Women Entrepreneurs Week – Tina Hay

Women Entrepreneurs Week – Tina Hay

November 19 was Women’s Entrepreneurship Day where the accomplishments of women in business are highlighted. I love being in business and meeting other women who are living on purpose and adding value to the world through their business. Instead of celebrating just one day I’m celebrating all week and possibly the rest of the month.

I’ll introduce you to incredibly innovative women and highlight their business for you. To learn more about them personally and/or what they sell, click on the links to visit their websites. Remember, when women are strong, the world is stronger.

Today I want you to meet Tina Hay the Founder and Creator of Napkin Finance 

What kind of business do you have?

Napkin Finance is a platform that simplifies complex financial topics.napkin-finance-start-up

Through sketches and videos, we make financial literacy more palatable. What’s unique about Napkin Finance is that we engage through humor, simplicity, trust, and empathy.

Why did you choose this business?

The inspiration for Napkin Finance was my own struggles with finance as an MBA student. I am a visual thinker, as are many other people. Sketching out images has always helped me understand complex topics.

I started illustrating different topics on napkins as a marketing platform for a previous startup and we saw that our napkins seemed to resonate with quite a few people.

As we added more and more topics, we realized that there are few resources that make financial literacy more palatable and accessible.  From there we have grown from napkins to videos, a glossary and we are now working on releasing a podcast.

What keeps you going? What’s your “Why?”

The best part of what we do is the feedback and messages we get from our members. Nothing beats hearing from parents, young adults, teachers and many others that they love our content and we are helping them make smart and impactful money decisions.


What kind of help did you have to start and build your company?

I have been very lucky to have a team that is incredibly talented, hard-working, and loves working on such an important and vital subject.  I have also had great advisors from the start that have helped guide the strategy and direction of the company.

What’s your biggest challenge?

The biggest challenge is focusing my time and resources on the most important issues, rather than getting distracted by the numerous daily challenges and opportunities.

What kind of support system do you have?

I have incredibly supportive family and friends. Starting a business is a roller coaster ride and it is sometimes difficult to handle all the ups and downs. It is nice to also know many people who have started companies and can understand and relate to the difficulties and demands of startup life.

What makes you feel successful in life and business?

Working on a company that is helping people and also having fun doing it is the best feeling and more rewarding than any other financial return.

women-entrepreneurs-tina-hay-ceo-napkin-financeBIO: Tina’s personal struggles understanding complex financial topics led her to found Napkin Finance, a guide to everything you need to know about money in 30 seconds or less.  The mission of the company is to empower readers to make smart money decisions and build a lifetime of financial well-being. Prior to creating Napkin Finance, she was Co-founder and President of CityTripping.com and Founder of Platinum Test Group. She holds a B.A. from UCLA and an MBA from Harvard University.

3 Quick Single Mom Stress Relief Tips

3 Quick Single Mom Stress Relief Tips

This post contains affiliate links

A few years ago I was dealing with debilitating single mom stress, well just plain stress, to the point that I started having hot flash and night sweats on an hourly basis. It was really bad! I couldn’t think straight because my mind was foggy. I was dealing with depression, doing the model mommy thing, and working through dissolving a toxic relationship. This went on for a year or so when I finally decided to get help. I went to the doctor and they put me on anti-depressants and start me on hormone replacement therapy (HRT) because I was entering menopause. I was only 32 years old! Ugh!


I did the anti-depressants for a couple of months and I refused to go on HRT. The meds I was taking was making me feel like my head was detached from my body. I really couldn’t function and I was afraid I was not going to be alert enough to take care of my kids. I was also scared to drive even though I hadn’t taken medicine for a couple of days. The affects of the medicine was still in my system making me feel drowsy and crazy in my head. I had to do something so I researched a few natural therapies I could use to deal with the stress.

I found out about lavender, meditation, EFT, and Valerian root. I used a combination of these things to finally get stress relief.

Stress Relief Tip #1

Valerian root for single mom calm stress relief
WikimediaImages / Pixabay

I use Valerian Root first. I heard about it when I was younger so I knew it had a calming affect. I could take it everyday without it making me drowsy and disconnected. It was not addictive so I started taking it daily. I felt better within a week. I slept better at night and didn’t feel jittery or nervous.

Stress Relief Tip #2

Emotional freedom technique (EFT) for stressed women
xxolgaxx / Pixabay

The next thing I tried was EFT or emotional freedom technique. I was researching ways to deal with the emotional issues I was having and came across this new method of treating them. I learned how to do the technique and got some results. It wasn’t until years later that I really started using it and got unbelievable results. I’ll have to do a different post on just this method alone.

Stress Relief Tip #3

Finally, I started using lavender. I bought sachets to put under my pillow at night and found spray products that had the fragrance in it. I really like it because of the smell and the calming affects. Recently I bought a product off Amazon called Tranquility by Phytopia. It’s a massage oil that has a very nice lavender fragrance. It’s strong but not overwhelming so I can use it at night, which is how they recommend you use it. I slept for eight hours and felt great the next morning.

What’s Bugging (Stressing) You?

single mom stress relief tips
MasimbaTinasheMadondo / Pixabay

I don’t know what kind of stress you are dealing with personally. If it’s anything like mine was I recommend that you run to the health food store or Amazon (free 2-day shipping is awesome) and pick up the items I used. You can go to the EFT website and read more about it or search for it on YouTube.

Being on anti-depressants wasn’t the answer for me. I could not function and I did not know what kind of damage it was doing to my body. I just didn’t want to risk addiction. Dealing with the issues was the best thing for me because I wanted to be completely healed from the stress, depression, anxiety, and other emotional issues.

Watch the video, 3 Quick Single Mom Stress Relief Tips, if you don’t want to read it

Get Help and Get Healthy!

single mom get help get healthy

If you are dealing with dark thoughts, feel like you can’t get yourself together, or want to harm yourself (or your kids) please get help. Do not suffer alone!


When Should You Give Kids Cellphone?

When Should You Give Kids Cellphone?

Should I give my kid a cellphone? That has been a question parents have been asking for almost a decade now. I remember when my daughter first asked me for a cellphone. I wasn’t excited about the idea but I knew she would not stop asking me for one because all her friends had one. She was 12 years old and growing up fast. What could I do? Should kids under age 16 have a phone?

when should kids have cell phone

natureaddict / Pixabay

These days most parents would say yes. i understand that there are no more pay phones and kids need them if there is no home phone. Being a latchkey kid comes with it’s issues already but not having a way to communicate adds another set of issues. My daughter was a latchkey kid for a short time so I get it. But I think there should be limitations.

Flip phone vs. Smart phone

when should an kid have a cell phone

Unsplash / Pixabay

This was my biggest concern when my daughter asked for a phone. This was back in the day before iPhones came out. The Blackberry was all the rage so there were other brands that had similar features. Access to the internet was new but it was coming fast.

Lexi (my daughter) wanted a nice smartphone but I wasn’t having it. She would have to settle for a Tracphone or a similar type. She would be able to dial the number, get text messages, and no data plane.

When my son got older he began asking for a phone. Technology was much better now so the smartphones seemed like the only option. A few months earlier I came across a great deal from Freedom Pop to buy a Samsung Galaxy 3 pretty inexpensively and I’d get free talk, text, and limited data. I jumped at it so I had a phone. Not long after that I upgraded to a different phone and plan. I gave my son the Samsung and sent him on his way. He has a nicer phone than my daughter did but he has limitations like she did.

Freedom Pop has phones on sale now starting at $29.00 and double the data. If you have signed up with Ebates you get $5 cash back too!

Limited vs Unlimited Planswhat kind of phone to give a teen flip phone vs smart phone

My daughter’s Tracphone prepaid plan was pretty pitiful. I can laugh about it now but back then she was not too happy. She had 100 minutes, maybe 300 text messages, and she got charged each time she checked her voicemail, LOL! It was awful. But it taught her responsibility. She could not talk endlessly on the phone and text all the time. She basically limited her talk and text time to me and close family. Over the years she has gotten upgraded phones and plans but she still does not talk very much and she has started to text her friends more.

My son’s limited plan has had a similar affect. He rarely talks on the phone and he barely sends text messages. Maybe it has to do with being home-schooled and not feeling peer pressure. He doesn’t use the data plan much either because he’s on wifi at our house most of the time. Best of all I saved money by putting them on pre-paid or free cellphone plans!

I can’t see giving kids under 16 a generous or unlimited plan for two major reasons:

  1. They are not paying for it
  2. They have no opportunity to learn self-control and responsibility for what they have

Other parents may disagree but I know that limited the cell phone type and plans for my kids have saved me thousands of dollars and taught them responsibility and self control.

Does Cellphones Increase Drama for Teens?Does giving teens a cellphone add more stress and drama to their lives

My sister mentioned a conversation she had with a co-worker. Her son is girl-crazy and is having a lot of problems out of him. My sister told her that her son, who is the same age, doesn’t have this issue and that it could be that he doesn’t have a cellphone. The lady admitted that maybe that was where she went wrong.give-kids-cellphone.jpg

A phone in itself cannot control behavior but it can be a contributing factor.

So should kids under 16 have a cell phone? I think they can if you as the parent put limitations on the type and plan. Can you trust a 13 year old to keep a $400 phone safe, free from cracked screens, or from being stolen? Can a 10 year old truly be responsible if given an unlimited plan and the latest iPhone?

I don’t think so. That’s my opinion, but the boundaries I set with my kids have been successful.

What about you? How old was your child when you gave him/her a cellphone? Has it been a headache for you?

Disclaimer: This post contains links to products recommendations for which I may be paid a referral fee. This helps keep this blog up and running with quality content. Thank you for your support over the years!

Spring Cleaning at RichSingleMomma’s House

Spring Cleaning at RichSingleMomma’s House

I’ve been procrastinating about doing spring cleaning at my house. I admit that I’m not a Suzy homemaker. I tried that when my kids were little and I almost had a mini breakdown. I have a good reason — I was a full-time mom, student, and employee.

The pressure was great okay!

Spring Cleaning Begins

So this week I began the spring cleaning process but first to Walmart to pick up a few cleaning supplies. Since I didn’t want to do a lot of scrubbing I needed something to make the job easier. I decided on Scrubbing Bubbles® and Windex®.



The first thing I need to tackle is my bathroom. I have to do the tub, a garden tub mind you, which is kinda big, the toilet, the shower, and the sinks.

The process of cleaning was basic. I followed the instructions on the bottle to spray to cover the area I wanted to clean. Since the Scrubbing Bubbles® is suppose to do all the work I sprayed the tub, sink, toilet, and shower. Now to let the magic happen.

I actually forgot that I sprayed down the bathroom but when I walked back into my bedroom I smelled the spray. I went in to clean the tub first which was more or less a rinse off. The toilet was sparkly white. No scrubbing there and basically the same with the sink. Shower needed a little more work on the floor part but the rest was great!

The Results of the 1st Phase of Spring Cleaning

Here is the before and after for the garden tub:


Here is the before and after for the sink



I loved being able to keep the work down to a minimum. This was a good start to spring cleaning. I think I can move on to the next phase. Closets! 😉

This post was sponsored in part by SCJ and Walmart but the opinions are wholly mine. FTC Disclaimer

5 Coping Strategies to Steer Single Moms Away from- “I Quit!”

5 Coping Strategies to Steer Single Moms Away from- “I Quit!”

Have you ever asked yourself “Why am I on this roller coaster ride? How do I get off?” What can you do to silence the nagging voice that keeps whispering in your ear “just quit”? Despite having faith and juggling life, as a single mom, there will be times that feel like everything is suffocating you. This does not indicate weakness. This is life—the life of a single parent. While I have no silver bullet that will help you defeat trying times, I do have a set of invaluable coping strategies that will empower you on your journey.

These are the 5 coping strategies:

  1. Crying-Purge set some things free

As much as crying yourself to sleep at night will bring no positive result or qualified answers to the problem that you are facing in the moment, it is still effective. Crying is a purging process that ultimately relieves some of the heaviness you carry daily.

  1. Faith- You have to have something you believe in and that fills you up

Having faith to know and believe that no matter what is happening in your life there is something greater than you and will never fail you is critical. Believe in the power of the universe to hold you up, show you the way, and open up closed doors when you have met the end of your own strength.

  1. Quiet Time- Rest your mind, Reclaim your power and Rejuvenate your spirit

As a single mother, a lot is asked of you. You give until you have nothing left in you. Take the appropriate time to sort things out and to spend some time alone relaxing your mind.

  1. Self-Improvement-Feed yourself positivity. Feed Your Mind

It is critical that you as a single mother do not stop growing and becoming better. It keeps your mind alert and continues to open up the door to opportunities to offer more to your children. And let’s be honest, it is good to lead by example.

  1. Devotion/Meditation- Tap into your inner core

My favorite scripture is “I can do all things through Christ who strengthens me” from Philippians 4:6. Whether it is to run over, step over, climb over, roll over, or even crawl over the mountains before you, it has to be done; quitting is never the only option. Single mother’s you must pull out your mantra/verse and recite it with unwavering belief to produce the inner strength and power to make it a little longer.

These strategies are a starting point for overcoming the “I quit” syndrome. You have no barriers or boundaries except the ones you create. Single mother’s, you will never be faultless or handle every situation the right way, but you can give your best. You are more than you think you are and can go much further than you know. Be confident and be bold. You must have faith to know that you are chosen, equipped, and ready to change the face of the next generation. You have to release “I quit” in order to receive “I can”.

 About the Author

Grayce Bernard is the founder of IMPAC, Inc. and the author of the book: Raising Giants-Repurposing the Life of the Single Mother. She helps women break the cycle of generational poverty to build wealth by creating a life plan and step into a bigger vision of herself.  C. Grayce serves as a voice and advocate for the voiceless. She specifically helps single mothers reframe their stories of shame into stories of empowerment. C. Grayce Bernard is a coach, speaker, trainer and transformational leader. Book C. Grayce Bernard for your upcoming event at443.364.8789 or email: cgb@cgraycebernard.com.  Connect with her on Twitter, Facebook, and Instagram