Recent Divine Discussions

Tuesday, January 29, 2008

Steps to becoming my own boss

I have always wanted to be my own boss. In college, anytime someone would ask me where I see myself in 5 or 10 years I would always say I would be owning my own business. And majority of the time the person would give me that look. That, "Yeah, sure you will" look. How I hated that look. I used to let it get to me but as I matured I started to use it as fuel. I relish the day when those same folks would be browsing the net or watching t.v. and see my name flash across the screen with the wonderful words President or Founder trailing right close behind. As much I have been talking about it the last 5 years, it is time for me to create a plan and put that plan into action.


Lawd where do I start? What do I do? I am excited yet frightened at the same time. I have been searching the net for what steps I need to take. I know some of the basics but I am afraid that I may leave some crucial steps out. I want to make sure I take every step I need to to accomplish my goal of entrepreneurship. I am not expecting to be a bona fide business owner by the end of this year. I just want to be able to get my foundation laid out at least. This is what I was able to compile together:

  • 1. Mini-Business Plan
    • *What product(s) am I offering?
    • *Who is my target audience?
    • *Goals for starting my business?
    • *Where do I envision the business 3-5 years from now?
    • *Does the business suit me?
    • *Can my business make money?
    • *Type of ownership structure
    • *Business Name
  • 2. Research
    • *Companies offering similar product(s)
    • *Market analysis
    • *Start up costs
    • *Start-up financing sources
    • *Small business grants
    • *Tax information
  • 3. To Dos
    • *Obtain a business license
    • *Obtain a federal employment identification number (EIN)
    • *Market analysis
    • *Marketing plan
    • *Create my business plan
    • *Build my portfolio (business kind)

My plan for this year is to get the basics down:

  • * Mini-Business plan
  • *Research
  • *Education
  • *Market analysis
  • *Network
  • *Freelance
  • *Build my portfolio

I really don't want to give away my entire business plan but I will give a short summary of what I am envisioning. I would offer two products: database creation and operation analysis. Essentially I would offer small business solutions. My target audience would be small businesses.

I currently have two "jobs" from my church that I am doing and will use to start up my portfolio. I am of course doing the work for free. I was explaining my business idea to a church member, who is also a family friend, and she felt that I would be able to help her with her current dilemma. She was in charge of doing a zoning analysis the for entire church and had been using excel. She sent me the information she has collected thus far and I will be working on creating the databases for her this weekend.


What do you guys think? Any suggestions?

Tax Rebate

Everyone has been talking about Bush's plan to stimulate the economy in the form of tax rebates. I won't go into much detail about this plan. In a short, each individual will receive a tax rebate of at least $300 as long as they earned at least $3000 in 2007. The purpose of the rebate is to encourage consumer spending in order to avoid a recession. Some have reported that the checks will be mailed out by June while others report that they will start mailing out the checks at the end of June due to the tax season. I am not sure which it is. Hit me up with a comment if you know.

Below is the Economic Stimulus Tax Rebate Calculator. You can use it to see if and how much of a tax rebate you will receive (thanks to Single Ma):




I am calculated to receive $600. At first I planned on using the rebate check to pay down my credit card debt but I have two other options to add to the mix. I can use my tax rebate to do one of the following three:
  1. 1. Pay down my credit card debt.
  2. 2. Pay for Fall tuition and books for graduate school.
  3. 3. Use for July trip to Essence Festival in New Orleans.

I'll make a decision when I receive the check. I don't know what my financial status will be when that time comes but it will definitely be the deciding factor.


What do you plan to do with your tax rebate?





Monday, January 28, 2008

2008 Career Development Plan - revamped

I had a good friend look over my career plan for this year and he offered some very good advice. I am very serious about the goals I have laid out for myself this year. Over the past few years I have allowed fear or failure and the comfortability of my present state to hinder my steps towards success. No longer will I create a plan of action only to procrastinate and push it off to do next year.

So in order to make my plan more concrete I have given myself a deadline for each particular tasks. I incorporated these deadlines into my Windows Calendar (awesome program). I also incorporated each specific task into the my calendar and set alarms. Definitely procrastinating on this plan. Below you will find my updated career plan. I also updated my original post: Check that out here.


CAREER DEVELOPMENT PLAN FOR 2008

GOALS:

TASKS:

    • - FE EXAM:
      • > Register for the April FE exam - 1/11/08
      • > Study with co-workers - 1/08 à 4/08
      • > Take and pass exam – 4/12/08
    • - FURTHER DEVELOP EXPERTISE IN DATABASES:
      • > Access – 3/15/08
      • > Oracle – 5/15/08
    • - AUTOCAD:
      • > Complete AutoCAD Training CD – 3/1/08
      • > Take online AutoCAD training courses – 4/1/08
    • - PRO E:
      • > Search for Pro E training material – 6/6/08
      • > Search for online Pro E training courses – 6/6/08
      • > Take online Pro E classes (if Applicable) – 6/6/08
      • > Talk to mentor at job who knows Pro E – 6/6/08
    • - GRDUATE CERTIFICATE:
      • > Meet with advisor in program – 4/16/08
      • > Admission requirements – 6/15/08
        • + Online admission application
        • + Residency Classification
        • + $30 app fee
        • + Immunization form
        • + Official transcripts
      • > GRE needed? – NO
      • > Course load? – 12 credit hours minimum
      • > Obtain schedule of classes – 5/1/08
      • > Secure funding – 5/1/08
        • + Scholarships
        • + Grants
    • - ONLINE CERTIFICATE PROGRAMS
      • > Complete Management and Business Administration program – 7/1/08
      • > Complete Finance and Investing program – 8/1/08

At first I was combining my business development and career development into one plan. But each area requires a detailed and specific plan of attack so I have decided to keep them separate. Dimples' steps to becoming her own boss coming soon.

Friday, January 25, 2008

It is tax time!!!

I did a preliminary run through of my taxes on TaxAct last night. I used their Deluxe version. Currently it has me at a refund of $1172. Definitely not the $5K I was hoping for. Last year I received a tax refund of $3000. But I made $13K more than I did last year. That put me way above the EIC income limit of $34K and I couldn't even get the child tax credit either. *sigh*

I am still waiting on a couple of things, hence the "preliminary" run and not an actual one. I am not sure if the few dollars I made here and there from credit card bonuses and survey sites needs to be claimed. I believe the credit card companies "said" they will be sending me a 1099-Misc form for the money I earned from them.

I am also going to look into hiring an accountant to do my taxes. Hopefully I can see what number they come up with before I actually give them the go ahead. I must admit that I did not understand some of the questions in regards to itemizing my deductions. I winded up with about $14K in itemized deductions versus the standard of $7800. But I think they are more things that I should be able to deduct but I am not sure exactly WHERE to list them. I found this one accountant from a flier that was left at my daughter's school. His kids also attend her private school. I called his office on Monday to get some information. He charges a flat rate of $45 for non-homeowners (me!). He has about 15 years experience and has a pretty good reputation (I spoke to some other parents who have used him). I am going to set up a meeting with him in the next week or two to go over my 2007 taxes and also see if he offers other services. I am planning on taking a lot of big steps this year business and money wise so I want to have someone on my team that I trust and have a good working relationship with. That is the way that I am. I prefer to work with people I am familiar with and trust versus big flashy companies. I also like to stick with the same person the whole ride out. Once I get into a steady flow I hate for it to be interrupted because I gotta get the new guy into the same rhythm. It really urks me.

*Is that mean of me?*

Oh well.

I think I will most likely go ahead and invest in an accountant. Yes TaxAct deluxe only costs $20 but it is not an investment. I don't receive anything else from them once my taxes are filed. They just hit it and quit it. Spending $45 on this accountant, on the other hand, will allow me to forge a relationship with someone who has the expertise in an area that I will come to know very well this year and for years to come.

So I guess my mind is made up huh? Not quite.....

I want to look into other accountants in my area. One thing I have learned over the years is to never go with the first thing you see. Research, compare, and then make a sound and educated decision.


Tuesday, January 22, 2008

Deal or No Deal








I finally called my car insurance company today to inquire about increasing my deductible. I was given two scenarios:



  • 1. Increasing the deductible on collision from $500 to $1000.

  • or

  • 2. Increasing the deductibles on both collision and comprehensive from $500 to $1000.

Here are the results:

Option 1: Total savings of $60 over 6 month premium. Comes out to $10 a month.

Option 2
: Total savings of $70 o
ver 6 month premium. Comes out to $11.67 a month.


Ugh! I am just not feeling those numbers.


Increasing the deductible wouldn't pay itself off for 4+ years (when the savings equals the extra $500 in deductible I will be liable to pay out if I ever get into a fender bender).


What do you guys think? Would you go for it?

Monday, January 21, 2008

Career Development - Resources

After reading a number of blogs this past weekend, I noticed that one common theme this year is career development. As I focus in on my own 2008 Career Development Plan, I am finding more and more great resources that will definitely help me achieve my goals. So being the wonderfully divine being that I am, I decided to share those awesome sites with you all:

  • *CLICK - Ten Truths for Building Extraordinary Relationships: I heard this gentleman, George C. Fraser, speak on a popular talk radio show that I listen to on my drive home from work. Topic of discussion: Networking. He has a book out called Click and in the book you will find 10 simple principles that will help you master the art of networking.
    • -If you are interested in purchasing the book, click on the Amazon link below





That is all I have for the time being. If you would like to share some good sites/resources, just leave a comment or email me and I will update this post to include your info.

Dimps Out

Saturday, January 19, 2008

Where did she get that from?

I gave my daughter her allowance this morning. I increased her allowance amount to $3 and decided to change up my approach at teaching her about money. Previously, I required her to put all of her allowance in her ATM bank. I have decided to give her the option of putting her money in her ATM or use it to buy anything she wanted.

Annnddddd.......................



I am so proud to announce that my baby decided to put $2 in her ATM and spend $1 on something she wanted.

But then she said something that about floored me. She asked me if I would give her a CREDIT CARD!!! WHY?? Because the $1 could only buy her limited things while the CREDIT CARD didn't have a limit and she could buy anything she wanted. I mean this 5 year old actually said that the credit card had NO LIMIT while her $1 did.



WOW!!!!! WHERE DA HECK DID SHE GET THAT KIND OF THINKING FROM??


The only logical reason that I could come up with is my choice to use my debit card versus cash. The only time I really carry cash with me is when I take out money to give my daughter her allowance. And I believe she views my debit card as a credit card. So I explained to her the difference between a debit card and a credit. Debit cards accessed money that belonged to you while credit cards accessed money that didn't belong to you but belonged to the bank. And that whenever you use a credit card you would have to pay the bank back the money. And that if you didn't pay all of it back in time that you would be charged a penalty.

So why did sweet pea start grilling me on how many credit cards I used and why I had so many credit cards if I had to PAY to use it and why don't I just use my own money. It went on and on. And ya girl had no answers. Well no answers that a 5 year old would comprehend.

I was shame for about a full minute. Until I realized that a 5 year old shouldn't be grilling me bout my money and that my daughter had just entered the "why" phase. So I ended the conversation by saying that all she needed to know is that mommy had a handle on everything which seemed to sound good to her.

LOL

Friday, January 18, 2008

Wish List Update

Here is the updated and revised list:
  • Flat panel monitor
  • Chair or chaise for bedroom
  • Chest for Dimples (mahogany)
  • Sleigh or Platform Bed (Dont know which one I want yet)
  • LCD TV – 20’+
  • Cell phone - Palm pilot or iPhone type
  • MP3 player - 2G or more = $15.99
  • Desktop computer (just the PC) = $60
  • Wolfgang Puck cookware set = $73.94
  • Microwave (black) = $0 (free)
  • All Tyler Perry's Plays that are on DVD = $0
  • Transformers DVD = $10
  • Why Did I Get Married DVD = $0
  • Rolling File Cart = $8.56
  • Shredder = $14
I only paid $60 to my sister. She owed me money and we decided to just deduct that amount from what I was going to give her.

I also purchased a 2G Sansa MP3 player courtesy of Slickdeals.net. It is a reconditioned player and it was on sale at Buy.com for $25.99. I used google checkout and since I was a first time customer I received $10 off my order. And shipping was free (budget shipping).

After doing my feng shui thing, my old furniture didn't seem so old anymore. I moved my "office" out of my bedroom and into the living room leaving me with a lot of space. I currently have a huge solid oak dresser and my queen size bed in my room. I want to trade the dresser for a tall 5 or 6 drawer chest and also incorporate a chaise into the mix. I am really liking this chest @ Ikea:

It's only $129. I am going to sell my current dresser and use the money from that to buy a chest. I listed my dresser on Craig's List today for $150. I am going to check out the local used furniture store and see if they have anything cheaper.

In regards to the chair or chaise, something like this would be nice:

@ Ikea for $159 (adjustable back)

Though I would prefer something like this:



On Craig's List for $300 (way out my price range)

My budget is $200 for both chaise and chest. I am selling the dresser I have and some other items on eBay and Amazon. If all of my items sell then I will have made about $370. I'll use that money to buy my chaise and new dresser and then put the rest in my fun account for my trip to Atlanta in March (get into that later).


Thursday, January 17, 2008

2008 Goals - Edited

Added some more items to my 2008 Goals list.

Here they are:
  • *Search for grants or scholarship to assist with private tuition (I have decided to enroll my daughter into the private school she attends currently for kindergarten. Check here for more details.)
    • -Search for grants or scholarships online
    • -If I can't find a grant or scholarship then create a savings account for next school year's tuition ($4800)

  • Volunteer

  • Make an appointment with a Dermatologist (I have extremely sensitive skin and I am limited on what products I can use. They won't break me out but they don't really do anything for me either.)
    • Find a good skin regimen

  • Develop a good hair regimen

  • Find a permanent hustle

As I accomplish each of my goals, I will be updating the original post. I added a new section on the right sidebar, underneath my net worth chart, titled "Divine Updates". There you will find the current status of my 2008 Goals, wish list, credit card debt payoff and closing, and my 2008 Career Development Plan.

Monday, January 14, 2008

2008 Career Development Plan

I have been promising this for a while now. I finally sat down this weekend and wrote out an outline of my career development plan for this year. I finalized it today. I'll start with a summarization of where I am at in my career at this moment and what I do:

I graduated from UCF with a BS in Industrial Engineering. My last semester, I interned with a local, small engineering consulting firm whose main contract is with NASA. I was hired on full-time after I graduated in 2005. My job title is Engineer and the projects I work on involve a variety of different engineering disciplines. I currently head up a number of small projects under the main NASA contract. I am also the training engineer for many of the programs and processes we use. My main expertise is in database generation and management, project management, and cost analysis.


CAREER DEVELOPMENT PLAN FOR 2008

GOALS:

TASKS:

    • - FE EXAM:
      • > Register for the April FE exam - 1/11/08
      • > Study with co-workers - 1/08 à 4/08
      • > Take and pass exam – 4/12/08
    • - FURTHER DEVELOP EXPERTISE IN DATABASES:
      • > Access – 3/15/08
      • > Oracle – 5/15/08
    • - AUTOCAD:
      • > Complete AutoCAD Training CD – 3/1/08
      • > Take online AutoCAD training courses – 4/1/08
    • - PRO E:
      • > Search for Pro E training material – 6/6/08
      • > Search for online Pro E training courses – 6/6/08
      • > Take online Pro E classes (if Applicable) – 6/6/08
      • > Talk to mentor at job who knows Pro E – 6/6/08
    • - GRDUATE CERTIFICATE:
      • > Meet with advisor in program – 4/16/08
      • > Admission requirements – 6/15/08
        • + Online admission application
        • + Residency Classification
        • + $30 app fee
        • + Immunization form
        • + Official transcripts
      • > GRE needed? – NO
      • > Course load? – 12 credit hours minimum
      • > Obtain schedule of classes – 5/1/08
      • > Secure funding – 5/1/08
        • + Scholarships
        • + Grants
    • - ONLINE CERTIFICATE PROGRAMS
      • > Complete Management and Business Administration program – 7/1/08
      • > Complete Finance and Investing program – 8/1/08

My main goal is to gain enough experience and knowledge to start my own small engineering solutions business. My company will be geared to providing simple solutions for small businesses that don't have the big bucks to hire the expensive big name companies. I hope to achieve that goal by the time I am 29.

*Edited:

I realized that my coding got messed up somehow when I checked my blog at work. I use FireFox at home and everything looked fine. I am forced to use Internet Explorer at work and the post looked crazy. I removed the coding and just used the regular bullets. If you had trouble reading the post before: MY BAD!!! :-D




Wednesday, January 9, 2008

Credit Card Buyers’ Guides And Debt

My Credit Card Zero Debt goal for 2008 is well in progress, but I’m sure I’m not the only one that can use all the help I can get at the moment. Although there are plenty of resources out there for us to look at, I’ve found that buyers’ guides seem to offer the most useful information and one of the best I’ve found is the credit card one at About Your Money. There are too many things in life that stress us out but this guide offers tips on how you can choose the right credit card AND use it to get out of debt!



The interest free credit cards seem to be particularly useful for balance transfers but that doesn’t stop companies laying credit card traps for us. This guide tells you everything you need to know, from the interest rates to the pros and cons of all credit cards and not just the interest free credit cards available, so you can avoid the traps and reduce your debt. There’s also a comparison table thrown in for good measure to help you choose one that can help you!



About Your Money also has a savings accounts guide on the site, and that’s helped me with the Emergency Fund goal! There are plenty of high interest savings accounts to compare so I can begin to make my money work for me! I’ve worked hard enough for it so it’s about time it returned the favor!

January Budget

Here is my January budget: As you can see I added the three new categories I mentioned in my December Budget post:
  • Dimples
  • Car Maintenance
  • Gym
January will be a test month for the new budget. The way I have things set up right now is that any extra income I bring in will go towards my credit card debt. The new categories have pulled $90 away from my CC Debt Snowball budget. Depending on how much of a tax refund I receive, the new categories may stay or go. If my refund is large enough to eliminate a huge chunk of that debt then the incorporation of the new categories should not delay my CC Debt Zero Goal of October 2008. If the $90 turns out to delay my goal in any way, then the 3 new categories will be removed and I will try to find another way to address them. I am planning to start my business up this year so any income I receive from that may come into play.

Christmas Goodies

After Single Ma's post about the Christmas goodies she bought @ 75% off for a grand total of $11.92, I decided to follow suit and go get myself some goodies. Here is what I got:
















Check out this beautiful table cloth I got from Bed, Bath, and Beyond.
















My damage was only $16.92. The table cloth's original price was $69.99 and I paid only $8. :-D I did pretty good. Especially compared to what I spent on this stuff at full price around Christmas.

Saturday, January 5, 2008

My goodies






I bet yall minds are so in the gutter right now. LMAO



I am talking about my goodies box. It's something I created this a few days ago and I thought I would share it with you all.

I received a few gift cards for Christmas and I also received some very nice coupons and gift receipts from a few of my favorite retailers for my birthday. Now I am overflowing with all these goodies and have no clue what to do with them. Well I actually DO have a clue I just don't want to spend them on frivolous unneeded things. I want to use them wisely. I had some other goodies lying around the house so I put them all together in a diskette box I had. I used index cards as dividers and separated all my goodies into different categories. Here is the current inventory:

CLOTHING:

  • -$25 Macy's gift card
  • -$10 Macy's gift certificate
  • -$25 Old Navy gift card
  • -$10 Old Navy gift certificate
  • -$15 off $50 Macy's coupon (expires 1/31/08)
  • -$10 Avenue gift certificate (expires 3/31/08)
  • -40% off one item Avenue coupon (expires 2/29/08)
FOOD:
  • -Free Dessert @ Smokey Bones (no purchase needed) (expires 1/26/08)
  • -Free appetizer @ Bennigans (no purchase needed) (expires 1/31/08)
  • -$5 off $20 @ Dollar General market (expires 1/15/08)
  • -CVS rain check for Kashi cereal @ $1.99 each (2) (no expiration)
MISC:
  • -$50 AmEx gift card
  • -$10 Lowe's gift card
  • -$40 Staples gift card
  • -$25 Wachovia referral coupon
  • -Gift certificate for a 1 hour massage @ Oasis Massage
  • -Gift certificate for a free box of contacts
I have my inventory written on an index card that I taped to the top of the box. The whole concept of my goodies box is to try and not spend any of my own money on things I purchase. This will then allow me to have more money to pay off my debt. Before, I would have put all those gift cards and certificates in my wallet and wind up impulse shopping just because I new I had them. Doing things this way ensures that I don't spend them right away. For example:

If I am out and I think about going to Macy's shop I will have three options:

  1. 1. Either spend my own money that is already budgeted out.
  2. 2. Go home and get my Macy's credit card and accrue more debt.
  3. 3. Go home and get my Macy's gift cards and certificates.
Option 1 is out of the question. My lazy azz will not drive home and then BACK to Macy's so the last two options are a no-go also. Hence Dimples spends no money.


Here are the following things that I really need right now:
  • A good winter coat (all I have are Old Navy fleeces and they did not work against the cold weather we have been experiencing this past week)
  • Jeans for Sweet Pea
  • Pajamas for Sweet Pea
I am heading out of town today to go fetch my daughter. I am going to take the Old Navy gift card and gift certificate and find myself a nice coat at the Old Navy down south. I am also going to use the $50 AmEx card for gas. I am going to hold off on getting pajamas and jeans for my daughter because I think my mom and sisters may have taken care of this already. (That child is so spoiled!!!). If they have, then I won't need to use my Macy's goodies.

I know some of you all probably came into a good number of gift cards so this might help yall keep track of them and actually put them to good use on your road to financial freedom. If you have your own way of doing things then feel free to share.

Dimps Out

Thursday, January 3, 2008

HAPPY BIRTHDAY TO ME!!!!!

African American Profile Graphics SoulCityGraphics.com

It's my birthday today......or my "born" day as Single Ma puts it. LOL

I had a great pre-birthday weekend. I went to the R. Kelly concert on Friday (It was off da chain!). I went to Universal Studios on Saturday. Sunday was church and then I got my hair done. On Monday I cleaned all day (Yall know you ain't supposed to bring in the New Year with a dirty house; it's bad luck). I then went to Night Watch @ church (I always bring in the New Year at church). Then I hit up a friend's party afterwards and had curried duck for the first time. It was good. :-D

I know my weekend doesn't seem THAT spectacular but for someone like me it was amazing. For the first time in a LONG time I focused on myself and had fun. I was care-free and wasn't worrying so much about finances, being a good mom, work, life, or anything else that has continuously troubled my mind for the last 2 years.

With all that said........I have finally figured out what my theme for this year will be.

Wait for it............

Waaiiiitt for it................


LET GO AND LET GOD!!!!!!!!!!!!!


Dimps out.


*Edited

I spent absolutely NO MONEY on the concert or the theme park. My friend works for a radio station and gets stuff like this for free. So on top of having a GREAT time I also had a FREE time (excluding the occasional drink or restaurant outing....I used my extra income for that). :-D

*Edited again

Ugh! I keep forgetting stuff. LOL. Old age at its best. I turned 26 today.

Wednesday, January 2, 2008

December Monthly Financial Report

I am going to make this short and sweet.


Here is my budget results for December:


I brought in an extra $2700 in income this past month. $2500 was bonus money.
I used the extra $2700 and paid off 4 credit cards. I did pretty good in all categories except Misc. I blew that one out the water. I treated myself to cute Ecko bag from Ross and a new hair-do for the new year. I also got my daughter a couple of things from Ross.


Here is my current net worth standing:



Self explanatory.

I am in the midst of revamping my budget as I said I would in my last monthly report post. Once I get that ironed out I will post January budget. I am also going to revise my PF Goals file to incorporate the finance goals I listed on my 2008 Goals post. I will post that up also.

Tuesday, January 1, 2008

My Goals for 2008

Finally they are in!!!!

I know you guys have been waiting on the edge of your seats for them (if not, humor me a lil....LOL). Without further adieu:


DIMPLES GOALS FOR 2008


FINANCES
  • *Eliminate CC Debt (current standing: $10,007)
    • -Using my debt snowball plan ---> I will need to recalculate this. I am not sure if this will happen by October.

  • *Double Emergency Fund to $6,000 (current standing: $3069.42)
    • -Once I pay off all my credit cards, I will redirect all money left over after all bills have been paid to my E-fund until I reach $6K.

  • *Get car loan balance under $15K (current standing: $19899.55)
    • -My car payment is $392. I have been paying $532 for the past year. I am bumping the payment up to $435 for 2008. ---> I changed this one. See all changes in red.

  • *Look into hiring an accountant to do my taxes. ---> Negative. Didn't need an accountant. Did it all by my self.

  • *Obtain $300K in additional life insurance.
    • -Research additional life insurance and find affordable plan with good company.

  • *Increase credit score to 700+.

  • *Change to paperless billing system with all bills.

  • *Find a permanent hustle
CAREER/BUSINESS
  • *Create a Career Plan for 2008
    • *Lead 2 major projects at work

    • *Get more face time with VP or President of company

    • *Take on more hands-on projects

    • *Pass EIT Exam in April

    • *Take online classes to improve and expand on skills

  • *Get started on my business
    • -Pick and concentrate on first business venture

    • -Create business plan

    • -Get educated on business ethics and other needed info
      • +Take classes at local university or college
      • +Look into free classes through the city or county
      • +Use online resources and local library

    • -Network

  • *Increase salary by at least 5%.

  • *Look into investment/rental property.

  • *Network ---> Again this is one of those ongoing things. I have gone to a few networking events.
HEALTH/PERSONAL CARE
  • *Exercise at least 3 times a week.

  • *Eat healthier ---> Again this is one of those ongoing things. I limited the amount of salt in my diet so I am definitely taking a step in the right direction.

  • *Get down to my desired size

  • *Keep hair in braids or any style that allows my hair to rest.
    • -Develop a good hair regimen

  • *Find stress reliever. ---> Meditatiing

  • *See Optician for eye exam and glasses and contacts.

  • *Set-up and see Dentist for check-up and cleaning.

  • *Make an appointment with a Dermatologist (I have extremely sensitive skin and I am limited on what products I can use. They won't break me out but they don't really do anything for me either.)
    • -Find a good skin regimen

DAUGHTER
  • *Get daughter involved in at least one extracurricular activity.
    • -Affordable
    • -Between dance or soccer
    • -Fashion Design?? ---> My baby is so unique!
  • *Search for grants or scholarship to assist with private tuition (I have decided to enroll my daughter into the private school she attends currently for kindergarten. Check here for more details.)
    • -Search for grants or scholarships online
    • -If I can't find a grant or scholarship then create a savings account for next school year's tuition ($4800) ---> I am sticking her butt in public school. I'll do a post soon to update yall on why I changed my mind.

  • *Create chore chart and system.

  • *Increase allowance to $3 a week. ---> Done

  • *Open savings account for Sweet Pea.
    • -Take sweet pea to bank once a month on a Saturday to make her deposit into her account. ---> Lord oh how I have slacked on this one. I plan to open up her account by the end of this month.
MISC
  • *Update Single Moms of Florida blog more often. ---> Eh. I have updated more than usual but not as often as I would like. I am thinking about bringing my BFF on to do some guest posts.

  • *Increase subscribers to Dimples Divine Domain to 150+. ---> I hit this back in late March with 151 readers for one week.

  • *Take at least 2 out-of-state trips. ---> I got one down and one to go.

  • *Better time management. ---> I have been doing good in this area. I can't exactly cross it out because it is something I will need to work on continuously.

  • *Be more organized. ---> Same as above. This is continuous but I have been doing much better than before.

Happy New Year!!!



HAPPY
NEW YEAR !!!!!!!!!!!