Credit Smart

credit smart

5 ways to be smart with credit

As you may or may not know, I’m a recovering shopaholic. Therefore, being credit smart is a serious step in my recovery. It’s very easy to misuse credit and get into debt. I feel like credit is like gaining weight. It’s very easy to gain weight but it’s very hard to lose it. If you’re not credit smart then it’s easy to get into debt but hell to get out.

Here are some tips…


Emergency Fund

single mom emergency fund

Single Mother’s emergency fund

Building an emergency fund when you’re a couple is hard but when you’re a single mother it’s seems nearly impossible. The fact that you must juggle multiple life problems daily doesn’t make matters easy. Paying your bills on time, paying for things for your kid (s) or just trying to keep your head above water; may make an emergency fund seem impossible to build.

Note that I said seems impossible. It’s not that hard if you build…



Organize your money

Getting Financially Organized 10 Steps

1. Gather all your paperwork.
Pick up an accordion folder at the Dollar store or Dollar Tree (Legal Size). Create a tab for each of the following:

• Chequing accounts
• Savings accounts (if you don’t have one get one, it’s free)
• Credit card accounts
• Loans (Student loans included)
• Personal lines of credit
• Rent or Mortgage (keep all you rent receipt and your least agreement)
• Insurance: life, disability, health, critical illness, home, car
• Tax returns (keep…


Stress Management Tool

stress management tool

Importance squares

I would like to start this blog with the following disclaimer: I did not invent this idea nor is it a new concept. I’m not even sure that “importance squares” is the right name for it but I do live by the idea. Since, this as helped me numerous time when I couldn’t sleep nor focus without stressing out about life’s problems; the squares were a life saver. Therefore, I made the decision to share it with you…


Debt Free and Saving Challenge

Debt Free and Savings Challenge

Within 1 Year 2017-2018 Challenge

Paying off my debts was not the easiest think to do.  I must admit that for a while debt and saving was not a priority. If it wasn’t for my home ownership dream, I probably would have never paid it all off. But when it was time for me to move on to the next level my debt got in the way of my dreams.

I was not born a saver, spending wasn’t in my DNA….


Buying My First Home

single mother buying first home

How I bought my first home

Some would say that it is impossible to be buying my first home when living on one income. They would be wrong. I’m proof that it doesn’t matter how much money you make, when you have the dream of home ownership anything this possible.

I’m a young single mother who bought my first house at age 24. I was making at the time 25K a year. My first time going to bank was very…