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Even just 15 to 20 minutes a day to get quiet and relax can do Many parents are nervous as the new school year approaches. Their child is anxious.

Fortunately, there There is too much going on in my life to allow nit-picky things ruin my day, my Stress is a killer and becoming the number one killer of women heart attacks anyone?

What is Stress? Managing your finances is never simple, but a divorce can make it far more complex. By establishing a plan and relying on professional help Being a mom is a full-time job.

Between work, taking care of the kiddos and keeping the home from being a disaster zone, it can be pretty exhausting. This weekend is the beginning of summer travel and road trips!

I created a short video you can check out below but I really want you to get My mini vacation was fantastic! Well I was.

In fact I had my first trip out west ever in all of my something years. There is a saying that a mother's job is never done and although this may be true, you still deserve a break once in a while.

Our year of travel continues. Some options include:. Walmart and many other retail stores will cash a check—for a fee.

To cash a check at Walmart, you need to physically visit the store with your check and a valid ID. A money transfer, or ACH, is a way to electronically move money from one bank account to another.

Both of these services charge a fee based on the amount of money being sent and where it is being sent. If you do have a bank account, then transferring money through your bank will usually be the cheaper option.

How long it takes for a money transfer to go through will depend. If the account is with a different bank, it can take between three and five business days for the money to clear.

A money order is a lot like a check. But you also might not want to send a personal check, which carries your personal account information that could be stolen and used to steal your identity.

A money order gets around both of those problems. You can get a money order from your bank or credit union, the post office, a check cashing service, a local bodega, or even a major store like Walmart.

Of all of these options, your bank is likely to offer the lowest fees; some banks will waive fees entirely depending on the type of account you have with them.

Whatever you do, try to stay away from kiosks like Coinstar machines, which can claim as much as 12 percent of your haul just to exchange coins for paper cash.

According to the Pew Charitable Trusts , approximately 12 million Americans borrow payday loans each year. The majority of those borrowers are unmarried women between 25 and 44 years old.

The problem with this is that payday loans are some of the most expensive forms of debt out there, far surpassing the interest rates charged by credit cards.

If you really need money before you get paid, a payday loan should be your last option. Some alternatives to payday loans include:.

Payday loan operations are located disproportionately in low-income neighborhoods with high numbers of people of color. I do not recommend payday loans, and endorse laws that restrict predatory lending.

If you are stressed about money, chances are that you are also financially unorganized. Are your debt and credit scores a mess? This may include failing to open bills, ignoring due dates, missing payments and looking the other way, or humming and tapping your foot when friends bring up investing.

First things first: Get real with yourself. This means opening all your bills as they arrive. No ignoring them. This is adulthood! Second, plug all your accounts into a third-party app like MoneyPatrol.

MoneyPatrol helps you plug in all your bank, credit card, brokerage, checking, debt, investment and mortgage accounts to get a snapshot of all your finances, and create a budget.

One of the best advantages of MoneyPatrol is that it syncs with all of your bank accounts and credit cards and categorized all of your transactions.

Once you understand where your money is going, time to cut the dead wood. You know the usuals: gym memberships you don't use get real with yourself, sister!

Plus: plenty of free ways to work out. One favorite tool is using a bill negotiation service to cut spending. TrueBill monitors spending for free using your bank and credit card accounts, and highlights recurring subscriptions — then will cancel for you any that you want to stop.

These include:. Even if you and your child's other parent are not court-mandated to use a co-parenting app , a program like Our Family Wizard can help not only keep track of kid expenses, and whether they were reimbursed by you or your ex, they can also help you maintain a co-parenting schedule, improve co-parenting communication and share information like contact and medical info.

There is no reason to write paper checks to pay your bills. For everything else, go online or call the utility, insurer, bank or service and set up automatic payments.

Many places will give you a buck or two discount each month for making your own life easier! The next step is to set the due date for as many bills as possible to the first of the month.

Perhaps your cash flow does not allow for all your bills to clear at once, but that means that you are spending a lot of mental energy and stress worrying that paychecks will clear before bills hit.

No more trips to the mall or Amazon. If you are broke, shopping is not a hobby you can afford! Financial stress is not a treat — it is self-punishment!

Use up all the cleaning supplies and paper products en lieu of picking some up, blindly, at the market. More about how to make a single-mom budget you will stick to.

You can cut costs like Netflix and restaurants, raise the thermostat, cut coupons, and negotiate your insurance, and other tasks that do help your bottom line, but keep you focused on surviving financially as a single mom, and how to afford to live.

Decide today to increase your income, your credit, your bottom line. Recalibrate your energy into a wealth zone.

There are hundreds of ways single moms can make money from home, in your spare time without having to wait tables on the weekend. Here is my list of top career-level, work-at-home jobs that can earn you in the six-figures or more.

My favorite 57 tools for work-at-home workers , including social media graphics, business contracts and incorporation, tools to build a website, and more.

Fights about money are one of the biggest reasons single moms are not romantically involved with their kids' dads in the first place. The fact that you are now financially free to make good, sound money decisions is one of the most positive, powerful changes in your life.

So is your newly encumbered ability to work and earn more money. You don't have to play to anyone's ego anymore. Do not start to dream and strategize about how the next man will be your meal ticket to a better financial future.

Maybe one day you'll couple with a man who is at least if not more successful for you, and than you, which will bolster your financial security.

Even then, you need to take care of yourself, and your finances, and build a life and wealth as an independent adult woman. Because you are, and you can.

But remember this: That money could go away any time. Plus: It is critical to your ability to move on emotionally in this phase of life if you are not connected to your ex and your former life through bi-weekly payments.

Ignore those people, and contend with those messages in your own mind I've had them, trust me! Worries about living out of a car that I didn't even own, visions of constantly struggling.

Instead, surround yourself with successful, positive people. Identify successful single moms in your own life, or in the world. Cocoon in messages of what is possible.

You absorb it by osmosis. Single moms are statistically poorer and more stressed out with kids who don't do so great when compared with other families.

That is not a sentence for your life. You can do whatever you want, but you have to do it through the lens of a person, a professional, a woman.

Were you offered a promotion of your dreams, but consider not taking it because the travel will permanently damage your kids? Has any man ever in the history of mankind ever had that thought?!

Take the freaking promotion, hire a wonderful babysitter to help you out, get a housekeeper for crying out loud, and show your kids — and the world!

Read more: How to use credit repair to improve your credit score. Are you struggling with debt, or otherwise balancing different credit cards and other bills?

Have a lousy credit score? This is a complicated, time-consuming juggle that you need to deal with ASAP! The answer likely includes a combination of a strict budget, debt pay-off plan, and credit repair.

The Credit People is an affordable credit-repair company that assigns a single customer service rep to improve your credit score quickly and affordably.

How to repair your credit — should you DIY? Compare this to the 64 percent of successful retirees those who claimed to be comfortable in their retirement who saved and invested during their 20s and 30s — prime baby-making and raising years!

Short-term goals might be to pay off a credit card bill, build an emergency savings account, or save up for a vacation. The last thing you want is a complicated investment strategy — or a high-fee broker who you may or not trust.

I'm a big fan of Betterment , which has a really cool and free goal setter on their beautiful website, founded by Wall Street legend Sally Krawcheck.

Plug in your info and goals, and in 10 minutes this free financial planning tool will outline what it takes to reach your financial goals.

Be sure to invest in the stock market, especially robo-advisor managed funds. Betterment is a robo-advisor, which means that sophisticated computers manage and grow your money for you — the benefits of which are very low fees, as well as much higher returns when compared to what you get when humans manage money, studies find.

Benefits of Betterment include:. Learn about investing basics in this post. Your financial goals likely include both building an emergency fund and paying off your credit card debt.

Answer: Both! Related: 9 steps for single moms to pay off debt for good. Were you offered the promotion of your dreams, but consider not taking it because the travel will permanently damage your kids?

Has any many ever in the history of mankind ever had that thought?! Go after that promotion, hire a wonderful babysitter to help you out, get someone to clean your house for crying out loud, and show your kids — and the world!

Living your greatest potential is the best gift any mother can give her children, and the world. One of the biggest mistakes single moms make is they prioritize saving for their kids' college over their own financial futures.

Compare that with just 26 percent of other modern families who say the same, according to an Allianz survey. The reason may also be that the moms themselves have struggled financially, and hope to lessen that struggle for their kids.

Your kid can get loans for school, you can't get loans for retirement. Financial pros will tell you that retirement savings trump college on all fronts: more tax benefits, longer vestment periods and a higher priority overall.

Plus, your kids will be super irritated if they have to support you when you're old and you could have made better decisions.

Read more: What every single parent needs to know about taxes. Read more about single moms and life insurance in this post. Nobody wants to think about tragedy striking their family, but not planning for the worst could be one of the worst mistakes that you could make.

Bestow offers term life insurance with a quick and simple quote process. If you spend all your free time on housework and errands, you will never break free from your financial challenges and build something new.

There is a reason the wealthy — and even the financially comfortable people — hire out cleaning, yardwork, and other chores: Their time is too valuable doing what they do not enjoy, and they can hire out to an expert, instead.

Invest in a dishwasher and spend that extra time studying for a degree that will earn you more money. Send out your laundry and devote those hours to fun family time.

Just as everyone needs a fitness routine and can benefit from mindfulness or spiritual practice, so, too, is the case with money.

Creating an action-based plan for staying conscious and actively involved with your money habits and attitudes is the essence of financial self-care.

Of course, your self-care practice will be your own. As you commit to and tweak your own wellness practice, you will find that it can feel so powerfully positive that — not unlike a great exercise habit — your whole being will crave it when you miss a day or week.

That is when you know true change is underway. Phone numbers and website links to apply for these free grants are published on our website.

Grants published on our website are made available from a variety of sources -- state, federal, non profit organizations and educational institutions.

If you are looking for education grants, make sure that application is submitted before the deadline. Many other grants might also have deadlines that need to be met to quality for a free grant.

Although our focus is on publishing information on single mother grants, scholarships are not given much importance. If you are looking for college scholarships, readers are advised to look for websites that specifically deal with college scholarships.

Are you a hard-working single mom, looking for a boost to your already forward-moving momentum? Not good as in a sob story, though it may start out that way, but good as in showing progress and making a positive difference in the world.

If this sounds like you then apply for this grant at wealthysinglemommy.

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They were able to come to us after coming to the conclusion that they needed to move in the direction of a professional advertising agency.

First of all, you need to understand that the purpose of advertising is to be noticed and understood. Then again you need to stimulate action and achieve an outcome.

Based on this fact you need to understand the way you need to design your advertising campaign. Make sure that format for your advertisements is distinctive and recognizable and use this style consistently.

Make sure that the advertisement is well-organized and easy to understand. Try to include relevant information like opening and closing hours or your address to help your customers in gaining knowledge of what they may want to know.

Always provide your contact information so that your customers can contact you if they require. For instance, if you want them to visit your website then provide the link and if you want them to visit your physical store then provide the address.

If at all you include prices, you should ensure that they are easily found and remembered. Always make sure that all the information like contact details, product information and prices are updated on a regular basis and are accurate.

The language you use should be simple and direct with words that the common man can understand. Notice how these Tulsa painters present their website with clear and direct approach.

It is also important to make your USP clear and recognizable. As mentioned above, study the psyche of the target audience and appeal to it so that you can spur them to take action towards the growth of your sales and profit.

All said and done as mentioned above it is always better to leave the job of designing your advertising campaign and also the advertisements to a professional ad agency.

Advertising may seem to be easy, but actually, it is a complex and tough process and due to your other core activities you may not have the sufficient time to devote to creating an advertising campaign.

Our vision for our clients is to help them grow in their ability to make money. We believe that there are so many people out there looking for the right opportunity to help them move towards a successful life.

Between work, taking care of the kiddos and keeping the home from being a disaster zone, it can be pretty exhausting. This weekend is the beginning of summer travel and road trips!

I created a short video you can check out below but I really want you to get My mini vacation was fantastic! Well I was. In fact I had my first trip out west ever in all of my something years.

There is a saying that a mother's job is never done and although this may be true, you still deserve a break once in a while.

Our year of travel continues. It was really a treat for us because we had never been to Universal Studios. Being a parent blogger I had the opportunity to learn about the Family Forward Last month when my daughter and I visited NYC we knew we wanted to see all the traditional sights.

With only three days there I knew it could get pretty expensive and confusing to navigate everything. Maybe it's because you or him have daddy issues!

Also, learn how to put BGSI, through its various divisions — bgsipayments, bgsicoaching, bgsiacademy. Mariana is originally from Rio de Janeiro, Brazil and currently live in Massachusetts with her daughter and her ""inherited"" dog Abby.

Courtney Underwood is a single mompreneur and a bawse!!! Courtney's Bio: Courtney Underwood is a speaker, mentor, and entrepreneur with a mission to teach people how to value their worth, set boundaries, and create memories that have a lasting impact.

She equips both Tina C. Hines is a powerhouse single mom of an adult son on the Autism spectrum. She and I discuss the challenges and triumph of parenting a special needs child, making the choice to live life on your terms, and her coaching and retreat business.

It is her job to connect new businesses with the digital media services they need, as well as create beautiful websites and graphics as a Digital Media Specialist.

Her hope is to help new In this belt there will not be the usual tools of such a belt but the tools necessary to make life simple, safe and positive for the wearer and her children.

One of these tools is Read More

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