Let’s jump back in, shall we?

Friends, followers and dedicated readers,

Happy Monday! It’s been awhile since I published a blog post and today, before I continued posting anywhere else, I told myself that I had to come check with my followers here. So, here I Am! ❤

Between having to squeeze content out to finish my book and having to deal with other personal and business related demands, these days I’m looking to only fill my time with things that are nurturing to my spiritual well-being. As a creative, it can get extremely exhausting when you’re constantly giving, giving, giving. When I pour out, I must engage in things and with people who pour back into me.

Here’s what I’ve noticed lately. Although I’m wedged and associated with many businesses and business related organizations and institutions, I really don’t care about any of it. That’s the thought that I had the other day. lol I care because I have something to give, but I’d rather be talking about something else. Something like sharing the techniques on how someone can become who they need to be to access the resources they desire. I’d rather discuss that instead of leading people to scour the earth for strategies on obtaining success (that is illusionary, by the way) by increasing their bank account. I’m not saying I have all the answers. But what I do know is, by applying practical skills and strategies to navigate through the everyday challenges in your life, you will undoubtably reach a personal success that will increase everything in your life, not just your wallet.

I think we make life harder than it actually is by believing that we need something outside of ourselves. That we are lacking something and if we get more money, a better car, or somehow bump into our soul mate while on the way to the grocery store, we’d finally be happy. That couldn’t be far more from the truth.

“There is no need to search; achievement leads to nowhere. It makes no difference at all, so just be happy now! Love is the only reality of the world, because it is all One, you see. And the only laws are paradox, humor and change. There is no problem, never was, and never will be. Release your struggle, let go of your mind, throw away your concerns, and relax into the world. No need to resist life, just do your best. Open your eyes and see that you are far more than you imagine. You are the world, you are the universe; you are yourself and everyone else, too! It’s all the marvelous Play of God. Wake up, regain your humor. Don’t worry, just be happy. You are already free!”
Dan Millman, Way of the Peaceful Warrior: A Book That Changes Lives

Xoxo,

Sarah

Happy Spring.

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Millennial Millionaire in the Making

I’m a 27-year old single gal with no kids. I casually date here and there and obsessively seek ways to better myself personally, mentally, spiritually, and financially. Sorry to break the news to ya, but we will not be talking about my dating life. It’s not up for discussion! lol What I will let you in on, however, is my finances.

When 2017 began I dedicated myself to actively build my wealth and track my finances. While I was sitting in my home office doing my accounting, I thought that I should share a few things that I’m currently doing to build wealth.

Most articles preach about credit card debt and impulse buying. I never had any credit card debt (only college debt), and if I’m going to the mall I’d more than likely come out with food before clothes. Many articles also talk about retirement as well. The thing is, the idea of saving for retirement is a little hard to wrap your mind around when you’re young. If you didn’t have parents who sat you down to explain it, it’ll be a little hard to convince anyone that starting now is the best thing you can do for yourself as a twenty-something year old. I’ll come back to saving for your retirement later, let’s move on for now.

There’s a saying that I repeat to my Facebook audience when I’m discussing money. That saying is, money disappears from those who has no plans on what to do with it. My point being, if you don’t have a plan for your money every 2 weeks when your paycheck hits your account, it will go quicker than you can sneeze.

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Here’s a scenario. Let’s say you’re someone like me. You don’t spend much on clothes or entertainment. You’re casually dating, and when I say casually dating, I don’t mean you’re out on dates a lot. I mean there maybe 1 or 2 people you’re interested in and you’ve both found other ways to enjoy each other’s company outside of spending a $100 each time you meet. PSA: Dating is also an expense!

Moving on… You work a regular 9-5, you make sure your bills are paid, and you’re always left with about 2-3 hundred dollars to spare. Not bad, but you can’t seem to build a reputable savings account. What can you do with what you have right now, to not only build a strong savings account but to also have a little play money on the side?

Let’s practically break this down.

Point #1 Track every dollar you spend

You know the 3-5 dollars that you spend on coffee every morning without thinking or the $1.50 burger you quickly pick up through the drive-through? Those few dollars are severely hitting your account more than any other $30-50 purchase (to splurge), although you tumblr_m5h1ywslUS1qcz4s2o1_400think you’re saving money by eating a $2 meal. In this case, it’s not about the amount. It’s about the fact that you’re blindly spending without thought or any real reason. The $50 facial and spa that you paid for because you had a rough couple weeks was thought about. You looked around and compared prices. You found a Groupon or asked a couple of friends to come with you for a group discount. Again, it’s less about the amount of money spent and more so about how you practice spending your money. It’s possible that your daily coffee and $2 meal purchases supersede your once in a blue moon $30-50 purchases. Let me tell you, $1.50 burgers add up! Track what you spend.

Point #2 Properly Save

Depending on how much you make, always put a percentage of your paycheck in a savings account. You should have a minimum of $1,000 in savings in case of emergency AT ALL TIMES. Make it clear to yourself that a saving account is for emergency purposes. It’s not extra money you have to spend. Never touch your savings, even if you really need it. Oh, and FYI, being short on your rent or phone bill is not an emergency. You can borrow $200 from a friend. Leave your savings alone! It’s for emergencies ONLY, nothing else.

(Some may say that rent is an emergency, I say NOT WHEN YOU HAVE A PLAN AND BUDGET it’s not.)

Point #3 Take care of your credit If you have student loans like me, start making minimum payments on it. You can make payments as low as $5 a month. Bank accounts as well. If you have money you owe, call them up and begin a payment plan. Even though you’re swimming in debt, proof that you’re paying it off ON TIME counts for something. If credit card debt is something you need to tackle, click

P.S. If credit card debt is something you need to tackle, click here.

Point #4 Retirement

Open an IRA, even if you have a retirement plan at work. Some may say, you’re not old today, why start now? Easy answer, whatever you put towards your retirement today can possibly double if not triple when you’re quote on quote old. More importantly, your contributions may be tax-deductible (depending on your income), but your eventual withdrawals will be treated as taxable income. Click here to read more. The earlier you start the better.

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Here’s what you can do RIGHT NOW!

Start with creating both a personal and operating monthly budget. Write down the prices of all of the things you need to be in tip-top shape every single day. You’re operating budget should list your monthly rent, car payment, phone bill, and health insurance etc. Your personal budget should entail things like hair, clothes, travel, and the cost for personal education (books, online classes) etc. The difference between your personal and operating budget is that one has a list of needs, the other wants. Once you’ve created both lists, you can accurately make decisions on what you can minimize in order to keep more money in your pocket.

Personal Budget Example: If you need a suit for a work trip go to Goodwill instead of buying a brand new suit. Besides, you should always have ONE tailored expensive suit in your closet. For the ladies, instead of buying hair and then paying someone to do it, either learn how to do it yourself or get creative with the hair on your head.

Operating Budget Example: Always, always be on the search for better deals! You can negotiate things like your health or car insurance. All you have to do is ask! Google for better prices, call up your provider and get to work. *Bonus: If you’re mainly using your phone for work, ask your job if they’ll pay for it or if you’re a business owner you can write off your bill.

Next Steps: Go to www.myra.gov and open an account to start saving for your retirement. It’s really easy to open up and all of the information as to how it works is there.

There you have it! That’s it for now. This is what I’m actively doing to build my wealth. I think I’m going to do a part 2 on how to increase your income without having to ask for a raise. Who knows? You may even get to hand in a 3 weeks notice. Stay tuned!

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Building wealth and making a comfortable income is not as hard as you think. I promise you, you don’t have to bust your ass to get the job done. It’s all about working smart and not hard!

Now that you have the information, apply it.

P.S. If you know of any other tips, please share! I’m always looking for better ways to save or to increase my income.

P.S.S. Check out Checkbook on Facebook for great times on how to save.

E N T R E P R E N E U R S H I P pt. 2

Leading on from my last post, the same inconvenience I mentioned continued. As Murphy’s law states, anything that can go wrong, will go wrong.

I guess sometimes we cannot stop chaos to exist.

This inconvenience (the disconnect with my phone) continued on so long that I officially shed the first tears of 2017 because of it. And it wasn’t that I felt sorry for myself, but it was frustrating as hell – especially when you do all that there is in your power to make sure you cover your ass in every single thing you do, facilitating personal and professional affairs. All in all, I believe all of this was a lesson that I’ve been taught and retaught (that’s not a word, but you get what I’m saying) a million times over.

Lesson: Let go of the things you cannot control!

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No doubt, I failed! I fought and fought and fought to have things bend my way and ultimately the cards fell right where they started. Nowhere. There are multiple other variables to this, but the overall premise is that those things did not matter.

I’m not at all a control freak. But as an entrepreneur, rule number one says you must cover your tail at all ends. You’re all you’ve got. 

I’ve spent years becoming and being over efficient in all that I do that, in the same breath my strength also became my weakness.

The universe, God, the holy one, whatever you call your spiritual teacher, knows best. And much like I continue to learn, even in the worst of the worst situations, you’re still being led to something you ultimately desire.

Surrender…

Xoxo

“Sometimes letting go is an act of far greater power than defending or hanging on.” – Eckhart Tolle

E N T R E P RE N U E R SH I P

Since Tuesday I have been without my phone. I’m not that tied to it personally, but when you’re an entrepreneur, of course, your phone is the source to just about everything!

Unfortunately, I don’t have the luxury of running to a store and getting it fixed due to the size of the company.

16508469_1804531623134262_4082912131221455155_nOne thing’s for sure, I can’t stand being inconvenienced. Especially when you do everything that’s possible to make sure things don’t go astray. Ugh!

This is the reality of entrepreneurship, however. You’re constantly inconvenienced (it seems) and guess who has to take care of everything? You!

Sometimes I have to slow down and remind myself that I’ll rather deal with the small technical stuff that may go wrong versus the strains of being an employee. But man, what a task to maintain a great attitude while in the middle of being hugely inconvenienced.

I really had to stop and bring some attention to the fact that I wasn’t practicing what I preach to you on my blog. Things was getting from bad to worse to point where I was like, “This has to be a test!16649503_1804541183133306_2778654732109956553_n

These are the times when I am reminded that no matter how advanced you are, or how prepared you think  you are, you’ll learn that there’s always something you need to work on. And most times, it’s something you’ve already learned.

Positivity is just like showering. You have to practice it every day. And once you’ve got it down, the universe is going to send someone close to you to confirm that you’ve got it down.

Neville Goddard’s book “The Power of Awareness”,  “What appears to you as circumstances, conditions and even material objects is really only the product of your own consciousness.”

I think someone should do a Real World: Entrepreneurship because the way people marvel over that word, in my head I’m just like, you have no idea what balances off having the “freedom of your time”.

Well, after multiple phone calls, unread text messages, and no way to get in contact with anyone, I’m taking a minute to slow down and readjust my attitude.

Thanks for listening…

Xoxo

The Fool & His Money Will Depart

Have you ever thought about what you’ll do if someone were to wire $600,000 into your bank account?

No? Okay. Let’s make this more realistic.

Say, $50,000… Do you know what you’ll do with $50,000?

Let me guess, you’ll pay off some debt, give some to your parents (buy them a house), and splurge a bit. I mean, it’s your money, right?

Well, here’s why you’ll lose that money quicker than you can say Sarah Lee.

Let me make this clear first.

There’s nothing wrong with doing any of the three things I mentioned above. Seriously!

Pay off your debt and please, give your mom and pop something, or you’re going to hell (that’s not in the holy book, but it should be!). I’m saying… 

But here’s the real reason why you’ll be among the plenty who’ve received a ton of cash and have nothing to show for it.

>>>P L A N N I N G!<<<

Have you written down what you’ll do with $10,000? How about $1,000? Better yet, a $100? 

Are you catching my drift? 

The money (receiving a ton of money) is not the issue. Not knowing what you’ll do with it is. 

Money without a plan has no value. 

Where there’s no order (a system where you can keep track of penny) it will go everywhere. Literally! Sooner or later you’ll be wondering where it went. #AFool&HisMoney #Exiting

So again, if someone wired $600,000 to your account right now, what would you do with it?

 

*That’s me telling you to get off your device and pick up a pen and paper and WRITE DOWN WHAT YOU’LL DO WITH EVERY PENNY! If you’re serious anyways.

 

Listen to me, because I know everybody is trying to be wealthy and retire early.

You must plan for a wealthy, successful, and prosperous life.

Because you’ll get the money, the perfect partner, and all the material success your money gives you access too; but, can you keep it?

Write out every detail (down to the last penny).

P.S. By doing so (writing out a plan of action, a POA) you’re signaling the universe to somehow make it possible for you to access that kinda money. By the time you do, you’ll be ready!

When you unintentionally tear up in Public…

I’m sitting here in public about to tear up. Make it stopppp! lol
 
To be a woman, an African-American one, with no background or tangible experience in the tech field, I am beyond the moon in gratitude that I am welcomed and rated.
 
I mean, I communicate with a ton of distinguished engineers and techies on a day-to-day basis. Like, they actually want to talk to me-me!
 

I will never forget what this guy (who built numerous apps) told me after I told him I went to school for the wrong thing. 
I was basically talking his ear off of about how envious I was that he had the ability and skill to take an idea on paper and build it as a tangible application.
He said, “We need you. For the engineers and app developers who know nothing about business, we need you.”
 
Listen…I’m so humbled! You do not know what it means to be a bridge to MANY BRILLIANT and talented young minds and ideas.
 
I have nothing but love and an obsession for technology and innovation. That’s it!
And as I sit here and interact with different software engineers, entrepreneurs and business owners in the tech field, agian, I’m just so grateful!
Man, oh man! I just needed to take a minute to share my gratitude and say THANK YOU!

When you’ve got it all, yet you’re still unhappy…

Let’s cut to the chase!

When your success is tied to achievements, guess what’s going to happen? Just guess.

Let’s use weight loss for an example. Here’s the conclusion from a woman’s perspective. You’re going to lose the weight, get a smaller waist, and a bigger butt and STILL feel as if you’re lacking something.

Listen…

If you’re working hard at something, you’re bound to get what you want. Here’s the thing, though. You’re going to get what you want and then sabotage it.

But why would you do that, right? Great question! Here’s why.

Deep down you already know that you’ve tied your success to something or someone who can eventually leave or be taken from you.

Therefore, before you lose something or before someone walks away from you, you’ll rid yourself of it to feel as if it was a decision you made ie. had control over. Either that or you’ll always be peaking around the corner. Looking for something “better”.

Now tell me, how many times have you done that?

No worries… I’ve done it too. The fear of losing something or having someone walk away from you is real.
Here’s the short answer to solving this very real issue, although it takes a looooong process to completely grasp.
You’ve gotta be happy and content with what you have NOW. Right now! Every roll, love handle etc. All of it!
Have goals and aspirations, yes. However, don’t let those goals and aspirations (“losing the weight”) make up who you are.
Never let it take the spotlight.
You are the star of the show.
Whether you lose the weight or not. #rememberthat
The same applied for relationships. It’s never them, IT’S YOU!

Here’s what I’ve learned from Sweet 2016 thus far.

2016 is quickly expiring. Here are TWO very prominent lessons that I’ve learned/relearned in 2016 thus far.
 
I, for the most part, have always been a pretty tough cookie. That doesn’t mean I don’t cry, love hard, or get angry. It actually means the opposite.
 
If I love you, I’d kill for you. 
If I cry, it’ll be hard for me to stop. So, I try not too. In public anyways…
If I get angry, lets just say I have a future and I’m not a fool. I don’t like the feeling and quite frankly, I don’t have the energy to waste. I’ll take exit door #1.
Anyhow…
 
Lesson Numero Uno:
This lesson validates what I just told you above. I put NOTHING…not my future, my heart, or my well-being in another woman or man’s hand. Not ONE thing. All weight is on me!
Now this is not to say that I do not HOPE the people who care about me and are in my corner are not going to be cheering for me along way, providing the things I need when needed. Dammit I hope so! I’ve created a pretty powerful network for that exact purpose. My future is a collective effort. I Am, we are.
However, I CANNOT put that weight or expectation on them. I can’t! Because they couldn’t possibly know and understand FULLY my emotions and burning passion towards my future. But someone does. Me!
 
Lesson Numero Dos:
Any and every obstacle, circumstance, or situation that is diverting me from my plans, is carefully courting me towards my ultimate plan. Therefore, instead of wasting precious energy on wondering what the heck is going on I sit, wait, and flow with the new course I’m being sent towards.
Now, this is NEVER easy as the situation is in progress but I swear to you. If you take a minute to BE STILL and ask yourself, “What do I need to learn?” You will get your answer. Guaranteed!
Let disruptions happen. Sometimes we need to be interrupted in the most annoying ways for us to get the ultimate picture. Just don’t get in your own way throughout the process. Trust and believe that what every is happening is happening for and never against you.
Well…there you have it! The two most prominent lessons that I’ve learned/relearned in 2016 thus far.
Now share with me. What have you learned in 2016?

The little girl inside me is dancing!

Hear me.
 
I just received some crazy confirmations about things I’ve never quite expressed to anyone in detail. Things that are tied to my heart like my unborn children.
 
Listen…
 
Whatever you believe in your heart to be true about the direction of your life, TRUST IT.
 
Never allow anything external (family, friends, life events and/or circumstances) to change the perspective on what you believe is MOST true for you.
 
Whether it’s understood by others or not, trust!
 
YOU know the desires of your heart. YOU know the deepest expression of what makes your heart sing. You know!
 
Never let anyone deny you of that truth.
 
As cliché as it sounds, follow your heart. Follow it! It’ll be and has been your saving grace.
 
Be blinded by the standards and terms of the outside and hold onto what you know is for you.
 
Stay tuned.
P.S. I just had a birthday! Happy birthday to all of my Libras and to those who share a birthday on the 2nd of October with me.
Peace x blessings!

Tune in and go get it!

Remember: You can ONLY attract to you the qualities in which you posses.

Therefore whatever you resist, you are drawing to you. Resistance is fear. What you fear, you are or will become.

The time you spend thinking, feeling, or outwardly acting and expressing yourself about the things you don’t want, is attracting and manifesting what you’re spending time on in abundance.

Do you see how YOU DESIGN YOUR OWN LIFE?

Let go of the things you don’t want and pick up the things you get.

Get AWAY from the people you do not desire to be and GET AROUND those that you do.

MOVE to the place you want to live.

LOVE the person you want without trying to match everything up.

GO after the things, unicorns, and aspirations you deem impossible.

More (magic) is what you’ll get. ABUNDANCE.

Just DO IT!

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