CashFlow Circle

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Is Your Small Business
Draining Your Personal Finances?

If so, you need to join next month’s Cashflow Circle!

We’re taking registrations for our next Cashflow Circle!  Don’t miss out on this coaching experience tailor-made just for you.

Register today!

Learn in a small group of 4-6 people just like you!

Coaching Sessions will meet every other Thursday night from 7:-00-8:00 pm CST

October 4 – November 15, 2018

We will use video conference and screen share platform and you can dial in if needed. Recordings will be shared within 24 hours.

***Special Offer September 10-30, 2018***

Save over 60% off regular membership to the Cashflow Circle by signing up before September 30.

Membership is regularly $500 per person for the 6-week program. But, for a limited time, you are able to join for only $200!

To qualify for this discount, make your payment before September 30.

Click the Link button below to sign up!


Ready to Win?


Share Your Savings Goal for a Chance to Win up to $750 in the #ImSavingForSweepstakes

To celebrate the upcoming America Saves Week (Feb. 26-March 3, 2018), America Saves is launching the #ImSavingForSweepstakes. It’s easy to enter. Just tell America Saves your savings goal and make a plan to reach it for your chance to win $500 toward your goal, then boost your potential prize by an additional $250 by sharing your savings goal, story, or tip on Facebook, Instagram, or Twitter.

When you’re ready to get started,  you can enter to get your shot at up to $750 at

How to enter:

  • Take the America Saves Pledge and tell America Saves what you’re saving for and make a simple savings plan to reach your goal
  • Make a short video featuring your savings goal by answering at least one of these questions: What are you saving for? What is your savings story and how can it help other people? What is your favorite savings tip or trick?
  • Or take a picture illustrating your savings goal
  • Share your video or illustration on Facebook, Instagram, or Twitter with the hashtag #ImSavingForSweetpstakes
  • Enter for a chance to win up to $750 at

Get creative!

  • Keep it simple by taking a video or picture in front of the item your saving for – like a new car or house
  • Use a video or photo editing tool to put yourself in the frame with your goal – like a trip to the Grand Canyon or Mount Rushmore
  • Use an app to add a caption or some character to your submission

Do you know about Military Saves Week?


As an Air Force veteran, I know how important it is for military members to be aware of their spending habits.  Veterans especially need to be aware of their financial situation because some of us do not have the “dependable deposits” like when we were in the military.  You know what I mean: the 1st and 15th!

Recently, I’ve worked with veteran families who are in between jobs, transitioning out of the military or simply at a loss with how to manage their finances.  You don’t have to be lost anymore.  Join me and millions of others who will commit 6 days to saving.  Are you up for the challenge?  If so, join us today.

Military Saves Week , February 26- March 3 is an annual opportunity for organizations to promote good savings behavior and a chance for service members and their families to assess their own saving status. Typically hundreds of organizations participate in the Week, reaching millions of people.

In addition to supporting Military Saves and America Saves week, I’ll also be hosting a FREE 5-day challenge that week.  In addition to encouraging savings, I’ll also show you how you can Double Down on Debt.


How to win big ($10,000!) and save big at tax time

As a partner with, we often receive great information to share with others about how to develop a savings habit.  As the year comes to a close and you’re in the thick of holiday shopping, I wanted to send out a little reminder about planning a tax time strategy.

If you haven’t done so before, consider joining the challenge and commit to saving part of your tax refund.  Our next post will also share ways you can save money starting with the  New Year!  Easy steps to take as you develop a new habit.  To help you along the way, Commonwealth and AmericaSaves are teaming up to give you over 100 chances to win prizes!  I’m going to register and so should you.

How to win big ($10,000!) and save big at tax time


Did you know that half of all Americans don’t have any emergency savings, yet 100 million taxpayers get a refund each year from the IRS? It’s the perfect opportunity to save!

Each tax season, households making less than $50,000 claim $100 billion in federal tax refunds. If you’re like us, that tax refund is the largest check you will receive all year. But with the holiday spending season in full force, a lot of us are already thinking about what to do with that cash, whether it’s paying off a credit card, fixing the car heater, or taking a vacation.

You can do all those things, but consider saving at least $50 of your tax refund for longer-term goals, like a rainy day fund or a home. Saving at tax time is as easy as filling out IRS Form 8888 when you file, which automatically sends a portion of your tax refund to a savings account.


By making a commitment to yourself to save now, before you file your taxes, you’re more likely to save. >> Commit to saving at tax time now

And to sweeten the deal, Commonwealth and America Saves are teaming up to offer SaveYourRefund with over 100 chances to win $30,000 in prizes, including two grand prizes of $10,000. To be eligible to win, simply direct $50 or more of your tax refund in a qualifying savings account using IRS Form 8888 and fill out the contest form at

But to win, you need to save. Improve your odds of saving by making a commitment to yourself now, early in the holiday season. >> Commit to save at tax time

How to Avoid Holiday Hangover

You know what a hangover is, right? It’s that groggy, headache, nauseous feeling you get when you’ve consumed too much alcohol.  Some of us experience similar symptoms when we’ve consumed too much of the holidays.  That consumption often involves too much spending.  As credit card bills start rolling in, so does a headache, nausea, and grogginess.

But, it doesn’t have to be that way.  Before the holidays start, plan to avoid the holiday hangover.  Here are a few tips to help keep you sober.

Tip #1 – Make a list

 This is the easiest thing to do.  Start telling family and friends now that you will not buy a gift for everyone.  If you want to avoid the holiday hangover, you need to set realistic expectations for your gift giving.  Limit your list to include immediate family and maybe a few extended family members and friends.

Everyone does not have to be on your list!

Tip #2 – Set a spending Cap

 A spending cap is designed to stop you from overspending. Visit the Resource link for a FREE Spending Cap guide to help you with your list.  Once you set your limits, you can withdraw cash and take with you while you’re shopping.  You can transfer the spending amount to a prepaid card to use while shopping so you only spend up to that amount.  My favorite tip is to put the amount you want to spend per person on a gift card and give gift cards for Christmas.  This tip is sure to stop you from overspending!

Tip # 3 – Setup a group gift exchange

The holidays often involve spending time with family and friends.  Use this as an opportunity to cut down on your holiday expenses.  Rather than bring a gift for everyone, host a gift exchange.  Some call it, White Elephant or Dirty Santa, whatever you call it, this type of exchange requires you to only buy one gift and exchange with one other person at the party.  In my family, we only buy gifts for the little ones and we set a spending cap of $5-10.  The adults come together for a family style dinner and we enjoy watching the kiddos open their gifts.  This has cut our shopping budgets significantly!

Tip #4 – Think about your life goals

Christmas comes once a year, yet we often find ourselves paying for it most of the following year.  Before you spend a single penny on gifts this year, think about your life goals.  Will buying these gifts help or hinder you from your bigger goals?  Will buying expensive gifts help you reach your goal of homeownership?  Will using credit cards to buy “guilt gifts” help you save for retirement?

While we all want to share in the Christmas spirit, let us remember one thing; Santa Claus didn’t give away gifts until he was settled into retirement.  If your financial future is shaky, perhaps this Christmas you should be less like Santa and more like Scrooge!

For more tips I learned from Santa, look for my next post, “Last minute gift ideas that won’t break the bank.”



Do you believe that God has called you to a better quality of life, yet, you’re not experiencing it?

Do you make enough money and still have more month at the end of your money?

Do you feel like you’re not ready for coaching, but you want to learn about abundant living?

If you answered Yes to any of the above questions, then our next workshop is for you!

Living Abundantly will present workshops for those who know there is an abundant life waiting for them and they are ready to experience it. If you are looking to do the same thing you did last year, then our workshops are not for you.

But, if you’re ready to step into your abundant zone and trust God to manifest himself in your life and your finances, then you need to REGISTER NOW!!

VIPremium Package

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This package includes all of basic budgeting and Credit Plus services but it is designed for those who want to see measurable changes in their overall financial life.  This package will prepare you to work with a Certified Financial Planner so you can establish wealth building habits.