That One Time I Crafted a New Envelope System

by Molly Jo Realy @MollyJoRealy

Ohhhmagosh. This thing happened. I got this email, and I swear to you, the sweet tea poured and the heavens sang. Wanna know what it was? The Happy Planner is looking for new Squad Members. #trustory!

And I’m over here like Donkey in Shrek, screaming “Pick me! Pick me!” And as I’m trying to wrap my head around the application, I decide music is the way to soothe the soul (or at least drown out the pleading taps coming from my own fingertips as I type out why I’m a good selection for the Squad) … read the rest. . .

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Five Things Friday: Managing Credit

by Molly Jo Realy @RealMojo68

Money’s a touchy subject, right? As in,


You work hard for it, only to have five cents left three seconds after you get paid.

Now, I know I’ve given y’all a few tips for saving a little here and there, but it’s been a while since I’ve taken you down my road to credit recovery. What is it about soul-baring posts that brings us closer together? Is is the security of knowing we’re not alone? That others are in the same boat? Yes. At least, for me.

It happened when I … read the rest. . .

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Five Things Friday: Pocket Changes

by Molly Jo Realy @RealMojo68

You know, we’re halfway through the year and I still haven’t reached all my goals. That private jet? In someone else’s name. Book deal? Workin’ on it. Owning a writers’ cafe? Yah. That’s on the back burner for a while longer. [See what I did there? Cafe? Burner? Sigh . . . ]

So, I’m sitting here thinking, egads! [True story. I actually said “Egads!” out loud. To no one except the fur family. Some days I’m glad they can’t talk English.] But back to it. I’m sitting here thinking, egads! I’ve been so busy … read the rest. . .

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Crowdfunding Your Way to Success

After my peeps joined my campaign to bring Raven to Bedford Manor [Translation: When my family and friends supported my fundraiser to buy a new laptop], I was approached by several friends and associates who asked for advice on crowdfunding.

Now, before I get into all that, I need to let y’all in on a not-so-secret. I’ve been pursuing knowledge this year like never before. I’ve attended conferences, used Google like a best friend, and sought information from anyone willing to share it.

And I’ve learned that I’ve already learned a lot. It’s time to use my knowledge. It’s time … read the rest. . .

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Overcoming Bad Credit: Communication is Key.

At the beginning of the month, I posted about my experience with bad credit. I expected mixed results but the response was overwhelmingly favorable, and many of you thanked me for my transparency.

Truth be told, I didn’t share everything. Let’s face it: finances are a really private matter. I mean, it’s not like any of us are going to put our bank books on public display, right?

And why would you? Your life dynamics are just as personal as your wallet. Are you hearing me?

Every situation is different.

So why do the credit companies treat us all … read the rest. . .

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