Archive of ‘Business & Finance’ category

Think About It Thursday: Business and Finances



HELLO My beautiful KINGS and QUEENS, SPRING has sprung upon us! Have you been enjoying this crazy weather?…one minute its nice out the next minute its cold! I surely hope this weather gets it’s act together soon!

Well, it’s that time again!!! It’s Think About It Thursday!

I hope you have been making a conscious effort to transform your mind regarding your business and finances. The transformation/renewal of your mind is key to achieving your business and/or finance goals. Bad business practices and poor money management are sure ways to delay your journey on the road to business success and financial freedom…so don’t delay start TODAY!!!

On another note….

A message came across my Facebook timeline yesterday that I thought would be a great topic of discussion for today! How many of you have a Million Dollar Vision? How many of you have shared that vision with folks and the response you received made you feel some type of way? You know the sad truth is not everybody is rooting for your success!

Million Dollar Vision

As we continue to make a conscious effort to transform our minds regarding our business & finances we have to be careful to whom we share our visions with. Maybe you want to be debt free, grow your business to millionaire status, or travel the world. Whatever vision has been placed in your spirit man make sure you are not surrounded by 1 CENT MINDS.

As always, I have a challenge for you (remember as I challenge you, I challenge myself)!

Business Challenge

Over the next several days, I challenge you to take that million dollar vision and devise a plan (similar to the one below) on how your business is going to reach that million dollar goal.



Finance Challenge

As we work diligently to transform into the wealthy KINGS and QUEENS  we are destined to be. I want you to prepare a budget for your personal finances with the main goal of financial freedom in mind. Your budget will paint a vivid picture which will tell you if you living within or outside of your means.


If you have any topics that you would like me to discuss let me know. Remember KINGS and QUEENS bad habits aren’t broken overnight we must take baby steps….baby steps my KINGS and QUEENS!

Until we meet again!!



Think About It Thursday

Hello beautiful KINGS and QUEENS! It’s that time again!!! Think About It Thursday!

Let’s do a recap of the last two weeks…

I hope you have become a little more comfortable with saving your coins! Are you seeing any progress with your change jar? If not, don’t get discouraged! Our first week we also discussed mind mapping. Have you gotten the opportunity to put your business and finance plans on paper? If not, you may really want to consider doing so, as it will help you stay focused on what you need to do to get where you want to be.

Last week we talked about our credit report and credit score. I hope you took some time out of your busy schedule to pull your free credit report so you can get a start on making sure your credit report and score are up to par. If you haven’t done so, it’s not too late! It is important to do this annually to ensure your creditworthiness is being portrayed accurately to potential lenders.

This week I want you to think about limitations. What limitations are you putting on your business and finances? We are always so quick to tell the universe we are not capable of accomplishing our goals. However, In retrospect what we should be doing is speaking those things that we feel we can not accomplish into existence.

This week I challenge you…you always know I have a challenge!

I challenge you to stop limiting yourself. Stop limiting your business success, stop limiting you ability to manage your finances and most importantly stop limiting your ability to be GREAT! Instead of saying I can’t say I can. Even though present situations and circumstances may have a slight strain on what you are trying to accomplish, don’t give into the negativity.

I challenge you to tell yourself everyday you are (I am) a successful business owner! You are (I am) debt free! You are (I am) capable of managing my finances in a manner that will lead me to financial freedom! Make a conscious effort to transform your mind from speaking defeat over your life to speaking victory!

As I always say we must start by taking baby steps my KINGS and QUEENS…baby steps!

Until we meet again!

Kimisha James


Think About It Thursday

Hello my beautiful KINGS and QUEENS, it’s that time again! It’s Think About It Thursday! First we will start with a recap from last week. I hope you had the opportunity to block some time out of your busy schedule to do some mind mapping for your business venture(s). I also hope that you found that empty container and started the savings challenge. If you are skeptical about starting the savings challenge let me show you my families progress thus far!

Coin Jar


This week I want to get your mind thinking about your credit report and credit score. As we all know (or don’t know), our credit score is essential in determining our ability to obtain financing and could affect our ability to get certain jobs or business working capital loans. Often times if the credit score is not a substantial credit score (usually between 650 – 800) you are subject to higher interest rates or not privileged to financing at all. It is imperative that we pay attention to our credit report and credit score. Retrieving our free credit report every year,thoroughly reviewing it for accuracy and disputing inaccurate accounts can help raise awareness of our creditworthiness.

As we think about credit this week I want to challenge you to think about your current creditworthiness and how it is affecting your ability to obtain financing in both your business and personal finances. Our credit score speaks to how responsible we are with paying our bills. If bills are paid late it negatively affects your credit, if bills go to collections that negatively affects your credit as well.


To block some time out of your busy schedule to retrieve your free credit report (You get one free credit report every year). Review it in detail, make sure that all accounts listed are actually your accounts and the balance on those accounts are accurate. If you have some negative accounts on your credit report don’t be discouraged. If those negative accounts are under 7 years old write down those accounts, call those creditors, and set up a payment plan to get those accounts taken care of (Start with small balance accounts first and once those small accounts are paid off then you take that money that you were paying towards that account and apply it to your next account. Keep doing this until you have taken care of all negative accounts and be sure to request your “paid in full” letter once the account(s) have been paid off). If the accounts are older than 5 – 7 years old dispute those accounts (reason being the statute of limitation to collect on these accounts have passed. Side note: the statute of limitation varies per state and per credit account type)

Be mindful that this task can be overwhelming and somewhat scary. Also know that its going to take some time before you actually see results. Just know that in the end it is well worth it to know that you understand your creditworthiness and have the ability to get those 2% interest rates on great deals!

Remember don’t give up…baby steps my KINGS and QUEENS, baby steps!

Until we meet again!

Are You Living in a Happy County? 

I live in Prince George’s County, Maryland – one of the richest counties in the US. However, I came across an article that listed Top 10 Happiest Counties in the US and oddly PG County isn’t on it! No shocker to me that one of the richest counties does not rank to be one of the happiest. Why do you think that is? 


Riches doesn’t equate to happiness? No, that’s not how media and past generations have taught us. The understanding money will make life functional but will not make us happy is what we lack. We need to understand the difference and balance of living and making money to live well. Bottom line: if you aren’t happy then why is making more money so important to you? 

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