Budgeting is More Liberation than Limitation
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About this ebook
We spend large portions of our lives working. The purpose is to exchange our time and expertise for the opportunity to lead the lives we desire. However, work alone does not confer the ideal life. Integration with a budget – i.e. wise decision making, planning, and discipline – reigns imperative. A budget is an estimate of income and expenditure for a set period of time. This process increases the likelihood of exchanging your opportunities into successes – by knowing the necessary information and planning accordingly. Therefore, you owe it to yourself to budget if you truly want to achieve the life you desire. To budget is to plan; to plan is to value your impact on the circumstances.
The mechanics of budgeting follow the well-known practice of shifting thoughts to actions and values. We know that practices such as setting yearly goals, creating vision boards, and surrounding yourself with like-minded people lend to reaching greater success than the contrary. Yet, many ditch these tried and true principals in favor of just hoping that everything will work out. While positivity goes a long way, coupling the positivity with right planning gives a push in the right direction.
The ultimate desire is to lead a life full of happiness and contentment. This is possible when a sense of balance exists. Since all decisions are connected, our priorities, values, perceptions, habits and circumstances all impact the usefulness of our budget. Being in control of our personal path is the goal. How important are your goals? You decide.
Roshawnna Novellus
We all have problems and roadblocks that may be real or imaginary. My clients know that they have someone in their corner that will help them get back on track and remind them of their goals. I feel compelled and passionate about giving this sense of support to my clients and to the community at large. Starting Novellus Financial to help people achieve their goals and go after their dreams was a natural step for me. My passion for teaching Financial Literacy evolved while volunteering for the IRS Volunteer Income Tax Assistance Program (VITA) in 2011 and 2012. The program gave me the platform to provide free tax advice and preparation to low income taxpayers. After this opportunity, I started community financial empowerment seminars for families to educate them about their financial options. Proud Financial Accomplishment: My first major financial goal was to get through college debt free. I worked as hard as possible to receive the highest grades as possible in high school and then applied to over 200 scholarships to ensure that I reached my goal. All that hard work paid off when I was awarded scholarships and fellowships to exceed the total costs for all four of my higher education degrees. Next Financial Goal: Paying off my mortgage and taking my family on international trips. Roshawnna holds a Doctorate of Science in Systems Engineering, with a minor in Finance from George Washington University, a Master's of Science in Information Technology emphasizing Information Systems Engineering, a Bachelor's of Arts in Business Management Economics, and a Bachelor's of Science in Computer Engineering achieving Summa Cum Laude in each.
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