Debt Into Wealth

It's been a while since I've talked about money management so today I'm going to talk about debt management and elimination. A few years ago I came across a debt elimination system called Debt Into Wealth by Greg Moore. I purchased the program then essentially forgot about it. Life got in the way and paying my debts off got put on the back burner. So I've dusted it off and will begin again.

Interestingly enough, and the thing that sparked my interested about debt elimination is this commercial I keep hearing on my local radio station. It's callled, wouldn't you know it, Debt Into Wealth, but the person who claimed to be the creator is John Cummuta. I've never heard of this guy and wondered if he bought the rights to Greg's program. I did a search on Google and see that these are two different programs. The program by John is actually called Transforming Debt Into Wealth.

Rich Single Momma

In reviewing his website I see that he is front and center on the page and his program costs a lot more. I guess it would since he has radio spots nationwide I'm sure and a slicker website. His deluxe system is a bit expensive for us single moms. The price tag is $349 plus shipping and handling. It comes with a 200 page manual, an instructional DVD, 12 cassette tapes, a Windows only software disk, and a few other extras. The basic program is $149 plus shipping and handling.

In comparison, Greg Moore's Debt Into Wealth system is $79, is a downloadable .pdf file, is compatible with Windows and Mac (which I have), and his website is barebones. To date I haven't heard any radio spots and I don't even know what he looks like. He sends out a free newsletter, so does John Cummuta; and he graciously helped me when I emailed him about a problem I had finding the original files I downloaded before.

As a single mom I am busy so I don't have time to go through a 200 page manual, plus 12 audio cassettes, and an instructional video. I'm sure a person with more time on their hands and more money would benefit greatly from Cummuta's program though. It's just not for me. So if you are serious about debt elimination check out either program. I highly recommend Greg Moore's Debt Into Wealth program for the price tag, customer service, and quick and easy implementation.

Have you used a debt elimination program? Have you used either one of the ones I mentioned? If so, how do you like it?

Having Trouble with Your Ex?

I discussed respecting your ex in a previous post. Here are a couple of practical ways to put that advice into effect. Trust me, it's not hard and it may even be fun.

 

Find one small thing to thank him for and one less thing to harass him about. You'd be surprise how saying “thanks” can soften a man's heart, so thank him for one thing. It could be taking the kids for the weekend (even though that's what he's supposed to do), it could be paying child-support on time for the month or at all, it could be for being on time to pick them up or dropping them off, it could be for being a great dad. Whatever it is you choose, make it genuine and keep saying it until you find something new. If you never find anything else, keep thanking him for the one thing.

 

Compliment him in front of your child. This may go against everything you have done up until now, but it's important for his children to see him as the good guy. Find one thing you can compliment him in front of your child. It doesn't have to be he's good looking or anything like that but something worthwhile. He may have been great at sports, fixing things around the house and/or cars, telling jokes, or a hard worker. Brag on him about the one thing you admired about him when you were dating.

 

Note: This advice is only for women who are dating or married to normal and average men. If you are in an abusive relationship this may not help you. You should get out as quickly as possible. If you are being physically, sexually, or verbally abused please get help. If you choose to use the relationship tactic above you do so at your own risk. Men who are emotionally unstable are not likely to respond positively to this relationship tactic in a way that will benefit you.

 

Next time I’ll discuss another secret to a successful relationship with your man. But for now, start respecting your man and remember that it’s about both of you winning and getting what you want. Let me know how it is going for you.

 

You Rock!

A Single Mom’s Guide to Getting Along with the Ex

If you are having trouble with your ex-husband or baby daddy, I’d like to offer a simple suggestion that will begin to change the dynamics of your relationship overnight. This advice may be helpful in getting or increasing the child support you have been fighting about, getting better cooperation about visitation, or having a more peaceful existence with your ex than you currently have.

 

Respect Him

Women hate to hear that because they automatically say that he doesn’t deserve respect because he’s a deadbeat, irresponsible jerk! What you are saying may be true, but if you don’t learn this one little secret you will always have trouble with men.

 

 

If you listen for a second to the man or men in your life you will hear him always complaining about not getting respect. You are not giving it to him, the boss is not giving it to him, and society is not giving it to him. He may not use the words quite like Rodney Dangerfield did, “I gets no respect around here!”, but he is saying it in so many other words.

 

If you are currently divorced and/or have a child with your ex you can apply the same principles. Even though things didn't work out between the two of you, throwing a little respect his way will go a long way in the future. Belittling and discrediting him is counterproductive. It only serves to make him angrier and harder to get along with. Every discussion and encounter with him will be like taking a thousand needles and sticking them in your eye. Don't do that to yourself or your children.

 

But, how do I respect him you ask? There is nothing to respect you argue! Well let me tell you a little secret: You are not respecting for his sake, you are respecting him for your sanity. It's his nature to need respect, especially from a woman and the mother of his children.  Remember, you want a conflict-free relationship with him because you have a child together, which makes your life easier. More next time...

 

Note: This advice is only for women who are dating or married to normal and average men. If you are in an abusive relationship this may not help you. You should get out as quickly as possible. If you are being physically, sexually, or verbally abused please get help. If you choose to use the relationship tactic above you do so at your own risk. Men who are emotionally unstable are not likely to respond positively to this relationship tactic in a way that will benefit you.

Debt Into Wealth

It's been a while since I've talked about money management so today I'm going to talk about debt management and elimination. A few years ago I came across a debt elimination system called Debt Into Wealth by Greg Moore. I purchased the program then essentially forgot about it. Life got in the way and paying my debts off got put on the back burner. So I've dusted it off and will begin again.

Interestingly enough, and the thing that sparked my interested about debt elimination is this commercial I keep hearing on my local radio station. It's callled, wouldn't you know it, Debt Into Wealth, but the person who claimed to be the creator is John Cummuta. I've never heard of this guy and wondered if he bought the rights to Greg's program. I did a search on Google and see that these are two different programs. The program by John is actually called Transforming Debt Into Wealth.

Rich Single Momma

In reviewing his website I see that he is front and center on the page and his program costs a lot more. I guess it would since he has radio spots nationwide I'm sure and a slicker website. His deluxe system is a bit expensive for us single moms. The price tag is $349 plus shipping and handling. It comes with a 200 page manual, an instructional DVD, 12 cassette tapes, a Windows only software disk, and a few other extras. The basic program is $149 plus shipping and handling.

In comparison, Greg Moore's Debt Into Wealth system is $79, is a downloadable .pdf file, is compatible with Windows and Mac (which I have), and his website is barebones. To date I haven't heard any radio spots and I don't even know what he looks like. He sends out a free newsletter, so does John Cummuta; and he graciously helped me when I emailed him about a problem I had finding the original files I downloaded before.

As a single mom I am busy so I don't have time to go through a 200 page manual, plus 12 audio cassettes, and an instructional video. I'm sure a person with more time on their hands and more money would benefit greatly from Cummuta's program though. It's just not for me. So if you are serious about debt elimination check out either program. I highly recommend Greg Moore's Debt Into Wealth program for the price tag, customer service, and quick and easy implementation.

Have you used a debt elimination program? Have you used either one of the ones I mentioned? If so, how do you like it?

Take the 30-day Challenge

There is a trend going on in the internet marketing world called the 30-day Challenge. Thousands of people who want to start a business and make money online are joining in. I am taking the challenge and I encourage you to do the same.

Here is a video of day one that is filled with valuable information. I'll let you take a look and decide for yourself.



Let me know how it's going for you. I'm already getting ideas so I'm off to make some money.

Rich Single Momma

Need Ideas for Making Money?

Here is a quick video that will give you some ideas for making money either online or offline. Youtube has a wealth of free information on how to make money online. I will post videos weekly that are helpful for you.



Rich Single Momma

Take the 30-day Challenge

There is a trend going on in the internet marketing world called the 30-day Challenge. Thousands of people who want to start a business and make money online are joining in. I am taking the challenge and I encourage you to do the same.

Here is a video of day one that is filled with valuable information. I'll let you take a look and decide for yourself.



Let me know how it's going for you. I'm already getting ideas so I'm off to make some money.

Rich Single Momma

Need Ideas for Making Money?

Here is a quick video that will give you some ideas for making money either online or offline. Youtube has a wealth of free information on how to make money online. I will post videos weekly that are helpful for you.



Rich Single Momma

Hydrogen Peroxide - Natures Cheap and All-around Sanitizer

I have been using Hydogen Peroxide for years now. My mom used it when I was a little girl whenever I scraped my leg or arms. It stung for a minute and bubbled up but it worked. I never got infections and it healed pretty well.

A couple years ago I found out that Hydrogen Peroxide has many more benefits than I could have imagined. It gets out blood stains, disinfects tooth brushes, is a great mouth wash and tooth whitener, and so much more. Do a search on the "benefits of Hydrogen Peroxide" and you many websites will come up that tells you in much more detail than I can. But here is what I came up with and summarize.

Hydrogen peroxide is the world's most natural effective
sanitizer. Why? Because it is the only anti-germicidal
agent composed entirely of water and oxygen.

The chemical formula for hydrogen peroxide is H202, and
the body produces it naturally when in a state of
optimal health. When the body becomes weak or diseased,
it is unable to produce the high amounts of H202 needed
to kill off infection and when the body is unable to
fight off infection, disease results.

H202 works by creating an environment of intensive
oxidation, which can be described as a type of chemical
reaction which causes the breakdown of organic
substances. H202 is vital for maintaining the body's
natural health. In fact, the effectiveness of
penicillin is related to its capacity to rejuvenate the
level of H202 in the body. In essence, penicillin works
by helping the body build up enough H202 to fight off
bacteria and viruses. Most harmful bacteria are
anaerobic, which means they can not survive in a highly
oxygenated environment.

Newer research suggests that we need certain levels of
hydrogen peroxide in order to facilitate normal
chemical reactions and to maintain the proper balance
of good bacteria in our system. Good bacteria are
generally aerobic, which means they will function well
in oxygen rich environments.

Aside from the health benefits of hydrogen peroxide,
there are many other uses for this "wonder" compound.
Anecdotal information suggests that hydrogen peroxide
can be used all over the house, in the following ways:

1) To clean and sanitize the kitchen. Use a 3%
solution to refresh counters and sanitize lunch boxes.


2) To clean vegetables and fruits. Add 1/4 cup of H2O2
to a sink of cold water. Add vegetables and fruits wash
thoroughly and rinse with cool water. This will prolong
the freshness and taste.

3) Wound care. Bathing or misting a wound with hydrogen
peroxide will help clean it while it speeds healing.

4) For your toothbrush. Soaking your toothbrush in
hydrogen peroxide between uses will keep it clean and
prevent transfer of germs. This would be particularly
helpful when your or someone in your family has a cold
or the flu.

5) As an astringent. Dabbing hydrogen peroxide on
pimples or acne will have you on your way to clearer
skin.

These are just a few of the many ways you can use
hydrogen peroxide in and around your home. There are
many others. Some people swear that ingestion of small
amounts of food grade, diluted hydrogen peroxide
provides complete body cleansing. (But only do this
under a doctor's supervision). People also use it to
help household plants grow, and to sprout seeds for new
plantings. The variety and possible uses make hydrogen
peroxide a "must-have" for a well stocked house.

No matter how you choose to use it, it's clear that
regular use of H202 will keep your house fresh and your
family healthy.

Rich Single Momma

Everyday Vacations

Take a Vacation Every Day

Is modern-day society leading to the extinction of free
time? It seems that the days of having plenty of time
to accomplish all of the normal day-to-day
responsibilities and having a bit of free time are
virtually gone.

How did this happen? All of the new technological
advances should be providing an abundance of free time.
Nearly everything has been automated in some way.
There are fast cars to transport us quickly to our
destination, dishwashers and robotic vacuum cleaners to
take care of household tasks, cell phones for immediate
communication and problem resolution, and computers to
speed up previously tedious tasks.

The problem seems to be that because we are capable of
doing so much, the expectations are higher. The bar
has risen. Our employers, our families and even we
have ever-increasing demands on our time. What can be
done to draw the line and hold on to a bit of sanity in
our lives?

One technique is to take a "vacation" every day. That
is not to say go away on a literal trip every day, but
rather take a break and do something enjoyable each
day. Allot some time each day whether it be thirty
minutes or even ten to do something truly enjoyable and
satisfying. For some this may mean doing nothing at
all. For others, it may mean doing something
meaningful that normally is not given full priority
over other obligations.

A sense of well-being can be accomplished with thirty
minutes of reading a good book, playing with the dog,
or simply relaxing under a big shade tree. Even ten
minutes of a relaxing activity can be extremely
beneficial in this day of non-stop constant on-the-go
activity. A ten minute rest for the eyes can really
add a spark to a dragging energy level. A quick walk
around the grounds can also offer a much needed break
and a chance to clear the mind.

Occasionally, when a greater amount of time can be set
aside, mini-vacations or outings should be planned. It
is important to include some fun in everyday life.
Extreme work schedules can ultimately lead to burnout
and other serious problems. Amazingly, time off spent
doing enjoyable activities can actually lead to more
productivity in work and family responsibilities.

It is reported that many in Corporate America are not
taking their earned vacation time in full. And, if
they do manage to take a vacation, they are taking
their cell phones and personal digital assistants with
them. It is important to find a way to take advantage
of this valuable time off. In terms of value, it is a
matter of health rather than dollars and cents. The
health of the country depends on utilizing time off for
personal relaxation and pursuits.

With a little planning and discipline, a balance
between work and life can be realized.

Rich Single Momma

Cashless Resources

Free Tickets
If you are going to be in Hollywood, California, you might want to see a TV show. Here is a link to free tickets to the most popular shows on TV. We might see you on television one day!

Free Website for Your Business
I recently learned that Microsoft is offers free websites to small businesses. You may have a part-time business, but don't have a website, so this is the perfect opportunity to get one up and running. You don't have to have a business to use the service. There are three levels of service which are all free right now, but after a while the two highest will require a monthly fee. The lowest level will remain free. Check it out.

Free Directory Assistance
Directory Assistance is a must when you are traveling or going to a new place and need information or directions to a business. With 411-Metro you can get free directory assistance, even on your cell phone. I have used it and really appreciate the service. The number to dial is 1-800-411-METRO.

Rich Single Momma

Hydrogen Peroxide - Natures Cheap and All-around Sanitizer

I have been using Hydogen Peroxide for years now. My mom used it when I was a little girl whenever I scraped my leg or arms. It stung for a minute and bubbled up but it worked. I never got infections and it healed pretty well.

A couple years ago I found out that Hydrogen Peroxide has many more benefits than I could have imagined. It gets out blood stains, disinfects tooth brushes, is a great mouth wash and tooth whitener, and so much more. Do a search on the "benefits of Hydrogen Peroxide" and you many websites will come up that tells you in much more detail than I can. But here is what I came up with and summarize.

Hydrogen peroxide is the world's most natural effective
sanitizer. Why? Because it is the only anti-germicidal
agent composed entirely of water and oxygen.

The chemical formula for hydrogen peroxide is H202, and
the body produces it naturally when in a state of
optimal health. When the body becomes weak or diseased,
it is unable to produce the high amounts of H202 needed
to kill off infection and when the body is unable to
fight off infection, disease results.

H202 works by creating an environment of intensive
oxidation, which can be described as a type of chemical
reaction which causes the breakdown of organic
substances. H202 is vital for maintaining the body's
natural health. In fact, the effectiveness of
penicillin is related to its capacity to rejuvenate the
level of H202 in the body. In essence, penicillin works
by helping the body build up enough H202 to fight off
bacteria and viruses. Most harmful bacteria are
anaerobic, which means they can not survive in a highly
oxygenated environment.

Newer research suggests that we need certain levels of
hydrogen peroxide in order to facilitate normal
chemical reactions and to maintain the proper balance
of good bacteria in our system. Good bacteria are
generally aerobic, which means they will function well
in oxygen rich environments.

Aside from the health benefits of hydrogen peroxide,
there are many other uses for this "wonder" compound.
Anecdotal information suggests that hydrogen peroxide
can be used all over the house, in the following ways:

1) To clean and sanitize the kitchen. Use a 3%
solution to refresh counters and sanitize lunch boxes.


2) To clean vegetables and fruits. Add 1/4 cup of H2O2
to a sink of cold water. Add vegetables and fruits wash
thoroughly and rinse with cool water. This will prolong
the freshness and taste.

3) Wound care. Bathing or misting a wound with hydrogen
peroxide will help clean it while it speeds healing.

4) For your toothbrush. Soaking your toothbrush in
hydrogen peroxide between uses will keep it clean and
prevent transfer of germs. This would be particularly
helpful when your or someone in your family has a cold
or the flu.

5) As an astringent. Dabbing hydrogen peroxide on
pimples or acne will have you on your way to clearer
skin.

These are just a few of the many ways you can use
hydrogen peroxide in and around your home. There are
many others. Some people swear that ingestion of small
amounts of food grade, diluted hydrogen peroxide
provides complete body cleansing. (But only do this
under a doctor's supervision). People also use it to
help household plants grow, and to sprout seeds for new
plantings. The variety and possible uses make hydrogen
peroxide a "must-have" for a well stocked house.

No matter how you choose to use it, it's clear that
regular use of H202 will keep your house fresh and your
family healthy.

Rich Single Momma

Everyday Vacations

Take a Vacation Every Day

Is modern-day society leading to the extinction of free
time? It seems that the days of having plenty of time
to accomplish all of the normal day-to-day
responsibilities and having a bit of free time are
virtually gone.

How did this happen? All of the new technological
advances should be providing an abundance of free time.
Nearly everything has been automated in some way.
There are fast cars to transport us quickly to our
destination, dishwashers and robotic vacuum cleaners to
take care of household tasks, cell phones for immediate
communication and problem resolution, and computers to
speed up previously tedious tasks.

The problem seems to be that because we are capable of
doing so much, the expectations are higher. The bar
has risen. Our employers, our families and even we
have ever-increasing demands on our time. What can be
done to draw the line and hold on to a bit of sanity in
our lives?

One technique is to take a "vacation" every day. That
is not to say go away on a literal trip every day, but
rather take a break and do something enjoyable each
day. Allot some time each day whether it be thirty
minutes or even ten to do something truly enjoyable and
satisfying. For some this may mean doing nothing at
all. For others, it may mean doing something
meaningful that normally is not given full priority
over other obligations.

A sense of well-being can be accomplished with thirty
minutes of reading a good book, playing with the dog,
or simply relaxing under a big shade tree. Even ten
minutes of a relaxing activity can be extremely
beneficial in this day of non-stop constant on-the-go
activity. A ten minute rest for the eyes can really
add a spark to a dragging energy level. A quick walk
around the grounds can also offer a much needed break
and a chance to clear the mind.

Occasionally, when a greater amount of time can be set
aside, mini-vacations or outings should be planned. It
is important to include some fun in everyday life.
Extreme work schedules can ultimately lead to burnout
and other serious problems. Amazingly, time off spent
doing enjoyable activities can actually lead to more
productivity in work and family responsibilities.

It is reported that many in Corporate America are not
taking their earned vacation time in full. And, if
they do manage to take a vacation, they are taking
their cell phones and personal digital assistants with
them. It is important to find a way to take advantage
of this valuable time off. In terms of value, it is a
matter of health rather than dollars and cents. The
health of the country depends on utilizing time off for
personal relaxation and pursuits.

With a little planning and discipline, a balance
between work and life can be realized.

Rich Single Momma

Cashless Resources

Free Tickets
If you are going to be in Hollywood, California, you might want to see a TV show. Here is a link to free tickets to the most popular shows on TV. We might see you on television one day!

Free Website for Your Business
I recently learned that Microsoft is offers free websites to small businesses. You may have a part-time business, but don't have a website, so this is the perfect opportunity to get one up and running. You don't have to have a business to use the service. There are three levels of service which are all free right now, but after a while the two highest will require a monthly fee. The lowest level will remain free. Check it out.

Free Directory Assistance
Directory Assistance is a must when you are traveling or going to a new place and need information or directions to a business. With 411-Metro you can get free directory assistance, even on your cell phone. I have used it and really appreciate the service. The number to dial is 1-800-411-METRO.

Rich Single Momma

Business Idea - Mini Massage Service

On my other blog I talked about simple self-indulgence in general and quick and easy foot pampering specifically. This morning I indulged myself with a foot massage and thought about how cool it would be to have someone come to my office and give me one. I've purchased those water foot massaging machines but they are not as effective as a real person. So an idea popped into my head that I'd like to share with you. Why not offer foot massages as a side business and charge $10-20.

Now some people have problems with handling feet so this is not an idea that's for everyone. The good thing about this service is that you can do it in your spare time, in the evening and on the weekend. If you are not sure that there is enough demand consider placing a small ad on Craigslist and see if you can make $100 from it. If you can, then you might have a winner.

All you can do is try and all that's required is lotion/oil and your hands. Be sure to let your clients know that you are not a professional massage therapist and that they are hiring you at their own risk (have them sign a disclaimer). A small amount of people care but the vast majority won't because they are getting a need met. So go forth and get your foot massage service started. You really have nothing to lose.

Rich Single Momma

Business Idea - Mini Massage Service

On my other blog I talked about simple self-indulgence in general and quick and easy foot pampering specifically. This morning I indulged myself with a foot massage and thought about how cool it would be to have someone come to my office and give me one. I've purchased those water foot massaging machines but they are not as effective as a real person. So an idea popped into my head that I'd like to share with you. Why not offer foot massages as a side business and charge $10-20.

Now some people have problems with handling feet so this is not an idea that's for everyone. The good thing about this service is that you can do it in your spare time, in the evening and on the weekend. If you are not sure that there is enough demand consider placing a small ad on Craigslist and see if you can make $100 from it. If you can, then you might have a winner.

All you can do is try and all that's required is lotion/oil and your hands. Be sure to let your clients know that you are not a professional massage therapist and that they are hiring you at their own risk (have them sign a disclaimer). A small amount of people care but the vast majority won't because they are getting a need met. So go forth and get your foot massage service started. You really have nothing to lose.

Rich Single Momma

Self-indulgence is Good for Single Moms

Too many time we as single moms forget to do a little self-indulgence. We think it's too expensive or there isn't enough time considering all the tasks we have to do. Well let me tell you, it doesn't have to be expensive or time consuming to show yourself a little love. The good thing is you can do it right now. Here is a quick tip that will make you feel like  you are walking on air.

Quick and Easy Foot Massage

For this how-to all you will need is lotion and your hands. It's best done in the morning or evening or both. Take your favorite lotion (I prefer my lavendar fragrance lotion because it relaxes me) and rub it on your clean feet. Now take one foot and rub the bottom in circular motion with your thumbs. You can do a combination of massage strokes to get the blood circulating. It only takes a minute to complete one foot so now you are ready to switch to the other foot. Repeat the same process and in two minutes you are done.

Your feet should feel relaxed and refreshed by now and notice that it didn't take an extra amount of time or money to get it done. Please take the time to indulge yourself on a regular basis. Your outlook will be much better because you are loving and valuing  yourself. Look for other self-indugence tips in future posts.

You Rock!

Rockin' Single Mom Sam

Riches and the Giving Cycle

With riches comes responsibility. Responsibility to God, the Source of all riches, to myself, and to my children. I also have a responsibility to show thanks by giving back in some way, because the more I give the more I get; the cycle can continue endlessly and I never get poor again. Which brings me to another thought. The more you give the more you get, so doesn't it make sense to give. If you are poor in finances try giving something away, preferably some of the little money you do have. Do it as a show of gratitude when you do have a little money and trust that you will get more. If you are poor in friends try being a friend. Give away a smile or helping hand to someone else. Trust me, it will come back to you.

The principle of giving can be applied to all areas of life. If you are feeling particularly poor in a certain area of your life just give something away and watch it come back to you. You may not see instant result, but you will see them eventually. I remember when my daughter was smaller but began growing out of her clothes, her crib, and toys. I began giving them away to people who needed them and pretty soon I noticed more blessings coming my way. I got a better job, a better place to live, and a better car. I didn't look for those things, but they just happened (not really) to come my way. I was making room for more by letting go of what I had. It wasn't out of desperation or guilt, but out of pure love. It felt good to give and I had no expectation of return because I was grateful for the chance to have it then give it away. That is how giving and gratitude works in wealth-building.

--
Rich Single Momma

Riches and the Giving Cycle

With riches comes responsibility. Responsibility to God, the Source of all riches, to myself, and to my children. I also have a responsibility to show thanks by giving back in some way, because the more I give the more I get; the cycle can continue endlessly and I never get poor again. Which brings me to another thought. The more you give the more you get, so doesn't it make sense to give. If you are poor in finances try giving something away, preferably some of the little money you do have. Do it as a show of gratitude when you do have a little money and trust that you will get more. If you are poor in friends try being a friend. Give away a smile or helping hand to someone else. Trust me, it will come back to you.

The principle of giving can be applied to all areas of life. If you are feeling particularly poor in a certain area of your life just give something away and watch it come back to you. You may not see instant result, but you will see them eventually. I remember when my daughter was smaller but began growing out of her clothes, her crib, and toys. I began giving them away to people who needed them and pretty soon I noticed more blessings coming my way. I got a better job, a better place to live, and a better car. I didn't look for those things, but they just happened (not really) to come my way. I was making room for more by letting go of what I had. It wasn't out of desperation or guilt, but out of pure love. It felt good to give and I had no expectation of return because I was grateful for the chance to have it then give it away. That is how giving and gratitude works in wealth-building.

--
Rich Single Momma

Back to School is Exhausting, Part 3

This is the last part of my tale of back-to-school exhaustion. Enjoy!

 

The day before school starts I spend the day shampooing and styling my daughter’s thick head of hair. My son gets his hair cut and we lay out clothes, shoes, socks, and backpacks. They are both nervous and excited and to be honest, so am I. The next day we get up, get showered, dressed, and fed then head out the door.

 

My daughter is catching the bus so I wait a bit for the bus to come but I have to leave before it gets there. I learned later that it was late; hopefully it’s not a sign of things to come. I take my son to school and meet a barrage of cars and proud parents dragging their kids behind them to get into the school. It is not the most organized processional but we make it into the school and to his class without being trampled.

 

His teacher is smiling and waiting for all her new students to come in and she lovingly excuses a wayward parent who confesses she could't find an item on the supply list. I feel good when I leave the classroom and head down the crowded halls once again to get back to my car and off to work.

 

I think about the kids all day and wonder how things are going; wondering if my daughter got to school or if she got lost. I wondered if my son was listening and following directions and I tracked his day with the schedule I printed off from his teacher’s website. Finally my daughter called to tell me that she got home. I am relieved and she is hungry so she hangs up in a hurry to get something to eat and decompress with a TV show.

 

After work I pick up my son and he is happy to see me and tell me about his day. He’s hungry too so I get home and start dinner. By then all my energy is gone. I’m sure it’s mostly because these last two weeks have been spent preparing for back-to-school. Finally the kids are settled and I am dog tired. I can hardly keep my eyes open so I lay on my bed to “rest” a while. That rest turned into full-on sleep.

 

My son wanted me to help him with a worksheet but I could barely keep my eyes open much less talk. We managed to get it done and get them ready for bed. Not long after they went to bed I went to bed too, thinking how exhausting back to school is.

 

Empowerment is Yours!

Rockin' Single Mom Sam

Back to School is Exhausting, Part 2

In the first part of my back-to-school tale I told you about taking my kids to the health department for health screenings and shots. My son is a riot and didn't expect that it would not hurt like he thought it would. My daughter on the other hand felt differently because she cried like a baby. Here is the rest of the tale:

 

Since they are going to two different schools on opposite sides of town I tried to plan my route the best way I could. I didn’t work. I still ended up driving all over the place. Fortunately the registration process was quick and painless. The dreaded affidavit that required a notarized signature was done right in the office, yeah! The ladies who helped me at both schools were very helpful and kind. I don’t think I could have dealt with a rude person very well after the morning at the health department.

 

Then next stop on the back to school tour was back to school shopping. This event was timed perfectly with the Grand Opening of a new Target store so the prices were great. I was able to get all the school supplies at a reasonable price, plus extras for later in the semester. Clothes shopping would have to wait until I got paid again but the kids were content because they had new backpacks and school stuff. I’ve learned a valuable lesson about buying school clothes; don’t spend an insane amount of money for them, especially for my son. So I head on over to the local thrift store and search for jeans. Most of the time, the jeans are in very good condition and barely worn. I got two pairs for my son and three pairs for my daughter. The next stop was Walmart for shirts at $3.50-$5.00 each, so I spent less than $60 for clothes. They’ll look great for the first few weeks of school and I’ll go back to the thrift store for more jeans as they outgrow and wear out the ones they already have.

 

Both schools have an open house that we attend to meet the teachers and tour the school. It is scheduled between 4-6pm so I have to go after work. I was not prepared for the massive amounts of people there as most parents are like me and arriving after work. It is confusing and loud at the entrance and instructions have to practically be shouted in my ear. We are rushed through each station after we find the classrooms and teachers. There is more paperwork and instructions to work through but we make it. The final stop is the cafeteria to make sure the kiddies have accounts for their meals. I shell out money for both of them and spend in excess of $80 on lunch accounts, P.E. uniforms and lockers before school even starts, sheesh!

 

 

Empowerment is Yours!

Rockin' Single Mom Sam

Back to School is Exhausting, Part 1

[caption id="attachment_87" align="alignleft" width="189" caption="Back to School"][/caption]

Here in Georgia the kids are going back to school. My own kids started a brand new school because we just relocated so I had to go through the rigors of registration which wasn’t as bad as I thought it would be. Coming from another state requires immunization updates, affidavits of residency (notarized no less), and health screenings. I personally hate paperwork and anything that has to do with taking my kids to a doctor or dentist. I know what’s going to happen and let me tell you, it ain’t pretty. My kids, yes both of them, get all worked up over the thought of seeing a doctor. Ironically my daughter loves the dentist and has been begging me to find a new one. That’s on my to-do list, but I feel myself heading off on a tangent so let me get back on topic.

 

 

 

 

So I call the health department to find out what I need to do to get the kiddies in for their health screenings and to transfer the shot records. They operate on a first come, first serve basis most of the time and the screening is $12 and shots (if they need them and I’m praying they don’t, but I should know right?) are some minimum cost. I am pleased because this visit won’t break my budget. I do, however, procrastinate with requesting a day off to take care of everything. I want to get the health stuff and school registration done all in one day.

 

As usual my procrastination bite me in the rear. I get to the health department and it’s filled to capacity and there is a 3-hour wait! You’ve got to be kidding me! But I elect to wait because I’ve dedicated the entire day just in case something like this happens. The kids are restless and there are crying babies, a lot of Spanish being spoken, and no food is allowed. Fortunately I stopped and got the kids and myself breakfast before we came, otherwise we would have been in deep poo, because we couldn’t leave once we signed in. The kids entertained themselves by writing, arguing, and going back and forth to the car while I stayed inside.

 

Finally we got called to be processed in. the kind nurse determined that the kids did need a couple shots and the drama started. They begged and bargained with me to not get shots but they had to have them to be updated. When we finally got into the back we were met by a kind, albeit very large lady. I was shocked at how large she was and wondered how she could be in the healthcare field. Barring that she was very nice and comforting for the kiddies. She would be the one to do the examination and give the shots.

 

The health screen was done very quickly and they passed with flying colors. Next on the agenda were the shots. My son, the younger of the two had calmed himself between finding out he would have shots and now. He was also boisterously proclaiming that he was not scared and was going to take his shot like a man. HA! When he saw the needle it was an entirely different story. He went back to the bargaining, begging, and now shouting and screaming. He didn’t want a shot and tried to convince us that his sister should go first. I had no problem with him crying and I actually encouraged it so they could acknowledge the pain, but fighting me and the large lady was out of the question.

 

He was I my lap so I had to hold him and threatened to restrain him. Finally he got stuck in the arm. He let out a yelp, fully expecting it to hurt a lot more, but he was surprised that it was over that quickly and almost painless. He got off my lap and started laughing. He’s such a silly kid. Then he started teasing his big sister and calling her a baby because she was still scared.  I thought his experience would make her feel better and calm her but she cried like a baby. Poor thing can’t take much pain at all, not even a needle prick. With the health screening and shots all done as well as the proper paperwork in hand we were on our way to get registered for school.

 

Stay tuned for the second part of my back-to-school tale.

 

Empowerment is Yours!

 

Rockin' Single Mom Sam

 

 

 

 

The Road to Riches Requires Determination

Getting what you want takes perseverance and determination and that goes doubly for single moms who desire a better life. I work a 9-5 job but I know that in order to make it as a freelancer I have to put in extra hours to reach my goal. I don't always like staying up late or getting up before the sun to get things done but I know that is what I have to do to be successful.

No one said that getting rich would be easy. It take can take long hours, lots of brain power, and a few setbacks to get it right. My motto is "slow and steady wins the race". It is not about getting rich quick, because those riches can be lost just as quickly. Think of all the lottery winners that are now bankrupt. I am not knocking how they got rich but it seems they weren't prepared for the windfall. Slow and steady riches allow for systematic savings, investing, and sustained wealth. Without a plan the money could be gone in a blink of an eye. I think about all the tax refund checks I got that have vanished into thin air. Had I put it in an interest bearing account or invested it I would probably see a lot more of it. Now, with the education I am receiving about money, I know to put it away and delay gratification for things. If the things I want are that important I will plan for them and make educated purchases.

The road to wealth and abundance is not the easiest road to take, but with a plan and determination your will reach your goals
--
Rich Single Momma

The Road to Riches Requires Determination

Getting what you want takes perseverance and determination and that goes doubly for single moms who desire a better life. I work a 9-5 job but I know that in order to make it as a freelancer I have to put in extra hours to reach my goal. I don't always like staying up late or getting up before the sun to get things done but I know that is what I have to do to be successful.

No one said that getting rich would be easy. It take can take long hours, lots of brain power, and a few setbacks to get it right. My motto is "slow and steady wins the race". It is not about getting rich quick, because those riches can be lost just as quickly. Think of all the lottery winners that are now bankrupt. I am not knocking how they got rich but it seems they weren't prepared for the windfall. Slow and steady riches allow for systematic savings, investing, and sustained wealth. Without a plan the money could be gone in a blink of an eye. I think about all the tax refund checks I got that have vanished into thin air. Had I put it in an interest bearing account or invested it I would probably see a lot more of it. Now, with the education I am receiving about money, I know to put it away and delay gratification for things. If the things I want are that important I will plan for them and make educated purchases.

The road to wealth and abundance is not the easiest road to take, but with a plan and determination your will reach your goals
--
Rich Single Momma

Empowered to Battle (or not), Part 4

I've been discussing the right to choose the battles you engage in with the kids, the ex, and the family/friends. Being empowered this way makes life much less stressful, so let's get on with this last installment.

The Job/Career

Working is one thing single moms usually can’t get around. We have to work to make ends meet and give our kids the semblance of a normal life. But there are times when all things related to the job make me what to throw in the towel and go on welfare. It’s much safer at home where I can surf the internet all day, cook a great meal for the kids, and take naps. But instead I get up early to go to work where I am not always appreciated and praised.

 

There are even times when the boss is a jerk and refuses to admit his mistakes or give me credit for a product or process. I’ve learned that the battle is mostly in my mind, because in the world of work, every person is ultimately number one and I don’t matter much more than the completion of the next project. So with the battle being my head I can make some choices. I can make the choice to not take things personally.

 

I can realize that at the end of the day I get to go home and be with people who love me. I also understand and jump for joy that my boss is not going to come with me. I get to leave him right where he is and forget about him and the job until the next day. The battle is won in my mind and I am at peace. Of course I still do a good job, because I realize it’s more about personal satisfaction than anything.

 

The battles in your life and mine seem to come nonstop, but we are fortunate enough to have choices, smart enough to make good decisions, and savvy enough to make those decisions matter. Because in the grand scheme of things the little battles are just a minor annoyance compared to the joy of motherhood.

 

Tell me what you think. What is your experience? Empowerment is yours!

 

Rockin' Single Mom Sam

The Science of Getting Rich?

How can there be a science to getting rich? Sometimes we tend to think that the rich got that way by happenstance. Sure, some are born into rich families, but for the most part there is some method to how riches are attained. Some get rich through a windfall, some through hard work, and some through stepping on people to get what they have. There is a better way to get rich and it is a bit of a scientific method according to author, Wallace Wattles. His book, The Science of Getting Rich, is making it's way around the internet and is the basis of the recent The Secret phenomenon.

I read the Science of Getting Rich before The Secret came out, but at that time I wasn't ready for it. I was too deeply involved in sorting our personal issues. But a few months ago I got reacquainted with this great book. I downloaded the audio book and listen to it about once a month. It is simple to understand and gave me several "aha" moments. Getting rich is more about an attitude rather than a science. But when you follow the steps outlined in the book you'll begin seeing a change in your attitude about money as well as a positive cash flow. It's slow at first, but it increase as you continue to practice the methods in this book.

The incredible thing about this book is that it is freely available from several sources. Some people are selling it for a small fee but the original book is available as a .pdf download. Rebecca Fine over at http://www.scienceofgettingrich.net had the book available there as well as other resources to make your journey toward getting rich a fun one. She offers support through forum discussion and also has a course that you can set your own fee for. I encourage you to go over and see what it's about and begin to change your life.

I do recommend that you get the audio book and listen to it often. There is always something new that I pick up when I hear it again. It is no problem to do other things while listening. When I am cooking, cleaning, or sitting under the hair dryer I listen. I even listen when I am going to sleep. The principles are being conveyed on a subconscious level so during my wakeful hours I am implementing the principles.

So is there a science of getting rich? I'd say so, but unlike science in school, this kind is more fun and more profitable. ;-)

Rich Single Momma

The Science of Getting Rich?

How can there be a science to getting rich? Sometimes we tend to think that the rich got that way by happenstance. Sure, some are born into rich families, but for the most part there is some method to how riches are attained. Some get rich through a windfall, some through hard work, and some through stepping on people to get what they have. There is a better way to get rich and it is a bit of a scientific method according to author, Wallace Wattles. His book, The Science of Getting Rich, is making it's way around the internet and is the basis of the recent The Secret phenomenon.

I read the Science of Getting Rich before The Secret came out, but at that time I wasn't ready for it. I was too deeply involved in sorting our personal issues. But a few months ago I got reacquainted with this great book. I downloaded the audio book and listen to it about once a month. It is simple to understand and gave me several "aha" moments. Getting rich is more about an attitude rather than a science. But when you follow the steps outlined in the book you'll begin seeing a change in your attitude about money as well as a positive cash flow. It's slow at first, but it increase as you continue to practice the methods in this book.

The incredible thing about this book is that it is freely available from several sources. Some people are selling it for a small fee but the original book is available as a .pdf download. Rebecca Fine over at http://www.scienceofgettingrich.net had the book available there as well as other resources to make your journey toward getting rich a fun one. She offers support through forum discussion and also has a course that you can set your own fee for. I encourage you to go over and see what it's about and begin to change your life.

I do recommend that you get the audio book and listen to it often. There is always something new that I pick up when I hear it again. It is no problem to do other things while listening. When I am cooking, cleaning, or sitting under the hair dryer I listen. I even listen when I am going to sleep. The principles are being conveyed on a subconscious level so during my wakeful hours I am implementing the principles.

So is there a science of getting rich? I'd say so, but unlike science in school, this kind is more fun and more profitable. ;-)

Rich Single Momma

Got the Blues? Get Moving!

Feeling blue? At the end of your rope? Just can't it anymore? On the verge of screaming? Well get moving!

Too many times we let our emotions reach a boiling point then we explode. Instead of allowing yourself to get all worked up, go and work out. Who has time for that you ask? Well you do as a matter of fact. All it takes to get the feel good hormones going is five minutes of rapid movement. No, not your mouth chewing on a chip, but your body.

You don't need equipment or a gym membership just your body and a tiny bit of motivation. This moving method is called intervals and it only takes five minutes. The goal is to get your heart pumping for 1-2 minutes then rest. Do it again, then rest. This is intervals in the simplest terms. There is a lot of information on the internet about this type of program so I won't go into details. The best thing type of exercise is that it burns calories quickly, even after you are done.

What kind of exercise can you do to get moving? How about good old fashioned jumping jacks? See how many you can do in a minute. Jump roping is another good one. Jogging in place or around your house. So your kids will think you have gone crazy, but who cares! Your main goal is blowing off steam in a constructive way. After you are done you'll barely remember what you were upset about. Do this everyday and pretty soon nothing will be able to get you down plus you will have the added benefit of shedding a few pounds.

Now I know that what I've said hasn't been backed up by data and a lot of statistics, so you can search for that kind of information yourself on the internet. My only goal is to motivate you to move so you can feel better. The clearer your mind the better you will feel about creating wealth for yourself. Now get movin'!

Rich Single Momma

Got the Blues? Get Moving!

Feeling blue? At the end of your rope? Just can't it anymore? On the verge of screaming? Well get moving!

Too many times we let our emotions reach a boiling point then we explode. Instead of allowing yourself to get all worked up, go and work out. Who has time for that you ask? Well you do as a matter of fact. All it takes to get the feel good hormones going is five minutes of rapid movement. No, not your mouth chewing on a chip, but your body.

You don't need equipment or a gym membership just your body and a tiny bit of motivation. This moving method is called intervals and it only takes five minutes. The goal is to get your heart pumping for 1-2 minutes then rest. Do it again, then rest. This is intervals in the simplest terms. There is a lot of information on the internet about this type of program so I won't go into details. The best thing type of exercise is that it burns calories quickly, even after you are done.

What kind of exercise can you do to get moving? How about good old fashioned jumping jacks? See how many you can do in a minute. Jump roping is another good one. Jogging in place or around your house. So your kids will think you have gone crazy, but who cares! Your main goal is blowing off steam in a constructive way. After you are done you'll barely remember what you were upset about. Do this everyday and pretty soon nothing will be able to get you down plus you will have the added benefit of shedding a few pounds.

Now I know that what I've said hasn't been backed up by data and a lot of statistics, so you can search for that kind of information yourself on the internet. My only goal is to motivate you to move so you can feel better. The clearer your mind the better you will feel about creating wealth for yourself. Now get movin'!

Rich Single Momma

Empowering Yourself and Pick Your Battles, Part 3

In this series I've been talking about picking your battles and empowering your life. Battles with the kids and the ex may feel like a constant drain on your emotions, but you can make the choice to choose what battles you will fight. This time we I'll talk about picking battles with family and friends.

 

The Family/Friends

Some single moms have close ties with the family. As a result some family members are overprotective, overbearing, or over involved in your life. I was in this situation and at times it was more stressful than dealing with my ex. When the relationship is over, for some, family is who you turn to for help getting back on your feet. Mom and/or dad can help with childcare, finances, or a shoulder to cry on. The same can happen with close friends.

 

The problem occurs when this support system begins or attempts to run your life. They have all the answers about how to raise your children and they seem to be the only ones who know what’s best for you. Soon you find yourself wanting to run away from home or risk a relationship breakdown because of heated words.

 

In my case, my daughter began undermining my authority by asking my parents for things I told her she couldn’t have. Setting boundaries is the only way to reduce the number of battles you have, if you have any. My boundary was moving four hours away. I felt my life spiraling out of control and felt a clean break was the best thing for me and my family. You may find other solutions that work for you.

 

Next time I'll discuss Job/Career battles. Empowerment is yours!

 

Rockin' Single Mom Sam

Empowered to do Battle the Smart Way, Part 2

Last time I talked about picking battles with my kids about clothes, bed and bath time, food, and friends. This time I'll talk about doing or not doing battle with the ex.

The Ex

Battles with the Ex have raged on since the beginning of time (well almost). My ex is no different with the exception of nasty arguments and name calling.

 

When I realized that we would not be raising our children together I made a decision to treat the relationship as business arrangement. Yes, I know, it’s easier said than done if he’s less than nice and purposely gives you a hard time. Once I realized that using the kids to make his life miserable or demanding what he “owed” me, I simply made a mental list of what I would need from him in order to raise my children. Surprisingly, when it was all said and done the list was very small. All I needed (and it turns out that it really wasn’t a need) was for him to pay child support.

 

I am fortunate that he willingly complied to pay child support without a court order so I’ve received it since the birth of my daughter. I had no problem with him visiting the kids or arranging a holiday visit.

 

I learned that by removing my emotions I am able to reduce the battles and get on with living, without him that is. If your ex is hard to get along with and is determined to make your life miserable you may consider finding an advocate to deal with him for you. It could be a friend, a parent, or a sibling. It doesn’t have to be a long term arrangement, just long enough until he understands that you are only concerned with the business of caring for your child.

 

Getting entangled in arguments and bitter fights with your ex just gives him power and control over you. Yes it's true; allowing people to push your buttons puts them in control of your life and behavior. I don't mean to lecture, but I've learned the hard way and just have to share with you. You have to get to the point where you are not angry at him or hurt that he’s no longer in your life. Until you do you will remain embattled with him and have a miserable life.

 

Next time I'll discuss family/friend battles. Here's to your empowerment!

 

Rockin' Single Mom Sam

Empower Yourself to Pick Good Battles

When I think about all the stuff that I’ve had to deal with as a single mom I’m reminded that it’s better to pick my battles rather than get wiped out in a pointless war. There is too much going on in my life to allow nit-picky things ruin my day, my relationships, and my health. I empower myself by picking my battles carefully in all areas of my life. A few battles that readily come to mind involve the kids, the Ex, the family/friends, and the job . Here are a few ways I’ve managed that might be helpful to you.

 

The Kids

Everyday there is something to fight about with the kids. Mine are in elementary and middle school so they pretty much have a mind of their own. There is the potential to battle over clothes, food, bath and bed time, as well as choice of friends.

 

The clothing battle, especially for my 12 year old daughter is a potential battle zone. She’s at the age where clothes equal popularity and the latest trends put a strain on my cash flow. Looking like Hanna Montana or the latest kid pop star is cool for her but the wacky/tacky fashions, not to mention the body hugging, parts revealing attire is enough to make me want to scream.

 

But I’ve learned to set a few guidelines and let her decide what she will wear. I do an quick, informal inspection before we leave the house and make firm suggestions when she wears a questionable top that will give all the little boys whiplash. She complies because she already knows the rules up front so that battle is diffused before it even gets started.

 

My 8 year old son is easier to handle. Just give him some jeans and a shirt and he’s good to go. There are times though when I have to remind him to put on matching socks or switch his shoes around because he still has trouble with two left feet at times.

 

Next time I'll talk about battles with the ex.

 

Rockin' Single Mom Sam