Tuesday, January 13, 2009

FREE $100 and SUZE ORMAN BOOK


Suze Orman, the financial expert, author and motivational expert, recently appeared on Oprah to help kick off Oprah’s 2009, "Live Your Best Life" segments. Of course she had much to say to the audience on how to take control of their finances during the recession and economic hardships that we are facing globally. In brief she has a 5-Step plan to help people:


Step 1: Pay Off Your Credit Card Debt (I have created a worksheet to eliminate ALL credit card and old debt by year’s end)
Step 2: Raise Your FICO Score (I enrolled in Bank of America Privacy Assist)
Step 3: Create a Spending Action Plan (I created a budget that will be reviewed every 90 days for updated/changes)
Step 4: Create a Savings Action Plan (Included with the budget and broken down into several categories)
Step 5: Create a Retirement Action Plan (I have a 401K but I need to review my fund allocations)


The two best things about her appearance on the show were the free book and free money offers. Suze’s latest book,“Suze Orman’s 2009 Action Plan” is being offered for free on The Oprah Winfrey Show website. The second FREE offer is from Suze’s “SAVE Yourself” partnership with TD Ameritrade. All you have to do is open a savings account with TD Ameritrade and commit to saving $100.00 a month for 12 consecutive months via automatic withdrawals. On the 13th month they will deposit $100.00 into your savings account. As a bonus you will also get FREE online access to another one of Suze’s books, “Women & Money".


So here’s what you get...a free $100.00 deposit and two free books. You can’t beat that with a stick!!


I opened my savings account in early 2008 when she initially began promoting the Save Yourself program. I printed my copy of the new book today, what are you waiting on?? IT’S FREE!!


Subscribe in a reader



Monday, January 12, 2009

SOUTHERN GIRL CHARM

2009 THEME: CHANGE MY IMAGE....CHANGE MY LIFE

The holidays are officially over and most of us have settled into the New Year. Well, I’m off to a bit of a late start cause we’re already into the second week of 2009. But don’t get me wrong, I didn't sleep through the holidays and these last few weeks. I actually enjoyed myself and had a wonderful time. (Kisses to MACK for my Michael Kors watch. I absolutely LUV it.) For the first time, in my adult life I helped Krisla, (my baby sister), cook for Christmas. Well, really I just helped to clean and chop up mustard greens. But for me that was progress. Anyway, after ringing in the New Year watching Frankie Beverly and Maze perform LIVE in New Orleans, (I’ve lost count of how many times I’ve seen the band in concert but NEVER on New Year’s Eve), I’ve decided to begin taking stock of my current self, my placement in life and where I want to be. Have I really been true to Chandra, and if not, why not and what do I need to do to get there. I guess this was my own personal self-assessment. I wanted to strip all areas down to the core to see if I was really being true and authentic with myself. For the most part I am. I make sure that my happiness and spiritual well-being is a priority. If I’ve discovered nothing else from all the years of watching Oprah on TV is that we have to take time for ourselves to recharge and rejuvenate or we will be helpless to spouses, partners, children, family, and jobs that look to us for support and sustenance.

So last year I started going down this path by enrolling in Kaplan University’s C.F.P. (Certified Financial Planner) Program. My ultimate goal is to become a financial advisor. I want to teach low and middle income individuals, single parents, etc. how to become financial prosperous through good financial planning, money management and wealth building. But I will get more into that subject later.

Now don’t get me wrong. I have no self-esteem issues. (Of course just about every female wants to shed a few pounds). Ask anyone who knows me, (friends and family please feel free to comment), I definitely do LOVE myself, but I strongly believe there is room for improvement. And when I say improvement, I mean allowing the real “me” to ultimately shine through. And that would be the female that I feel that is inside of me waiting to spread her colorful wings.
Initially, I broke down and divided everything into separate categories. I ended up with five categories (Spiritual, Physical, Financial, Educational/Professional, and Personal). I asked myself a few basic questions about what I did in the past year, how I truly want to live my life, what I needed to do in 2009 to get me to where I wanted to be in life and would it ultimately make me a happier and a better person. Also I thought about what I want to contribute to the world as a person & Child of God and what type of legacy I would leave when I’m gone from this earth. Most of these questions I have picked up from years of reading different self-help books. There’s no scientific data or research behind any of these questions. Their just simple questions I wrote down and answered for myself. Now I did get a bit of help from Dr. Oz’s book, “You – Being Beautiful … The Owner’s Manual to Inner and Outer Beauty”, as well as Chris Guillebeau @ The Art of Non-Conformity, and Fabulous Financials. Not to mention I’ve been a fan of Franklin Covey’s Time Management system for years. (Sssshh..I’m also a Certified Facilitator but again that’s another topic for later discussion.)


Now please don’t think of this as another hum-drum standard rendition of New Year’s Resolutions. It’s not that at all. I am making a concentrated effort to extra time to outline and create a road map to Destination: “ME”.


After I was able to list my annual goals I used a spreadsheet that I downloaded from The Art of Non-Conformity. I then customized it a bit so that I could have a tab dedicated to every month that allows me to outline in detail every action item that needs completion by month’s end. This will allow me to break up each goal into smaller, more manageable portions a well as monitor my own progress and make any modifications if necessary.


Why am I writing all this you may be asking? Sometimes when we lay it all on the table and expose ourselves we become more accountable for our actions. I do acknowledge I will be setting myself up for exposure to criticism, but I’ve also realized some people will ALWAYS have something negative to say. I can’t stop them, but I also don’t have to let them stop me.

I realize that because this is a work in progress it is going to have to take a well thought out documented plan of attack. So along with my Excel spreadsheet, I’m adding additional resources and online tools to help me. They range from an online goal tracker, online wish list, as well as a online debt and savings tracker. I will definitely have links and charts for these in the upcoming days.


So please continue to follow my progress throughout the year. I’m sure there will be good days and bad days. Ups and down, but at the end there will be “ME”. My official theme is, "Change My Image, Change My Life". I'm talking a complete inner and outer overhaul people!!


Do you have any goals, plans or room for improvement this year? If so, let me know. It just may generate a spark in someone else!

Subscribe in a reader





Tuesday, November 25, 2008

Southern Girl Charm

Subscribe in a reader

Although I absolutely love Beyonce's lastest video for "Single Ladies", I can't help but rollover laughing when I see the spoof from Saturday Night Live with her and Justin Timberlake. This will definitely tickle your funnybone.



I've also included Beyonce's real Single Ladies (Put a Ring On It) video...





Tuesday, August 28, 2007

MY OBSESSIONS

I have a serious obsession with rhinestones and leopard. Just ask any of my family, friends, or coworkers. I gravitate towards it like a magnet and truly believe that it’s a color and not a print and should be included in Crayola’s Box of Colors. Maybe it’s the alter ego…whatever it is, I absolutely love and adore them both. Here are some of my favorite rhinestone and leopard finds.


Hello Kitty Twinkle Watch
Just the touch to add a little feminity and fun to weekend wear. This cute Hello Kitty watch is adorned with rhinestones and a genuine mother-of-pearl inlay on the dial. For the girlie girl in all of us grown women. Avon carries an exclusive line of Hello Kitty jewelry and accesories.
Rhinestone Dominos
These were actually a Christmas gift from my coworker last year. (Thanks Tracie!) I simply adore them. Althought mine were purchased from ZGallerie.com, the pair pictured, come from Toss Designs. Makes a great conversation piece. and are quite affordable.




Rhinestone License Plate
I’ve ordered a pair for my Black MB as a birthday gift to myself. Can I be anymore over the top!! L2bwomen carries Austrian Swarvoski license plate holders as well as Euro Crystals. Check with your state to see if they are legal.




Leopard Apron
This is a great apron to have when hostessing a get-together with friends or family. It has two front pockets and mine has a rhinestone brooch. I also use it when I host Avon-Tini parties. Plus Splitpursenality has tons of other cute items.

Leopard Stilletto’s
Every girl should have a pair for her alter ego. Beyonce’ calls her Sasha when she’s on stage. Everyone just calls me DIVA. HOLLA!! This pair is from Steve Madden, who has an array of leopard shoes online.



KLS Leopard Skirt
This is on my wish list for my birthday. Its from the KLS (Kimora Lee Simmons) Collection. It's 100% silk so I think that justifies the price tag. ($172.00) The cut of the skirt makes it timeless and will transcend across many seasons.


Monday, August 27, 2007

FASHION WITH A CAUSE!!

There are so many ways to give back to society and worthwhile causes while still maintaining your sense of style. Many organizations give a percentage of the purchase price of the product you buy to aide in their cause. From breast cancer reasearch, domestive violence, HIV and AIDS in Africa. Here's a few of my favorites....






















1. Avon Walk for Breast Cancer Zip Hoodie...60% of the purchase price ($45.00), is donated to the Avon Foundation Breast Cancer Crusade.





















2. Avon Walk for Breast Cancer Fleece Pants...66% of the purchase price ($35.00) is donated to the Avon Foundation Breast Cancer Crusade.




























3. Viva Glam Lipstick...100% of the proceeds raised goes to MAC AIDS Fund to support the fight against HIV/AIDS.
















4. IPOD (Product) Red...$10.00 from the purhase price of this IPOD ($199.00) goes to the Global Fund, to help fight HIV/AIDS in Africa.


Thursday, July 26, 2007

A Charming World

Welcome to my world!! A Sourthern Girl's Charm.

Although I was born and raised in The Great Lone Star State of Texas, my roots and childhood summers are back in Louisiana. From my sister's creole cuisine (her gumbo is divine) to my love for zydeco music, horses and all things Southern. My personality of course is as big as TEXAS.

My inspiration comes from beautiful surroundings, my spiritual connection, financial security, a positive attitude, physical health and much laughter. Of course all of this is a work in progress. But aren't we all anyway.

I'm also a Leadership Representative for Avon. I thoroughly enjoy my Avon business and the mini-empire that I'm building within Avon. I'm not only building my own success story but I'm mentoring others to build their own success stories and reach their goals. So it's a win win plan for all.