Like most girls growing up, I had an ever-changing list of what I wanted to be when I grew up. The list was chock full of the usual suspects: ballerina, actress, singer...I think magician was even a consideration around the third grade. But as nature would have it, I’d soon learn that I didn’t have much talent for singing, or dancing, or pulling a rabbit out of hat, and those occupations eventually fell from the list. There were two professions, however, that never wavered and made the top of my list each year: mom and teacher.
After graduating from college with a dual major in Elementary Education and Special Education, I began working as a teacher. I soon met my future husband and on our first date we discovered that we shared a mutual desire to become parents. We married three years later and immediately began trying to grow our family. All seemed to be going just as I had planned as a child.
In the beginning, I was surprised each month when I failed to yield a positive pregnancy test. But as the months passed, my once initial surprise grew into absolute devastation. Over the next 3 years we endured 7 failed IVF’s (3 resulting in miscarriage.) I became angry, depressed, and hopeless. I frequently found myself on the receiving end of pitying expressions from friends and family as they gently broke the news that they were expecting. I found myself reacting with overzealous enthusiasm so as not to reveal my secret pain. I would then dart to the nearest bathroom to sob. Meanwhile, my husband and I were also anxiously waiting to be matched with a child through adoption. We began experiencing conflicting information and delays from our agency. My hope of ever having a home full of children began to fade and my passion or enjoyment for just about everything faded right along with it.
After a heart-to-heart with my father and a refocusing on the unconditional love and support of my husband, I realized the pity party I had been throwing for myself wasn’t changing anything about my circumstances. In fact, it had wiped out everything else good in my life.
A Bright Signs Learning Customer
There was more to me than infertility and it was time to start living again in spite of it. I took the attention off of what I could not control, and began focusing on what I could. With that, I started investing in myself, one day at a time. I began by simply exercising again. Then, I turned my attention to my tutoring business. I took on new students and I continued to improve my sign language interpreting. I found so much joy as I developed in my professional career, and took pride in developing the skills, games and techniques necessary to teach students to read and love learning.
In August of 2010 we got the call we had been waiting for: we had been matched with a beautiful baby girl. That Fall, my husband and I flew to Ethiopia and our world changed forever. I was finally a mom. I could physically feel the fullness in my heart when I held my baby girl. I knew without any hesitation that if I was called to become a mom through adoption again, it would be my greatest honor and my blessing. As irony would have it, I would discover merely nine days later that I was pregnant (naturally) with our son, Jack.
Having waited so long to become a mom, each day with my kids was like living a dream. Using the skills I honed during that time of professional investment, I began making educational home videos that I would play for my children when I was cooking dinner or taking a rare shower. These videos included sign language, phonics, art and calming music, and my children loved them. We would also play basic educational games together. Both of my children began reading by the age of 2, which attracted the attention of friends and strangers alike. After several inquiries wondering how to buy my videos, my husband and I decided bring these videos and flashcard sets to a larger audience by creating our company Bright Signs Learning LLC. I’m proud to say that Bright Signs Learning now is a thriving and award-winning business that has brought the joy of learning to kids across the world.
Looking back at my infertility, I wouldn’t change any of it. It forever altered the way I live my life. I learned to control that which I can control and to let go of the things I can’t. I am now the mother to four beautiful children who each came to me exactly when and how they were meant to come.
Reinvesting in myself during my darkest hours resulted in the birth of my company. I am proud that my children get to see me in the role of mom AND entrepreneur. It is never lost on me that each and every day I am living out my childhood dreams of being a mom and a teacher.
Photo Courtesy of ravanelliphotography
It isn't always easy to stay on top of your finances, especially when you have developed unhealthy spending habits over the years. However, as you begin to realize the many benefits of having healthy finances, it can become something you want to make a conscious effort to improve. When your finances are in a good place, you often have access to better opportunities whether it be a mortgage loan, greater credit line or business loan. On that note, here is how you can become an expert at managing your finances in case you need a few tips.
Learn to Use Technology
The good thing about managing finances in the technological age is that you don't have to do it alone. There are so many apps available that will help you pay bills on time and track your expenses. For instance, some apps force you to live within your actual income and tell you what to do when you need to balance your budget.
If you need an app that will help you get better at saving, then some will set aside your spare change for you. Also, don't be afraid to use more simple tools such as your smartphone calendar to set reminders about payments if you don't automate them.
Seek Legal Advice
Sometimes, being an expert at something means understanding that you can't possibly know it all. This is why you have professionals around you that can help fill in the gaps where you're lacking. Consider hiring a legal firm to help with any challenges that are beyond you. Lexington Law is a good firm as they could help remove negative items from your credit report. Read this Lexington Law Review (Our #1 Credit Repair Service of 2019) to find out more about how they could help improve your finances.
You can't do better than what you know when it comes to managing finances. You should, therefore, invest your time in learning more about finances and how to manage them. Think about what your goals for your finances are and what knowledge gaps you need to fill.
For example, if you want to invest in the stock market so that you can improve your net worth, then you may need to learn more about investing to do so successfully. To boost your knowledge, try reading articles on credible blogs that share finance information from professionals. Also, be weary of content from finance-driven companies as it could be biased.
Work on Growing Your Income
As a self-proclaimed finance guru, you know that the more sources of income that you have, the better. Work on increasing your streams of income so that you have more money to meet your targets whether it's to save for a property or put larger sums towards retirement. One way to do so would be by getting extra income by doing social media marketing for businesses or creating tutorials on YouTube. If you own a property, renting out rooms is a great way to make passive income.
Live Within Your Means
It can be difficult to live within your means when you live in a society that is always presenting you with things to buy. However, being more conscious about the things that you purchase could help you realize that most are wants rather than needs. To live within your means, always take time to think about a purchase as opposed to impulse spending. You should always get good at bargain hunting as many times you can find items of similar quality at a cheaper price.
Learn How to Manage Debt
Debt doesn't have to be a bad thing if you understand how it works and how to manage it. It can be a tool for credit building when you understand the fundamentals. For instance, if you take out a loan or credit card, always be mindful of your interest rates.
By paying the amount of money you borrowed back in full before the due date, you won't have to pay interest on what you borrowed. If you can't pay back in full, paying more than the minimum payment will ensure you incur less interest. For the most part, the secret to good debt management is never spending more than you can afford to pay back.
Managing finances is a life skill that can help improve your quality of life. By following the mentioned tips and taking your finances more seriously, you're more likely to master the art of healthy finances.