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5+ Ways to Get Money Savvy Now

Money Savviness in the Palm of Your Hand

Money Savviness in the Palm of Your Hand

When I look ahead at my list of projects and tasks, sometimes it feels a bit overwhelming. But today is different. As I look over my shoulder, I can see a 4-year project completed, available, and ready for YOU!

Ask Renee1.jpgThe Money Savvy app is here! Publishing my book was an awesome feat, and I knew I could help a lot of people by sharing my money story and those of others. But this app has been designed and created just for you! My intent was to give you as much support as possible all in the palm of your hand. Going here and there to find sound, financial information can be overwhelming and exhausting. Now it’s all in ONE place!

Here are some of the features and benefits you’ll enjoy when you go to your app store (ios & Android supported) and download this awesome, FREE app.

For starters, you’ll join an exclusive money savvy community. It’s been proven that having support while forming new habits and creating new beliefs around a goal enable success more quickly and permanently. You’ll be able to access me privately and confidentially through the “Ask Renée” feature. No more worrying about everyone seeing your business on Facebook.

Another benefit of the app is that more indepth financial info will be taught and shared exclusively with this community . Starting a conversation about relevant, financial data and topics can be more in the moment when simply reaching for your mobile. So if you’re looking for know-how, you’ll find more of it here.

Other benefits include:

AppBenefitsReceiving the most recent blogs and vlogs directly without having to use Facebook or other portal sames time. Don’t get me wrong. The Money Savvy Woman facebook page will remain as robust as ever, but you’ll be able to connect with us directly through the app. Getting updates about market trends will be in the palm of your hand and easily accessible without distraction.

A financial calculator is included for FREE. You’ll learn how to use it so you can determine the full cost of a purchase or loan over time or expected and/or required returns of your investmnts. They’ll be fun lessons to help ease the learning process and help you make the most of your money.

A jotter is included so you can note that idea or thought that comes to mind without forgetting it.

You’ll know what events are being hosted by Money Savvy Woman and be able to register and check-in easily.

Do you like Instagram? You’ll be able to see where I am and what I’ve been up to with the latest pics posted in the gallery.

Exclusive trainings and deals will be extended to the Money Savvy app community. You won’t want to miss those!…

…and more. Go check it out now!

I’m so very proud that we can offer you such a great tool that’s accessible through your Apple or Android devices. I know I spend most of my time on my mobile as I’m out in the world and not behind a laptop. I think I designed this thing for me just as much as for you. So go now, download it (it’s free), and let’s start the conversation about your money.

Remember, It’s your money, your rules, your way!

Money Savvy Woman, Inc. © 2016

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3 Steps to Take Now To Put Yourself First Without Guilt

I know! Yes! It can be done …and you’ll see how it makes sense once I explain myself.

First, when I say “selfish,” I’m talking about the resistance to take care of ourselves FIRST because we feel it’s a selfish move. However, nothing could be further from the truth.

When I look at all the biblical references about money, they all point to the responsible management of it leading to an accumulation of wealth. And at that point, we are charged as God-loving people, to do what is responsible and right.

Now that last phrase means different things in difference cultures, and I want to be TOTALLY respectful of that. But truthfully, the Lord does not expect us to suffer from lack. He intends for us to prosper. Read more

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Smooth & Soothe with this Easy, Inexpensive, DIY Holiday Gift

Delight the Senses With This Amazing Sugar Scrub

Originally posted on December 19, 2014 by doTERRA

Looking for a festive and fun way to spread Christmas cheer? Try this fun candy cane scrub made with Peppermint essential oil! This scrub takes only a few ingredients and can easily be customized to your favorite colors and essential oils.

What You Need:

3/4 cup white sugar (you can also use brown sugar or sea salt)

1/2 cup Fractionated Coconut Oil (you could also use almond oil, grapeseed oil, or olive oil).

12 drops Peppermint essential oil

Skin safe food coloring


1. Combine sugar and Fractionated Coconut Oil into bowl and divide equally into two bowls.

2. In one bowl, add red food coloring until you get your desired color.

3. Layer the red and white scrub to create a ‘candy cane’ effect.

4. Tie a cute ribbon and tag on the container and you’re done!

– See more at: http://www.mydoterra.com/rcabourne/#/diyGrid

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12 Tips You Need to Know NOW to Actually Save on Holiday Travel

Are you itching to get away? Me too! And with the holidays coming up in the next few months, now’s the time to get it together. Here’s a quick checklist with helpful hints to get you where you want to go, at the time you choose, without turning over your arm, first born, or both.

Make a plan NOW. Check your travel budget and call your travel agent or start surfing TripAdvisor! Decide what you absolutely MUST have to make the trip meet expectations, such as airfare if you plan to cross the country in a single day, and a hotel if not staying with family or friends. When booking airfare, the customary rule of thumb for “affordable” fares is to purchase them three weeks prior to departure. If you’re travelling during the holidays or peak travel times, one to three months in advance has proven ideal.

If you’re planning on travelling over the holidays, be prepared to buy your airfare now to save a few bucks down the road. Here are some quick tips to keep travel costs as low as possible.

  • Fly over night aka take a Red-Eye. You can win two ways when you take an overnight flight. 1) The fare is usually more affordable. 2) You don’t have to pay for a hotel room that evening. This can work out well for seasoned travelers who roll with the flow and value the money savings. Perhaps the savings afforded by taking a red-eye round trip can enable a rental car or public transportation.
  • Travel on off-peak days. I have found that traveling on a Tuesday or Wednesday can save me quite a bit of cash. If your schedule will permit it, preview the fares for the month you’re travelling. You can often save a couple hundred dollars simply by flying midweek.
  • Set alerts so you don’t miss your opportunity to save. Kayak.com is the site I use. It’s great for setting alerts for the fares you’re interested in.
  • Use your frequent flyer miles or reward points. Upgrade or fly for free if you’ve got the points.

What about food? Here’s a few tips on saving money while still enjoying some culinary adventures.

  • Plan to eat breakfast in. This is often easily handled if you choose a hotel with breakfast included. However, consider a room with a kitchenette. The cost of breakfast fixings you prepare yourself compared to dining out each morning, will save you a small bundle.
  • Pack lunches. This is another great way to save a bundle, especially if you can get a small fridge in your room. Keep snacks, water bottles, and lunch items in a backpack so you can easily take a break under a tree or on a park bench and enjoy your meal.
  • Look for deals in the city you’ll be visiting. Google ‘entertainment and dining deals in (your chosen city)’. You can also connect with the Chamber of Commerce and the Visitors’ Bureau. They often will offer coupons and make suggestions for the best and main attractions during the time period of your visit.
  • Look for hotels offering “club level” service. In the past, I’ve paid an extra $25 a day for “access,” but it’s never been a disappointment. The time it make the most sense was when we were staying in NYC. We literally ate 5-star food, in tapas-sized portions, for breakfast, lunch, and “happy hour.” Amazingly, it included beer, wine, and champagne. Then, we’d run around the City and eat dinner out later in the evening. We saved A TON of money by eating in the hotel and planning meals around the “club level” schedule.
  • Bring your food. Don’t laugh. In some countries, a simple breakfast can cost $25 a person. I’ll share about this in just a minute.

Once you’ve determined what type of accommodations you want and where, it’s time to make that reservation. Here’s a couple tips on saving some money on hotel accommodations.

  • Purchase hotel stays on Sunday evenings, and call the hotel of your choice directly. The corporate reservations line will seldom quote the discounts and package deals for the specific location you’re interested in. Do your best to work directly with the reservation desk of the property where you want to stay. Introduce yourself through their social media. Post on their Twitter and Facebook pages to see if there are any deals to be gotten there.
  • Loyalty programs with the hotels can offer great savings, too. Just make sure you give yourself time to sign up and take advantage of any offerings for new members. If you’re a seasoned traveler and already engaged with a loyalty program, you know what to do.
  • Consider bundling your airfare, hotel, and rental car. Online sites such as Priceline, Expedia, Travelocity, and the like.

In closing, I’d like to share a quick story about a trip my hubby and I took in the blink of an eye. It had been too long between vacays, and my hubby needed one desperately. I called my travel agent. The conversation went like this, “Terri, where can I go to unplug for at least a week, for two, including airfare & hotel? I need to leave in eight days and I have a total of $3000.” She paused for maybe 15 seconds and came back with, “Tahiti. Yes, that might work with your budget. I can get you there with hotel for $1000 each, but food will be tough.” She went on to explain that EVERYTHING is imported there except the black pearls and vanilla. She instructed us to bring our own dry foods and buy staples there. We chose to eat granola from home and yogurt and fruit bought there for breakfasts. We packed boiling pouch foods for lunch which we heated up in the tea kettle. Each night we ate dinner out to the tune of $100-$150 for the meal. She wasn’t kidding—it was expensive. But, it was so worth it. We had a ball, enjoyed the exotic islands and culture, and created memories we cherish today because we played the game. We made it an adventure.

You can too.
Now’s the time to get your plan in place. Don’t wait. Do it now!

Remember, it’s your money, your rules, your way!

Money Savvy Woman, Inc. © 2015

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Can You See the Forest for the Trees? Unlock Your Fortune!

091715_1441_CanYouSeeth1.jpg“I can’t see the forest for the trees!” she yelped at me, “but sometimes I just don’t care, because the forest isn’t that bad.”

“That bad?” Really?

Can you relate? Are you creating a financial forest that you can’t find your way through? Are you tolerating fear and confusion? If so, here are three simple steps to help you see your path more clearly.

  1. Figure out where you’re at right now. Track your spending so you know where you’re spending your money. Do it for a full month. (Dollarbird.co is a great resource for this.)
  2. Divide your expenditures into three categories: Needs, Wants, and Wishes, once you know what you’re spending your money on.. This makes it easy to prioritize in the future.
  3. Create a budget using a simple spreadsheet or using an app like YNAB or Mint.com. I like YNAB because of their philosophies on money management and how easy it is to get out of the month-to-month, paycheck-to-paycheck cycle when you commit yourself. Mint.com is wonderful in that you can see your full, financial picture if you enter all the data. Both go from desktop to mobile.

One of the things I love about YNAB, is that they get you thinking about how you WANT to make your financial goals happen, getting you to discipline yourself for all the right reasons. “Have to” is seldom fun. So change it to, “get to.” Try it out …repeat after me:

“I have to save for a rainy day.” How did that feel? I don’t want to put words in your mouth, but I can bet you don’t feel like running out and saving for anything, haha.

Now say, “I get to save for a rainy day.” How did that feel? A bit better, huh?

PonderWhen we have to do something, for me, the “have to” takes the joy out of it. But when I change one word, the “get to,” again for me, feels empowering, more hopeful, and more of a challenge I want to take on.

Use the “I get to save for…” phrase when taking aim at your goals. A positive, motivated mindset will help keep you on the path towards financial success while still enjoying the journey.

Seeing the forest and the trees is what I want for you. Imagine if you could see your clearly defined path amidst the beauty of the forest? Now you know where you’re going. The safety of the path enables you to enjoy the forest. The fear of making a misstep fades as you remain on the path. And the speed at which you travel is simply a decision you get to make; you can take your time or you can hustle.

Money is much the same way. Once you’ve taken the time to carve your path toward financial independence, fear, anxiety, and confusion fade away, and confidence, commitment, and success soon take their place.

HarMoney™ doesn’t have to be hard. I can help you make it simple.

Remember, it’s your money, your rules, your way!