Dr. Jackson, who is she?

That is the burning question. I tend to think about this from time to time. For me, the biggest issue is not knowing what I will do with a D.R. period in front of my name. At the moment it is all a big question. I know that I don't want to be where I am now and I will not be. That is first!

To answer the question, Dr. Jackson is a confident woman that takes her life seriously. She works well with others and knows how to delegate responsibility. Dr. Jackson is educated and willing to learn new things to enhance her current career. She also has multiple streams of income from a variety of sources. She knows how to put her money to good use.

I understand that who Dr. Jackson is is a very vague explanation. In my opinion, it is needed because I don't know where life may take me. There are so many things that can occur. I don't want to jump to far ahead.

I wanted to write about this due to not really knowing myself. Time is moving so fast. At the moment, I have 5 courses, 3 KAMs, 2 residencies, and 1 dissertation to write before I complete my program. That time is rapidly approaching. Dr. Willetta Jackson will not be a myth, but a reality that is mine.

Highlights of How Come that Idiots Rich and I'm Not

Yesterday, I went to the book store to look at some personal finance books. Doing this tends to relax me and allows me to think outside of the box. The book a looked over was How Come that Idiots Rich and I'm Not. I will give some key points that I found beneficial for my life.

• Wealth isn't only about money-it's about time. It's about Life, with a capitaL.
  
• Priorities should be with your family, friends, relationships, and spiritual pursuits, not with a career. In the end, what else is there?


• RUBs: Right Side Up and Broke


• Often the kids who learn the most in school is the one who's in most trouble, because that kid has to learn how to get out of it.


• If you think too much, you'll grow broke


• Rich Idiots send their money to work while they stay home and play


• Turn your own thinking upside down


• Create a wealth wish list


• Get a wealth talisman or wealth charm


• See the invisible Feel the intangible Achieve the impossible

Forgive

1. parents


2. Siblings


3. spouse


4. kids


5. members of family


6. friends who let you down


7. co-workers


8. neighbors


9. people come in contact with daily


10. self

Say Daily

I commit to filling my life with wealth and happiness, being bold, taking positive actions, and new results.

Say thank you for what you have ask for more

Things to Do

• Write down 5 ways your going to receive wealth


• 5 ways going to give wealth


• things grateful for


• 3 people you forgive


• Decide how much money will make you a Rich Idiot


• Choose path going to take to reach it
• Pick activities everyday to help you reach your goal

I Feel Good About the Future

There have been a few months where I haven't not overdrawn in my account. Actually, I have money left over for the month. That feels really great. There are so many things that I want to do. It takes time and money to get them done. I am doing my best to use my money wisely. It is hard, but focus has been the key to making sure I put the money in a good place.

I was thinking and as far as purchasing the two houses. That was something that I always wanted. I wanted to rent houses. I just did it. Two houses in one year, I think that is great. I have never lived in either home. I jumped out there and made it happen. Why can't I do the same thing in other aspects of my life? That is the prime question. Here I am, paying for school and maintaining bills. I may be in a growing period. I want to move, but my credit is awful due to that unforeseen incident that appeared on my credit report.

Outstanding Bills

Walden University $1010.00

Library $40.00

SunTrust $51.00

I will get financial aid for the summer time because I will pass my class with an A. Money that doesn't have to come out of my pocket right then. The $1000.00 for the next two months will go toward my undergraduate debt ($2,990.00).

I don't talk about this much but I want 5 acres or more of land. I will work on a deadline for when I will have it. On the land my dream home with everything that I want in it. A Jacuzzi and sauna (hot and wet). A green home, it doesn't have to be really big. Just 4 bedrooms, with 3 bathrooms, a exercise room. I can't forget a candle room.

Staying focused on this is something that I should do more. I somewhat had put that toward the back of my mind. Can't look for the small things. Stepping out is what needs to go on. There are so many things that I want to do, but that little thing holds me back. Could that little thing be finances?

There's not really much to say. I just have to stay focused and not get taken for a sucker. Do the right thing by my money enjoy this life.

I Really See Improvements

At this point in my life, I can honestly say I see improvements. There are things still that I need to work on, but overall things are looking good.

Learning Experiences
Everday, I consider that to be a learning experience. I talk to my friends and know that I can be anyone that I want to be. I can also do anything that I want to do. Life is full of struggles, but it is up to you to do the right with what you are given.

Things I am Working
There are things that I am working on. For instance, living below my means! That is a big one. Currently for the month, I have had enough cash to live on and still do some other things with. I have paid all of my bills and have some money left over. I am growing and I can see the change in my overall finances. Since I have to pay for school on my own, that has let me know that I can pay of things faster then I thought I could.

Bills
TMobile $55.00 was $101.00
Knology $
Mediacom $89.00 was $124.49
Braces $109.00
Credit Card $100.00
Wachovia $200.00
US Dept of Education $25.00
Walden University $1,010. last payment, I should receive financial aid for the next term

Things Needed to be Adjusted
For May, there are many things that need to be adjusted. For instance, paying $1,010 for school. The total payment of $4,310 has really put a dent in my pocket. This is what happens when you get on academic probation. Something that I really am not trying to do again. Once this is done, I should not have to pay for school. That is if I can get financial aid.

During the Summer
During the summer, I may double up on my monthly payments for my braces. Or just continue to pay monthly and put that extra cash toward paying off Wachovia. As you know, my ultimate goal is to have financial freedom.

What the Future Holds
The future holds many things for me and I am looking forward to doing them all. In order to be successful financial freedom is a must. I see how I can achieve it. All I have to do is maintain what I have and work on doing more cut backs.


I try to put the money I receive to good use. That is sometimes hard, but I am able to manage. Looking at the money that I have I do pretty well. I was talking with someone about where our money goes. That is a big question. Spending is sometimes all that we do in order to maintain sanity. I have thought about that and I know what to do in order to keep more cash. I know how to say no. Eating out is not an option. I still do it, but not as often as before. While driving, I go to places near each other instead of wasting gas.

I have celebrated my growth and know my goal is obtainable. All I have to do, is do right by my cash and keep the main thing the main thing.

As for tutoring, I make $15 an hour and I use that cash for gas. Work with my growth. Hopefully, you can learn from my mistakes and build your financial future.

Keith Brown, The Motivator of the Millennium

I had the pleasure of interviewing Keith Brown, The Motivator of the Millennium. He was honest and open about his business. He gave techniques that can encourage students and adults alike to always put your best foot forward.

What is your name and title? Keith Brown, Lead consultant of 20/20 Enterprises (Deemed Motivator of the Millennium

How long have you been doing this? 10 years

What made you want to do this business? Didn’t choose this it chose me. It was a calling. I believe there are two great days in your life. They are, the day you were born and the day you discover why you were born.

What steps did you take in order to get things started? Did much on the job training. Networking with schools and educational arenas.

Did it take much start up to organize your business? I used everything in my teacher retirement to get started.

What was the worst thing that happened to you? One of the worst things is stereotyping and not always being valued as much as my colleagues of other races.

What was the best thing that happened to you? Touching lives of children and youth across the world.

When starting, did you have to reorganize your finances? It was easy, I had to scale back financially. For the first few years I acted as if I lived in poverty. I lived way below my means.

Any advice on how to do the things you want to do? Have an attitude, that says not impossible, but I’m Possible. Make certain that your passion is something that will touch the masses. If your goal is to serve others the wealth will come.

Words of wisdom: Leap off the mountain and grow your wings on the way down.
Successful can mean only touching your inner circle. When you are SIGNIFICANT you touch the masses.

I am Excited

Last month, I made some adjustments with my bills.

Cut Backs
Mediacom: got rid of HBO and Cinemax. Old bill $124.00. New bill $85.00
TMobile: added more minutes for $50.00. Old bill $100.00. New bill $55.00
SunTrust: $608.63 having old with their insurance. $580.56 with my own insurance.

This saves a few bucks for the month. That is always good. I am so proud of myself for saving something.

I came to Atlanta for the weekend. I thought that I should get me a few things. Nothing much, just something because I deserve that. I know that whenever I owe, I should not purchase, but put that money toward that bill. Ok, this is my celebration.

Celebrations
Shoes: $47.00
Old Navy: $60.00

Overall, I know that I will get my finances together. Thinking about it I do have bills, but at least for the month I will not be overdrawn in my account.

I checked on getting the back speakers fixed for Liam. That should be $170.00 to get that fixed. My plan is to get things taken care of slowly. Pay off debts and get Liam fixed all at the same time.

This month I had to do more payments out. Purchasing tickets for the Teacher of the Year Gala. All of my checks have cleared too I believe.

May Debts
Tmobile $55.00
Knology $70.00
Mediacom $85.00
Credit Card $150.00
Braces $109.00
Wachovia $125.00
US Dept of Education $25.00
Walden University $800.00 last payment

Walden will be paid off at the end of the month too. Once my grades are done, my GPA will be up and I will be able to receive financial aid. I have already applied for financial aid.

Deficient In Escrow
As for the property that I was having the insurance problem with, the property's mortgage has dropped. Now, I need to pay off my escrow balance which is $1000.00+. The crazy thing about that is I don't know why it is negative.

The money that I will have left over for the month will go toward Wachovia. The quicker I get rid of debt, the better off I will be.

If I could get more properties I would, but my finances are not in order. Multiple streams of income is what I am working toward. I can do it. It is up to me. Where there's a will there's a way. Some money and put money on debts.

Sorting Things Out Takes Time

I read that your thoughts tend to cause somethings to occur in your life. I don't know what. For me, when I think things are going smoothly, something financial rears its ugly head onto my credit report. Don't create anymore debt. That's what I thought I wasn't doing, but I guess I was in so many words. Below you will find my financial obligations.

I don't want to seem so negative because believe you me I am not. When I keep getting hit with bills coming from who knows where I just get frustrated. All I am saying is pay attention to your finances. Don't let anyone handle your money. Get help.

Tax Lien: $11,000 just appeared on credit report this January

Walden University: $1,660 tution owed due to being on academic probation

Wachovia: $2,954.84 student loan from 1995

This is just a quick synopsis of my financial obligations. I don't know what vibe I am putting out to keep getting all of the unnecessary bills. One of my goals last year was to have a 700 credit score. Everytime I got close something popped up. Honestly, I am tired of going through this. Having multiple streams of income has assisted me in paying these debts off.

The tax lien has allowed me not to be able to move. That was a big goal. Enough of that.

Things tend to be working out. At least I have enough cash to handle my bills, that is a blessing. What I am going to do is take every day one day at a time and pay these things off. Regardless it is up to me to handle my debts. These are my responsibilities. I will get them taken care of for myself and my future.

Multiple Streams of Income

Saturday morning on my way to do a moving job, I thought of this Multiple Streams of Income. I truly understand what that means.

Multiple Stream of Income
This is when you have more then one way of making money. For instance, I am not one that acts of if I have all of these things going on. I have created Multiple Streams of Income.

1. Teach full time
2. Moving Company
3. Tutor
4. Betty's Only a Candle Company
5. After School and Saturday Programs
6. Rental properties

This makes me proud of myself. I live my life daily, but have never stopped to realize that I have things under control. There is extra cash coming in. Organization of finances will help to stay on top and achieve financial freedom.

Think of all of the things you can do. These are ways of generating extra cash. The main objective is to have positive cash flow. Put some extra time toward realizing the person you are, who you want to be, and where you see yourself in the future. The time to start is today. We all have gifts that were given to us, it is up to you to determine what that is. Don't let your gifts go to waste. One day you will wake up and see all of the time has passed you be. Do something with what you have. If you don't use it you will lose it.

My multiple streams of income are just right for me. My full time job is teaching. There I am able to work the after school and Saturday school programs making my hourly rate. My moving company was started because my cousin told me of having my own moving company. The jobs come to me, I don't have to do anything just provide the workers. This is with UHaul, I am a subsidiary of their company. I went online and signed up at Moving Help. I created my moving company name, how much I charge, and how I want to get paid. Very easy wa to make extra cash. Started tutoring a friends cousin. 15.00 an hour. I also make candles that I haven't been promoting. There are something I need to implement with that. I have two rental properties. Losing money in one, but making money in the other. Thinking of changing that one into a personal care home. That way I can make more money and provide housing.

Do what you can with what you have. Always put your best foot forward. Things do not have to be that way always. See how you can create muliple streams of income. It will be worth it in the end.

Tax Liens and How they can Affect you

Previously I discussed having a tax lien on my credit report pertaining to a vehicle. I have learned a lesson and have taken full responisibility for the debt that is on my credit report.

3 Things You Should be Aware of

1. Don't give someone your social security number: I allowed my brother to put a car in my name. I never drove the car, rode in the car, or anything of that manner. Now I have a tax lien on my credit report close to $9,000. First, I permitted him to use my SSN to put the car in my name so who is at fault? Mine, of course.

2. Ask about the taxes on a vehicle when you purchase it out of state or in another county: When I first inquired about the lien I was told that it was dealing with a Cadillac Escalade. I disputed it and of course it didn't come off. When I went today, it involves that vehicle and my old truck. Both cars where purchased in other states and the tag was issued in GA. Because the tags where purchased here, the company didn't charge taxes on the vehicle. Please ask if the will charge you tax so you don't get caught years later owing a debt that you are unaware of.

3. Stay On Top of all debts: If you receive documentation stating that you owe anything contact them and ask what it is. See if they can provide some background information to let you know what it is specifically. Debtors do make mistakes so if you feel that it doesn't belong to you dispute it. If it doesn't it will be removed from your credit report.

The Light Makes Things Clearer
This situation has brought me to the light. I was unaware, now I am glad that I found out. I asked her to explain it to me so I would get a clear understanding of what was going on.

I have to pay my part. There is a third party helping me with this situation with my relative. He has to do his part because he was misled.

Where there's a will there's a way. Things happen for a reason. I sometimes question why they always happen to me. Maybe it's not the time for me to experience whatever. Don't fret because trouble doesn't last always. I know that financial success will be mine. I just have to move forward and do the best with what I am given.

More Money More Problems

It's a rainy morning here in Columbus, GA. That doesn't stop the fact of bills having to be paid and life moving on. Regardless, things are constantly moving forward. It is how you handle situations. Stress doesn't make anything change, maybe your emotions and some physical aspects of yourself. The stress will not make the bills or problems go away. Maybe this seems to be somewhat gloomy because I may be tired, but really there is nothing wrong.

Like I stated in my previous post, I did receive my tax return. I paid off several bills, this put me a month or so ahead. School is another thing. There are so many things to do and all of the time in the world. 24 hours just doesn't seem like enough time to do anything especially when you work from 7:40 am-4 pm daily excluding Saturday and Sunday.

Bills
US Dept of Education $13,709 + (putting $25 a month)
Wachovia $2,795.34 ($168.00 a month until paid off, depends on other obligations)
Walden University $2,810 ($2,000 I have to withdraw $ from other account)
Tax Lien $8,000 (this is some bull, don't have anything to say, but I may have to take care of this on my own)

No Grocery Shopping for Me
Due to all of my financial issues, my other half went grocery shopping for me so that saved about $200 for the month. That is a blessing in disguise, thanks for all of the support!

Spring Break
Friday will be the last day before spring break. Really thinking about going somewhere that I will not have to spend much money. Medieval Times in Atlanta. If we go there we can stay with one of my friends and just pay for gas and the tickets. It all depends. Will sort out plans today! As a matter of fact, right now, my main thing is paying off school. I must register for my classes. Can not be left behind.

Thankful for Progress
I am thankful for all of the progress that I have made. Reading PF blogs has really been a support for me. If they can do it I can too. Multiple streams of income is what I am striving to achieve.

Flood Insurance
I did get the flood insurance on my property which I may never use. The city did some rezoning. Last year was the first year of needing the insurance. I didn't get it on my own, so SunTrust got it for me. The policy with them is $700 for the year. State Farm offers it too, that policy costs $580 a year. I faxed the policy to SunTrust last night. I will get an updated mortgage payment. Having a cheaper policy will drop my monthly mortgage payment some. That is a good thing.

Taking One Day at a Time
There are so many things that I want and need to do for this blog. I will take my time and get things together. Maybe I will help someone with their finances. It is hard, but overall it is worth it, seeing financial and personal growth. I am glad that I decided to start my blogs.

The World Keeps Turning

Good morning,

Everything is everything! Been working on getting finances organized as usual and paying off bills. Many things have been going on, but for the most part, I have been doing homework and staying focused on main goals.

Started tutoring a kindergartner for $15 an hour once a week. I also started working the after school and Saturday program getting my hourly rate. Overall, this will be 5 extra hours a week of my hourly pay! That is great! Even though I have the lien still, my taxes were not taken so I have that money too. I went ahead and paid some of my bills early. I paid $90 on the water bill, I will not have to pay that until June. My goal is to get ahead.

Still have to pay for school. All of that is figured out. Overall, I have my best foot forward and I am looking forward to doing the right thing with the money that I have been given.

Large Debt

US Dept of Edu $13,734 + ( send $25 a month until other bill paid)

Tax Lien $8,000 + (rewrite letter to credit bureaus if doesn't work will get a lawyer)

Wachovia $2,953.34 (paying $168 a month)

Walden University $4310 (pay $3260 end of March)

There are other debts too, but these are the ones that I am focusing on.

Cut Backs

I did get rid of HBO and Cinemax as I stated, that will save about $300 a year. Via Facebook, there was this application that started charging me $10.00 a month to receive messages on my cell phone, got rid of that.

I also went to Sam's to do my grocery shopping for the month. That made me feel grown. I have food for the next few weeks still. The only things that I need to buy are some vegetables.

Things are looking good and I can see the forest for the trees. This money thing is really not that bad. Its just a matter of staying focused on putting your money in the right places.

With my tax return, I now have an emergency fund that I will keep in case of emergencies. I don't and will not waste this tax return. It is crazy how you get that money and it goes through your fingers like the sands of an hour glass. I refuse to waste that money. A part of my tax return is going to pay for school ($1500 to be specific). School will not be paid for until the end of March. At the end of the month, I will pay $2500 to Walden and owe I $1810 that has to be paid by the end of May in order for me to register for the next term. I also paid Knology, Mediacom, the water bill, my braces, and Wachovia ($531.94).

School

I will have it paid for by the end of May so that I can register for the next term. I went ahead and applied for financial aid too. The reason I have to pay for school on my own is due to being on academic probation. Once I get off of that I should be able to get financial aid.

Tenants

One of my tenants is moving out at the end of August beginning of September. I am losing money at this house. I want to maximize my profits. Been thinking of turning that house into a Personal Care Home. Got the application off line filling it out now. I know it will take dedication and hard work, but I am all about doing what I can with what I have. Having a personal care home will give me more money for the house. I will be able to employee people and be a manager. Anything worth having is worth putting time and effort into.

The Time is Now

There have been many things going on in my life. The main one is maturity. This has been an ongoing process for me. I don't know when it actually started to happen, but I know it is relevant in my life. I look at money in a totally different light. Gradual changes have taken place for instance: cutting up my check card, taking money out of my account monthly, bringing lunches to work. There are more, I just have to think about them.

I wasn't going to post, but I got the posting feeling. Overall, things are good. Am I overdrawn in my checking account, yes. Why, something did an automatic withdrawal that I wasn't ready for. I actually needed it so I didn't ask for a refund.

Big Steps
Today, I called to get my due dates changed for my cable and phone bills. Tomorrow, I am getting rid of HBO and Cinemax, these two channels will save me about $25.00 a month totalling $300 a year. The reason I changed my due dates is that with my cable bill I am not meeting the date so $5.00 is added to my bill. That's not much, but it could go to something else. I also need to call my insurance company because that is an automatic withdrawal when I don't have the funds in my account. This totals a $35.00 fee. Not good.

Finished bills
Liam $0.00 (received title)
ING $0.00
debt on credit report $0.00
This saves $380.00 a month to go toward any debt I choose.

New Bills
Walden University $4,310.00 for term
Wachovia $3,170 since 1993
US Dept of Education $13,784 (since 1993)

PhD Educational Techology
As for Walden, this will be paid off by the end of May. This is the only way I will be able to register for the next term. The way I figure, taking one class per term and completing one KAM per term, I will be finished with all courses and KAMs by August 2010. Being on academic probation is why I am paying for school. This will save money in the long run because it will be one less loan I have to pay back. I may have to pay for the next term too. It goes from June to September. If I do, that will be fine. In the meantime, I am going to apply for financial aid because my GPA will be up at the end of this term.

1993 Student Loans
Wachovia and US Dept of Education are loans I have had since 1993, that is ashamed. I am ok with that. Due to my job position I am eligible to have money taken off of my loans, but I can't have a loan prior to 1995. These must be paid off by the end of the school term 2010.

This is my plan:
Walden University : $1,437 a month until it is paid off
Wachovia: $25.00 a month until Walden taken care of after that all goes to Wachovia
US Dept of Education: $25.00 a month until Walden and Wachovia paid off

All of these are big ticket items. I know, but when life gives you lemons it is up to me to make lemonade. I sometimes wonder why these things keep happening to me. Is it because I thought it or am I being tested? Who knows, all I do know is that it is up to me to do the right thing and handle my finances.

Cutting back and maintaining are all apart of the plan. Going to the bookstore and reading personal finance books have made me think a little different. As long as I owe, the money I make is not mine. There are stories where people go on big vacations and have debt. The money spent on the vacation could have gone toward the debt. That made me think of myself. I want to take a cruise during Spring Break, but I can't do that. The money that I was going to pay for the cruise needs and will go toward paying my tuition to Walden. I will be Dr. Willetta Jackson.

We are half way through the month and I did a big thing. I went to Sam's and did my monthly grocery shopping. The items that I purchased will last for a while. The only things that will needed to be purchased are vegetables. I am proud of myself, shopping at Sam's made me feel grown. Honestly, there will be enough food left over for the next month.

Things are looking good and I am ready for the future to take place. I know what my finances are and where my money goes, now it's up to me to cut back and put the money where it is needed.

2010 is rapidly approaching and I have been teaching for 10 years. I have much to show, but there is so much more I could have done with the money I have made during this time. The time is now to make a difference in what I have been given. It's not about having the biggest house, the nicest car, or the most lavish parties. It's about making your money work for you. Knowing is half the battle. I know and now I am willing to make a change.

Something else, our vehicles take away from the cash that we have. Monthly payments, insurance, maintenance, upgrades, all of these things cost money and take away from other things you could be doing.

Liam is paid for. This is a list of all the things needed to be fixed on Liam, mind you Liam is a 99 Land Rover.
oil change and tune up
headliner
drain cleaned for sun and moon roof repaired
new tires
park light replaced
power steering
back speaker
new grill
back windshield wiper
back red light
power locks

These are not major items, but I will get the least expensive item fixed first and work my way up. When it rains it pours, but I love walking in the rain. Things will work themselves out and I will be successful in my endeavors.

What are your Future Plans?

There are many things that are going on in today's world. It is up to you to make the decision to do the right thing at all times. Life happens and I know it is hard to stay focused and motivated to stay on top of your goals. When it is all said and done you are the one in control of your life. It is easy to make excuses for the things that we do, don't do, or mess up on, but ultimately it is our responsibility.

100 Things You want to Do

When you have a chance, write a list of 100 things you want to do in your life. No matter how menial or boring you may think it is write the list. The purpose of the list is for you to think outside of the box. We get so caught up with what we see others have that we lose site of what is important to us. Live for tomorrow. Eventhough today is here, what we do today can have a drastic influence on your life tomorrow.

Writing the list will broaden your horizons and it may open your mind to new things. Step outside of what you see on a daily basis. The world is a vast place and there are many things to do that you would never imagine. Break the cycle and be your own fire starter, do things different you will not have any regrets.

My Financial Future

I no longer have a car note. That is a blessing in disguise. $311.56 will be going toward a undergraduate loan. As long as I owe, the money I make does not belong to me.

I cut my minutes on my cell phone to 600 a month. I also cut my text messages from 1000 to 500.

Now, I have to work on the cable. I need to decide what channel(s) I am willing to let go. That is crazy, I don't watch that much tv, but it does come in handy.

I also paid off ING. That is $69.00 saved a month.

I checked out my credit report and I had a $80.00 debt. I mailed that payment off last week.

As for the $8,000 lien on my report, I haven't heard anything back.

School has started back. $4,280 will be paid by the end of May. It must be paid or I can't register for the next term. Can't go into a term owing money. I am not sweating this it will work itself out.

Overall, I am Proud of Myself

Overall, I am proud of my financial success thus far. There will be stumbling blocks, but it all depends on how they are handled. Right now, I have my eye on the prize. My prize is eliminating all of my undergraduate debt. Once, this is done, I will qualify to have money taken off of my student loans due to working in a Title I school.

So, congratulations to me for the things that I have worked through. It hasn't been a walk in the park, but it has taught me how to handle my finances. I know what to do.

I am Proud of You

Congratulations to you if you have started working on sorting out your money. Don't be afraid. Any small step is better then none. Take the time out to get your money in order. I did. If I can, you can too.

Special Thanks

Retire at 40

Millionaire Mom Next Door

I follow your blogs and I am glad that I do. Your posts are very inspirational and motivating. Thanks for being out there for me to follow.