Pruning To Prosper/ Catholic, Declutter, Organize, Motivation, Budget, Meal Plan

In today's episode, family physician, Dr. Judy, chats with me about her son, Adam.  Early into high school, Adam knew a typical classroom setting wasn't working for him.  He felt a love of working with not just his mind to solve problems, but, his hands as well.  This passion led to the decision to take VoTech classes during high school and continue into his current apprenticeship.  After passing his boards, Adam will embark on a career in the commercial plumbing industry. Graduating debt free with a lucrative career will set him on course to retire at age 50!  

Parents, in this series, I am hoping you hear stories to inspire and give you hope that your child has been given gifts and passions to be used in this world.  Traditional 4 year college isn't for every child.  Your child can take a different path, a debt free path, that can lead to a very rich life.

If you would like to work with me 1:1 for local in-person decluttering or virtual clutter, budgeting or meal planning, please email me, Gina Morton at: [email protected]

Is the clutter in your home so overwhelming you don't know where to begin? Or you do begin and quickly make a bigger mess, get frustrated and give up? Are you waiting for motivation to strike and THEN you'll get it together?  

 Motivation is not going to strike, so STOP waiting for it!  Just get started and guess, what? Momentum will kick in and help you finish the job.  When we look at the big picture, it's easy to get overwhelmed and stay stuck.  In these Saturday morning episodes, I lead you through one very small area of your home to declutter for just 5 minutes.  You won't pull everything out and make a bigger mess, you'll just handle a very small section at a time.  Week after week and little by little, your home will begin to feel lighter. You'll be able to freely open kitchen drawers and quickly find items.  Cleaning will become easier too because you won't be cleaning before you can actually clean.  5 minutes will make a difference! Set your prayer intention to unite your work with Him, pop in this podcast, and set your reward.  Let's get started

To work with me 1:1 or to schedule a 30 minute complimentary discovery call, please email me at: [email protected]

To watch this podcast on YouTube, click here: https://www.youtube.com/channel/UCyBOLMzUaXPRTy59xCxr76g

To follow me on Facebook and join in live chats and classes, click here: https://www.facebook.com/tightshipmama

If Instagram is your jam, here you go: https://www.instagram.com/tightshipmama/

Overwhelmed thinking about how to pay for college for your student?  Fear not, Kara Walker is joining us on the podcast today to talk all about how she went to college debt free and how your child can too!

Instagram --＞ @moneyandmentalpeace - https://www.instagram.com/moneyandmentalpeace/ 

Facebook --＞  Christian College Girl Community - Scholarships & Graduate Debt-Free - https://www.facebook.com/groups/734349047530666

Connect --＞ [email protected]

Website --＞  https://moneyandmentalpeace.com/

My course The Debt-Free College Blueprint --＞  debtfreecollegeblueprint.com

Mentioned in this episode:

College Level Examination Programs (CLEP tests)

https://clep.collegeboard.org/clep-exams

Getting Reimbursed for CLEP tests:

https://modernstates.org/test-center-reimbursement/

Not just for homeschooling! https://homeschoolingforcollegecredit.com/2019/01/29/take-a-clep-for-free/

Tips:

Look for scholarships in concentric circles.  Start close to home.  Does your company or your spouse's company offer college scholarships? Your church? Your own high school? Clubs within your community? Your bank? Your community college? 

Many scholarships will come directly from the university.  Remember that what they offer is just the tip of the ice berg.  Dive further into your course of study or any endowment scholarships that the school may offer.  Never stop asking.  Each year into college may bring new opportunities for which your child now qualifies.  

Overall tip: Parent the child in the way they should go and don't stress too much about perfect SAT's or GPA or high school resume.  If you don't have any money saved for your child's education, you can still help them by allowing them to live with you, feeding them, and simply encouraging them to be the person God has called them to be.  With a debt free degree, their future has unlimited possibilities!

To work with Kara Walker, please contact her here:

To work 1:1 with me in-person decluttering, virtual decluttering, meal planning or budgeting, please email Gina Morton at: [email protected] to schedule your complimentary half hour discovery call.

Is the clutter in your home so overwhelming you don't know where to begin? Or you do begin and quickly make a bigger mess, get frustrated and give up? Are you waiting for motivation to strike and THEN you'll get it together?  

 Motivation is not going to strike, so STOP waiting for it!  Just get started and guess, what? Momentum will kick in and help you finish the job.  When we look at the big picture, it's easy to get overwhelmed and stay stuck.  In these Saturday morning episodes, I lead you through one very small area of your home to declutter for just 5 minutes.  You won't pull everything out and make a bigger mess, you'll just handle a very small section at a time.  Week after week and little by little, your home will begin to feel lighter. You'll be able to freely open kitchen drawers and quickly find items.  Cleaning will become easier too because you won't be cleaning before you can actually clean.  5 minutes will make a difference! Set your prayer intention to unite your work with Him, pop in this podcast, and set your reward.  Let's get started

To work with me 1:1 or to schedule a 30 minute complimentary discovery call, please email me at: [email protected]

To watch this podcast on YouTube, click here: https://www.youtube.com/channel/UCyBOLMzUaXPRTy59xCxr76g

To follow me on Facebook and join in live chats and classes, click here: https://www.facebook.com/tightshipmama

If Instagram is your jam, here you go: https://www.instagram.com/tightshipmama/

Opening Bible verse: Ephesians 5:15-17

Opportunity cost is what has been given up because a different decision was made. In today's episode we talk about the true cost of student loans.  If your child graduates with student loan debt, chances are they won't also be able to afford to save for retirement.  I know retirement might seem really far off for your child but the financial decisions they make now, could affect them for the rest of their lives.  Investing early and often is crucial to retiring with dignity.  

Check out this retirement calculator that you can input different numbers to see how much can be saved when starting early in their careers.  I used an average rate of return of 7% for the numbers quoted in this episode.  I also kept the numbers really simple and did not take into consideration all the potential life changes.  Simply, a monthly debt of $278 or a monthly investment of $278. You can run similar scenarios for any type of credit card debt as well.  Here is the website I used to demonstrate the power of compound interest working FOR you:

https://www.nerdwallet.com/calculator/compound-interest-calculator

While I don't talk about credit card debt (your teen will be offered a free gift to sign up for credit cards in college) in this episode, I wanted to share another calculator with you to play around with numbers to demonstrate to your teen the power of compound interest working AGAINST them

https://www.bankrate.com/finance/credit-cards/minimum-payment-calculator/

If you would like to work with me 1:1 on in-person decluttering, virtual decluttering, mindset, budgeting, or meal planning, please email me (Gina Morton) at: [email protected]

Is the clutter in your home so overwhelming you don't know where to begin? Or you do begin and quickly make a bigger mess, get frustrated and give up? Are you waiting for motivation to strike and THEN you'll get it together?  

 Motivation is not going to strike, so STOP waiting for it!  Just get started and guess, what? Momentum will kick in and help you finish the job.  When we look at the big picture, it's easy to get overwhelmed and stay stuck.  In these Saturday morning episodes, I lead you through one very small area of your home to declutter for just 5 minutes.  You won't pull everything out and make a bigger mess, you'll just handle a very small section at a time.  Week after week and little by little, your home will begin to feel lighter. You'll be able to freely open kitchen drawers and quickly find items.  Cleaning will become easier too because you won't be cleaning before you can actually clean.  5 minutes will make a difference! Set your prayer intention to unite your work with Him, pop in this podcast, and set your reward.  Let's get started

To work with me 1:1 or to schedule a 30 minute complimentary discovery call, please email me at: [email protected]

To watch this podcast on YouTube, click here: https://www.youtube.com/channel/UCyBOLMzUaXPRTy59xCxr76g

To follow me on Facebook and join in live chats and classes, click here: https://www.facebook.com/tightshipmama

If Instagram is your jam, here you go: https://www.instagram.com/tightshipmama/

Opening Bible verse: Matthew 16:25

In today's opening Bible passage, Jesus is telling his followers that the way to find their life is to lose it for his sake.

Oftentimes, we have a plan for our life.  A course after high school we would like to take.  Many times, that is not the same course God has planned for us.  In order to be truly happy and to live the rich life God has planned for us, we need to lose the plan we made.  

Today I share my journey to finding the college that wasn't my first choice (actually it was my last choice), but the choice God had planned for me.  Following His plan has worked out very well.  In fact, when we follow God's plan, He just may surprise you with a bonus win that allows for a really rich life sooner than you expected.  

Please follow the show if you like this content and share this episode with a friend who is also stressing out about her kid choosing a college!

With God leading the way, we can't go wrong, Mamas

To work with me 1:1 or to schedule a 30 minute complimentary discovery call, please email me at: [email protected]

Is the clutter in your home so overwhelming you don't know where to begin? Or you do begin and quickly make a bigger mess, get frustrated and give up? Are you waiting for motivation to strike and THEN you'll get it together?  

 Motivation is not going to strike, so STOP waiting for it!  Just get started and guess, what? Momentum will kick in and help you finish the job.  When we look at the big picture, it's easy to get overwhelmed and stay stuck.  In these Saturday morning episodes, I lead you through one very small area of your home to declutter for just 5 minutes.  You won't pull everything out and make a bigger mess, you'll just handle a very small section at a time.  Week after week and little by little, your home will begin to feel lighter. You'll be able to freely open kitchen drawers and quickly find items.  Cleaning will become easier too because you won't be cleaning before you can actually clean.  5 minutes will make a difference! Set your prayer intention to unite your work with Him, pop in this podcast, and set your reward.  Let's get started

To work with me 1:1 or to schedule a 30 minute complimentary discovery call, please email me at: [email protected]

To watch this podcast on YouTube, click here: https://www.youtube.com/channel/UCyBOLMzUaXPRTy59xCxr76g

To follow me on Facebook and join in live chats and classes, click here: https://www.facebook.com/tightshipmama

If Instagram is your jam, here you go: https://www.instagram.com/tightshipmama/

Opening Bible Verse: 1 Corinthians 12:4-11

The Holy Spirit has given us each a gift to be used for the greater glory of God.  The trick to life is figuring out what it is and how we can use it.  As your child finishes up high school and starts to make big life decisions, it would be in their best interest to listen to the Holy Spirit.  

Pope Francis gave a homily where he talked about 3 ways to follow the Holy Spirit.  You can read about it here:

Pope Francis 3 Ways To Follow The Holy Spirit

In today's episode I tie in the Joyful Mysteries to these 3 ways.  The Annunciation, Mary received the Word (made flesh) into her womb. The Finding In The Temple, Mary gets to know the Word further.  She realizes that He is doing His Father's work and she had to ponder this in her heart.  Lastly, the Visitation, Mary physically carried the Word in her womb everywhere she went, including to visit her cousin, Elizabeth.

Before any decisions are made about post high school plans, take time to pray with your child about what they feel the Holy Spirit is calling them to do.  Then, have the courage to support them in that decision.

To work with me 1:1 or to schedule a 30 minute complimentary discovery call, please email me at: [email protected]

Is the clutter in your home so overwhelming you don't know where to begin? Or you do begin and quickly make a bigger mess, get frustrated and give up? Are you waiting for motivation to strike and THEN you'll get it together?  

 Motivation is not going to strike, so STOP waiting for it!  Just get started and guess, what? Momentum will kick in and help you finish the job.  When we look at the big picture, it's easy to get overwhelmed and stay stuck.  In these Saturday morning episodes, I lead you through one very small area of your home to declutter for just 5 minutes.  You won't pull everything out and make a bigger mess, you'll just handle a very small section at a time.  Week after week and little by little, your home will begin to feel lighter. You'll be able to freely open kitchen drawers and quickly find items.  Cleaning will become easier too because you won't be cleaning before you can actually clean.  5 minutes will make a difference! Set your prayer intention to unite your work with Him, pop in this podcast, and set your reward.  Let's get started

To work with me 1:1 or to schedule a 30 minute complimentary discovery call, please email me at: [email protected]

To watch this podcast on YouTube, click here: https://www.youtube.com/channel/UCyBOLMzUaXPRTy59xCxr76g

To follow me on Facebook and join in live chats and classes, click here: https://www.facebook.com/tightshipmama

If Instagram is your jam, here you go: https://www.instagram.com/tightshipmama/