Some Totally Amazing and Mind-blowing Facts About Money


Okay so I am dedicating myself to focusing more on money and building wealth with this website because honestly, that’s what people want to know. But even though people want to know that, they still have to grasp the basics which are budgeting, setting goals and understanding their own spending habits.

I’m not here to talk about that though. Here are some rather eye-opening facts about money though:

According to the National Resources Defense Council, Americans waste $165 billion annually by tossing away unwanted snacks and meals. The math works out to approximately $529 per person each year.

Solution: Plan meals. Freeze leftovers and share with those less fortunate. Waste is something we don’t have the luxury of in a country where so many people go to bed hungry on a daily basis.

It turns out, that by one estimate, $41 billion worth of gift cards went unredeemed from 2005 to 2011. In 2012, TowerGroup, a research organization, cited that approximately $2 billion worth of gift cards would go unredeemed that year as well.

Solution: Create a universal wish list of items that you need so that once you receive a gift card you can IMMEDIATELY put it to use. Also remember that even though many gift cards go unused every years, some gift cards (depending on the retailer) decrease the amount little by little when they aren’t used immediately. You want to make sure that you get your FULL money’s worth.

Every year, the average American spends $1,200 on fast food. A OnePoll 2014 survey of 1,000 adults revealed that Americans eat fast food on average twice a week, spending $12.50 on each meal. Equally revealing is that burgers, fried chicken and pizza are ordered the most, and about half of Americans consume soda every day.

Solution: If you MUST eat fast food, limit it to once or maybe twice a month. Create a budget and allot a certain amount for fast food consumption. Many people opt for fast food to avoid the preparation of meals. Start pre-prepping meals to save time and pay yourself what you’d pay the fast food chains.

Candy Crush Saga players still spent over $1.3 billion on the game in 2014 alone, according to The Guardian, with dollars being used towards in-app purchases such as extra lives, extra moves, color bombs, lollipop hammers and gold bars.

Solution: Uninstall anything that makes you go off your budget or stands in the way of you reaching your dreams and goals. At $1.3 billion dollar a year only a few people are reaping the rewards–the app manufacturers. Start a DREAM FUND with the money you’re saving.

While some ATMs charge as little as 45 cents, others hit non-customers with fees as high as $5. The percentage of financial institutions charging these fees has also increased over the past five years — from 87% to 96% — as banks look to offset the higher costs of operating the machines and declining ATM fee revenue, the GAO found.

Solution: Use your bank’s ATM or an ATM that doesn’t charge you a fee. Plan ahead for time, distance and location. $2.00 may not seem like a lot for the convenience, however, if you only have $8.00 in your account and you need to withdraw $10.00 you’ll wish you had that extra $2.00!

Currently, the average credit card debt per U.S. household is $15,270, and in total, Americans owe $856.9 billion in credit card debt, based on American Household Credit Card Debt Statistics as of January 2014.

Solution: The goal is to live within your means, if you MUST use a credit card, pay it ALL off and don’t carry a balance from month to month. If you can’t pay it all off, pay MUCH MORE than the minimum balance to lessen the amount of time you’ll be paying the inflated interest.

The moral of the story: Know what your money is doing, create a plan and execute.

Setting Goals Made Easy


People wonder how I accomplish so much.

Simply put, I don’t just talk about it, I do it.

How do I do it? I set goals.

Setting goals isn’t as hard as people think.

Simply put you follow these simple steps:

Decide. Think of something you want to do or work towards and focus on it. Get it in your head (mind) and heart that you’re going to accomplish it. But don’t stop there. Follow the next steps.

Write it down. The KEY to goals is writing it down. Writing it down gives you a visual reminder to see on a daily basis.

Tell someone. Telling someone you know about your goals increases the likelihood that you’ll stick to them. The person you tell will more than likely serve as a audible reminder i.e. “How’s it going with those goals you’ve set?” You’ll probably be able to bounce ideas off of them and get feedback from them as well.

Break your goal down. When you break your goals down into smaller goals also makes the task of reaching your goals not seems so daunting. If your goal is to save $1000 then making a goal of saving $10 every week is more doable than looking at the big picture of saving the entire lump sum of $1000. If your goal is to write a book, commit to one single chapter every month which will amount to a few pages every other day or so.

Plan your first step. When do you plan to start with the first small goal? Set a date. Is it realistic? Does it give you enough time to plan and get everything you need to get going? Remember, setting goals that are realistic gives you a better chance on getting out of the gate with what you want to accomplish and won’t set you up for failure.

Celebrate. Celebrating your small victories and accomplishments along the way give you the motivation to keep going and pushing towards the mark of completion. Remember, you CAN do it!

Ready? Set. Goals!

How to Start Using a Budget for Your Finances


“If you don’t have a budget have a seat.”

Meaning: Sit down and shut up!

I said that on a call one day and it resonated with so many people.

I wasn’t trying to be mean. However a lot of times when we don’t have money we blame everything and everybody else except ourselves.

The MAIN culprit of shoddy finances is money management. Unless someone else is in charge of managing your money, it’s your fault.

We all think, “If I had more money I’d be fine.” Truth is, people who make more and don’t have a budget and a clear map for where their money is going will mismanage money no matter how much they make.

So how do you sit down and start making a budget to see where you money is going?

1. Start with what you make or earn monthly. This can come from earnings from a job, coaching or streams of income. Just write it all down.

2. Make a list of your monthly bills, rent, recurring bills like cell phone, utilities and other things that you may have. Certainly groceries will be on that list as well. Don’t leave anything off. Whatever MUST get paid, needs to get paid.

3. I list my seeds and tithes too because although they vary as I’m led to sow, I sow them so they have to be included.

I find that just like dieting, when you write things down you can get a good look at what’s going on and assess what your spending truly looks like. Many people after calculating the necessities designate a portion of what’s leftover for savings (which is ALWAYS a good plan) and put some in the miscellaneous category too.

Remember, you’re not working just to pay bills. Save something, even if it’s just a little at first.

I journal every dime down to the penny that comes in every single month and you should too.

When you write it down this will make you more accountable with your money and that’s exactly what you want.

If you’d like to create a budget on something other than scrap paper a great place to start is with these 10 Free Personal Finance Downloads from Christian Personal Finance. It’s a very thorough site on finance.

Let me also share, don’t feel bad if you’re late in the game with budgeting. It’s better to get started now, than to never get started at all. So, congrats!

7 Ways Using Periscope Can Make Your Business Money


When I launched the #GYDreams2016 and #FaithScope hashtags on Periscope in late July I was shocked at how many people with products, books and services hadn’t heard about Persicope, but was more shocked by those who had heard about but still hadn’t download it or tried to figure out how to use it. Why? Because it’s such an enormous way to reach people and garner mass attention for anything that you’re doing in business or life in general.

CNN reported that, “One million users joined Periscope in its first 10 days on the iPhone app store.”

CNN says, “The whole concept of Periscope is to virtually pick you up and plop you somewhere you would never be if it weren’t for the app.”

Here are 7 reasons using Periscope could be making your business money:

1. It’s a brand new platform. You’ve already read that it was reported that 1 million people came on board in the first 10 days that Persicope was available.Periscope Has 3X More Influencers, 39% More Repeat Usage vs Meerkat (a competing platform). You always want to take take advantage of a new platform, learn it, master it and make it work for your brand while it’s new. When you come in on the tail end of a trend, chances are marketers have moved on to the next shiny new object or in this case app or platform and your business won’t get much traction from it.

2. Video is a captivating plaform. It engages people. It’s easier to talk about what you do, where people can find you and the benefits of what you offer than to write about it. Video also makes selling more personal. When people buy they buy into you the person before they purchase, so, the chances are higher that you’ll sell your products and services when someone can actually see and hear you.

3. Cross-Promotion. The ability to cross promote your Periscope broadcasts to Twitter and use hashtags is amazing. Teams can support each other and promote each others broadcasts to reach a wider audience. More audience increases the amount of potential clients you can reach than trying to do it on your own.

4. Real Time and Play Back. The real time and play back options for Periscope are awesome. Even if you can’t watch a “scope” LIVE you can always catch it later by clicking on the name of the person’s whose broadcast you want to watch or clicking the link to a shared broadcast. This means that you can still share your event, tips and everything else and when customers and clients plug in to your usefulness, they’ll possible get on board for everything else you know too.

5. Interactive. The interactiveness of Periscope is what makes it so FUN! Watching live or playbacks of broadcasts you simply tap the screen repeatedly to give HEARTS to the person’s broadcast you’re watching. This is telling them that you LIKE or APPRECIATE the information that they’re sharing. You also have the ability to click SHARE to share a broadcast with others after you’ve watched. Thanking people for sending hearts and engaging them makes the experience personal for them. Engagement drives sales.

6. Community. Periscope is a movement, a community. You can meet so many amazing people who just want to see who you are and what you offer. There are all women communities, faith-based communities like ours and black owned communities. The sky is the limit. Just go searching and plug in where you fit in. Sometimes it’s not always about sales, sometimes it’s just about meeting new people and discovering new opportunities too.

7. Teamwork makes the dream work. Scoping solo is okay and you can get maybe 10-14 viewers that way, but the true benefit and MAXIMUM exposure comes from finding a community you can scope with that comes out to lend not only viewership, but they HEART your broadcasts to increase your popularity and help make you a PERISCOPE SUPERSTAR! A community broadcast has the potential to max out your broadcast in the hundreds and even thousands!

Want to “scope” with us? Find us on Facebook at “” to get added to our scope schedule and watch our broadcasts on Thursdays using the hashtags #GYDreams2016 and #FaithScope and don’t forget to follow me @MissPrincessDom.

See you on the scope!