TAKING CHARGE OF YOUR MONEY

in 2018

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

Growing: The Wealth Gap

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?

We are surrounded by information that can help us improve our lives on every level.  How will the haves spend the new year?  Will they invest in learning are things? Freedom of choice is powerful.  How will you spend the new year? 

Lucille Tyler Baldwin
author of "Sick and Tired of Being Broke"
http://www.thejourneytowealth.blogspot.com/

Financial Bondage: Chained to Our Debt

FINANCIAL BONDAGE:
When We Become Chained to Our Debt!
Is this your life?

 

Working to become DEBT FREE

in

2013

OR

is this "YOUR life?

"DEBT-FREE"

We have the power to become debt-free.  Let's do it together.
Million Dollar Girls Club

coming soon!

Lucille Tyler Baldwin
Are you interested?

Coming Soon: Christmas Debt 2018

Christmas is a day that can create "unnecessary" debt. The one thing about Christmas that we can always count on is that it falls on the same date each year, giving us three hundred and sixty-five days to prepare. The insanity is that we are somehow caught off guard every year, and we sing the same "I cannot believe the holidays are here already" song.

Christmas is around the corner and will be knocking on our doors very soon. The advertisers have already begun to fill our subconscious with a desire for unnecessary items: along with the belief that we can have it all with the swipe of a credit card. Do not give... 

Stay Strong and Avoid Christmas Debt

                                           

Going back five years - what gifts did you receive for Christmas?   
                                         

Lucille Tyler Baldwin

Author of "Sick and Tired of Being Broke"
http://www.thejourneytowealth.blogspot.com/
lucybaldwin27@yahoo.com

CREDIT: Friend or Foe?

     Are your credit cards helping or hurting your financial situation. For most people credit card dependency is out of control and creating chaos.  If your credit card use is creating chaos - then put away your cards and stop creating new debt/problems. 

     To avoid running to a loan company or digging out your credit cards you will need to build an emergency fund.  I know that it will be difficult, but if you are trapped in a hole the only chance of getting out is to - Stop Digging.  It takes work but it is possible to build an emergency fund; I know, overwhelmed with debt I started with 0.25 cents, determination, and a plan.  I was a divorced mother with two kids working at the
Big K!
                                                                    
     I know that you can take charge of our finances because I watch you everyday spending money. So, cut back on the fast food; soft drinks, smoking, dinners out, having your nails done, trips to the mall, your favorite cookies, those candy bars in the bottom of your purse, put back the blue hair, the new outfit, the magazines with Kim K on the cover, the double shot of vodka and cranberry, that $4.00 bag of chips, skip the drive-thru for a day or two, and no you cannot afford to treat your friends to dinner! And you with the $5.00 cup of coffee put it down and walk away.

     No more excuses claiming that money is too tight; remember I see you!  If you can only afford to pay yourself a quarter, then pay yourself a quarter.  I do not care if you can only afford a penny; then pay yourself a penny.  The key to your success will be to keep paying yourself until your pennies or quarters become dollars.  Get a jar and start tossing in your change and email me to order a copy of my book!  Change starts today with you.

lucybaldwin27@yahoo.com  http://www.thejourneytowealth.blogspot.com/

Lucille Tyler Baldwin  Author of "Sick and Tired of Being Broke"

A Dose of Reality

I have spent the past few years begging, pleading, encouraging, and talking to people about the importance of saving money, reducing debt, and coming up with a financial plan. Most of the people that I meet, smile, nod their heads in agreement, but continue on the same path. Some people get angry when I give them my card. My business cards read "Sick and Tired of Being Broke" which is the title of my book. The title insults some people because they mistakenly believe that I am insinuating - that they are broke. I actually chose the title because I woke up one morning and "I" was sick and tired of living paycheck to paycheck and "I" was sick and tired of being broke!

Earlier this evening I received another dose of reality. I went to the store to purchase a new coloring book and a box of crayons for my granddaughter. In the store I met a young woman in line and gave her my card. Outside of the store we started talking and she shared her story with me. This beautiful young woman was homeless and planning to sleep in the car with her husband and child. I hear heart breaking stories like hers almost daily. So I am begging, pleading, and encouraging you to take charge of your finances, reduce your debt, and come up with a financial plan. Most of us are only a few paychecks away from being homeless.  Start a family emergency account today, no amount is to small.

Lucille Tyler Baldwin
Author of "Sick and Tired of Being Broke"

The Magic of Compound Interest

Albert Einstein said, "The most powerful force in the universe is compound interest."  Given enough time and patience, even modest returns can generate wealth.  The structure of compound interest is such that your money...

Lucille Tyler Baldwin
Author of "Sick and Tired of Being Broke"

http://www.thejourneytowealth.blogspot.com/

You have the Power to Break the Cycle

STOP and TAKE CONTROL

  Are you in debt? Have you made poor financial choices? Are you living paycheck-to-paycheck? Are you using Peter to pay Paul? Are you stressed because of your financial situation?

     You are not alone, not so long ago I could have easily answered yes to each question. The key to changing your life is having the strength to break away from the herd. More than 80% of Americans are going in the wrong direction. The question you must ask “yourself” is: do “you” continue traveling in the wrong direction? Or, do “you” have the courage to change course, educate yourself, take charge of your finances and learn to become debt-free?

     If you are a parent this will also give you the power to break the cycle. We teach what we know and we live what we have learned. If “you” learn to handle your finances you can pass that information down to your children: breaking the cycle. Do “you” have the courage to change? African-Americans spend 675 Billion Dollars a year, that number is expected to increase to ONE TRILLION DOLLARS within the next 4-5 years. Yet - the median “Net Worth” of a single black woman in America is only Five Dollars ($5.00)!

Courage: is the ability to do something that frightens us.
Courage: is strength in the face of pain or grief.