Reward Yourself – Fuel Rewards

As competition among retailers becomes more and more intense, it makes sense to maximize the rewards that they offer us as consumers. While not new, fuel rewards are an expanding area to review if you are not already taking advantage of them.

My husband and kids have long taken advantage of the Kroger fuel rewards program (until recently, I had an electric car). By using your Kroger Plus card (which you should definitely use if you shop at Kroger!), you can get cents off gas purchases at Kroger fuel centers as well as at Shell stations. My near-adult children who pay for their own gas race each other to the fuel center after dad’s weekly grocery shopping trip to snag the discount!

According to the Penny Hoarder website, there are many grocery stores across the country that offer similar programs. Check their article, 21 Grocery Stores That Help You Save Money on Gas, for information and to find out the best deals for your situation.

The newest member of the “extended” fuel rewards program is Shell. Not only do they have a traditional rewards program (buy more, be tracked, save more), but they have moved to a “Upromise-esque” model where you can link credit cards for additional points, go to your account on their website and “click through” for online shopping, travel, and dining. (I have long touted the benefits of Upromise if you have kids and are saving for tuition or paying Sallie Mae student loans.) Of course, you get extra points for referring people, taking advantage of special offers, etc. If Shell is your station of choice, sign up for their rewards program and maximize your discounts. Go to: https://www.fuelrewards.com/GOLD

Time or money? Yes, it takes time to sign up, learn the program, and try to consistently follow the rules to maximize points and rewards, but the spoils go to those who do it. If you drive a lot, that means you spend a lot on gas and cents per gallon discounts can add up to real money over time.

To your financial success (and rewards!),

Tana

 

Disclaimer: The views expressed herein are the personal views of Tana Gildea and are not to be construed as individual advice or the advice or opinions of Homrich Berg. They should not be considered recommendations as each person’s financial situation is unique to her; recommendations may or may not apply to your situation. If you believe that something communicated may be relevant to your situation, Tana strongly encourages you to consult with your individual tax or financial advisor prior to acting so that the totality of your unique situation is considered.

Navigating Life’s Transitions

Are You Going Through a Difficult or Demanding Transition?

Join Working on Your Now and Women in Business to develop your plan of action to clarify conflicts and identify priorities.  During this luncheon you will:

  • Learn to shift your focus from struggle to ease
  • Recharge and learn to leverage your skills
  • Create a new transition strategy
  • Gain a clearer perspective and obtain a sense of peace

 

Facilitators

 

Lori Beard-Daily
Chief Now Officer, Working On Your Now

Kathryn Sabol
Entrepreneur and Business Coach
Kathryn Sabol Coaching

 

 

Commerce Club

Date: Wednesday, July 25

Time: 11:30-1:00pm

Cost:

$15 (plus tax and tip) Commerce Club Members

 $25 (plus tax and tip)  Guests

                                                                                 Payments will be taken at the luncheon

RSVP to info@workingonyournow.com and put reservations in the subject line. Space is limited.  Hope to see you there! 

 

 

Patience Without Judgement

As I sat in the hospital lobby, I looked around and noticed that there were some people who were sleeping, some were working on their computer while others were talking on their phone. There was also a woman who was incessantly talking to her adult son while showing him pictures on her cell phone (which he clearly could have cared less about).

Even though everyone was doing a different activity, there was one thing we shared in common. Patience. No matter how long it took for us to wait on the patient we were there to see, we were all in accord with doing whatever we needed to do to bide our time, wait on our person, and remain patient.

How many times have you ever been out of sync with others who had the same cause but went about doing activities that were different from yours? Did they go about the project differently by doing something that you may not have been in agreement with, but in the end they got the job done? Were you patient during the process or were you a disruptor who always had an objection and always wanted things done your way?

We have all experienced the thinking that our way is the better way. When I was at the hospital that day waiting in the lobby, I was thinking that I would never stretch out on a couch and take up all the space so that I could sleep.  I would never have been on the phone to the point where everyone in the waiting room could hear my conversation, nor would I continue to talk about pictures on my phone to one of my kids who had no interest. But, here lies the difference between what I do as compared to what others do.

What I do to remain calm, serene and keep busy is right for me. I choose to be quiet.  I might watch the TV that is playing in the room.  If I need to make a call, I will step outside. I don’t want to disturb others nor allow them to be privy to my phone conversation. I will work on my computer, but I will not take up several outlets to charge up all my electronic devices as I’ve seen others do. I am thoughtful, or at least I think I am. Even though I don’t necessarily agree with other peoples methods of how they spend their time in a hospital, I understand that in the end, we are all there for the same goal.

So, think about this: The next time,  you feel yourself becoming quick to judge before having all of the facts, consider doing like I did in that hospital lobby. Sit. Wait. Observe and be patient. Let the person go through the process the same way you are assessing the situation in your head.

Remember, patience is an art.  We may not all be Picasso’s but we all have the skills to start practicing the art of patience without being quick to judge.

It’s Half-Time

Just like that, in what seems the blink of eye, 2018 is half over. We’ve hit halftime of our year and like any good football fan knows, halftime can make or break the game. There are those teams who can come together at halftime, assess what has worked, what has not worked, and make just the right adjustments to close out the game with a win. The big question for each of us: can we assess what is working in our financial lives and what is not? Of course, we can so the real question is will we? We each have to make the choice to come into honesty, invest the time to reflect, to confirm our feelings by looking at the numbers, and to chart a course to get us moving toward our goals.

Ask yourself:

  1. Am I meeting my savings goals?
    1. If not, what is one thing that I can do now to move myself toward my goal?
    2. If I am, can I inch up my goal a bit?
      1. Can I increase my 401k savings by 1%?
      2. Can I increase my monthly transfer to savings by $25/50/100?
    3. Is my debt situation better or worse than on January 1?
      1. If it is better, what is one thing that I can do to speed up the rate of debt reduction? Can I add $25/50/100 to my planned payment?
      2. If it is worse, what is one thing I can do to refocus on my goal of reducing debt?
    4. Is my insurance correct for my situation?
      1. Have I reviewed my home/auto/umbrella to make sure it is appropriate, and I am paying the least amount possible?
      2. Is my life insurance (and my spouse’s) enough to meet the needs if one of us dies prematurely? Do I know when the terms end on my term policies and have I planned to replace it? Are my beneficiaries correct?
      3. Is it time to investigate long-term care insurance?
      4. Is my disability coverage appropriate?
    5. Are my estate documents up-to-date and accurate?
      1. Wills
      2. Financial Power of Attorney
      3. Medical directive/Health Care Power of Attorney
      4. HIPAA privacy release

2018 is half over. AND there is still time for you to meet your goals. Getting yourself on track is a gift to your January 1 self. Think about her and what she needs. Think about how proud she will be if she can answer these questions positively on January 1st. If you want your life to change, your actions must change. It’s halftime. It’s time to make things happen.

To your financial (and 2nd half) success,

Tana

 

Disclaimer: The views expressed herein are the personal views of Tana Gildea and are not to be construed as individual advice or as the advice or opinions of Homrich Berg; They should not be considered recommendations as each person’s financial situation is unique to her; they may or may not apply to your situation. If you believe that something communicated may be relevant to your situation, Tana strongly encourages you to consult with your individual tax or financial advisor prior to taking action so that the totality of your unique situation is considered.

Summer Breakthrough Sessions

TWO Summer Breakthrough Sessions:

Join Chief Now Officer, Lori Beard-Daily on how you can take actionable steps to:

  • Work on your own self-evaluation and map out a realistic plan of action.
  • Accomplish your priorities that never make it to the forefront
  • Stretch you beyond the limitations that are preventing your acceleration of your true potential
  • Limit your excuses that are holding you back
  • Guide you on how to reach your personal and professional goals.

Here’s what’s included:

  • An editable PDF version of the workbook, Working on Your Now
  • Weekly homework assignments
  • Accountability partnerships
  • Live Online Classes
  • Access to the closed member Facebook group (optional)
  • A 60 – day action plan
  • Unlimited email support
  • Interaction with engaging and like-minded women who want to support each other with their Summer Breakthrough!

Added Bonus:

45-minute one-on-one coaching session for the first 2 (two) people that sign up (valued at $175.00)

Once you’ve completed this 6-week course you will walk away with a plan and a process that will move you to your next level of Working on Your Now!

Price: $497

Session Length: 1 hour

Time: 7:00 p.m. to 8:00 p.m. (Eastern Time)

Two Session Options:

Session 1 meets on Wednesdays (limited to 6 spots)
June 20, 27, (no session July 4 week) Jul 11, July 18, July 25, Aug.1

Session 2 meets on Thursdays (limited to 6 spots)
June 21, June 28, (no session July 4 week) July 12, July 19, July 26, Aug. 2

I’m Glad I Can Cry

“I’m so glad that I can cry in front of my advisor,” a client told me recently. Of course, you can cry! Laugh, rage, pound the table if you want. Her need to shed a few tears had nothing really to do with the dollars and cents; it was the knowledge that her and her husband’s lifetime of saving had provided enough that could help their child who was struggling without unhinging their own goals and dreams for themselves.

Money touches everything in our world – you are sick – money helps; it might not cure you, but it can buy a lot of treatments and specialists and care-givers. Your child is in trouble – money helps for treatments or legal fees or therapists. Your parents are struggling to cover their costs – money helps to buy care-givers and drivers and deliveries. You lose your job – money helps cover your costs until you can land the next job. Have a great passion? Money helps to fund it or develop it or further it.

Everyone knows this; it’s why our whole society is built on the pursuit of the mighty dollar. But when you really stop to look at the list of those items, items that stir up a lot of emotion, items that can move you to tears or fire you up or drive you into action, nowhere is there any of the stuff that we throw in our shopping carts or “one-click” to buy. Yet, so many people give up saving so that they can have the latest this or that or the other thing that will end up at the bottom of a drawer or in a give-away pile or a trash can in no time. I look at my throw-away’s, give-away’s, and “what do I do this” pile and I do want to cry but for a totally different reason!

Are we putting our money toward the really emotional aspects of our lives? Those things that bring tears to our eyes, inspire our most creative selves, change the world, or change our perspectives of it? Are we tapping into the hard-wired emotion of money to get us where we want to be instead of just giving us more of what we already have too much of?

Take a hard look at where your dollars are going and rate the emotional impact those dollars have on your life, your future, and your world. If your “emotional impact” score is not where you want it to be, shift $1 toward something meaningful and significant today. Keep doing that until your dollars inspire you.

To your financial (and emotional) success,

Tana

Disclaimer: The views expressed herein are the personal views of Tana Gildea and are not to be construed as individual advice or as the advice or opinions of Homrich Berg; They should not be considered recommendations as each person’s financial situation is unique to her; they may or may not apply to your situation. If you believe that something communicated may be relevant to your situation, Tana strongly encourages you to consult with your individual tax or financial advisor prior to taking action so that the totality of your unique situation is considered.

Kickstart Your Breakthrough! KICKOFF

6 Week Program

     Week One: Setting Your Goals + Vision
     Week Two: Life Purpose + Core Values
     Week Three: Turn Liabilities into Asset
     Week Four: Find + Recognize Your IT (Intuitive Talent)
     Week Five: Next Steps+ Prepare to Launch
     Week Six: Dream Creation: How to Manifest + Bring Your Vision to Life

What’s Included

  • 6 hours of virtual group coaching sessions with Lori + Kathryn ( 1 hour weekly sessions)
  • A supportive member only Facebook group
  • Inspiration and guidance in between sessions to keep you on track
  • Connection + networking with other members of the group
  • Unlimited online support from Kathryn + Lori
  • A customized 60-day action plan
  • Practical steps and weekly take-aways to put your plan into action
  • A FUN and dynamic group of like minded women ready to …

Dates

We are kicking off on Tuesday, June 12, 2018

Virtual Zoom meetings are every Tuesday at 7pm for six weeks (we will skip the week of the 4th of July)

Dates are June 12th, 19th, 26th,+ July 10th, 17th, 24th

Georgia Power Employee Lunch & Learn

Working on Your Now’s Chief Now Officer, Lori Beard-Daily, will be giving valuable tips to Georgia Power employees on how to Reboot and Invest in themselves! 

Lunch n’ Learn – Get a Meaningful Seat at the Table

Working on Your Now and Women and Business Present:

Having a Meaningful Seat at the Table

We all have heard the expression, “Women want a seat at the table.” However, when women get their seat they need an impactful voice to go with it!

Join Chandra Russell, a certified Professional Coach and Career Coach who has extensive experience as a Life, Leadership and Career Coach/Strategist and as a Professional Development Facilitator. She partners with Fortune 500 companies, small businesses and individuals to deliver targeted programs that focus on managing change, resume development, job-search strategies, and developing dynamic networking, interviewing, and salary negotiation skills. Ms. Russell is instrumental in motivating, empowering and preparing her clients, who are in an involuntary or voluntary career transition, for success in all stages of their job search as well as those who have decided to become entrepreneurs. Her passion for transition coaching and training developed when she was a Human Resources executive for AT&T who oversaw the company’s national force management/downsizing process.

Chandra will be giving strategies on how to:

1. Add value to your seat at the table

2. Navigate through career politics

3. Assemble your “personal” board of directors

4. Speak up and engage people to listen

When: Wednesday, May 30, 2018

Time: 11:30-1:00 p.m.

RSVP: Please call 404-222-0191 to confirm your RSVP. Lunch will be served.

Commerce Club members — $15; Non Commerce Club members – $25

Dress Code: Business Casual. Parking in 191 building is validated.

Perfecting the Imposter

I love watching videos on social media. The problem is that when I watch them I always say I’m going to only watch one and then I end up getting pulled into another one. The next thing I know 30 minutes have elapsed and I have watched not one — but 10 videos!

One of the things that I love about watching videos is that people will do so many random things. I’ve seen it all from people bungy jumping through a forest to skateboarding across a fleet of cars to bike racing barely clothed.

But as freeing as some people may be, I have yet to master the art of feeling free in front of a camera. I am one of those women who have not yet elevated herself to the “make-up free” zone. Nor have I moved up to the Beyonce version of “I woke up like this” and been confident that MY “wake-up” look is something that I want to share on video (or that the rest of the world is interested in) .

Nope, I’m not there yet. I’m still that person who wants to portray the image that I’m most comfortable with. So, if it’s a bad hair day, a puffy eye day or a day where I’m just not feeling or looking like my best self, I stay away from being in front of the camera.

I know there are women who really have a problem with my thought process. They say that society has made women feel that they have to have the perfect body and the perfect skin in order to project the perfect image. Do I think I might be a victim who has fallen prey to the societal pressures that have been placed on women? I suppose it could be possible that some of that pressure has trickled down to me over the years. However, the trickle I’ve experienced has not impacted me to the point where I totally obsess over my physical appearance in an unhealthy or self-indulgent way. That would be very scary .

As women become older our skin changes along with our bodies. Wrinkles seem to creep up unexpectedly. Some of us experience weight gain in places we never thought were possible 20 years ago. But, here we are living life with all of the challenges, changes, complications and new beginnings that it brings.

Am I completely comfortable with ALL of the new changes that have come with aging? I’d be lying if I said yes. I’ve been told that I should feel comfortable in my own skin. And I do (for the most part). However, there’s a part of me that still wishes that I could eat at midnight and not worry about the excess weight gain. I also wish that my body could remember how it used to allow me to function on less sleep. Now, 6.5 hours is my minimum — any less than that and I’m a complete zombie who needs a nap by 10:00 a.m. And when it comes to alcohol, let’s just say that I’m one-glass-gal. Any more than one glass of wine and it’s nighty night, don’t let the bed bugs bite!

Here’s what else I know. I don’t feel comfortable in trying to be someone who I’m not. Admiring other women’s looks, style and personality is one thing but, copying their brand is an entirely different path that I have no desire to travel down. I like looking and feeling my best. I like the expectations that I have set for myself. Yes, sometimes my expectations are a little lofty but I’ve always aimed high even when goals were inconceivable to others. Some may have called me conceited. Others may have another name that I won’t write in this blog. But, I call it MY standard. I call it MY truth. And I’m proud of who I am (even on a bad hair day).

I think that it’s important for us as women to choose our own definition of authenticity — and not others definition. My authentic self is being comfortable with what makes me, ME. I’m comfortable without wearing make-up ( I really do leave the house without it on many occasions). I’m even comfortable with having a bad hair day ( I will have a cap on though). There are also days when I’m okay that I’m not looking like my best self. It’s all good. Really. But, my mind will not be changed by peer pressure. I will still stay in my own comfort zone and still keep my distance (within reason)  from being in front of the camera!