5 Unconventional Productivity Hacks For Happier Life

When I was laid off from my job seven years ago, I lost my apartment and was forced to live with my parents. I was living paycheck to paycheck, so when money dried up, I had no emergency fund. Life sucked. My confidence went down along with my back account balance. I could not enjoy life the way I once did. I vowed I’d never be broke again.

Here at S&T, we aim to enlighten, encourage, and empower women to be the best they can be. Financial prosperity supports our goal. How can you live a fulfilling life when you’re consistently broke? It’s hard. I’ve tried. Part of our mission is help you achieve financial prosperity.

Unfortunately, our 9-to-5 jobs will not get us to the promise land. Sure, it will help you pay bills, go on a few trips, and pay off some student loans, but real financial gain is through investments and entrepreneurship. The average person spends 8 hours of their day working for someone else. After a long day at the office, we juggle our other priorities: gym, family, housekeeping, etc. It’s difficult to invest the time and energy to work for yourself, unless we master the art of time management.Read More »

If It Don’t Make Money, It Don’t Make Cents: My Journey To Financial Freedom

financial freedomThe American education system has not done its due diligence in making sure students are savvy in all things concerning finances. In grade school, I do not remember taking a class on interest rates, credit cards, investment portfolios and other financial concepts. It is no wonder many millennial are in over their head in educational debt; many people purchase homes they cannot afford; and America’s debt amount is larger than any other nation’s. The reality is Americans are not the most frugal with money.

I am no different. In fact, circumstances have forced me to take a long, hard, look at the way I manage my finances and I must say things need to change. My educational debt needs to change. My credit card debt needs to change. My investment portfolio needs to change. My everyday habits need to change. But, most of all I need to change.Read More »