Emergency Fund

What’s in your wallet? Do you have enough money saved up to help out during the rainy days. If you don’t learn the first step of creating an emergency fund.

I read about many personal finance mentors such as Dave Ramsey, Suze Orman, Larry Burkett to name a few, they all advise to have a emergency fund. There are many several ways to create a budget for yourself by setting aside a small amount weekly, monthly depending on your cash flow.

What’s In Your Wallet

money in my wallet

The best ways to create an emergency fund if you don’t have a hugh amount to set aside. First figure out what is your target amount. Estimate your expenses, such as Debt, Personal expenses, Food, Housing, Utilities, Transportation .

If you feel you need to save more , it’s not a good idea to save 3-6 months, because your emergency can become more in depth, so having the extra amount saved up will tremendously help out. So try to expand your emergency savings to include :

  • If your income is not steady
  • Common layoffs with a high-risk industry
  • If retired, your money may be in a bond investments or voliate

Let’s Do It

Are you ready

You can save enough money, Don’t worry, build it up over time on a regular basis every week or whenever you get paid. Overtime you will reach your goal. The importance is making the first baby steps. For example , if you can save $20.00 dollars a week in 2 years you saved $2,080.00 you can add more to it as time goes by and reach your target. Just image you increase your amount to $40.00 you saved $4,160.00. So investing in yourself helps and changing your outcome gives you something to look for in the time of need.

DIY Credit Repair-How To Remove Medical Collections

When you go to the doctor’s office pay close attention  to your medical release form upon signing.  It is important to know what you have signed make sure you check your paperwork.  HIPPA is the Health Insurance Portability and Accountability Act. This privacy rule mandates that your personal medical information may not be shared unless there is permissible reason for doing so.

HIPPA extends to credit reporting agencies and collection agencies as well. The HIPPA law will assist YOU in dealing with delinquent medical collection accounts because in order for the collection agency to verify your debt, they will need to have access to your medical information. If they have access to this information, your rights under the HIPPA law have been violated.

medical form image


The HIPPA dispute letter template will frighten the collection agencies and credit bureaus and remind them that if they fully validate your validation letter on your medical bills, they are violating HIPPA regulations and are doing criminal activities.

HIPPA laws do not allow your doctor or healthcare provider to share your medical files without your consent under a HIPPA release. There has been an increase of doctors asking for a HIPPA release to be signed by you, however this only allows them to share with other medical professionals, not 3rd party collectors.

Make sure you cross out everyone other than the party intended to receive your medical information (do not sign a full HIPPA release).

Our Credit Repair System will help you step-by-step to resolve your credit issues. It provides you with templates , letters and  videos so you will know how to navigate.


Product & Services

Income Shifting 

Income Shifting Membership helps individuals and families to change their current lifestyle to be financially fit by learning the different strategies and developing better way of life. We’ve discovered their are two objectives, our Current lifestyle and Future lifestyle, and four challenges, Inflation, Taxes, Debt and Limited Income. casflow

Two Objectives

Current Lifestyle which we live in now which is paid by your labor, your work hours.  Future Lifestyle is your investments and assets.  If you think Social Security is there to help you live comfortable don’t be surprise it tells you how much you or family would receive in disability survivor, or retirement benefits and it reads the benefits you will receive should not be your only source of income it covers only a certain 40% and you will need other savings such as investments, pension or retirement accounts. When you retire make sure you have enough money to live comfortable.

The Four Challenges

Inflation is more money needed to get the same amount, loses  value over time. Cost of living increases but your rate of pay doesn’t change.  Our Income Shifting  Membership will help you invest your money and grow at a faster rate than inflation.

Taxes  Believe it or not,  Most Americans do not know how much is lost in their taxes.  We are taxed approximately 33% combined federal and state as an employee. Our Income Shifting Membership offers a referral program which in turns helps you as a home based business increases your cash flow on your W4 form.  Everyday common expenses can be a write off such as utilities, cell phones, vehicle mileage, maintenance, rent and tax deducible expenses etc…

Debt  is the number one challenge by many Americans it’s hard to build wealth when you are drowning in it, and definitely is an option. If you change the way you think and educate yourself  you can become financially fit. Our Income Shifting Membership allows you to take advantages and tackle two of the four challenges begin knocking down debt.

Limited Income is a major problem.  So let’s be financially fit  and see the value in our Income Shifting Membership which helps increase your cashflow it includes DIY credit repair system, investment education, helps minimize taxes, eliminate debt, lower expenses. You can create six different streams of income to overcome limited income.

Cashflow Personal Plan

The Cashflow Personal Plan is detailed to how you apply discretionary cashflow to your personal finances each month, weekly, day-to day expenses.  An executed plan is more better than no plan at all.  Provide yourself with the necessary tools to take action and change your mindset and stop the stinking thinking. In return it give you extra cashflow to begin and empower your life. Begin to scratch away your debt by reading the steps below.

Step 1:  Get as much cash as possible each month, whether its Business income, less taxes or W4 adjustment, eliminate debt, less expenses, and apply it.

Step 2: Begin an emergency fund, you choose your range of emergency fund   for yourself, for example 3,000.00 , you can put it into  a money market , municipal bond fund instead of your regular checking/savings account.        emerency fund You can make a periodic deposit until you get to $5,000.00 , move it to your emergency fund account, and separate  it from your other accounts.  WAIT on step 3  until step 2  is complete.

Step 3: Invest in a retirement account such as 403B, 401k, Roth IRA, IRA, Simple SEP IRA. IRA, Annuity and on a monthly basis put away 5% of your income, WAIT on step 4 until step 3 is complete.

Step 4: Take your after living expenses and set up the Debt Elimination Plan.  Start paying off your consumer debt.  WAIT on  step 5 until step 4 is complete.

Step 5:  If your not using your retirement investments, raise your payments (step 3) WAIT on step 6 until step 5 is complete.

Step 6: Take your available monthly cashflow and build your emergency fund, will be built in three-six months living expenses should happen quickly by less, taxes, debt, expenses, business income.  Wait on Step 7 until you complete step 6 is complete.

Step 7A:  Buy a home, if you are a renting, and proceed to 7B.  If you buy your home go to  step 7B.

Step 8:  Begin an investment portfolio and increase the amount over your retirement accounts, endless options are available such as Mutual funds, ETS’s, annuities, Real Estate, Bonds, Stocks, and by the time you receive extra cash you should be at this step and increased your financial literacy.

If you use step 2 or step 6 replace it before you go the next plan , recommend to pay off your mortgage before going onto step 8, it’s less risky , if you want to invest go to step 8.

Note: This Cashflow plan is only to address a cash flow system that helps you in a financial situation.  If you have any additional need it is wise to seek a financial advisor.





It’s Your Choice To Be Debt Free

It really is a choice,  What are you going to do about it.?    If you have not  experience the feeling of working less, retiring young, establish a real savings account, and becoming a smarter spender.  Think about your choices and start by investing in yourself and make your money work for you.

What Would You do Without Debt

“Without Debt” would be awesome, if you gathered up all your bills you pay each month, what would you do with the extra money; if you are not applying it to your expenses such as mortgage, car loans, or credit cards. Would you invest into your future or deposit it into a saving account.

There are several ways to take advantages of extra cash, owning your own business, seeking a financial adviser to help you invest and educate yourself. Its important to know that in the long run it pays off if you stay the course.

Financial Freedom

Freedom allows you to free yourself from worrying, you are able to work whenever you want, anywhere or anytime. happy couple debt free If you are working and don’t like it you can quit your job. Debt can be stressful at times it always there, it never goes away unless you make the money work for you. If you take the time to educate yourself it plays a major role in your life financially. It shapes your situations gives you a realistic goals not to give up.

If you want it brand it yourself, make changes, start investing, exchange time for money, say no, focus on your goals and success, network like crazy. Imaging waking up every morning knowing you can spend the day to do whatever you want. I would travel more go visit family and show people that it’s possible. If we can support small or big business why can’t we have a piece of the pie.

What Is Your Action Plan

What are the necessary steps are you going to take and change your life style. It can be overwhelming where to start is first with yourself, Are you going to take on the challenge ? Or you going to wait for time to pass you by. If you decide to take an action these are the goals you should work on.

The seven steps is a huge life change for you so make it work  for you and follow the steps below:

  1.       Change your mind the way you look at situation
  2.       Create an emergency fund
  3.       Prioritize
  4.       Budget
  5.       Reduce your spending
  6.       Invest in your future

Share your valuable lessons and educate your family and leave a legacy.

Financial Success

After you have accomplished your goals, What are you going to do different? Hopefully, you stay on track and don’t repeat the cycle. Identifying a clear objective, it’s very critical to anyone’s finance. A financial goal is setting and determine the amount of cash you put away for a specific purpose. When you reach the amount track your progress.

There are three types of goals: Short range, Mid range, Long range. A Short range is less than twelve months, Mid range is one to five years, Long range is more than one year. For example: Short range goals is something you desire such as vacations, electronics or what you determine is a short goal. Mid range goals can be a down payment on a house or sailing boat. Long range goals is when you are investing in a child higher education when they get older, or saving for retirement, owning your own business.

Use a Financial Chart to help you determine your goals and how much to put aside each week, month. Use Step 3 and 4 can determine your realistic goals. Look at your expenses whether or not you can increase or decrease your expenses and adjust accordingly.

Your priorities is essential you must develop it. If you decide to share your finance with someone discusses your priorities together. Communicating with each other to determine the best approach. It’s wise to know where your cash flow is going each month. If not you are not by yourself, have an accurate figure you want to track your spending daily. Use the weekly and monthly worksheet  this is a very helpful tool and you can fill in your description.

If you want to be happy set a goal that commands your thoughts, liberates your energy and inspires your hopes, words by Andrew Carnegie.



Home Based Business

we work at home

If you are reading this article you came to the right place, either you have a  business or looking for one.  I know if you have a business it can be very rewarding, keeping good records is very important.

Whether you decide to have a  home-based business or not there are personal tools you can for personal growth.  I use  a cash flow app called cash flow manager  I can download it on my phone its allows you to take a picture of your receipt and enter your invoice in the palm of your hand, you can even upload it to your file.  It has a unique tool for GPS mileage, expense, income tracking system at your fingertips.  It’s very user friendly and it allows me to stay organized so at the end of the year you have no worries.  .

If you have business whether online or not one of your expenses may require you to travel, why not receive discounts flying or even going on a cruise business related or not. I love shopping and use a cash back mall places where I normally shop  I get discounts this definitely increases my cash flow and  saves  money and time.

Another great feature I used in the past is a credit  repair system which allowed me to repair my own credit, monitor your credit and score.  I was able to apply for credit and to educate myself, why pay someone else.

There are so many other opportunities  available. When you have a business in general you can increase your income, work from home and change your life and family.   If you are interested in learning more about this great  opportunity view the products they offer.



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About Me

Welcome! Thanks for visiting my site.  Everyday we are faced with financial situations  in our families, friends and daily lives.  I decided to write about  financial strategies and how I use it in my daily life  to help me with personal financial goals and I wanted to share with others about minimizing taxes, eliminating debt, lowering expenses.  

A Little About Me

Growing up with older brothers was challenging, however I was always the mom figure to them. My parents passed away early in our life’s, my younger sister who was Down Syndrome passed away in  2016, after spending so much time taking care of her for 31 years, and working in the healthcare field for so many years.

I decided it was time for me to work on some of my own finances,  and help people change their life, but I had to start with myself first.  So I learned how to shift my income and learn the financial strategies so I can become financial free and live my life.  If you are looking to make a difference start with yourself first.  If you decide to become financially fit  or a  home based business find out about the tax advantages.

If you want to be life ready it’s critical to invest in yourself and inspire others to create a healthy lifestyle and be great on purpose.

If you have any questions, feel free to leave them below and I will be more than happy to help you.

All the best,