Join Our Twitter Chat for Entrepreneurs with Jen Groover, Avon + Me

avon
avon

Female entrepreneurs ROCK.  And Avon is in the business of empowering women to embrace entrepreneurship giving them the financial freedom they crave.  This is my third series with Avon and I am continually amazed at the life-changing stories shared by women who utilized the opportunity to quit their job, pay off debt and/or achieve financial freedom.   I am in the business of empowering women to find their center - financially - so I feel personally invested in this campaign. I understand the need to create financial freedom, especially as a woman in today's economy.  We are mothers, sisters and wives tasked with making it happen for ourselves, financially.  I founded Girls Just Wanna Have Funds over a decade ago (wow!) and today I run two businesses.  Girls Just Wanna Have Funds and a … [Read more...]

Why You May Soon Be Paying Your Spouse’s Child Support Payments

atlanta-child-support-lawyer
atlanta-child-support-lawyer

"I would never." "This is why kids used to always be a deal breaker for me.... Nope, not gonna happen." "I'd certainly want the best but I'd also have to consider that these 2 made the kids and they need to be legally and financially responsible. My income should not bare the responsibility of their inability to make this work. Now if he under-worked and stayed out of work to avoid responsibility then I'd leave him." These are just a sampling of responses to this article about the reader's wife having to pay child support to his ex-girlfriend and mother of his children: Dear Miss Jia, My wife first introduced me to your site, now I have become an official Miss Jia follower. Normally I would seek advice from those who I surround myself with but this situation is a lost cause. … [Read more...]

3 Ways to Make Your Monday Better

Monday
Monday

Mondays are the worst, and Tuesdays aren't much better. This isn't a new development for working class America either. In fact, the Monday blues have plagued society for generations. Sure, weekends offer a nice getaway from the daily grind that is the nine to five work week, but even the most relaxing weekends make for rough Monday mornings. There's no need to accept the status quo though. While there's not exactly a miracle cure for the dreaded "case of the Mondays," here are a few things you can do to make yours a little better. Keep a Reasonable Schedule Over the Weekend One of the major culprits of stress, no matter which day of the week, is fatigue. According to a recent Gallup poll, about 40 percent of Americans get less than the recommended seven hours of sleep each night. As … [Read more...]

In Defense Of Women Who Want To “Be Provided For”

stepford wife
stepford wife

“I mean, I don’t need him to be rich or anything, I just need for him to be making enough to provide for me some day, you know?” - seen at TeacherFinance.org If you've read some of the more contentious articles here, then you know there was a time when I drew a hard line when it came to women who decided to opt out either because they wanted to, can or have to do so.  The reasons for opting out range from wanting to spend more time with their families, be more hands on with the kids, pursue vocational interests - or whatever their hearts can justify at the time making a career pointless.  Thus, you have women who have chosen en-masse, to opt out. And It's OK. Here's the thing.  We really are too hard and judgmental as it relates to picking apart the choices that another woman makes … [Read more...]

5 Things Every Divorcee Must Know

bad-credit-after-divorce
bad-credit-after-divorce

The old joke that the only people who win in a divorce are the lawyers doesn’t have to be true.  There are some simple yet important steps that you can take to ensure that you weather and recover from a divorce in a quick and painless manner.  This is another example of the fact that in finances, the most important thing is a little planning and some hard work.   After a divorce, one of the most frustrating aspects is rebounding financially.  Fortunately, with some research and hard-earned common sense most people can not only recover financially from a divorce, but end up better off than when they were married.  Here are five of the bet tips for weathering a divorce. Make a realistic budget, and be sure to include and of your needs, and some of your wants.  The realities of suddenly … [Read more...]

Choosing the Right Point in Your Career to Start a Family

career mom
career mom

Despite the many advances that women have made, there's still a huge divide – you’re either in the Career Driven camp, or you’re part of the Young Mom gang. Women are still being pigeon-holed as either caring about their jobs or starting a family; the media would have us believe that we’re one or the other. Whether you’re a career driven 30-something yet to consider motherhood, or a 20-something just making her way in the working world; you might be wondering when the right time is to start a family. Is there such a time? Do you have to decide between children and a career? Or can the modern woman comfortably juggle the two – without any prejudice from her employers and colleagues? Here, try and answer these questions: The case for having kids in your 20’s While you might not have … [Read more...]

Infertility Costs and Insurance Coverage: What You Need To Know

Credit: Momsolo.com
Credit: Momsolo.com

Sometime ago we found out that we needed to utilize IVF in order to have a baby and I can't say that I was surprised.  Deep down I knew something was wrong but I wasn't ready to talk to my doctor openly about it.  Women, *sigh* we just have this intuition and we just know, right?  Well, I did.  It was after 2-3 years of my GYN (who is also a fertility specialist) pleading with me to take some more tests because he realized that my husband and I didn't use birth control and here we were 2 years later with no baby. We weren't trying on purpose to have a baby during that time, but something was really wrong and we didn't know it.  Being in my late 20s at the time, infertility did not cross my mind. At all.  But now that we do know something is wrong, I can't stress the importance of … [Read more...]

Planning a Family: Financial and Career Considerations

money_child_0328
money_child_0328

It’s an exciting feeling when you and your partner finally decide that it’s time to start a family!  Or perhaps you fall into the “surprise!” category and it’s, “ready or not, here we go!”  As exciting as it is, it can be scary as well.  Tons of different emotions and thoughts go through your head, just like anytime you step into The Great Unknown.  The notion of pregnancy itself is daunting enough, but what about your career?  Will you be able to afford a baby?  Take a deep breath; the bottom line is you will make it work one way or another, but a little planning is always helpful.  Here are some important things to consider: Financial Baby expenses – In addition to monthly expenses, there is the upfront cost of all of the gear to prepare for baby’s arrival.  Babycenter.com … [Read more...]

Planning For Baby? Check Your Health Insurance First!

pregnant women

Over the last year, we've been doing research on health insurance and whether we would be able to find fertility coverage through a group plan.  Unfortunately, this has not panned out in our favor as neither mine nor my husband's job provide this type of coverage.  Still, this wasn't a surprise, but we'd hoped to find a light at the end of this tunnel somewhere. What we did find out is that depending on the type of plan you have, individual or group, you may not even have maternity coverage! After consulting with many individual plans about fertility coverage, it just didn't make sense as the premiums paid would equal the cost of the procedure itself.  So we have that money put aside instead of plunking it into an insurance policy.  That said, the inquiry often went towards the fact … [Read more...]

Why IVF? How We Got To This Point

Some have asked privately and publicly about how we found out that we would need IVF to have a baby. I was on birth control for about 2-3 years before I finally ditched it.  There were too many side effects such as weight gain, increased acne and irregular periods.  I was switching brands every 4 months and I got sick of it. After we got married I decided to take my chances and go off birth control completely.  We weren't trying to have a baby but we also weren't actively preventing it either.  Looking back that was pretty bold because we certainly weren't ready for a child then. My GYN is a very well known (Washingtonian Top Doctors of 2010) fertility specialist in the DC area.  Highly respected with killer humor he always seemed to get snarky with me about not being on birth … [Read more...]

Infertility Treatment Insurance Options: Take 1

infertility_1

Recently, my husband and I decided it was time for us to get started on expanding our family.  However as the title of the post implies, we'll have some difficulty doing so naturally.  Today I set out to find more information on insurance plans that cover infertility since my husband's employer does not cover treatment at this time. I'm a little sad, because of the possibility of this situation being harder than I imagined.  After all I've read numerous infertility blogs over the years to understand the pain the women go through when trying to conceive.  And, I would be lying if I didn't admit to thinking "what if we had children right after we got married?"  But I know better, I've enjoyed the last 5 years together kid free.  Seriously.  LOL So where do we go from … [Read more...]

Lebron James And Savannah: Sidekick, Baby Mama or More?

savannah Lebron

**Warning, this is a flaming post** Apparently, Savannah Brinson thinks she is more than a Baby Mama to Lebron James.  In her exact words: "I’m the mother of his children. I’m not a baby mama. There’s a lot more to me than that." Hmmm. So are you his side kick?  That is how the man refers to her and if so then does that mean she is the Robin to his Batman?  Girl. Bye.  That's where Bosh and Wade come in. I'll make a disclaimer now so you can decide if you want to read more and hate me later or just hate me now and close the window.  I love everything about marriage, especially for African-Americans.  We can't keep doing this baby mama stuff and think we won't get our cards pulled.  So when I read articles like these rationalizing her position in his life it makes me irritated.  No, … [Read more...]

Moving Past Fears Towards Motherhood

motherhood

Some of you have asked, what are some of the reasons why we waited "so long" to have a baby.  I wasn't clear that 4 years was long but I will indulge because Im comfy sharing this part of my life with you.  Now. It really comes down to fear.  Growing up I lived a good part of my life watching my parents just out of control while raising me.  My mom was young at 19 years old and my dad was 20 years her senior but he was more of a stabilizer with his own issues as well.  As an adult I swore to never make the same mistakes they did, and, that in a nutshell is what has stopped me from jumping head first into motherhood.  It goes a lil deeper than that but that's what Im OK with sharing on here for now. Details? Marriage I wanted to have more time with hubby after we got married.   … [Read more...]

I Want A Baby, Really I Do.

baby question

Yes, I said it, I want to have a baby.  Sadly, I don't think my family believes this to be true.  Right now, we're on our annual vacation where close to 40 of us get together on a trip somewhere in the Caribbean.  Actually, two groups, B.I.G and I.T.S.  They are both investment groups where the women are I.T.S and the guys are B.I.G so we get together yearly to hang out, catch up, celebrate and relax. My husband and I are the only couple, that don't have children.  We are also the youngest at 30 and 35.  And, having been married for 4 years with a house, finished with graduate school and pretty much established in our respective fields, for them we need to have a bun in the oven, and soon. I've written about this before, but this time Im not all that annoyed by the incessant … [Read more...]

Having It All: Giving Up Peak Earning Potential To Have A Baby

  If you've been reading this blog for some time then you know that I am truly on a  quest to "have it all".  I want the man, the house, kids, degree and picket fence all by 30, and I got started at 26. But is this possible?  More importantly, necessary? My take is that we're growing up in a generation where women have the opportunity to garner far more accomplishments than their mothers and frankly this is exciting.  We're going to college at a rate higher than men and going on to the labor force in increasing rates than in previous generations. But at what expense? Personally?  I am at a point where Im married, own a home, have the degree, puppy on the way and an awesome career that I love.  But at 29 it means that my clock is ticking even louder with the prospects of … [Read more...]