Wellness Wednesday: 5 tips to financial wellness


Say No to being Broke!


Today is a new opportunity to regroup and take control over your finances. We have to plan to live better for ourselves and our children. If you have having some issues where you seem that you are drowning debt and living paycheck to pay check, here are some tips you can use to jump start your road to financial wellness.

First lets define Financial Wellness: Financial wellness is a balance of the mental, spiritual and physical aspects of money. This combination is necessary to thrive dealings with our finances.

Read more on Financial Wellness

Financial Wellness

5 Tips Start your Financial Wellness Journey

{information collected from a preview of Dave Ramsey-Financial Peace University Information presented is very vital to living well and being free from financial bondage.}

  1. “Prayer Really Works”
  2. Save Money- A $1000
  3. Stop Borrowing Money
  4. Sell Something-Get your life Back (Get rid of old stuff)
  5. Get a Part Time job

Learn more at FPU- Dave Ramsey

Enroll in the next class!



Key Points to remember

Do not worry and become overwhelmed.

Take baby steps and pay off everything.

During this time use the #snowball effect. Focus on the smaller debts first and them move on to the others.

(smallest to largest) and watch your capitol grow.

Behavior Modification

Join an Accountability Group to help you with support and encouragement.

In the words of Dave Ramsey, ” You work too hard to be broke!”

Much Love Nora

Jeremiah 29:11 {Hope & A Future}

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Tips to Savings | 52 Week Savings Challenge |


New Month…. New Opportunity….. We have made it though the first half of the year. I hope that you are still on this savings journey. Remember this is our accountability group and I am here to help keep you focused and on track with your savings goal for #2016.
I can not wait to hear how far you have come with this journey. Sometimes it may be harder than others but you have to stay focused.


A little can go a long way. BeInspired. BeEncouraged . BeYou.
Tips of the Day
1. Save Loose Change
2. Keep Track of your Spending
3. Never purchase on Impulse
4. Take advantage of discounts and coupons/incentive programs
5. Bring Lunch to work
6. Eat out fewer times per month
7. Shop for food with a list
8. Ask physician to consider generic prescriptions
9. Make monthly payments on time to prevent fees
10. Look for sales at outlet stores and resale shops ( never pay retail)


*If you have not set up automation you should consider this option  as this really does help.

If you have not joine the Savings Group…head over now to Nora 52 Week Challenge and join for more tips and motivation along the way….



Much Love, Nora

email: modestnatural411@gmail for business inquiries

Jeremiah 29:11 |Hope & A Future|

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Live richer challenge |4 plans to save|


This is not a post of New years resolution.but a post on lifestyle changes.

I am determined to be better in all areas of my life as well as help others to do the same.

This post specifically deals with showing 4 savings plan to help with saving money to change our lives for the greater. Some may be interested in saving for a particular purpose , a trip, a car note, or even a down payment for a home purchase even a rainy day.

If you are interested in taking the challenge here are  the plans that I can will be best depending on your purpose the amount you are committed to saving.

It will most definitely take commitment and sacrifice but so well worth it in the end.

Are you all in…

Keep me posted on your progress as I do the same.


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Black Friday 2015  | 8 Tips w/ Ads|


I am a bargain shopper with the purpose to stretch the few coins that I have. In my lifetime, I have only been to the Black Friday sale events twice. I have often wanted to go because of all the great items that are in the ads at such reduced prices. But most times I just don’t want to tackle the crowds. 

(in the US) the day after Thanksgiving, noted as the first day of traditional Christmas shopping, during which crowds of consumers are drawn to special offers by retailers. Now earlier than in the past years, Stores are starting done sales before on Thursday. (From about 2013 – present)

Black Friday – The day After Thanksgiving (Friday) is known as Black Friday. This also is unofficially or officially start of holiday shopping season. Almost all stores come out with Doorbuster Sales with early bird special to attract consumers to their stores. People stand in line hours before store is opened, to grab the bargain of the year.  Just about every store has something that interests every one. For bargain hunters, if there is a biggest festival in a year, that would be, no doubt, the Black Friday Sales Events. 

 Why is it called Black Friday?

“Black Friday” relates to businesses recording their losses in red ink and gains in black. This tradition lives on in modern accounting software, hence the name.”  
Decide what you want in advance. You may NOT be able to cover all the stores and may not be able to get ALL the early bird Specials. So decide in advance what is the most important item that you absolutely need.

8 Tips 

– Give preference to big ticket item as you will save more on those item. For example, you are likely save few hundred dollars on an expensive TV of over thousand dollar than on a shoes of $20. While both may be available at very good prices but may be on two different stores, so you may only be able to get one (assuming both are doorbuster deals), and saving on the TV may be in range of few hundred dollars while saving on shoe may be in under $50. 
– If possible have a group of people, but everyone going to a different store. Eah person going to any store may buy item for everyone else in the group. Although for some doorbuster items, store offer one slip to person, so you may not be able to get more than one such item.
– Check Price Matching Policy of stores. Some stores offer price match so instead of standing in queue you may just walk in to a store with no or less queue and that offers price match. (And yes, make sure that they have item in stock). Price Matching is always a tricky situation. Some stores may be kind enough to honour their words while other may NOT be. Some employee’s and Manager’s are also reluctant to offer price match.
– Buy in advance and get price adjusted on Black Friday day. Again, Some store may or may not adjust price. You may try return and re-purchase at Black Friday price on Black Friday. 
– Buy Only what you need. Many stores are strict on re-stocking fee which may range from 5-15%.
– PARK SMART. Park in the parking lot of nearby other place where there is no sale. Walk to store. This way, you wont get stuck in BIG queue of people coming in and out to the main store. 
– Shop Online. These day’s most Black Friday items are available online as well. Checkout dealsofamerica.com for all online deals. This is one of the best and most frequently updated website on the web so you are sure to get all bargains there. With rising gas prices, sinking temperatures (harsh winter) and many online deals with Free Shipping Offers, Online Shopping is gaining ground.

Walmart Ads


Target Ads


Amazon Ads


Best Buy Ads


Sears Ads


Children’s Place Ads


Old Navy


Jcpenny Ads


Happy Holidays!!!

Remember to give Thanks and keep Christ in the Holiday. He is the Reason for the Season.

Share Love and remember the less fortunate and consider giving back by sponsoring a needy family.

Much Love, Nora

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