Archive for the holidays Category

8 Steps to Keep your Holiday Season Debt Proof

Borrowing money for the holiday season is no misnomer for many American families.  American families are constantly being bombarded with retailer’s advertisements of buying, and fighting the buying temptation can be difficult.  Statistics show that nearly 1 in 10 families borrow money to spend on Christmas gifts and those same families are unable to pay their bills at the end of month in December.  Read the rest at Your black world


Dealing with Financial Stress and Anxiety during the Holiday Season

In these economic times, many individuals are going through some rough financial pressures.  For example, the lost of a job, home foreclosure, or unmanageable debt that keeps accumulating.  Studies have shown that people who are struggling financially during the holiday season experience a much greater burden of stress and anxiety than any other time of the year.

Many individuals who are experiencing this type of stress and anxiety do not realize it’s not because of lack of money.  More money will not change your financial situation if it did, why do 9 out of every 10 lottery winners who become millionaires go broke within 5 years?  What changes your financial situation, is your mindset.   Changing your mindset will allow you to live the life you were destined for, it will allow you to eliminate a mindset of lack and develop a mindset of financial abundance.  Listed below are 4 principles one must master in order to reap the harvest of becoming financially secure:

1.  Learn to embrace the concept of being an abundant thinker

2.  Learn how you can become an abundant thinker

3.  Educate yourself on why the recession has nothing to do with your finances

4.  Learn how to stay motivated in any economy, so you can become recession proof

These concepts may seem esoteric and out of the box for some individuals, but if you’re in a place where you’re hurting financially.  Consider learning something new, it was Albert Einstein who said “Doing the same thing and expecting different results is Insanity”.



The Money Mentor: How Corporations Play with Your Mind at Christmas

In this video I’m discussing the Black Friday and Cyber Monday phenomenon  with Dr.  Boyce Watkins.  Click here at Your Black World to listen and watch.


4 Tips for Protecting your Finances Online on Cyber Monday

Cyber Monday has been called the most profitable online shopping day for retailers since 2005.    Online retailers have been rallying to get Black Friday shoppers to continue their shopping frenzy until Monday, with hopes that this year will be even more profitable.  But consumers who are planning to shop on Cyber Monday, to score big on sales for the holidays.  Here are 4 tips to consider when shopping on Cyber Monday.

Read the rest on Your Black World


Are You Up for a Coupon Challenge?

   The holidays are coming and making sure my family stays within our budget is key to me. But  I do have to admit, although I have my family on a strict budget plan, and although we stay within our spending limits overall.  The area we tend to overspend is with the grocery/food bill. So enough  is enough, I’m taking on the coupon challenge.  During the holidays overspending can occur and it’s very important to not neglect your budget during the holiday season.  For some people looking to save and not overspend,  holiday shopping begins in Fall, this practice allows you to stay on top of your budget allows you to eliminate wasteful spending.  So back to my coupon challenge I’ve did my research, so that I can take some  tips from other people who have been successful with coupons.  In my Googles earch I came across the website of and I been using her website as a guide, so far I am impress with her coupon saving tactics.  I just started this coupon exercise this weekand I am noticing the food savings. Right now I’m only buying what’s on sale and utilizing coupons with the sale items.  What I also learned that many of the stores have website where you can sign up and get additional savings.   Well as I mention earlier int his blog the holidays are coming and my goal is to plan my holiday food shopping list now.  Until next time, I’ll let you know how it goes