No More Excuses. Wake Up!

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 On this episode of NO More Excuses Wake Up! Introducing Tamika N. Wyche -Greenidge, Esquire 

Law Offices of David Paul Daniels has been family-owned and operated since 1979. Tamika N. Wyche-Greenidge, Esquire, started in the family business in 1997 as a legal secretary and -worked under the tutelage of her grandfather, David Paul Daniels, Esquire, until he passed on January 12, 2017. Tamika has been a lifelong resident of South Jersey. A graduate of Highland High School, she went on to earn a Bachelor of Science in Business at Rutgers University in Camden, New Jersey in 2000, a law degree from Widener University in Wilmington, Delaware in 2005, and a Master of Laws (LL.M.) in Trial Advocacy from Temple University in Philadelphia, Pennsylvania in 2012. After graduation, Tamika went from serving the clients of the Law Offices of David Paul Daniels behind a desk straight into the courtroom. Since being in practice, Tamika has handled a wide variety of bankruptcy, personal injury, real estate, and family matters. She is licensed to practice in both New Jersey and Pennsylvania and has also been admitted to the bar of the United States District Court for the District of New Jersey, the United States District Court for the Eastern District of Pennsylvania, and the United States Supreme Court. Tamika is an active member of the National Association of Consumer Bankruptcy Attorneys (NACBA) and was also acknowledged by South Jersey Legal Services in 2019 for the pro bono services she provides to residents of Southern New Jersey.

 From this episode you will learn:

•  Bankruptcy is a way to help people get a fresh start and get back on their feet. Chapter 7 is the shortest amount of time and lasts three to four months. Chapter 7 is designed to help get rid of some unsecured debt and the shortest bankruptcy.  
• Chapter 13 is designed to help people who are falling behind on mortgage, car payments, and type of unsecured debt to get current.

                                    Tamika -Greenidge Esquire Word/s of Affirmation
·        God is always good, no matter what the situation. 
·        His No's are even laced with goodness.
·        Wealth is having freedom of time. It is not how much money you have in the bank. 
·        If you can free up your time that is wealth, you can tell your dollar what to do.
·         When you leave this world, people are going to figure out how to do it without you. 
·        No one can take away your ability to think. What impact did you make while you were here! 
·        If you can work yourself out of a job you are an awesome leader!

  Connect with Tamika -Greenidge Esquire at
Instagram: https://www.instagram.com/daviddanielslaw
Instagram: https://www.instagram.com/tamikalawyergirlinvestor
Facebook: www.facebook.com/daviddanielslaw

                     MY PERSONAL FINANCIAL MANTRA

BUDGET
PAY DEBT
SAVE
INVEST
AND LIVE
    
 On each episode of No More Excuses. Wake Up! We will be talking about Money, Entrepreneurship & Life Skills that were not taught. 

           You can download my free budgeting spreadsheet at www.stenellthemoneytherapist.com while you are there watch my video as I portray Muhammad Ali 

Send us Fan Mail

Tamika L. Chester values her faith, family, and community. She is dedicated to helping people ignite their passions; find their purpose; and achieve their life goals by connecting them to the people, places, and things that will aid them in doing so. One of Tamika’s life mottos is “Be the change you wish to see in the world” followed by “Just do it”. Tamika grew up in the city of Camden and after graduating from Rowan University in 1997; she joined AmeriCorps, a national service program that engages Americans in intensive service to meet the nation’s critical needs in education, public safety, health, and the environment. During that year of service, Tamika provided over 1,750 hours of community service to the children, youth, and families living in the city of Camden. It was during that time that Tamika realized the true meaning of Servant Leadership and has been a catalyst for change in her community and at work. Her irrepressible spirit gives her the ability to fearlessly tackle life’s downfalls and overcome adversity lovingly with humor, grace, and dignity. She is an active member of Delta Sigma Theta Sorority, Inc., and has provided group and/or individual mentoring to over 150 young women over the past 25 years. Tamika currently works for the New Jersey Department of Education as a Senior Program Officer for the 21st Century Community Learning Centers Grant Program. Her work experiences throughout Southern New Jersey and Pennsylvania, highlight over 25 years of documented successes in designing, implementing, monitoring, and evaluating youth programs; out-of-school time programs; positive youth development; parent and family engagement, and mentoring. Above all, and most importantly, Tamika is a beloved daughter of the most High, a wife, a mother, a grandmother, a sister, and a friend.

 From this episode you will learn:

 · Tamika has been operating in her God-given talents and abilities, which have always open doors for her and provided her a seat at the table.

Tamika is Resilient, Relational and I have an Irrepressible Spirit.

                                    Tamika’s Word/s of Affirmation

 "Faith Without Works is Dead" "Always operate in excellence" "If you're not going to do it right, don't do it at all" Excuses are tools of the incompetent" "Work Hard, Play Harder."

 Connect with Tamika at:

Instagram: https://www.instagram.com/the fabconnection

Facebook: www.facebook.com/tamika.chester

                     MY PERSONAL FINANCIAL MANTRA

BUDGET

PAY DEBT

SAVE

INVEST

AND LIVE

     On each episode of No More Excuses. Wake Up! We will be talking about Money, Entrepreneurship & Life Skills that were not taught. 

           You can download my free budgeting spreadsheet at www.stenellthemoneytherapist.com while you are there watch my video as I portray Muhammad Ali showing you how I kick down closed doors.

              Book a 3-month 1-1 personal or business coaching call with me:  https://stenellthemoneytherapist.as.me/consultation

                  Learn more about me and my agencies: 

                   www.stenellmyersenterprises.com

      If you would like to be on No More Excuses. Wake Up! Podcast, please email me at [email protected]

    Have a question? Want to share a topic you think I should discuss? Email me your questions and suggestions at

[email protected] 

Send us Fan Mail

    On this episode of No More Excuses Wake Up! How I purchased my vacation home using my business bank statements. 

 I always wanted a vacation home in Florida. Five years I had this plan to purchase a home every time I tried doors were closed. Doors continued to close all the way to closing on the first home that we lost. We almost were not able to purchase this home because it appeared as if we had no income to purchase a second home because I was processing our taxes for years and was processing them incorrectly, so it appeared as we were not making any money. I was introduced to Business Bank Statement Loans and a broker that proved there is another way to purchase a home for Business Owners and Entrepreneurs. 

From this episode you will learn:

·    The definition of a business bank statement loan and who qualifies for one.

·        Why I did not qualify for a traditional home loan. 

·    Exactly what I did to purchase the vacation home using a business bank statement loan. 

·        What you need to qualify. 

·        Why we had to put down 20% on our vacation home as well as having reserves.

  MY PERSONAL FINANCIAL MANTRA

 BUDGET

PAY DEBT

SAVE

INVEST

AND LIVE

   ·         You can download my free budgeting spreadsheet at www.stenellthemoneytherapist.com while you are there watch my video as I portray Muhammad Ali showing you how I kick down closed doors.

      ·         Book a 3-month 1-1 personal or business coaching call with me:  https://stenellthemoneytherapist.as.me/consultation

     ·         Learn more about me and my agencies:     https://stenellmyersenterprises.com/

       If you would like to be on No More Excuses. Wake Up! Podcast, please email me at [email protected]

    Have a question? Want to share a topic you think I should discuss? Email me your questions and suggestions at  /  [email protected]

   Connect with me at

www.stenellthemoneytherapist.com

http://www.instagram.com/stenellthemoneytherapist

http://www.facebook.com/moneytherapyinstitute

https://linktr.ee/stenellthemoneytherapist

                            MONEY ENTREPRENEURSHIP AND LIFE SKILLS

                                       THAT WAS NOT TAUGHT!  

                                  NO MORE EXCUSES! WAKE UP

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On this episode of No More Excuses Wake Up! (Wisdom Tip) How I saved $170 a month for a year and a half to purchase a car with cash.

 Having $50,000 in debt I had to decide to make some quick sound choices to not only get out of debt but to change the way I was thinking about money. I had to create a lifestyle of saving for things that were important to me. We had three cars and were paying $1300 a month in car notes not including gas and the maintenance of the car when the time came for the car to need maintenance.  Do not wait for your car to break down to get back into a car note. Having a plan saving a little as $85 bi-weekly to save for a car.

 From this episode you will learn:
                                                                                                         
·         Exactly how  I  saved to purchase my car in cash.

·         How I plugged money into my two-car accounts to save to purchase a car and for the maintenance of the car.

·        How I used the remaining balance from the car to invest in my Roth IRA and save in my emergency account.

·        The freedom of knowing you have an account dedicated to car maintenance when emergencies happen.

·        How to think once a minute every hour every second every day and strategic planning not just thinking to save once a year during income tax season.

 MY PERSONAL FINANCIAL MANTRA
BUDGET
PAY DEBT
SAVE
INVEST
AND LIVE

     On each episode of No More Excuses. Wake Up! We will be talking about Money, Entrepreneurship & Life Skills that were not taught. 

     ·         You can download my free budgeting spreadsheet at www.stenellthemoneytherapist.com while you are there watch my video as I portray Muhammad Ali showing you how I kick down closed doors.

      ·         Book a 3-month 1-1 personal or business coaching call with me:  https://stenellthemoneytherapist.as.me/consultation

     ·         Learn more about me and my agencies:     https://stenellmyersenterprises.com/

       If you would like to be on No More Excuses. Wake Up! Podcast, please email me at [email protected]

    Have a question? Want to share a topic you think I should discuss? Email me your questions and suggestions at

[email protected] 

  Connect with me at
·         Facebook: https://www.facebook.com/moneytherapyinstitute/
·         @stenellthemoneytherapist
·        Instagramhttps://www.instagram.com/stenellthemoneytherapist 
·         [email protected] 
        
           MONEY ENTREPRENEURSHIP AND LIFE SKILLS THAT WERE NOT TAUGHT

                                                           NO MORE EXCUSES! WAKE UP 

Send us Fan Mail

On this episode of No More Excuses Wake Up! Introducing Dr. Deborah Spence

 Dr. Deborah Spence, host of the need to talk radio show: wrcj 90.9 FM is the CEO and Owner of Need to Talk Counseling and Wellness Center. She offers the following services, Marriage and Relationships, Child and adolescent, Art Therapy, Women's Issues, Family Intervention, Personality, Men Issues, Depression and Anxiety, Pandemic fatigue, Career Counseling, Adjustment Disorders, and Bariatric Evaluations. 

 From this episode you will learn:

 ·    Dr. Spence personal experience with woman-on-woman abuse

·    The effects of Shame on Woman 

·    The importance of casting your cares on God

  Deborah Word/s of Affirmation

 Proverbs 16:3- The preparations of the heart in man,

And the answer of the tongue, is from the LORD.

2All the ways of a man are clean in his own eyes.

But the LORD weighted the spirits.

3Commit thy works unto the LORD,

And thy thoughts shall be established.

 
Connect with Dr. Spence at:

www.needtotalktoday.com

 FB:  www.facebook.com/deborah.johnsonspence

   On each episode of No More Excuses. Wake Up! We will be talking about Money, Entrepreneurship & Life Skills that were not taught. 

 ·        You can download my free budgeting spreadsheet at www.stenellthemoneytherapist.com while you are there watch my video as I portray Muhammad Ali showing you how I kick down closed doors

       Book a 3-month 1-1 personal or business coaching call with me:  https://stenellthemoneytherapist.as.me/consultation

   Learn more about me and my agencies: https://stenellmyersenterprises.com/

       If you would like to be on No More Excuses. Wake Up! Podcast, please email me at [email protected]

    Have a question? Want to share a topic you think I should discuss? Email me your questions and suggestions at [email protected] 

  Connect with me at

·        Facebook: https://www.facebook.com/moneytherapyinstitute/

·         ·        @stenellthemoneytherapist

·        Instagram: https://www.instagram.com/stenellthemoneytherapist 

                                                MONEY ENTREPRENEURSHIP AND LIFE SKILLS

                                                                          THAT WAS NOT TAUGHT!  

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On this episode of NO More Excuses Wake Up! Introducing  Altagracia Felix

Alta Felix is a Certified Money Coach and the owner of R2E | Revitalize. Reinvent. Empower. Her 1-1 and group coaching programs specifically serve the needs of women who have experienced abuse or trauma and are ready to break free from their experiences to begin living the life they truly desire. Her mission is to empower her clients to heal their relationships not only with themselves, but also with others, and money.

Alta Felix uses her experience to empower women to heal and thrive after trauma and/or abuse. She is passionate about empowering women to take control of their lives and understand their true potential to thrive.

From this episode you will learn:

·        Alta is a 3x survivor of abuse

·        a mother of 3 plus 2

·        a lover of life

Alta’s Word/s of Affirmation

I Am Worthy simply because I exist.

Connect with Alta at:

https://r2ecoach.com/

IG:https://www.instagram.com/r2ecoach/

FB:https://www.facebook.com/alta.felix/

      On each episode of No More Excuses. Wake Up! We will be talking about Money, Entrepreneurship & Life Skills that were not taught. 

 ·        You can download my free budgeting spreadsheet atwww.stenellthemoneytherapist.com. while you are there watch my video as I portray Muhammad Ali showing you how I kick down closed doors

       Book a 3-month 1-1 personal or business coaching call with me: https://stenellthemoneytherapist.as.me/consultation

 ·       

Learn more about me and my agencies:https://stenellmyersenterprises.com/

      If you would like to be on No More Excuses. Wake Up! Podcast, please email me at [email protected]

   Have a question? Want to share a topic you think I should discuss? Email me your questions and suggestions at [email protected] 

Connect with me at

·        Facebook:https://www.facebook.com/moneytherapyinstitute/

·         ·        @stenellthemoneytherapist

·        Instagram: https://www.instagram.com/stenellthemoneytherapist 

   MONEY ENTREPRENEURSHIP AND LIFE SKILLS

                        THAT WAS NOT TAUGHT!  

Send us Fan Mail

On this episode of NO More Excuses Wake Up! Introducing Ashley, A Van-Veen

 Ashley
Van-Veen is a millennial woman from Baltimore, Maryland. She is a respiratory
therapist, financial activist, future certified financial planner, and founder
of Bankable Facts, an online following that shares relatable, digestible, and
socially conscious financial advice to Millennial and Gen Z professionals who
have a 9-5 job. Ashley became debt-free of student loans and a car loan 2 years
ago and is now investing for early retirement. 

 Ashley invests so that she can be the first multi-millionaire in her family and inspires other young professionals to do the same.

 From this episode you will learn:

•       Ashley is a healthcare hero (a respiratory therapist).
•       Ashley believes that personal work and policy are important to help women and people of color become financially fit to better navigate our society.
•       One of Ashley’s favorite pastimes is salsa dancing!

 Ashley’s Word/s of Affirmation

 My creativity is unique to me and therefore valuable to others.

I am comfortable in high vibrations and it is easy to stay there.

Connect with Ashley at:
linktr.ee/bankablefacts  

       On each episode of No More Excuses. Wake Up! We
will be talking about Money, Entrepreneurship & Life Skills that were not
taught. 

 ·        You can download my free budgeting spreadsheet at www.stenellthemoneytherapist.com. while you are there watch my video as I portray Muhammad Ali
showing you how I kick down closed doors

 ·        Book a 3-month 1-1 personal or business coaching call with me:  https://stenellthemoneytherapist.as.me/consultation

 ·        Learn more about me and my agencies: https://stenellmyersenterprises.com/
      If you would
like to be on No More Excuses. Wake Up! Podcast, please email me at
[email protected]

 ·        Have a question? Want to share a topic you think I should discuss?
Email me your questions and suggestions at [email protected]  
       
·         Connect with me at
      Facebook: https://www.facebook.com/moneytherapyinstitute/
       ·        @stenellthemoneytherapist
      Instagram: https://www.instagram.com/stenellthemoneytherapist 

      MONEY ENTREPRENEURSHIP AND LIFE SKILLS THAT WAS NOT
TAUGHT!  

Send us Fan Mail

On this episode of NO More Excuses Wake Up! Introducing Tamika McTier.
 Tamika is very passionate about providing accountability and empowering women that are on a journey to become the best versions of themselves. Tamika has always been a source of reference for women seeking advice, words of encouragement, prayer, and empowering those in need. 

 It has become a common act but women especially to share their heart and life experiences with her. Tamika has interacted with a lot of women over the years, which led her into discovering her empathetic and warm personality that gives other women the freedom to confide and seek her advice about their fitness journeys, family life, faith, and financial experiences. 

 Tamika is a wife of 15 years who has a passion for marriage and seeing others reach their martial goals. As a result, she spent 5 years serving in ministry orchestrated in a group setting teaching married couples how to navigate life together. As a certified marriage facilitator, she has conducted private marital counseling sessions for couples and private one-on-one sessions for women only using the SYMBIS (Saving Your Marriage Before It Starts) curriculum. 

 From this episode you will learn:

·        Tamika is a wife of 15 years and knows firsthand the work it takes to have a strong marriage.

·        Tamika a woman of faith, a goal crusher, and a conversationalist that allows people the freedom to express themselves free of judgment. 

·        Tamika’s Word/s of Affirmation.  
         Confidence will take you places your fears have never seen. 

Connect with Tamika at: https://www.facebook.com/tamika.mctier/ and Instagram https://www.instagram.com/_tamikamctier/

·        On each episode of No More Excuses. Wake Up! We will be talking about Money, Entrepreneurship & Life Skills that were not taught. 

 ·        You can download my free budgeting spreadsheet at www.stenellthemoneytherapist.com. while you are there watch my video as I portray Muhammad Ali showing you how I kick down close doors

 ·        Book a 3-month 1-1 personal or business coaching call with me:  https://stenellthemoneytherapist.as.me/consultation

 ·        Learn more about me and my agencies: https://stenellmyersenterprises.com/

·        If you would like to be on No More Excuses. Wake Up! Podcast, please email me at [email protected]

 ·        Have a question? Want to share a topic you think I should discuss? Email me your questions and suggestions at [email protected] 

·         ·         Connect with me at

·        Facebook: https://www.facebook.com/moneytherapyinstitute/

·         ·        @stenellthemoneytherapist

Send us Fan Mail

I know you always hear about entrepreneurship which is why I am speaking briefly in this episode but from the heart. As I reflect on why I decided to be a business owner it came back to God showing me what He wanted me to do. In the process of my reflection, I asked myself why I took the path to be a business owner after working over 20 years in the field of mental health and education. I discovered my “why” and that “why” is what led me to continue to work in the field of helping others as a business owner. 

Figuring out my “why” I am now able to help my staff and clients.

What is entrepreneurship to you? 

Taking on a lot of risk and responsibility is the core of entrepreneurship. If money is the reason you should re-evaluate your “why” because money should not be the core of wanting to become your own boss.

My “why” is freedom. The freedom to follow my instincts, make the best administration decisions and follow what I believe is the right thing to do. 

What’s your reason why? Why do you want to be an entrepreneur? Is entrepreneurship for you?

If you need help with budgeting, I have a 1-1 coaching for personal or business click here to learn more

 From this episode, you will learn:

• Why I decided to be a business owner and entrepreneur.
• I did not like my supervisors telling me what to do when I am on the front line and their decisions directly affect me.
• Someone who paved the way before you is valuable and a must.
• Difference of fulfilling the needs of a business contract and making daily operation decisions.
• Understanding your why to become an entrepreneur.
• The reward of making my own decisions to be a business owner.

 On each episode of No More Excuses. Wake Up! We will be talking about Money, Entrepreneurship & Life Skills that were not taught. 

 You can download my free budgeting spreadsheet at www.stenellthemoneytherapist.com. while you are there watch my video as I portray Muhammad Ali showing you how I kick down closed doors

 Book a 3-month 1-1 personal or business coaching call with me:  https://stenellthemoneytherapist.as.me/consultation

Learn more about me and my agencies: https://stenellmyersenterprises.com/

 If you would like to be on No More Excuses. Wake Up! Podcast, please email me at [email protected]

 Have a question? Want to share a topic you think I should discuss? Email me your questions and suggestions at [email protected] 

Connect with me at

Facebook: https://www.facebook.com/moneytherapyinstitute/

   @stenellthemoneytherapist

Instagram: https://www.instagram.com/stenellthemoneytherapist 

 MONEY ENTREPRENEURSHIP AND LIFE- SKILLS THAT WAS NOT TAUGHT!

Send us Fan Mail

If there is one thing to know about me, I am serious when it comes to money and budgeting. Which is why I not only wrote about this topic in my book Whippin Debt’s Ass, but I also talk about the importance of sitting down each time you are paid and work on that budget to plan your monthly expenses. In this episode, "The Budget Is Real", I am breaking down how to utilize my personal budget spreadsheet. I separated each category that has a separate total, which you will be able to see what you are GOING to spend before you begin to pay your bills.

The bottom line is after all the bills are paid and you put money in the envelope category such as groceries, vacations, take out and date night, the left-over balance goes to pay your DEBT. This is called the burner syndrome. I will go into detail to break down the burner syndrome in another episode because the burner syndrome method will tell you what category to focus on in your envelopes. So, you are saving and living at the same time instead of having unnecessary envelopes and strategically planning. 

I want you to focus on getting used to using a budget. If you do not have a budget you are not seeing your money perform. Which is why you do not know what you are spending and saving. Budgeting will be that guide to help you perform a better financial lifestyle.

If you need help with budgeting I have a 1-1 coaching for personal or business click here to see more

 From this episode you will learn

•   Budget is an outline for what you are going to spend before you spend.
• Commit to the budget which you will be committing to yourself.
•  Execute the budget, by holding yourself accountable for making an agreement with yourself to improve your financial conditions.
• Plugging in, paying yourself and putting money away in the envelope category for groceries, take out, vacations etc. 
• Spreadsheet categories, Income, Monthly household expenses, Monthly Debt payments, Envelopes.
• Special Circumstance is a place to put a surplus of money such as Child Support, Social Security or Survival Benefits to separate from your job income 

Words of Affirmation

You can accomplish anything! Just Do You!

 On each episode of No More Excuses. Wake Up! We will be talking about Money, Entrepreneurship & Life Skills that were not taught. 

 You can download my free budgeting spreadsheet at www.stenellthemoneytherapist.com. while you are there watch my video as I portray Muhammad Ali showing you how I kick down close doors

 Book a 3-month 1-1 personal or business coaching call with me:  https://stenellthemoneytherapist.as.me/consultation

 Learn more about me and my agencies: https://stenellmyersenterprises.com/

If you would like to be on No More Excuses. Wake Up! Podcast, please email me at [email protected]

 Have a question? Want to share a topic you think I should discuss? Email me your questions and suggestions at [email protected] 

  Connect with me at

Facebook: https://www.facebook.com/moneytherapyinstitute/

 @stenellthemoneytherapist

Instagram: https://www.instagram.com/stenellthemoneytherapist 

 MONEY ENTREPRENEURSHIP AND LIFE- SKILLS THAT WAS NOT TAUGHT!