Early Voting

February 17, 2016 — Leave a comment

Early Voting is now underway here in North Texas. As we work to get our careers and personal finance going in better and better directions, taking part in the elections and primaries as a part of early voting is an excellent habit.

Why vote?

Early voting implies Continue Reading…

School as an Adult

December 2, 2015 — Leave a comment



Are you considering going back for a degree, certificate, training or some other form of formal program of school as an adult? So was Coach Julia in the fall of 2013. Continue Reading…

MBA Journey

November 23, 2015 — Leave a comment

It’s been a while since I updated this blog as I complete my MBA. I would love to hear from you this Thanksgiving week about how YOU celebrate big goals (see below).

FinishLinesTo my frequent readers, my apologies that I prioritized client meetings and graduate school work (the whole MBA journey) ahead of updating this blog.

To my financial coaching and career coaching clients in this past 18 months, WOW! You are amazing and willing to do what it takes to put your households ahead of “average” here in the States. It has been my honor and privilege to walk alongside you as you hone and launch your income and outgo progress.

I absolutely adored getting my Master’s of Business Administration (MBA) from Tarleton State University. There were so many fine people who contributed to the richness of my MBA experience. You will hear more about that in the days to come here on this blog. Today’s post is about crossing a finish line. Accomplishing a milestone.

How am I celebrating this MBA milestone you ask?

I am celebrating in a variety of ways, all paid for in cash of course. One of the more frivolous ways I am celebrating is by watching the James Bond movies from 1962 forward to the latest, Spectre, in order to make my own decision about who played the best Bond. I have used WorldCat (an MBA treasure) to find most all of the DVDs at one or more local DFW library. The remaining two movies that exceed a “regular” commute, I will rent thru an online video streaming service.

Celebration Budget for this MBA Completion will be as follows:

Fuel for the vehicle to go pick up reserved movies*                $5.00
Rental fees with applicable taxes for online video streaming   $6.50
Use of already paid for home internet                                    Free
Cleaning out graduate school files as I watch the movies        Free
Gourmet popcorn for the home Bond Marathon                     $5.00

Being able to debate “Who plays the best Bond? Connery vs. Lazenby vs. Moore vs. Dalton vs. Brosnan vs. Craig” with my friends who love movies even more than I? Priceless

Grand total: Less than a $20 bill. The remaining money will be spent watching Spectre at a local bargain movie theater during a matinee showing.

So, lots of fun and interaction with friends planned for a minimum of cash outlay (spending). How are YOU celebrating the milestones in your life?

I know you have great ideas. Email your best ideas to julia@promisesfc.com or give a shout out on our Facebook page or Twitter feed and I will send you my 10 favorite “Milestone Celebration” ideas in a free report as we set of for financial success in the 2016 calendar year.


*The library lending limits will allow me to do one “pick up” round and one “drop off” round as I loop DFW and other North Texas counties between appointments.

Command or Cop-out

July 24, 2014 — 359 Comments

If you are in command of your financial situation, you have a written plan, with goals broken down into objectives and timelines, and you communicate your plan to your loved ones. Continue Reading…


July 3, 2014 — 336 Comments

USflagThe colors of the US flag never fail to inspire. Were you aware that the colors stand for character qualities? Every time you see the colors fly consider: Continue Reading…

Breaking Bad

June 26, 2014 — 328 Comments

Have you ever wondered what a life spent chasing money looks like? Watch “Breaking Bad” and you will quickly get an idea of the damage you do to yourself and to others if you choose money above other more valuable items such as reputation, relationships and impact on others.

Continue Reading…

Lunch Money

April 7, 2014 — 367 Comments



We have talked about helping little ones learn about money (links below). What about helping your upper elementary and junior high age child think about his/her lunch money habits? Whether the money is pre-loaded to your child’s account, or your child packs a lunch every day, or your child takes cash every day, his/her lunch money habits are a great learning opportunity and practice lab for future money management habits. Considering that groceries for your family and fuel for your vehicle are the two largest variable amounts in your household’s budget, helping your child see the cost and value of lunch money has the potential to be extremely
helpful to your child’s success with money as an adult. Continue Reading…

Bankruptcy Basics

March 17, 2014 — 389 Comments
Frequently when a person contacts Coach Julia about Financial Coaching, bankruptcy is mentioned. Do you know the Bankruptcy Basics?
Listen in on this very quick overview of what filing Bankruptcy will get you, and what it will not. Better tools build better buildings. Contact Coach Julia today to get your free initial consultation scheduled.



February 27, 2014 — 387 Comments

We live in an amazing country based on the ideal that the government is of the people, by the people and for the people. If you don’t vote, you have cut off that process. To vote is a privilege to be exercised whether for local, state or federal elections. We vote every day with our dollars, attention and time. Why would we not cast a ballot and vote for those who will lead during the next term? Continue Reading…

Be The Light

February 20, 2014 — 205 Comments

Every day we have a choice: Be the light or Be ‘normal’

What ignites your indignation? Use that ignition to energize you to do something. Creating a fire that warms and calls to others. Matt Chandler
What do you do with that? Create glowing purple cows that invite people to ask questions, to revel in their weirdness and to ship their art. Seth Godin
Why do you care? Create that golden circle and radiate the light and blessings you’ve been given from your “why” to your “how” and “who” Simon Sinek
How do you guard your heart? Inside a perimeter of fire, we guard our passions so that our lives stay vibrant and powerful (not dull and cold) Michael Hyatt
What are your best skills/talents? Your skills and strengths only strengthen and purify in the heat of life, in the crucible of decision-making. Deb Ingino
Who do you turn to for encouragement? When you get stuck between a rock and a hard place, and sparks fly, reflect the light of God Promises Financial Coaching

If you and I have money to handle our own needs and share with others, you and I have lit their lives.

If you and I know our strengths, we will know who to team up with to balance complimentary strengths. Then you and I have shined light on large groups of people directly and indirectly.

If you and I keep that spark of encouragement and hope, we will be invited to shine all the more brightly. As an example of wise money management. As leaders in our families. As radical service providers in our careers. When we get our money under control, we turn the mirror of our lives to reflect God’s light outward to others, rather than gathering the light to ourselves and for ourselves alone. Shine, my friends