Peace Runs Deep

 Mrs. Sandy Change, Active Crusader

Mrs. Sandy Change, Active Crusader

Legacy. What do you plan to leave to your children/family when you leave this earth? Of course, we may leave behind traditions, stories and definitely genes, if you have children, but what do you plan to leave behind in terms of assets (things you own), money and investments?

I have learned that peace is something that comes from within and it is something I want to achieve even when the outside world is loud and obnoxious. But, what about the deep peace you can have from knowing when you leave earth your family will be taken care of? What about peace that runs so deep future generations benefit and achieve more than you can ever imagine?

I am in the process of achieving such peace by investing in a 401(k), contributing to other long-term investments and having adequate life insurance. We need to prepare for the future, as mentioned in last month's blog, but we should also prepare for our legacy.

Once I had my spending plan under control, the appropriate amount in an emergency savings, and a suitable retirement plan, I was ready to build a legacy my daughter would be proud of. What type of legacy do you plan to leave behind?

Stay tuned for Episode 12 to be posted on December 4, 2018.


Want to learn how to obtain peace and legacy? Click the button below to schedule an appointment with a Crusaders for Change (C4C), LLC certified counselor/coach.

Dark and Lovely

 Mrs. Sandy Change, Active Crusader

Mrs. Sandy Change, Active Crusader

Are you living in the dark by not planning for tomorrow but living a lovely life in the moment?

I am all for living in the present and enjoying each moment. I also advocate for not worrying about tomorrow for it isn’t promised. But what happens if you DO live longer than today and you haven’t set money aside for the unexpected?

I have lived this “Dark and Lovely” lifestyle. My present moments were so lovely, so fun, so chill. I spent money to satisfy that moment’s interest and wants. I used my student loan refunds on clothes for the club or to get my hair done. I was totally in the dark when it came to my future finances. Saving for emergencies, retirement or just future goals were foreign to me.

Thank God I was eventually shown the light and faced reality head on. Since it was likely, and a BLESSING, that I would live longer than that current moment, it made perfect sense to save for my future. It made sense to save for that new car, for that security deposit for the new apartment, or for that much needed summer vacation.

I now live a Light and Lovely lifestyle; living in the present, enjoying each moment and preparing for the future.

Stay tuned for Episode 11, "Peace Runs Deep" to be posted on November 4, 2018.


Want to learn how to live a “Light and Lovely” life? Click the button below to schedule an appointment with a Crusaders for Change (C4C), LLC certified counselor/coach.

Run Debt, Run

 Mrs. Sandy Change, Active Crusader

Mrs. Sandy Change, Active Crusader

I really wish all of my debt would run away and disappear forever. We, Americans, are really plagued by debt and all of its atrocities. According to many surveys and news outlets, Americans are trillions of dollars in debt, especially when it comes to student loans and I am one of those Americans.

I am guilty of using my student loan refunds to maintain an unrealistic lifestyle. I am definitely guilty of using my credit cards to purchase items I really can't afford. And yes, I am guilty of getting high-interest loans and cash advances to help family members.

Thank God there is HOPE and HELP for ALL of us. I have a friend that was able to pay off her $65,000 of student loan debt in less than 5 years and not have any running balances on her credit card. It took a lot of sacrifice, discipline and self-control but if she could do it so can I and so can you. See below for more on getting HELP.

Stay tuned for more in Episode 10, "Dark & Lovely" to be posted on October 4, 2018.


Want to learn how to pay off debt and improve your credit? Click the button below to schedule an appointment with a Crusaders for Change (C4C), LLC certified, counselor/coach.

WTF - WWJD (Where's the Faith - What Would Jesus Do)

 Mrs. Sandy Change, Active Crusader

Mrs. Sandy Change, Active Crusader

"For I know the plans I have for you", declares the Lord, "plans to prosper you and not to harm you, plans to give you hope and a future." Jeremiah 29:11

The day I started putting my TRUST in GOD/JESUS and not in man was the start of a beautiful and PEACEFUL life. Troubles were still present, but God allowed me to lay my burdens down with him and focus on living my best life. There have been so many times when I needed money and God ALWAYS made a way out of no way.

WTF - Through these moments I learned to remain FAITHFUL to God when using my money.

WWJD - God IS faithful in caring for me and my family through all of life's money highs and money lows.

"But seek first his kingdom and his righteousness, and all these things will be given to you as well. Therefore, do not worry about tomorrow, for tomorrow will worry about itself. Each day has enough trouble of its own." - Matthew 6:33-34

We must remain faithful over everything, including our money and God will put us in charge over many things. Reference - Matthew 25:23

Stay tuned for more in Episode 9, "Run Debt, Run" to be posted on September 4, 2018.


If you need help with managing your money, click the button below to schedule an appointment with a Crusaders for Change (C4C), LLC certified counselor/coach.