5 Finance Tips from Proverbs

1. Work Hard

All hard work brings a profit, but mere talk leads only to poverty. –Proverbs 14:23

If you’re looking for a get rich quick plan, sorry to disappoint. Work hard is #1 because… well isn’t it obvious?

2. Budget

The plans of the diligent lead to profit as surely as haste leads to poverty. –Proverbs 21:5

Before you even have check in hand, make sure you have a detailed game plan on how you’re going to distribute your dollars. If you don’t make a budget, you’re welcoming frivolous and impulsive spending.

3. Save

The wise store up choice food and olive oil, but fools gulp theirs down. –Proverbs 21:20

You’ve probably heard this a lot and you might think, “I don’t have enough to save.” But yeah, you do. Do you have enough to buy all the things you want right now *and* save? Probably not.

4. Pay Debts

Do not be a man who strikes hands in pledge or puts up security for debts; if you lack the means to pay, your very bed will be snatched from under you. –Proverbs 22:26-27

Debt is so prevalent these days that we even have something called “good debt.” But in the Bible days all debt was debt. So don’t buy what you cannot afford, pay your bills on time, and make no excuses. Simple.

5. Be Ethical

He who oppresses the poor to increase his wealth and he who gives gifts to the rich- both come to poverty. –Proverbs 22:16

Like Momma used to say… Have a little integrity ’bout yourself 🙂

5 WordPress Cheats for People Too Busy to Blog

macbook laptopWhen I first started blogging, I thought the most successful bloggers were the ones who had the most time to dedicate to their blog. This simply isn’t true. The best bloggers know how to make the most of their limited time. Through research and experience, I’ve found a few blogging “cheats” that have made my life as a blogger easier.

1. Use Data Analytics to Your Advantage

  • WordPress has tons of analytical functions. You can see what day and time you receive the most visitors. Why is this important? Because if most people are viewing your stuff at 11am on Tuesday, don’t post at 9p on Saturday.
  • Content is like fruit. You want to give it to your followers when it is fresh. Plus newly posted content gets bumped to the top on the WordPress reader.
  • You can also see the geographical location of your followers. If most of your followers are from the United States, then things like “Individualism and Freedom” will be better received than if your followers were primarily from China or North Korea.

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Acorns: Investment App Review

I’ve been looking for a way to start investing without sacrificing large sums of money. When I say “large,” I mean large for a single mother… So anything over $50 is large lol.

While checking my financial status using Mint.com, I found a recommendation to try the Acorns App. It was free to download.

Based on my status and investing tolerance (since I’m young-ish, I can be more aggressive), Acorns made a portfolio that includes Google, Apple, Microsoft, General Electric Company, Johnson and Johnson, and others.

And it costs only $5 a month. There are also options for $10, $20, or above if you’re ballin’ like that. Plus you get bonuses for referring others.

I *highly* recommend anyone interested in investing to look into it. You can see all the goods before committing any money.

I’m also interested in hearing your thoughts and approaches to investing.

Please share in the comments below!


Sunk Costs

I’ve been thinking about sunk costs lately.

A sunk cost is a cost that has already been incurred and thus cannot be recovered. Sunk costs are excluded from future decisions, because the cost will be the same regardless of the outcome of a decision. (Investopedia.com)

For all intents and purposes, sunk costs are irrelevant to decision-making. This is a concept I’ve grasped fully. Intellectually, at least.

Yet I have made more than a few decisions based on the sunk costs of my life.

He did this to me then, so I’ll do this to him now.

Emotional logic. #paradox


I’m Done Hatin’ on The Tissue Test

Not so long ago, I ranted about Crest’s Tissue Test. Because shame on them for preying on the impressionable. For targeting a market of consumers characterized by vanity, desire for social acceptance, and willingness to spend frivolously to comply with the media’s arbitrary and comical standards of beauty.

We all know the type of individual that fits in that group. But in case you’re unsure, check out the commercial yourself to see who P&G is tryna target with their tissue test.

I just finished writing a paper on Crest’s Whitestrips and you know what? It makes sense.

I ain’t even mad no more.

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Capitalist Mind, Christian Heart

I hate hypocrisy. There’s nothing wrong with being wrong because we’re all wrong and Christ took care of those wrongs.

But being wrong and presenting yourself as right- that’s beyond wrong. That’s just… just dirty.

I have an entire section dedicated to my business-related blog posts because marketing, finance, and economics absolutely fascinate me. In fact, until I had my recent ‘Come to Jesus,’ my religion wasn’t Christianity- it was Capitalism. And my idol was money.

So I get it.

Luckily God set me straight and I’m not as misguided as I once was.

But the more I learn about business and the sweetheart of free enterprise, the more my stomach churns with disgust. The more grateful I become that God yanked me away from the monster I was trying so desperately to feed.

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