Coronavirus outbreak. What do you feel when you hear those two words? Are you freaking out? Stocking up on supplies? Or, are you just not sure what to think?

I’ll tell you that for me, I feel like I’ve just stepped into the Twilight Zone!

I look around and see that store shelves are empty. Schools are closed. Public events are canceled. Airports and commuter trains are bare. People are hoarding toilet paper. And fights are breaking out over hand sanitizer. 😳Huh!

Now, if that doesn’t sound like something out of a Zombie Apocalypse movie, I don’t know what does.

I know how you’re feeling right now!

You’re a mom in debt.

And you feel like you’re dangling off the side of a cliff with one hand?

You know that at any moment, you could lose your grip and plunge straight into a financial crisis.

What’s even worse, is that you’ve tried several things to pull yourself up!

  • You’ve created a budget.
  • You’re tracking your expenses.
  • You’ve even cut out cable. Switched to a more affordable cell phone plan. And, cut back on eating out!

But still…it’s not enough!

Especially when you have car payments, credit cards, student loans, childcare…

You know it’s just a matter of time before it happens, right?

It’s like your car breaks down right at the exact same time that your hot water heater decides to call it quits.

And then, the next thing you know, you’ve got this major toothache sending shock waves through your brain with each throbbing beat. Now you need to see a dentist immediately!

But you’re already barely scraping by financially as it is. And you have no idea how you’re going to cover the cost of any one of those catastrophes. Not to mention, all three!


Budget! Budget! Budget! Do you ever get sick of hearing the “B” word?

I know I sure did.

It’s always…budget for this and budget for that. Enough already! I was tired of hearing about a freakin’ budget.

The truth is, I’ve tried to create budgets in the past. And do you know what happened? They left me thinking the same thing that lots of people think, that:

  • Budgets Suck!
  • They don’t work!
  • AND, they’re too time-consuming!

At one point, whenever I heard the word budget, I would immediately dismiss it and start looking for something else.

The problem is, that…

Photo by Suzy Hazelwood on Pexels

Here’s an intriguing parable from Alice in Wonderland:

One day Alice came to a fork in the road and saw a Cheshire cat in a tree:

Alice: Which road do I take?

Cheshire Cat: Where do you want to go?

Alice: I don’t know!

Cheshire Cat: Then it doesn’t matter!

If you don’t know where you are going, any road will take you there! — Cheshire Cat from Alice in Wonderland, Lewis Carroll

Now, do you ever wonder why you have trouble accomplishing your goals?

As you can see, what Alice was lacking was…direction!

And without a concrete plan, your goals have no direction either! …

Photo by Pictures of Money on flickr

Aren’t you tired of being broke all the time?

And feeling like you’re in a never-ending battle to hang onto your money? Don’t you wish you could keep more of your paycheck in your pocket?

And are you baffled at how quickly your money seems to disappear? And often left wondering, where does it all go anyway? Why is it never enough? And how you can stop bleeding cash?

You’ve probably heard the advice a million times. That the way to save money is to create a budget, cut your expenses, and only buy the necessities…blah, blah, blah!

That’s all…

Photo by Ken Teegardin on flickr

Nerve-racking isn’t it?

That distressed feeling that your finances have spiraled out of control.

I’ve been there!

At one point, I began to dread checking my mailbox because I knew what was coming.

Bills, bills, and more bills, Ugh!

Later I would find myself sitting tensely for several minutes. And staring at the dizzying pile of bad news.

Not surprisingly, I was afraid to open any of them. Because each one represented a demand for money. Which of course, I did not have!

Or at least, not enough to cover them all. So, I stared. And contemplated my predicament.


DeShena Woodard

My writing takes a storytelling approach into the mindset of personal finance. Helping people to overcome obstacles and earn more, save more, and stress less.

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