Great affordable gift ideas for Mom! #kemcents

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We are just days away from Mother’s Day!  And if you are looking to get a great gift for mom, here are a few great gift ideas that can help you this Mother’s Day!

#1  – For the Mom who loves style!

KemfrockcandynjI absolutely love Frock Candy! It is a winner for great dresses, handbags, accessories, hats and so much more.  It is my  “go to” store when I am looking for a great clothing item or to accessorize any outfit!

#2 – For the Chocolate Lovers

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Who doesn’t like chocolates? Right now you can purchase a great dozen of chocolate covered strawberries for as little as $36 from Blue Frog Chocolates!  This is a great idea for the chocolate lovers and Blue Frog does deliver to local residents.

#3 – For the Keepsaker

photobooknjI absolutely love keepsake items!  One great way to share precious moments is to create a photobook. This is a great way to highlight memories from the past and share with Mom. Lakeside PhotoWorks has different types of photo books starting as low as $20!

 

#4 – For the Hard Working Mom

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Looking to pamper mom? Check out Woodhouse Day Spa New Orleans, located in the heart of the city.  They offer great sp

a prices to get your loved ones ready for special events or just pampering.

#5 – For the Casual Diva

PERFECTLY_IMPERFECT_grandeWho doesn’t love a staple t-shirt? I love Jahzi Girl Brand.  Jahzi Brand™ provides inspirational products where fashion and inspiration is paired to inspire.  These shirts are available for $25 online.

fleur de lis rings#6 – For the Jewelry Lover

Fleurty Girl has the absolute best NOLA accessories!  If you are looking to find great NOLA items for Mom at a great price check out “one of a kind” pieces for great prices.

# 7 – Those who need a Financial Healing

product_thumbnailAnd of course, if you know someone who needs a financial healing, you have to pick up my 2015 Financial Planner!  A great tool to help you stay the course for 2015!

Hope you enjoy your Mother’s day!

Kemberley.com!

Did you make it rain in 2014 but couldn’t afford to make it drizzle? 3 Financial Tips for the New Year!

6679444993Hey, listen! Making it rain doesn’t necessarily have to be in the club! It could be at Macy’s One Day Sale, impressing your friends, or simply spending money that should have been set aside for bills.

One of my favorite passages in the Bible reminds us to consider our ways! Haggai 1:6-7 reminds us that although we make a lot, we are unable to keep any of it.

So, if in 2014 you found yourself “making it rain” in all the wrong places, here are a few tips to get a handle on your finances for 2015. [Read more…]

Are you wearing the BADGE for your finances?

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My personal finance blog, Kemberley.com, is based on five principles I believe are necessary to obtain a financial healing. These five principles have not only been a blessing to others, but have also been a blessing to myself to get my own personal finances in order. I refer to these principles as the B-A-D-G-E!

A badge is defined as a means of identification. As you travel your financial journey and have to make difficult financial decisions, you have to be certain you are wearing the BADGE of God!

So, let us look at what the B-A-D-G-E stands for!

B – Budget 

In order to get the most out of your finances, you have to create and stick to a budget. And not just every now and then, you must budget consistently. Budgeting provides an understanding the purpose of every dollar that comes into your possession!  Not only does budgeting give you an understanding of how to use your money, but it also provides a blueprint of what you can or cannot afford.

For which of you, intending to build a tower, does not sit down first and count the cost, whether he has enough to finish it—lest, after he has laid the foundation, and is not able to finish, all who see it begin to mock him, saying, ‘This man began to build and was not able to finish’?

(Luke 14:28-30 NKJ)

This scripture tells us the importance of budgeting. Without a plan, we may only lead to a life of financial lack.

A- Assets

Everyone has the ability to earn money, but increasing your wealth is true financial freedom. Wealth, which is defined as your assets minus your liabilities, thus the more assets the better! Building wealth is the gateway to opportunities. Wealth allows for creating entrepreneurship, funding your children’s education, purchasing a home and leaving an inheritance for your children’s children!

A good man leaves an inheritance to his children’s children.
 But the wealth of the sinner is stored up for the righteous.

(Proverbs 13:22 NKV)

 

D – Debt

Debt is the enemy of financial freedom.  Having too much debt or using debt unwisely can cost more than you bargained for.  There is some debt you should simply stay away from. Using debt can either enhance your financial life or destroy it.  Be mindful of every loan, credit card, or mortgage you obtain. Determine whether the debt will move you closer to your financial healing or further away.

 

The Lord will open to you His good treasure, the heavens, to give the rain to your land in its season, and to bless all the work of your hand. You shall lend to many nations, but you shall not borrow. (Deuteronomy 28:12 NKJV)

G – Goals

If you don’t know where you are going you won’t know how to get there. Many people do not use a holistic approach when it comes to finances as a result they have investments or assets that do not align with their goals. Each and every dollar has a purpose! Know both your short term and long-term goals and identify how you will get there.  Simply put, create a plan for your money!

The plans of the diligent lead surely to plenty,
 But those of everyone who is hasty, surely to poverty. (Proverbs 21:5)

E – Earnings

You can’t expect a blessing from God without living by His principles. His key financial principle is tithing. The great thing about tithing is He promises He will open the windows of heavens and your fruit will be fruitful. But first, you have to trust Him.

Bring all the tithes into the storehouse,
 that there may be food in My house,
 And try Me now in this, ”
Says the Lord of hosts,
 “If I will not open for you the windows of heaven
. And pour out for you such blessing
 that there will not be room enough to receive it.”

(Malachi 3:10)

So what Badge are you wearing? Will you wear God’s badge and be identified as a person of God? Or will the world not recognize your financial stewardship because of the financial mistakes you are making.

Remember: your choice, your future!

Kemberley Washington is a CPA and professor. Visit her blog at Kemberley.com. Follow her on FaceBook or connect with her Twitter. Like, Love, Tweet or Share this post!

 

iCloud hacking scandal is a lesson for us all!

photo(1)More than 100 female celebrities’ risqué photos have been stolen from Apple’s iCloud service.  The service allows users to store pictures, documents and other information to the cloud.

Celebrities such as Hunger Games’ actress Jennifer Lawrence, model Kate Upton, singer Rihanna and socialite Kim Kardashian were among those whose photos were hacked and posted to a website.

The FBI has begun to address the matter and have started questioning those that may be involved, according to Associated Press.

While it is unclear how the photos were obtained, it is definitely a reminder and lesson for us all.  Each and everyday, we take for granted the vulnerabilities of the Internet.  We have become so accustomed to uploading, downloading, sharing, posting, and going about our daily business that we forget about the vulnerabilities that exist.

Even worse, we forget as we post, backup, share or sometimes delete, that we may leave a permanent “digital footprint.”

So, what can we do to protect ourselves?

If you are anything like my mother, you may choose to forego the use of cloud storage, banking online and social sharing altogether.  But hey, this isn’t practical for many of us.  So for the rest of us, here are a few tips to protect ourselves in the digital world.

1.    Build stronger passwords

Recent studies have found many security breaches are due to weak passwords.  You know the ones…”123456” or “abcdef.”

Yes, seriously, people still use these!

So, if your passwords are simple, your child’s name, your date of birth, it is time to get to work.  Consider using passwords that are not found in the dictionary and are a combination of letters, characters and numbers.

More importantly, do not use the same password for different accounts.  This way, if one account were breached, it would be difficult for other accounts to be breached due to various passwords.

2.    Think twice

Hey, we may have all been careless about sharing, saving or posting documents online with sensitive information.  But we simply must think twice!

We have to ask ourselves:

  • If this account were hacked, would I want this information leaked?
  • Could it cause identity theft?
  • Do I want to share this personal information with the world?

3.    Forego cloud sharing services

If possible, consider foregoing cloud sharing services altogether.  This may sounds ‘old school,’ but consider using external devices for documents, photos and other sensitive items that you do not want to share.

In addition, consider disabling your cloud sharing services, such as iCloud for now.  Here is a link with step-by-step instructions to do so.

Hope this helps.  This recent scandal is a reminder to us all that we have to be careful with storing and sharing online.

And thanks to all who have emailed about the article I wrote last week!  If you are interested in taking a #Kemcents personal finance course drop me a line at kemwashcpa@gmail.com!

Remember: your choice your future!

Kemberley Washington is a professor at Dillard University and a certified public accountant.  Check out her ebook, Let your budget inspire you!

We made it! My book is the 2nd most completed plan for June on YouVersion! $100 Giveaway Finalists!

 

All I can say today is – WALK IN YOUR PURPOSE!  Not just any purpose, your God given purpose.  When you surrender and submit to God, your life will continuously shine before others and there is no one or anything that will be able to stop you!

Commit to Him

I write to you today as I just received a note from the YouVersion Bible App (an app that reaches millions) that my book, The Ten Commandments to a Financial Healing was the 2nd most downloaded devotional plan on YouVersion for the month of June!  This is just a testimony that when we step into God’s plan for our lives that our lives will never be the same.

This road ain’t easy!

I have to tell you this road has not been easy.  I recall moving at my own speed and moving where I wanted to go, and while I have been successful, real success came when I created His purpose for my life (<<<a must read!). While I didn’t quite understand why God instructed me to travel various paths, I know God knows best.  Each and everyday I am becoming less of the woman I knew and more of the woman He has designed.

Take the challenge

While today I am not talking much about finance, I do challenge you.  Not only to get your money right with God, but most importantly your life.  God won’t accept you walking on the fence.  If you want to walk in His true purpose and calling, you have to give Him your all.  Tweet: There may be many choices, options and roads for you to travel, but only God has one purpose and plan for your life.  It is in that purpose that your light will shine before men.

Thanks again for all who have entered into the $100 giveaway.  I have received some very touching stories and have finalized it to three finalists.  To find out who they are, visit our Facebook page and vote for your favorite person to win.  Names have been concealed to protect the innocent!

Take care and be blessed!

Kemberley Washington is a professor at Dillard University and CPA.  Follow her on Twitter @kemwashcpa.