Financially Enabled or Empowered?

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                                 Awesome image from Anne Taintor on Pinterest

Are you Financially Enabled or Empowered?  If you haven’t read my last post about these two rather powerful words Do You Empower or Enable Those You Love?  it will be helpful to read that first.  Then meet me back here for your ” assessment.” So in the name of making finances fun, here is your “Sassy Financial Bitch” quickie quiz:

Please check all that apply:

  1.   I am debt free.
  2.   I am actively saving 15% or more of my income.
  3.   I use my debit card instead of my credit card.  When I use my debit card it is for budgeted items.
  4.   I have a budget and stick with it.
  5.   I have a plan for my future:  Specific goals and a time table for completion.
  6.   I’ve tried to budget, but, like stuff happens.  Like Christmas and people’s birthdays.
  7.   I never save for stuff.  I just buy it.
  8.   I have boxes of stuff like make-up and body care that I never use or have never even opened.
  9.  Instead of going to a higher education institution I can afford, I took out a student loan and now I owe  $87,000 and my husband owes $50,000.
  10.   I make $200,000 a year and am in debt.

Okay…it’s pretty obvious which check offs are more empowering, right?  And before you scoff at the “I make $200,000 and I’m in debt” scenario I recently talked to a lady who was in just that situation.  She was making all this money but had no idea how to budget.  She was overwhelmed and a little ashamed at her lack of financial acumen. One of the most empowering things you can do for yourself is take care of yourself financially.  Before I give you a great source for financial advice here are a few research items that surprised me and that may surprise you:

  • 76% of Americans live paycheck to paycheck.
  • Student loan debt is at a ridiculous level.
  • 90% of us buy things we can’t afford.

Yeah…that last one was me in the past.  I used to have debt and was having a love affair with my credit card.  I found something that worked for me and it can work for you.  A financial success system I started to listen to on the radio. I’m not making any money off this recommendation.  Just playing it forward.  I did the work and so can YOU.  How I succeeded was by listening to Mr. Dave Ramsey.  He has a radio show, pod cast and website with everything you need to succeed.  You don’t have to spend a dime.  You can if you want to, but I didn’t.  You can start empowering your financial life by clicking on this link:  Dave Ramsey.  So what are the benefits to you?

  • You will have immediate access to pod casts that will inspire you.  It may make you feel better about your situation because of the many people in worse financial trouble than you.
  • Budgeting tools.
  • Investing tool that will show you how much you could have when you retire.
  • Articles, sources and more.
  • 7 Baby Steps to Success.  I am happily on #4!

There is even a section for women who want to start their own businesses.  Love.  So please visit this great source for all things financial.  It empowered me and I desire the same for YOU.  Love, Goddess

Helpful Financial Resources:

The Total Money Make Over:  Dave Ramsey

Overcoming Underearning:  Barbara Stanny

Secrets of the Millionaire Mind:  T. Harv Eker

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