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Wealth Building Guru Blog

Tips and Ideas To Help You Reach Your Financial Goals

I'm back!

July 31, 2018

Hello everyone!


I'm sorry that I've been M.I.A.  It's been too long since I wrote you guys! I wanted to give you an update on how things have been progressing here at LH Financial Health Mentoring and what's coming up next.


I have always had a passion for being a mentor and coach. Whenever I worked a 9 to 5, I've always been the consultant, coach, mentor, advisor, or go-to person. I enjoyed jobs that gave me the opportunity to take on these roles. So quite naturally when was thinking of starting a new business I, knew that I wanted to be a mentor. 


Nearly 2 years ago I "officially" started my financial health mentoring business by helping my family and friends to better understand their credit, so that they knew their borrowing power. While helping my circle, they began to tell other people how I could help them. 


As my business began to grow, I saw that the people I was mentoring had a greater need. They needed to understand and have a clear plan for their financial futures. This felt so natural to me.  I finally understood what God wanted me to do with my career. I quit my 9 to 5 and began to focus full time on my mentoring career. I can admit that it wasn't easy and there were times that I considered getting another job. But deep down inside, I knew that this wasn't the right thing  for me to do. 


Instead of getting a another job I sat down and looked at the areas that would most benefit people and ultimately what I was good at doing.  I reorganized my company and changed my business plan a few times. This allowed for  the expansion of my business and my vision.


Now what's next? I've started building my team of others who are as passionate as I am to help people who have a dream of having healthier financial future.  I will write more blogs (of course), upload more videos to my social media accounts, and hold classes achieving better financial health.  


I'm so excited about all the great things that are on the horizon! I want to thank everyone that has been patient and supporting me. Without your encouragement, I wouldn't be here today. I hope that you continue to support me and LH Financial Health Mentoring. Please follow me Facebook, Instagram and Twitter. I share tips daily on one of them. 


Again thank you so much for your support! Stay tuned for much more.


Shawn

Wealth Building Guru Blog

Tips and Ideas To Help You Reach Your Financial Goals

12 Ways To Save During The Holidays

November 30, 2017

With the holidays approaching, I thought it would be a great idea to put together ways you can save money over the holidays. It can get a bit expensive buying gifts, decorating, and buying yummy foods, so I wanted to think of some ways to save during these expensive times. Check out some ways that I save


1. Always Google Search – I'm a bargain hunter and before I buy anything, I always go to Google to check on the prices. I've saved money so many times just by doing a quick Google search. For instance, let's say I’m buying my nephew a new toy truck at Walmart, I’ll Google the truck quickly and I’ll see if it's cheaper anywhere else. Sometimes it will be even cheaper online through than going to the store.


2. Wait For A Sale – Almost everything goes on sale at some point. I don't usually buy anything that’s not on sale. I try to start shopping early that way I can usually always count on a sale. Don't forget to check the CLEARANCE sections too. You can find some amazing deals that may be nearly 50% to 70% off.


3. Check For Coupons – Places like Kohl’s, JC Penny’s, and Toys R Us usually have coupons. Again, just do a quick Google search and check. Remember to always check for coupons if you’re shopping online. Many times you can find a coupon that can give you free shipping.


4. Call And Ask – If you happen to be placing a larger order on websites such as Overstock or Nordstrom, but your search for a coupon has come up empty, just take a second and call. Just say “I'm about to place an order, do you have any sales or online coupon codes?” Sometimes they say yes and you land a coupon code for 10%, 20% or 30%. They may say no, but it doesn't hurt to ask, right?


5. Split The Difference – This is great when you have a big family. For example, if Mommy wants something that’s a little more pricey, you can all pitch in to get a joint gift. This is also a great idea if you have a smaller budget but you don’t want to buy something super cheap.


6. Use Cashback Sites – There is potential of saving hundreds of dollars depending on how frequently you shop and how much you spend. Sites like BeFrugal offers cash back at over 5,000 online retailers with the average cashback offer at 7%. BONUS: BeFrugal also offers coupon codes! This could mean double savings!


7. Buy Second Hand Items – I know you are probably thinking "No way am I doing my holiday shopping at a second hand store!" Hey, I often find brand new, specialty, or one of a kind items when I shop at Second Hand and Consignment Stores. I like to give thoughtful gifts. Many times I find unique gifts for the people I love and they never know that it was bought second hand.


8. Plan Your Meal Ahead – There are added expenses with holiday meals. You may be hosting extra people in your house during the holidays, having a party, or cooking the big dinner. Plan your meals ahead of time, in the weeks before the holidays, pick up ingredients each time you grocery shop and you won’t feel the extra weight of a holiday grocery shopping trip. Also take advantage of grocery store savings clubs and using coupons.


9. Shop With Gift Cards – Don’t just buy gift cards for people on your list, use them to shop! When you use a gift card, you will limit your spending. Load the card with the budget for the store you are visiting and only take that card! To save even more, seek out discounted gift cards. You can find these on Ebay where they are discounted anywhere from 5% – 10%.


10. Ship Direct – Save money by just shipping directly to the person. Many sites like Amazon have a gift option which even wraps the gift and sends a personalized note. And if you're like me, I hate wrapping gifts. This can give you one less present to wrap!


11. Try Handmade – Do you have a knack for creating something awesome? Can you turn something (like sugar) into something more personalized? Handmade and personalized items are always a hit for friends and grandparents.


12. Shop After The Fact – I like to buy decor AFTER the holiday. They always have great sales after the holiday. I just then use these items for the following year. You can never go wrong stocking up for next year!


What tips do you have to save money for the holidays? I would love to hear ideas you have to make your money stretch. Please contact me and let me know how you prepare financially.


Shawn