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

What's been going on...

MJOrganizers participated in the 2006 Massachusetts Conference for Women. Find out more...

Jameel Webb-Davis is featured in the Center for Women & Enterprise's 2006 Annual Report. Read more about it...

Jameel Webb-Davis, president

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...

January's Thoughts on Personal Finance

e-Newsletter for Jan '07

New Year's Resolutions -

New Year's Clock

Get paperwork organized! 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 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!

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 #1 - Managing your money is Common Sense

I'm in a local bookstore searching through the Personal Finance section. It's a rather large section so I stand there for a good 30 minutes scanning every book, trying to find one that will cover many of the items that my clients need help with. No luck. I find books on how to get rich quick (or slow), how to invest in the stock market, and how to save for retirement/college education. But these aren't the questions, we need answers to.

"What do I do right now if I don't have enough money to pay my bills?" "Paying taxes, how does that work?" "What does it mean to balance a checkbook? Do I need to?"

I have clients of all incomes and backgrounds, and these are the questions they don't ask, but need to.

Most people have to deal with basics of managing their personal finances, but we don't do anything to educate ourselves in these areas. It's assumed that our parents will teach us, or the information is so simple, that we'll just figure it out when we need to. As a result, we've created a whole generation of people who believe this information is common sense.

The more serious issue is that because we all believe this is common sense, we're not asking to be educated. And we, as a culture, have developed a real sense of embarrassment around this topic. If we write out a check incorrectly, or forget to pay the electric bill one month, we don't talk about it. We berate ourselves for not knowing better, and try to do better next time.

Education is the key. MJOrganizers offers training on how checking accounts work, how paychecks work, how to read a credit report, how to get your bills paid on time every month, and more! Contact us for more information.

Next month...

Myth #2 - More money will solve your problems!