"Don't Go Away, Here's a Free Trial" on many website offers so try Not signing up 1st..

Hope everyone is learning something new (or reviewing good lessons from the past) at this almost midpoint in January 2017. Here are a few jumpstart ideas if you haven't had time to discover the awesome sites of Marianne Williamson (.com), Jennifer McLean (Healing With the Masters), You Wealth Revolution (.com). These are just a few of the inspirational type talks that can spark one's imagination and help with ideas for healing and thriving.

Then for a practical 'get 'er done' and tend to Important Details for Your Amazing sElf and others in your circles (and to promote in your state and wider online connections, so let your public and religious and cultural leaders know about this FREE RESOURCE on Suzanne O'Brien's  Doulagivers.com site: A basic primer for caring for loved ones and others who have serious health needs or end of life matters.

She is starting a non-profit to help people feel more secure about facing something that could be around the corner for many and is too often happening without people knowing what to do or who to reach out to know their respectful, important options. I am taking her online program and while a bit of a stretch for my resources, I feel it will be very beneficial and provide a way to help more people over the next few decades of my life. The more people who are informed, which likely one can do for free on many sites as well, and could do consulting work likely even without the certifications, the more people can be assisted in their times of need, and hopefully well in advance. 

I did want to mention that we all likely are tempted from time to time to 'get something amazing' (and for a good price) off of the internet. Waiting a few days if not weeks (or months) and talking the idea over with someone likely is a Very Good Idea. Having funds readily available and a Budget (not a plan to get bud..Bud to Budget..as from a site like You Need A Budget (or YNAB.com) so every dollar has a job (and one apparently is to be Saved for a Rainy Day, to Invest for Retirement of the Future and so on.)

Six months of living expenses some say, and other lovely numbers to head for could be part of one's learning at any age...especially as a woman or younger person, but of course as a regular dude too. Barbara Stanny is one online coach with free outreach. Her father was one of the founders of H&R Block and she's made a few mistakes on her way to the big bucks.

But it's not just about money, it's more about being in control of one's life and feeling clear about options. Women especially need more understanding about financial matters in all aspects of their lives. And it's Never too late to learn, get involved or take charge of one's money matters. Still,  I would offer from a few programs in my community from a non-profit  such as AIER (which has online information and many resources, and stands for American Institute of Economic Research) and Cooperative Extensions, that getting more consults about any topic or making changes is very wise.

Get quotes and consider things in a timely fashion, watch out for scams and then keep track of what you are doing at least in a spiral bound notebook which you check weekly or monthly. Watch out for late fees and such if needing to make payments on PayPal or Credit Cards or other loans from a bank (even overdraft protection loans such as my local bank went from free to use to a $6 charge for accessing those funds, and then there was the 18% annual interest.)

If loaning money to a friend, try to get a written agreement with a date and be clear about Both Parties signing off when repaid. Too often someone may not remember being paid or even if doing the paying. Perhaps someone can pay back all or part of the loan with work, items or other help (for another person you'd like to help.) The idea to have someone pay back a hundred dollars by helping someone clean her house (not the person who loaned her the money) came to mind. If this were to be more than a one-time thing, more discussion would be needed. Actually almost any work for someone in another person's home can become 'one of those insurance concerns' so one likely needs to feel ready to make any loan a gift. Having a timeline in place is helpful and giving acknowledgement for payment (at least one person keeping track but ideally both) makes sense.

If a student needs money from his or her parents, and can pay back a loan over the course of months or even years, that could be good practice for managing more official loans. Some people are reluctant to 'go into debt' or more debt, but if the course of borrowing and repayment is clear and followed that can be a good way to manage difficult times. Many times a small amount of money can help avert a bigger fee or crisis. Perhaps going over the budget with a third party would make sense to help with organizational matters.

In any event, the more measures one takes to 'prevent fires (yes there was a big one in an unattended commercial garage that suffered great loss today in my area...yikes.) Smoke alarms, safety checks, keeping storage items in plastic bags, secure tubs or other measures (even storage units) would all make sense for home safety and more security cameras and fire sprinklers (if they'd be sufficient) would be good. Sometimes it's a simple problem, but too often it can take off quickly. Watch out for 'propane wall heaters' or other fire-starting potential hazards. 

Try to travel when the weather is not apt to be harsh, cold, stormy or inclement with wind or ice on branches,  wet leaves and so forth. Staying put is generally a good idea especially if one has children, it is cold or late at night etc. Try to plan trips and regular routes with Safety, Warmth and Letting People Know at regular intervals where you are going, times for leaving and arrival and check in to let people know if there are any concerns with one's vehicle, health or other issues. 

These are the kind of 'wise insights' many people learn over time, particularly when driving (not having subways and trains handy.) Still anyone can benefit from 'thinking things through ahead with some parental type wisdom and care." Going carefully to an emergency is important for more responsders  as well so more accidents are not likely. One day at a time and all the best for happy times ahead.