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.

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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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.

 

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’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!

Supermoon Serendipity

Guys and gals,

I wanted to pop in and give you some jewels as we experience this Taurus full moon. Just to catch you all up to speed, I recently lost my father to cancer on the 22nd of October. Just paying attention to the immense shift that is happening all around, I would be lying if I didn’t think my dad passing away was going to happen. Writing and sharing this doesn’t make it any easier, however I can control only what I can control and I therefore release the want and need to have him back, physically.

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I’m going to make this quick. In an hour or so, I will be writing down the things that I have been holding on to and need to let go of. Just as a snake sheds its skin, so should we shed and release habits and rituals that hold us back from what we desire.

What do you desire?

What do you wish to see?

This is the time where we’ll begin to see the fruits of our labor. 2+10+1+6= 9. Completion. Death. Rebirth.

A new dynamic has been set before us. Hone in onto the changes and grab control of the reigns of your life.

Push<>Pull. It’s continuously happening.

Reflect.

Release.

Reset.

A wise woman once said, “God speaks to us by the way we hear.” Clear  your space so you can hear better.

Happy super FULL moon!

Tending To Your Garden

A lot of what I do is watch and wait. It’s literally as synonymous to a stake-out. I watch activity and report new findings. Then, if necessary, I go in for the kill if I find something good.

As exciting as that is, some days the waiting can be a little blah. Waiting for something to happen, wanting something to happen, and if you’re not careful, you end up be the one making something happen. Although I love taking risks, you almost never want to do that. You’re on stake-out, remember? Don’t blow your cover! Unseen/unheard.

Today is one of those days to watch and wait. Therefore, I’m going to let you in on a book that I’ve been reading. Metaphorically, this book directly aligns with how I apply my professional and personal life philosophies.Snapchat-606982076463118480-1

The book that I’m reading is, “Being There” by Jerzy Kosinki. This book is about a simple gardener named Chauncey. He never learned to read and right but found himself in the company of some prominent people like the President of  United States, the Financial Institute and of America, and more.

Addressing the President, Chauncey said, “In a garden, growth has its season. There are spring and summer, but there are also fall and winter. And then spring and summer again. As long as the roots are not severed, all is well and all will be well.”

Because Chauncey is so simple and the garden happens to be all he knows, he relates everything he’s asked to how he managed and maintained his garden. It was his simple philosophy that gained him the company of the President, the Soviet Union, the Financial Institute and more.

In a garden, things grow…but first, they must wither; trees have to lose their leaves in order to put forth new leaves, and growth thicker and stronger and taller. Some trees die, but fresh saplings replace them. Gardens need lots of care. But if you love your garden, you don’t mind working in it, and waiting. Then in the proper season you will surely see it flourish.”-Chauncey; Being There

Did that move you? It’s so true, isn’t it?

There’s also a movie for the book. Of course books are always better, so I suggest reading the book first, but the choice is yours.

One of my favorite scenes happens to be the ending. Click the link below to view and tell me what you think.

Listen to the words.

Ending scene – Being There

There’s no accountant that can audit life in our favor…