What Is Interest? : Borrowing vs. Saving

 

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Definition: “Interest is the charge for the privilege of borrowing money, typically expressed as annual percentage rate. Interest can also refer to the amount of ownership a stockholder has in a company, usually expressed as a percentage.”

Interest rates can be quite confusing! Interest can refer to borrowing or saving. In simple terms you want high interest rates for savings and low interest rates for borrowing. Continue reading

Making Over My Blog: My New Acer Chromebook

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Happy Hump day guys! I am winding it down for the night. This week has been pretty awesome and it’s not even over yet. As you can see the blog has a new look. I was itching for a change, I needed my blog to match my identity. I had a great schedule but I just felt my blog didn’t scream SAM.

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I’m very happy with the look, although I am a tad obsessive when it comes to perfection. I feel this theme portrays my southernbelle personality with ease. My home page will change some, but the rest will remain the same. Now that I have made this solely a blog it’s time to create the next two sites. My services will be available soon, and I couldn’t be more excited.

As a mom, I am prone to multi-tasking, in business I do the same. My mantra “My daily life & my life in stitches. Because there is no in between” is what this blog is all about. Bits and pieces of my life and business happenings. The next two sites will each be dedicated to my other two businesses. All business, no pleasure!

Now that I have created some much needed order, its time to talk about my new goodies! For the longest I have been running business from a cute little pink tablet. I swear I loved that thing but it just wasn’t practical. I have expanded my services and blog, so the technology had to change. Tablets are great for playing around but not for operating a business. I have no bad reviews for this tablet, I just needed more. I still have it, and use it when I don’t want to tote my lap top.

RCA Tablet w/ Keyboard

Although I have retired my tablet for business, it is the perfect tablet for travel and fun. The keyboard is attached, the speed and memory are also great. The RCA tablet is extremely affordable and I’ve had it for 2yrs now with no issues.

 My new love is my Chromebook. I have never been very tech savvy or hip to the latest. I am also very frugal when it comes to spending! This jewel is affordable, dependable and sooooo cute.

Acer Chromebook

Yes it is white, I am afraid to get it dirty….but they have tons of accessories, so on to shopping I go. I am pleased with the performance of the Acer Chromebook. The set up was very easy and the app store has everything I need. It did not come with any unnecessary junk downloaded on it either.

Goals

Time to set some goals and finish this week out strong!

  1. Portfolio & Service Website will be done this weekend
  2. Financial Services Website will be done this weekend
  3. I will play with my new gadget this weekend and post about it Sunday

It Takes A Village: Single Mother Struggles & Mom Shaming

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Becoming a parent is a journey with many twist and turns. Everyone will tell you how expensive kids are, but no one tells you about the mental strength you’ll have to gain. There are many things in life that can’t be taught, parenting is one of those things. We are all LITERALLY flying by the seat of our pants.  At the end of the day we just hope that these little beings who drive us completely insane while looking up to us, simply grow up to be amazing adults.

No one could have prepared me for the meaning of ” It takes a village”. Such a short statement that speaks volumes, has meant the world to me for some time now. The transition from a two parent household to a one parent household takes a huge toll emotionally and physically. When dad chooses to not only leave mom, but the kids behind too…… that’s a whole other ball park. This is where I discovered the true meaning of a village.

Single mother shaming is a huge thing I’m seeing right now and it eats me alive. The judgement from married mothers, childless adults and random strangers that know nothing of your situation or family dynamic other than the fact that you are a “Single Mom”.

“You should’ve chose a better man”

“You shouldn’t have kids you cant afford”

“Why didn’t you wait until you were married before you had kids”

“All she wants is a hand out, she had kids just to live off of our tax dollars”

 

None of these statements shame dad for leaving. All of these statements are assumptions. We are living in a world where people would rather judge than help. Helping is not a hand out, it is a hand up.  A village is your community sticking together and showing up when others have failed you.

All the things I never knew I’d have to worry about

What happens when kid #1 gets sick on Monday and kid #2 gets sick on Wednesday? That’s two days of work missed because they have to visit the doctor and can’t go to school or day care sick. What happens when you lose your job simply for handling your duties as a parent?

What happens when the babysitter cancels and you can’t find another one short notice?

What happens when the kids ask about dad?

How will my kids feel about me when I spend more time at work than I do with them?

All this time people spend judging a single mother on her physical situation simply adds more to the mental situation that none of you see. Who cares why she is a single mom, let’s applaud her for getting the job done and fill in the gaps when needed.

At the end of the day being a mother is ROUGH, no matter what type of household you come from. Maybe you’re in a two parent household, maybe you’re in a single parent household. No matter what, it gets easier when you have a village to lift you up.

 

XoXo-Sam

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How To Choose The Right Sewing Machine: 3 Machines I Recommend For Newbie To Pro Sewers

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Your sewing journey starts with choosing the right tools. When it comes to machines hype and fluff can be confusing! Should I focus on stitch count, stitch variations, big names, foreign etc. It can all be confusing but today I will clear all that up.

Often times I am asked “ How do I choose the right sewing machine?” Here’s a few questions to ask yourself:

  • How often do I sew?
  • What is my budget?
  • What is my skill level?
  • Is this business or pleasure?

Continue reading

Back To School Safety

#MomLifeMonday

School is finally back in session for all of us and we can now take a breather! Our little ones are safe at school soaking up knowledge while we work and we know they’re safe and sound. But what about when they get home?

  • Do you know when they get home
  • Do they have their keys?
  • Did they lock the door?
  • Will they know not to open the door when a stranger comes knocking?
  • Are they doing their homework or watching cartoons?

Continue reading

Seamstress Hacks: How to grade a pattern.

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My life has literally been a mad house! I’ve been a low key busy bee. Life has been centered around my parents as my dad suffered a stroke. Now that he is home we can pick up all the pieces and carry on.

Today I thought I would share one of my favorite resources. Although I have a fashion design degree, I’ve picked up a lot of new skills from online and YouTube. Today’s post also comes with news! My  colleague  and I will be hosting sewing workshops in Atlanta as soon as we get a class schedule in order.

How do I grade a pattern? Continue reading

The Rule Of 72

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Saving money can feel like a chore, we don’t like to but we need to. There are  many tools that help us complete our chores swiftly and effortlessly but did you know all the awesome tools that can help you save?

Most of you probably save your money in the same bank you utilize for your daily banking needs. This is a BIG no no. Traditional bank savings accounts yield a disappointing interest rate of .001% annually. On top of that you pay a fee just for having that savings account which will in turn eat up your .001% growth and some. Today you’ll learn how to make an informed decision of where to save your money and how to make interest rates work for you. Your weekly/monthly out of pocket savings and an awesome interest rate for growth will be a dynamic savings duo! Continue reading