Pocket Change, Issue 3

8/2/2019 Pocket Change, Issue 3

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and much more . . .and much more . . .

SPRING 2012 - Issue 3

brought to you by . . .brought to you by . . .

PocketPocketChangeChange

supported by . . .supported by . . .DFLI is a not-for-profit 501(C)(3) organizationDFLI is a not-for-profit 501(C)(3) organization

In this IssueIn this Issue Couples and Money Couples and Money

Foolish Fun Foolish Fun It Adds Up Fast It Adds Up Fast

Wherewill you be

October27th?


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In This Issue..In This Issue....3 10 Steps to a Succesul Spring Sale

Sharon Boland

5 Friends Dont Let Friends Drown in Debt

6 Join The Club

7 Couples and MoneyNancy Stark CCCS

12 Grab Your Scissors!

14 Is Your Closet Ready?Tami Schoeneld

18 Foolish FunKaren Graham

19 Purses to Portolios Conerence

20 Time on Your Hands ...

21 The Money ClubCandace Bahr and Ginita Wall

23 A Word From The Money Clubs

24 Trying to earn Purses Hours?

25 Delaware Money School Q & AInterview with Danita L. Mosley

27 It Adds Up FastCarla Shipman

28 Meet the Sta

o Pocket Change Readers,

Beore the 2011 holidays, AmericanExpress created a very positive, verysuccessul campaign...Small BusinessSaturday. Te pledge to support smallbusiness appealed to a lot o us...anddid a lot to support the entrepreneurs

in our communities.

Ater *CODEs successul National EntrepreneurshWeek 2012 event, many o us talked about celebratismall businesses year round. (*Coalition o Organizatioor Delaware Entrepreneurship) I propose we add to thpledge o supporting small business the intention to sholocally as oten as possible. I live in a small town. I wato continue to enjoy the convenience o local merchanI need to requent their businesses i I want them to stopen. So this issue, I want to spotlight a ew businesses North Wilmington, Delaware ,that I would not want

lose, businesses that provide quality services...

My frst is Joe and onys Gul on Philadelphia Pike Claymont...quality service that has kept my cars runninover the years without huge bills. o me, it is a symbol the honest and skilled mechanic. In the next ew weeks,avorite seasonal business opens: Marini Produce on VeaRoad... resh ruit and delicious, locally grown produceand service with a smile! Te local Ritas Water Ice anDunkin Donuts are very much like the V Cheers Bar

where everyone knows your name... and how you tayour coee. And Lambs Lot...what seems like acres nostalgia, memorabilia, and vintage items. Tose are mavorite shops...What are yours? Send in names o locsmall businesses you want me to mention in uture PockChange editions.

And there is one small business that is now only a onmemory. We are saddened by the passing o a dear rienim Ross, and his - and our - beloved Always the Garden

Ronni

PocketPocketChangeChange 2012 - Issue 32012 - Issue 3


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(continued on next page)

By Sharon Boland

Be the First One to Hold a Successul Spring Sale! Decide its time to pare down your

possessions and clean out your home, room by room. Make a list o reasons why youwant to do this to motivate you. Keep the list handy and where you will see it.

1. Choose a completion goal date and mark your calendar. Te goal date will be whenthe weather is warmer and you can have a Sale. Set a time rame complete with steps soyou can meet your needs. It will depend on when you started and how many rooms orhow much you have to clean out. Write your goal date, timerame and steps on your list oreasons.

2. Set a fnancial goal to put some o the money you make rom your Sale into a savingsaccount. You can decide i you will save a certain amount or a certain percentage. A certainpercentage, like 50%, is easier because you dont know how much you will make at yourSale. Setting a fnancial goal is a big motivator or cleaning out the house. Write yourfnancial goal down on your list o reasons.

3. Start in one room and fnish each room beore you begin another. Get rid o items youdont like, no longer use or want, and items that are broken or past their prime. And get

rid o items that have bad memories or bad eelings attached to them.

4. I you fnd that you dont necessarily like an item but are emotionally attached to itbecause it was a git rom someone special or i it reminds you o someone, group allo these items together and select your avorites or just a certain amount o these items.Remember the love you shared still exists and your loved ones would not want you to beupset over them. Items rom a special amily member (like your Grandmother) can always

10 Steps to a

uccesful

pring Sale

GE BUSY!



be given to other amily members. Asking a riend or a amily member to be there whenyou clean out helps with this type o anxiety. In exchange, you can oer to help them cleanout and host a garage sale together!

5. Get some boxes. Mark them Sale, Donate, Keep: Relocate/GiveawayTe Keep:Relocate/Giveaway means that you are moving it to another part o your home or givingit away, not donating it. Trow away trash and junk and dont compromise.

6. For Sale items: Clean and repair them i they are repairable and sellable. Start pricingyour items and price them to sell. Ater you price an item, pack it with like items, its easierpreparing or your Sale. I you need help with pricing, check Ebay, Craigslist or go toGoodwill or a resale shop. Your goal is to sell the item and make money. Follow through onthe other boxes by donating them, using the items in another room, or giving them away.

7. As you get closer to your goal date, congratulate yoursel as you clean out each room andcelebrate each victory. When the weather has changed and your goal week is here, createand post signs, and place an ad in the paper i you choose. Be sure to use clear wording andinclude your Sales date, time and location.

8. Get prepared the day beore your Sale. Have your cash, change, tables and chair ready.And paper, pens, bags, newspaper (to wrap breakables) and everything else you may needtoo. I you are having your Sale in a garage, have your items outside in the garage. Have

your cell phone charged. Go to bed early. Be sure to tell your neighbors you are having aSale.

9. Get up early, eat breakast and be prepared. Tink saety: keep your cell phone on youand split up your money into dierent pockets. Tink positive and celebrate your hardwork and all your eorts it will be worth it. You will be proud when you walk aroundyour clean house AND each month when you look at your saving account statement ateryouve made that deposit!

10. Tis is probably the most important suggestion o all, no matter what . . .

HAVE FUN!!!!

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Join the ClubJoin the ClubHave you attended Money School classes and earned Purses hours?Ever wonder whats the next step on the road to fnancial reedom?

We have the answer or you!

Te Delaware Financial Literacy Instiute is introducing Money Clubs: a newprogram that has the power to change your fnancial lie orever! Money Clubsare designed to help you succeed and prosper fnancially while providing abuilt-in support system to inspire you to reach your fnancial goals.

Joining a Money Club is a un and successul way to take charge o yourmoney! Members meet regularly to learn how to get out o debt, jumpstarttheir savings, teach their kids about money, and many other fnancialtopics.

Te Money School has partnered with the creators o the Womens Instituteor Financial Education (WIFE.org). Teir website is ull o inormation

and tips on how to start your own Money Club. Te site provides over 30Money Zones including budgeting, saving, investing, holiday shopping andmuch more. I encourage you to visit www.MoneyClubs.com to see what thisree and exciting way to take control your fnances is all about!

Each club should have between 3 and 12 members, meet a minimum o

once a month or about 1 hour.You must register your club on moneyclubs.com.

Outstanding Money Clubs will be recognized at the2012 Purses Conerence

Interested? Want more [email protected]


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According to many surveys, money is the most common topic that couples fght about.

Tis isnt surprising, given it represents so much love, happiness, power, and prestige,and based on past experience, each o us has our own very unique view o how it shouldbe used. Money may result in control issues i one partner in the relationship holds all thepurse strings. It also may lead to heated arguments when couples encounter job loss or anunexpected fnancial windall or i one partner has a gambling problem. But with patience,insight, and compassion, couples can work together to reconcile their money dierences.Deanna Booker, Communications and Community Outreach Manager or local nonproftConsumer Credit Counseling Service o MD & DE (CCCS), oers these tips or improvingdomestic harmony and gaining fnancial peace o mind:

Learn how to communicate. ake the time to regularly talk with your partner about amilyfnances. Dont wait until a problem erupts; instead, schedule ongoing conversations whereyou review your current fnancial situation, discuss money issues, and identiy commonspending and saving goals. Booker advises, During these discussions, its important totry to be open and nonjudgmental. Avoid playing the blame game. I di cult issues orquestions arise, it may help to write down your eelings beore you actually talk about themwith your signifcant other.


Couples and Money(How to Stop Fighting and Start Talking)

By Nancy Stark, CCCS of MD DE



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Strive to understand your partners perspective.Depending on how couples grew up, they oten havedierent attitudes about money. For example, one maybe a spender while another is a saver. Some eel guiltyabout money; others are compelled to simply avoid the

topic all together. Booker notes, Its common oropposites to attract. So you may have a person who canshop until they drop married to someone who countsevery penny. As the years go by, even couples who startout on the same end o the spectrum may gravitate inopposite directions. When couples dont understand orrespect each others attitudes and point o view regardingfnances, polarization and disagreement are likely to set in.

Divide up the fnancial workload just as you do other chores. When one person controlsthe couples fnances, they also get stuck with the lions share o worry or responsibility.Consider swapping fnancial chores, Booker suggests. For example, i one o you usuallyis responsible or balancing the checkbook or paying the monthly bills, trade o every ewmonths instead. Tis will give each o you a chance to have control. Youll also be surprisedwhat you learn by walking in the others shoes.

When couples maintain an open dialogue about their fnances and work together to becomefscally ft, they also are more likely to gain fnancial security. As a ocus on personal fnance,Booker recommends these exercises:

Set and stick to a budget. CCCS o MD & DE has an easy-to-use interactive budget ormin the Financial ools section o its website at www.cccs-inc.org. Couples who need helpdoing this can also call CCCS at 1-800-642-2227 or a ree budget counseling appointment.Also track your spending and compare notes. Tat way youll both have a better idea o howyou are putting your money to use.

Work together to get organized. One way to do this is to create a amily cash-ow chart.Booker explains how: Using a standard calendar, list your paydays and the amount youexpect to receive in your paycheck. Next, list which bills are to be paid out o each check.Tis eliminates the last-minute scrambling to meet payment due dates, and avoids costlyoverlimit and overdrat ees. Also develop a system or organizing and retaining fnancialrecords. Since its tax season, this is the perect time to shred what you dont need and fle

what you do.


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Consumer Credit Counseling Service o MD & DE, Inc. (CCCS) is an accredited nonproft agency thathas served the local community since 1966. We promote economic sel-su ciency and provide helpto individuals, amilies and communities through fnancial literacy education and credit and housingcounseling. For urther inormation about our vision, values, and services, please visit our website at cccs-inc.org. MD State License #14-01/ DE State License #07-01.

Dont be araid to openly discuss your fnancial situation. I one o you has lost a job, itmay aect your relationship and fnances. Ten brainstorm ways to cut expenses, so thatyoure able to live within your means. I circumstances have changed, its irresponsible tocontinue spending as you did when both o you were employed.

Find ways to increase amily income. I youre employed, but still need more income to liveon, Booker advises, Review your withholding allowances rom your paycheck. Recently,many amilies who live paycheck-to-paycheck have received an income tax reund o over$2,000. Oten, these are the very same people who struggle to make ends meet and couldreally use an extra $200 in their paycheck instead. Te IRS has a helpul page that willhelp you calculate your withholdings. Just go to www.irs.gov, type the words withholdingcalculator into the search box, and ollow the directions they provide. In a matter o minutesyoull learn the appropriate number o withholding allowances or your situation.

Find ways to save money. Having an emergency savings und can help you avoid moneyarguments, because it provides a saety net or when unexpected expenses occur. Bookerexplains, Even small changes in liestyle can leave you with more money in your pocket.I you regularly eat out at work, bringing a lunch rom home instead could leave you withan extra $100 to put into savings each month.

I you get an income tax reund, use it wisely. Catch up on any past due bills, put at least

10 percent into your savings - more i possible, and consider making needed repairs to thehouse or car.

Booker concludes, Couples receive several benefts when they work together to achievefnancial stability: Tey generally experience less stress and fght less, and this ultimatelymay lead to a happier, more secure relationship. A recent Utah State University studyound that marriages where couples work together to achieve fnancial harmony are 30percent less likely to end in divorce.



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What are you doingWhat are you doingthis summer?this summer?Want to make moneyWant to make moneyAND have fun????AND have fun????


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1- 877 - 246 - 2026



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Grab your scissors and get organized ...Grab your scissors and get organized ...save BIG by cutting couponssave BIG by cutting couponsW h e r e t o fin d co u p o n s

Online couponsSunday newspaper

rading coupons with amily, riends, & neighborsDUMPSER DIVING (I dont personally recommend this)

W h a t t o DoMatch sale iers to coupons

Check out your local stores iersUse savings card/store rewards card

Organize the coupons you have or the products youll need so that you can generate a list.Make couponing work or you by adjusting your strategies and plans to ft your own lie.

Check ahead with your stores policies beore using coupons and attempting multiple transactionsOrganize coupons: envelops, coupon binders, fles...

W h a t t o d o w i t h y o u r co u p o n sa v in g sDo you really need advice here?

Coup on in g L ing oStackable Coupons - Combining a manuacturers coupon along with a stores coupon

Double Coupon Deals - A point in time when coupons are worth twice their ace valueStockpiling - A large bulk or location o materials such as groceries and household items

Coupon ing on - t he -go !Check out your smart phones application store!

Coupon apps are available on Android or Apple devices

Look fo r The Money Schoo l s

Rx f o r Shopaho l i cs Com m un i t y Even t .

For more inormation and resources on couponing visitwww.thekrazycouponlady.com

www.couponing101.comwww.businessinsider.com


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Tired o heavy winter coats and sweaters cluttering up your closets? ripping over winterboots? Now that Spring is upon us, its time to clean up that clutter and make room orthe new seasons garments. So here are some helpul tips on how to best do just that!

Beore you begin, you might want to put on some nice music or light a scented candle. Ithelps to make the atmosphere as pleasant as possible. ake everything out o your closet.Tis is the best way to see what is out o style, no longer your size, or what is torn, damaged,

or irreparably soiled.

Sort out the items into piles according to:

what you want to keep and still wearwhat you dont wear, like anymore, or is out o style but is still in good shapewhat you dont wear, like anymore, or is out o style and in bad shape and needs tobe thrown out items you arent sure about. As with the items you know you wantto keep, these Uncertain items can be stored in plastic containers under the bed

or elsewhere. But i you havent used certain items or over a year, chances are younever WILL! Tink about it!

Ten:

Place items to be thrown away in sturdy trash bags and label them accordinglyPlace items to be sold (consignment shops, eBay) or donated (Goodwill) in separatebag and label accordingly.

B y Ta m i Sc h o e n f e l dB y Ta m i Sch o e n f e l d

I s You rI s Yo u rClosetClosetReady?Ready?



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A un idea is to make a swap party with riends to exchange those items which are still ingood condition, but which you no longer want. Tink o it as recycling! Whats junk toyou may be anothers treasure!

Clean out the closet by vacuuming or mopping the oor, then cleaning the shelves with any

multi-surace spray.

Organize your Spring and Summer items BY YPE beore returning them to the closet.For example, put all short sleeve shirts together and stack shirts together. You can urthersort them according to color, keeping blacks together, whites together, etc. Place all jeanstogether.

Organize shoes by style (pumps/ats, etc) and color. You can place them on shoe racks,stacking shelves, or hanging shoe racks.

Put a rack on wall and hang belts, scarves, etc.

Put a rack on wall vertically to hang handbags. Tis allows or clear display o your bags,with no overlap.

Now you have a closetul o items that you actually wear! No clutter, no excess, Enjoy!



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Let Us Pick Your Brains!Let Us Pick Your Brains!Send Us Your SuggestionsSend Us Your Suggestions

infoinfo@@dfli.orgdfli.org

Useful money saving tipsUseful money saving tipsIdeas for upcoming issuesIdeas for upcoming issues

Financial questionsFinancial questionsDelicious recipesDelicious recipes

Send your ideas to ...Send your ideas to ...


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Stepping StonesStepping StonesCredit UnionCredit Union603 North Church Street603 North Church Street

Wilmington, DE 19801Wilmington, DE 19801302 654 5024302 654 5024



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Foolish Fun!!!by Karen Grahamby are rah m

April is coming. Along with it comes showers and owers, bunnies and eggs, and that dreadedApril Fools! Have you been the victim o pranks rom your kids? Well know it is paybacktime.

Here is a un way to ool your amily in a way they will actually enjoy. Dessert or Dinner/Dinner or Dessert Let them think you are reversing things or April 1 by serving dessert frstand dinner last. Te joke is on them because the cake is actually meatloa and mashed potatoesand the fsh stick dinner is cookies and candy.

You will fnd the recipes or these and other oolish pranks on the Disney FamilyFun website.Disney FamilyFun is an online source and a magazine or arts & crats, recipes, parties and somuch more.

Fish Sticks and Peas

Coat sugar waer cookies with peanut butteror fsh sticks and roll in crushed corn akes.Roll green tay candy into balls or peas(soten in microwave i needed). Strawberry

jelly mixed smooth is the ketchup.

Fauxberry Cake

Use your avorite Shepherds Pie recipe andmake it in a pie shell. Mashed Potatoes arecolored pink with ood coloring or pureedred beets. With pie like this, eating dessert

frst is never a problem.

For more mixed up meals go to www.amilyun.go.com

Bon Appetit!


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October 27, 2012Chase Center on the Riverfront



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Time on Your HandsCheck Out the WEBTime on Your HandsCheck Out the WEB The Centsables (www.centsables.com) Tis superhero based website eaturesinteractive games, like economic Hangman, Financial rivia, and Coin Drop- where the

goal is to save money. Children can also read stories and lessons on what should be donewith money and why it is important.

Network Financial Instiute (www.nickelsburg-nfi kidscount.org) A great site tolearn economic vocabulary and complete activities to earn Nickelsburg dollars. Tis is agreat source or teaching priorities and the importance o saving as you work through avirtual town completing missions.

Secret Millionaires Club (www.smckids.com) Earn Buett Bucks by investing incompanies on the Buett Bucks stock market and completing educational games. Watchepisodes, read the blog, or ask Warren Buet himsel your fnancial questions. Check outthe parent sections tips to teach children good fnancial habits.

The Mint (www.themint.org)- Tis site oers advice or all ages, at home or school.It eatures quizzes and personal fnance calculators to create budgets, activities showinghow interest works to your beneft and calculating how long it would take to become amillionaire!

Practical Money Skills (www.practicalmoneyskills.com) Tere are tons o fnancialgames on this website. Children can play Peter Pig, a change sorting game, or plan out theirretirement in a scenario game named Countdown to Retirement.

Planet Orange (www.orangekids.com) Planet Orange (www.orangekids.com) ravel to Planet Orange in this simulationto earn money through completing educational lessons. ravelers learn to budget andprioritize by saving money or uel in order to continue the journey and take on side jobs

to earn extra money..

It All Adds Up (www.italladdsup.org)Tis site is targeted at teens interested ingetting a head start on their fnancial utures. Games and quizzes help teach about buyinga car, saving or college, or investing. Te site includes a teachers guide, links and resources,and fnancial calculators.

Money School Online Courses www.delawaremoneyschool.com Earn Purseshours by completing one or all o these basic fnancial courses..


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YYou are about to discover a simple program that has the power to change your fnancial lieorever. Its ree and non-attening, and is designed to help you succeed and prosper.Imagine the productivity and energy o a ew riends sharing what they know, seeking out

inormation, putting their heads together to solve problems and motivating each otherto move ahead. Tats the power behind the new Money Clubs, which use all the latestscientifc research to tailor a fnancial learning program designed uniquely or women.

Money Clubs are an incredibly successul way or women to get together to achieve theirmoney dreams and support each other on their journey to prosperity. Te support o otherMoney Club members provides a sense o community and belonging. With the help oriends to keep them on track, women can help each other in a powerul, productive way.Members are accountable to each other, and that keeps everyone motivated. Like having adiet buddy to help lose weight, riends in the Money Club provide the encouragement thateach member needs to succeed.

Te Money Club is not your grandmothers investment club. Unlike narrowly-ocusedinvestment clubs, Money Clubs ocus on learning the dynamics o money, incorporating a360-degree view o womens fnancial lives. In Money Clubs, members discuss their moneytruths and dreams, encourage each other to meet savings goals, reduce debt, budget their

By Candace Bahr, CEA, CDFA and Ginita Wall, CPA, CFPBy Candace Bahr, CEA, CDFA and Ginita Wall, CPA, CFPThe Money ClubThe Money Club


From Our Partners at WIFE.orgFrom Our Partners at WIFE.org



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expenses, educate children, and plan or a happy and productive retirement. In meetings,members discuss a wide variety o fnancial topics as they support their riends in movingaway rom their ears and toward their fnancial goals.

Te Money Club concept works. It is ounded on years o research, and this proven program

can help women succeed. Money Clubs are based on the ancient premise that the combinedenergy o several people ocusing on the same problem is many times greater than the sum othe individual energies involved. Tis concept has been used at high-level business meetingsand in board rooms around the country or years.

Money Clubs are absolutely ree and non-commercial. Money Guides rom the non-proftWomens Institute or Financial Education volunteer their time and expertise. In addition,Money Clubs receive support rom the educational arms o some major corporations,

including VISA and General Electric. Te Money Clubs are there or you, i you want tomake a lasting dierence in your lie.

You dont have to know much about money to join a club - you just need a desire to improveyour relationship with money. Te Money Club is a grassroots phenomenon. Women (andmen, too) create Money Clubs themselves using the ramework and materials at the websiteMoneyClubs.com.

ogether, we can take personal responsibility and help each other move ahead. We realizethat to truly make a dierence in the world, it takes a positive vision. We visualize a millionwomen actively involved in Money Clubs across the country. Tats what it will take tomake an impact in the abric o womens lives and the lives o their children and amilies, aew women at a time.

I you and your riends want to make a change, to be less worried about money and movetoward your dreams, the Money Club can help. As you learn in the Money Clubs sae andriendly environment, you will be surprised at how rapidly you progress and how you caninspire and encourage others in the Club as they deal with their fnancial issues.

Amazing things happen in Money Clubs! All you need to do is gather together a group oriends or colleagues who are interested in improving their fnancial lives. Make a date toget together or your frst meeting. You can log onto the website, MoneyClubs.com, to learnmore about how to get started. Click on support to send an email to the club coordinator,who is ready to help you every step o the way.


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Other ways or earning Purses hours include

Stafng The Money School inormation or registration table at eventsHelp with tasks in The Money School ofce

Donate time with a Money School partner such as EITC (Earned Income Tax Clinic)

For more inormation about opportunities contactFor more inormation about opportunities [email protected] or (302) [email protected] or (302) 792-1200

No matter what your skills or interest may be,

there aremany opportunities to earn Purses hours.

Thank You or Your Help!

Trying to earn Purses hours?Trying to earn Purses hours?Heres how!!!Heres how!!!

Are you trying to earn Purses hours? Participating in Money School classes is one o the

best ways or earning hours. Options include:

Become a Money School class evaluator (Contact Tami Schoeneld)

Complete online courses

Participate in a Money Club

One o the newest ways to earn Purses hours is by starting or joining a MoneyClub. Money Clubs is a new program adapted by The Money School, rom

WIFE.org in order or you to take control o your fnancial situation, by

meeting and discussing fnancial topics and concerns with your peers.

For inormation on Money Clubs contactFor inormation on Money Clubs [email protected] or (302)[email protected] or (302)792-1200

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When did you know business and this particular business was your passion? Tepath to my destiny as a business owner was chosen or me by the economic downturnthis country aced. But the passion or it was nurtured or about a year beore it was fnallybirthed. In 2009 when a privately held company I worked or decided to move out o state,my spouse and I were at a loss or how we would be able to maintain our amily. Ironically,I had always struggled as a child keeping my room clean and now I am passionate about

helping my customers keep their acilities clean.

What personal characteristics and skills do you have to handle problems, stresses, andrisks involved in your business? Determination and an awesome work ethic have allowedme to endure stress and handle problems. Mistakes are necessary to any successul businessbecause it allows or learning, development and strengthening. Being a wie and a mothero 3, I oten put others needs beore my own. I fnd that this attribute carries over inmy business dealings as well. I oten become more than just an employer to my sta orvendor to my clients. Tis has been a tremendous asset in developing long lasting businessrelationships.

What advice would you give someone looking to become a small business owner?Advice I would give to anyone looking to become a business owner is simple, Dont GiveUp. Anything that is worth something hardly ever comes easy. Resources are priceless.Utilize every available resource even i youre not sure how it will help. Te seed you sowwill not only help someone elses crop, but will ultimately work to bring you a harvest.


DELAWAREDELAWAREMONEY SCHOOLMONEY SCHOOL

QQ && AAInterview with Danita L. MosleyInterview with Danita L. Mosley



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Where do you see your business in the next three years? In the next three years I seeornado II Janitorial Service, LLC continuing its steady growth. We will continue to ocuson providing jobs in Delaware and eventually expand to the Greater Philadelphia andMaryland areas. Our job as business owners is to help stimulate this economy to bring thiscountry back to greatness.

How do you handle the dream stoppers? Te best way to handle dream stoppers is tonot! You surround yoursel with positive progressive people whom you can draw energyrom. Naysayers and dream stoppers have no place in business.

Describe your business in 3-5 words? Proessional, Detail-oriented, Customer-ocused,

How would someone describe you as an entrepreneur? As an entrepreneur peopledescribe me as being air, conscientious, exible, fscally responsible, and having excellent

interpersonal skills.What are your personal goals? My personal goals are to build a brand legacy that canbe passed down rom generation to generation. I want to be a role model to other youngentrepreneurs as I am consistently encouraging those around me to do better and be better.I would like to travel the world and i ornado II Janitorial Service, LLC can take me globalId love that.

Are they the same as your business goals? My business goals are the same except I wouldlike to enter into the retail market. Currently, my sister and I are developing a line ocustom graphic tees that we plan to launch early all 2012.

I you had to start this business over, would you? Te old adage, I I had to do it all overagain I defnitely would, holds true or me. I love what I do, and most o all I love to learn.One would think that in the cleaning industry there isnt much to learn, but the truth isthis industry is everchanging. From going Green to new and innovative machines thereis always something to get excited about.

Is there anything else you would like to share? Being an entrepreneur has become away o lie not only or me, but or my amily. When my children talk about what theywant to become when they grow up, though their career ideas are always changing, the oneconsistency is the desire to be their own boss. I I do nothing else in lie I am grateul tohave passed on this passion rom generation to generation.


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Since this is our frst edition this year, Happy 2012!! Im surequite a ew people started their New Year with a resolution,whether its losing weight, getting out o debt, changing habits oreven getting organized. Now that we are into the year, I hope youare well on your way. Maybe this article will help motivate youeven more! Were you aware that during challenging economictimes, you can use the loose change ound in your car, purse, oraround the house to und your dreams? Let me tell you a story

about what I did. About a year ago, I was in my avorite o cesupply store (Staples), checking out the clearance rack. Whatproessional organizer wouldnt look at the clearance rack? SinceIve became a proessional organizer clearance is my middlename. I ound a digital coin jar or approximately $6.00. Whata great way to save money or something special.

My goal was to save or a weekend getaway, spa day, or even agirls night out, but then I remembered the National Association

o Proessional Organizers Conerence (NAPO) that was in a ewmonths. Tis would be a perect opportunity or me to save. Iplaced the digital coin jar on my desk, along with a label thatincluded the date and location o the conerence. o motivatemy goal, I placed a save the date postcard near the jar. A neatreminder o why I was saving the money. I started going throughmy purses, you know - the ones that have all that loose change. Ieven used the water jug I had flled with coins over the last year.Every time I ound change I deposited it into the digital coin

and watched the money accumulate. My goal was to save $500by February, to date Ive saved $798. In March, I will attend ourNAPO conerence in Baltimore. Now Im saving or next yearsconerence.

By Carla Shipman Ms. DeClutter

Carla Shipman is a proessional organizer specializing in helping businesses and residential clients who strive or a better quality o

lie, a desire attain more productive lie, ulfll their purpose, increase wealth, and maintain good health and spending time with those

they love. Carla has been on Good Morning America, NBC Show 10! in Philadelphia, and recently on CBS 3 NAPO Challenge. Her

speaking engagements include Mocha Moms in Delaware, Bear Library in Delaware and Senior Centers or the State o Delaware.

DeClutter Enterprise, LLC 302-339-3830 [email protected] www.declutterenterprise.com

It Adds Up Fast



MeetMeetDFLIsDFLIs staff . . .staff . . .

Back row: (From L to R) Shaquilla Holmes, Program Assistant; KarenBack row: (From L to R) Shaquilla Holmes, Program Assistant; KarenGraham, Senior Associate Director; Tami Schoenfeld, Associate Director;Graham, Senior Associate Director; ami Schoeneld, Associate Director;Nancy Dotsicas, Office Manager; Kiersten Joseph, Project Coordinator;Nancy Dotsicas, Oice Manager; Kiersten Joseph, Project Coordinator;Christine Paski, Program Specialist. Front row: (left to right) VirginiaChristine Paski, Program Specialist. Front row: (let to right) VirginiaRussell, Citibank, N.A. & DFLI Executive on Loan & Ronni Cohen,Russell, Citibank, N.A. & DFLI Executive on Loan & Ronni Cohen,Executive DirectorExecutive Director

QUICKQUIZ

1. Who recently signed up for Medicare?

2. Who recently celebrated her 21st birthday?

3. Who majored in Biology in college?

4. Who was a member of a foreign air force?

5. Who minored in music in college?

6. Who are the two native Delawareans?

7. What is DFLIs favorite restaurant?


29/29

A good today. An even better

tomorrow.

Citi is proud to support DFLI ~

The Money School.

We salute those who help make

our world a better place.

Pocket Change, Issue 3

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Transcript of Pocket Change, Issue 3