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Sunday, January 31, 2010

You Must Clean Out!!!

It snowed this weekend in S.C and gratefully I had some time on my hand.  Instead of complaining about being stuck in the house or that I didn't have anything to do.  I took the opportunity to clean up and cook a lovely dinner for my hubby and me.  As far as the clean up I started in the refrigerator.  Food was compiled in the fridge old and new.  We all know how frustrating it is when you find that you don't have something when you thought you did.  Your refrigerator is full of nothing.  Things cluttering up the fridge making it seem as though you are well stock and prepared, but when you are are ready to cook the right ingredients can't be found. 

You may find this to be the case within your life.  You may often time have too much stuff going and not taking time for self.  Your life may be cluttered with people who are taking up space but not adding anything to the recipe of your life?  Maybe you have goals that aren't attainable because you have set inappropriate timelines?  Is fear consuming your space?  We are constantly putting more and more into our relationships but getting nothing in return.  Your homes are unorganized because of having to much of nothing.  Your dreams are forgotten because of fear.  I know there is someone who can relate to this frustrating cycle of having too much going on but not producing anyting.

Just like a product with an old expiration date.  It is time to throw it away.  You must throw out the negative attitude, eliminate those persons that are draining your spirit, your mind, your pockets, and most importantly your time.  You must keep items that add value and allow you to manifest your dreams.  As I reached into the fridge and started removing the old products I began to be able to see the space and full capacity of the use of my refrigerator.  I began to see where things are suppose to go.  I arranged my refrigerator with the most important items.

I started with the top shelf I put items that would fulfill my thirst. As this relates to our personal selves this may be your spiritual outlet.  For me it is God and his Word.

 “O taste and see that the Lord is good.” (Psalm 34:8)


“Blessed are those who hunger and thirst for righteousness for they will be filled.” (Matthew 5:6)

“Jesus stood and said in a loud voice, ‘If anyone is thirsty, let him come to me and drink. Whoever believes in me, as the Scripture said, streams of living water will flow from him.’” (John 7:37)

“I am the Alpha and the Omega, the Beginning and the End. To him who is thirsty I will give to drink without cost form the spring of the water of life.” (Revelation 21:6)

“The Spirit and the bride say, ‘Come!’ And let him who hears say ‘Come!’ Whoever is thirsty, let him come; and whoever wishes, let him take the free gift of the water of life.” (Revelation 22:17)

The second shelf consisted of items that would give me nourishment. 

Deep in my spirit I believe I am called to share the ‘Good News’ of who Jesus is and about the love of God with others. As my heart is set on this and I am in this mode, I am nourished in a way that I cannot be by eating even the healthiest of foods. As Psalm 81:10 reads, “Open your mouth wide, and I will fill it with good things.” God is telling the Psalmist, and me(and us), that if I open my spirit to Him that He will fill me with good things deep in my inner most being. Well, I think that God placed in me a deep desire to share with others about His love. To tell others about His goodness. To provide hope to others. And when I do this, deep in my spirit, I am nourished.

The third shelf were items that I would need to lift my spirits.  Hanging out with friends, giving back within your community, doing things you just love to do.

“Oh, the joys of those who …. delight in the law of the Lord, meditating on it day and night. They are like trees planted along the riverbank, bearing fruit each season. Their leaves never wither, and they prosper in all they do.” Psalm 1:1-2
“O LORD Almighty, happy are those who trust in you.” Psalm 84:12


“Happy are those who hear the joyful call to worship, for they will walk in the light of your presence, Lord.” Psalm 89:15
“Joyful are people of integrity, who follow the instructions of the Lord. Joyful are those who obey his laws and search for him with all their hearts.” Psalm 119:1-2
“As pressure and stress bear down on me, I find joy in your commands.” Psalm 119:143
“Don’t worry about anything; instead, pray about everything. Tell God what you need, and thank him for all he has done. Then you will experience God’s peace, which exceeds anything we can understand.” Philippians 4:6-7
“Fix your thoughts on what is true, and honorable, and right, and pure, and lovely, and admirable. Think about things that are excellent and worthy of praise….. then the God of peace will be with you.” Philippians 4:8-9

Finally, the drawers were full of items that give me energy and  we can't forget about the door. The door on the refrigerator is for the purpose of condiments and miscellaneous items.  The items you find on the door are those things that dress up your food.  Make them taste better or look better.  It is always great to have these additions on your food but if you have too much it can become fattening.  At this point you want to be mindful of all the people you let into your life.  Do they create too much baggage?  Are they contributing to your success and well-being?  Is what you putting on your door neccessary for the recipe of your life?  If the answers to any of the questions aren't purposeful it is time to clean out your refrigerator and put the neccessary essentials on your shelf. 

Affirmations from Bible you can use: 
God stands at my side and gives me the strength I need for today. 2 Timothy 4:17


As I cleanse myself of the wood and clay in my life, I am better able to be used by God. 2 Timothy 2:20-21
Scriptures in the Bible teach me 2 do what is right and equip me for every good thing God wants me 2 do. 2 Timothy 3:16-17
God reveals his spiritual truths to me by his Spirit. 1 Corinthians 2:13


Christ has set me free to experience true freedom. Galatians 5:1

Best Regards,

Sista Saver







Tuesday, January 26, 2010

Debt List/Repayment Schedule

Debt List
***********
1. Creditor-To one whom the debt is owed

2.  Describe what was purchased - Item purchased with the money borrowed

3.  Monthly payment - The amount of the montly payment

4.  Balance due- The amount of the outstanding debt

5.  Scheduled pay-off date- The date by which the debt will be fully paid

6.  Interest rate- The rate of interest charged for the debt

7.  Payments past due- The number of payments, if any, past due on each debt

ADD and Total the Monthly Payment and Balance Due

_____________________________________________________________________________

Debt Repayment Schedule
*********************
This will help you be systematic in your effort to get out of debt. 

1. Date Due- The day each payment is due

2.  Payment amount- The amount of each payment

3.  Payment remaining - The number of payments remaining

4.  Balance- The loan balance due after each payment

Use excel sheet to make columns.  I may possibly be able to set that up for you.  If you don't have excel or computer use pen and paper. 

Crown Financial  Ministries...crown.org

Love this class...

Sista Saver




Don't Waste Your Money!!!


Yes that is what I said.  Take back your money.  Do you know what you are spending each month?  Do you know where you money is going?  More than likely you have $5 - $10 extra bucks flying out the window or going to the trash.  You know those late fees of $5 bucks, $.20 late fees, extra money on grocery when you don't use your coupons, eating out when you have groceries in the house.  Yeah it doesn't seem like a lot but it adds up.  Take for example if each month you don't pay your utility bill late they take a percentage of your bill and you collect a $5.00 fee.  I know because I could never get my bill paid on time.  Or just held on to the last minute.  If you get a $5.00 fee for 12 months that is $60.00 bucks.  Yes it adds up.  That money could be used to pay off a credit card or another bill.  It is ridiculous!!!

Why do we allow this to happen month after month.  Laziness, unaware or just can't truly afford the bills we have.  I would like to give you some quick tips to breaking free of just letting your money slip out your hand. 

Let's do it:

1.  Gather up all your bills (Must be willing to face them)
2.  Sit for a moment and just look at them (Imagine them being paid on time or paid off)
3.  Organize (Sort based on importance "What is needed to survive")
           I.      House Payment
           II.     Car Note
           III.    Electric or Gas Bill
           IV.    Phone Service (Do you need a cell phone & house phone?)
            V.    Credit Card (Get rid of highest interest rates)
4.  Devise a family budget (Follow blog for expanded details)
           I.       Giving
           II.      Grocery
           III.     Clothing
           IV.     Savings
            V.     Entertainment
5.  Track Your Progress

This is a few tips to get you started.  Throughout the month I will post more tips and expanded info soon.

Best Regards,

Sista Saver

Saturday, January 16, 2010

Free Groceries...

For many years there has been a secret society of couponers.  This society consist of stay-at-home moms, professional woman, and many folks who already have a couple pots of gold stashed away (savings accounts).  While the information is actually in front of many of our faces and available to anyone who seeks it.  Not until recently though has so many people began to catch on to what this secret society of couponers were doing.  Buying newspapers in a high quantity on Sunday and clipping away to build an album of savings.  It was amazing the day I stood behind one of these persons.  She had a cart full of name brand high quality groceries.  I just knew her bill was going to be at least $100 bucks.  But to my surprise her total was $40 bucks.  I thought to myself what is going on.  A couple weeks later I was shopping again and saw women walking around with a binder filled with coupons.  Folks were getting there groceries for free.  Here I was trying to buy the store brand to save money and spending much much more.

 I have been in the practice of saving money for several years. This year though I have decided to track my spending.  I am keeping up with my receipts and using coupons in every case. Whether I am going to buy a new outfit, a pair of shoes, ink for the computer, groceries I am constantly seeking a way to save.  It requires much patience and committment to become a couponer.  As I am still learning the rules and secrets of mastering this art of saving.  I am going to share as much info with you as I can. 
Free Peanut Butter, 6 Free Bottles of Juice, Free Tropicana, Free Razors, Free Can of Tuna....Before Savings Price $111 After Savings Price $49.01

Stay tune to find out how you can save....

Friday, January 15, 2010

Because Your Worth it!!!

Inspite of all the different roles you may play in your life.  There comes a time when you have to walk out on faith and take time for yourself.  It doesn't matter what others think.  At this point and time you must do YOU! I can't count the numerous times I've spoken to  women just like you and I who resent the fact that they lived there entire life being about the business of others.  Now is the time that you in get in the business of Self.  That doesn't mean that you don't do your Godly duty of doing for others.  It means taking account for you. It may have been a while since you took time for yourself so I am going to give you some suggestions on getting started...

1.  Make up your mind that you are going to do something for yourself.  (Long bath, spa, hair appointment, 30 min. You session)

2.  Start Planning...(Every business starts off with a plan). Buy yourself a YOU calendar.  This means put yourself on the calendar at least once a week.  Gradually making it a daily ritual.

3.  Set Goals...(What have you always wanted to do, go, see....) Make the goals long-term and short-term.  Make the goals reachable and not stressful.

4.  Delegate duties to others.  A good leader of self knows the importance of having a great support team.  That may not be the case for everyone.  But whenever someone offers to help act upon it.  Hold people accountable for their words.

5. Determine your strengths and weaknesses.  It is always good to know your strong points and know what your limitations are.  You have to always have something to be working on to become better.

6.  Simply just do it.  In order to achieve self gratification and a sense of accomplishment.  You must Begin. 

These are just a few suggestions to begin with.  Don't become overwhelm and discourage if doesn't happen over night.  This is a process.  Remember it took many years to forget to indulge self.

It's Offically 2010

I must tell you that I have been unemployed for the past year.  I could say that 2009 was a bummer but it actually was an eye opener.  What do I mean!  I learned so much about me.  I learned how to make my money work for me and how to become a mother all in one year.  Yes I knew how to save some bucks.  To be honest I have saved more money being unemployed than employed.  But what really made me value every dollar is the possiblity of not having at all.  This make me much more aware of where my money is being spent.  I have picked up habits such as clipping coupons, shopping sale racks, and negotiating. 

I have been researching and reading several blogs on how to shop on a budget.  Learning how to prepare menus for the week and eating out less has put more income in my savings account.  My goal is to not have to work for another corporation unless it is my own.  Oh yeah I am not saying this is easy.  It takes my discipline and a lot of patitience.  As of today I have already saved $1500.00.  You want to know how!!!

Great..follow my blog and find out more daily, maybe twice a day, whenever I save I will let you know.  More to come soon.