2020 – A New Direction

Hello everyone, I hope you all had a wonderful Christmas and are looking forward to starting the new year and decade off with big dreams and goals!

Speaking of big dreams and goals, Blankets of Blessings will be headed in a new direction for 2020 and beyond. In preparation for this, custom orders for blankets will no longer be accepted. I am also excited to share that AncaLogy and Blankets of Blessings will also be leaving the Etsy platform and migrating any remaining products to this site! Blankets that are made in the future will be donated to efforts that are focused on improving and enriching the lives of the people in their surrounding communities. More information on this is soon to come. If you’ve already placed a custom order before this announcement, your order will be fulfilled by January 10th, 2020. 

While I’m still absolutely working on incorporating Blankets of Blessings as a Nonprofit, I realized that I may have haphazardly started this project. As a result, I am taking a step back and revamping to learn more about various resources that I can utilize to have my project finally come into fruition. This will look like: partnering/volunteering with other Nonprofits that have already been operating, so that I can get a first hand look at how things should be done. It is vital to have a solid foundation when embarking on something like this, and I want to ensure that I am prepared.

On occasion, it is necessary to press pause and/or start over. There’s nothing wrong with starting over (and getting help), especially if it means you’ll be more successful the next time around. The most important thing is to not give up, even more so when you’re passionate about what you’re planning.

Be encouraged, be blessed and don’t stress!

Also, don’t forget, registration for the Confab of Respite opens tomorrow on the site. Looking forward to new connections!

Confab of Respite

Good morning everyone! I have some GREAT news!

Starting on January 23rd, Blankets of Blessings will be hosting its very first IBD Support Group called the “Confab of Respite”

Registration opens up December 28th! Space will be limited to about 10-12 people, so I highly encourage you to register ASAP, especially if you are living with an IBD condition like myself, you’re friends with someone or have someone in your family that has an IBD condition, or you’re taking care of someone with an IBD condition.

This will be a chance to not only learn more about what we experience on a daily basis, as IBD can sometimes be an invisible illness, but also a chance to learn more about how you can become a part of the “CoR” of Blankets of Blessings!

I’m looking forward to seeing new faces and seeing some familiar ones as well. God Bless and Happy Holidays!

Let’s Talk: Fiscal Responsibility

I want to start this post off with a definition today:

House Poor – Being able to pay rent, mortgage, bill payments, etc., but unable to purchase basic necessities such as groceries, fuel, clothing, etc. and/or live a happy life due to financial strife.


As we begin making preparations to head into the new, grand year of 2020 (a whole new decade!), I wanted to take some time to impart the knowledge that I acquired this year regarding Fiscal Responsibility. I’m doing this because I want those around me that I have the ability to impact, to financially start their year off right. If I can help it, I would like to prevent anyone from dealing with what I dealt with this year.

Many of you already know that I struggled a lot with my finances this year.

A lot.

However, in the midst of a struggle, you learn, you change and most importantly you (hopefully) grow.

If you’re still reading, there’s a few steps I want you to take as soon as you can. No, actually, do it now. Enough fooling around.

Step One – Control Yourself: Open up an INTEREST BEARING SAVINGS ACCOUNT at ANOTHER BANK (preferably a credit union). Do NOT by any means, order a debit card for this account. If you get one by default, hide it from yourself, cut it up, give it to someone you trust, but you better not use it unless it’s for emergencies.

Step Two – Automate EVERYTHING: This part is really important. Take 7% of your paycheck (or whatever you can afford to do), and set up AUTOMATIC TRANSFERS TO THIS SAVINGS ACCOUNT AT THE OTHER BANK. Set it up for every time that you get paid, whether it be weekly, bi-weekly or monthly.

Why? When you are moving money automatically from one bank to another, it’s in process for 3-4 days. It’s up in the ether, and you can’t touch it. Therefore you can’t spend it. Once it arrives at the other bank, it’ll take the same amount of time to transfer it back, once again inhibiting you from unnecessarily spending that money you’re supposed to be saving.

Also, the way my bank is set up, there’s a $3 transfer fee to an external account for the 3-4 day transfer. I never notice those missing $3 dollars. If I’m feeling spicy, I can immediately transfer the funds the same or next day for $25, but ain’t nobody got time for all that.

I would also suggest that if you can, set up auto pay on bills that are easily manageable. Sometimes you get a discount for doing so!

Step Three – Tame your Money: Download these Monthly Budgeting and Bill Tracking Excel Spreadsheets from my Google Drive.

Budgeting has a bad rap. Budgeting is not something that’s supposed to give you restrictions, it’s something that’s supposed to liberate you and make you aware of how you’re utilizing your income. We use budgeting sheets to see where our money is going and to tell our money where to go. It helps us identify if we’re spending money on things that we don’t need and can do without. When you’re filling out the sheet, make sure that you…LIST EVERYTHING YOU SPEND MONEY ON. Including all your lil’ subscriptions to Disney+, Hulu, Netflix, Discord, Apple Music, alladat.

If you want tips on budgeting per paycheck, check out The Honest Plan on YouTube.

Once you’ve completed your monthly budget sheet, the Bill Tracking sheet will be your best friend. You’ll use this to list everything you pay a monthly bill for, see if you’re staying on top of your bill payments, observe to see if there are any fluctuations in bill amounts and overall be absolutely sure that you’re paying things on time (especially when the collectors attempt to call you and tell you that you’re behind).

Not only do these two tools give you peace of mind, but you’ll also feel like you’re doing a lil’ sumn sumn as a money managing guru.

numbers money calculating calculation

Step Four – Side Hustlin’ (Optional): Find a side hustle you wouldn’t mind doing. If you’re good at something, you might as well get paid for it. There’s nothing wrong with a little extra income! While you’re at it…check out Blankets of Blessings 🌚

Step Five – Trading & Investing: It would be worthwhile to hop onto YouTube and watch some videos on Trading vs. Investing. It’s never too late to start, and besides, if it goes well, it’s something you can set aside and “forget about” while your money grows. I’ve recently started using the Robinhood and Stash apps. If you’re interested in Robinhood, use my link here to get a free stock! Disclaimer: You should already know this is not a quick way to increase your income (unless you get the blessing of a lifetime and have an incredibly successful day trade).

Step Six – The Snowball Effect: I’m sure many of you have heard of this. …No? Okay, my bad for the assumption. Allow me to enlighten you: The Snowball Effect is something that one of my mentors shared with me, and it involves paying off looming bills. Essentially, all you are doing is paying off the small bills first so that you can launch a full, head on attack on the larger bills and aggressively pay those down. It’s effective, it works, do it.

Step Seven – “It is Finished.”: God rested on the seventh day, so we shall rest on the seventh step. Put this cycle in motion and you’ll be taking your first steps on your path to Fiscal Responsibility.

Matthew 25:14-28 

These things I mentioned above will take time to get going, and this blog post is not the end all to education about Fiscal Responsibility. This is just what I’ve learned from my experiences and those around me. You have to ask questions, you have to be attentive to what’s going on with your wallet. It’s up to you to take control, and use money as the tool it was intended to be used as. I do care to mention that, be careful you don’t become obsessed with money. Money isn’t everything, but how we use it determines how we live our lives.

Here are a few things to take away from today:

  • Wherever you put your value, that’s where your money is going.
  • Don’t go after things that have no eternal value.
  • You cannot serve both God and money. – Matthew 6:24
  • Figure out what your definition of money is – this will help you determine if you’re using money as a tool or a toy.
  • Don’t forget to pay your tithes.

 

Happy Holidays! 🎄💖