My Financial Zen

Personal Umbrella Insurance 101 – My Financial Wellness Guide- Part X

By: Ladybug Collaborative Inc August 8, 2018

finance, Financial management, financial stability, insurance, money, personal financeexcess liability, financial wellness, insurance, personal umbrella insurance, protectionLeave a Comment

In a previous post, I shared some insights on Liability Insurance and important things to consider in managing potential exposure. Insurance is a funny thing, kind of like credit – when you need it, you can’t get it – it’s something you have to be intentional about building before you need to use or have…

Life Insurance 101 – My Financial Wellness Guide – Part IX

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 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…

Preserve & Protect – My Financial Wellness Guide – Part VIII

By: Ladybug Collaborative Inc July 26, 2018

banking, finance, Financial management, financial stability, insurance, personal financefinancial therapy, financial wellness, personal articles, personal property, stuffLeave a Comment

As you begin to build your life, carefully curating pieces that add beauty and joy to your home, take steps to do what you can to preserve and protect them, so you can enjoy them for many years to come. Making note of where each piece was acquired helps remind you of special moments and…

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

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

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…

Self-Care and Health Insurance – My Financial Wellness Guide Part VI

By: Ladybug Collaborative Inc July 17, 2018

banking, finance, Financial management, money, personal financedeductible, financial wellness, fitness, health, health insurance, premium, self careLeave a Comment

There’s an interesting balance between covering as much as you can with your own resources and purchasing insurance to cover potential risks that could devastate you. In my previous post, I provided an overview of how to self-insure. In summary, self-insure as much as you can, then purchase insurance for the big stuff. When it…