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How to Save $1000 fast for Your Emergency Fund


What is an emergency fund?

An emergency fund, also known as contingency fund, is a personal budget set aside as a financial safety net for future mishaps or unexpected expenses. (Wikipedia) 

I wrote this post in 2016 and had to reshare again with a few updates! I still feel that having an emergency fund is crucial and will also serve as an investment for your future.


As mentioned in a previous post, my husband and I took the Financial Peace University course online. One of the first items Dave Ramsey recommends is to as quickly as possible save $1000 for emergencies. Most emergencies are under that amount but we reach for our credit card and then our balance continues to grow. If we keep reaching for our credit card, we will never get out of debt. So, by having this emergency fund, we can have some security to be able to pay a doctor bill or an auto repair we didn’t expect without going more in debt.

To build this emergency fund, Dave...

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3 Things to Know Before Starting a Business


Most of y’all know, I have been a business owner for 20+ years. A lot has changed since my husband and I first started our business: marketing via social media, having an online website, making connections via online not in person, etc! But at the same time, several things have not changed. That's why today I am going to share about three things I wish I had known before starting a business - and these three things still hold true 20+ years later and will hold true forever. 

Things I Wish I Knew Before I Started My Business



  • Things will not go as planned, it is okay.


As a new business owner it is very likely that you will make a list of goals or make your own plans for your business. These will serve as a guide for your business to be successful. But what happens if what you’ve planned fails or worse never comes to fruition? Do you just give up all your hopes and dreams for your business? Well, I’m here to tell you that it is perfectly...

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How to Become Debt Free: My Personal Tips and Advice for Debt Free Living


What is it like to be debt free? I’m sharing my own journey on how I became debt free and how it totally changed me and my family’s life.

In 1996, we started our first business. I was 22 and my husband was 24. My husband and I were both working full-time and part-time in our business. In 1999, my husband left working for someone else and went full-time in our business. When our daughter turned 11 months old in 2000, I left my full-time corporate job. I remember telling my husband we had to be on a strict budget. But the truth was, I really didn't know how to budget. I would only pay us what we needed to pay our monthly bills and whenever I started with the budget I would pull all the bills out and then I would pay us, but at the end of the month we would always be short. I couldn't figure out why we were always short.

It wasn’t until 2015, that I learned how to budget. In 2012, I started hearing about “Dave Ramsey's Financial Peace”...

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3 Tips for Starting a Personal Budget


Are you wondering how you are going to pay your bills? Has the thought crossed your mind if you have enough to DoorDash supper or if you need to eat at home? Or even the scary thought, if you will be able to have enough to make it to your next payday? Or are you making enough but you have no idea where your money is going each month? If any of these apply to you, than you need a budget!


Before I get any farther, a budget does not mean you are poor. It does not mean you are dumb or stupid. A famous person once said, "A budget is more than just a series of numbers on a page; it is an embodiment of our values.” Budgeting creates and gives you freedom!


If you are ready to start a budget, then keep reading! I have listed below the first three things to do when you are ready to start a personal budget! And if you have a business budget - I would encourage you to start with your personal budget and then transferring what you learn over to your business!



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