Articles written by Nicole W

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Aspiring artist residing in Dallas, Texas.

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Personal Finance > Budgets & Saving How to save at the grocery store: 5 of 53

In today's economy, you have to be wise about the spending decisions you make. Gas is high, banks are closing, and cost of food is on increase. One needs to be knowledgeable and aware of the tips and insight needed to help save. Empowering oneself with a few tips will help make wiser food choices as far as healthy options, p...
Arts & Humanities > Making Art How to overcome artist's block: 8 of 30

It's time to fill up again! It's about growth, renewal, and inspiration. "Artist's block" happens to us all in art - art is life. The frustration is nature's way of pushing us to grow and replenish. Stimulation and growth releases productivity. Overcoming artist's block requires a renewal of the mind and spirit. Make sure yo...
Religion & Spirituality > Christian Beliefs & Culture Does attending church matter?: 16 of 35

The "church" is the bride in relation to Jesus the bridegroom. The "church" isn't just the four walls of your nicely built mega church, or your store front church, or wherever you worship. Attending church is fellowship and coming together to serve one another in Christ, in the community, in the world, and also to be encoura...
Personal Finance > Managing Debt What is the debt-to-income ratio?: 5 of 8

Debt to Income Ratio (DTI)? Well, what is it? It's as important as your credit score these days and very important in determining your overall financial health and credit worthiness. Banks and other lenders calculate this number to determine how much to give you and what rates. DTI is the percentage of one's gross monthly in...
Personal Finance > Financial Planning How to build a financial safety net: 18 of 22

The way to build a financial safety net is to give, save, invest, and protect! I am compelled to share based on coaching from partnerships, mentors, pastors, and financial professionals that have been willing to share their knowledge. After all, knowledge is power. 1. Tithe, offerings, or charity. Whether you believe in givi...
Personal Finance > Financial Planning How budgeting can improve your life: 38 of 46

Budget, Budget, Budget. We must do it to keep order and perspective in our lives. Our financial health is important in order to be successful and financially free. Budgeting improves our lives by keeping us balanced and focus. You owe it to yourself to plan, track, and adjust for the unexpected in life. If you are struggling...
Creative Writing > Reflections Reflections: Memories of my grandmother: 44 of 53

Someone wrote or sang, "Memories of the way it use to be..." I miss the way it use to be yet I do not want to go back to experience the heartache again. My grandmother was my best friend. We laughed, talked, and cried together. She raised me and I am so appreciative of her sacrificing her golden years to rear her grandchildr...
Personal Finance > Mortgages & Home Loans What you need to know about home equity loans: 7 of 7

Home Equity Loans or Lines are used by a homeowner to draw from the available equity in their home. Your equity is the difference between your mortgage balance and your home's estimated market value. You may need to utilize additional funds for home improvements, a new car, business venture, unexpected expenses, investments,...