How To Reach Your Savings Goal

How To Reach Your Savings Goal

You’re all excited and energized. You have a savings goal in place. You’ve set your budget and you’re rocking and rolling. Ready to get your emergency fund, future home or much-needed family vacation savings plan in place.

Life happens.

And that’s okay.

But how does this impact your savings goal? How will you stay on track and focused when it seems like one financial crisis after another comes at you?

How do you decide what’s a necessary expense to tap into your savings account and what’s not?

How do you keep from saying “Forget this!” and scrapping your plans all together?

Click here to read the steps that have worked for me over the years.

Top Life Skills You Didn’t Learn in School

Top Life Skills You Didn't Learn In School

I don’t know about you but my high school years were quite fun! Then, my college years were interesting, enlightening and exciting and I wouldn’t change either of those experiences.

HOWEVER…I wish there were things we all could have learned early on. It seems that the most important ideas and skills for successful living just aren’t taught in school. Unless you had a mentor, a willing parent, or other positive role model in your life to teach you these things, you were left on your own.

I hope one day the principles below become more and more integrated into our youth’s education so they are better prepared and more successful adults.

Life Skills You Didn’t Learn In School

1. Persistence is the ultimate power. Did you know that there are plenty of highly intelligent and talented people living on the street and/or who aren’t living the lives they want? One reason that’s the case could be that they just didn’t learn the value of persistence – and I’ll go further and also say they didn’t learn good follow up skills. The ability to be persistent can overcome almost any obstacle. As a matter of fact, I believe that’s how I landed my first full-time job out of college. I followed up the HR rep every Monday morning at 9am until she told me I had the job. It was either that or they were going to have to tell me outright to stop calling! LOL

Support – It’s a Two Way Street

be a support
Letter from the Editor,

Almost every person in the world needs support from time to time. Human beings are social creatures and often our lives are intertwined with others. Back when I was an elementary school student we learned a song that said in part:

No man is an island entire unto itself
Each man is a continent

We were taught that song as children to remind us that we did not have to do things all alone, we could and indeed should reach out to others for help and assistance. There is comfort found in reaching out to our tribe for support and having an overwhelming wave of support surround us and carry us through the storm. A few weeks ago, I was having a hard day and I reached out to a friend in my Pushing Lovely tribe. She assembled what she called, “The J Hive.” In a matter of minutes, my social media timelines began to flood with words of encouragement and support. It was indeed a great thing. For the next few hours, the good words kept coming. Once I felt comforted and at ease, I was able to reach out and thank my tribe for their help. They made what could have been a horrible day, just a horrible few hours. Support and comfort on demand – that is a great treasure.

If you have a support system like Pushing Lovely. That is excellent. Use it early and often. More importantly, be a support yourself. No one likes a person who asks for support all the time but can never be found when it is time to support someone else. When I thought of the title for this letter and the word “support” came to mind, I immediately thought of my Pushing Lovely tribe member Nicole McLean of My Fabulous Boobies. I thought of Nicole for several reasons, her blog name, the fact that she works tirelessly to be a resource and support system for those in the breast cancer community and for all the support she provides to others.

If you do not have a support system, it is well worth the effort to take time now to create a support system. Gather together people who trust and care about one another. Everyone in the group must agree to support one another in order for the support system to work. The most important thing is to be a support to the members of your team. If you establish a reputation as a person who supports others when called upon, you can freely expect others to support you. In this context, you must give and receive. The giving of support is an important part of being in a support group. I support my Pushing Lovely tribe in all they do, period. When I needed support in return, it was a treasure to be able to receive it from them. Support truly is a treasure beyond measure.

Pushing forward . . . always forward,

Three Things to Remember About Inspiration During Hard Times

Sometimes life is hard, but so what! That is when you need inspiration to push forward. No matter how hard life is, you still have to live it. Find a source of inspiration even when things are hard.

 Finding inspiration during hard times sometimes means being focused hard and fast on the big picture.

Hard times come and go. The problem is that hard times feel like they are going to last forever! It is like when you go for a massage or are watching a great movie. During those pleasurable things, time seems to speed up. The hour-long massage feels wonderful but like it was only 30 minutes. The great movie seems to be over in the blink of an eye. But, hard things like waiting to hear about the condition of a loved one who has been hurt or meetings to discuss business problems seem to last forever. During the bad times, the bad experience seems to last three or four times as long as the clock says has passed.

More – Finding inspiration during hard times.  

During the hard times, you must constantly remind yourself that time is continuing to pass. You must remind yourself that an hour is still just 60 minutes long. When you are going through hard times, pay attention to the hard times so that you can do what you need to do to get through to the next  thing you will experience. At the same time, you must look at your big picture. Only you know what your big picture is and that it is not the current problem or difficulty. When you keep the big picture present in your mind it provides the encouragement, inspiration and motivation that you need to push forward towards success.

Sometimes when times are hard you have to encourage and inspire yourself.

Click here to read the remainder of this article on Janeane’s website.

Podcasts for Women Who Love Personal Development

I am podcast crazy right now. Just obsessed.

Since I’m still training at my new job, I spend a lot of time in my office reading policy, going through webinars, and reading/sending emails. This means I spend a lot of time sitting on my butt in silence. Normally, I pull out my trusty Samsung headphones (#TeamAndroid) and listen to my work playlist. Recently, though, I’ve started listening to podcast. And y’all, my world has been completely opened up. It’s nothing short of amazing, the gems in the podcast world.

Podcasts for Me

Now I know podcasts aren’t a new thing. Serial may have brought it to the mainstream, but believe me, podcast have been around for a long, long time. Still though, every day new, energetic folks join the podcasting community. What used to be a white man’s world, is now a world filled with diverse voices, both male and female, with diverse experiences and perspectives. And I swear it just gets richer and richer in content with every day that passes. I, of course, have found my people with the goal-setting, personal development, self-care, unicorn bunch. Most of these voices are those of women and I admit I haven’t done much in the way of seeking out men podcasters on these topics. At this time, though, I’m happy with who I’m listening to; I’ve gotten so much out of it.

Click here to read the remainder of this article on Vaneese’s website.

7 Things You Can Only Do With Your Spouse But are Easily Taken for Granted

If you’re married, I’m sure you have a list of things you love about this committed union and things you’ve wish you would have known before you said, “I do!”

Either way, he put a ring on it – so you’re in this thing now!

So many times, we read about what’s important for a marriage to work or last; communication, trust, integrity, love, submission … and on and on. A few days ago, I was checking my husband out when he wasn’t looking. I thought about some cool benefits I have just by being his wife, his partner, his ace!

These are things you don’t talk about with most people because it’s already a given. However, because we do them so often, it’s easy to take these fun, sacred and/or personal things for granted.

Click here for Bernetta’s list.

How to Travel the World With Free Accommodations

How to Travel the World With Free Accommodations

Just recently  I had the chance to speak with  author and travel blogger Ainslie Waldron about how she and her husband live for free in hundreds of cities in dozens of countries around the world. This post will especially be of interest to budget travelers with expensive taste. Many of us are looking for an insider’s guide to help us travel better. Reducing expenses for accommodations figures high on the list of ways to make this possible. Ainslie’s book addresses how to make this possible. When I say “free accommodations,”  I mean the author has put her expert knowledge into practice and actually shares how you can travel the world with free accommodations. 

Ainslie Waldron lives in Australia. She and her husband  have swapped their vacation home regularly. The home above is in Bodrum, Turkey and is one of the many places Ainslie and her husband have stayed. She was in fact in Santa Monica, California babysitting her twin grandsons at the time  I interviewed her.

Click here to read Patricia’s interview with Ainslie Waldron.

Words Matter – Do Your Words and Actions Line Up?

words and actions must match
+ Photo Courtesy of CreateHer Images


Letter from the Editor,


As I write this letter, we are far into the most recent political campaign for president of the United States. The world is all buzzing with the news of what each candidate says, does and means. What amazes me most is the difference between what people say and what others claim they mean. It is important to say what you mean and mean what you say. It is also important to make what you say, what you mean and what you stand for easy to see. When you speak, you should not need others to translate your words if the person you are speaking to speaks the same language.


No matter if you are dealing with people on a personal or professional level, you must pay attention to the words a person uses. Words matter. Forget the saying that sticks and stones may break your bones but names will never hurt you. That is a lie! Names hurt. Names hurt because words matter. Just as you watch to the words of others to make sure the words and actions line up, people are watching you. It is not a matter of hypocrisy. It is a matter of being a person whose words can be trusted. When you say you believe in equal opportunity for all, but believe that people of a different social class, racial group or gender cannot be trusted to do jobs, your words and actions do not line up. If you say you value fiscal responsibility but do not pay your bills on time and live beyond your means, your words and actions do not line up.


When I was a child I was taught that a woman’s word was her bond. That meant that whatever she said was true, correct and could be trusted and safely relied on, without question. If your word is your bond, people know they can trust in you and that their trust will not be in vain. When your words and actions line up, no matter what the political gain, you do what you say and say what you mean. Politically, I am a liberal Democrat- very liberal and very democratic. One of my oldest friends is a Republican. We have remained friends all these years, in part because, no matter what her political philosophy, her words and actions line up. Raya Fagg-Johnson of And Starring as Herself Mrs. RKFJ believes that people should be treated fairly. She believes in equity of opportunity. She works each day to help immigrants become United States citizens, in part because she believes in the words and promise of the United States Declaration of Independence and the Constitution.


When people look at you, even those who have a different political affiliation, religion or class, do they feel that they can trust your words? Are you see as a person worthy of trust? If not, take action now, today to change that. After all, the world is a better place when our words and actions line up.


Pushing forward . . . always forward,



Keys to a Successful Mindset

Keys to a Successful Mindset

When it comes to having success in your personal and professional endeavors, it might well be that your mindset has more to do with your success or failure than you realize. Often there are times we may have a negative mindset and not be aware of it.

Here are some keys to achieving and keeping a successful mindset:

1. Focus

Focus is definitely a key to a successful mindset. Continually remind yourself of what your goals and endeavors are about, their purpose and your why. Keep focusing on your goals by having them somewhere that you can see them.

2. Self-assessment

To achieve a successful mindset, you need to ferret out that negative mindset you may not even know you have. Here are some things to watch out for that may indicate a negative mindset:

* Having excessive back-up plans and being over-cautious may mean you are doubtful about your success. Safety nets are understandable, but they can become a tempting escape when things are less than perfect. To be successful, you need to press through those imperfect times, not run from them.

* Believe you deserve it. You may think that you really don’t deserve to succeed. You just aren’t “that type.” To be successful, though, you need to believe you are that type!

* Uncertainty can be a manifestation of a negative mindset – you are not sure of yourself. There are resources out there; you can learn what you need to succeed. You just have to go for it.

3. Think like an entrepreneur

If you are starting your own business, it won’t work to think like an employee. You need to think like your own boss! This means the freedom and responsibilities that come with being the head of a business.

4. Believe in your product or service

Whether you are selling something for a company or something of your own creation, you need to really love and believe in the product to succeed. If you are offering a service, you need to believe that you are offering something unique and excellent. Keep that mindset that says your product or service is absolutely worth it.

5. Not “I’ll try”…

If someone asked you if you plan to succeed, would you say, “I’ll try”? Then you have a negative mindset! You need to think more along the lines of “I will” or “I can.” Thinking “I’ll try” is a non-committal mindset that is not conducive to success.

Family Goals Planner

Family Goals Planning Guide from Mommy Talk Show2015 was a blast for our family thanks to safe travels and A.J. having a blast attending his first year of public school. But we did very little planning. We were winging it for much of the year.

Imagine how much more we could have accomplished if we had planned our year ahead of time?! So I created a family goals planner you can download for free!

Click here to read more about what a family goals planner is and how to get Joyce’s free one.


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