Sharing ideas to help poor and middle class people to move 'from broke to better' lives.
Local Social Services to help you
Local Social Services to help you
Each of us was uniquely born designed by GOD
with talents, confidence, gifts, skills, and abilities. The way you are 'wired' is not an accident. 
What can I do?
Who do I have a desire to help the most?
What is the problem that need to be fixed? What is the perfect solution to fix it? What are you willing to sacrifice for? What would you love to do to help fix it? 
Why am I here?
When you are living on purpose and feel good,
you don't have to be concerned about anything else because your thoughts, words, and actions will be good and expressing your purpose 
Does 'fear, hurt, doubt' stop you from pursuing purpose!
Where am I going?
How does your purpose change other people lives!
Living your purpose leaves your legacy
Broke-to-Better Blogs, Nomopofolks Association, Dallas, Texas
 No one is born into a perfect life, you came here on earth to make your dreams come true, and no matter where you are now, what bad circumstances and obstacles you must overcome, you are fully equipped with everything you need to do it!
     You were born with belief in yourself to be successful, and so if you don't believe in yourself today it just means that in your life you have accepted other people negative opinions as 'truth'.....and have maintained that lack of belief by repeating to yourself those lies.......stop it. THINK OPPOSITE and say to yourself, daily 'I can do it and people and resources will show up to help me succeed.'         One step at a time is all you can ever take....... The path out of poverty to become better will never unfold in the way you think anyway, so just keep bringing yourself back to 'what is the next wise thing to do' in prayer to receive instructions to pull yourself up and out.        
Knowledge is one of the ways to break the shackles of a limiting environment (depression, illiteracy, poverty). No matter how grim your world is if you can hear or read about the accomplishments of others, you can create the beliefs that allow you to succeed.
Tony Robbins, motivational speaker Things to Consider: Pray to GOD for a creative idea to sell or passion to do (work) in your community that fulfills a need Career Planning Make Friends with good people, leave negative people alone Signs of Negative People Take career assessment test to find passion area Job Assessment Resources Take a spiritual gifts assessment, if you attend church Spiritual Gifts Resources Pray for a mentor to develop your talent Mentoring Resources If you dropped out of school, Go back to School for specialized training Career/Vocational Training Associate and with co-workers, friends and industry associations to learn more about area of interest. Also to find personal cheerleaders on the same path to success. Career Associations Read articles about or listen to CD/DVD's of role models working in the area of your passion Success Stories Volunteer/ work part-time at community agencies or business in areas that interest you that will build your passionate skill How to find your dream job Always know, you can live a better life , with a little work and GOD, better days are ahead of you Picture it and develop the skills Once you get on track, help someone else to discover the word 'BETTER' Benefits and Resources that can help you Broke-to-Better blogs, nomopofolks association, dallas, texas 
All successful people have answered these questions to give them the best opportunity for success. Remember, purpose keeps you focused! 1- What is it you want to be or what is your dream job? A. Pray and ask GOD to show you who you are? It will place you on the right career path Find your passion 2- Who is your role model that you are trying to emulate? A. Read a biography on them or magazine articles B. Name 5 people doing what you want to do (success leaves clues) 3- Who do you need to know? (that can help you) A. person name, biography information, contact information and how they can help you 4- What associations do you need to join and participate within? Associations A. Find your 'dream job' group that meets monthly to find supportive people who share practical ways to progress and solve problems that you are encountering along the way to achieve your dream. B. Find your overcomers 'bad habit' group that meets weekly to find supportive people who share practical ways to progress and solve problems that you are encountering along the way to achieve your dream. 5- What information do you need to know to achieve that dream? A. books to read B. magazines to read C. Blogs to read D. dvd's to watch E. Books on tape to listen to F. What school to go to to get the training you need 6- What is the daily routine you must follow to attain your goal? A. Need to find out what's required to do, and then enjoy doing it. B. Maybe reading 10 - 12 pages of a book or article about your goal, daily. 7- What job progression do you need to reach your goals? A. jobs you need to work or places to work at to build your skills to attain your goal Job Resources 8- What city, state do you need to live in to reach your goal? 9- How do you need to dress, act and walk to reach your goal? A. Dress for success like an extension of the 'dream job' or public face of the company you want to work for. 10- What are the most common obstacles in pursuing your goals? A. Think and plan how to overcome those issues. B. Name 5 reason why you want your goal or how you would benefit from having it 11- Are your family, friends and associates supportive to your dreams? A. Build a 'hometeam' of supportive people to help you and be kind and courteous to others B. Find a accountability partner that is supportive towards your dreams C. Market yourself on social media, find the 10 best keywords that describe who you are and what you do well for the position you want , then post on social media networking sites, so others with like-minded dreams and opportunities, can find you. 12- Does your personality fit your goals? Find out what makes you, you Now say to yourself, 'I love getting paid to be me'. When you do what you love, money opportunities and resources comes to you. Remember, doubt kills more dreams than failure ever will. When you were born you were destined for success. Along the way, we all need a map to fight through the fog. Broke-to-Better Blogs, Nomopofolks Association, Dallas, Texas            Look the part, Smell the part, Walk the part, and then learn to Talk the part........ Broke-to-Better Blogs, Nomopofolks Association, Dallas, Texas
  Interview Checklist             Broke-to-Better Blogs, Nomopofolks Association, Dallas, Texas
If you focus positively on a goal as doable and not rationalize, compromise, doubt or worry,
you will achieve it.... Life really does provide you with 'equal opportunity' ...when you really put your mind to it, people, information and money, shows up to help you towards your goals Even if you face tough obstacles with no support, the right resources, connections shows up to help you to achieve your goal, if you 'just believe' This is how people overcome addictions, illnesses, athletes become champions, business people become millionaires and the 'ugly' duckling marries the pretty prince. When life trials come and get you down and there is dreariness all around, focus on your vision of being happy doing what you really want to do...... the questions 'woulda and shoulda', 'how come' and 'why did this happen to me', only keeps you stuck where you are, which is where you do not really want to be. People who make career comebacks or overcome life tragedies, understand this principle very well, because when you lose everything, the only thing you have left is your 'imagination and belief' in better days ahead, (gotta lookup to get up)...even when you can't see it or feel it, just say 'what you really want to do' out loud to yourself....it will still get you to ponder the question ....what would it take for me, to get to where I really want to be. Write your goals down and why you want to achieve them......it will help to cement your believe in what you are trying to accomplish. When your why is strong enough the how shows up in your life. A belief is only a thought you keep thinking over and over again, just name it and feel good imagining it .......you can achieve whatever you focus on, and I do mean whatever you focus on Just Believe! What you focus on, comes to you......
Broke-to-Better Blogs, Nomopofolks Association, Dallas, Texas
Single Adult -- get a job and mentor, create a vision board of goals/dreams, new car, start life and disability insurance, start IRA or business, establish credit rating, complete education in area of interests, start emergency savings fund, hobby, social activities ....and create a sample budget Get a Job, Create a Budget and Start Savings Investment idea (20s): invest in growth stocks or S&P500/DJIA index funds 90%, 10% cash Home monthly payment -- 30% take-home pay Car monthly payment -- 15% take-home pay Young Married – create a vision board of goals/dreams, get a marriage/career mentor, small house, condo, adequate flood, life and health insurance, start IRA, bigger car, emergency savings fund ....and create a sample budget Start Savings and Purchase Disability and Life Insurance Investment idea (30s): cash 10%, small business or rental property 20%, 70% growth stocks or index funds Parenthood – education fund for kids, larger home, vision board of family dreams/goals, emergency fund, day care, vacations, IRA or small business ownership Plan for Kids College and Your Retirement Investment idea (40s): cash 10%, small business or rental property 30%, 60% growth stocks or index funds Parent Older Kids – make plans for retirement, disburse education funds, may take care of parents, kids activities, a major illness (disability) ....and create a sample budget Financially Squeezed - Juggling parents aging, kids, bad health and career Investment idea (50s): cash 10%, small business or rental property 40%, 50% growth stocks or index funds Empty Nest - smaller house(paid off), kids gone, pursue dreams, roll IRA into Fixed Annuity Pay for kids college, stuck in dead end jobs Investment idea (60s +): cash 15%, small business or property 50%, 35% growth stocks or index funds Retirement - Fixed Annuity (Secure Income & no debt), travel, volunteer in organizations that you would like to leave a legacy of service and funding.....and create a sample budget Retirement Benefits Investment idea:(70s+): cash 15%, fixed income from selling small business or rental property 70%, 15% growth stocks or index funds Emergencies -- Unexpected financial or medical tragedy or disaster Local Social Services Tip: 3 to 6 months of savings in cash, helps to pay for unexpected expenses (repairs, etc) Why? To avoid the high interest rate pay day and title loans when in a 'crisis'. A. Save $5 - 20 a week for 5 years to build a 3 to 6 months reserve...in a savings account, you 'spend and replace' funds in this account as needed for 'unexpected expenses' 1. Purchasing home warranties for major appliances may reduce cost of repairs 2. Purchasing warranties on major car parts may reduce cost of repairs Disability Benefits - Life happens to everyone, short term or long term illness that prevent you from working for a period of time. How to apply for Disability Burial - Life Insurance cover expenses left behind, try to leave more than just your last name behind Things to do when loved one dies Final financial wisdom: Create a will to distribute your possessions to the causes and people you would love to help Inheriting money after a loved one dies. Widows Benefit
Tip: Use coupons to 'stretch your money farther' in the month. coupons Always look for deep discounts to get what you want......there's always a 'sale' somewhere for what you want. Make it a goal to be free of debt by the time you expect to retire. Choose a home loan, vehicle loans that you payoff during your working years. If you are worried about bills, you can’t enjoy retirement, by doing what you and only you want to ....whatever that is! Eliminating Household Debts Starting a Business.....Wonder and Ponder the question, What is the perfect idea, the community needs that solves a problem most people would pay for? Small Business Resources Putting money in 401K at work.....Warren Buffet states, 'Put the money in a low-cost S&P 500 index fund and forget moving it around' ...the return is greater and the fees are less over time (you make more money) Put $10 - $35 weekly into a 401K, invested into S&P index fund (10% interest), from age 20 - 65, may allow you to have $1 million dollars in retirement. If you change jobs, a rollover IRA will allow you to do the samething. Of course, if your company matches your money, take advantage of that increase in deposits, as well. Broke-to-Better blogs, Nomopofolks Association, Dallas, Texas 
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AuthorAlways know, when you encounter problems, there is a 'wise' solution Archives
January 2019
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