5 Steps Single Moms to Personal and Financial Success in 2022

5 Steps Single Moms to Personal and Financial Success in 2022

We are a month into 2022 (as of this writing). How is it going so far? Hopefully you are still feeling a sense of newness and possibilities. Here are 5 Steps to Personal and Financial Success in 2022:

Forget Resolutions

I don’t do resolutions but i set my intention for my life. This year I made a simple list in my notes app that I can look at every day. I also have my digital vision board on my phone, laptop, and tablet as my background. Here is a quick tutorial on how I did it in Canva.

Create a Vision Instead

This is how I set myself up for success. I also practice raising my vibration so I live in more positive mindset and energy. There are things that irritate me and throws me into a fits of rage like rude drivers but I’ve learned how to keep that from ruining my entire day. I’ve learned how to recover quickly and return to a higher vibration.

I also practice the law of attraction, meditation, and affirmations daily. I have grown to believe that everything and everybody is for me not against me. I believe that I can have anything I want in life. I believe there is plenty in this world so there is more than enough. This belief system is something I cultivated over time so it didn’t happen over night.

Create a Plan

It was a process of reading, taking notes, watching videos, listening to audio books, journaling, and practicing what I learned. My life changed from being a struggling and depressed single mom to a thriving and happy woman with amazing kids. See the difference?

It’s not rocket science but it does take commitment to self development. That’s kind of hard because we try so hard to get acceptance and approval from other people but we don’t give it to ourselves. That is backwards and counter-productive.

Make Self-Care Priority

This is where radical self-care, willingness to be a little more selfish, and breaking the cycle of codependent relationships comes in. This is where you decide that your mental and emotional health are priority and that you are worth the effort.

It’s easy to get trapped in the cycle of frustration, despair, confusion, and depression. It feels like nothing will ever work out and you will always struggle with money, relationships, and your mental health.

Commit to Becoming the Best Version of Yourself

Fortunately, all this can change. Again it takes commitment to your self-development to get from struggling to thriving. You just have to decide you want it even if you don’t feel like you can do it. Even if you don’t feel like you are worth it. Even if you feel like changing your circumstances is too hard. Just make the decision that you will commit to becoming the best version of yourself. That’s all.

The next step will be waiting on the other side of your decision. You’ve got this!

To help you start this process download the Radical Self-Care Planner here. Use the code NEWYOU2022 for 50% off until January 31.

 

6 Budgeting Tips for a 2021 Road Trip

6 Budgeting Tips for a 2021 Road Trip

By Molly Barnes, Digital Nomad Life

Road trips are a blast, but they can also be complicated, especially with kids in tow. Unless you’re flying by the seat of your pants (so to speak), you’ll have to set an itinerary, work out the details of how long it’ll take to get from one place to the next, and, of course, budget and save for the whole thing.

Budgeting can be the most difficult part of planning — a fact that became even more true in 2020, with fluctuating prices, limited options, and safety factors all put into play by the pandemic.

There’s a lot to juggle when you’re budgeting for a vacation, but it’s far from impossible, and you don’t need to let money concerns spoil your fun. When planning for your road trip, take the following steps to make sure it’s a success — and not a source of financial stress.

1. Save up ahead of time  

If you’ve got a tight household budget, you may not have much wiggle room — unless you’ve got a vacation savings plan built in. Which you should.

Set aside a little each month to save up for your road trip. It’s impossible to know exactly how much it’ll cost far in advance (especially with gas prices fluctuating and the cost of accommodations in flux). But you can map out a general budget, then set aside a little extra in case of emergencies.

When you leave will likely depend on how much you save, so if you’ve set a specific target date (or scheduled your vacation with the boss), you’ll have to be diligent about sticking to your pre-trip budget. Otherwise, you might have to shorten your trip, pick a different route, or, worse, wait ‘til next year. 

2. Map out your route  

How much you budget (and spend) will depend at least in part on where you plan to go. Road trips are great because they can cost less than buying an airline ticket, and you can see a lot of things you’d just be flying over otherwise.

Many of the most eye-catching and beautiful sights are visible from the side of the road, or with a short detour. There are many scenic highways from which to choose, all across the country, with plenty of opportunities for “oohs” and “ahs” and making photographic memories.

Take your camera (or camera phone) and be on the lookout for breathtaking overlooks from mountain roads, historic bridges with majestic arches — even in this U.S., some are nearly a century old — timeless forests, or gigantic rock formations.

3. Give your vehicle a checkup

The last thing you and your budget need on a road trip is to have your car break down, so make sure its service record is up to date before you go. 

Check the tread on your tires (you can use a coin to see where you stand) and replace them if any are too bare. Also, get an oil change and/or a tuneup — even if you aren’t quite due yet. You don’t want to have the oil light go on halfway through an extended trip and make you interrupt your fun with a few hours at a service station. 

Take along an automotive tool kit, just in case you run into trouble despite your preparations. While you’re at it, make sure your car insurance is up to date and covers everything you need it to cover. Also, having a roadside assistance plan isn’t a bad idea for long trips.

4. Have a credit cushion

No matter how carefully you plan, something can always go wrong. Be prepared to roll with Murphy’s Law by making sure you’ve got enough credit to handle the unexpected. You may even have credit problems, but don’t let that stop you from taking your trip. 

You can secure a fixed amount of credit on a card by depositing a few hundred dollars in an account to cover emergency expenses, if need be. With this kind of card, your deposit amount will be your credit limit, so you can’t go over. It’s another form of budgeting that helps you build your credit as you go.

5. Stock up before you drive off

Taking your own supplies on the road became a common practice during the pandemic. Disinfectant wipes, masks, and hand sanitizer became must-have supplies. It’s also become routine to stock up on food, water, and other essentials before departing — since the fewer stops you make, the less likely you are to come into contact with someone who has the virus.

Even as conditions improve and restrictions are lifting, these are good habits to maintain. Grabbing granola bars, water, soft drinks, snacks, and essential items before you leave will save you time and money: It’s a lot cheaper at your home grocery store than at a convenience store along the way.

6. Look for deals on gas, lodging

Discounts are always worth pursuing, regardless of your budget. Why pay more than you have to? There are plenty of tools to help with that. Download an app to find the cheapest gas and qualify for deals, or grab a loyalty discount card from a chain you trust.

Hotels offer preferred-customer deals, too. Some travel apps give you a free night after you’ve reserved 10 nights through their service, and hotel chains offer similar deals for repeat customers.

Budgeting for a road trip doesn’t have to be a headache. Just the opposite: It can save you headaches down the road. If you know how to find deals, prevent trouble, and put yourself in good financial shape ahead of time, there’s no reason your road trip can’t be full of awesomeness.

 

 

 

How to Manifest Money (without hustle and hard work)

How to Manifest Money (without hustle and hard work)

“Money Flows Effortlessly into My Life”

That is the mantra I’ve been repeating to myself for the last few days. The results?

  • Today I got a $20 bill and a check for $1.62 in the mail. Small? Sure. But it’s just the tip of the iceberg for the money that will flow into my life in the next few days.
  • Yesterday I got $99 to do a job.
  • Two days ago I got $13 for a product order. I also got another large order for my Blyss Body Butter product totaling $249 plus shipping.

Your life will go in the direction of your words so make your words work for you. Use Mantras!

Why have I been attracting or manifesting this money? Because I set my intention by repeating my mantra . It’s not rocket science (though I did work for NASA for five years) but it is about belief.

Will I manifest more money? I’m certain of it because I believe and I’m adding action to my belief.

The amounts I’ve attracted are just the tip of the iceberg. They are just the beginning of bigger money manifestations.

Can Mantras Manifest Other Things?

Can this work with other things? What about jobs? relationships? health? I believe it can work with all these things.

Our mind, body, and spirit are connected. What we feel in one of them is felt in all of them. They are one, just as the Trinity or Godhead are one. What one believes the others agree with so we must be mindful of what we speak and how we feel.

Our mind, body, and spirit are connected. What we feel in one of them is felt in all of them. They are one, just as the Trinity or Godhead are one.

I speak my mantras out loud. They are little prayers. Not for God to be convinced but for me; my mind, body, and spirit to be convinced and fall in line with God’s plan, favor, and blessings.

My Mantras Manifested a Man!

I believe I manifested my sweetheart. He did not show up until I believed there was someone out there especially for me. When I repeated my mantra prayers I set the intention and opened my heart. I put it “out there” that I was ready to receive all the love my heart could hold.

I put it “out there” that I was ready to receive all the love my heart could hold.

He walked into my life shortly afterwards. Interestingly enough, we didn’t start dating until two years later so that goes to show the power of your prayers, your intention, or your mantras.

When you believe your words become life. Whether you are completely ready for it or not.

The truth is we manifest things everyday. They can be positive like, “Money flows into my life effortlessly” or they can be negative like, “I never get a good parking spot”.

We get what we say we want and what we feel we deserve. It doesn’t matter how often you think about using mantras. You are using them every single day. Your words are little prayers and God, the universe, and your body hears them. They respond and conspire to make your mantras manifest or your prayers answered.

This post is getting long but I wanted to share the power of your words to bring your desires to reality. There is nothing woo woo about it. It’s all about perception and framing your experiences and beliefs.

I hope you will think more about what you are manifesting by your words. I hope you will re-frame your words and shape them into more positive experiences in the coming year.

How to Manifest Money with Mantras and Affirmations

Want to start using mantras and affirmations like I do to manifest money? Don’t know what words to use? Fortunately, I created a list of mantras and affirmations you can use to get started on this money manifesting journey. Download it here for free now.

download free single mom money mantras and success affirmations now

 

14 Part-Time Weekend Jobs to Make Extra Money in 2021

14 Part-Time Weekend Jobs to Make Extra Money in 2021

This post originally appeared in the The Financially Independent Millennial

Are you looking for part-time weekend jobs in your area? Indeed, millions of Americans are looking to make a little extra money by working on the weekends. They might need to supplement their income, keep themselves busy on weekends, among other reasons. Or, perhaps it’s a student who needs to earn a little extra money to help pay student loans. Fortunately, whatever the reason, there are many jobs you can do during the weekend.

What to Know about Seeking Part-Time Weekend Jobs

Weekend jobs are available for people that need to make a little part-time money on the side. Additionally, the rise of “work from home” options, remote work, and freelance gigs have created a broad range of opportunities for people who want to concentrate on their work during the weekend.

Nevertheless, these opportunities require a variety of education and skill levels. For example, many of these weekend jobs come with “no degree” requirements. And others require specific education. Regardless, if you’re looking for weekend job opportunities, there will undoubtedly be something for you on this list.

Let’s get started!

14. Freelance Writer/Editor

If you’re a freelance writer or editor, you can work part-time and make money. As a freelance writer, you can create content for websites, compose written material like business reports, direct marketing pieces, and featured articles.

A freelance editor also proofreads writing, corrects grammar, and modifies the copy, enhancing readability. The best thing about taking these jobs is that, in many instances, the work can get done during the weekends.

Freelance writers can earn upwards of $1 a word and more if they have specialized education (I.e., RN’s, MDs, Lawyers, etc.). Moreover, editors can earn upwards of $45/hr. However, one’s earning potential depends on the skills, deadline, and the type of work you do.

Related read: Side Hustles for College Students

13. Web Designer

Most businesses want to represent their products and services they offer to the public via the internet. Web designers create web pages by creating and publishing content. And, they incorporate video and graphics into websites.

Getting hired as a web designer requires a knowledge of web authoring tools, writing, and other technical skills. Some freelance designers will partner with graphic designers and writers to complete their projects.

As a part-time web designer, most of the jobs can get completed over the weekend. Lastly, web designers can regularly expect to make upwards of $35 per hour.

Related: Best Jobs For Millennials Without A Degree

12. Graphic Designer

Graphic designers play crucial roles in creating visual aspects of brochures, web pages, logos, advertisements, packaging, presentations, and reports. Also, Graphic designers translate client ideas into visual design. Designers need to possess aesthetic sensibility, creative abilities, and expertise to work with desktop design programs.

Graphic designers earn, on average, $29.55 per hour. However, rates will vary on factors such as the complexity of the job, and to a lesser degree, education. Regardless, working as a part-time freelance graphic designer on the weekend could be a huge opportunity to make money.

11. Tax Preparer

Many organizations will hire trained seasonal workers to help their clients in preparing tax returns. Often, the best time for customers who need tax assistance is on the weekend.

Folks looking to work as tax preparers, part-time and on the weekends, need only to get certified. And many online tax prep schools exist to fill the gap.

Tax preparers interview clients and obtain information about their income and expenses. And, for complex tax issues, you can always consult senior staff. If you work as a tax preparer on the weekend, you can earn an average hourly wage of $21 during the tax season.

10. Rideshare Driving

Those who have a late model car and personality can drive for rideshare services such as Lyft and Uber. These services enable drivers to work as much or as little as they want, especially during the weekends.

An advantage of working on the weekends is that customers need rides following outings for entertainment, shopping, theatres, restaurants, and bars.

So, many drivers have taken this opportunity to work for multiple services, which has helped them expand their making money opportunities.

However, if you want to take this opportunity during the weekend, you must be an excellent driver. You may use your car, which should be in good working condition, or ask for your friends’ car. Rideshare drivers can make over $10 an hour, depending on the day.

9. eBay/Amazon Seller

Online e-commerce platforms have created opportunities for many people. Amazon and eBay offer a venue for sellers to promote their products. While products get sold 24×7 on these platforms, these part-time weekend jobs are an opportunity for sellers to conduct their business. However, e-commerce sellers should always be ready to reply to customers within 24 hours.

Additionally, packaging, uploading listings, and mailing orders can get done on the weekend. Amazon and eBay will keep 10% to 15% for the procedure from sales.

Amazon and eBay sellers can make thousands a year, while some even over ten million dollars in a year. However, as is the norm, the more you work, the more you make. And don’t forget there are season peaks for online sales that correspond to the holiday shopping season.

8. Wedding Photographer/Videographer

Those with good camera skills and a flair for editing photographs (and videos) have an excellent opportunity to expand their reach. As weddings tend to take place during the weekend, wedding photographers/videographers can work part-time, while honing their skills.

Wedding photographers also have the opportunity to earn big money on the weekends. For example, some charge $2,000+ depending on the client or wedding needs.

7. Wedding Musician or DJ

If photography isn’t for you, consider becoming a wedding musician or DJ. As most weddings (and other parties) get held on weekends, it offers those looking for a part-time job an opportunity to make some good money.

Those who have the skills to play the role of a DJ or a musician can undoubtedly take advantage of the opportunity. However, DJs’/musicians need to remember to play the music that will satisfy the guests–otherwise, they risk not getting referrals. A wedding DJ’s can expect to make upwards of $1,495 for playing music, not bad!

Related read: 28 Top Side Hustles – Make An Extra $1000 a Month in 2021

6. Golf Caddy

Golf courses tend to be busiest on weekends, and therein lies an opportunity for those looking for a part-time job as a golf caddy, especially during the summer season.

Before anyone can work as a golf caddy, they need to know the equipment and approach different holes. Also, physical stamina is required as caddies usually walk the courses with the golf clubs.

Golf caddies earn anywhere between $20 – $50/hr depending on the course level, golfer, and tips received.

5. Healthcare Workers

Since the outbreak of COVID-19 coronavirus, health care workers are in big demand. For example, there is a tremendous demand for nurses, especially per diem nurses. These nurses are needed to work on the weekend to supplement regular staff.

Registered nurses follow treatment plans, treat wounds, administer medications and monitor patients’ health status.

Also, weekend nurses can earn upwards of $30/hr.

4. Handy Person

For the DIY crowd with ninja-like repair skills, handy people (man/woman) can earn some good money. Since many people lack time to learn simple repair skills, handy people can fill this need, part-time and on the weekends. A handy person might get tasked with installing a light fixture, minor carpentry, repairing drywall, light plumbing work, or painting.

The best handy people can charge upwards of $50/hr. However, they’d get best advised always to try and please the customer as best as possible. This way, they’ll stay busy with referrals.

3. Customer Service Representative

Customer service representatives (CSRs) communicate with customers online or by phone to answer their questions and solve problems. CSRs also educate consumers regarding the effective use of their clients’ products or services. For instance, technical support workers solve software, computer, or hardware-related problems.

Before taking this weekend job, CSRs should be patient and possess strong listening abilities, problem-solving skills, and verbal communication.

Considering CSR’s can usually work from home, they can often perform these jobs on a part-time basis and on the weekends.

2. Retail Sales Rep.

The weekend is the time that people shop when they are off work. As a result, stores in various sectors will hire part-time people, on the weekend. Retail sales reps require strong customer service skills, and attention to detail will go a long way.

Additionally, as more shoppers enter the store, the more the products get sold. As a result, there’s also a demand for people to restock the shelves.

Retail sales reps earn about $12+ an hour. Statistics also show that in a typical (non-pandemic) year, there are nearly 10 million retail jobs, which means it’s an excellent opportunity to earn an income.

1. Bartenders

Bars are often busiest on the weekends.

Weekend events such as weddings, birthday parties, etc., provide weekend based opportunities. In 2018, there were 644,000 bartender jobs in America. And once the pandemic is over, there’s no doubt the situation will improve.

Bartenders require the skills and knowledge to mix drinks while having good listening abilities, a lively personality, and quality customer service skills.

Bartenders also earn most of their income from tips. So, in terms of compensation, some can earn up to $500 a night.

The Bottom Line on Part-Time Weekend Jobs

As you have seen, these are among the best part-time weekend jobs you can start right away. If supplementing your weekly income is important, consider a position where you can use your skills and knowledge to make some extra money.

The post Part-Time Weekend Jobs–Top 14 To Consider in 2021 appeared first on Credit.com.

Single Moms Raising G.I.R.L.s: Go-getters, Innovators, Risk-takers, and Leaders

Single Moms Raising G.I.R.L.s: Go-getters, Innovators, Risk-takers, and Leaders

As single moms or even just as a parent we sometimes forget the dreams we had as girls. Life has gotten in the way and our days are filled with diapers, making lunches, helping with homework, and trying to balance the budget. If you have daughters you have extra concerns as she grows into a young lady. Puberty, periods, and processing what it means to be (or not be) part of the “in” crowd.

What Being a Girl is Go-getters, Innovators, Risk-takers, and Leaders

For my daughter, I wanted her to be a go-getter, innovator, risk-taker, and leader. I am all these things so I wanted her to be those things as well. I made sure she was involved in activities that matched her interests including acting classes, modeling classes, flight school, and a social media apprenticeship. These activities along with her school extra-curricular activities helped her get into an Ivy-league university, become a student advisor, co-found a magazine, and serve on boards. She truly embodies the vision of the Girl Scouts’ G.I.R.L. (Go-getter, Innovator, Risk-taker, and Leader) initiative.

I bring Girl Scouts up because I recently became aware of that acronym. Even though my daughter wasn’t a Girl Scout I believe it could have rounded out her girlhood experience. I’m thinking about all those badges she could have gotten from all the activities she was in and the skills she learned.

 

Helping Girls Reach Their Goals

 

A couple of years ago I went to an Atlanta Area Girl Scout event where I was a guest speaker. I got to see the organization up close and personal. I was there for the Camp Leadership career preparation session where I showed the girls how to create a LinkedIn profile.
I was impressed the Girl Scouts of Atlanta had the foresight to begin preparing their scouts for career life.

Being a Girl is More than Looks or Relationship Status

Being a girl is not just about looking pretty and being in a relationship, marriage and babies. It is growing into a woman with options to be whatever they want to be.

For all the things a girl can learn in the Girl Scouts, one of the most valuable things to learn is how to think critically and make decisions.

Being a Girl and Completing What You Start

Going through the LinkedIn profile building exercise helped the girls learn how to think about their future, their accomplishments, and the value of networking.

By the time the session was complete, most of the young ladies had their profile setup. It would take a few more weeks or months to complete it because they were just getting started. The average adult with a profile has only 50% of their profile complete. I am confident these girls will have their profiles completed by the time they finish high school and certainly before they finish college.

The Value of Being a Part of an Organization Like Girl Scouts

For younger girls still in elementary and middle school, the Girl Scouts continues to build their entrepreneurial skills with the annual Girl Scout Cookie campaign. They learn marketing, location scouting, accounting, and customer service.

As a parent who wants to make sure her daughter has the best advantage in life I encourage you to consider Girl Scouts. The friendships, the skills, and the entire experience will make all the difference in their lives.

If you live in the Atlanta area, the Greater Atlanta Girl Scouts’ enrollment campaign is open now. JoinGirlScoutsATL.com. When she’s a Girl Scout, she’s also a G.I.R.L.: Go-getter, Innovator, Risk-taker, Leader.