Finance

Grasping the Reality of your finances

100 dollar bill editHaving a realistic scope of your finances is a healthy way to take a step toward a debt free life. Many years a ago, Donald Trump (before he was as successful as he is today) made the comparison between himself and a debt free homeless man. He said if he were to give the homeless man one dollar that the homeless man is technically richer than he was at the moment.  You may think that doesn’t make sense. Essentially a lot of us live a life that is in the negative when it comes to our finances. We buy our cars, homes, clothes, furniture, appliances and sometimes even our vacations on credit. And we are simply surviving by making minimum monthly payments laced with interest charges. Real money is the money that we actually have in our bank accounts that we earned. Imaginary money is our line of credit and our overdraft accounts. I have seen it time and time again in which the bank gives larger and larger overdraft limits and credit card companies increase card limits. When these increases occur, it does not mean that we now have more money. Remember that money is imaginary, again what we actually have is what is in our bank accounts (or in some old school cases, hidden in the mattress.) I am not saying that credit is a bad thing, however if we assess what we actually have, we can better access what we can afford to actually buy. We have often heard experienced financial analyst and economic geniuses like Suze Orman, tell us to live within our means. Today let’s take the time to determine what our means actually are rather than the imaginary money we believe them to be. Happy savings!!!

Kids and Family

Summer Reading Adventures

Summer ReadingSummer is totally upon us. The kiddos are out of school. Let’s face it, everyday is not going to be some ultimate outdoor adventure. Throughout the country the weather has been outright strange. Here in Houston the April showers are still pouring in the month June. That means indoor entertainment is key. One great way to still have an adventure, despite the weather, is to venture into a book. Reading is beneficial regardless to age. Yes, I know you are thinking, “Books cost money.” Yes indeed that is true, but there is a free route that is often neglected. Our public libraries are filled with books. Not just books to check out for free physically, but even e-books can be checked-out online. Yes indeed, you read that right, you can go online to your local library site and check-out an e-book and have it instantly for your intellectual consumption. I recently utilized the process and it was great, not to mention a time saver, I didn’t even have to drive to library. If you are wondering about how you return an e-book, no worries, the book will simply no longer be available on your device after the check-out period. Which is great which mean not late return fees!!! Try it out you and your family could begin and new adventure right now. Time saved and money saved!!!

Fitness & Wellness · Kids and Family

1 Remedy to Combat Depression

Drepression editExercise has so many health benefits, but the one I would like to focus on today is reducing depression. WannaTalk2Us is dedicated to streamlining the various aspects of your life that will contribute to your overall well-being. Depression is something that seems to strike each of us from time to time. You may have experienced depression or you may know someone who has experienced depression. Depression not only affects the host but everyone surrounding that person. It is harder to work, interact with people, tend to our families, and so much more when overtaken by depression. You may think that the mental state of depression is just that, a mental state.

The mental state of depression sometimes has physical manifestations such as un-wanted weight gain or weight loss due to a change in one’s eating habits.

Depression can also take away from focusing on properly managing finances or even over-spending. There are so many ramifications to depression and there are lots of Continue reading “1 Remedy to Combat Depression”

Finance · Fitness & Wellness · Food and drink

Say Goodbye to Smoothie King and Hello to Money Saved

Spinach SmoothieRight now we are in the part of the year where a lot of us begin to start working out in an attempt to achieve the oft sought after beach body. The reality of the matter is that good health is something we should prioritize all year long instead of right before the warmer seasons. It can be challenging to get started. A great way to start is to add some healthy options into your diet. Our energy levels are directly affected by the foods we eat. Dr. Don Colbert pointed out the necessity of eating living foods versus dead food to promote good health. Living foods would be things like fruits and vegetables while dead foods would be heavily processed items like potatoes chips and candy.

We all know that it is important to eat a variety of healthy foods in order to get the full spectrum of nutrition our beautiful bodies need. Sometimes with our busy schedules it can be very challenging to ensure we are eating a wide variety of healthy foods.

Ultimately, I would love to see each of you adopt a determined attitude to place your personal health at the top of your list. With great health it is easier to enjoy life, family friends, and having great health is a great money saver. One of the easiest way to get a wide variety of healthy foods into your diet is to blend them together into a smoothie. Smoothies can be very expensive when you purchase them from places like Jamba Juice and Smoothie King. However you guys know I am all for saving some money and streamlining our finances; so Jamba Juice and Smoothie King are out of the question!! The cost per week for smoothies from the aforementioned can quickly begin to add up. I’d rather see you better allocate your funds elsewhere. There are some great alternatives to purchasing smoothies. There are a lot of great blenders, food processors, and smoothie makers out there now that will allow you to make your smoothie at home for significantly less cost than going to Smoothie king. Continue reading “Say Goodbye to Smoothie King and Hello to Money Saved”

Food and drink

That’s it Thursday: Quenching Thirst

Water pitcherI always try my best to be as hospitable as possible. “Would you like something to drink? I have tea, juice, coffee, and water.” Most times it never fails, in which they will ask for water. I am not sure if they are attempting to be polite and maybe somewhere in the back of their mind they believe water is the easier choice or the healthiest choice. So let me preface this by saying, I do not have a problem with giving my guest bottled water. I have a problem with giving them each a cold bottle of water for them to only take two sips from it. I have learned from my mistakes and will no longer allow myself to have partially consumed bottles of water left behind after my guests have departed. I usually take the leftover water and use it to water my plants in an effort to not be wasteful. I have come up with a simple solution. I now pour glasses of filtered water instead of offering bottled water to my guest.  The trick  is to use medium-sized glasses and a pretty water pitcher. A simple elegant setup that would be reminiscent of a social scene from your favorite soap-opera or television show. Why medium-sized glasses? Well it’s a three little bears scenario: the small glass is too small and the large glass is too big, but the medium size glass is just right. What if my guest is really thirsty? The simple solution for an empty glass is to fill it again. Having the water pitcher handy makes it inviting for your guest to pour themselves more water as well. Use a water pitcher, save water, save bottles, and save money!!!

Fitness & Wellness

Wellness Wednesday

Range of motion

Physical fitness is extremely important. Before working on getting fit, its important to work on our range of motion. Range of motion is the full range that your joints have the potential to move. For example, due to years of not stretching or injury some people may notice they have trouble bending over and touching their toes without bending their knees or extending their arms upwards without bending their elbows. My grandmother has been and avid gardener since I can remember. One day while sitting on my grandmother’s porch with a few people, someone complained about their knees and another about their hips. As we all know that one complaint leads to another complaint. Continue reading “Wellness Wednesday”