Welcome to my Financial Advisor blog!

by admin on May 31, 2011

Welcome to my financial blog website!  I’m Becky Johnson and a Dave Ramsey Certified Financial Counselor. If you want to win with money, you have landed at the right place.  Not only did I learn Dave Ramsey’s common sense financial principles, but I’m also a Certified Financial Planner(tm), Certified Divorce Financial Analyst, Certified Senior Advisor and Certified Estate Planner. If you have problems I’ve got answers. I’ve been in the financial services business since the 80′s.

In the past I’ve been compensated by product sales, commissions and then simply for my time. By far, my preference is to be paid purely as your advocate… as opposed to being compensated by what I might want to sell you now or in the future.

I love working interactively with people and find myself a student of the human behavior. Why do people handle money and life the way they do? You might think that it is all about math, but it isn’t. Our attitude, upbringing and belief system dictates most of it. But our belief system can often be a part of the problem. Sometimes we believe things that just aren’t true. This blog will address many different attitudes and belief systems. I’d love your feedback!

My gifting is in helping and encouraging people from many walks. I have also come to realize that people love to help people. So let me know if you have gifting you would like to share.

I’m making plans for lots of different topics on this blog.  One way would be on how to save or spend money wisely. My clients teach me many important lessons that I can share anonymously.  Choosing to cook BIG at home, you can save lots of money. The trouble is we have not been passing down that love of cooking. Coming from family of 13 forced me to develop the habit and I love it! There are deals out there to be gotten!  As both a financial and consumer advocate, I will share different ways you can approach all areas of life. I see things that work and things that don’t.  The financial world keeps changing and I will share the pitfalls and opportunities with you.

Stress affects peoples health…which in turn affects their finances. I have a special heart for those that feel beaten down with health issues. I happen to have fibromyalgia and I specifically understand the difficulties. (I’m winning that battle! A story for another day) Health is important and I will spend time reviewing interesting health related topics.

I’m beginning a program to make financial counseling more affordable. This is to be able to help more financially distressed people. Let me know if you would be interested in this. Commitment levels must be very high. I definitely use common sense proven solutions.

Welcome aboard as I share in the Journey to Financial Peace.

I’d love to hear from you with ways you have learned to do life better.

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Gifts for Grandparents

by admin on June 24, 2011

Gift Giving

There came a point when my Mother-in-law, “Margran” found it difficult continue her Christmas card tradition. She had always sent Christmas cards along with a Christmas message to hundreds of family and friends. When she began to need help, she was very appreciative when I took over those beloved projects. This became my Christmas gift to her!

The first year was definitely the most intensive as the Christmas names and addresses were placed into a database.  Annually we determined who had moved or passed away and updated the database.  Mailing labels were printed for all of the names. Sadly, the number of names dropped from easily 200 when I first started to less than 30 names over the years.  Margran is now almost 93 and has outlived most of her friends. This becomes a sobering reality.

Margran also sent a Christmas letter that reviewed the highlights of past year for her and Grandad. (now just her)  The letter creation was becoming more and more difficult.  So this “secretarial” task got added to my gift to her.  Around Thanksgiving time we would get together to create the letter. We reminisced about the year, her friends and those that made life easier in her later years. (especially those from Gateway Presbyterian Church)  We chose special Christmas stationary and framed the wording just so.

So the gift morphed into a full package.  1. Creating and updating the database,  2. Spending time creating the Christmas letter,  3. Shopping for cards, stationary and stamps,  4. Printing labels and applying them,  5. Applying postage and hand-carrying(yes) them to the post office.

The cost-conscience side of me had me shopping the after-Christmas stationary BARGAINS for the next year!  This gift does take time, but not a lot of money.  As you see your Grandparents begin to age, you might slowly step into the process…or perhaps the grandkids could develop a special relationship spending with their grandparents in this way.  It really can be fun for everyone. It is all about the attitude that is brought into the process. Quality time is spend together creating memories that can’t be replaced.

Do you have stories and/or ideas for gifts for Grandparents?  I’d love to hear from you!

Photo Credit: ma che

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IRS Mileage Rates for 2011 changes Midyear

June 23, 2011

Mileage Rate Changes Purpose Rates 1/1 through 6/30/11    Rates 7/1 through 12/31/11  Business 51 55.5   Medical/Moving 19 23.5 Charitable 14 14   Contact me if you need help understanding how these changes affect you. January 1, 2011 until June 30, 2011 the IRS standard mileage rates for the use of a car (also [...]

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Yellow Pages vs Yellow Book

June 15, 2011

We are marketed to all the time. We also know we should read and understand the fine print.  This time I didn’t read the small print and definitely fell for this one.   I “trusted” the walking fingers logo on the Yellow Pages ad thinking it was our local Yellow Book.  This was 7+ years [...]

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Gift Giving in a Recession

June 8, 2011

Gift giving is often a topic of conversation in my financial coaching sessions.  How do you decide how much your family should spend on gifts?  The amount spent on gifts varies from next to nothing to easily over $6,000 a year. I continue to find it amazing the different attitudes toward gift giving.   When financial [...]

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