success

The Paycheck Scenario

On this day, many are blessed to receive a check and many are not due to circumstance. A check has become the staple in the household. With a check, one can not only enjoy the varried necessities, but the estravagant wants we all crave as well. 

A check has many limitations just as it has opportunities.

It's important to understand that if that check is not available due to job layoff, firing, company closing, job transfer, personal disability, illness or any other devestating life altercation, you and your family can be left at the hands and mercy of need. This can be catastrophic on so many levels.

The reality is there are a lot of people who are one paycheck away from being homeless and hungry. 

What would you do if you allowed yourself to be put in that situation? Yes... I said allowed. When you put all your eggs in one basket without being open to other options to keep yourself out of that situation, you allowed it to happen. 

Most get comfortable in their current situation and don't think about the possibility of having to be uncomfortable if something happens.

Do you currently have a savings, retirement and emergency plan that you feel comfortable with if you were put in an uncomfortable situation? 

The truth of the matter is many Americans state they are worse off than they were in previous years. According to a consumer sentiment survey, 40% state that they are living paycheck to paycheck. 39% state they fear losing their jobs. These are some startling numbers that seem to be the same if not worse.

So now that you are aware of these facts, does that change your perception of how important a check is to you and your family? If it does or if it doesn't, the point was to enlighten you. 

Unfortunately, many wait until a situation happens before they react. Then they are often pressured with stress, frustration and possible health issues.

I personally am working on being more proactive versus reactive. This response has afforded me the opportunity to have choice. 

If you are interested in speaking further about the many options to diversify your options and income, connect with me and lets collaborate. I love sharing information and great ideas. 

Well that's all for now. I hope you found this information enlightening and worthy of thinking about.

If you are social, connect with me on Instagram, Periscope & Twitter @NichelleWomack. I would love to meet you. 

Toodles... and happy weekend! Do something worth remembering. 

Blessings,

Nichelle

 

Wisdom Wednesday Meditation

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It is when we get clarity in our purpose that we find peace in our lives.Proverbs 2:6 - 7

6 For the Lord gives wisdom; from his mouth come knowledge and understanding.

7 He holds success in store for the upright, he is a shield to those whose walk is blameless.

3 Ways to Live a Brave Life

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Most people never go after their dreams because they fear what other people think. People pleasing can keep you from living a brave life. You become a part of their ideology and begin to doubt yourself. These 3 ways will give you the confidence to step out of your comfort zone and realize that you and only you can live your life.

1. Recognize that you have the power to create the life you desire. You only get one life. If you live it for everyone else, you've missed out on your opportunity. If you can dream it, you can achieve it and you do not need to ask for permission to be your own man or woman. Oftentimes children will live a life through their parent's eyes and not go towards a profession they desire. It's ok to live that brave life and disappoint a few people. Make certain you seek success so they will be proud.

2. Don't be afraid to go left when everyone else goes right. The status quo is set up to go right because we have been customized and taught that going left will get you in trouble or you risk standing out like a sore thumb. So what!! Be different and take the chance. This is your opportunity to prove everyone wrong or at least not live in the moment of "what if".

3.  Gain authority in your voice. Your voice has power, however, it may be drowned out by the company you associate with. They may include talking you out of what you hope to be or do. Don't be afraid to speak and disagree. You must listen to sound reason and never second guess yourself. Usually your first thought is that voice of reason. Be mindful, people are often fearful of where they have never been. The voice of others can deter you.

I am Nichelle Womack, your life transition, and business strategist. I aim to make you think through your thoughts, live without excuses and create a life filled with happiness, success, and financial reward. Join me on live on Periscope, Instagram and Twitter @NichelleWomack or download the podcast on iTunes @ The People Connect Podcast. Until next time, peace and blessings unto you.

The Missing "Link" to YOUR Success

Is there a magic formula to success? Is it trial and era? Is it the pull of a lucky straw and waaalaaa... Everything you want is granted to you. Most successful people will tell you that it took and takes long hours, tears and sweat in order to reach the level of success you desire.

Whether it's spending years in school to acquire the knowledge or years in the workplace getting the hands on experience, your success is completely dependent on your desires and expectations.

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If you are seeking to learn more about business and how you can make your impact, check out http://bit.ly/smallbusinessclinic

I am Nichelle Womack. As a people building consultant, I specialize in helping you reach your greatest potential through self-reliance and internal motivation.  I assist the dreamers, the aspiring and the new business owners to transition in their life with information and inspiration to start, market and grow into the CEO. For over 20 years I’ve been a business owner and worked in corporate America in several leadership positions.  And… for the last 10 years I’ve been the CEO of me with no J.O.B!  Positive thoughts and language are my fuel for energy and my desire to help you find yours. I can help you balance your life in and out of the boardroom with more control and authority. Looking for more great life tips, check out “The Master Tip Manual for Personal Success” @http://amzn.to/1bWA7Vw . Many blessings and much success to you!! Check out my websites @ www.nichellewomack.com and www.diversecc.com. Connect with me on Twitter, Instagram & Periscope @NichelleWomack

5 Common Excuses YOU Tell Yourself..

Once your excuses are gone, you will simply have to

settle for being awesome!   

  Lorii Myers

Excuses keep you from achieving your dreams, setting goals and being who you were created to be. You can escape the cycle of excuses by acknowledging why you are making them. Check out some common excuses that most commonly make as to why they can't, haven't or will probably not achieve their expected level of success.

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I am Nichelle Womack! As a people building, life transition strategist, I specialize in helping you reach your greatest potential through self-reliance and internal motivation. I provide inspiration through community speaking engagements, one on one consultation and  group/team training. Positive thoughts and language are my fuel for energy and my desire to help you find yours. If you are interested in a free 15 minute session of coaching, contact me @ diversecc@gmail.com. Looking for more great life tips, check out “The Master Tip Manual for Personal Success” @http://amzn.to/1bWA7Vw . Many blessings and much success to you!! Check out my websites @ www.2ExcelWithNichelle.com and www.nichellewomack.com Connect with me on Twitter and Periscope @NichelleWomack and download my podcast for more great tips @ http://bit.ly/peopleconnectpodcast

5 Reasons Why People Fear Writing Their Own Paycheck

It has been said that everyone is not meant to be an entrepreneur. I beg to differ. Most people are entrepreneurs except they enjoy working and building the businesses of others instead of themselves. Therefore, they would be classified as intrapreneurs. There is nothing wrong with that if that is what you enjoy. Taking the plunge to self-reliance can be a hurdle, discouraging and down right depressing. However, the gratifying aspect of entrepreneurship outweighs all of that. There is no other profession that allows you flexibility, the ability to control your income and the desire to change the world and have your name stamped as the custom gold seal. Listed below are 5 reasons why most people are afraid to depend on themselves for financial survival and valued appreciation. Only the strong can conquer this narrow path.

  1. Fear of the unknown- This is the greatest barrier to the success of many. It dominates, manipulates and transpires the strong into dependent, weak individuals. When you are accustomed to receiving a salary, it’s difficult to transition to possibly not receiving one. The ups and downs can be unbearable if you are not prepared in advance. You can work your job while you build your dream. Learn everything you can on your job so that you know what to and not do in order to make your business thrive.
  2. No support from others- When others don’t support your viewpoint or your choice to leave a job and become an entrepreneur, it can be lonely. One may feel as though they are isolated from the “normal” way of doing things. When in actuality you are. Sometimes you are seeking someone to answer to and there is no one there but you. This may allow you to become distracted by the thoughts and opinions of others and often give up without giving your choice of life a chance.
  3. Not enough experience- Some of the richest business owners are college dropouts. Educational level is not indicative of success. However, there is a distinct characteristic that these individuals share. All were driven from one aspect or another. Their desire was greater than their fear and their belief in themselves carried them to success. So, don't allow your lack of not knowing be your excuse. There are many tools and resources to help you learn how to do what you want to do. In essence, don't recreate the wheel, just make it unique and your own.
  4. Time involved- Starting a business is typically not an overnight success. Even though the idea can be conceptualized during that time, developing it into a successful enterprise requires a significant amount of exclusion. You must remove yourself from all that is temporary in order to create your permanent way of life. The desire to start is always present, but to actually put the dream into action can be mind boggling, not to mention time consuming and possibly costly without the right information.
  5. Lack of direction- Starting without a defined plan confuses the beginning, the middle and the end. A business plan is essential for any business venture, small or large. Most people don’t know where to begin when seeking to start a business. Therefore, they give up before it is put on paper. It remains an imagination. Some often open up shop without research and baptize their business to be doomed from the beginning. You can't travel blind, nor can you succeed without seeing the light. Jot down ideas, look at what others have done and find out how to make it happen.

There are tons of businesses one can start. Some with little investment. Whatever business you decide on, you must be committed and determined to see it succeed. Entrepreneurship is like none other. There is a sense of pride that one has which causes you to stick your chest out with a sincere accomplishment that you made it happen. There's nothing like giving yourself a raise, a vacation or even retirement when you are in control of your destiny and not relying on an employer to do it. Those who attempt to seek the bright side of life often enjoy it so much that the thought of being under the leadership of someone else becomes frightening. These fears can become strengths with self-confidence, self-reliance, guidance, a plan and a whole bunch of faith. Be determined to achieve your goals and stay focused on what you want to accomplish. If you want it, you can have it with effort and action. By the size of a mustard seed, what you want is within reach.

I WANT TO EARN EXTRA INCOME

I am Nichelle Womack. As a people building consultant, I specialize in helping you reach your greatest potential through self-reliance and internal motivation. I provide inspiration through online and community speaking engagements. Positive thoughts and language are my fuel for energy and my desire to help you find yours. Looking for more great life tips, check out "The Master Tip Manual for Personal Success" @http://amzn.to/1bWA7Vw . Many blessings and much success to you!! Check out my websites @ www.nichellewomack.com and www.diversecc.com. Connect with me on Twitter, Instagram & Periscope @NichelleWomack

LEGAL FORMS TO START A BUSINESS

 

How to Improve the POWER of You!

 

On a daily basis individuals are searching for secrets to health, wealth and happiness. In this search, they neglect key indicators that could be the stumbling blocks to success. Most don’t understand the simple aspect of recognizing who they are and what contributions they can make at improving their own personal life. It’s not a secret, but the catch many are missing is understanding self. Once this is understood, you would then have the knowledge to be both successful in personal and business relationships. Like everything leading to success, this begins with a plan.  Whether you’re anticipating improving your relationship with your spouse or family member, or move up the corporate ladder, this is all a result of personal growth. Individual growth starts with doing your best at every moment, in your career, home, or daily activities. Setting goals, no matter how small, enables you to soar to new heights and give you the confidence to accomplish more.

Many times, individuals stay hung up on other people’s expectations on what it is to be successful without factoring in their wants and desires.  Each of us has another idea of what makes us content.  It's important to acknowledge that if you spend most of your time and effort trying to reach another person’s goals, then you will find yourself perpetually searching for your life meaning and you will continue to be distressed.  Recognizing what is important is the first step to improving your personal life.

Balance is a key factor to a successful life. Some individuals don't see the concept of success beyond their own needs.  Frequently we're caught up in serving a dominant function, which overshadows our natural strengths. This results in stress and imbalance in your life. Learning to do things for yourself and your own needs are vital to improving your personal life. If you're always doing for others and seldom take time out for you, then you're building stress rather than improving your life. Your happiness should come first. It’s quite difficult to make others happy if you are unhappy yourself. Finding it hard to say no to others becomes more common and you will find yourself so engulfed by the needs of others, you forget you have needs too. This is a common human trait. You must learn to have an even balance in your life with everything you do and center on what you want. It’s not selfish, but necessary to live a stress free, purpose filled life.

Putting yourself down consistently, finding it hard to accept compliments and wishing you were someone else are simple examples that you may be sabotaging your life into depression. Encouraging positive self-talk with yourself and to other people, not speaking negative about yourself and other people are vital to establishing personal self-pride. Understanding that no matter what, you're ok with you. Improving your self-confidence is extremely important when improving your personal life. This will require putting your positive beliefs in perspective and making it a priority. Day after day you must work on removing the negative thoughts and the limiting self-beliefs you have grown accustomed to hearing. Believing in you is medicine to your soul and the cure you need to succeed.

Surround yourself with encouraging and motivating people. Discouraging people have an opposite agenda of what you need in your life and you must recognize who they are immediately. By taking small steps to do these things, you will begin improving your personal life without even realizing it. The key to success is to be constantly moving toward and forward in your goals. Learn steps to move ahead, stop looking back and refuse to be a victim of your past. Even though the past is important, you want to avoid lingering over past mistakes. Your mistakes should be learning tools and stepping stones towards your constant progress. Use them, learn from them and move ahead without hesitation.

"Our deepest fear is not that we are inadequate. Our deepest fear is that we are powerful beyond measure. It is our light, not our darkness, that most frightens us. We ask ourselves, 'Who am I to be brilliant, gorgeous, talented, fabulous?' Actually, who are you not to be?" Marianne Williamson

 

In essence, when you surround yourself with positive influences, it helps you to gain the power of processing and focusing in on your life. You deserve to have control. Don’t allow others to define your existence or claim your life’s purpose. Work hard on being a better, in control you in all you do. Some people will come and others will go. Nevertheless, understand who you are and don’t give anyone authority to define you in any of life’s capacity without your authorization. People can’t make you feel bad unless you give them permission.

I am Nichelle Womack! As a people building, life transition strategist, I specialize in helping you reach your greatest potential through self-reliance and internal motivation. I provide inspiration through community speaking engagements, one on one consultation and group/team training. Positive thoughts and language are my fuel for energy and my desire to help you find yours. If you are interested in a free 15 minute session of coaching, contact me @ diversecc@gmail.com. Looking for more great life tips, check out “The Master Tip Manual for Personal Success” @http://amzn.to/1bWA7Vw . Many blessings and much success to you!! Check out my websites @ www.2ExcelWithNichelle.com and www.diversecc.com. Connect with me on Twitter, Instagram and Periscope @NichelleWomack. Check out the podcast @ http://bit.ly/peopleconnectpodcast.

The Traits of a Successful Mindset

"I truly believe in positive synergy, that your positive mindset gives you a more hopeful outlook, and belief that you can do something great means you will do something great."  Russell Wilson

 

In order to achieve success in business, relationships and life, you will need to have the right mindset.

Success is something that everyone wants to achieve, but many don’t put in the work. The simple process of achieving success involves you starting, focusing, showing up, committing and making it happen.

Most people simply do not know how powerful their minds are and how it can be the determining factor behind them attaining the success they desire.

“Success does not consist in never making mistakes but in never making thesame one a second time.” – George Bernard Shaw

A lot of people have failed simply because their minds were never in the right place. A lack of success could be a lack of incorporating these 5 principles in your life.

Determination

A true fact is that successful people are simply more determined than those who are not. This is a trait that is seen in every person that is successful in their given field. Their desire to be better than they were yesterday and the perception that it is their responsibility to attain the success that they envision.

Relaxed Despite Adversity

If you are a business owner, you have most likely dealt with a lot of problems. The way that you deal with this adversity will shape who you are as a person and as a business person. It is evident through their resilience of struggle. Successful people don’t complain and if they do, they come at it with a plan.

If you are able to stay relaxed despite adversity, you will be able to become more successful in your endeavors.

Knowledge

Successful people are simply smarter. This is not just speaking about grades in school, but in life in general. Their knowledge with everyday things and common sense is very important and you will need to understand just how important it is to have a lot of knowledge and be willing to acquire it. Successful people know what they can and can’t do.  For those things they can’t do, successful people are smart enough to hire someone who can do it. It is how they think and how they are wired to be successful.

Invest

Successful people are not afraid to invest in themselves. Whether it is for training, practicing or something that will help with their success, successful people will simply invest in their success on a regular basis. They realize that they are their greatest wealth. Successful people acknowledge that investing in themselves is the only way they will achieve their desired goals and objectives. By investing in themselves and others, successful people find another way to be successful on a regular basis.

No fear of failure

Failure is an obstacle for many. But not for successful people. If you have no fear of failure, then you will be motivated to see success clearer. Once you are able to rid your mind from the fear of failure, you will be redirect your actions towards achieving success. Successful people live life with risk and are not afraid to make a mistake. They can also care less what others say about what they do. Fear is their friend because the more they are afraid to do it, the more they are ready to do it at the drop of a hat. It is their fuel and their energy to fear what’s next. The unknown has no existence in their plan.

“Action is the foundational key to all success.” – Pablo Picasso

I can go on and on. The truth about successful people is that they are the CEO’s, the owners, the movers and the shakers of the economy, the school system and the community. They are the ones you want in your life and in your corner. Successful people make the impossible seem so possible. They are prepared to make a difference where there has always been a constant. Change is a part of their vocabulary. Successful people are action takers and problem solvers.

These are just some of the traits that successful people have and you too can have them as well.  Your decision to step out of the box and do what you desire is a decision between you and success. Just as long as you are patient and you try to incorporate these traits into your life on a daily basis, you, YES YOU, will be able to succeed in any aspect of your life.

ARE YOU TIRED OF LIVING PAYCHECK TO PAYCHECK? EARN EXTRA INCOME TODAY

I am Nichelle Womack! As a people building, life transition strategist, I specialize in helping you reach your greatest potential through self-reliance and internal motivation. I provide inspiration through community speaking engagements, one on one consultation and group/team training. Positive thoughts and language are my fuel for energy and my desire to help you find yours. If you are interested in a free 15 minute session of coaching, contact me @ diversecc@gmail.com. Looking for more great life tips, check out “The Master Tip Manual for Personal Success” @http://amzn.to/1bWA7Vw . Many blessings and much success to you!! Check out my websites @ www.2ExcelWithNichelle.com and www.diversecc.com. Connect with me on Twitter and Periscope @NichelleWomack and download my podcast @ "The People Connect Podcast."

The Life of a Hands on Momma

Proverbs

  1. You get to experience #EVERYTHING.
  2. You learn and see things that make you cringe!!
  3. You understand the life you build is bigger than your own.
  4. You love them more than you love yourself.
  5. You are afraid of them making mistakes, but you acknowledge it's the only way for them to grow.
  6. You want them to stay young forever!
  7. You seek solutions in them through your failures.
  8. You live to see them happy, successful and faithful.
  9. You pray you have done everything right from day one.
  10. You do whatever it takes to make things happen for them.
  11. You remain a parent, yet you develop a relationship that helps them feel comfortable discussing everything with you.
  12. You feel grateful, blessed and highly favored when what you taught them is exemplified in their behavior outside the home and others recognize it.
  13. You depend on Jesus when you fear releasing them into a world that doesn't understand them like you do.
  14. You stay on your knees because it gives you peace.
  15. You love and long hearing their voices and the word, "momma or mommy."
  16. You work hard so they will #NEVER be without.
  17. You want to be their biggest and greatest confidant.
  18. You miss them when they are gone, but yet you are excited to get some time to yourself.
  19. You want to make certain that their choice in a girl does not change who they are.
  20. You predict their success through the words, lessons and values you place in them.
  21. You love them with all your heart and then some.
  22. When they call, you stop doing whatever you're doing and tend to their needs.
  23. You realize that in everything you have received, they are your greatest gifts.
  24. You keep hearing voices of your parents telling you, "Wait until you have kids. They are going to treat you just like you treat me."
  25. You want to be their hero, their role model and who they remember and treasure when you are gone.

Every day hasn't been easy, but I am constantly reading the manual to perfect my craft. Thank you God for being my friend and my source of strength through every step of the way.

Testimony Tuesday...

struggle Today.... I'm in the mode of delete and redirect!! Sometimes in life, one must focus in on what counts no matter how much it costs. This is my message to my new coaching clients that entrust me with their challenge. As I minister to you, I minister to myself.

Everything that's not prospering me, holding me back, causing concern, frustration, stirring up trouble and creating delay will be deleted. I don't mean no harm. I just love me too much to give up my happiness and what God intends for my good. It may be difficult for you to understand and don't take it personal. The bridge that I'm crossing is not sturdy enough to carry a load.

I am Nichelle Womack. As a life expansion coach, I specialize in helping you reach your greatest potential through self-reliance and internal motivation. I provide inspiration through online and community speaking engagements. Positive thoughts and language are my fuel for energy and my desire to help you find yours. Looking for more great life tips, check out “The Master Tip Manual for Personal Success” @http://amzn.to/1bWA7Vw . Many blessings and much success to you!! Check out my websites @www.nichellewomack.com and www.diversecc.com. Connect with me on Twitter @DiverseConnect.

Live a Life Worth Repeating...

Live Life “If you start the day reading the obituaries, you live your day a little differently.”

David Levithan

For some, life zooms past us during our working years at the blink of an eye. Consistently, it’s the same daily aspect of wakening up to go to work, getting off work and turning around doing the same thing the very next day.  It's no big surprise why some ask themselves, "How did I get old so quick? Where did all the time go?" Well… time stands still for no one. Unless you use and make every second count, you will find yourself on the other hand of time with no restart button.

The issue is in the daily routine of work. The human personality has this propensity called deletion. Anything that continues to rehash, the memory does not record. Basically because it’s just not worth considering or remembering for that matter.

So…. how can we respect each experience of time and not neglect your life in the process?

The answer lies in you creating self-care, self-awareness and a desire that dwells deep inside of you. In essence, it is a realistic view of an elevated condition of familiarity with your own consideration, sentiments and daily activities. At the same time in the event that you can't do that yet, you can begin by honing in on these three thought provoking questions.

As you lie in bed and before dosing off, ask and answer these three questions:

  1. What is one thing I am thankful for on this day?
  2. What and how do I anticipate tomorrow?
  3. If I had to choose how my day will go, what would that look like?

I call these straight forward brain teasers that will encourage the beginning of creating something great? All things considered, let me share the rationale behind them. The first question requires you to thoroughly consider your day and discover something you're truly thankful for. As you do that, not only will you discover something to be thankful for, you will likewise have reviewed your whole day from a much larger perspective. In Neuro-Linguistic Programming, we call this recapping an overall perspective and justifying the importance of a circumstance. Try this! Envision placing your everyday experience into a container, put a top on it and then name it, "The Way I View My Life". Having a considerable amount of these containers in your thoughts sorts your memories into noteworthy encounters or folders per se’ instead of having them as one extensive cluster called, "My Life.. How I Hoped it Would Be".

The second question entices you to look forward in time and envision what's going to or what you hope to happen tomorrow. When you have something to anticipate, it makes this characteristic more appealing to the mind and gives you the drive and energy to make it happen. You will feel inspired the minute you wake up. It will be the first thought on your mind and your self-sensor will provoke you to act on it.

The third question uncovers your deepest desires based upon the fact that we typically decide to dream about what we need and wish for. This solidifies your path and reason which later clarifies your desire to want it even more.

If you ask yourself these three questions on a regular basis, you will have a greater respect for the time you have and it won’t seem to fly by. You will begin to focus on the important aspects about your life and have a clear perspective to do what truly matters. Live life intentionally, full of joy and do what makes you happy.

I am Nichelle Womack. As a life expansion coach, I specialize in helping you reach your greatest potential through self-reliance and internal motivation. I provide inspiration through online and community speaking engagements. Positive thoughts and language are my fuel for energy and my desire to help you find yours. Looking for more great life tips, check out "The Master Tip Manual for Personal Success" @http://amzn.to/1bWA7Vw . Many blessings and much success to you!! Check out my websites @ www.nichellewomack.com and www.diversecc.com. Connect with me on Twitter @DiverseConnect.

Don't Spend That Refund Check Just Yet!

Calendar - Tax Day Circled

"Government's view of the economy could be summed up in a few short phrases: If it moves, tax it. If it keeps moving, regulate it. And if it stops moving, subsidize it." -Ronald Reagan

It's tax time again! You may not like this time of year, but many people do. Was saving money, making money or spending money on your list of resolutions for 2015? If so, here's a great opportunity to start the year off right. Don't just talk about it, be about it and just do it! Instead of using your tax refund that you allowed the government to hold all year with no interest to buy something of no value, utilize it to increase your financial portfolio and better the life of yourself and those around you. You will be much better off in the long run and you will reap what you sow. A harvest well planted grows bountiful in rewards. Listed below are 5 things you can do today to increase your net worth.

1. Buy a house. As a homeowner, you get to deduct the interest you pay to the mortgage company. Even though home ownership comes with a lot of responsibility, the good outweighs everything. Instead of being the 3rd party in a transaction, it will be you and the bank. Not you, the landlord and the bank. Home ownership helps you build wealth. You will have an opportunity to build a solid credit history with on time monthly payments.This gives you leverage. If you are renting or leasing, your landlord enjoys this benefit. He/she is basically enjoying the financial rewards of your inability to do this and creating wealth at the same time. Things have changed a lot with buying a home. I suggest you seek a qualified, licensed Realtor and mortgage professional to help you along the way.

2. Start a home-based business. You may feel that starting a business can be costly and overwhelming. Well... you are right for the most part. However, a home based business offers so much more flexibility and are typically less expensive to start versus a brick and mortar type of business. Most home based business owners start while they are still working a job to make ends meet. That's the uniqueness of this type of opportunity. Being a business owner gives you the right to write off expenses while conducting business. It also provides you with another means of income and you are not so dependent on your job. Business owners save an average of $500.00 monthly on their taxes and that's just the tip of the iceberg. That's about 10 to 18 percent. You have the flexibility to do what the average tax payer cannot do which gives you more diversity in your portfolio. You can deduct home office space, utilities, gifts and incentives to name a few. Check with your local tax advisor about the advantages in your state.

3. Invest in stock options. Even though the Dow has its ups and downs, your money has a greater chance to increase versus being placed in a bank account at 0.5% to 2% interest. Search and investigate the companies growth history over the last five years so that you can make a wise decision. Hire a broker if you don't feel comfortable with your knowledge. Join an investment club, watch you-tube videos and read books. There's so much information available at your fingertips about how to build wealth.

4. Pay off credit card debt with the highest interest. Most of your monthly payment is going towards the interest and not the balance. This activity makes it literally impossible to ever pay it off in a reasonable amount of time. Debt is the handicap of wealth. The only way to get rid of it is to stop accumulating it. Credit card debt can be good and bad. Depending on what you are using it for justifies its value.

5. Donate to charity. This is the most rewarding aspect of giving. You haven't been blessed until you can bless someone else. Not only will you impact the lives of others, but you will contribute to your personal well being by utilizing it as a deduction next year to do the same thing again or find a new cause. Find a charity you are passionate about. Utilize its mission to make you a better person. Get involved with the charity and its purpose. Your time and donation will be indispensable to those in need.

I hope you found these five tips worthy. Encourage others to take this challenge. Be the spearhead of this endeavor and watch how your life and your circumstance will change for the better. Not only will you be happier, you will also feel more accomplished. Blessings!

"The person who does not know where his next dollar is coming from usually does not know where his last dollar went." -Unknown

I am Nichelle Womack. As a people building coach, I specialize in helping you reach your greatest potential through self-reliance and internal motivation. I provide inspiration through online and community speaking engagements. Positive thoughts and language are my fuel for energy and my desire to help you find yours. Looking for more great life tips, check out "The Master Tip Manual for Personal Success" @http://amzn.to/1bWA7Vw . Many blessings and much success to you!! Check out my websites @ www.nichellewomack.com and www.diversecc.com. Connect with me on Twitter @DiverseConnect.