Posted in Building Wealth, Debt Free, Financial Freedom, Winning with Your Money, You and Your Money

I’ve Fallen and I Can’t Get Up

We all have seen or heard this saying before.  Every time I hear it, I picture the elderly lady laying on the floor, alone and helpless.  Until she hits the button and asks for help.  Do you feel like you have fallen and can’t get up?  Do you think you’ve made mistakes in your finances, your career, your relationships, and your life that are so big, you are stuck where you are?

That is simply not true.

Yesterday, like most Sundays, I was sitting around in my pjs, relaxing and watching football.  I happen to be watching the Washington vs. Atlanta game since my Eagles had a bye week.  For the last several years, Atlanta has made it to the post season.  They have been one of the top teams.  However, this year, just a few weeks ago, they found themselves with a record of 1-4.  This record is not good when you have Super Bowl dreams.  Basically, the Falcons had fallen.  And the question everyone was asking was would they get up.

The team answered that question with a resounding “Yes!”.

The announcers were talking about what Coach Quinn had done to rally his team out of their slump.  They talked about how members on the team stepped up and said this is not okay.  They begin making changes – what they had been doing wasn’t working.  They came up with a new plan, a new way and in the process, found success.  Their record after this week is 4-4 – they beat Washington (who is leading their division).  And Julio Jones, one of their key receivers, made a touchdown after 343 days.

So what can we take from all this jibber jabber?  We all fall – even the best fall.  The key to success and winning is whether you decide you get up or keep laying there.  When the lady fell, she reached out for help.  When Atlanta fell, they developed a new plan.

So back to the questions I asked in the beginning – have you fallen?  What are you going to do about it?  Are you going to get up or just lie there?  Are you going to develop a new plan or just keep doing the same thing over and over?  Are you going to ask for help or just stay where you are?

The decision is yours to make.  When I found myself over $200,000 in debt, a single mom, making $10,000 a year, I had these same choices.  I decided to get up.  I decided to develop a new game plan.  I decided to ask for help.  And in doing so, I found success.  Now, what are you going to do?

If you need to press the help button, simply click here and reach out to Debbi and her team.  They have developed products, books and services to serve you anyway that they can.  Personal finance is personal and Debbi and her team are here to meet you where you are and help you reach all of your goals and dreams!

Posted in Building Wealth, Credit Cards, Debt Free, Saving for Your Future, Winning with Your Money

Are You Really Ready?


This weekend, to spite the controversy, the Super Bowl will be played – the biggest football game of the year.  The most asked question by reporters, coaches, captains, and friends will be “Are you ready?”  And you will not hear one player answer no.  They have been dreaming of this game their entire lives.  They have trained for this game.  It all comes down to this weekend.

But what happens if a player thinks he is ready but he really isn’t.  What if he has let the controversy cloud his mind?  What if he begins to doubt his abilities?  Or what if he gets a little too full of himself?  What will happen then?  Well the odds are he will not have a great game.  And the fact that he really isn’t ready might affect his dream and the dreams of all his teammates.

Many people have the dream to reach financial freedom by getting out of debt and saving money.  But the reality of whether or not you reach that dream is if you are truly ready.  I never wanted to have the financial stress that I had many years ago.  I didn’t wish for it – it wasn’t the story I told when asked “Where do you see yourself in 5 years?”  However, due to poor decisions, bad money habits, impatience and so much more, it became my reality.  Every time I went to the mailbox, every time the phone rang, every time I was stressed out about money, I thought “I have had enough.  I am going to change my situation”.  But the truth was, it would never change until I was really ready.

Really ready means that you will do anything to make it happen.  Do you think the football players just said “I want to go to the Super Bowl” and it just happened.  No – they had to work and work very hard, and sacrifice to make it happen.  And this is what you will need to do if you are looking to get out of debt and reach financial freedom.

The good news is this – the decision is 100% yours.  You don’t have to wait on anyone or anything to make your dream a reality.  You just have to be ready – I mean really ready!

**Buy the award-winning book “The ABC’s of Personal Finance” or “26 Weeks to Wealth and Financial Freedom” on Amazon today in paperback or e-book format.