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By: Ladybug Collaborative Inc August 31, 2018 finance, Financial management, financial stability, money, personal financeappreciative, featured, labor day, laborer, mass production, reflectionLeave a Comment

Appreciative Consumption – Thoughts for Labor Day Weekend

I love my mother’s hands. Her hands tell the story of a life lived in genuine appreciation of others and the natural world around her. Her hands represent an earnest attempt towards restoration, healing and comfort. Seeking Financial Wellness has more to do with the intent and motives behind our financial choices and less to…

By: Ladybug Collaborative Inc August 28, 2018 banking, finance, Financial management, financial stability, money, personal financebig purchase, borrow, credit, featured, lending, loans, money lender2 Comments

3 Keys to Getting a Loan – My Financial Wellness Guide, Part XIV

There are three keys that influence your ability to get a loan and what the loan will cost you in the long run. Getting your first loan is kind of like getting your first job – you need “experience” before you have “experience”. The primary factor is YOU. The Credit Department will need to know…

By: Ladybug Collaborative Inc August 27, 2018 banking, finance, Financial management, financial stability, money, personal financebucket, featured, savings account, vacation fundLeave a Comment

Saving Like a Boss – My Financial Zen Wellness Guide, Part XIII

Let’s talk about some really simple ways to start saving – setting money aside – for a specific event or special goal. First things first – set your goal: How much by when to accomplish what? You need to have clear motivation of what the end goal is. Just like training for a half marathon…

By: Ladybug Collaborative Inc August 25, 2018 banking, finance, Financial management, financial stability, money, personal financecash-flow, checking account, featured, financial wellnessLeave a Comment

Crafting Your Checking Account to Fit Your Style -My Financial Wellness Guide – Part XII

Here’s the thing…we need to have some sort of emotional connection with managing our personal finances or it just won’t last. It’s easy to get distracted or forget why we started doing something in the first place. By crafting our personal financial management in ways to remind us about the “why” will help eliminate any…

By: Ladybug Collaborative Inc August 24, 2018August 24, 2018 banking, finance, Financial management, financial stability, money, personal financebank fees, checking account, featured, first bank accountLeave a Comment

5 Keys to Choosing A Bank – My Financial Wellness Guide Part XI

Choosing a bank to partner with is critical for your financial wellbeing. It is a business, not your best friend, Businesses are in constant flux and sometimes you’ll be caught off guard when your bank is bought out or staff changes overnight. Evaluate the level of service you receive on a regular basis and always…

By: Ladybug Collaborative Inc August 6, 2018August 6, 2018 banking, finance, Financial management, financial stability, insurance, money, personal financefeatured, financial wellness, life insurance, term life, whole life, whole vs termLeave a Comment

Life Insurance 101 – My Financial Wellness Guide – Part IX

Life Insurance provides three main purposes: pay for burial expenses and final bills to close out your estate, replace the income you would have provided to a dependent (relative or business partner), or to gift to a charity or institution you want to support. There are two basic types of Life Insurance policies, a Whole…

By: Ladybug Collaborative Inc July 24, 2018July 24, 2018 finance, Financial management, financial stability, insurance, personal financeaccountable, featured, financial wellness, liability, personal responsibility, risk4 Comments

Liability: What You Need to Know – My Financial Wellness Guide – Part VII

If you’ve been following me for awhile you know that I focus quite a bit on self-awareness. Being financially healthy is contingent on knowing yourself and developing a strong sense of personal responsibility. Our words, actions and behaviors have a direct affect on the people we interact with every day. That also includes our lack…

By: Ladybug Collaborative Inc July 9, 2018July 23, 2018 banking, finance, Financial management, money, personal financefeatured, files, financial wellness, getting started, records, storage, taxes2 Comments

My Financial Wellness Guide – Part I

A few weeks ago I shared that summer is a great time for a Financial Checkup. With the warmer weather and sunny days, we tend to to be in better spirits and think clearer. If you’re just getting started venturing out on your own, it can seem a little daunting. Here are some basic suggestions…

Test Your Financial Stability

How well can you weather the storms of life? Financial stability is a reflection of how resourceful and resilient you are, how well you plan and prepare for the unexpected. Answer 11 short questions and see how you rate! We will email your results shortly.