I AM WOMAN

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. 

 

YOU: Are the Boss of Your Money!

If you give your money no direction, it will run wild and you will not get ahead financially. One of the main road blocks to becoming debt free is the "excuse monster."  The excuse monster is always hanging around feeding himself and getting fat on our excuses. The excuse monsters are a lot like hungry hippos covered in you know what: waiting to eat. Debt can be a growing monster that will continue to feed until it eventually consumes you.

"I cannot afford to save money. I have too many bills."

"I do not have any extra money."

"Everyone has debt."

"I only spend money on things that I need."

"I need my credit cards for emergencies."

Excuses can be never-ending and last a lifetime. To make matters worse, we unknowingly pass down those excuses to our children, giving them ready-made reasons to struggle financially.

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


    

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.

Introduction: Sick and Tired of Being Broke

Journey to Wealth for Ordinary People

About Me

Hi

     My name is Lucille Tyler Baldwin, I am not a financial advisor or an expert when it comes to money. What I am is a divorced mother of two who was Sick and Tired of living paycheck to paycheck and decided to take charge of my financial situation. My life had taken an unexpected detour. I had become a single mother raising my daughters alone. I believed in love and fairy tales and thought that love alone was enough to create a happy life. I NEVER imagined that I would be divorced and raising my daughters alone, but hey, life happens!

     At the tender age of 21 I married my high school sweetheart and moved hundreds of miles away from my family and friends. I was full of life, love and ready for new adventures as a military wife. I sometimes like to joke that I was young and dumb, but that’s not nice. What I learned on my journey is that it does not matter if you are a janitor, a server, a teacher, or even a single mom, the power to become debt free and create wealth is in your hands.

Why Did I Write a Book?

     I wanted to write a book for others like myself who grew up without the benefits of basic financial information. The sad truth is that almost 80% of Americans are in debt and struggling to make ends meet or just not getting ahead financially.

     The main cause of this problem is simple: a lack of financial information. Until recently I was one of the 80% overwhelmed with debt and struggling to make ends meet. Once I learned how to take control of my money my goal was to share this empowering information with others. I started with .25 cents, determination, and a plan. The most powerful tool that I had was the belief that living debt free was possible. If I can do it, you can do it! If you are ready to free yourself from debt and watch your bank account grow then I invite you to join me as I continue my journey to creating wealth.

Lucille Baldwin
Author of "Sick and Tired of Being Broke"
http://www.site.sickandtiredofbeingbroke.org/