FAITH

When you believe without fear many doors will open for you.  There has been many times where I felt that I did not know what I was doing where I was going, and plain ole stressing about day-to-day expenses.  Since I have learned to stop stressing things have been better for me. BUT my ego and pride was hurting me with out me knowing it.. Since I let go of stress AND my Ego, Pride I have not been as sick and I am happier about living.  Stressing brings about many issues that you wouldn’t realize until after you have gone through that time.  I was raised to be very independent and at times I have to look at myself and shake my head because of the things I struggled with alone that I do not have to.  I firmly believe that when your ego and pride prevents you from asking for simple things the universe makes it harder for you.

I will give you a real example from my life:

Last month I had my rent, when to turn in my rent check and then left to go work out.  While drive I was hearing this loud noise coming from the left back side while my car was moving but would stop when I was not moving.  When I got to my friends house I got out to look at the back of my car my tire was flat with this biggggg ole piece of metal in my tire.. I immediately was like, geez if it is not one thing it is another.

But I did NOT stress, I just took it with stride.  I was calm and felt that I couldn’t not do anything about it then, so to just keep it moving and worked-out.  Even when I went to a mechanic, and they could not patch it because the hole was too big I remained calm. I was sent to another mechanic and they were able to help me. A patch was $15 and a used tired was $40. I got the used tire because that metal ripped my tire on the inside. When it came time to pay, I handed the mechanic one of my credit cards, that card was declined.  I then gave him another credit card that card was declined as well. I gave him another credit card and that card was declined.  I was like damn, three credit cards and none are going through… my thought was “well my rent check will bounce”.  I handed him my debit card. Then started stressing because I did not have any extra money to pay for this tire. After I left I called my apartment complex to see if they could hold my rent check because I was going to get paid on that coming Wednesday… They have a check scanner and had already scanned my rent check. I was trying to figure out where I could get $4 from. I went through my change and did not have it, looked through old purses and wallets and could not find four dollars..

Through out this whole process the thought of calling my family NEVER crossed my mind.  I cried myself to sleep that night,  woke up, and THEN thought about what family member I was going to call for help.  Didn’t want to call my brother because he had just helped me pay a minimum balance for one of the credit cards that was declined. I called one of my aunts and asked for $4.  My aunt was like why would you just ask for $4, and my response was that is all I need auntie.  We talked and I then sent her my bank information.

That one phone call stressed me out to the point where I was feeling like a failure for not having $4.  Simply because my ego and pride was too big to pick up the phone and call home, I also learned a valuable lesson.

The devil has a way of holding you back when you are not humble. Now I have been yelled and fussed at on numerous occasions about now calling on family when I need something.  When your pride is bigger than life because you don’t want to seem like “whatever” God will being you back to a reality that you don’t understand while you are going through whatever you are going through.

Plain and simple I was embarrassed.

 But WHY?

I felt that I should be at a place in my life where I should not have to call and ask for help or money.  Well…… truthfully I NEVER call and ask for help.

I just suffer.

I just starve.

Until my next payday…. Which is a little extreme.. I NOW know this..

Once I figured out that I was suffering and struggling as much as I was because of my ego and pride I vowed to stop.

Here are the steps I took (disclaimer, this is how I got over MY issues, this may not work for you but feel free to use them if you want):

  • Prayer. Once I prayed to God asking him to take my ego and pride from me I have been responding and reacting to situations differently.
  • Practice. I started practicing on how I would ask for help when I NEEDED said help.  I made up scenarios and practiced how I would react.
  • Reassurance real like events.  Something happened day after day and that is how I got my conformation that I needed to let that ego and pride go for good.

My faith is getting stronger daily and I know that there is reason behind this.  I am so thankful for the learning I am being provided.  When you are going through trials you may not understand at the time, but after those trials are done. YOU will see and understand.

What stress and struggle have you forced onto yourself? How did you overcome and stop bringing pain onto yourself?


Meet Tiffany “The Budgetnista”

The Budgetnista Interview


Tiffany “The Budgetnista” Aliche / On a plane and Newark, NJ

1.  What is your passion in life?

To live a purposeful, passionate life and to help others along the way.  Oh and traveling.

2.  What is your current job?

I’m self employed as a fun, financial literacy coach (heavy emphasis on the fun).

3.  Do you own your own business? If so, what is the name and the mission?

C.L.D. (Control, Lead, Develop) Financial Life / The Budgetnista

The mission and vision of my firm CLD /The Budgetnista is to teach all of my clients how to Live Richer (to purposely and passionately pursue your ideal life). Personal finance is one of the tools I use to achieve this goal.

4.  Did you have any fears when first starting your business?

Of course!

– Not being able to make enough money to support myself

– Lack of knowledge

– The opinion of others

– Making mistakes and their subsequent consequences.

– My unknown future

5.  Did you have any insecurities when first starting your own business?

Yes, I was insecure about my abilities. I wasn’t sure if I was capable of delivering on the promises rendered. I’ve since learn to under-promise and over-deliver.

6.  Describe your brand in one word.

Possible

7.  Do you have any past failures that you can tell what you did to learn from them?

Yes. I was fired from my very first speaking engagement because of a tweet. After being hired by the company to do a series of financial literacy seminars, I excitedly went on twitter and tweeted the details of the job in a reckless and arrogant way. I’m ashamed to say it but I tweeted:

 

“___________ company in _____, NJ just hired me to speak & I’m getting paid doctor rates!!”

 

I can laugh about it now, but they weren’t laughing. Someone in their corporate office found the tweet and faxed it to the location were I was to speak. I was immediately un-hired and told that I was a security risk and that I showed very poor judgment in bragging about the rate we agreed upon. Needless to say, I felt terrible.

The lessons I learned from that embarrassing experience are, the power of social media and the importance of humility.

8.  Who are your target consumers? Would you want to change this?

My target consumers have chosen me, so no, I wouldn’t want to change them. Although I have customers from every demographic imaginable, the overwhelming majority are professional women of color ages 21-40.

9.  What inspires you?

Books

My motherland; Nigeria, Africa

My failures, my successes

10. Who inspires you?

My parents

Dream Catchers: My entrepreneur friends

My 4 sisters

11. What is always at the back of your mind?

There is NO plan B.

I was not built to be ordinary

12. What do you want to change about your job or career right now?

Although I have a long way to go, I’m just were I should be. To me, success is just as much about the journey as it is the arrival. And I’m thoroughly enjoying the ride.

The only real change that I’d make right now, is that I’d really like an active mentor.

13. What advice do you have for others?

Live Richer: purposefully and passionately pursue your ideal life.

It doesn’t make sense to wait to live ideally “one day”.  Figure out how you can get your Happy now, and do it.

14. How do you motivate yourself?

I read A LOT. A good book can be a reprieve to help me recharge, give me new ideas, and push me to stretch my abilities.

I also study successful people. Some well known and famous, but most are not.

15. Did you have any obstacles that you overcame to get to where you are now?

Yes, the biggest one was convincing clients to take a chance on an unknown brand, The Budgetnista. Finances are difficult enough to share, but especially with someone you don’t know.

Another obstacle was writing and self-publishing my book, The One Week Budget. I cried so many times!

When you self-publish you have to do EVERYTHING; write, get the cover and inside pages designed, market yourself, figure out printing and pricing, and pay for everything.

It was one of the hardest times in my life because I didn’t have a road map and no one I knew had done it before me so I stumbled around in the dark. It was also one of my most rewarding experiences and I now help coach other authors on how to navigate the process.

16. Where can we find you on the web?

On my site: http://thebudgetnista.biz/

 


My 2011 Goals

Health:

Loose 30-40 pounds currently weigh 170

Tone up and be conscious of what I put into my body

Look into getting scalp looked

School:

3.5-4.0s +

No slacking and do the best I can do

Start earlier on papers and proof, proof, proof

 

Start thinking about PH.D programs

Get prepared for 2011 Graduation in December

Life:

Get rid of toxic people and things

Figure out if I want to work for someone when done with school or if I want to just work for myself

Atlanta or New York City for 2012

Relationship:

Start saving up for babe’s Engagement Ring

Work on our communication

Treat her with respect at all times

Money:

Get a 12 month Emergency Fund

Stick to budget or almost

Work:

Full Time for benefits

Part Time for Savings and Extra things

Javania M Webb Inc:

Network

Go to SCORE Event February 22

Finish Business Plan

Finish Proposals

Do at least ten speeches

Find schools and organizations that will pay me

Look at competition in ATL and NYC

Figure out ways to get paid for speaking engagements

Travel:

Go to Essence Music Festival

Go on a cruise

Go to Miami

Go to Cozumel Mexico

These are the goals that I set for myself… I did not change anything except I replaced my ex name with “babe”.   I read over this list and felt defeated. Why? Because I have not completed everything, but then I said to myself “THERE IS STILL TIME”.  Now I am going to be realistic, I will not be going to Mexico or Miami before the year is up because, well I can barely pay my rent.  I am not going to shed 30-40 pounds in the next four months, but I can watch what I eat and get healthier.

Everything else I can finish before the year is up, I moved Graduation to May 2012, I am waiting on the starting date for this new FT job.  I have traveled to Chicago, Orlando, and I am going to LA in October, will be going on a cruise in February.  What goals I do not finish in 2011 I will carry on for 2012.  I am in the process of trying to figure out where I am going to move in August of 2012 and trust this is not easy feat… The goals I did complete are crossed out, so I have done good so far and can do better.

What about YOU, did you make a goal list and have you completed them or did you forget about your goals all together? Let a comment down below. Thanks for reading.