How to make your budget simple!

image1(2)It is important to create a roadmap for your finances – a budget. Remember, your budget does not have to be complicated, just simple and easy to use. Consider using three steps — A, B and C — to get back on track.

A — Automated savings

If you have struggled in the past with savings, set up an automatic draft to have the money withdrawn directly from your checking account and deposited into a savings account.

B — Bill management

Determine the total amount of your monthly bills. Then, set up a checking account dedicated strictly to paying your bills.

C– Cash for other purposes

By this point, you have determined the amount you need to tithe, save and spend. Whatever remains is yours to spend as you wish!

Remember: your choice, your future!

Kemberley Washington is a certified public accountant and professor at Dillard University.  Check out her book, The Ten Commandments to a Financial Healing!

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!

Why you can’t stick to your budget!

image1(2)We have all been there before.  You know, the moment you write your income and expenses on paper with good intentions.  You say to yourself, “This month will be different. This time I will reach my financial goals.” But then it happens…

Macy’s has its one-day sale!

Of course Macy’s has it every day, but to you, this day is different! [Read more…]