Sunday, November 9, 2014

Did you resolve to do better with your money this year? By Monique Caradine


For many of the women entrepreneurs I’ve talked to recently, this was their number one resolution. 

Some  had survived really tough times last year while others just wanted to take their money up a notch.  Either way, change is good.  So here are 6 simple yet powerful money habits that can make a big difference in your bottom line in 2015:

  • Automate your savings.  Don’t just take your spare change to the bank on any given Saturday.  That’s what teenagers do.  Instead, have your bank auto-debit your savings at least once a month.  This takes one more thing off your to-do list and before you know it you’ll have a nice chunk of cash put away.  If saving automatically is already a habit, I challenge you to increase what you save each month by twenty-five percent.  I’m a huge fan of CapitalOne360’s online savings program.  It makes saving easy and fun.  Try it here.
  • Track your income regularly.  Most people advise you to track your expenses – and that’s cool too, but I find it a lot more fun to keep tabs on my income.  What this does is gets me in the mindset of expecting and creating money regularly—even daily—simply because I don’t like seeing too many zeroes on my tracking sheet!  One month, I brought in money 19 out of 30 days.  How?  Through multiple income streams.  Every woman should have at least 3.  The more you have, the more frequently money will come in.  By tracking your money regularly, you can see where it’s coming from and how to create your increase!  By the way, one of my fab clients recently told me about this cool tool you can use for tracking income, expenses and budget.  
  • Use coupons.  I used to think that coupons made me look like a cheap-o.  Now I know better.  Trust me, you are never to fly to take advantage of a discount!  Truth be told, I don’t spend hours on Sundays going through sales papers but I do use the coupons the cashiers hand you at the register.  Recently I saved $10 on a purchase at my local pharmacy just by using the coupon the cashier put right in my hand.  Save a few extra bucks a week with discounts, coupons and rewards points and by the end of the year you could splurge on a great piece of art or add to your savings.  
  • Stop money leaks.  A money leak is any kind of fee, subscription or service charge you’re paying even if you are not using the service.  Stop this from happening now.  I know it may seem like a hassle to have to call or write to cancel the service but it is worth it.  The money that’s slipping through your fingers adds up and I’d rather see it going into your savings account rather than to the gym you haven’t been to in 6 months.  So every 90 days or so, scan your credit card statement to make sure there are no leaks.
  • Clean out your wallet and your purse.  Do I really have to say more?  A junky purse and wallet is a sign of insecurity and indecisiveness.  I’ll explain that more in a future article but the bottom line is this: the place where you keep your personal and most valued belongings should be clean, not cluttered with old tissue, gum wrappers, receipts, mail and your children’s toys!  Money will not thrive if its surrounded by chaos.  Take 10 minutes once a week and get your purse and wallet in order, ok?
  • Give. If you know me, you know that I believe women entrepreneurs deserve to be rich and happy.  Generosity plays a major role in helping you get there.  When you have the courage to share your resources with others even when it feels like you don’t have enough to meet your needs, you send a powerful message to the universe that you trust your Source (aka God).   When you give, you show that in Source there is no lack.  You send a message that in God, there is an unlimited supply of everything we need.  Find a church, charity or cause you believe in and give.  When you do, magical things will happen.  I guarantee and decree it.  (Last year I was thrilled to contribute to a scholarship program for urban girls with a focus on media literacy and empowerment.  Check them out here.)
What money habits have worked for you?  Which one of these do you plan to put in place?

FEEL FREE TO SHARE THIS!  JUST BE SURE TO ADD THIS BLURB: Monique is an award-winning TV & Radio personality and a certified Income and Influence Coach for emerging women in business. Using her nearly two decades as a producer and on-air personality and 10 years as an entrepreneur, she helps women in business drop fear and excuses to become highly visible high-earners.  Her OverFlow Women’s Business Retreat is being held in San Juan Puerto Rico June 9-12, 2015.

Connect with Monique Caradine on Twitter @moniquecaradine and check out her for more information and fee resources. 

Embrace Your Entire Dream By Tiara Wilkinson


Only recently have I embraced the entire dream that’s been in my heart for quite some time.
Before then, I was taking some steps to walk in my purpose.  I had worked through the process of following my passion to identify my purpose. I had researched, studied, and written out ideas and plans. I started a small project to hold myself accountable, I was enrolled in school, and I was more than willing to walk out my dream among family and friends.

But I knew that I had to reach higher and work toward more ambitious goals to fulfill what was really in my heart. Everything that I was doing was “safe”. They were comfortable options for me and didn’t require much from me to do. Yet, in order for me to achieve my full vision, I knew I would have to come out of my comfort zone.

Part of the issue of embracing my full dream in life stemmed from fear. I was afraid of criticism, of making a mistake, of not being successful, of someone thinking I was trying to imitate someone else, of not reaching my goal... You name it, I was afraid of it. So, I didn't do anything. I stayed in my comfort zone while my real dream burned inside me.

One day it just hit me. My purpose was why I was alive. Until I embraced everything that was in my heart, I wouldn't be happy. I wouldn't be fulfilled. I wouldn't be at peace. Going after my full purpose had to be priority number one.  

So, I embraced all that was in my heart and went for it. I stared down fear, ignored all of the negativity that was trying to stop me, and stepped out of my comfort zone.
And I started to live the entire dream that was in my heart.

What is in your heart right now? What is keeping you from stepping outside of your comfort zone? 

It doesn't matter how afraid you may feel. Sometimes you have to move past feelings and just move forward.

It doesn't matter how many negative reasons you can come up with to remain in your current spot. There will always be something trying to block you from your goal. Sometimes the only thing in your way is you.

What matters is what is in your heart. What matters is the dream that gets your pulse racing.

What matters is your success, your fulfillment, your peace. 

You may have taken some initial steps toward your goal, but don’t fake your own self out. You know if you’re really moving forward or just going through the motions. You know if you’re really shooting for the stars or just aiming for what you think is reasonable. You won’t reach your real goal staying in your comfort zone. At some point, you’re going to have to stare down fear, ignore all the negativity, and step out.
Start living the entire dream that’s in your heart. You won’t be satisfied until you do!

Connect with Tiara Wilkinson on Twitter @a4cdiamond
and check out for more information!