5 Year Plan Results…

This post is almost 2 years late. But the 5 year plan I speak of, was made on October 16, 2018 at 2:00p. (It’s written down with the time and date.). Five years later would be October 2023, but I capped it at December 2023. This is the update from that time frame. Listen to the podcast for this episode here!

October 2018 me: I was 34 years old. I was working 2 part time jobs. One I had been employed at for 6-1/2 years. The other was a part-time seamstress job. I had recently started my podcast and just purchased a domain for my website. My goals were to find my purpose, get into a relationship/marriage, have kids, produce budget planners, have a successful podcast and website, pay off my car and student loans, finances in overflow, living in the house of my dreams and donating a lot to help others.

February 2025 me (October 2018-December 2023): Since then, what actually happened was…

  • Credit score went from 715 to 816(highest).
  • Wrote a book and created a journal, never published them.
  • Practiced tithing the full 10%.
  • Saved approximately $60,000+.
  • From $13,000 in credit card approvals/limits to over $100,000.
  • Maintained $0 credit card debt!
  • Paid car off December 2020( 2-1/2 years early)
  • Opened an IRA and maxed it out each year since.
  • Contributed $5,000+ into the stock market.
  • Approximately 50+ blog posts.
  • Over 100+ podcast episodes.
  • Over 100+ YouTube videos.
  • Created budget worksheets for free download.
  • I did get into a relationship but it didn’t last very long.

I didn’t reach all of my goals and I am okay with that because some things are on God’s timing, not mine. His timing is perfect and always worth it. I also accomplished way more than I planned to. Now that I have finally updated y’all, as promised on this 5 year plan, before I turn 41, I will make another 5 year plan.

Stay tuned, because I have to do a 2025 money/saving/budget post. My goal is to always share new tips, tricks and ways to help everyone grow financially. So, make sure you subscribe to this blog.

Sincerely,

Angie

It’s Not Always Your Fault, but When it is…

You know the running joke on social media that says, “I’m not rich because my momma permed my hair when I was four.” or “I am single because my momma permed my hair when I was younger.” Essentially, the point of the joke is to blame your mother perming/relaxing your hair on something totally unrelated to a perm/relaxer or your hair.

It’s truly all fun and games until placing blame on everyone else, is a way of life for you. Don’t worry, any one who this applies to won’t recognize it at first. It takes self evaluation and working on yourself to recognize the signs. Some people never get there. Some get there after an aha moment. Some learn it through therapy. The point is to take ownership and hold yourself accountable just as you would do to someone else.

It’s easy, and I mean super easy to point the finger at someone else and point out their flaws and faults but to own up and admit to your own is not the easiest thing to do. I can honestly say that it takes nothing away from you to admit you were wrong or at fault. Your pride or ego may be bruised but the peace and growth that comes from accountability will be worth it.

Story time: Soooo… over the last few weeks, God has been sending me signs that I need to STFU or choose my words carefully. Over the last few weeks, I’ve heard that I am judgmental, negative, think I know everything and a few other things. The consensus I gathered is that maybe I am not the easiest person to talk to. In the days leading up to these comments from others, I recorded a podcast episode and I was venting. After the first recording, I decided to not use that one because I felt like I was too negative and there was a nicer way to say what I said. I recorded it again the next day and my tone was different, all I needed to do was edit and upload it. Well, before I could edit, the revelations, signs and comments started coming in.

Thinking about the podcast episode and there I was, judging people. In my mind, I was thinking I was just venting about what I hate seeing online or in general but the topics I hit on, could actually hurt others. Even though, it’s just my opinion, I decided to not even put that energy out there. Instead, I took a step back and self reflected. I believe that people respect my opinion, it’s most likely my delivery that is off. Maybe it’s too logical, too real, too sarcastic or just plain ole judgmental. At the end of the day, I own up to my fault and flaws and I am working to be a better person. Pray for me y’all.

I recorded another podcast episode (you can listen here) and I am hoping that this goes over well. I am not trying to be a people pleaser or cater to the world, when I just want to be myself and accepted for who I am and not who people want me to be. I have since had reflective moments and reassurance that I’m not as bad as I think I am and those who get me, get me and those who don’t, well, they have or will GTF. My heart and intentions are pure. My self-awareness is present and open to make the necessary changes to be and do better. Each flaw has been accepted and if my flaws are able to be changed, I’ll work on them. If they can’t, I have accepted them and Thank God for them.

I deeply apologize if you have ever felt judged by me. I promise I am in no position to judge, I sin and fall short daily! I am no better than the next person. My intentions are pure and there is no gain for me in being malicious. I can and will admit that my statements, remarks, responses can come off as judgmental and in my human nature, I may default to judging but in my walk, I redirect my thoughts to be more understanding than judgmental.

Sincerely, Angie

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It’s Income Season

You read that right. Income season, not income tax season. I pray for the spirit of waiting all year for increase, to be removed from our minds and hearts. You can have increase at any given moment. All you need is the opportunity, expectancy and a renewing of your mind. Renewed mindsets brings about great abundance. Don’t wait all year for tax season to get a quick increase in your finances, income season can be yours all year long!

This year, try focusing on you receiving income and increase on a regular basis. Income, if we’re talking financially and increase when speaking of any and all areas of your life. Increase your self-awareness, self-control, relationships, health, peace, etc. Anything that is in coming, that you can receive is what you can train your mind to think of. I guess I could’ve named this post “Incoming Season” but it doesn’t have the same depth to it. Look up the definition of income and increase and seeing the definition might just change your mindset or life.

If you focus on lack or areas of your life where you are lacking something or there is a deficit, that lack could remain. Focus on increasing any area of your life where there may be a lack or where improvements can be made. This could range from anything like, your response when you’re mad or upset to improving your arrival time at work. Don’t limit yourself! We should always aim or desire to be better as a person not only for ourselves but for those around us.

Since it’s a new year, I have to provide y’all with money tips for the first quarter. Check out the new podcast on money with Eric Lewis from the IKG podcast.

It’s time for increase in your incoming funds. These tips are only here to give examples of how to cash in on some extra dollars. Do what works for you! Income is the key word so the goal is to have in coming funds! Lets start to cash out on some things we utilized last year.

  • Cash out survey or referral programs points for Zelle, PayPal or Visa Gift Cards (ex. Rakuten or Fetch )
  • Redeem your credit card points for cash or gift cards (ex. 25,460 points, could equal $254.00)
  • Any interest that you may have gained on your savings accounts can be used to keep compounding or to move to another account for spending. You earned it. (Your savings account shows $5,138. The $138 is most likely interest earned (check your bank statement for interest earned total). Cash out the $138)
  • Your stocks may be doing well. It’s time to check them and possibly cash out your initial investment to reinvest or use elsewhere. (You initially spent $500 on Apple stock, it’s currently worth $1,200. You could sell the shares that would equal $500(your initial investment) and keep $700 worth of Apple shares.) Remember, stocks are a long game, so only think of cashing out the initial investment if you really need the extra or if you deem it worth it.

Please note that anything that I have ever suggested when it comes to money and saving, I have done it personally or I have seen the benefits of it first hand. Happy saving, investing, cashing out and INCREASE!

Sincerely,

Angie