The Snowball Effect – Creating Positive Momentum Toward Your Goals

debt snowball momentum

In his book, The Total Money Makeover, Dave Ramsey recommends a process he calls the debt snowball for paying off your bills. He suggests you list all your debts and then pay as much as you can toward the one with the lowest balance first and when it is paid off, move on to the next smallest bill.

Why the lowest balance first? Because, by starting with the smallest bills you build momentum, just like a snowball that grows and builds speed as it goes downhill. It also creates a pattern of success that motivates you to keep going. Continue reading

How to Create a Simple Heartfelt Life

stones simple heartfelt life

Over the years I have felt drawn to the idea of creating a program or new foundation for my work around either simple heartfelt living or supporting women in midlife and beyond. Maybe, a combination of both. There have been several times when I created outlines and ideas that still reside in notebooks filed away, waiting to be shared with the world.

It happened again this morning as I was writing in my journal, another outline surrounded by heartfelt words of what I really want to share. I was surprised when I realized I keep creating the same outline over and over again with slight variations.

And then it was clear, the reason this idea keeps coming forward is that it is really about the life that I want to create for myself. And, share with you. A simple life, full of meaning and based on the guidance of my heart.  Continue reading