Financial Fitness and Wellness | Blog - by SARA CHEVERE

6 Expenses To Consider Before Adopting A Pet

Most of us have considered adopting a pet at least once in our lifetime. The urge is natural since pets are adorable and make great companions. Pet owners are also less likely to feel lonely or stressed, and children responsible for pets often stay alert and healthy. 

Owning a pet seems appealing since it comes with significant advantages, but the decision to adopt one must not be made impulsively. One must be aware of the responsibilities and expenses of pet ownership to help you make the right choice for yourself and the animal you will possess. 

Before making the adoption, it is crucial to keep in mind all initial and potential expenses during the pet's life. According to the American Society for the Prevention of Cruelty to Animals (ASPCA), the average pet owner spends $235 a year in medical costs for a dog and $160 caring for a cat. Illness and accidents add to this amount significantly. Some estimates say you may end up spending seven times more than you expect to...

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'Tis the Season to Plan Christmas Gifts That Mean Something

The holiday season is here. 

All of us are in a shopping frenzy, getting that last minute booking and a special present before the season begins officially. This year, the meaning of getting gifts for our loved ones might have changed a bit. Many of us decided to shop online and avoided social contact as a result of the pandemic. 

On the bright side, holidays are still the same. We love shopping, whether in-store or online. 

Christmas is by far the most popular holiday in the US. And so, as expected, spending patterns and bills at this time of year around are usually quite noticeable for each household. The tradition of exchanging gifts is a warm gesture that improves family ties within family and friends. However, it can quickly turn into a financial burden if not planned ahead of time with a prudent approach. 

According to Investopedia, the average American is expected to spend $998 on gifts and holiday items in 2020, which is only $50 less than last year's...

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How Women in Network Marketing Can Scale Up Business in the Post-Pandemic Environment

The global economy has been in a bit of a tailspin ever since the novel coronavirus started spreading its tentacles around the world. Countless businesses have taken a hit. And while recovery efforts are in full swing as we approach the first anniversary of the emergence of COVID-19, it would be a while before everything is back to normal. 

However, some sectors are thriving in the current climate as well. The most obvious one being pharmaceuticals. Others include ed-tech, logistics, consumer goods, network marketing (MLM), etc. It’s this last segment that has grown a fair bit since the onset of the pandemic, particularly in the United States. 

COVID-19: A Blessing in Disguise for network marketers?

Worth more than $35 billion today, the network marketing industry is evolving quite rapidly. This is largely due to the Internet, social media, and online forums that brands now have access to wider audiences. Compared to the past when door-to-door sales used to be the...

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5 Ways Women Can Cope With Financial Stress Without Breaking Down

The novel coronavirus has affected the world in various ways. Other than the loss of life, the economic fallout of this pandemic has been no less devastating. So many businesses shut down; and many others that survived had to lay off a significant part of their workforce.

With countless people losing their jobs and having income streams dry up overnight, an imposing mental health challenge has emerged as well. In the United States alone, about 45% of the adult population has had its mental health negatively affected as a result of stress about COVID-19 and its financial implications. This is according to a survey conducted by the Kaiser Family Foundation back in March 2020.

The situation is no different for women. In fact, they’ve fared far worse in many ways. For instance, working women have faced greater layoffs compared to their male counterparts. According to data gathered by the National Women’s Law Center, about 61% of job cuts in retail alone were attributed to...

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Female Entrepreneurs: Prepare a Fallback Plan for an Economic Downturn

The year 2020 hasn’t been kind to a lot of us, and perhaps even that is an understatement. Reeling from the devastating impact of COVID-19, the world is trying hard to make a recovery. From a business standpoint, the effect of the pandemic has been somewhat varied. Different industries/groups have had to endure different types and levels of crises.

However, one group has had to bear the brunt of the economic catastrophe unleashed by the novel coronavirus. Female entrepreneurs (and working women in general) have been hit especially hard by the recession that gripped the world following Covid-19. Several women-owned businesses both at home and abroad couldn’t survive and needed to be shut.

Getting the Short End of the Stick

As per a recent US Chamber of Commerce survey, the ratio of female business leaders who ranked the overall health of their enterprise as “somewhat or very good” was 60% in January 2020. By July, this number had declined to 47%. During the...

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How The Pandemic Is Pushing Women To Take Charge of Their Own Finances

It’s probably been said a million times already, but I believe I need to say it again here at the outset. 

“The world might never be the same again thanks to 2020.”

The global spread of the coronavirus earlier in the year demonstrated just how uncertain life really is. Yes, death can meet anyone at any time whether or not there’s a pandemic in your area. But there’s a lot more you need to be prepared for. 

As the planet went into lockdown, we all became painfully aware of our vulnerabilities. The seemingly simple but crucial things can no longer be taken for granted. Going forward, alternative options to secure our futures will be needed to hedge against unexpected occurrences like COVID-19. This applies to all areas, especially health, money, power, or overall well-being. 

For working women, this means a whole lot of responsibility to tread carefully. We know that they have borne the brunt of the pandemic. If you can relate to this, now...

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Post-Pandemic Financial Recovery: 3 Money Management Tips to Jump Back on Track

All your life you have been told that finance is complex, and managing money is better handled by professional accountants or managers. That is as far from the truth as possible. 

Life can become a whole lot simpler when your finances are in order, and you can teach yourself to do it. A well sorted out financial plan cannot be stressed enough in the post-pandemic world where so many people are struggling to find decent work and having a hard time making ends meet.

Even if you didn’t lose your job this time around, living from paycheck to paycheck is tough anyway. In my career as a financial coach, I’ve met many people who fall into high-income brackets but still struggle to afford a life they truly desire.

If you’re in the same boat, then don’t stress over it. A lot of Americans have probably never had sound money management advice in their life. And when the pandemic struck, not many had a solid contingency or fallback plan. Very few people have side...

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7 Things You Need To Do To Achieve What You Want


We all want to achieve love, health, and wealth. And sometimes we ask ourselves why things are not working the way we want them to do. We pray to God; we ask the Universe and try many different things, but we still can't get what we want. 

I was one of those who felt frustrated because I was not achieving the results I wanted, and most importantly, no matter my efforts, it felt like everything and everyone was against me.  

However, by making a few changes and putting in practice certain rituals, I experienced firsthand that it is possible to achieve things that I always wanted, and I want to share them with you. 


Here are seven things that have worked for me, and I want to share them with you.

  1. Have a clear purpose of what you want and your why. If you don't have a good enough reason, a strong desire, and purpose, it will not work. 

  2. Please write down your goals and desires every day or read them out loud daily. This is very powerful, even if you...
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Why You Need To Rethink Life Insurance And What You Should Know About It

This year the Global Pandemic (COVID-19) has raised awareness about how uncertain life can be. We are no longer sure about how long we can count on things that made us so strong. Simple things such as the freedom to go out; our dependency on security infrastructures; the mere feeling that we were covered for life. 

In the most tragic cases and the most unexpected turn of events, we may even have to deal with the loss of a loved one. When the main breadwinner of the household is no longer around, you are forced to rethink your options in life.

According to LIMRA, almost 50% of Americans lack life insurance in the household or don't have enough coverage for contingencies. Statistics show 1 in 3 families have expressed their inability to afford a life without the support of the main wage earner. The pandemic has the potential to worsen this ratio as more and more people fall prey to employment losses and economic challenges. 


How can life insurance provide security and...

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What Entrepreneurs Do on Labor Day?

Are you excited for Labor Day?

Or any holiday for that matter?
Labor Day is one of the most common paid holidays in the US. At least 97% of the employers pay you for Labor Day and give it as a day off to their employees.
There are no Federal laws requiring an employer to give a paid holiday or give you extra compensation for this day.
For most people, Labor Day is a reason to take a “well-deserved” day off.

How can you make the most of this holiday?

If you are happy with your current circumstances, be my guest, enjoy your day.
But Labor Day is a great day to think about your side hustle, so you can stop being a Corporate Prisoner. This is a time where you can catch up with doing things that will help you get closer to freedom.

What entrepreneurs do on Labor Day?

  •  Reconnect with friends and let others know what they are up to these days.

  • Disconnect and show their friends the freedom they are experiencing, since they...
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