Fantastic Finances Poll For a Personal Finance Bounce

Help Us Create a Great Fantastic Finances Course for You.

We’re VERY close to finishing our long-awaited Fantastic Finances Course For a Personal Finance Bounce.

I have been working on this online course for more than four years, but I am finally going to wrap it up. I will be releasing it in September. This very short fantastic finances poll will help us help you get the right course.

fantastic finances pollThis course will be entirely focused on “Support and Positive Financial Change”. It will include eight weeks of printed pdf’s, 8 complete personal finance books by Lois Center-Shabazz — in the form of downloadable eBooks, video tutorials on 8 crucial personal finance topics, a guide to create your Most Valuable Finances (MVF) profile, a complete course outline to guide you through the Most Valuable Finances Course, a Facebook support group, and a weekly live question and answer session with Money Pro and course founder,  Lois Center-Shabazz.

It is going to be a complete brain dump of everything we know about “Support and Positive Financial Change”.

We are going to cover all the ways that we use to generate our support and positive change zones, and we are going to show you exactly how we change those zones to increase your net worth and financial IQ for life.

HOWEVER, we need your help. Before we finalize everything and send it off to the web course portal, we need to make sure we have covered everything. So please help us create the right online course with this Fantastic Finances Poll For a Personal Finance Bounce

This is where YOU come in. Please take a few minutes to answer this super-short survey — there is only one thing we want to ask you.

YOUR POLL QUESTION: What are YOUR top two questions about Support and Positive Financial Change that we absolutely NEED to answer in our Fantastic Finances Training Course? —->
Super Sane Savings
Guerilla Budgeting That Banks
Big Thing Buying: Cars, Homes, Education
Investment Insights: Know How to Grow Your Money The Right Way
Protecting Your Money After You Get it.
or All The Above

fantastic finances poll

Personal Budgeting for Future Sanity in 5 Ways

Personal budgeting for future sanity;

Did you know that your sanity in the future could depend on the way you budget your money today? It does. So, get into the habit of including tomorrow into today. I know this sounds like you are only living for tomorrow and not for today. But, believe me, you can live for tomorrow and for today. And you will be richly rewarded with a wonderful life now and in the future. Much of our worry comes from unplanned financial problems that are compounded by empty savings accounts of all types.

  • Your savings


We hear this all the time, get emergency savings. So, what do you do, you start, you stop, you delay it, and then you have an emergency. It is inevitable, based on past experiences that most of us have had an emergency at some time during the year, sometimes two or three.

That is not the issue, the issue is that we can lessen the blow of each emergency. If we swallow a large dose of reality and accept the fact that we will have emergencies, and they must be covered by cash, (otherwise our credit will balloon out of control), with cash we will all be fine. Personal budgeting for future sanity first covers emergencies.


If you are very low income, like in the area below $15,000 income per year, you qualify for Medicaid, under the affordable care act. If not, you must pay a copayment and deductible with your insurance, and sometimes a percentage of major treatment. This has always been the case with major health insurance, and will always be. The issue is coming up with the money that will cover your, “out of pocket cost”.  Create a budget for your out of pocket health care costs to avoid large financial bills if you get sick. Budgeting for future sanity includes healthcare of today since we never know what the future holds when it comes to our health.

  • Your Vacation

You have two choices, 1. put your vacation on a credit card and risk having a bill to pay indefinitely or, 2. pay for it in cash, unless you want rewards points from credit cards, put it on a card and pay it off when the bill comes in.

Either way, you need money to cover your vacation, so it should be a part of your yearly budget, spread out over a twelve-month period. Budgeting for future sanity with your immediate vacations will save you large credit card bills in the long run.

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  • Your Retirement

When you are young you usually don’t think of retirement dates or retirement plans, but some do, and they retire early, because of it. For myself,  this was a goal for me when I was very young and others I know. We all accomplished that goal. I have also read stories about those who wanted to retire at 40 and did, then they started a lucrative business without the worry of running out of money since their retirement was fully funded.

It takes a very conscious and forward-thinking 20 –  something-year-old to think retirement and give themselves the option to retire early and switch careers, but it can be done.

When you are older, you could end up working into your 80’s or 90’s, that is because you did not think you would ever reach retirement age, and need retirement money. It always seemed like a distant, far-away, never-reaching date. Then, the years turned to decades, the decades turned to old age and now you are stuck. You can’t do much to change your situation, except work as a greeter with painful knees and all other health problems.

I just demonstrated how quickly time passes, if you take time seriously, you can have a great retirement, but only if you budget it into your current budget now. Some employees have a pension plus a supplemental plan, and some have social security and a 401k. The problems come when you only rely on one source. Like the pension only or the social security only. Make sure you fund all available sources and only use them at retirement, not for emergencies, not for college and not for vacation. Personal budgeting for future sanity applies to retirement savings more than any of the other

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  • Your Education

When you go to college today, it can devastate you financially for the rest of your life, and you can die with that devastation. Too many Americans go to college blindly, and they get predatory student loans because of it. Those are loans that have monthly payments that fall far more than your monthly income after you graduate because you assumed that no institution would treat you so badly. But, they do, they are in it for the money, especially the TV advertising for-profit schools, vocational schools, and private schools. You must understand the way vocational or for-profit schools charge and the fact that many employers don’t recognize the school for employment. This issue alone can devastate a personal budget.

Then there are the unsubsidized loans that students don’t understand. The balance on these loans will double when you finish school because interest is charged while you are in school. If you don’t pay the interest as you go, and most don’t because they don’t have the money, you will get a bill that reflects a balance of more than double what you borrowed after you finish your program.

There are many more nightmare scenarios, like the fact that some students max out of financial aid qualifications before they finish school and can’t graduate, this is a result of a huge personal budgeting mistake.

The issues here in the student budgets are 1. Firs,t research all the cost of your school and find out if it is in affordable limits — you should not borrow more money than you could make in your first year — set that limit to $25,000 to stay safe. 2. You should research if your school is an accredited school and recognized by local employers as a quality school 3. Research if the field you are going into is needed — many of the fields that are offered are obsolete.

Then, try to stick with quality, affordable, public schools. Keep your student loans low, otherwise, you could be paying outrageous student loan cost for the rest of your life. Many of the students who have massive student loans would be better off without any degree, and instead of working their way up on a job, some jobs even pay for education. Use my personal budgeting for future sanity techniques before you consider any school.

  •  Immediate Solutions

What is the immediate solution? Funding. Start funding several accounts on autopilot, make them a part of your budget. It is that simple. I did it for years, and it works. When I need money, I take it from one of my accounts I created a long time ago. But, if you didn’t do it before, you can start now. You can auto deduct into all the saving accounts you need. The problem with those who have budgets are that they mainly include essential items, but omit quarterly, semi-yearly, or yearly bills and emergencies, vacations, health care and retirement. This is the reason you need to apply my personal budgeting for future sanity techniques.

Lois Center-Shabazz | Course Delta Agency
Personal Finance: Author | Blogger | Course Creator

Interested in a Free Discussion about how I can help you with Fantastic Finances? Let’s Chat – Make an Appointment Here

Get Your FREE Fantastic Finances Tips Course by eMail

How I Build Fantastic Finances ; Read More…

These are only 3 Tips to grow your bank account, Get More Here


Teach Your Teen to Budget, It Is Possible

Teach your teen to budget, it' possible.

Is it possible to teach your teen to budget? For some parents or guardians, the answer may be no. But, for others it is possible. If you have not spoiled your cute sweet little toddler into a mean selfish teenager, it is possible. Even if you have engaged in the “spoiled rotten” theory, you can still teach your teen to budget, but it will take considerably more work.

Here Are Three Tips to Teach Your Teen to Budget


  1. The earlier you develop a strong emotional connection to your teen, the easier it will be to teach your teen to budget. Kids don’t need to be spoiled with things, to be happy. Things don’t make kids happy; but instead activities, hugs from parents, and talking to understand their concerns and helping them solve problems on a regular basis have proven to be major issues for happiness.


  1. For some strange reason, some parents think that if they give their teens all the material things they did not have, it will trigger massive happiness. If you had all of those “things” you would have seen that the lack of things was not the reason for your unhappiness when you are a teen. But instead, it is mostly the things that you cannot see that builds happiness.


  1. The only way you can find out how teens think, is to talk to many different teens. Teens want direction and clarification when it comes to making decisions. Teens also want to feel like they are important. What makes them feel important is first and foremost when parents appear that they care about them. The best way to make that clear is by telling them, you care about them and you love them. The second way is to guide them in what they do, and the third way is to make sure they are busy with activities where they make progress doing things they love like music, art or sports. The accomplishments make them feel important.

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Once you create the strong connection to your teen, it will allow you to create a strong connection to teach your teen to budget, by connecting the reason why they should budget along with you now and in the future.

It starts with saving money and why, then onto saving money and purchasing with a budget, to buy that which is affordable. Then, the reason a budget is necessary now and for life.

Lois Center-Shabazz | Course Delta Agency
Personal Finance: Author, Blogger, Course Creator, Money Strategist

Interested in a Free Discussion about how I can help you with Fantastic Finances? Let’s Chat – Make an Appointment Here

GET YOUR FREE Fantastic Finances Tips Course by eMail




The Difference Between Good Debt and Bad Debt

Good Debt Versus Bad Debt

The difference between good debt and bad debt

After writing and posting the article “Until Credit Do Us Part,” we received a few emails from women who felt they understood why all debt is bad; the reason being, is because it interfered with their personal life. One woman in particular wrote ” I finished medical school and a medical residency, but was told by a close relative, I would probably never find a husband because I have excessive school loan debt.” She then wrote and said, “now I understand why my relative made such a statement, after reading your article.”

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I need to clarify something. Even though this website has nothing to do with finding husbands, I just need to say that I don’t believe that a husband is something you “find.” Enough said about husbands.

Now I need to clarify the difference between “good debt” and “bad debt.”

Examples of bad debt are:
-Debt accumulated on items that do not increase in value over time.
-Debt that increases the total cost of items by two to three times the original value, when you consider the interest charged over time.
-Debt that charges compounded interest. This means the interest is charged on the outstanding balance, not just the original principal.  Therefore, you end up paying interest on interest and principle, and interest on the previous interest and principle.
-The worst part is because most of these goods and services decrease in value over time, many of them you may not even own by the time you are finished paying for them.

Examples of good debt are:
-Debt accumulated on goods or services that increase in value over time.
-Debt that charges simple interest, instead of compounded interest. This makes it easier to pay ahead of schedule and pay off the charges early.
-Examples of good debt are home loans and school loans.
-Provided you acquire payments that your employment can bear, these are considered good debt because most homes increase in value over time.
Save Money, Don't Get Cheated When Buy a Car
-School loans are considered good debt, when you keep them low, because-

#1) they allow you to acquire a job
#2) most of the jobs will increase in income over time
#3) most school loans charge simple interest, making it easier to pay them off early, by making small additional payments.

skills to manage money are essential, learn budgeting

-Business startup loans are also a form of good debt, provided you have expertise, experience, and proper preparation for the business you are starting. I hope this clarifies things a bit.

in 60 days learn to create fantastic finances

Lois Center-Shabazz | Course Delta Agency
Author | Blogger | Course Creator | Money Strategist

Interested in a Free Discussion about how I can help you with Fantastic Finances? Let’s Chat – Make an Appointment Here

Get Your FREE Fantastic Finances Tips Course by eMail

How I Build Fantastic Finances ; Read More…

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How Much You Budget What You Have Makes a Difference

It Starts With a Guerrilla Budget

I have had several people online contact me and say, “I never thought I needed a budget, much less a guerrilla budget” Most of them feel that budgets are for those who have a lot of money.

But, I am here to say, it does not matter how much you have, it’s how much you budget what you have. Rich people go broke all the time for the same reasons poor people go broke.

In my opinion, they both spend to much money for their income. Budgeting is a skill, the more you practice it the better you will get at it. So, start now, and perfect your budgeting skills.

How Much You ‘Budget What You Have’ Will Make a Difference by:

Saving Money

Budgets save you money in many ways. First, it encourages you to put savings in your budget I encourage those who don’t have much money to start with “the jar”. Place loose change in a jar once a week. Then go on to the second jar which is the dollar jar. You will place a few dollars in the dollar jar a week or every two weeks.

This will give you more of a cushion than the coins if something goes awry in your budget, like running out of food or needed extra gas. This will help to keep your budget in tack.

After your jars are full, open a savings account, then later, start automatic deduction from your payroll or checking account to your savings.

;Money, Understand that it is complicated, budgeting counts

Controlling Behavior

A budget controls your behavior by preventing you from randomly pulling out a credit card or spending on things you don’t need. When you pass the dress or shoe store your budget sense will tell you to keep going because those things are not in your budget.

When you get an email from a clothing store you purchased from in the past, your budget will tell you to delete the email, there is no reason to open it.

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Reducing Clutter

This may seem like common sense, but many people spend excessively and don’t realize it until there is so much clutter they can’t find a place to put their buys, or a place to use it.

It is only then, that many realize they are developing a hoarding personality. Creating a budget. and sticking to it will help tremendously to prevent over-buying, the fear  of hoarding and busting your budget, will encourage you to budget what you have.

Budgeting is not taught in most schools, many of your parents do not have a budgeting sense, so it is important to get it from other resources.Start with
my Car Buying Course for Women.

How much you budget what you have makes a difference


Lois Center-Shabazz | Course Delta Agency
Interested in a Free Discussion about how I can help you with Fantastic Finances? Let’s Chat – Make an Appointment Here

Get Your FREE Fantastic Finances Tips Course by eMail

How I Build Fantastic Finances ; Read More…

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Youth Hostels – Not Just for Students Anymore

Youth hostels

Youth Hostels

The term, youth hostel, has long been associated with student, economy accommodations, not with adults. However, if you love adventure and meeting new people, staying at a hostel could be just the ticket!

As Little As $20

Best of all, the price is right. In areas where $100 or more is common, a night’s stay at a “youth” hostel can be less that $20. There are hostels around the world, in almost every country and near some of the most desirable vacation destinations, such as Paris and Santa Fe.

Bargain Basement Prices

Yes, in some of the best places in the world, there’s a hostel with bargain-basement prices. So, why else would you want to stay at a place known best for providing housing for backpacking college students? Why indeed. Some hostels have features normally associated with higher-priced establishments, like ocean views, Jacuzzi tubs, and even an occasional swimming pool. Secure 24-hour access and special-needs accessibility can be found in large, urban environs.

Easy Budget Planner at MsfinancialsavvyDormitory Style Accommodations

You can usually book ahead (though there may be a curfew, so don?t expect to come in too late). Though many hostels provide dormitory-style accommodations, others will have more rooms like those found at neighboring motels. The main difference is that it probably won’t be a private room, unless you come with your own fellow travelers. If you do plan on traveling in a group of two or more, some hostels will even reserve space for you (usually only offered in off-seasons).

For a price of at least half that of most other discount hotels, you can stay just two miles from the center of Old Town Santa Fe, with a beautiful view of the two mountain ranges and close to restaurants and Indian pottery shops.

Just an hour from our nation’s capitol and close to the Harpers Ferry National Historic Park, you can stay for about $17 with Internet access and a train station nearby. The possibilities are endless and, if you enjoy meeting new people instead of watching TV or ordering room service, try a hostel.

Your Hostel Amenities

Although you will need to plan ahead to bring some of the convenience items which hotels are known for, like shampoo and hair dryers, you will be provided with a pillow and blanket. Most now even include a change of linen in the price; others have them available for a nominal rental fee. You will be using a common bathroom, though almost all keep women’s and men’s rooms (both sleeping and bathing facilities) separate. Each hostel will inform you of their individual requirements and arrangements.

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Reputable Hostels

You will find a couple of very reputable hostel sites online, including Hostelling International (HI),, Hostelworld, and European Hostels. HI even provides for reservation booking and reviews of most of their network, with over 4,000 hostels in more than 60 countries worldwide.

They claim that they’re “the most recommended hostels in the world,” and that their “blue triangle is internationally recognized for safe, clean, friendly and affordable accommodations.” The other sites offer similar assurances.

So, the next time you travel with a severely limited budget and dreams of visiting someplace special, think hostels. You may be more than pleasantly surprised with the saved money and people-friendly accommodations.

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