Just Do It! Really?

So we have talked a lot about needing space around us and peace of mind in order to be productive. We cannot have more of anything unless we learn to manage what we already have.

But knowing never set anyone free.

Doing what we know to do sets us free.

So be like the Nike commercial–“Just do it!”


Don’t think about it, don’t ruminate over the fact that someone else should be doing it, or about how much you dislike the task–Just Do It!

Before you know, you will discover room in your schedule for what you really want to do, and money you did not know you had. Order in your home, agenda and finances will give you a new confidence, a feeling of empowerment, and a whole lot more joy in the activities of everyday life.

Just Do It! Really? Really!

We are a group of women who are learning to OWN OUR LIVES with Joy! Right now, we are working on handling our finances and time in a godly way. You are very welcome to join us if you wish!




For When Bringing Order to your Time and Finances seems Impossible

We had peanut butter and nutella sandwiches with cucumber slices for lunch, and we made a fort in which she whispered to me, “Grand’ma, I’m so glad we get to spend time together.”

We went on a scavenger hunt during which we found 5 acorns, one stone, one stick with mushrooms on it and a bird house with bird poop inside.

We took a long walk uphill to go look at a carved owl and we touched its eyes and beak. Then we turned around and she started to run down the hill, but her little three- year-old legs kind of felt like they were going a little too fast with the momentum.

“Grand’ma, please, carry me, ’cause I’m scared to fall.”

I tightened my grip on her little hand.

“We aren’t going to fall if we don’t rush, Emmaline,” I said. “If we just put one foot in front of the other and don’t rush, we are going to get there safely.”

“Okay, Grand-ma.” She held on to my hand for dear life. “Okay, Grand-ma.” she said again. “One foot in front of the other and we don’t rush.”

“Yeah, and we can have some hot cocoa when we get home!”

She relaxed her little hand in mine. “And put some cream on our hands to make them oh-so-soft?”

We put one foot in front of the other, my Emmaline and I, and we made it home in one piece.

And I keep replaying in my mind the picture of her little legs carefully walking down the steep hill one foot at a time. And how easy it really was to get home safely.

Tomorrow, when life’s momentum feels a bit too fast and scary, I am going to hear her voice in my head, “Okay Grand-ma. One foot in front of the other and we don’t rush.”

I am going to trust my Father because He says that I am going to get home safely. And I am going to relax my hand in His, and just put one foot in front of the other.

Steps for Bringing Order in Your Finances!

A large majority of people have a very messed up checkbook. Many of us don’t even know how to reconcile them, or they are so messed up that it has become almost impossible to get it right.

Been there. Done that.

Do you have a lot of unfinished financial issues in your life, like money owed to people or organizations, checks not deposited in the bank, bills unpaid, credit cards with unknown balances, checks not recorded anywhere, unreconciled checkbooks, bank statements that feel like they are written in Chinese and therefore ignored?

Been there, done that.

But hear me out: You are not a bad person because your finances are not in order–you are just a person who has not yet mastered the art of handling finances wisely. And if you are wanting to follow God’s principles in your finances, you are going to have to master them. It’s hard work at first, but the good news is, once you learn, you will not feel overwhelmed any longer, and life will go on in a much more positive way.

Clutter in our finances makes it impossible for more money to come to us–there is no room for it. But be faithful (organized, aware, vigilant) with what you have, and more will come.

Got ten minutes? Just start.


Ignorance is not bliss when it comes to finances; it leads to unpaid bills, late fees, frustrations and poverty. It’s much better to have your eyes wide open, even if the truth hurts–at least, you can start dealing with it. In the next chapter, we will track your actual expenses. For now, all we need to do is to at the very least be aware of what bills you have and organize them.

  1. Grab a piece of paper and start listing financial “unfinished” business. Maybe you owe your friend $3 for a cup of coffee; maybe your sister owes you $10 for the latest trip to the movies; maybe you still need to pay a teenager for watching your dog. Keep that paper where you can see and keep adding to it as you remember other things.

As much as you can, start dealing with these, one dollar at a time. As you do, you will sense a new freedom and know that you are obeying God’s Word: “Give everyone what you owe them.” (Romans 13:7) Remember, where there is clutter, there is no room for more.

  1. Take inventory of all the bills that you know come into your home every single month.
  1. Each one of us needs to figure out a system that works best for paying our bills. Here are some thoughts for you:
  • Try to have the bill payment automated through your bank. In order to do that, you need to keep on top of your check register and be aware of what is in your checkbook at all times.
  • If that is more than you can handle right now, pay each bill as it comes in. This is what I do with the bills that are not automated. I designate 10 to 30 minutes each day to do that. It might be a good idea to set a reminder/alarm on your phone so you don’t forget. Then if they are not due for a while, I just put a date on the envelope so I know when to send it–or send it right away if I can cover it. I keep all outgoing mail in one area of my home.
  • If you don’t like this system, pick two days a week to pay the bills, maybe Saturday and Wednesday, or Tuesday and Friday. Set a reminder on your phone until it becomes a habit. Keep all bills in a specific spot in your home and retrieve them on bill paying day; write the checks, place in envelope and mail right then.

One system isn’t better than another–what matters is to have one that works for you and sticking to it. You will find that this frees your mind beautifully–you never have to wonder if the bills have been paid on time.


If your checkbook is a huge mess, you might give yourself permission to start over. You can even go to a different bank if that feels better. Start a brand new checking account with your next paycheck (or the money that has been accumulating in that “change” jar) and start the automated payments fresh. Within a couple of months, all checks written on the old checking account will have cleared and you will be able to close that account. At the end of the first month in the new bank, make sure you reconcile your checkbook. And do it again the next month. And the next.

We are a group of women who are learning to “own our lives.” Right now, we are working on managing our money and time in a godly way. You are welcome to join us right here! 

Steps for Bringing Order in Your Schedule!

Just as clutter around the house makes for clutter on the inside–let alone waste galore,–so does clutter in our everyday activities. Schedules are necessary in order to keep us on track and help us be productive throughout our day. Without efficient routines, we not only waste an incredible amount of time and money, but we also have no clue whether what needs to get done got done. We feel disheveled, stressed to the max, frustrated, not knowing what to tackle first, and we never have a sense of accomplishment at the end of the day.

We need systems that work for each one of us individually.

Systems don’t have to feel like pressure; think of them as the framework that give us freedom to actually enjoy the moments of everyday life. When we have a good system in place, there is no guilt, no “I’d rather” or “I-ought-to-” moments when we take the time to throw a football around with the kids or soak in a bubble bath.

Do you have a lot of unfinished chores in your life, like errands that needed to be done last week, or sweeping the front stoop, or changing light bulbs, or organizing your socks, or returning phone calls and texts, or cleaning out the car and putting away winter clothes? The accumulation of unfinished tasks can be so frustrating.

Do you have “to do” notes everywhere? Or “honey-do” lists from your mate? Do you feel like you never have time for yourself and therefore you are drained by the demands of everyday life even though not much gets accomplished?

Been there, done that.

As I was doing some research for this blog post, I came across this quote from Benjamin Franklin, “For every minute spent in organizing, an hour is earned.” Would you like to earn yourself some time and money? Just start.

  1. Grab a piece of paper (or notes on your phone), and start jotting down all the unfinished tasks that you need to accomplish. Rate them by importance–what demands immediate attention gets top ranking, followed by whatever would make your life less stressful. Keep that paper by you because you will keep thinking of more as time goes by.

Schedule the unfinished tasks in your planner (or on a piece of paper) starting with the most important task: under today’s date, write down what you can realistically do today, and then do the same for tomorrow, and the day after, and the one after until all the unfinished tasks have been assigned. Decide how much time you will give to each task every day and when the time runs out, you are free to be done for that day. If you are not done yet, just add it to tomorrow’s task list.

Remember Ecclesiastes 3:1? “There is a time for everything, and a season for every activity under the heavens.” God thinks that it’s a good thing to assign a specific amount of time for each activity.

  1. The way we start our day shapes our day.

Busy, busy, busy… Most of us hit the floor running, with no thought at all about nourishing ourselves or setting ourselves up for a fruitful day. We start our day by reaching for our phone and we check emails and Facebook, inviting the whole world into our life before we even checked in with ourselves and God. We get up and start yelling at the kids, running around in the kitchen trying to make sense of yesterday’s mess… No wonder we feel stressed!

So here is a big challenge for you: start your day with ten minutes for yourself. No phone, no news, no outside influence until you nourished your own self. If necessary, set your alarm for ten minutes earlier. And right now, you probably are thinking that I just added one more thing to do in an already-too-tight schedule and that this is completely counter-productive; please don’t stop reading but hear me out.

When you invest the first ten minutes of your day into yourself, you are making an important statement: “my life is more than my stuff, my time or my money. I am more than what happens to me and what is required of me.” By valuing yourself enough to nurture YOU first in your day, you will rediscover joy in the rest of your day. You will find that everyday tasks take less time and energy, and you will finish your day strong.

This nurturing time will look different for each one of us, but they will involve any or all of these activities: getting centered, feeding on the Word of God, meditating, talking to your Maker, stretching, deep breathing, becoming intentional about your purpose in this day.

Make this time sacred, non-negotiable, no matter what. You will reap immeasurable benefits. And don’t worry if it takes you three months to establish that routine; it’s worth it. Chip away at old habits until this “sacred 10” is your new normal. You won’t regret it.

  1. Make a list of all that is stressful in your morning and evening routines.

Brain-storm how to make these less chaotic. Are you trying to cram too much into not enough time? Could you clean up the kitchen at night instead of in the morning? Could you do some of the morning jobs (lunches, picking out clothing, etc…) the night before? Could you do some of the evening jobs in the morning?

Prioritize your morning and evening activities–what must absolutely be done? What could be done at other times? What chores could you assign to someone else? Re-invent for yourself a morning routine that fits with the way your family operates so that you can all start your day less stressed; it might take a few tries until you come up with a great system, but it is worth your efforts. This will pay huge dividends in the long run.

  1. Purpose to finish your day slowly.

We aren’t at our best if we do not sleep well, and we often don’t sleep well if we don’t put ourselves to bed with kindness. Blaring television or arguments don’t promote sweet sleep.

Start brainstorming how to change your before-bed-time routine so that your day ends quietly and you are well prepared for a good night’s sleep. Here again, just like your “sacred 10” in the morning, investing in yourself is pivotal.

Writing in a journal, listening to soft music, expressing gratefulness, reviewing today’s accomplishments, having a small glass of wine and deep breathing are all simple ways to close out your day on a positive and nurturing note.


We are a group of women who help each other “own our lives” with joy, concentrating on handling Time and Money God’s way right now. You can join us right here! 

The Value of Ten Minutes

In the last post, I wrote about starting to clean up the mess around us ten minutes at a time. Ten minutes sounds like a ridiculous amount of time. I know. But  listen… a lot can happen in ten minutes.

A few weeks ago, my husband and I spent 20 hours with my son, his wife and their two little girls. We drove to a cabin in the woods 90 minutes away from home after work on a Friday night, met up at 6:30 pm and left the next day at 2:30 pm. Twenty hours, that’s a bit short, don’t you think? Yes, for sure. Worth it? You tell me:

How we spent the 20 hours: we gave and received hugs, ate dinner together, put the girls to bed with a story of a giraffe named Mimi, talked late into the night about God, the future and life, enjoyed morning giggles, had a lovely breakfast, discovered acorns, rocks and sticks with mushrooms on them during a scavenger hunt, walked uphill and then back down, watched an episode of Mr. Rogers Neighborhood where we learned about flying and being loved, built a fort with blanket and chairs and shared secrets under the blankets, snuggled together for a nap. It was just enough time for my son and his wife to have a nice day time skying date together, and for my daughter-in-law to tell me that she is studying Spanish ten minutes a day and that by now, she is up to 1000 words.   

I used to systematically “waste” any extra ten minutes I had in my day; I mean, what could you possibly accomplish in ten minutes, right? It’s not enough to make dinner, not enough to clean the car, not enough to pay the bills, not enough for anything–or so I thought. Ten free minutes regularly turned into ten minutes of checking facebook, playing solitaire, shopping online, eating ice cream or thinking about how little time I had. When I lived in the land of “not enough,” ten free minutes meant more frustration because I wasted them.   

Time and money are measured by pennies and seconds, dollars and minutes. True freedom begins when we finally arrive at the conclusion that each increment counts. We start to honor each one, not wasting any of them We use them wisely, valuing them enough to invest them and eventually reap many benefits. This is the way of God. This is the courageous way of wisdom.

My daughter-in-law memorized 1000 Spanish words in just a few weeks by investing ten minutes a day; what else can we do with “just” ten minutes?

Here is a short list I compiled. Feel free to add to it as you discover your own powerful ten minutes!

~fold a load of laundry

~start a load of laundry

~write a quick snail mail

~unsubscribe from unwanted emails

~put supper in the crock pot

~clean the windows in your car

~declutter your table

~make your bed

~call two places to find the best price on tires

~stretch and brush your teeth and hair

~send a love note email to your wife

~make kids’ lunches and wipe the kitchen counters

~feed the dog

~change a light bulb

~work on memorizing Scriptures


And you are welcome to join my closed facebook group where we dig in deep and find the joy of reclaiming our finances and time.

Steps for Bringing Order in Your Home

Do you have a drawer or two or ten in which you stuff all your I-don’t-know-what-to-do-with-that papers? Is your closet overflowing with sweaters that are too small, too old, too big, too stained? Shoes that need to be polished? A basket full of unmatched socks? Do you have a room where you hide all your messes? A dining room table covered with unopened mail  and things that ought to be put away? Bills that are piled up and unorganized? A mudroom full of coats? A dish (or two or five) with spare change and mini-erasers and throat lozenges and paper clips? A basement that you are afraid to step into?

Been there, done that.

Got ten minutes? Just start.

If you are nervous about taking up too much time, set an alarm on your smart phone for ten minutes from now, or use this free program (www.marinaratime.com) to keep you on track. It’s amazing what you can accomplish in ten minutes if you set your mind to it.

STEP ONE: Grab a piece of paper (or notes on your phone), and take a walk through your house, room by room, and noticing and making a list of the tasks that are necessary in order to clear the clutter.

STEP TWO: Pick just one room–maybe the one you are in most of the time. In your planner (or on a piece of paper), write down what you can realistically do this week, and the one after, and the one after until all the tasks have been assigned to a week. Decide how much time you will give to each task every week and when the time runs out, you are free to be done for that week. When you are done with room #1, start on the next one. And then the next one.

Here is a start for you: Your closet!

  1. If you and your husband have separate closets, start with yours. Gather all the clothes and shoes you are never going to wear again–if you have not worn something for 12 months, there is a good chance you never will wear it again. Make three piles: throw out, donate and sell. Throw out right away, decide who you will donate to and make plans to do it, google consignment shops in your area for what you plan to sell and drop it off, or sell it on Ebay* (Ebay is great for any name brand clothing).
  2. Pile up what needs to be mended. Do it, or give it to someone who can do it for you.
  3. Wash what needs to be washed. If at all possible, do it yourself instead of going to the dry cleaner. Put away the money you would have spent.
  4. Go through your pockets and empty them. Put loose change in designated jar.
  5. Then go on with your husband’s closet, and your kids’ closet. And the chests of drawers. You get the idea. Don’t get frustrated if the job seems endless. It is absolutely attainable, ten minutes at a time.

And you are welcome to join my closed facebook group where we dig in deep and find the joy of reclaiming our finances and time.

We People are a Funny Bunch

I’ve been watching people and studying their ways for a very long time. And you know what? We people are a funny bunch.

I have noticed a remarkable trait among us humans: Those of us who have a tendency to overeat (me at the front of the line) have a tendency to accumulate stuff in our homes. And people who have a tendency to accumulate stuff have a tendency to overspend. And people who have a tendency to overspend have a tendency to be messy in their finances.

Even though this may not be the case for you, the reader, this brought home to me once again the importance of understanding and accepting this fact: every part of us is connected to every other part. If we are going to do well in any area of life, we will only do so by addressing the whole person–spirit, soul and body.

Think about it: when our spirit is a mess, we function at a very low level, and our homes wind up showing it. When minds and hearts are heavy rather than sharp, we forget to pay bills, or get lazy and don’t care about paying them on time, or even spend money just because–you know, numbing ourselves with Amazon prime. When our bodies aren’t at their peak, nothing seems to work well– we don’t “feel” like doing anything, or we act like robots, without being intentional. The result isn’t great. Sounds familiar?

At times, it seems easier to let chaos rule around us and on the inside of us than to deal with it; in reality, chaos is very much a false pleasure with ugly consequences that not one of us enjoys. In the long run, it brings along feelings of never being settled, disempowerment and lots and lots of waste. Chaos in one area creates chaos in many other ones. You might be shocked once you discover how much time and money your clutter is costing you on an everyday basis.

“Leave my mess alone,” you might say. “That’s just the way I am.”

I get you! We have that in common for sure: I don’t like it either when people mess with me either–no pun intended.

But you and I have another thing in common: you invested your time and money in this book in order to better handle your money and time so that you can have more time and money. And I invested time and money into this book to help you better handle your time and money so that you can have more time and money. So if we are both going to get the results we want, we both need to do the work required.

We don’t have to be perfect–just committed. Is it going to be difficult? Yes! Worth it? Absolutely!


Feel free to join us at  the Own Your Life Academy Accountability Group on Facebook where we dig in deep and find the joy of reclaiming our finances and time.


When our lives wallow in clutter, there is no room for more of anything.  And no thing or person wants to show up if there is no place for them to hang out.

The first step is to make room, thus dealing with the chaos.

Remember the movie Field of Dreams (1989) with the famous phrase, “if you build it, they will come”? It’s the same principle here: if you make room in your life for more time and money, they will feel welcomed. They will come.

God Himself is “not a God of disorder” (1 Corinthians 14:33). There is order in all His creation, down to the way the earth revolves around the sun every  365 days; the sun shines by day and the moon and stars shine by night (Jeremiah 31:35). I find no instance in Scriptures of God being messy or praising His people for chaos.  We actually read that “everything should be done in a fitting and orderly way.” (1 Corinthians 14:40)

Ready to be more like your Father and de-clutter (un-chaos) your surroundings? Ready to make room for more time and money?

“There is a time for everything, and a season for every activity under the heavens.” Ecclesiastes 3:1

Six Powerful Principles to help You handle Time and Money God’s Way


When all is said and done, our lives are successful–or not–because we yield to God’s principles–or not.

Principles are fundamental truths–or laws– that govern every facet of life. We can try to fight these principles, but we won’t win. Take gravity, for example. Whether we like it or not, we cannot not yield to its truth as long as we have our feet on this earth–it is an integral part of decisions we have made ever since childhood. We know that if we jump off a bridge, we will fall into the water–it’s that simple. We can pretend all we want that rain won’t make us wet, but without an umbrella, a walk in the rain will make us wet 100 % of the time.

We are much better off when we cooperate with the way God has set things up.



Did you ever stop to consider how much time and money have in common? I find it absolutely fascinating! And I have discovered that the same principles that work in money management totally work in time management.

Below, you will find the six Godly principles about time nad money that I have uncovered at this point; these have stood the test of life lived over centuries.

Think of these principles as a small series of books on a bookshelf. The books tell a story: the first and the last ones act as bookends, introducing and summarizing all other truths. The middle ones are the story itself; as you listen and yield to it, one book at a time, you will see your personal story move forward in a new direction. No longer enslaved to time and money, you will find yourself empowered to use them as tools to glorify God and enjoy life fully.

Here are the titles of the books in the bookshelf:

  1. Time and Money Management Success: Chaos has to go
  2. Time and Money Management Success: Where the mind goes, the man follows
  3. Time and Money Management Success: Your habits are powerful
  4. Time and Money Management Success: Your attitude matters big time
  5. Time and Money Management Success: The harvest will not be denied
  6. Time and Money Management Success: Currencies are spent and saved

Over the next months, we will dive into each one of these. But let me give you a warning first: there is a very good chance that you will become somewhat uncomfortable as you discover places where your story doesn’t match this one.

The good news is, you are free to change your story. It’s simply a choice.

If you want more insight on managing your time and money God’s way, please make sure you come visit us at the Own Your Life Academy Accountability Group on Facebook!


My Journey from Pauper to Quite Okay

For years, we did T-ball on Tuesdays and Thursdays and spaghetti and meat balls on Sundays. We drove to church, did homework, shoveled snow in the winter and mowed the grass in the summer.

My husband and I are as ordinary as people come.

I was born in Brussels, Belgium. My mom came from aristocracy (“old money”), and my dad had a very good job working as a demographer for the European Union (E.U.) then called the Common Market.  We were well off growing up, but it just felt normal to my three siblings and myself since we did not know anything else. Money just was never talked about; it was one of those taboo subject, like sex and drugs.

I quit college and moved to Germany as a young bride of 21. My American husband’s salary took care of our needs, but either way, I wasn’t really worried–money did not mean much to me. He paid the bills and we were happy.

A year after our wedding, we moved across the ocean, pregnant and full of dreams. With no college degree, Rich found a job at a deli and I got busy raising our son. I learned about checkbooks and paying bills. We had enough money for donuts on Sunday. Life was good.

Eventually, we moved again, and my hubby got a construction job.  We now had two babies to feed, and the paychecks were barely enough to pay the rent of our basement apartment. With a shock, I found out that money did not grow on trees–when it runs out, it runs out. Thank God for credit cards.

I had never even heard of food stamps until we found ourselves applying for them.

Every fiber in my being was filled with awful shame–government help was for “those” people–you know, the ones who smelled bad and drank–not me! To this day, I have never told my mother about the stamps. But I had to feed my babies, so I used them, trying so very hard to be as discreet as possible as I handed the strips of paper to the cashier in the grocery store. Tithing on the stamps made me feel a bit better.

The construction job dried up, and we had to add welfare checks to the food stamps. I was dying of shame on the inside. But even welfare did not pay for the rent and utilities. Reluctantly, we sold the two pieces of gold we owned –one received with each birth as a gift from my parents. The sale paid for four months’ rent.

Now what?

No job, two babies, a credit card bill and food stamps. What was happening to us? Where was God in this mess? We ate a lot of pasta. I cried a lot. I washed cloth diapers by hand.

Rich tried to get back into the Air Force, but they  would not take him back because he now had dependents. He enrolled in the Reserves, which netted us $117.00 for one week-end every month. He scored two part-time jobs, making $3.35/hour for about 25 hours a week.

The welfare checks stopped because of the jobs, and I felt like I could breathe again…but financially, nothing changed–we just traded a hand out for a real pay check.

We were dirt poor, but I refused to think of ourselves as poor. I learned how to figure out how much extra we needed at any moment of any day, listing our monthly expenses and income on a piece of paper. I color-coded everything–too much red everywhere. Every day, I would study it, changing it with each expense or income coming in. I went through a lot of erasers and papers! I literally picked up and counted pennies. And I spent a lot of time on my knees, asking for miracles to make up the difference between the income and expenses each month. I prayed about every single little need, because buying envelopes or dishrags was not even a possibility.

We made it through one year, and Rich got a $.25 cents/hour raise at one of the part time jobs. That meant a few extra dollars each week. I put those to good use. I was getting very good at stretching  the food stamps we were still getting.

We made it another year, and Rich landed a better part-time job–more hours and a bit more money. Now there was money for toilet paper and plastic pants to go over the cloth diapers–yes, I literally did not have money for those for a while since food stamps did not pay for toiletries. I remember dancing in the living room with my son when God provided the $2 necessary for a pair of plastic pants.

We had three babies by now, and we felt like maybe we were going to make it.

The part-time job turned into full-time with benefits. Things were looking up and we thanked the Lord. I still charted every penny that came into and went out of the house.

I went to work making minimum wage when all my babies were in school. The bills were getting paid each month by now, so we started to pay off our credit card debt.

One tiny penny at a time. And we bought a house one penny at a time, paid for twelve years of college one penny at a time and started to save and invest–literally, one penny at a time.

We are as ordinary as they come. To this day, both of our incomes together don’t add up to six figures.

But this we did:

  • we committed ourselves to the Lord,
  • we educated ourselves,
  • we yielded to His principles,
  • we gave
  • we budgeted every single thing
  • we worked hard.

Today, our net worth is quite nice. And we still pick up pennies.

Over the next few months, I am going to help you get there as well!

And you are welcome to join my closed facebook group where we dig in deep and find the joy of reclaiming our finances and time.

Are You Doing Okay with Your Time and Money?

There are more people caught in a prison of debt and time pressure in our western societies than there are people who are free to enjoy their time and money. And when out of control, time and money are mean, ugly slave masters.

The numbers are staggering:

  • Only 20 % of Americans live free from debt, and 69 % of Americans view non-mortgage debt as a necessity–that’s almost 7 out of 10 people! *
  • 48 % of Americans are pressed for time. **

When these are not in order, daily life is chaotic, pressure fills in every hour of every day, marriages fall apart, people live on edge, health goes in the dumps and people are prone to bursts of anger; all of life seems to revolve around the lack of them… I can’t even count the number of my friends who “spend” their time being miserable over not having enough time and money.  Life just doesn’t taste good anymore.

The problem is, we can’t live without time and money; they are basic necessities.

The good news is, there are simple principles that, if followed, will bring your money and your time back to you.

That’s a pretty bold statement, isn’t it?

But I say this confidently.


Your demographics do not matter. Whether you are thirteen or eighty-three, whether you are a stay-at-home mom or the head of a few corporations, whether you are almost homeless, have more debt than you know or were born with a silver spoon in your mouth, these principles will work for you if you apply them diligently.

The havoc of money and time mismanagement is an ugly weed in today’s families. But if we simply pull the weed, it is eventually going to grow back–ask any farmer or gardener you know. We need to dig out the root connected to the weed, the part that’s hidden in the dark. And much of this root has to do with the very thoughts we hold on money and time. Success will come when we start from the inside out.

Neither my husband nor myself holds a college degree, we live in a small Pennsylvania town, and at the time of this writing, both of our incomes together still don’t add up to a yearly six figure income. But we did are completely debt-free and have an acceptable nest egg.

We also went from working more hours than I can count and not having time for enough sleep or for each other to having daily, weekly and monthly times set aside for dates, fun events, volunteering in our church and enjoying every day moments.

This is not only feasible, it’s absolutely realistic. If we did it, you certainly can, too.

Stay tuned as I will give you some beautiful nuggets of wisdom in the next few weeks.

And you are welcome to join my closed facebook group where we dig in deep and find the joy of reclaiming our finances and time.