Guest Post: For Women and Their Finances, A Man Is Not A Plan

The following is a guest post. This post does not necessarily reflect the views of Suzanne and David E. McClendon, Sr. or Manian Debil Productions.

For Women and Their Finances, 

A Man Is Not A Plan

In generations past, many women thought they didn’t need a financial plan. They relied on their husbands to handle that responsibility.

But from a financial planning perspective, that was a bad idea – both then and now. As a demographic, women have always outlived men so they were destined to manage their finances at some point in their lives. This might happen when they got out of school, before they got married, after a divorce, after their spouse died, or a combination of these situations.

“A man is not a plan,” says Kathy Longo, a financial professional and author of Flourish Financially  – Values, Transitions, and Big Conversations (www.flourishwealthmanagement.com).

“Statistics show that all women are going to have to take the reins of their finances at some point in their lives – it has never been something that they should just hand over to their husband.”

Longo says women should build their financial confidence by:

  • Understanding spending.  All spending can be divided into two categories – critical spending and “nice-to-have” spending, Longo says. “Critical or necessary spending includes everything you need to live, not everything you want to have,” she says. “Nice-to-haves aren’t necessary for day-to-day living. Understanding the difference between these two expenses will help you budget and know which expenses to cut back on, especially if you have a financial setback.”
  • Understanding debt. There is good debt and there is bad debt. “Good debt facilitates a goal such as a mortgage to buy a house or student loans to further one’s career,” Longo says. “Bad debt includes any debt with a high-interest rate such as credit card debt for things you don’t really need.” She says it’s important to beware of bad-debt purchases and have a plan to pay off debt as soon as possible.
  • Building an emergency fund. You can’t control when an emergency hits, but you can control being financially prepared for emergencies, Longo says.Ideally you should have 3 to 6 months of living expenses stored away as your emergency fund. This can be overwhelming, so start working toward saving one or two paychecks for an emergency fund and go from there.” This can help you through one of life’s inevitable surprises.
  • Saving early. The earlier you begin creating and executing a savings plan, the more money you will have when you need it. “It is not just that you are building savings, but you are also getting growth on that money,” Longo says. “The sooner you can build a habit to “pay yourself first” the sooner you will see that savings balance grow which create possibilities for the future.
  • Gain confidence around your finances. It is never too late to take control of your finances and your life regardless of your sex. “But women, in particular, need to understand that the sooner they grasp their true financial picture,” she says, “the sooner they can start managing their finances to create the future they want.” It is much better to take an active role and interest in your finances than to wait for a transition such as divorce, inheritance, or being widowed. Focusing on the goals and possibilities your investments bring may be more comfortable than thinking about the dollars and cents, and equally effective.

About Kathy Longo, CFP®, CAP®), CDFA

Kathy Longo, author of Flourish Financially  – Values, Transitions and Big Conversations, is founder and president of  Flourish Wealth Management (www.flourishwealthmanagement.com). For more than 25 years, she has served her clients with extensive knowledge and wisdom as a wealth manager, financial planner, firm manager and business owner.  Her many awards include being named one of the top 50 Women in Wealth Management by Wealth Manager Magazine. She has been a wealth manager for 25 years and has held wealth management positions at such firms as Accredited Investors, Family Financial Strategies, American Express Trust Company, KPMG, Deloitte & Touche and CCP Financial Planning. She lives in Minneapolis with her husband and three children.

 

Please be advised that all  information in the How to Manage Your Monkey Course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course.

Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional. 
Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances. 

Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit fromyour transaction, at no additional cost to you. Thank you for your support. 

 

Manian Debil Productions is a participant in the  Amazon Services LLC Associates Program, an affiliate  advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

 

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Book Review: BRAIN HACKS: Life-Changing Strategies to Improve Executive Functioning by Lara Honos-Webb PhD ISBN: 978-1-64152-1-604


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Recently we have been asked to review many books regarding brain health and/or brain functioning.  The overall opinion of all these brain experts is that there are things we can do to improve our brain functioning.

One thing that seems to be absent in BRAIN HACKS: Life-Changing Strategies to Improve Executive Functioning by Lara Honos-Webb PhD is how important diet and nutrition are in our brain health.

Other than that, the advice in this book seems to support all the other information we have read.

The book presents readers with multiple ways to increase our brain function.  All of these hacks are simple to do and, for most of them, no one will know you are doing them. That way you can improve and no one has to know you perceived you had a problem.

Brain Hacks is well-written and well-presented. As we age, we can expect some diminishing of brain function.  This book can help you avoid that.

We were sent a complimentary copy of this book.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255.

Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction, at no additional cost to you. Thank you for your support.

Manian Debil Productions is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.
Buy on Amazon https://amzn.to/2DlwFfy

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Book Review: The Anti-Inflammatory Diet Slow Cooker Cookbook: Prep-and-Go Recipes for Long-Term Healing by Madeline Given NC ISBN: 978-1-64152-251-9


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We looked over
The Anti-Inflammatory Diet Slow Cooker Cookbook: Prep-and-Go Recipes for Long-Term Healing by Madeline Given NC and found it to be easy to follow and well-written.

The beginning of the book explains a lot about anti-inflammatory eating and what should make up a good part of our diet.

We live in a fast-paced world where everyone eats fast on-the-go.  The book will help with that. Instead of grabbing a quick burger from the local fast food drive thru, we can have a hot, delicious, healthy meal.

Prep time is kept to a minimum and most of the cooking takes place slowly while we are doing other things. If you don’t have enough time to fix the recipes in this book, you don’t have enough time to go tell a clown head what you want to eat, either.

We think you will really like The Anti-Inflammatory Diet Slow Cooker Cookbook.  It will make a great present for any would be cook on your list.

We were sent a complimentary copy of this book.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255.

Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction, at no additional cost to you. Thank you for your support.
Manian Debil Productions is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

McClendon Villa     McClendon Villa’s Reviews From the Kitchen of McClendon Villa   McClendon Villa at BloggerP. S. Annie  P S Annie at WordPressP. S. Annie 2Random Thoughts and Observations   Redneck MBAHow to Manage Your Monkey at Blogger   How To Manage Your Monkey at WordPressReviews By David and SuzanneBook Reviews By Bird     Book Reviews By Bird 2Book Reviews by Bird at WordPress

Book Review: Home Buying In 30 Minutes: Build your team, get your mortgage, and close the deal. The quick guide to doing real estate right. by Jim Morrison ISBN: 9781641880237

Roll Out November 14, 2018


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No two real estate transactions are exactly alike.  There is no one right way to buy a home. Home Buying In 30 Minutes: Build your team, get your mortgage, and close the deal. The quick guide to doing real estate right. by Jim Morrison helps you learn how to assemble the proper team to help you make the right choices.

This book is not going to teach you how to avoid all the mistakes that you could make when buying property.  What it will do is teach you who you can ask and what questions to ask, and when, so that you can avoid the most common mistakes.

The author is an expert in the field.  This book really only takes about 30 minutes to read.  However, it is packed with information that will educate the potential home buyer.

We give Home Buying In 30 Minutes all five stars.  We think it is well written and probably one of the best small investments one could make before attempting to make one of the largest investments most people will every make

We were sent a complimentary copy of this book.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255.

Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction, at no additional cost to you. Thank you for your support.

Manian Debil Productions is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Buy From Amazon: https://amzn.to/2OeY8kc

McClendon Villa     McClendon Villa’s Reviews From the Kitchen of McClendon Villa   McClendon Villa at BloggerP. S. Annie  P S Annie at WordPressP. S. Annie 2Random Thoughts and Observations   Redneck MBAHow to Manage Your Monkey at Blogger   How To Manage Your Monkey at WordPressReviews By David and SuzanneBook Reviews By Bird     Book Reviews By Bird 2Book Reviews by Bird at WordPress

Book Review: 5-Ingredient One Pot Cookbook: Easy Dinners from Your Skillet, Dutch Oven, Sheet Pan & More by Linda Kurniadi ISBN: 978-1-64152-141-3

Roll Out November 20, 2018


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Many of us are looking for easy recipes that are easy to cook and tasty at the same time.  5-Ingredient One Pot Cookbook: Easy Dinners from Your Skillet, Dutch Oven, Sheet Pan & More by Linda Kurniadi has that.

The recipes in this book are simple to follow.  There is a quick explanation at the beginning of the book to tell readers what they should always have on hand to make simple, five ingredient recipes without breaking the budget.

Most of these recipes are awesome.  There is even a recipe for my favorite, Broccoli Cheese soup. How great is that?

We give 5-Ingredient One Pot Cookbook all five stars and you will, too. We think it will make a wonderful Christmas present any busy person on your Christmas gift list.

We were sent a complimentary copy of this book.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255.

Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction, at no additional cost to you. Thank you for your support.

Manian Debil Productions is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Buy From Amazon: https://amzn.to/2Pxq9Ij

 McClendon Villa     McClendon Villa’s Reviews From the Kitchen of McClendon Villa   McClendon Villa at BloggerP. S. Annie  P S Annie at WordPressP. S. Annie 2Random Thoughts and Observations   Redneck MBAHow to Manage Your Monkey at Blogger   How To Manage Your Monkey at WordPressReviews By David and SuzanneBook Reviews By Bird     Book Reviews By Bird 2Book Reviews by Bird at WordPress

Review of: Mackenzie Goes Adventuring Board Game and Activity Kit by Post Mortem Publications



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We loved the book Mackenzie Goes Adventuring and thought it was great for all children.  Now, Post Mortem Publications has released the Mackenzie Goes Adventuring Board Game and Activity Kit and it is great.

Every year about this time, children begin to ask their parents for that one special game.  This year, this activity kit will be among those most asked for.

The game is easy to play.  Adults will love spending time with their kids.  It also plays fairly quickly, so those kids who have a very short attention span will get to finish the game.

The Mackenzie Goes Adventuring Board Game and Activity Kit also comes with a puzzle and coloring book.  This will give children hours of fun. All the parts are well-made and will stand up to most children. You will want to add this activity kit to your family home evening.

We were sent a complimentary copy of this activity kit.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255.

Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction, at no additional cost to you. Thank you for your support.

Manian Debil Productions is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Buy From Amazon: https://amzn.to/2D5SrE7

  McClendon Villa     McClendon Villa’s Reviews From the Kitchen of McClendon Villa   McClendon Villa at BloggerP. S. Annie  P S Annie at WordPressP. S. Annie 2Random Thoughts and Observations   Redneck MBAHow to Manage Your Monkey at Blogger   How To Manage Your Monkey at WordPressReviews By David and SuzanneBook Reviews By Bird     Book Reviews By Bird 2Book Reviews by Bird at WordPress

Book Review: Seriously Good Freezer Meals: 150 Easy Recipes to Save Your Time, Money and Sanity by Karrie Truman ISBN:978-0-7788-0591-5


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We at McClendon Villa constantly looking for ways to save time and money in the kitchen.  We think Seriously Good Freezer Meals is a great way to do both.
In this book, you will find a lot of helpful information.  The author gives readers a how-to-do-it guide in the front of the book and then 150 recipes with instructions for how to multiply each recipe.  That way, if you only want to make one meal, you can.

We are provided with step-by-step instructions on preparing, cooking, freezing, and heating to serve each recipe.

Readers are also given instructions of what to do if they want to make the meal to serve now as opposed to freezing it for later.

7763e-stars_05
Five Star Review

We give Seriously Good Freezer Meals all five stars.  The pictures alone are worth all five stars. This should be a part of your How to Manage Your Monkey budget meal planning.

We were sent a complimentary copy of this book.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255.

Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction, at no additional cost to you. Thank you for your support.

Manian Debil Productions is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Buy on Amazon: https://amzn.to/2CZZbDi

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What’s in the box? Mackenzie Goes Adventuring Board Game and Activity Kit by Post Mortem Publications ASIN B07GZ1ZKWJ

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Mackenzie Goes Adventuring Board Game and Activity Kit by Post Mortem Publications ASIN B07GZ1ZKWJ is the must have Christmas Gift.

What’s in the box:

Extra Large Full Color Game Board

4 Meeples (Game Pieces)

Deck of 42 Animal Playing Cards

Instruction Sheet

104 piece large piece puzzle

32 Page Activity Coloring Book

4 crayons.

Loads of fun for your family home evening.

We were sent a complimentary copy of this activity kit.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255.

Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction, at no additional cost to you. Thank you for your support.

Manian Debil Productions is a participant in the Amazon Services LLC Associates Program, an affi liate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Buy Now From Amazon: https://amzn.to/2D5SrE7
McClendon Villa     McClendon Villa’s Reviews From the Kitchen of McClendon Villa   McClendon Villa at BloggerP. S. Annie  P S Annie at WordPressP. S. Annie 2Random Thoughts and Observations   Redneck MBAHow to Manage Your Monkey at Blogger   How To Manage Your Monkey at WordPressReviews By David and SuzanneBook Reviews By Bird     Book Reviews By Bird 2Book Reviews by Bird at WordPress

Guest Post: Santa Warns Kids to Start Doing Chores

The following is a guest post.  This post does not necessarily reflect the views of Suzanne and David E. McClendon, Sr. or Manian Debil Productions.

Santa Warns Kids to Start Doing Chores

Tis the season for helping out at home and sharing with people in need

Getting kids to clean their rooms and do other chores around the house is usually a constant battle for parents. But, very soon kids will be hard at work writing letters and making lists of the toys and games they hope to receive for Christmas creating the perfect opportunity for parents to re-motivate their kids.
Santa and his elves will be watching to make sure those chores are getting done and that valuable lessons are being learned as well. For parents with a busy holiday schedule, follow these simple tips to get kids to help more around the house and keep them motivated year-round because Santa is always watching.

Make Like an Elf – It might be hard for kids to understand the concept of a job so put it in holiday terms. Santa and the elves are working hard to make the toys and games, so kids need to work hard to earn them. Treat their chores as their first job and an opportunity to start teaching them about spending, saving, donating and investing.

Divide Up Hosting Housework – Assign your children tasks that match their ages and skill sets to get the house ready for holiday guests. Make sure to give them a deadline to help teach time management and keep them focused. Pay them for the work they do and suggest they use the money to pay for small gifts for a family gift exchange.

Shovel Up the Savings – Broaden the concept of a “first job” for older kids by having them do chores for neighbors. You can either pay your kids for raking leaves and shoveling snow or talk to your neighbors about hiring your kids for a small amount. Have your kids put the money into savings and use this as an opportunity to teach them about the different types of interest that can be earned through savings accounts.

Spread Cheer – Going out of the way to help others during the holidays is in the spirit of the season. To teach kids the importance of helping others and make them feel like they are making a difference have them use part of their earnings from doing chores for a charitable donation or to buy gifts and food for families in need.

Stuff Stockings with Stocks – If you want your kids to help out with chores all year, not just during the holidays, give them a reason to be motivated. Adults work for a paycheck and kids will too, especially if their money starts growing in the stock market.

Gregg Murset, CEO BusyKid

The co-founder & CEO of BusyKid, Gregg is best known as the groundbreaking inventor of My Job Chart which grew to nearly 1 million members in four years. Gregg is a father of six and a certified financial planner and consultant who also became a leading advocate for sound parenting, child accountability and financial literacy.
Please Visit My Child Bride Suzanne’s Blog

Please be advised that all  information in the How to Manage Your Monkey Course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course.

Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

  
Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.

Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit fromyour transaction, at no additional cost to you. Thank you for your support.

Manian Debil Productions is a participant in the  AmazonServices LLC Associates Program, an affiliate  advertisingprogram designed to provide a means for sites to earnadvertising fees by advertising and linking to Amazon.com.

McClendon Villa     McClendon Villa’s Reviews From the Kitchen of McClendon Villa   McClendon Villa at BloggerP. S. Annie  P S Annie at WordPressP. S. Annie 2Random Thoughts and Observations   Redneck MBAHow to Manage Your Monkey at Blogger   How To Manage Your Monkey at WordPressReviews By David and SuzanneBook Reviews By Bird     Book Reviews By Bird 2Book Reviews by Bird at WordPress

Book Review: 30-Minute Cooking for Two: Healthy Dishes Without All the Fuss by Taylor Ellingson ISBN: 978-1-64152-224-3

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Suzanne and I remember the days when we were newlywed.  She could cook up anything she wanted to without having to worry about picky eaters.  We passed those years a long time ago and are now back to being almost empty nesters.

That is where cookbooks like 30-Minute Cooking for Two: Healthy Dishes Without All the Fuss by Taylor Ellingson will now come in handy.  Suzanne can whip up small batches of food quickly and easily with no fuss or muss.

The recipes in this book are quick and easy to prepare.  Most of the recipes use only eight ingredients or less. There are easy to find ingredients that should be available in your local store.

Whether you are a newlywed couple, or empty nesters, you will find 30-Minute Cooking for Two to be loaded with lots of great ideas.  This will make a great gift for the cooks on your list.

We were sent a complimentary copy of this book.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255.

Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction, at no additional cost to you. Thank you for your support.

Manian Debil Productions is a participant in the Amazon Services LLC Associates Program, an affi liate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Buy on Amazon https://amzn.to/2CZZbDi

McClendon Villa     McClendon Villa’s Reviews From the Kitchen of McClendon Villa   McClendon Villa at BloggerP. S. Annie  P S Annie at WordPressP. S. Annie 2Random Thoughts and Observations   Redneck MBAHow to Manage Your Monkey at Blogger   How To Manage Your Monkey at WordPressReviews By David and SuzanneBook Reviews By Bird     Book Reviews By Bird 2Book Reviews by Bird at WordPress