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Cheryl Johnson Profile and Articles
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1). Finding Your Niche In The Business World
Who am I and what do I love to do? Well, isn't this the twenty million dollar question! A more appropriate question might be "Who was I and what did I love to do?"
As you search to find yourself, and what it is you love to do, you may find the task harder than you thought it would be. Try to think about your childhood. Can you remember what thrilled you as a child? Like many people you've probably forgotten what brought try joy and excitement to your essence.
2). Budget Backyard Family Vacations
When travel and lodging are cost prohibitive, you can still have a vacation right at home. Yes, in your own backyard. Many of us live within reasonable distance to museums, campgrounds, historic sites, and beautiful state parks. You might be surprised at what you find in your own local area.
Do some research in your area to find free or low cost activities and sites to visit.
3). Stuff Happens: Be Prepared
As children, if we learned nothing else from those "scary" nursery rhymes, it should have been that "stuff" happens! Scary? Yes, Scary! Jack fell down and broke his crown... Humpty Dumpty fell off the wall (worse yet, they couldn't put him back together again!)... The wind blew and down came cradle, baby and all... little Miss Muffet had her meal interrupted by a spider.
4). Debt Free Living: Justifying A Non-Purchase
Do you sometimes feel like you're making a lot of sacrifices to live debt free? Debt free living is easy if you don't have any debt. But, living debt free and working to eliminate debt, at the same time, can be a struggle. It can feel like you're always giving up what you really want to meet that goal.
Sometimes we can't help but get discouraged. Our desires and wishes get the best of us from time to time.
5). Low Cost Vacations And Family Values
The family vacation is a tradition intended to bring families closer together and one that many of us would just not think of giving up. Quality time for the family reinforces the importance of family values. It's sort of a "time out" from the day to day routine of living and growing. A chance to focus on getting to know better those that are most important to us, our family.
6). Frugal Family Vacations
Everybody loves a nice, relaxing, vacation. The family vacation gives us a chance to focus on family and spend some quality time together. Unfortunately, sometimes the family vacation can be costly. Especially, if you have a large family.
Including a vacation in your plans can be a challenge on a tight budget. For those of you who want to get in that family quality time, yet don't have the finances for an extravagant vacation, here are some frugal family vacation tips.
7). Donating To Charity On A Budget
I always feel guilty that I can't give to charity more than I do. But, honestly, my budget is trimmed down to the bare minimums and our income just meets those obligations with pennies to spare. Still, I feel that I should be giving something. After all, I know that there are other families struggling much harder than ours to simply provide the very basic needs of survival.
8). Taming the Closet Monster
Reducing the clothing budget was a serious challenge for me. Two pre-teen girls and a teenage girl certainly didn’t make life any easier. My son wasn’
9). Debt And Debtor's Disease. Do You Have It?
Debtor's disease is a silent killer. Killer of respect, marriages, self control, and families. There isn't a part of your life that it won't touch and destroy with it's deadly power. Some of you won't even know you have it for many, many years. It's a sneaky affliction; creeping into your life and slowly but surely taking control of every part of your existence.
10). The Debt Free Living Recipes
Living debt free is a feeling that's hard to explain. It's a feeling that's alien to most consumers today. But once you've had a taste of living without debt, and without the stress that often comes with it, you'll be cookin' it up all the time.
This is a recipe you'll surely want to pass down from generation to generation. Your children and grandchildren will love the flavor of debt freedom.
11). It's elementary My Dear Watson
Does it feel like you have to be Sherlock Holmes to solve the mystery behind balancing your personal budget? Are you living a mysterious thriller w
12). Kids Just Wanna Have Fun
During the recent “schools out session”, I was reminded how much the kids crave entertainment. No matter what time of year the “Kids Just Wanna Have F
13). Buying A House Or A Home?
A house is just that, a house, until someone lives in it. That's when it becomes a Home. There's a big difference. At our house, we always s
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