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Thanks for expressing an interest in understanding, organizing, and managing your personal finances!

What's been going on...

The ladies of the Young Women's Group at Haverhill High School participated in a four week seminar offered by MJOrganizers to learn the basics of personal finance.

Read more about it...

Jameel Webb-Davis at the Haverhill High School

What's coming up...

Jameel will be speaking along with a representative from Ameriprise Financial as the Boston Young Women's Task Force sponsors a seminar to learn about managing personal finances. Get the details...

See what's new for 2007!

  • MJOrganizers website - check out our new design!
  • New Flat Fee services for Individuals
  • Program Design and Public Speaking for Schools & Organizations
  • Products coming soon!

Quick Links...

February's Thoughts on Personal Finance

e-Newsletter for Feb '07

For the Love of Money -

A valentine

Don't let issues with money come between you and your Valentine!

Get paperwork organized! Is your financial partner great at bringing in the mail, but not at going through it? Trade that pile of mail, bills and receipts for a neat organized filing system. Prices start at $49!

Make a budget you can stick to! You both have to spend it. But are you doing it together? You may have money in your account now, but will you in two weeks? Two months? One year? Forecast your bills knowing what to expect in the future, so you can create a realistic budget that will work for both of you!

Stop paying late fees! You have money, so why aren't those bills getting paid on time? Life's hectic, the paperwork's overwhelming, and the time slips by! Call us for help in creating tools to help you stay on top of those bills!

The Myths of Personal Finance

Myth #2 - More Money will Solve Your Problems

The basic assumption is if we just had more money, all our problems would go away. Many parents tell me, "I teach my kids to save their money," thinking that equals "They'll know how to pay their bills." But teaching someone to save is teaching them how to NOT spend money. Paying bills requires knowing how to spend your money, as well as knowing how banks work, how to manage a checking account, and how to be smart about credit cards.

We daydream about buying a new house, new cars, and being able to travel, not realizing the amount of money management that is still necessary with the luxurious lifestyle.

Someone with a high income who lives in a really expensive house can get overwhelmed with all the bills and paperwork involved with maintaining their personal finances just as easily as a person making a low income living in a modest apartment.

I went to visit a client at his home. He had three months of mail piled up on his desk. He said bill collectors call him regularly and he's been trying to stay on top of things, but it's out of control. I sat down and spent an hour and a half organizing his mail and making a list of his bills. When I got to his bank statement, I noticed he had $65,000 in his checking account. I asked him, why he hasn't paid his bills? His response was, "I don't even know what I owe. It takes up all my time just to manage my business!"

Managing your personal finances isn't about how to get more money, it's about managing the money you have.

Next month...

Myth #3 - Smart people don't have money problems!