10 Things Every Unlimited Absolutely Knows

There are many roles and attributes that describe the unlimited woman. She wears many hats and sometimes finds herself being as much as she can be to everyone. Yes, she is strong, sometimes weak, she is hopeful, sometimes a little unsure, and yes she is fearless but at times she lacks a little courage. Regardless, of the  emotions she experiences in life, the unlimited woman is sure of the greatness that she possesses.
She's unlimited not because of her titles, but because of the greatness that she is and is destined for. The unlimited woman is unlimited because she has developed and maintains a mindset and a spirit about herself that carries her gracefully through her journey.
There are specific truths that the Unlimited woman is absolutely sure of as she maneuvers through her journey in life and business.
Her purpose, gifts, and mission in life are non-negotiables because she knows how impactful they are to her family and community.
Here are 10 Truths the Unlimited woman believes:
1) She is purposed to lead, nurture, build, and heal others as she is empowered and healed.
2) Despite loss, brokenness, or tragedy, the unlimited woman knows she can overcome and is not designed to be a loss. She recognizes that oftentimes pain from these experiences can produce purpose and give way to healing that is greater than the hurt.
3) The unlimited woman recognizes that her greatness is within her, so is her gift, and that she is greatness.
4) She knows that her mission is not only for her but for others to assist her in moving her mission forward.

5) The unlimited woman knows that she must be aligned with like-minded, forward thinking, mission driven, community-conscious individuals.
6) She knows that she must balance her hard work and commitment with rest, retreat, & restoration.
7) The unlimited woman knows that her actions, requires goals, which require a plan, which requires accountability, intention, and partners who support her in reaching those goals.
8) She knows that her personal and professional development are ever evolving and that growth is always essential.
9) The unlimited woman doesn't stop at "NO" and doesn't use "I Can't", but she uses challenges as an opportunity to evaluate her strategy, for improvement, and to forge ahead. Purpose is a driving force in her life.
10) The unlimited woman does NOT believe that other women are her enemies, in fact, she embraces the uniqueness and strengths of other women.
The unlimited woman ultimately embraces all of who she is and the gifts she is blessed with to use in the world. This woman whether she realizes it yet or not is the woman deep down inside of all of us.  She not limited by any thing that seeks to disturb her from her highest level of greatness. The unlimited woman has replaced the the "I Can't" mindset with a "I Can & I Will" mindset. Everything that the unlimited woman sets out to do will teach her something of value. Are you ready to take the limits off of your life?!

If you are looking to align with other unlimited women and continue to evolve personally, professionally, & take your actions to another level --- Join Heal a Woman to Heal a Nation.
About the Author: Cassandra N. Vincent is the creator of The Cassie Brown Project and loves to inspire women to live their most liberated lives. Connect with Cassie at Unlimited You Weekend April 10- 12, 2015 www.unlimitedactions.com for more.

10 Ways to Make Yourself Save More Money

Saving money can be difficult as you’re usually putting money away for an intangible item, out of sight out of mind problem, for a future occurrence that may never happen. Maybe you make a general statement such as I’m going to start saving because it’s important. This is not motivating enough to consistently save money. You may save for a week or two, but then you’re going to fall off.  Ask yourself: Why is it important? What exactly are you saving the money to buy? Here are a few more ways to make you save more money.

1) Write down your goals (previous post about resolutions and goal setting). In order to achieve something you first have to state what it is. The goal should also be specific and measurably. You should know exactly when you have successfully reached the goal, give it a dollar amount and deadline.

2) Create a visual reminder of your goals. Out of sight, out of mind is a big factor. You’re more likely to spend and not save if you can’t remember why you should be saving, especially when the impulse to buy a want occurs. Create something visual to hang on your wall, place as a screen saver, etc.

3) Break your savings goals into daily or weekly amounts to make it more manageable in your mind and so you know exactly what to aim for every day or week. For example if you want to save $6,000 for the year, then you know you need to save $500 each month, $125 each week, or $17.85 each day. If you’re saving up $1,000 for a trip coming up in 5 months, then you know you need to save $200 each month, $50 each week, or $7.14 each day.

4) Wait and come back. When you want to buy an item, wait for at least a week, come up with reasons as to why you need it, not want but need it. If you can’t think of any reasons then leave it. If the item will no longer be available in a week, then wait at least 24 hours. You’ll be amazed how this simple trick will get you to decrease unnecessary spending.

5) Shop your closets. I don’t know about you, but sometimes when I clean a closet or cupboard I find things that I’d completely forgotten existed. There may be things in your home suffering the same fate. What’s in the back of your closet? Check the clothes closet, hall closet, pantry etc. What forgotten items may be in there? How can you re-purpose them for the new season or a new use?

6) Get a bottle for loose change. When you buy something, put the loose change in a bottle (aka piggy bank for adults), or just get a piggy bank and have fun with it. Once your bottle is filled, wrap the coins in the appropriate wrappers and take them to the bank. It’s better to take them to a bank where you have an account as you can deposit the money in savings right then and there.

7) Only charge items you can pay off in full before the end of the month. Don’t carry a balance on your credit card and you’ll save all the money you would have paid in savings. You’ll also maintain a good credit card history and credit score while not increasing your debt.

8) Make a realistic not extremely frugal budget. One of the top reasons a person doesn’t stick to a budget is the budget isn’t realistic. The budget is so limiting, there are no rewards or real entertainment factored into it. No one and I mean no one can stick to a budget like that one and if you can’t stick to the budget then you’ll overspend. Make sure the budget is frugal so you’re getting the most out of your money and moving towards your financial goals, but don’t make it so restrictive that you can’t enjoy yourself a bit. You won’t overspend and you’ll save money.

9) Calculate how long you have to work to afford the item. Every item you buy you can figure out how much time you have to work to be able to afford it. For example, if you’re buying a jacket that is $200 and you make $20 per hour, you worked for 10 hours in order to get the money to purchase the jacket. Is it really worth 10 hours of work? Do you feel comfortable trading 10 hours of your time for the jacket? Do this before making a purchase and you might just decide the item isn’t worth it.

10) Delete your saved card information on the shopping sites. Major shopping sites will allow you to create an account and save your payment information. This is offered as a gesture in convenience for the shopper. If you have an account you don’t have to take out your card and spend time entering the information. Or looking at it from their view, you won’t spend time thinking about the purchase and potentially deciding that you really don’t need the item. Convenience can and does lead to more spending. Delete the information, take the time and save more money.

What are your biggest obstacles to saving money and how do you overcome them?

Want to learn more about creating your own wealth check out Financial Blueprint for Quitting Corporate.

About the Author: Maria James has a compassion for people that makes her involvement in Heal a Woman to Heal a Nation a sure fit. She is a biomedical scientist who is public health conscience and has always worked for the betterment of others. Maria is the founder of Pocket of Money, LLC which provides tools and tips to help you take control of your money and live your best life. Dr. James is our resident Money Scientist.

23 Ways to Make Money: Side Hustles

Sometimes you need to supplement your income; you need ways to make money on the side apart from your regular job. Other times you may have gotten furloughed (as so many people have recently with the government shutdown) or laid-off and need to make money to stay afloat until you get back to work. Enter the side hustle. Strap on your entrepreneurial hat and gloves and get to work on different ways to make money. I’ve listed twenty-three below to help you get started.

1) Online merchant. Sell items online at places like Amazon, Ebay, etc. You can sell things you don’t use that are already around your house. Those boots you’ve only worn once that hurt your feet, sell them. The tennis rackets that were only used a few times before being put in a corner to collect dust, sell them. If you have collector’s items of toys, games etc. consider selling a piece or two. If you bought a toy for $5 and it can now sell for $200 online, that’s a nice return on investment and supplemental income.

2) Self-published author. Have you already written a collection of short stories or a collection of poems? Put them together and read it through to make sure there is flow or ask a person you trust to proofread it. Once you’re satisfied, self publish it. Put your new work in the proper format for the site on which you plan to sell it, and give it a reasonable price. This will bring in some passive income, a nice way to make money that won’t require constant work.

3) Freelance writer or editor. If you already have a great knowledge base in your industry you can write about it for others. There are writers and editors for every subject or industry. You can put the word out that you’re available, charge a low introductory price to get feedback and testimonials from the first few jobs to build more credibility. You can also sign-up on sites like elance.com and fiverr.com to promote your services and get clients.

4) Barber or stylist. Styling hair is a great way to make money. If you already have clippers and regularly cut the hair of siblings, friends, or your children then you may be able to expand and make a little money. Let your current “nonpaying customers” know you are looking to expand and what your price point is. You’ll already have positive word of mouth recommendations.

5) Babysitter. I often see ads or hear people asking about babysitters. If you have the patience and the knowledge to watch children then this may be a nice side hustle for you. Determine if you need any certifications to give yourself an extra boost or credibility. Research the going rate so you can be competitive.

6) Dog walker. People love their pets and some would spend all day with their four-legged friend if they could, but they need to go to work. They would love it if you could pop in and take their friend for a walk.

7) Pet sitter or house sitter. Has a friend or relative ever asked you to watch their house or go over and feed their cat? Well this is also an avenue for a side hustle or a way to make money. You could become a freelance pet or house sitter. People will pay for peace of mind and to make sure furry or feathered friends stay in good health.

8) Personal assistant. Busy executives and professionals may need an assistant outside of work to assist with everyday errands such as picking up drying cleaning, grocery shopping, etc. If you don’t mind running around a bit this may be a great way to bring in side income. Some people use the term gopher, but I like the term personal assistant. I’ve seen some charge about $50 per hour for these services. Now just starting, I don’t suggest this pricing until you’ve gained positive referrals and recommendations.

9) Personal shopper. Some people just don’t have time to go shopping. You can do it for them; yes they will pay you for it. Say they need a great outfit for the important meeting or office party, they’ll let you know what they’re looking for and you have to hunt it down. So if shopping is something that you like to do then try this out.

10) Seamstress or quilter. If you’re good with a needle, you can make some money. If you sew, crochet or knit you can sell your creations on sites like Etsy.com where people buy homemade items such as hats, blankets, scarves, gloves, doilies etc. If you sew particularly well you could also tailor clothes for individuals.

11) Scheduler. Busy people who aren’t great with organization or just feel they don’t have the time will pay you to create their schedules. If you’re familiar with programs like Google calendar or Outlook, you can try this side hustle. I’ve seen many ads on craigslist for this.

12) Tutor. People are always looking for others who have mastered a subject to tutor themselves or their children. If there is a subject in which you have higher than average knowledge you can tutor in that subject. The most common subjects are math, science, English and test prep (SAT, GRE, MCAT). However, that doesn’t mean that there aren’t plenty of opportunities for other subjects like foreign languages.

13) House cleaner. If you don’t mind scrubbing and using a little elbow grease then you can try house cleaning. House cleaners or housekeepers are still quite common. Do the same mentioned above to gain credibility and get the word out.

14)  Lawn care specialist. Cutting grass and hedges around the house is often outsourced to others. So if you know what you’re doing and have the tools then this may be an option. You could also do things like rake, bag and haul leaves. Clean out gutters etc.

15) Photographer. Already have the equipment and have taken pictures at friends’ events for free? You could start making money here. Turn your hobby into a moneymaker. This is definitely for the person who is already doing photography as a hobby and has the necessary equipment and skill. I do not suggest offering to take pictures at someone’s special event without some experience.

20) Clinical trial subject. You can sign-up for clinical trials that are offering compensation for participation. The description will tell you what is expected of you and the time commitment that is required, usually the longer the commitment the higher the compensation.

21) Workout coach or personal trainer. If you’re really into fitness and health and offer advice to friends and family anyway, you can begin to get paid for this also. Many individuals who are ready to get started working out, want an accountability partner who knows what he/she is doing…and yes they’ll pay you for it.

22) IT troubleshooter. Technology is very important in our daily lives. When it works awesome, when it doesn’t …well you know. So if you’re technologically savvy and know how to fix most problems or problems tied to a specific device or machine then people will definitely pay you to help them.

23) Landlord. If you have an extra bedroom or a part of your house than can be used as a mini apartment, then rent it out. Renting out rooms can bring you in an extra couple hundred a month. Be careful and make sure to check backgrounds and other items to maintain your safety.

A few notes:

As you may have noticed there is a running theme throughout this article. If you have a hobby or a passion that you’re already involved in, you have the knowledge necessary to make money from it. Be creative and think outside the box. Start with an introductory rate and get great recommendations and testimonials.

For every site mentioned check the rules and fees to make sure that it is a lucrative option for you. For each side hustle, do your research so you’ll know exactly what it entails (advantages and disadvantages), how to get started, how you can be competitive and will know what you need for credibility. You can also look up companies that are already hiring freelancers and sign up with them.

Prepare to pay taxes on your side hustle. Fill out a 1099 estimated income tax form to state how much money you’ve earned from your side hustle. Unfortunately or fortunately (depends on how you look at it) the government wants to get paid too.

Do you have a side hustle? What is it and how did you get started? I would love to hear from you.

About the author: Maria James has a compassion for people that makes her involvement in Heal a Woman to Heal a Nation a sure fit. She is a biomedical scientist who is public health conscience and has always worked for the betterment of others. Maria is the founder of Pocket of Money, LLC which provides tools and tips to help you take control of your money and live your best life. Dr. James is our resident Money Scientist.

Is Your Money Prepared for the New Season?

Summer is coming to a close. Every year you prepare yourself for cooler temperatures, getting children ready for school, school buses on the road, and to rake leaves and warm the car in the mornings. As you prepare for the changes to your routine you also need to get your money prepared for new expenses and do a financial fitness check up.

1) Check your home. Check the insulation on windows and doors. No or insufficient insulation will allow heat to escape and your heating bill to climb unnecessarily. Can we say major money leak. Also check the insulation in the walls of your home, that is important to trap the heat too. If you're renting have your landlord do a check. I once had two months of a $300 gas and electric bill. The culprit? A living room window was cracked at the top and was letting my heat escape. If you see a crazy jump, something is wrong, start checking.

2) Do a financial check up. There are several things that would be good to check during this time. Do at least these three.

Net worth. You've been steadily working on growing your money for several months. Calculate your net worth to see how you're doing. Is the number a little bigger? If so you're moving in the right direction.

Spending plan. How well is your spending plan working? Determine if you need to shift your plan, such as increasing or decreasing target amounts for specific categories. Did you plug all money leaks? Perhaps you decided to keep a subscription when you made the plan, but looking back realize you really haven't been using it. Well then cancel it, cut it from the plan and shift the money towards something else. Put the money towards a category you're struggling with sticking to the allotted amount, savings, paying down debt or investments.

How much closer are you to your goals? The numbers will show if you're making progress towards your goal. Are you on track to complete your goal by the deadline that you set. If not what can you adjust to stay on track.

3) Shop smart. We know the best times to purchase clothes is at the end of a season when there are big discounts as stores prepare for the change in inventory for the new season. However, if it is unavoidable and you have to buy new fall gear for yourself or family members try this. Shop at thrift stores and discount chains. You'll be able to find cool new things at a much lower cost. Many times there will be items with the tags still on them. You just have to dig around a bit. Look for online deals and coupons. Don't use your credit card. I repeat don't use your credit card. 

About the author:

About the author: Maria James has a compassion for people that makes her involvement in Heal a Woman to Heal a Nation a sure fit. She is a biomedical scientist who is public health conscience and has always worked for the betterment of others. Maria is the founder of Pocket of Money, LLC which provides tools and tips to help you take control of your money and live your best life. Dr. James is our resident Money Scientist.

3 Habits of Millionaires You Should Adopt

We’ve all seen the lists that come out every year naming the wealthiest people in the world and the country. The billionaires and millionaires, individuals whose net worth are in the millions and billions not the people who simply make millions (yes there is a big difference). People who build wealth tend to be focused. They keep their eyes on the prize and most think big and outside the box. These traits combined with some other key habits are exhibited by millionaires and are the reasons they have and keep their millions.  Here are some concrete habits you should adopt.

Habit #1: Millionaires are frugal.

When people think of the word frugal most go straight to the concept of being miserly, instead of careful with money or not wasteful.  Usually a frugal person is considered to be a cheap person who tries to skimp on everything. However, let’s turn that on its head. Millionaires are some of the most frugal people. You may immediately think, yeah sure they are…that $500,000 car and multi-million dollar home is really frugal. But it’s true, millionaires are frugal. For example, I watched an interview where Warren Buffet, the second wealthiest person in America at a net worth of $58.5 billion, said he’s had the same wallet for twenty years! Twenty years! If anyone can afford a new wallet then Warren Buffet can right. However, it’s not just about the fact that he could afford it. He spends on what he truly enjoys and is frugal about everything else. That’s the true luxury in frugal living (the motto you see blasted on this site). Spend as extravagantly as you want on the things that you love and be frugal with the things that are not as important to you. Sure, millionaires have very expensive items and toys but they made sure to have the income or assets to pay for those toys before they purchased them. No credit used. No debt incurred.

Habit #2: Millionaires keep it slow and steady.

You don’t see millionaires trying “get rich quick schemes.” There are proven methods to build wealth and increase your net worth and they aren’t quick or overnight, with the exclusion of inheritance or winning the lottery. The term is “build wealth” for a reason, you must build it. You will need to use long-term money solutions such as a 401(k) and investments outside of retirement accounts to build wealth. Continuously contribute to retirement accounts to reach your nest egg goal; yes you should know how much you will need, the exact dollar amount. You have to know what the prize is to keep your eyes on it. Investing takes time to see steady gains. The average return on investment in today’s market hovers between 9-10%. I would need to write several articles to explain details about investing, but basically you need to leave the money in the market for years to see such returns. 

Habit #3: Millionaires buy assets not liabilities.

When you get your paycheck and you make a list of the things that you’re going to buy, what is on that list? Is every item a liability, something that you will spend money on that doesn’t make you any money? If yes, then you’re falling into the cycle that many of us do. We use all of our income to purchase liabilities and don’t spend any money on purchasing assets. Assets are things that bring in money without you putting additional money, time and energy. Millionaires work on continually acquiring assets or investments that can bring in money. Create a plan on how and when you’ll purchase more income generating assets.

Pair your determination, focus, and knowledge with these habits so you too can start building wealth and raising your net worth. You can do it. 

About the author: Maria James has a compassion for people that makes her involvement in Heal a Woman to Heal a Nation a sure fit. She is a biomedical scientist who is public health conscience and has always worked for the betterment of others. Maria is the founder of Pocket of Money, LLC which provides tools and tips to help you take control of your money and live your best life.

Successful vs Unsuccessful People

Your habits and mindset has a great influence on your success, success with finances and life. The above infographic has been circulating after MaryEllen Tribby posted it on WorkingMomsOnly.com. It goes through some great tips and habits that you should institute if you want to be successful and some that you should drop to avoid not reaching success (notice I didn't say failure). There are definitely some key elements that should be highlighted.

 

1) Continuously gather knowledge and learn things that will help you move forward. When trying to accomplish a goal, learn all that you can about the subject. Learn about the tools and resources available to you to assist with accomplishing your goal. Unsuccessful people don't actively gather information and don't act on the knowledge that they do have. There's a vast amount of information available to help you master your finances and reach financial success. Actively seek it out and apply the knowledge when you acquire it.

2) Giving to others is necessary. Don't horde what you know and don't try to step on others to reach your goals. Many people have a fear of letting others know what they know, of giving to much away. You want others to help and promote you without doing the same for others? It doesn't work that way. Share information and tools and others will be more likely to do the same with you. If you come across a great resource for saving money, cutting costs, etc share the wealth and let others know. 


3) Accept responsibility for your failure. The fact that this is listed on the successful people side of the graphic says a lot. You cannot reach success without some failures. Don't give up in the face of failure. Learn the lesson and use that failure as a stepping stone to do even better. Say you wanted to pay off your debt and made a plan to do so but along came an emergency and you had to incur more debt. Establish an emergency fund so you'll be better prepared next time and move forward.

About the Author: Dr. Maria James
Maria James has a compassion for people that makes her involvement in Heal a Woman to Heal a Nation a sure fit. She is a biomedical scientist who is public health conscience and has always worked for the betterment of others. While an undergraduate student at Johns Hopkins University she co-founded an organization called STOP, which taught basic self-defense to women and children. Her has a passion for diverse communities led her to live in Costa Rica for three weeks to learn more about the culture and community. Maria also continues to pursue her other interests which include, Spanish and finance. Maria also founded the business Pocket of Money, LLC which provides tools and tips to help you take control of your money and live your best life.

Why New Year's Resolutions are Dangerous to your Money

Many people look at new year's resolutions as a good thing. They make vows to get healthy, save more money, spend less money, give up vices or bad habits and more. Do these all sound great to you? Most people would say yes. However, all of the above are bad resolutions. Why do you ask? Because they are all too vague! What exactly is meant by get healthy? Are you resolved to eat healthier? How? What exactly is meant by save more money? How are you going to do it? How much is more? You have to create a specific plan if you want to achieve these goals. Making vague resolutions is setting yourself up for failure. Do these three steps to make concrete financial resolutions or goals.

1) Write a plan.
Write out what your resolution is. That's the what. Then get very specific as to how you are going to achieve it. What the steps necessary to achieve this goal. For example, say your resolution is to start saving for retirement. Look up what that entails. What is the first step? You need to know about different types of retirement accounts such as 401(k), 403(b) traditional IRA vs Roth IRA, SEP IRA for those who are self-employed. Learn the advantages and disadvantages, money going into the account pre-tax vs contributing after paying taxes on your income. I would go into the differences but that's is an entire blog article itself. Then write out how to start the steps to start these accounts. How much you're allowed to put in etc. You see where I'm going get very specific, write out a detailed plan.

2) Set a date.
For each step in your plan, write a deadline. When are you going to accomplish each task? Writing it out without saying when it should be done is a good way to ensure that it never gets done. Giving each step a deadline will also allow you to avoid getting overwhelmed by the steps and tasks. You'll be able to complete them in an orderly fashion with less stress. Staying with the example from above, if your first step is to learn the differences between retirement accounts, by what date are going to have that accomplished? Put the deadlines on your calendar as a visual reminder so you ensure they get done. Remember each task accomplished takes you closer to your financial goal.

3) Set a dollar amount.
Every financial resolution should have a specific amount attached to it. You have to have a number that you're working towards. At what number can you claim success. If you're resolved to save more money. How much money do you need to save per month, per year? Make it specific. For example, I will save $1,000 this year. Now you have a number. Now you have a concrete endpoint for when you have accomplished the goal. If we stay with the retirement example, a goal with a dollar amount would be: I will contribute 20% of my income. You know how much you make and how much should then be contributed. 

About Your Author: Maria James has a compassion for people that makes her involvement in Heal a Woman to Heal a Nation a sure fit. She is a biomedical scientist who is public health conscience and has always worked for the betterment of others. While an undergraduate student at Johns Hopkins University she co-founded an organization called STOP, which taught basic self-defense to women and children. Her has a passion for diverse communities led her to live in Costa Rica for three weeks to learn more about the culture and community. Maria also continues to pursue her other interests which include, Spanish and finance. Maria also founded the business Pocket of Money, LLC which provides tools and tips to help you take control of your money and live your best life. Meet Dr. James at our 2014 Unlimited You Conference April 11- 13, 2014 www.hwhn.org.