Budgeting

There’s nothing more wonderful than finding out that you’re pregnant. The warm feeling that comes with knowing that you’re going to bring a life into the world. Yet, as wonderful as this feeling is, most of us also experience a little trepidation. Maybe even outright fear. Especially if this is your first pregnancy. You may wonder if you’re ready to be a Mom, emotionally, psychologically and (of course) monetarily. Of course, any parent will tell you that you’re never ready, not really. And while bringing a child into the world often means expense, it does not mean that you have to spend a fortune. 

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Pregnancy gives you 9 months to prepare not just for childbirth but for parenthood. That gives you a lot of time (although still less than you might think) to get your home and your mind ready to bring a child into your life. It also gives you a great deal of time to find ways to reduce the cost of pregnancy and those early days of motherhood. The thrifty and enterprising Mom-to-be has a plethora of ways in which she can use this time to make substantial savings…

Find a side hustle

You’ll be on maternity leave after your baby’s born… But that doesn’t necessarily mean that you have to scrape by on nothing more than maternity pay. Once you’ve found your rhythm as a parent and established a daily schedule to look after your baby you may be able to make a little extra money in your downtime with a side hustle. A side hustle shouldn’t necessarily be more work. It should be a way to make money while using your skills and doing things that you enjoy. This could be something as simple as walking the neighbor’s dogs or babysitting the kids of other Moms in your social circle. Or it could mean starting a brand new job from home that capitalizes on your skills and passions. Here are a few full-time jobs you can do from home that might serve as inspiration for you. 

Find a better savings account and pay into it

It’s okay to admit it. We could all do more when it comes to setting aside some money in our savings. While many of us have a savings account, these can only work for us when we actually pay into them regularly. It doesn’t have to be a lot. It doesn’t even have to be 10% of your paycheck. But paying something in every month will provide a valuable safety net for your finances. Oh, and if you’re still using your old savings account from your high street bank, you desperately need an upgrade. Find an online bank as these can usually offer you better rates of interest (since they have fewer overheads they can pass the savings onto you). Here are some of the best savings accounts of 2019. 

Take steps to reduce hospital bills

Unless you’re lucky enough to live in a country where healthcare is free, having a baby inevitably means expense. Still, that doesn’t mean that you have to surrender yourself to being ripped off. Even little things like going through your insurance coverage with a fine-toothed comb so that you know what is and isn’t covered can save you considerable expense. It’s also worth learning how to time contractions. The last thing you need is to have to pay for an ambulance to take you to hospital for your Braxton Hicks. It’s also worth finding out what your local birthing charges are. These can vary wildly from hospital to hospital even between hospitals in the same city.

Don’t have insurance? That may not necessarily be a problem. Your hospital may be willing to give you discounted rates or charge you as a charity case.

Buy used and borrow

As tempting as it may be to go all out on your new baby’s clothes, this is an urge you should rein in as much as possible. After all, you know that the baby won’t be wearing them for long. Buying used clothes can save you an absolute fortune. eBay, charity stores and even dedicated online shops are an absolute treasure trove of cute, virtually new baby clothing at a fraction of the price that you’d pay in stores. And don’t forget your most precious resource… Other Moms. Any of your friends who’ve had kids recently will likely be more than happy to help you out by sending some of their kid’s old clothes your way. 

The same goes for strollers, buggies and even toys. You can even apply the same principle for your maternity clothes, too. Many new Moms are quick to get rid of maternity clothes they won’t be needing anymore, putting them up for sale online, taking them to the local charity store, selling them in yard sales or simply giving them away to friends.

Speaking of nice ways in which your friends can help you…

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Did somebody say “baby shower”?

A baby shower is not only a great way to keep in touch with friends old and new, but it can also be a wonderful source of cute free stuff that will help you to hit the proverbial ground running when your baby is born. While it may not be appropriate to outright ask friends or family for a baby shower, never underestimate the awesome power of… Dropping hints. 

Mentioning to your friends that you’re having a little trouble making ends meet or hinting to your Mom that you’re struggling to find an affordable stroller might be enough to get the party started. If someone close to you tells you that you’re planning a baby shower, by all means, give them a wish list. This will help you to avoid the risk of duplicate gifts and allow each of your guests to choose a gift that’s within their budget.

With patience, tenacity and a little know how anyone can cut the cost of pregnancy and feather their nests for motherhood. Try a few of these strategies and you’ll be able to enjoy the wonderful perks of life as a new parent, without being plagued by money worries.  

Please note, this post is sponsored by Diamond Bloggers. All opinions expressed are my own. Thank you.

Since paying down debt and saving cash can often be about as fun as getting a root canal, finding small, workable ways to save money around the house is paramount. Especially for millennial stay-at-home moms and small business owners. Which is why today I’m sharing five tips to help you get started saving this season at home.

Be proactive about paying down debt

According to a CareerBuilder survey, 40 percent of 18-34-year-olds are living paycheck to paycheck- and it’s even higher for women. Which is why one of the best ways to save money this season at home is to begin by examining how much debt you’re carrying each month. While the phrase “It’s fun to” comes up in conversation, it’s generally never followed by “pay off credit card debt.” But here’s the thing: Paying off debt doesn’t have to be boring. It doesn’t even mean giving up every creature comfort at home. Instead, becoming realistic about paying down debt simply means achieving financial freedom by becoming creative with the resources available to you. Some clever ways to pay off debt include:

• Figuring out exactly how much you owe. As in, when’s the last time you looked at all your debts and their interest rates to devise a payoff plan? A really easy way to do this is to get a credit report card from sites such as Credit Sesame. The site gives you a free credit score, plus layout your credit history so you can see exactly how much money you owe and to whom. With this information, you can better ascertain your monthly payments and interest rate, as well as which debts are in collections.
• Better utilizing your credit ratios. Did you know your score is affected by how much you use your credit card, even if you always pay it off? Your utilization should stay below 30% of your available credit, but the lower the better! This can help you save on interest rates for larger purchases in the future.
• Lower your interest rates. If you’re financially treading water, due to high interest rates, it might be worth consolidating or refinancing your debt. A good resource is Fiona, a search engine for financial services, which can help match you with the right personal loan to meet your needs. If your credit score is at least 620, its platform can help you borrow up to $100,000 (no collateral needed) with fixed rates starting at 3.84% and terms from 24 to 84 months.

Increase your household income

One of the best ways to pay off debt is by simply increasing your income at home each month. While this may sound like a daunting task, there are simple ways you can generate income from home. Including InboxDollars, the web service that pays users to watch movie previews, celebrity videos, and the latest news and dozens of other videos. While you may need to watch up to 30-minutes of content per day, many users can earn up to $225.00 a month watching these videos. Funds that can go right to paying down debt or increasing savings accounts this season at home.

Other popular ways of making money from home can be made from influencer marketing, selling on ETSY, reselling on sites such as eBay and Amazon, as well as the myriad of ideas from professional side hustle experts too.

Lower your recurring monthly bills

Ending each month with a surplus of extra cash can be as simple as reevaluating how much you’re paying each month for recurring bills at home. For example, you’re probably overpaying for car insurance. And how would you know, really? Services such as Gabi. Simply link your insurance account and provide your driver’s license number, and Gabi will go to work by analyzing what coverage you have, comparing the major insurers’ rates for that same coverage in your area, and helping you switch to companies with better rates, as available. better rate.

Another great way to save around the house is to reassess how much you are spending on digital services at home. Including cable and internet services. Many families have found that by cutting the plug on cable and switching to digital services, such as Hulu and Netflix, they are able to save hundreds of dollars each year. Analyzing your cellular services or opting for shared family plans can help you save in equal measure too.

Also, consider finding ways to save on utilities at home. Easy ways to save on your electric bills each month can be as simple as unplugging everything that is not in use- toaster, Keurig, microwave, lamps, and even washer and dryer sets (if you are able to access your outlets before and after usage weekly) you don’t frequently use, to save money. One easy way to do this is to add a strip plug to computers, scanners, and chargers. Devices that can be unplugged en mass when not in use. This is particularly useful as items plugged into outlets, even when not being utilized off, still pulls electricity.

You’ll also have the added bonus of being greener at home too. Unplugging devices helps to reduce your homes carbon footprint as unplugged items consume less energy. Other power-saving measures include adding weather stripping to any doors that aren’t sealed tightly, wait until there is a full load of laundry before running the washer. Washing in cold water uses less energy, line-dry towels and blankets, load the dishwasher completely full before running it.

And lastly, consider ways you can save on your monthly mortgage. A mortgage broker once shared with me an incredibly useful rule of thumb. That by making an extra payment a year on your home, you will cut your mortgage payoff time by 4-8 years. Saving the average homeowner tens of thousands on interest payments.

Reevaluate your monthly food budget

One of my favorite ways to save each month at home is by creating a working monthly meal plan. And to do this I just: Write a menu. Make a list. Follow the list. It’s that simple.

I do this because it saves time, money, and each time I go rogue at the store, I spend much more, like say, double, than if I planned a menu ahead of time and made a list. So at the beginning of the week, I write out a menu, make a list of the whole, one-ingredient food (lower processed foods such as whole grains, fruits, and vegetables) ingredient, check against what I have on-hand at home already, and then place an online grocery pick-up order. This allows me the added benefit of not having to shop in-store during peak hours and I’m not tempted to purchase additional impulse buys too!

Other ways I save on groceries is by buying in bulk. For items including vitamins, crackers, tortilla chips, almonds, pistachios, in-season fresh produce, organic frozen fruits and veggies,
coconut oil, honey, agave, and laundry detergent.  This helps me to also prepare healthier foods at home such as DIY dried fruit, bakes breads, and dressings too.

Reconsider what financial freedom looks like to you with Brice Capital

Once you’ve gotten a hang on your projected path to debt-freedom, figuring out how to achieve financial freedom is your next step. Because financial peace is often better obtained with the help of proper long-term investment strategies. Then to make this dream a reality, seek the assistance of professional firms such as Brice Capital.

Professionals that can help guide you through the process of tracking your finances, creating working monthly budgets, and tasking the guesswork out of creating retirement plans for yourself and your family. You can find assistance from Brice Capital financial planners, who can take the guesswork out of everything from helping you consolidate debt, to taking a realistic look at your income, and even setting more obtainable goals to help get you where you want to be financially.

But do consider, that before you contact Brice Capital, it would behoove you to make a list of your goals so you are ready to meet with their financial team. Steps to help ensure your easiest path to financial freedom for yourself and your family in the years to come.

Brice Capital can also help with steps such as getting a clearer picture of your current financial situation, helping yourself and your family get on the same page with your finances, and to discuss better ways your family can live within your means and become committed to living within your means at home.

Even if things aren’t as financially tight for you and your family in your current season of life, finding ways to become better equipped for your financial road ahead is key. With the above-mentioned savings tips and professional advice from Brice Capital, finding ways to save around your home this season has never been easier.  While finances can be difficult to sort through, in the beginning, this is still a valuable investment for your future at home too.

Now I want to ask, how are you saving at home this season? Leave your tips in the comments below.

This post was sponsored by College Avenue Student Loans. All opinion expressed are my own, thank you.

“You’ll never make it,” they said. “You’re just not smart enough,” they explained. Those were the comments I heard from my extended family growing up when the topic of me attending college was discussed. And though their words were meant to demoralize and discourage, they became my personal anthem of progress when it came time for me to not only attend but to flourish and ultimately graduate from my university. With not just one but two collegiate degrees.

Their words also propelled me to make the decision to attend graduate school. I could provide myself with not only a large and more diverse educational background but also provide myself with a way to better differentiate myself in today’s increasingly competitive job market.

Luckily, I’m not the only one who considers attending graduate school a no-brainer. According to the Federal Reserve, earning an advanced degree offers a substantial payoff, with graduate degree holders earning 30 percent more than those with only a bachelor’s degree. And with the ever-changing needs of employers across various private and public sectors desiring professionals who continually upskill themselves, graduate programs can help new students and returning students alike in immeasurable ways.

Also, by obtaining your master’s degree, you develop transferable skills that apply to various jobs, organizations, and industries, such as analytical, interpersonal, organizational, communication, and advanced technological skills. Skill sets that are often transferable and can help you become both a versatile employee and a more valuable asset to hiring managers and recruiters.

A graduate degree can also help you move into more senior roles, including management and leadership. Many companies not only recognize the benefits of earning your master’s degree but encourage their employees to get one through tuition reimbursement. In fact, 38 percent of employers nationally require applicants to have previously obtained a graduate degree as part of their educational requirements.

For these reasons, you may already be considering expanding your educational opportunities to include graduate coursework. Which leaves one of the largest and final decisions in attending, wondering if a graduate degree is worth the financial cost?

For me, it was. It was a key investment in my financial plans for the future. I’d like to say that I was able to pay for my continued education out-of-pocket, but this was not a reality in my world. I was not in a position to take on non-traditional payment plans and graduate student loans were my most viable financing option. Which is why I implemented the use of graduate student loans to obtain my degree.

My graduate student loans allowed me to borrow enough money to attend school and by doing so, I was also to obtain a degree that gave me the opportunity to implement new lucrative career opportunities in place. I knew I would not be borrowing more money than I expected to make in my first year at a firm. Coupled with setting a personal goal of working while attending school in an effort to pay down accrued interest, I felt at peace with borrowing money for school. And why, despite being a debt-free blogger, I’ll always encourage people to take out graduate student loans if they make financial sense to attend graduate school this season.

And I wasn’t alone. According to the College Board, in 2015-16 alone, 5% of master’s degree recipients, 20% of doctoral degree recipients, and 50% of professional degree recipients borrowed $100,000 or more to fund their graduate school study. As many MBA programs can cost tens of thousands of dollars for each potential student, and the average medical school degree can set students back upwards of $180,000.

Which is why, like me, you’ll likely need to borrow to help pay for a graduate degree after all scholarships, grants, and personal savings options have been exhausted. This makes private graduate student loans one of your next best bets to finance your educational pursuits for graduate school.

For those looking to find smarter graduate student loan opportunities, I encourage you to consider College Ave Student Loans as an option when financing your graduate degree.

College Ave offers new and returning students a better overall loan experience. From helping you find your best graduate school loan to providing borrowers with budget-friendly repayment options, this company makes borrowing fast and easy. They also provide applicants with a simple-to-use application process. It’s so simple that you can complete your application from any mobile device in minutes and find out instantly if your loan approved. Plus, borrowers can choose the loan term that works best for them and their budget with clean, concise borrowing terms upfront.

Graduate student loans are designed with students in mind, and College Ave takes the stress and guesswork out of paying for college or graduate school by putting you in charge of how your student loan will best fit within your budgetary needs this season. Coupled with helpful online tools, no origination fees, and great customer service, these loan programs can be one of your best bets for obtaining private loans for postgraduate, masters or professional degrees to help advance your educational career paths too!

When it comes to balancing the cost of school with other financial priorities and going to graduate school, you’ll be faced with big decisions that require even bigger investments. Which is why borrowing from College Ave can help make your graduate school dreams a reality. Leaving you more time to learn, study, and grow as a student in your own right.

Now, friends, I want to ask, are you considering getting your graduate degree this season? And if your educational future includes student loans, what are your biggest concerns in securing this type of educational funding? Leave your comments below!

This post was sponsored by College Avenue Student Loans. All opinion expressed are my own, thank you.

Financial problems are the biggest cause of stress in America. It creates anxiety and has been known to lead to mental breakdowns.

The uncertainty surrounding the country’s economic state, and whether they will still have a job to go to does not help some people’s situation. There are many that are desperate to get out of debt, but first of all, they need to learn to cope with the stress, or it will be counterproductive and all their efforts could be in vain.

Identify Which Debt Causes The Most Stress

Start by making a list of everything you owe, including who it is to and how much. Then mark them in the order of which ones cause you the most stress, as that is the first one you should tackle. If, for instance, it is a bank loan or a credit card, try to pay just a few dollars extra each month. You may be surprised how quickly the balance comes down when you do this.

When you have got rid of that debt, look at the next most stressful, and the money you were paying off the first one add to the payments of the second. The debts will start to reduce quicker than you might think, and each time you cross one off that original list you will have a great feeling of accomplishment.

With credit cards, it can also help if you take advantage of zero interest offers, as at least then the payment you make is reducing the debt instead of only paying off the interest each month. Checking out card guru is possibly the easiest way to find the best deals for credit cards. Just makes sure you use all of the right information to make an informed decision.

Be Realistic And Positive

You need to be realistic about how long it will take you to clear your debts, and think of it in a positive way. Don’t tell yourself that you will never be debt-free. If it is going to take five years, then think how happy you will be when the five years is up. Also remind yourself that as each of those five years pass, the amount you will owe will be reduced, and that has to be a plus.

Negative thinking will not help your situation at all, and the debts will make you even more stressed unless you are positive about your plan to clear them.

Making small steps towards your debt-free life is the secret to Strategic Financial Solutions. If you do not expect your dent to reduce in huge amounts each month, you will not be so disappointed when they do take time to pay off. But never forget what your aim is, and be proud of yourself for each small achievement you make.

Make The Most Of Your Income

Believing that your income is not enough to pay your way is the first step toward financial ruin. Focus on using your income wisely. Only spend what you really have to and try to reduce your living expenses. Simple things such as buying supermarkets own brands and having less meat in your diet can reduce your shopping bill significantly, and that spare money could go toward clearing your debts.

Friends, do you have steps you take to getting over financial stress at home? Leave your tips in the comments below.

Bargain hunting is definitely something that you’re going to have to try and master if you want to save a little bit of money. Well, it might not even be a little bit of money if you get really good at it. Why do we think everyone should start bargain hunting? Because life only seems to be getting more expensive, and the more people that come into your life, the more you seem to have to start paying out for.

Considering you most likely won’t be able to bring more money in, it becomes all about controlling the money that’s going out, and we think it’s so easy to do when you get into the swing of things. It isn’t any more time consuming than normal shopping would be, you just have to change your mindset, and change what you look for when you do go shopping.

So, here’s how we think you can really become a master of bargain hunting, and why you should definitely make it top of your list of things to do!

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The Basics Of Bargain Hunting

So, if you’ve never really been one to hunt for a bargain before, then you need to get to grips with the basics of bargain hunting, and how you’re going to be able to do it from store to store. You’re not necessarily looking for a sale, although that would always be handy, you should be comparing the prices of things you usually buy between the different stores you could get it from. Because at the minute, you could be shopping at a store for your groceries for example, without realizing that you’re paying a certain percentage more than if you were to go for a discount store for example.

The best way to do your grocery shop in our opinion is to do it online. It’s so much easier to glance and which store is cheapest in general, and find out how you can make your savings. But generally, if you are going to bargain hunt, you need to think about looking for a sale wherever you can. Even if it means buying store brand items, you’re still going to save a hell of a lot compared to if you were to buy a normal branded item!

Saving On The Big Spends

You’re probably making big spends more often than not. Birthdays, Christmas, Christening… the list could go on. To save on the big spends, you’re going to have to look through discount sites to see price comparisons. People never really tend to go through discount sites, perhaps because they don’t trust the legitimacy of them. But as long as you check the Trustpilot rating and other reviews, they will be fine to shop from, and boy can you save a fortune!

Seeing How Much You Save!

If you really want to be able to tell the difference, you should calculate how much you spend now, and how much you spend on big purchases, and compare it what you are going to spend after reading this article. You could put the saved money aside for a rainy day, or put it towards a holiday fund!

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For a lot of people, living frugally in the here and now and saving up a substantial amount, as a result, doesn’t seem especially “sexy.”

Slogans such as YOLO (the infamous “You Only Live Once”) have been pretty popular in recent times, and there’s a certain Instagram celeb-obsessed idea going around that whatever money you have, you more or less need to flaunt it in the here and now in order to have fun, live an exciting life, and not be bored.

And yet, many people find that once they commit to living a somewhat more frugal life, and saving a higher proportion of their income, they enjoy better peace of mind, greater security in life, greater possibilities for the future, and more satisfaction than they would if they had lived more extravagantly in the day-to-day.

So, here are some reasons why it’s worth living more frugally now, in order to save for the future.

Wealth and financial freedom are a matter of money management, rather than income

If you ask the average person what “wealth” means, it’s likely that will you get a lot of replies along the lines of “wealth means making lots of money.” Intuitively, this makes sense. Everyone has probably dreamt of winning the lottery at least at some point in their life, and no one is against the idea of making more money.

But the simple and counterintuitive reality is that “wealth” is a matter of good financial management, rather than having a larger income.

If in doubt, just consider the many celebrities you can think of off the top of your head, who became incredibly wealthy through their careers, only to then blow it all on extravagant living, and end up bankrupt – or close to it.

What’s more, some research indicates that the vast majority of lottery winners end up flat broke within a few years of their big win.

People are drawn to the idea of wealth, because it offers security, increases prospects, and all that other good stuff. But in order to enjoy these benefits, you need to actually be able to amass and hold onto your money, rather than frittering it away carelessly on daily luxuries.

To that end, adopting a more frugal approach to life in the here and now, and saving up more of your income, can get you on the track early. And, if you do win the lottery some day, you are more likely to be able to use that money to transform your life over the long term, not just as a means of partying hard for a few years.

Saving up now allows you to increase your life security and satisfaction through wise investments down the line

Living a more frugal life in order to save, implies that you are saving for a particular purpose. Ideally, a large part of that purpose will be so that you can enjoy greater security and satisfaction down the line, as a result of wise investments.

If, for example, you review a good mortgage payment calculator, save accordingly, and get your own house, you will be much more autonomous, self-sufficient, and secure in your home, than you would be if you had kept renting indefinitely.

It may be silly to deny yourself any pleasures, or luxurious expenses throughout your life, for the sake of potentially being rich by the time you’re 70. But, even on a much shorter time horizon, saving up for worthy goals can significantly improve your life along with various dimensions.

Living more frugally encourages you to appreciate the simple pleasures of life more

it’s not exactly uncommon for people to fall into a cycle of compulsive spending, in order to try and keep their lives interesting, fun, and exciting.

But if you’re always chasing after the next hot appliance, outfit, or gadget, are you not also at risk of taking the things you already do have for granted?

Living a more frugal life encourages you to appreciate the simple pleasures of life more. It encourages a sense of gratitude and appreciation for the things you already own, and it pushes you to seek fulfilment through things such as your professional and personal accomplishments, your relationships with friends and loved ones, and so on.

Of course, that’s not to say that you have to live like a hermit monk and never buy anything new at all. But a lot of people will testify that it’s better to be more mindful about spending, so as to better appreciate what’s right in front of you.

Please note, this post is sponsored by Diamond Bloggers. All opinions expressed are my own. Thank you.

There are very few people who are opposed to the idea of charity. As humans, we are hard-wired to help others and confront needs when we see them. Unfortunately, there are also very few people who are content with the level of generosity in their lives.

As most people I know wish they were able to give more. And while there are a number of reasons, often the best solution may be the simplest. So if you are looking for better ways to be more charitable in 2019 here are five ways to get started,

5 Simple Ways to Become a More Generous Person

Consider the benefits of generosity. Generous people report being happier, healthier, and more satisfied with life than those who don’t give regularly. And one of the main reasons for this is that generosity produces an inner sense that we are capable of actively addressing the needs of those around us. Leading to a sense of personal responsibility in making our communities safer, healthier and more unified. While generosity is typically seen as non-self-serving, the personal benefits that can be derived from a life geared toward stewardship can benefit each of us in immeasurable ways. And is indeed one of the most important steps that we can take in getting started leading a more generous life.

Embrace gratitude. One way to ingratiate charity into your year is to adopt a personal attitude of gratitude at home. Which can start as simply as creating a list of what you are most appreciative of in your life which may show you ways that you can afford to give back to others in the reflection of your personal blessings at home? As the most important step you can take to become more generous is to spend more time thinking about what you already possess and less time thinking about what you don’t. Once you start intentionally thinking that way, you may be more apt to share your life with others.

Give first. When you receive your next paycheck, make your first expense an act of giving. Often times, we wait to see how much we have left over before we determine how much we can give. The problem with this formula is that most of the time after we start spending, nothing left over. This is coupled with the idea that the habit of spending all of it is too deeply ingrained in our lives. To counteract that cycle, give first. Every payday, write a check for $10 to your local homeless shelter. You just may be surprised how you won’t even miss it.

Fund a cause based on your passions. There are countless charities and causes that need your support. With many being in-line with your most compelling passions. No matter if your cause of choice is anchored to the environment, poverty, or religion, there is a way for you affordably give back. Spend time thinking of causes you care about and then commit to giving regularly to those charities. Perhaps as an automatic withdraw or contribution from your paycheck each cycle.

Intentionally decide to change your investments. Oh sure, a lot can be said for changing our spending habits. An equal measure can be stated for changing how we invest particularly in how we invest in businesses charity-minded firms that predicate their business plans towards charity. This allows investors to he intentionality that emerges in your life will help you discover the need for generosity. Such as Matt Redhawk whose firm has found success in multiple fields and allowed Parker the opportunity to give back. His priority is to help families to become self-sufficient and to take control of their own destinies.

Which shows that generosity rarely happens by chance. Instead, it is an intentional decision that we make in our lives. But it does not need to be as difficult as many people think. Sometimes, starting with the simple steps is the best step that we can take. So, friends, I’d like to ask you what simple steps have you incorporated into your life to foster generosity? Please leave your thoughts below.