Mind Stimulation: New Read/Book.

Hello you beautiful people. It's a rainy day here in North Carolina, and all I want to do is lay in bed, snack, watch good movies and do a little reading. What about you? Well, I'm actually here at work with an overloaded mind and a lot of other stuff but that's besides the point. I won't mope and groan right now.

Let me tell you all about my new read. It may be an old book to you, because I have seen it around before but it's a new read for me. I'm pretty darn excited about it, and so far it has been very valuable and helpful.

It is Suze Orman, The Money Book for the Young, Fabulous, & Broke. That sums me up in three words, lol. I'm no where near wealthy so that means I'm still broke.  See, honestly I have not had much experience with being taught the proper and correct protocol when it comes to my finances. I've struggled time and time again with saving and managing money and fail often. But, one thing I know that I hate is having a small balance in my account, living paycheck to paycheck, not understanding proper financial terms and so much more.

I decided to go ahead and pick up the book to see if it could help me with getting my finances in order and if not that help me to better understand what is happening in this money filled world. Dealing with credit is not for the faint hearted so I've decided to buckle up and take this by storm.

I'm excited to know exactly what and how FICO works. Because if you would have asked me that a few days ago, I would have been a deer in the headlights.

What are you reading right now to stimulate your mind???

Monday Motivation, Our Credit: Becoming Secure and Stable

Happy Monday Lipstick Lovers! It is the start of our December and the ending of our year of 2013. Yesterday I woke up and said it is December 1st, and I need new goals and new challenges to make myself better for this month. I keep a journal of my thoughts, my bills, goals and much more. I try to reflect on what I need to improve or what was accomplished within myself even if it is small or a task rather big.

One thing I will be honest about is that I have not always been great with saving, investing or my finances. And still I am no where near where I could or should be but I have improved myself. I find that writing everything down is very helpful such as when a bill is due and the amount, then going back to mark it off as paid or whatever the case may be. When you organize yourself you can understand what is going on with your finances.

I have been holding on to my credit report for some time, and today I decided to print off a brand spanking new one. Credit is so detrimental to our lifestyle and it affects us tremendously when applying for homes, cars and even minor retail credit cards. The first step to fixing our credit is becoming educated with what everything means and admitting that we can work on it unless you already have that 800 credit score. *Closes eyes and wishes* lol! I have been educating myself on the terms of credit and taking notes for improvement.  Free Credit Report is a helpful site in printing and viewing your score and report. Another helpful tool is going to your bank and speaking with a Financial Adviser which can be beneficial in understanding where to begin and what you are looking at when reading your report.

Isn't it amazing what numbers can do to your life? I want to be able to buy my dream home and dream car, I want to be able to relax after retirement, and send my kids to college, I just would like to be debt free. So my motivation to you & I is that WE HAVE TO BEGIN SOMEWHERE AND LET'S BEGIN by BECOMING STABLE AND SECURE so THAT WE CAN DO WHAT WE ALWAYS WANTED TOO!

Lipstick & Love xoxo

Photo Credit: Google, entertainmentpic.blogspot.com