Tag Archives: investments

Financial Literacy – Kid’s edition – Part One

Advertisements

On today’s journey I want us to discuss something especially important in my own home and that is the topic of finances.  It is important to understand how money works and describing to children how we operate with money.

Table of Contents

    What does this mean?

    Financial literacy is the ownership of skills and knowledge particularly that equips you with making educated and valuable choices regarding finances. Well, as an adult we learned the hard way as we had to get a job first and then understand how to balance our budget, pay taxes, bills and all these different aspects, which can feel like it is falling on top of our heads. Then we learn how to deal with these new responsibilities and manage it. However, imagine if you were given the gift of understanding finances ahead of the game even understanding how to manage, coordinate and move your money around so that by the time you are in adult you have some equity earned interest an increased in your dollar just by investing in yourself.

    Conversations

    First wallet, always starts the excitement.

    We bought this wallet at Oldtown in Orlando,FL. He loves it!

    In my household with our own children, when they turned five years old and they were able to write out their own names, I started individual bank accounts for them each. You can do a savings acct for them in the meantime but if you want them to understand the process starting at five is an excellent beginning point. If they had a deposit from their grandma, uncle, birthday, tooth fairy they would walk into their bank (with me as an escort) and do a deposit at the teller; I would stand by to assist but they would understand the jargon that was being spoken to them in that transaction and be able to answer questions and begin to understand the process. This is the important piece as they are physically part of these transactions. We typically would open a savings and checking account.

    Big Picture and Expenses

    We as parents concentrate on the big picture expenses for example: shelter, food, clothing, even entertainment. We also maintain anything they may need, which can include technological items such as computers, phones and gadgets for school and fun. Sometimes my kids want the latest game or a fashionable sneaker or trend and something of this nature I ask them about what they have in their allowance or what other items they want to do in the house to help work for these. So, how does this work?
    There are a couple of methods, but I will give the example of low end and high end. This just indicates the parent contribution not including gifts that you may receive. Other rules of financing and banking you should consider are the following.

    TypeBank RulesRate/AmountDetails
    Interest RatesCan range and payout annually or be accrued and offset monthly with your statement. 0.001% – 0.06%Some banks offer reward programs for a higher balance that can increase this. 
    Check with your financial Institution.
    ResponsibilityThe manager of the account is the parent.  However, when the child turns 13, they can usually download app and maintain account.  If it is a checking account since an adult is listed on the account a debit is usually issued.This rule can vary bank to bank this why financial education is important at an early age to prepare them for when they are a teenager. 
    Check with your financial Institution.
    FeesFees (Maintenance, overdraft, check bounce) can apply but for a child or student savings/checking account they can be waived$12 – $60To avoid Fees, you may need to keep a daily balance of $500 to $1500 after the age of 24. 
    Check with your financial Institution.
    TaxesIf the yearly balance does not go over 15000, taxes will not apply on the account.  Normally these deposits are post tax your individual income.  For the child, they are not required to report as you are listed on the account.  Until they are a legally recognized as an adult by the government standard and no longer a minor.$260 and up.For a single person, with no dependents at the age of 18.  They may owe $260 of a $2,500 taxable income.  Based on the IRS tax table, please speak with your accountant or taxing professional for your individual advice.
    FDICEach individual account at any bank is covered for up to $250,000.00 at any time.  If you accrue more than this amounts you may need to open a different account, trust, or fund.Not covered 250,000.01Individual accounts $250,000.000
    Joint accounts $500,000.00
    Check with your financial Institution.
    Life InsuranceExcellent way to plan, thinking positively.  Because this money usually has a fixed rate, that you can borrow from for braces, college, first car, down payment on a home)$35 -$100 MTHEvery provider is different.  Best to choose from are the Mutual of Omaha, Gerber, State Farm – reach out to find out more details.

    Now that we have an idea of the rules. How do we figure out the payments of allowance or money for our children? First you will need to set up three accounts Checking, Savings and Insurance. Of course, these are suggestions, but you may want to take advantage early.

    TypeAvailabilitySocial Security NumberPaymentsFrequencyDown PaymentFace ValueGuardian
    CheckingOnce Social Security is issued.Yes$1 – $26Bi-Weekly$25 – $1500Annual AmountParent only, at 13, a child can manage with parent, transitions at 18.
    SavingsOnce Social Security is issued.YesVariesVaries$125 – $500Annual AmountParent only, at 13, a child can manage with parent, transitions at 18.
    Insurance14 days old to 17 years of age.No$35 – $100Monthly or annually$5,000 – $500,000Parent until 18

    Plan Capital for Equity

    Now, have your children walk through the process with you. Understanding the game plan, in my mind is the first step. I have two options that can work for any income. They are called Low End and High End. Again, this does not include gifts or birthdays but just the payments on the parents’ end.

    TypeCheckingSavingsInsuranceOther
    Low End – AllowanceBased on age$125 at beginning (year 0)
    $500 at age 18.
    $35 a month (Based on policy ages 0-17 then transfer to whole life policy for adults)NA
    High End – AllowanceBased on age$125 at beginning (year 0)
    $576.9 bi-weekly from (0 – 16)
    $14999.40 a year total (under the $15,000 taxation mark)
    $250,000.00 lifetime (for this period 0-16 years)
    $100 a month (Based on policy ages 0-17 then transfer to whole life policy for adults)NA
    Bonus – Tooth FairyNANANABased on age per tooth. 
    Ex. 5 years old = $5.00.  20 teeth by rate = $100. 
    Have the child take the cash and make the deposits.

    Allowance Types

    What it looks like. Be warned there are many graphs here, these are estimated.
    For both Allowance types: Low End and High End, the checking stays the same.

    YearType RatePaymentsYearly Amount
    0Checking $   1,500.0011500 (Continued threshold)
    1Checking $           1.002626
    2Checking $           2.002652
    3Checking $           3.002678
    4Checking $           4.0026104
    5Checking $           5.0026130
    6Checking $           6.0026156
    7Checking $           7.0026182
    8Checking $           8.0026208
    9Checking $           9.0026234
    10Checking $         10.0026260
    11Checking $         11.0026286
    12Checking $         12.0026312
    13Checking $         13.0026338
    14Checking $         14.0026364
    15Checking $         15.0026390
    16Checking $         16.0026416
    17Checking $         17.0026442
    18Checking $         18.0026468
    19Checking $         19.0026494
    20Checking $         20.0026520
    21Checking $         21.0026546
    22Checking $         22.0026572
    23Checking $         23.0026598
    24Checking $         24.0026624
    25Checking $         25.0026650
    26Checking $         26.0026676

    The Low End and High End types really apply to the savings account. The idea in this plan is to make at least the low amount or any up until the high amount. You do not want to exceed on this account more than $15,000 per year but you want to have at least $125 until they turn 18 then $500 to prevent fees. Of course, if you are a millionaire, you can do whatever you want but for the average person this can meet multitudes of income ranges and teach your children how to save.

    YearType High EndPaymentsYearly AmountYearType Low EndPaymentsYearly Amount
    0Savings $ 500.0015000Savings $ 125.001 $ 125.00
    0Savings $ 576.902614999.418Savings $ 375.001 $ 375.00
    1Savings $ 576.902614999.4
    2Savings $ 576.902614999.4Total500
    3Savings $ 576.902614999.4
    4Savings $ 576.902614999.4
    5Savings $ 576.902614999.4
    6Savings $ 576.902614999.4
    7Savings $ 576.902614999.4
    8Savings $ 576.902614999.4
    9Savings $ 576.902614999.4
    10Savings $ 576.902614999.4
    11Savings $ 576.902614999.4
    12Savings $ 576.902614999.4
    13Savings $ 576.902614999.4
    14Savings $ 576.902614999.4
    15Savings $ 576.902614999.4
    16Savings $ 576.902614999.4
    Total255489.8

    For the life insurance, this works by specific policy. As a child’s medical is usually not put into question and the application process is simplified. Anyone can open a policy as the social security number is truly not needed. As low as $35 a month to $100 a month or annually from $420 to $1200 you can buy coverage. Typically, this covers death as it is a life insurance policy. What is not told to you is that the face value, which can be $5,000 to $500,000.00 is based on an index amount. And when the policy matures you can use it, which is typically at the age of 100. When the child is turning 17, you can begin to transfer the plan to whole term for an adult and they can take over the payment. For example, if they need braces, or want to buy a car, or later a down payment on a house, depending on where you are in your policy you can borrow that cash from the policy. Whether paying it back or not, which will deduct from the face value. Other benefits, include not needing to be reported on taxes and the money is all post taxable dollars. This is how the wealthy maintain their financial health within their portfolios.

    Piggy Banks

    All my children have one that is completely full of money from when they were born. We have never touched it and when they graduate high school it is theirs. One of the banks if from Tiffany’s so I ask that they manage with care. They also have individual banks like superheroes that they fill and often forget about.

    I still recommend a good old fashion Piggy Bank. Once they get full, take them and deposit into their checking and savings accounts. We consider this for them as income and explain the 2/3 policy.

    The 2/3 Policy is a strategy

    When you are an adult, you need to pay bills that are deducted from your wages that include taxes, utility, living expenses, gift, entertainment, miscellaneous, etc.  This concept teaches the child that no matter how much money they receive they will be responsible for a “bill” payment in the amount of 2/3 of the income.  You will truly only enjoy about 1/3 of it.  To plan for this mindset, in the example below I have $100 as the hypothetical gross amount in the piggy bank.  Here 1/3 of that money goes into checking as net and 2/3 into savings where it is saved for a future bill as the deduction. Although this really isn’t going anywhere it is stashed away. 

    Gross = Amount of Piggy BankNet = CheckingBill (Deductions) = Savings
    $100$33.33$66.67

    The best part is when they get their first paycheck/statement they will understand why they are “missing” the gross amount.

    Please leave comments below.

    Let me know, if you do something like this with your children, or if you try this method how did it work for you?

    Spotify

    Check out this complimentary, Podcast about Financial Literacy for Kids and thank you for joining me on this journey of Fannytasticlife!

    Get in touch

    Have something you want me to discuss on the podcast?

    Use the hashtag #Fannytasticlife on Twitter or send a message from the contact form.

    Hi Louis!

    Advertisements

    Have fun, enjoy life and dont forget to reward yourself! On this journey of Fannytasticlife!

    Loving yourself is especially important, self-love and self-care as I mentioned before. The value of this increases over time within yourself. I always set goals with rewards, some of these rewards are easily attainable and some require effort, money or focus but nonetheless all these rewards are promises I keep for myself.

    The other day my family and I went to The Mall at Millenia in Orlando, FL where they have many stores that you can enjoy shopping at. While shopping there it was a surprise to come across at first sight Yves Saint Laurent, Bvlgari, Rolex, Tiffany, Burberry, Chanel and then realize right in front of me was Louis Vuitton. I looked at my husband with beyond a Starbucks gaze and said pretty please may I take this moment. My husband took the kids and sat down; he knew that I recently made one of my goals a reality.

    My goals was to achieve my MBA, which I am so proud of!!!!

    That is me, circled in green. Yes, it is virtual but I am so happy here. Graduate 2021!

    Now, a lot of people graduated this year with so much to celebrate. The reason it is important to me, is because I have promised myself this moment, my whole life! My grandmother in 1974 got her master’s and she was 45 years old at the time. She always said do not wait your whole life to have this credential. However, life has taken its toll on me, and I am now 41 and so proud that I finally achieved this goal. I had promised myself that when I achieve this goal I will buy my dream, Louis Vuitton Bag and today at Mall – this purchase was my destiny. My grandmother always insisted that I should set goals in my life and when I can reward myself. This was the behavior she often taught me with my weight and many other life goals. She insisted since I was seven that my masters were non-negotiable,

    I particularly, have always studied law and you may have suspected that I would have a natural progression to a Juris Doctor (J.D.) as my grandmother always prescribed. However, I am very much into analytics and business, so I changed the course of my education to focus on Business Administration.

    I wanted to focus on key elements of human capital, marketing, financing, organizational behavior, economics, management and business ethics, I have mastered the art of payroll through my own life development. Ethics are very important to me as well as integrity and we discussed these topics within my coursework as well as deep dive into communication and analytics. While working with ADP I was able to tap into my analytics skills and become a subject matter expert in Analytics and Insights. I worked very closely with the product team and enjoyed these relationships as well as stayed in contact with them through Linkedin <3

    My goal was particular and detailed as I planned on not just graduating with the MBA but I had to a have earned a minimum of a 3.5 GPA. This was the important factor on whether or not I truly earned my reward.

    Back to the mall, so I was waiting online and so many people were also, some who already had beautiful bags. One of the line expeditors approached me and asked, “Is this your first time?” I thought she may have asked because I took a selfie… but she was asking everyone. She shared why she valued the store and some information, and I really enjoyed her level of engagement.

    While on line, I snapped this picture of me in the moment!

    I finally, make it to the head of the line and I am asked to meet Natalia. Natalia, smiled through her mask, and she was elegant, classy, and professional. Her look was clean lined with a pallet of neutral, black, and white and crisp red nail polished. Stunning! We started to walk through the store, and we discussed the House of Louis Vuitton, this was very enchanting. We also discussed types like canvas and leather, monogram, classic, etc. She asked me if I knew what I wanted or did I have something in mind, which I did. I knew I wanted something that my grandmother had, like her style as the MBA is in her legacy.

    I wanted a Monogram Empreinte leather in black only with a gold chain but not just any chain, we discussed many bags and then I saw the Multi Pochette in cream, but I did not say anything. She went to gather some other bags and then she unwrapped the Multi Pochette in black and I was in love and floored!!!! The chain had an iconic look similiar to Chanel. This is exactly what I have had my eyes on for the past three decades to purses similar. Some of the features I loved was the gold chain with the leather cord and the pouch attached that was removable with an addition across the shoulder strap, which made these two bags in one!!!! I saw the price and knew this was a purchase. We still looked at other bags – just in case. I thought to look at canvas and boots just to make certain I was sold, I was.

    Louis Vuitton mission statement is to”embody unique savior-faire, a carefully preserved heritage and dynamic engagement with modernity and to represent the most refined qualities of Western “Art de Vivre” (The Art of Living) around the world; to be synonymous with both elegance and creativity; to blend tradition and innovation, and kindle dream and fantasy”,to be creative and aim for excellence.

    zarnab wajahat

    This was complete white glove service and I was treated like a goddess, we shared, and laughed and over all my experience was incredible. I noticed people who came in and did not purchase were also treated amazingly and when they left were still given the respect. This confirmed my overall opinion on this experience, which was excellent.

    Here is my accompanying podcast regarding goals, rewards and of course Louis Vuitton!

    Here is what I purchased, which is available in store and online at Louis Vuitton

    Here is a Tiktok, enjoy 🙂

    Here is the bag, my reward! These pictures you can find on their website.

    My next goal is Doctor of Business Administration: Management – Qualitative Research degree, which I plan on attaining by 2024. At that point I will be Dr. Fannytasticlife and yes my reward will be … can you guess … Chanel. Possibly the Chanel Quilted Lambskin Extra Large Briefcase or something like that… who knows (wink wink)

    Thank you for joining me on this journey of Fannytasticlife.

    Please leave your comments and also I would love to hear you messages and publish them on my podcast click on the image below and select messages. Thank you. Bye Now!

    https://anchor.fm/fannytasticlife

    Caviar Dreams with Peanut Butter Pockets.

    Advertisements

    Often times we tend to dream big but not realistic. Then we are truly let down by our inflated expectations. No matter what you dream, I say dream big and set realistic goals that way it is not a letdown and when you make your goal, reward yourself; right! Manage those expectations even in regards to finance.

    Well, I recently had to do some adult stuff and roll over a 401K plan. I reached out to my bank and requested to open a Traditional IRA.

    I had to first call the financial administrator of my 401K plan and that was such a tedious long call that went everywhere but nowhere as they had an issue finding my account. Finally, at the end of the call I had to contact my bank and schedule a visit. I felt overwhelmed but I spoke to such a lovely lady at the bank, who scheduled an in person visit with me the following day.

    By the way, what I learned is that all you need to provide the administrator is the name of the bank and type of account you are rolling over to and they can send out your funds straight away without further delay.

    Sometimes, a review of finances can be intimidating like my fabulous style. So, I wanted to make my appointment visit with a professional attire. Our subconscious can sometimes do more harm that our conscious, anywho. I arrived for my appointment and I was treated like a queen. My, roll over was not a lot of money per say and I was also there to discuss my husband’s finances that I wanted to assist rolling over and that was significantly higher than mine. Either way, the representative at the bank treated me like gold, matter of fact platinum. While we were there she went over my account in addition to the services I needed on this visit and she went out of her way to explain changes I can make with my account to eliminate unnecessary fees, certain charges, and overall a healthier account that would work better for me. She then credited me back for an overcharge and two fees. I must say I felt like I was overjoyed with the treatment and amount of care she gave my account and business.

    Somethings we went over regarding my accounts I would like to share with you, that way, my amazing Fannytasticlife readers can enrich their own accounts and take away while possibly applying these practices to your finances; healthier wealth of knowledge.

    10 Tips to having healthier financial accounts (please check with your bank institution as this may not apply to every bank):

    1. At the end of every fiscal year, contact your bank and ask to be credited back for fees, normally you can be credited back for up to three. If you were charged $35 on an overdraft, or something like that as a mere customer courtesy they can apply $100 – $115 back to your account.
    2. How many accounts do you really need? Well if you are married you may want a joint, a private checking, and, a savings. In one bank institution as having multiple accounts may charge you maintenance fees that you cannot get credited back. Some banks offer no fees if you keep a specific minimum in these accounts and/or apply a direct deposit to the account of $500 or more monthly. Now if you make more than $500 a month you can split the direct deposit so that the checking accounts can get founded avoiding fees if you cannot make the minimum.
    3. If you have a savings, some bank will ask you to set up an automatic transfer monthly and that will eliminate any fees applies there.
    4. If you find that you have accounts a numerous bank (my issue, I spread the wealth) you will be getting charge maintenance fees all over. Now, Maintenance fees can range from $12 and up a month. That is about $144 – $250 a year, per account, per bank.
    5. If you have about $500 or more sitting around and you already have a 401K set up at your job but want to do a little investing on your own for a steady growth of funds you can open up your own Traditional IRA account and when it is a small amount $5000 or less, you can manage it yourself depending on the bank and invest these funds. You can also use the banks particular apps or feature to set a goal of what you are looking to make and then invest either risky or modest to build that investment.
    6. If you have $5000 or more most banks will offer an investing person to help you manage that wealth for you.
    7. Also, you can always at any time roll over your 401k to your own individual IRA without penalty. You may not want to this as some companies offer matched, however if your company does not offer a great package you can just open an IRA on your own and start investing for your future resting.
    8. Most banks offer great alerting tips, that let you know if your balance is low, if a transaction posted that was high and you can create some of them on your own when visiting the apps. This is a great feature if you have automatic payments that you may have forgotten about or just to set up reminders as we do get busy.
    9. Some accounts offer a benefit for savings, like if you open up a new account you get $250, if you have children you can set up new accounts for each of them and that can be the starting point for their account.
    10. Cashback, cashback, cashback… who does not love getting cash back. Well, this was not a tip that was mentioned, but we did discuss cashback and I have a tip that I utilize that may work for you. When you have a credit card (CC) that offers this here is a tip for you. Figure out what your overall balance is, and then instead of using it to make purchases apply it to a bill for example. Let us say your phone bill that you pay monthly is hypothetically speaking $100. Now, let us say you get a cashback of 5%, that is $5.00 if you project that for the year you can possibly earn $60. So, in lieu of paying the phone bill direct, think about it as a triangle. Use CC, to pay the Bill, use the cash to pay CC or set up an automatic recurring payment to pay the card; establish the amount or budget first. What will happen is your bill(s) will be paid and then when you pay CC, your best gal, she will reward you with cash back. This may need it is on blog…. I usually get a ton of questions on this. Let me know 🙂 would love to hear your feedback.
    • BONUS 1: Lastly, I have mentioned this in a previous blog and it is worth the mention here Protection for your best gal, CC I wrote about having insurance for all possible financial valuables including your credit. This can truly make the difference when you have an issue. For example, a lot of people recently became unemployed if you have an Account Assure or Credit Card Protection even an Aflac or policy of that nature, you can contact them and submit a claim that your life circumstances changed and now you are unemployed. Check out that article to learn how you can help yourself get financial help on those payments, possible hardships and sometimes they will pick up the complete tab.
    • BONUS 2: This comes from Nadia Pettignano who is a great long time friend, who recently mentioned in one of the comments on a post that they, “would also explore splitting mortgage payments 2x per month, it will save you tons of interest on your loan if you are a homeowner.” I am going to look into that! Thanks Nadia.

    Overall, I was super pleased with the level of service at the bank and all the the tender, loving, care (TLC) I was given.

    Thank you for taking this financial journey with me on this Fannytasticlife!

    Fannytasticlife, Coping with feeling left out! Fannytasticlife

    Missed memo, no RSVP… it happens. You will never be left out of Fannytasticlife join me on this journey, no invitation necessary! — This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app — Send in a voice message: https://anchor.fm/fannytasticlife/message Support this podcast: https://anchor.fm/fannytasticlife/support
    1. Fannytasticlife, Coping with feeling left out!
    2. Fannytasticlife, motivation starts and ends with you!
    3. Fannytasticlife, Meditation of Patience.
    4. Fannytasticlife, Teachers who inspire!
    5. Fannytasticlife, ZUMBA for wellness and business.

    Find me on:

    Instagram: FHBMGC

    Twitter: MRSFHBMGC

    Facebook: Fannytasticlife

    or send me an email at: Fannytasticlife@gmail.com


    Because of my amazing experience, please check out this offer from Chase


    Caviar Dreams with Peanut Butter Pockets

    Protection for you best gal, CC.

    Advertisements

    Do you protect your best friend? CC? Yes, I am very serious…CC.  Your Credit Card…well you should.


    As a mom, a wife, a modern chic; life happens.  For a while I had this cash only policy but let’s be realistic that is tough.  It is easy to fall into a “charge” and pay later life style. Wouldn’t you agree?

    I came across something that I normally ignored, which is Credit Protection.  Seriously, insurance for the credit cards you use.  Who cares, right?

    So, I have three beautiful sons and had to take maternity leave. For my first son, I had three jobs and my husband worked furiously but we were just making it.  Then I went on leave and took sixteen weeks.  Because the daycare I needed would not take a baby less than four months, so push came to shove and I had to stay home. The financial ripple became a title wave when the bills started coming in.

    One morning I was looking over one of my credit charges and it said “$0.89 protection fee”.  I inhaled this and got so angry thinking it was a complete scam.  Finances were so tight already.  For that $0.89 bogus charge, I called them.  

    We went over the bill and as I was about to request an extension.   “Jenny” the rep started explaining the charge. She then goes to say, “well like, if you ever have a baby or a surgery things like that you can put a claim in and we will cover your monthly installment or if you a customer that pays their credit lender on time we may even cover your balance” I questioned her for about 30 minutes not understanding that all this time I have been paying for insurance for my credit cards that I was actually and finally entitled to enjoy that benefit.  So, I told her I just had a baby.   What came next was gold.. “well, I see here that you have two cards with our insurance (from different credit lenders) and how long will you be out of work?” She asked. I explained 16 weeks.  She said “I will send you the paper work, complete it from your physician and employment and they will let you know what you are approved for.” Honestly, not believing anything would happen.  I said simply sure. 

    One week the paperwork came.  I asked my immediate supervisor/employer to fill out a portion and my doctor to full out the portion that applied to my situation. I sent the paperwork in immediately.  I received a response about two weeks later that said I was entitled to full balance.  When my charge statements came in I had a zero balance and almost fainted.  They cover $1500 for one charge and $2300 for another.  Complete. 

    I looked at the pile of bills and said wait what all about this.  It turns out I had insurance on all my charges, my vehicle, my home, my pets etc.  I called anything that I realized I was paying insurance  (boy, I felt like an idiot)  put all the claims in.  
    In the next, couple of months I received letter back: some covered balances, some just the monthly installment, some just froze until I came back, which didn’t add interest, and some gave me a new rate, a low rate in lieu of the normal rate, only one was denied but that was because it had a time limit.  

    We were about 90% paid for the next four months.  

    Baby two, did the same thing but this time I was 100% covered. 

    Baby three, same thing.  Why? Why not! This is the policy I signed up for AND I have the opportunity to utilize the resources that I have paid for.  I am now constantly making sure we have insurance on any and everything.  I pay about $1.00 a month to be covered for credit. About $39.00 for pet insurance. My children have their own policies,  which will become liquid for college.  

    And, most of my  protections don’t just cover maternity leave, they cover all leaves, changes, certain deaths, life changes – like moves…etc.

    This was definitely the smartest financial application I ever filled out.  

    We need to not always be sucked in but be researchers, identifiers, and yogis of our financial health.  If your sick you try to help your self to get better.  Do the same for your finances.  

    And have a #fannytastic life!

    Find me on:

    Instagram: FHBMGC

    Twitter: MRSFHBMGC

    Facebook: Fannytasticlife

    or send me an email at: Fannytasticlife@gmail.com