices: 1. we can stay down, 2. we can get up a victim and continue to struggle, or 3. we can get up wiser with a new determination never to be down again. 


Wednesday, December 5, 2012

The Journey to Wealth: The true cost of borrowed money.

The Journey to Wealth: The true cost of borrowed money.:   Debt is debt- we can all learn together. Great information from the UK. I received an email today that I would like to share. ...

The true cost of borrowed money.


Debt is debt- we can all learn together.

Great information from the UK.

I received an email today that I would like to share. 
 Financial information is the building blocks to a stronger foundation.  The use of knowledge is powerful, but information without action is just words. 

Hi there,
My name is Melissa and I'm a freelance writer. I was recently involved with researching a number of guides on behalf of one of the biggest consumer advice sites in the UK and I thought this one would be of interest covering some really useful tips and information about finance that a lot of people misunderstand and some solid advice that applies no matter what country they happen to live in.
I noticed that you have a great set of resources on your site on a similar theme:
Given the experience my cousin had where she borrowed far too much without realising the true cost, I think the credit card report contains a lot of useful information and more than warrants inclusion as a resource on your site and as one of the team I would love to see it get a mention.
Thanks for the information Melissa.

Wednesday, November 21, 2012

Lucy's Kids and Money

I have been away from my blog for awhile working on my next project.  A series of six books for children and young adults introducing them to basic financial information.

 With 95% of Americans in debt or struggling financially, bankruptcies at an all time high, and student loan debt nearing a trillion dollars, the need to introduce children to basic financial information is crucial.  Albert Einstein said that the definition of insanity is “doing the same thing over and over and expecting different results.”  In today's economy, continuing to withhold financial information from our children is insanity.  Numerous titles have tackled the issue of introducing children to the world of finance.  What makes my book(s) different from other finance books for children?  Lucy’s Kids and Finance is a series of six books that will introduce children to basic financial information as it relates to everyday life.

The books will give adults the opportunity to empower the children in their lives with the information they need to begin building a healthy financial foundation.  Some of our best and brightest students are graduating from high school and even college never learning how to balance a checkbook or the importance of having good credit.  Before a child learns to read they learn the alphabet.  Lucy’s Kids and Finance books are the ABC’s of financial information for today’s children. 

I am now seeking an agent that understands the need to empower our children with basic financial information.  I am seeking an agent that believes as I believe - that learning basic financial information can give us the power to make better financial choices.  If you are that person than please contact me at


Tuesday, August 9, 2011

Unplug and Save!

I have heard/read for years that if you unplug electrical appliances that you are not using you can save money.  I am here to tell you that I started unplugging about three months ago and it really does work.  I unplugged items such as: printers, toasters, televisions, chargers, lamps, etc., and reduced my electric bill the first month to $46.47!  I must admit this was the period when I no longer needed to use my heater and did not need to turn on my air conditioner. 

The second month my bill was about $75.00 and this does reflect the use of my air conditioner which I turn off when I plan to be away from home all day.  My savings per month is about $90.00.  Let me know if anyone else is unplugging and saving money.

Remember to get a copy of "Sick and Tired of Being Broke" The First Steps on the Road to Financial Independence available at