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.

Here’s why we all need a Beth Pearson in our lives

I just got finished watching the 16th episode of This Is Us. I purposely missed the day it initially aired because I prefer to watch really good shows with little to no commercials.

Episode 16 named ‘Memphis’, opens up with Randall’s wife, Beth, going to bat for him after he had another anxiety attack. Randall is an extremely smart and successful stock and options trader (I think!) at a financial firm.The pressure of handling new and old accounts, having his biological (terminally ill) father come back into his life while maintaining the natural order of his life and home, the pressure has got to him yet again.

Susan Kelechi Watson’s plays Beth Pearson and I over love her character. My mom doesn’t, but I do. She thinks she’s a little stubborn. lol To me, Beth represents all of the strong women who doesn’t take no sh*t from no one – not even her mother in law.

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For so long society has painted women like her as difficult and tough to deal with. Because “wifey” has to have a la, la, la attitude, be aesthetically perfect and willing to perform any and every sexual act you prefer with the hopes you’ll stick around or never think of touching another woman. Because men will be men, right? *insert the emotionless emoji here

If you’re really watching, This Is Us reveals time and time again why Beth’s immovable force of an attitude serves a HUGE purpose. Not only to Randall but to everyone.

Although we all need a friend like Beth Pearson in our corner, I’m really speaking to the men on this one. So fellas, here’s why you should want someone like Beth Pearson as a wife.

(Be warned. If you haven’t watched a lick of this show, some of what I’m saying will probably fly over your head considering that fact that I will be sharing play-by-play examples to support this specific post.)

Alright, here goes!

  • You’re protected, even when you fail to protect yourself

When Randall brought his biological father to his home, Beth didn’t waste any time to figure out if William, Randall’s father, was taking advantage of her husband. She didn’t beat around the bush either. She’s a straight shooter. No bird’s getting by her!When you have the world on your shoulders, you not going to need a partner who’ll fold when you do.

When you have the world on your shoulders, you not going to need a partner who’ll fold when you do.

  • She’ll raise some amazing women

This is a no brainer. We all know that little girls reflect their mother and little boys (when older) will seek to find a woman who reflects his mother.

While Randall deals with the gravity of his father dying, Beth understands that she doesn’t have to only be strong for her husband, but she has to get her daughters through this pivotal moment too.

When you don’t get it right, she will.

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  • She’s Balanced

Although a bit abrasive (without emasculation) in order to protect Randall, Beth is also clearly funny, soft, and extremely supportive. The counsel that gives Randall is astonishingly jarring in the most intimate way. It’s sweet, sound, and aggressive – when necessary. It’s interesting to watch Randall consistently approach his wife in the most vulnerable and child-like way. Randall’s character defies the male stereotype, for sure.

(It’s interesting and very touching to watch Randall consistently approach his wife in the most vulnerable and child-like way. Randall’s character defies the male stereotype, for sure.)

Appreciate a woman who can pretty much do it all. Her power should not intimidate you but empower and excite you.

I’m writing this because I want every woman who does not budge at b*tchness and who is unapologetic at being the bad guy for the protection of their own, to be proud. Know that you are the foundation of any and every empire ever built.

Never allow yourself to accept the negative stigma given by society because your way of caring doesn’t fit the societal standards of what a woman, wife, and mother should be.

Without hesitation, continue raising hell for those you love.

Xoxo.

 

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

When you have, give!

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And on this Saturday, I just wanted to sleep in! But, today had other plans…

Some people knew, but I have been in the middle of selling some property. I’m back in Florida for a few weeks and I wanted to quickly wrap up what I needed to and leave.
In regards to the property I was adamant on selling, I attempted to rent that specific home on two separate occasions. I tried to help a few people in doing so and ended up on the back end BOTH times. I was, and in some way I still am, over it! I was in that ‘if you can’t come with it, I don’t want to hear’ it mode.
Late last night I get a phone call. It’s my mom (she’s ALWAYS trying to help somebody – God bless her heart) and she tells me of yet another person who needs help. I say my peace and get off the phone. About an hour later, it’s late now, I get a phone call from a strange number. Normally I don’t pick up, but this time I did. It’s the woman my mom was talking about. We talk and I agree to meet her at one of my properties today at 10:30 am.
10:18 am I’m still in bed. I was kinda praying she canceled because I wanted to sleep in so bad, but I called her and she said her GPS had her scheduled for exactly 10:30 am. Me: Uhhhhhhhh! I hop out of bed, brush my teeth, wash my face, threw on some workout clothes and sprung out the door. Thank God I was only 10 minutes away.
After showing her the house I lay it to her straight. Again, I’m over it. I don’t want no hemming and hawing. Seriously!
We talk for a bit and come to a decision. Here’s how the final decision came about.
The woman I met with today, her name is Jo. Jo has four kids. She’s basically homeless and she’s trying to get away (pending a divorce) from her abusive husband. She looked at me and said, “It took courage to say enough is enough after 15 years of abuse, it took courage to start my career, and it took a helluva lot of courage to even leave! I believe what you think about, you bring about, and when your mom came to me with this…”  I intercepted right there and said ‘okay, let’s work this out’ because now she’s speaking my language.
After going over some numbers and dates, we wrapped things up. I congratulated her for taking a leap (especially from getting away from her wack ass husband), I encouraged her to continue following the path she was on, and we went our separate ways.
Before locking up the house and hopping in my car to proceed forth with my day, I came to this realization.
When you have, no matter how many times you’ve been burned, it’s up to you to give or at least offer. Leaders and providers sometimes forget their positions. Coming in we knew the cross it took to bear to get here, but when we do get here we sometimes forget the other sacrifices that pop up along the way.
I don’t want to ever get caught up in my own “stuff” that I forget to give – especially when I’m in a position to give.
It’s simple. When you get, give. There’s nothing you’ll ever lose that you won’t receive back IN ABUNDANCE. 
I was a little grumpy this morning because I’ve been running like a road runner this whole week. But, I Am thankful for this little reminder and I felt the need to share.
We are all abundant in different ways. Never ever forget to PAY IT FORWARD!
Xoxo
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A Universal Reminder

“Thrust in thy sickle, and reap; for the time is come for thee to reap; for the harvest of the earth is ripe.”
– Revelations 14:15

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“All is yours. Do not go seeking for that which you are. Appropriate it, claim it, assume it.” – Neville Goddard; The Power of Awareness

Time and time again I Am reminded that the true essence of who I Am has to be unlocked by my own imagination and by the capacity of which my mind can contain.

Therefore, if I allow my feelings and emotions to wander aimlessly upon the temperature of my environment (a current situation or circumstance), I Am actively creating an image (a world) that I DO NOT WANT.

Take it from me, no matter what, only inhabit the emotions and feelings you desire. Because you will reap what you sow, especially in this heavily saturated time of manifestation.

Every day we are responsible for the ripple effects that occur in our lives. Every joyous and painful experience we encounter, we are the root cause.

We are our wildest dreams! In the good times and the bad times. We are manifesting each moment by the way we feel.

In the good times and the bad times. We are manifesting each moment by the way we feel.

Energy attracts. Your emotions are energetic and therefore it’s (you are) attracting (forming) the life you’re living and will ultimately live.

Take control and master the very thing that is unfolding your life.

Peace x Blessings.

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Pastor O. Jermaine Simmons, give him a break?

I want to first caution my readers and let you all know that this post is outside of the norm of what I would normally write. This story has been floating around the internet and I was waiting for it to pass, but I woke up this morning (after seeing yet another article) and I felt I needed to comment. “They” will NOT let it rest.

Pastor O. J. Simmons.

For those who don’t live in Florida, or anywhere nearby (perhaps you’re in a different country), Pastor Simmons is a pastor (duh) in Tallahassee, FL serving one of the largest congregations in Tallahassee. He’s pretty popular and well-known in the area, if not Florida as a whole.

I was never a member of his church. Although he is a great pastor, his church was never my style, much like Bethel Baptist (another well-known church in the area). I only interacted with his church for a few non-profit initiatives. To me, it seemed that he is, exactly who he presents himself to be and even after this situation, I still don’t doubt that.

For those who do not know him, never been to Tallahassee, or in the U.S., you must be asking why am I telling you any of this. Before I write what happened, I’ll drop a picture of the headline that has been circulating the internet below. Feel free to do your own research.

Popular Florida Pastor Is Allegedly CAUGHT IN BED . . . With WIFE Of A Church Member . . . And Is Nearly SHOT!! (Read The Shocking POLICE REPORT)

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Pretty bad, huh? The comments and opinions are worse! If you seen the movie Friday, life definitely imitated art for sure! Again, feel free to do your own research.

Here’s why I’m publicly formulating an opinion.

My Daddy was a pastor since I was 9 years old and he’s been on his Jesus mission since he was 18– I think even younger than that. So, you can imagine that I came up in Christianity (religion) OUT THE WOMB.

But anyhow, the moment I seen the headlines and figured out it was Pastor Simmons, disappointment rang in my spirit. Beyond that, empathy rang louder. Why? How?

Again, I came up in Christianity out the womb and I can tell you right now, that shit ain’t easy. I was as straight-laced as they come and they still talked about me. Still do…

Being a leader in a church, leading people who, although they respect you and your gift, they’re also waiting for something to go wrong and wondering what the hell is going on in your home, your bed, and in your pockets. I KNOW! I’m not speaking against the church, but I know enough to know… I lived it and am still slightly living in it because I’m still referred to as Pastor Lee’s daughter.

Whether you like my opinion to empathize with Pastor Simmons or not, I cannot participate in verbally burying Pastor Simmons.

“Be Impeccable With Your Word Speak with integrity. Say only what you mean. Avoid using the word to speak against yourself or to gossip about others.”

From The Four Agreements it says to Be Impeccable With Your Words. As a leader and someone who promotes and lives for inspiring others, walking them through any and every situation with my words, with Pastor Simmons I hope people can

Again, you DO NOT HAVE TO AGREE WITH ME. I can empathize consciously because I’ve been places high in the church and low outside of the church. People talk anyway.

I also know that some people are just called to have a bigger platform to serve others, mistake or not, he’s gift is STILL his gift.

P.S. Because I know some of you need to hear me say, he WAS WRONG! But the truth is, I empathize with Pastor Simmons. He addressed his congregation immediately the Sunday following. I say let the man and his congregation deal and move on. Mistakes happen in your home and my own on a daily basis. Lucky for you and I, we don’t have Pastor Simmons platform.

 

There is no spoon…

The Matrix is one of my favorite movies. I can watch it a million times and get something new from it.

As I was watching The Matrix a couple of weeks ago, this is what sprang to mind:

In order to receive what you want out of life, YOU must adjust to any and every situation, person, and/or circumstance you’ll encounter on your way to achieving your dream. It will not adjust to you.

Remember, it’s YOU WHO WANT IT.

“It is not the spoon that bends, it’s you.”

Adjusting is the process. A process that most quit because of their failure to adjust.

They became their own resistance.

Much like Neo in the movie, most people have a hard time letting go of their old life (who they are without what they’re asking for), instead of surrendering (adjusting) to who they need to become to have and maintain what they’re asking for.

Xoxo

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P.S. The scene where Neo goes to visit the Oracle is my all time favorite. That scene and the one where Neo no longer seeks for validation that he is indeed The One towards the end. Have you seen this movie? If you have, what’s your favorite scene?

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!