Your New Adventure Awaits!

Happy New Year, New Year Planning

Image can be found at New Years Party on Pinterest.

Screw the resolutions, ladies!  Your new adventure awaits.  A year full of all you desire to create.  Adventure and travel, spreading love, joy and fun, developing new tastes, hobbies.  All you need is your imagination, action and who knows what you can accomplish?  I so look forward to this time of year.  Gratitude for the year that has gone by and all that I have to look forward to.  Wanna play with me?

Pick a time by the end of Jan 1st 2018.  Grab your laptop or a gorgeous writing pad and pen.  Light candles, sip on your favorite cocktail, cozy up in your favorite lingerie and softest blankets.  And REVEL.  REVEL in the brilliance of your past year.  How clever you are and all that you are grateful for.  Write it down to admire.  Now and when you don’t feel so clever.  Then…let your imagination run wild.  What would you love to accomplish and enjoy next year?  Write everything down, from the tiniest desire to the grandest.  Savor the thought of each one.  Post it where you can see it.  Fall asleep dreaming about them!

Then…develop an action plan for them.  Some will be easier than others…some will take more planning.  Some may be outrageous.  No matter.  Your desires and creations will fuel you through good, bad and routine.  Just start.  Write, admire and plan.  Oh…and please share.  SHARE.  Your creativity will inspire us all!  Have the happiest next few days planning your most incredible New Years EVER!

Love, Goddess

© S Stevens Life Strategies

Happiest Happy EVER

Image result for candles snow public domain images

Gorgeous candle image found at  Free Stock Photo

Wishing everyone and those you love the happiest…

Sassiest…

Warmest…

Loving…

Healthiest…

Holiday Season and….New Year!  Love, Goddess

 

© S Stevens Life Strategies

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

Bitch Lifestyle Home

© S Stevens Life Strategies

Do You Enable or Empower Those You Love?

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                                          Alexis Colby.  Bad Ass. Quote from:  Ginger Rogers Quote Pinterest.

Do you enable or empower those you love?

From Meriam-Webster:

Enable:  to provide with the means or opportunity

Empower:  to promote the self-actualization or influence of

Upon reading both these definitions in the Meriam online…I realized that both words were quite similar. One however, “enable” didn’t require any follow through.  Enabling seems like love but it’s not.  It weakens the person that you think you are helping.  How does it weaken?  No consequences attached.  For example, a client of mine knew she was enabling her father.  She knew she had to stop.  She just couldn’t put the words and actions together so she could stop.  She wanted help from me to effectively do that.  Here is the scenario:

Justine’s 87 year old father is living on social security and recently moved in with her.  Part of the reason he moved in with Justine is because a young woman was taking his social security money from him every month.  Justine’s father would just give it to her without consequences.  He didn’t require proof that she was doing what she said she would with the money.  Nothing.  Zilch.  This young woman was okay leaving him with nothing to live on!  He told Justine he would stop.  Three months after moving in, Justine found her father was still giving this young woman his social security money.

Unbelievable.

Justine’s father was enabling this young chick by letting her take advantage of him.  What was the incentive for her to take care of herself if she didn’t have to pay back her “Daddy?” Zero. Justine would be enabling her father to continue this behavior if she didn’t find a way to stop him.  Here is how we solved the problem.  I told her exactly what to do:

  1.  Justine was to tell her father that his “rent” was to never pay that chick one red cent again.  Ever.
  2.  Justine and her husband were to go and have a little chat with the chick.  It was not to happen again and if it did they would have her arrested.

Would the young chick be empowered by this?  Probably not. Not Justine’s problem. Justine had to focus on how this would help her father.  Would he be empowered?  Hopefully.  At least he would be able to spend his money! Justine would definitely be empowered because she wasn’t allowing anyone to hurt her father.  Just sitting by while these things happen to those you love is not helping them.  Sometimes you have to fight for those you love.  That is one of the many ways to truly be there for someone.  By fighting for them when they are unable.

Justine’s father is doing much better.  He’s not giving the young chick money anymore and she, of course, has disappeared.  Justine’s father is a little lonely (Justine’s mother died a few years ago) but is enjoying his grand kids and new family life.  Justine wanted to share this story here because she was relieved when she stopped enabling her father.  Thank you Justine!  You’re strength is an inspiration to us all.

So beauties…how about it?  Are you enabling anyone you love in your life?  Are you being too nicey-nice when you should be kicking someone in the butt?  Assess and address.  And here is the biggest question of all.  Do you enable or empower YOURSELF?   Yes.  We will address and asses…in the very next post.   Love, Goddess

Suggested Reading:

  1.   Are We Losing the Bottom Line? 
  2.   How to Win an Argument with a Man
  3.   Bitch Lifestyle the Manual

© S Stevens Life Strategies