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Part 5: Career Confessions from a Small Town Girl in the Big City

This article was originally published in Tishomingo County News, linked here.

If you missed the previous 4 parts of this series, find them here: Part 1, Part 2, Part 3, and Part 4.

At the beginning of this Career Confessions series, I wrote about visiting the Career and College Readiness classes and the football team at Tishomingo County High School (TCHS). That visit has been the inspiration for these articles. Growing up, I never thought about working for a company like Chevron. Honestly, I’m not sure I knew what Chevron was when I was in high school other than as a gas station. There isn’t much oil and gas activity in Iuka, Mississippi. Because of that, I wanted to share this wonderful company that I have worked with for 14 years. I wanted the students to know that if I could find my way to Chevron, it wasn’t out of their reach either. 

My sister and I at Tishomingo County High School

The students and I discussed economics at a high level. Oil and gas are commodities and are publicly traded on the open market. The market sets the price along with other global economies. Since many of these students drive, they understood the price of gas when filling up their cars. We talked through a recent big change in prices at the pump and how the pandemic impacted supply and demand. Demand dropped dramatically when the world shut down. Supply was in excess for the demand which drove down the price of gas. As the world opened again, demand increases but supply lags since it had been reduced to meet low demand during the pandemic. This caused prices to increase. This happened in many industries and many products because of the pandemic. 

Because Chevron is an Energy Company, I shared with the students about Chevron’s mission to provide affordable, reliable and ever-cleaner energy to the world. Chevron recently created Chevron New Energies, a section of the company that is investing in products to advance a lower carbon future, such as carbon capture and hydrogen. This part of the company is where an entrepreneurial spirit is encouraged because these projects are forging pathways in the energy transition. What a great place for outside the box thinkers and problem solvers. It was important to share with TCHS students the many opportunities within Chevron they may want to consider as they graduate, pursue higher education and/or careers. 

As described in previous articles, my career journey has been multifaceted, and I think that’s an accurate description of my career within Chevron too. I began working at Chevron in late 2011 after obtaining a job with a staffing agency. This job was a Technical Assistant with major capital projects. I became a Chevron employee in 2013, this time as a Senior Administrator to a General Manager named Dave. Dave was and still is my favorite manager. Dave had high expectations for his department including myself. It felt, at times, higher than what I was capable. He challenged and mentored me to being a better employee. But most importantly, Dave cared about his employees. Dave gave me a great start to my career at Chevron. Chevron’s tagline is Human Energy meaning Chevron is successful because of its people. Dave is one example of working alongside some of the best and brightest.  

For the first 7 years at Chevron, I was a trusted advisor and support to several General Managers. None of those jobs required me to have a college education. Not to say it didn’t help me, but it wasn’t mandatory. That’s another relevant point I wanted to make to the students at TCHS. Don’t let perceptions hold you back. Make the most of every job, even if you are only in supportive roles. I’ve had some of the most incredible experiences. For example, I’ve attended weekly meetings with executives and their leadership teams (this is the epitome of learning from the best and brightest); I’ve flown on Chevron’s corporate jet several times to Midland, TX; and I’ve also travelled on Chevron business to Calgary, Alberta Canada; Covington, Louisiana; and Pittsburgh, Pennsylvania. I’ve had a bird’s eye view of business strategy, worked on diverse teams, problem solved and executed projects. It has been exciting, challenging, competitive, exhilarating, and has grown me to new levels. My experience at Chevron has been incredible! I am so thankful for all the opportunities and excited for the future.  

Because the Energy industry is driven by market prices and global economies, that means I have also faced market downturns in my career. At the publication of this post on my blog, I’m currently facing a restructuring of the company. This could be viewed as a negative, but I view it as an opportunity. These downturns have created movement in my career to gain exposure and experience in other parts of Chevron’s business and I wouldn’t trade any of it. Context is everything and hindsight too. If I could go back and tell my younger self anything and emphasize to the students at TCHS, it would be, “What appears to be a challenge very well could be an opportunity. Don’t discount your job title. You can make it what you want. Don’t be afraid to ask for and explore new opportunities. Own your career.” 

So, what happens next? Only 1 article left! Next week I’ll wrap up this series. Stay tuned and I’ll unfold the last story of this Career Confessions series from a small-town girl in the big city. 

Part 4: Career Confessions from a Small Town Girl in the Big City

This article was originally published in the Tishomingo County News, linked here.

If you missed parts 1 – 3, find them linked here: Part 1, Part 2, and Part 3.

The downsides to working with Downtown Paws were twofold; working outside also meant working in the rain and I was alone all day. While I processed my mother’s death, I think being alone was good. There came a time, however, that I needed to be around people, and I was ready for a new challenge. After some job applications and interviews, I received a position with the church I was attending, West Houston Church of Christ (WHCC). This job meant I would be back in an office setting. Was I nervous? Yes! Did I think things were going to be different this time? I wasn’t sure. This was somewhere familiar and with people I knew, so it seemed less threatening. This job was the Administrative Assistant to the Senior Minister. He was relatively low maintenance, and my main responsibilities were found in creating weekly and quarterly publications; event planning; database management; etc. I was able to lean into my creative and analytical skillsets in this job and it came with a pay increase.

I think it’s important to pause here and note that some people know exactly who and what they want to be when they grow up. I admire these people who know their strengths and relentlessly pursue them. For me, though, it wasn’t about what or who I wanted to be. I was still trying to figure out how to survive. I was still trying to manage this anxiety and I hadn’t had enough space from it to know if the worst were behind me. If I could characterize my career journey to this point it would be like a map. My map was really hard to read and had many, many detours because of construction. I was building something. It was painfully slow, brick by brick. 

I was holding my breath those first couple of weeks at WHCC…not sure if I would sink or swim. The familiarity of the place and people helped. I know, I know, when you think about working at a church, you probably think a very small office and older employees. These assumptions would be incorrect. The office staff was made up of 12 employees. Almost half the staff, including myself, were in their mid to late 20’s. But everyone was young at heart, especially Andy who was always so positive, happy and randomly bursting out in song. He was the worship minister. Mary was extremely kind to me with the loss of my mom and she became like a second mom. Shawn, she became my best friend. James and Tim were supportive and encouraging. We all were a great team. We worked hard and had fun too. I worked at WHCC for 3 years.

Something in me had shifted after my mom’s death. She had been very sick with diabetes that led to kidney failure. She had congestive heart failure among other ailments. I wanted to honor my mom’s memory by taking better care of my health. That led to joining the YMCA which coincidentally was only a block from WHCC. Going to fitness classes became my favorite pastime. Pro tip: exercise is GREAT for anxiety! It only took one kickboxing class taught by Misty and I was hooked. Misty became my personal trainer for a while. One day she asked me, “Why don’t you become a fitness instructor? You’d be great at it.” The thought never crossed my mind, but the seed was planted. With Misty’s help, I studied and became a certified fitness instructor. Not only was I working full time at WHCC, now I was teaching up to 10 classes a week and I loved every minute of it! 

The anxiety of working in an office setting was subsiding. I was building more confidence and self-esteem by teaching and helping others become better versions of themselves. I had the best, most fun students. The best compliment I have ever received was being nicknamed “Coach”. Who would have ever thought this shy, small-town girl would be leading boot camp, kickboxing, weight training classes, and getting paid to do it? Certainly not me.

Context is everything and hindsight too. When I reflect on how I got to this point in my story, it’s not nearly as much about me as it is about the people that walked beside me at the right times just as God intended. The ones that held up a mirror to reflect back to me my strengths and talents. Without those people, I wouldn’t have had courage or recognized my strengths. If I could go back and tell my younger self anything it would be, “Don’t discount the people along your journey. Listen to them. Believe them when they tell you that you are good at something. Don’t be afraid to lean on people. Don’t be afraid to ask for help. God has a plan for you.” 

Remember what I referenced in Part 3? The ebbs and flows of life and even if professional success is happening, it doesn’t always bleed over into personal success. What many didn’t know was my marriage was on the rocks. Things may have looked great on the outside, but they weren’t on the inside. My marriage would eventually end. This would be the third major life event which would forge a path to Corporate America.

So, what happens next? How did I move forward? Only 2 articles left! Stay tuned and I’ll unfold the story in part 5 of this career series from a small-town girl in the big city.

Part 3: Career Confessions from a Small Town Girl in the Big City

This article was originally published in the Tishomingo County Newspaper, linked here.

If you missed Parts 1 and 2 in the Career Series, catch up now! They are linked here and here.

There was finally some progress and stability on the job front and in my new life in Houston too. Before I left Super Suppers, I was recognized for my hard work and customer service. I was given a 2% raise. Can you calculate the 2% increase on $5.15/hour? 😉 It wasn’t much but it was recognition for a job well done and what the ‘mom and pop’ startup could afford at the time. It was a sincere gesture that they wanted to reward and recognize my work. I was even offered the position of Assistant Manager. Instead of pursuing advancement at Super Suppers, I had another job on the horizon. This time working for Downtown Paws, a dog walking and pet sitting company. This was a well-established business, and my job was to manage all the clients. I more than doubled my paycheck by taking this job. I travelled all over downtown Houston visiting many homes with furry, four legged clients. It wasn’t unusual to drive 100 miles each day. I had keys to each client’s home which resulted in having a keychain that resembled something like that of a janitor. Each stop consisted of dog walks ranging from short visits (a quick potty break) to 30 minute or 1-hour walks and playtime. My furry clients were all types of breeds…a French Bulldog named Olivia; a Great Dane named Lance; Boxers named Strider and Rose; Chocolate labs named Moose and Guinness; and everything in between. One of the job perks? Besides being with animals all day, I had a killer ankle sock tan line from all the time in the sun. 😎 

The best job perk was the confidence I gained from driving all over downtown Houston. If you’ve ever visited Houston, you will understand there’s a 610 loop and a Beltway 8; that I-10 runs East to West; I-45 runs North to South; I-59 runs Northeast to Southwest; 290 runs Northwest and the difference between the Med Center; Downtown; the Galleria; the Heights; Midtown, etc. With Houston being the 4th largest city in the United States, it can be quite overwhelming. I was still applying the working knowledge of a physical job to distract my brain from the anxiety. I also love animals, hello emotional support! What I didn’t know is how much Downtown Paws would help me build more self-esteem and confidence. This job took the intimidation out of driving in Houston. With navigating Houston now conquered, I proved to myself that I could do new, hard and scary things. I remained at Downtown Paws for 1.5 years. 

There is a series of ebbs and flows to life. It is never constant. Sometimes you can have success in your professional life while your personal life is struggling. For instance, even though I was gaining traction at work, something else was happening in my life. My mom was placed in the hospital the Christmas of 2006 while I was still working at Super Suppers and little did I know, she would never go home again. Her last 6 months of life were in the hospital, and she passed away June of 2007 while I was working with Downtown Paws. This was the second major life event for me in only one year’s time. The first was moving to Houston.  

Context is everything and hindsight too. As I reflect back at this painful time, I know I was in the right jobs at the right times. I needed the time, space and relatively low stress level jobs because of what I was enduring with the anxiety and then the sickness and death of my mom. I wasn’t and couldn’t have been ready for anything more career wise. God had placed me exactly where I needed to be.  

Life is all about peaks and valleys. Good times, bad times and the in between times. I just happened to experience a lot of valleys and bad times right at the beginning of what I thought was going to be this great new chapter of my life. If I could go back and tell my younger self anything it would be, “hang in there. It does get better, I promise.” I don’t know that I would have many other words than that for my younger self, but I know that I would look directly into her eyes when I said those words. I would give her a warm hug and just sit with her for comfort and to process all the ways her world seems to be coming undone. For those that have experienced life altering change, be kind and patient with yourself and take it one day at a time. 

So, what happens next? How did I move forward? Stay tuned and I’ll unfold the story in part 4 of this career series from a small-town girl in the big city. 

Career Confessions from a Small Town Girl in the Big City: Part 2

This article was originally published at Tishomingo County News, see it linked here.

The job situation wasn’t looking good only a few months after graduating college in the summer of 2006. I was a tadpole in an ocean called Houston, Texas and the anxiety attacks supported that analogy. I tried another office temp job. I was ok for a couple of days and then quit that job too. I witnessed a girl get fired. I got in my head about it and couldn’t let the fear go that I would be next. Never mind that the fear was unfounded. Anxiety doesn’t work that way. It’s not logical. It was all unwarranted fear. None of this was a good look for me nor a good track record for trying to find and keep a job. Not to mention the temp agency wasn’t going to work with me again. How was I supposed to explain what I was going through? From the outside looking in, I looked like a mess and who wants to hire a mess? I was an unreliable employee, and I couldn’t blame them for thinking that way. 

Back then one of my favorite channels to watch was the Food Network Channel. I love to cook! I don’t remember the name of the show, but it highlighted this new up and coming food preparation franchise called Super Suppers. I was intrigued. It was founded in Texas and one was opening not far from my apartment. I was beginning to shift gears. Since I was having trouble in an office setting type job, I thought if I could get a job working with my hands, I could distract my brain. I met the Assistant Manager for an interview and was offered a job a few days later. It was a job for minimum wage, $5.15/hour. 

A quick pause here because it’s important to note this job and the minimum wage offer. I was a college graduate and making minimum wage. 

Now back to the story…something else was shifting, although I couldn’t possibly have known it back then. I had begun attending a church in Northwest Houston and found a woman who had her counseling certificate. She was offering her services free of charge to members of the church, and I began seeing her to talk through the anxiety I was experiencing. I was already incredibly nervous to begin yet another job for obvious reasons and on top of that I had created a realistic fear within myself that I wouldn’t be able to handle it…much like a self-fulfilling prophesy. Combine those together and ladies and gentlemen we have an almost perfect storm. But guess what? The storm dissipated before it had a chance to fully form.

On my first day at Super Suppers, we were tasked with cleaning the store to get ready for opening day. I spent several hours with rags, paper towels, and cleansing agents on my hands and knees scrubbing all the things. The following days consisted of prepping recipes in the kitchen and at the differing workstations. I enjoyed all of it! My hunch was correct, by keeping my hands busy, I was able to distract my mind. One day turned into a week and that turned into working at Super Suppers for 6 whole months. 

Several things happened at Super Suppers that helped get my feet back underneath me. First, I was learning to work with and through the anxiety.  Next, I was beginning to create a community. I was seeing the church counselor who was giving me an outlet to speak fears out loud. Sometimes fears can be incredibly scary when left unspoken. Letting them out with a trusted person dilutes them. I was beginning to build self-esteem again. I was beginning to have more steps forward than backward. I also met Jen who began working part time at Super Suppers. We became fast friends. She shared her challenges with anxiety and that she was working through some things too. She showed me that normal, regular people struggle and that it’s ok. Context is everything and hindsight too. If I could go back and tell my younger self anything it would be, “slow down, life isn’t a race. Sometimes the journey takes much longer than we wanted or anticipated. Sometimes we have to try different things until we find the right things. Sometimes we have to make baby steps when we want to take leaps. Everything will work out and be ok.” The key was to keep pressing forward and to keep shining a light in the dark corner that my big life change had caused. Jen, my counselor and Super Suppers were all shining lights in that darkness. 

The story isn’t finished yet. There’s more ground to cover from dog walking, to working nonprofit, fitness instructing and Corporate America. So, what happens next? Stay tuned and I’ll unfold the story in part 3 of this career series from a small-town girl in the big city.

Career Confessions From a Small Town Girl in the Big City: Part 1

This article was originally published in Tishomingo County News. See link for published article.

Early in 2022, I visited my alma mater, Tishomingo County High School, to speak to the Career and College Readiness classes and to the football team. The football coach during that time had created a wonderful program to bring back alumni of Tishomingo County High School to speak to students, share their career journey, work skills, and life tidbits. It was called Wednesday #ROW Above the Line Character Education and Real Talk. It was an absolute honor to be invited to participate.

I had lots to share being a shy girl that moved to the big city. And let me tell you, I did not have a career trajectory when I moved to the big city. Nope, not at all. I wanted to share my story with students at Tish County. I wanted to share my messy path to the career I have now. If I’d had someone share with me back when I was in high school that life doesn’t always look the way you think it will, that it’s ok to make mistakes, to figure it out one step at a time; then maybe I wouldn’t have been so hard on myself. Spoiler alert, I wouldn’t change anything about my messy path because it got me to where I am now.

In fact, in 2006 I moved to Houston the day after graduating from Mississippi State University with an undergraduate degree in Finance. I was not recruited by a company in Houston and the real reason I moved so suddenly was because I was married to someone that had a job offer in Houston. I followed, obviously, however his success with a career did not measure up to the opportunities I had. Nope, in fact, I STRUGGLED mightily to find my way, or to even find a job. I stopped counting the job applications after I surpassed 100. No calls, no emails…crickets. I knew no one, had no contacts, nothing. I think a lot of people might find themselves in a similar place. You have a college degree or experience and yet no job offer, not real leads, nada.

So what did I do? I started with what I could find…a temp job which was a receptionist in downtown Houston in one of those gigantic skyscrapers. I remember it so vividly and don’t even know how I had the gumption and fortitude to ride a metro bus into downtown, walk to the right building, and then find my way to the appropriate floor. I remember my job was to answer the phone and connect the calls to the right people. The calls that came in were from people that had foreign accents, asking for people that I didn’t know how to pronounce their names. I asked the people on the phone to repeat themselves quite often and prayed as I connected the calls. I began to sweat at the front desk from the pressure of the phone ringing. I survived, though, even if the temp job only lasted a couple of days. If I could go back and tell my younger self anything, it would be, “there’s no pressure with a temp job that’s only 2 days in length. Relax! You are doing great!”

I found another job shortly thereafter, this time working at a staffing agency. I worked closely with a girl named Courtney. We were about the same age, our birthdays were both in April, and she attended Ole Miss for about a year. Small world and I was so glad to find someone with a Mississippi connection. I made it about 2 weeks in that job. I didn’t get fired, I quit. Why would I do such a thing? I struggled so much after I moved. I began having what I now know were anxiety attacks. Not being able to breath, crying uncontrollably, unable to calm myself. It was horrible and I quit my job. I was incredibly embarrassed and my already fragile self esteem took a major hit. The worst of it all was I felt like I let down my new friend, Courtney. I couldn’t find the words to tell her what was going on and I left without an explanation. I still feel terrible about it to this day. I felt like something was wrong with me and like I was a failure which only pushed me further into the anxiety.

Context is everything and so is hindsight. Looking back and reflecting has helped me understand that the only way I was going to get through that horrible time was to walk through it as hard as it was and as much as I felt like I wasn’t going to make it. Putting one foot in front of the other and yes, sometimes taking two or three steps backward. I needed to give myself some time to adjust to the big life change of uprooting myself from everything I’d ever known. And yet I needed to work and make money. Life doesn’t stop and neither do the bills! They weren’t going to pay for themselves. What did I do next? Stay tuned and I’ll unfold the story as this is the first part in a career series from a small town girl in the big city.

Career Confessions from a Small Town Girl in the Big City: Introduction


A couple of years ago, I wrote a series about my career journey for Tish County News. The series was inspired by an invitation to speak to the Career and College Readiness classes and the football team at my alma mater, Tishomingo County High School. The message I wanted to convey to those high school students wasn’t about my job and current life, rather the journey that it had taken to get there. I was not and still do not have a high profile job or career. My life after high school took some ups and downs and winding roads. I wish someone would have been able to give me the 30,000 foot view while I was experiencing it all at ground zero. It would have been helpful to have insights and perspectives along my journey after high school. The invitation to speak to high school students and to write this series was an opportunity to fill in the gap I wish I’d had. I hope you will follow along for the next several weeks as the story unfolds. There will be tips and tidbits shared as I look back with the wisdom that only hindsight can bring. I’ll share what I would tell my younger self as I look back on the moments when I struggled with extreme anxiety, low self esteem, low confidence, feeling altogether lost, and walking through big life events such as my mom’s passing, divorce, and multiple job changes. Now is a great time to subscribe if you haven’t done so yet. Don’t miss this series! It’s packed full of actionable insight no matter where you are along your career journey.

Pocket Money: What It Is and Why It Matters

In a recent post, I wrote about using “pocket money” for a special treat during the week. What is pocket money and why is it important? Pocket money is an amount of fun money set aside each month to use for special treats throughout the month. Pocket money can be in the form of cash you literally keep in your pocket or wallet to use for the month. Or it can be a line item in your money plan that you track to insure you spend the appropriate amount.

Do you enjoy a Starbucks coffee treat? Or maybe lunch with a friend? What about that pair of shoes you’ve been eyeing? Maybe there’s a gadget you’ve been thinking about that you’d like to try. Pocket money included in your monthly budget gives you permission to treat yourself to some fun during the month. Why is this important?

Utilizing intentional discipline with a money plan is hard. It’s intentionally flexing money muscles that may not be super strong yet. When you are working hard to save or pay off debt, it’s important to build in rewards along the way. Setting aside pocket money is a great reward system.

My husband and I set aside $100 for each of us every month. We get to spend $100 each on anything we want, no questions asked. Most of the time my $100 usually goes toward a Chick-fil-a run for an unsweetened tea with lemon. The Chick-fil-a run started during the pandemic as a way to intentionally get out of the house and see other humans. And it just kind of stuck. Here’s an example of what our pocket money looks like in our budget. We track ours electronically, however, there was a time where we used cash only for our fun money. The nice thing about cash, once it’s gone, it’s gone. You don’t have to question if you spent too much.

Pocket money has no strings attached with no guilt associated with however you choose to spend it. There are some guidelines to consider when figuring out how much pocket money you can afford.

1.     Do you have a money plan in place for the month? If you do, then you will know how much income you have minus all your expenses, bills, etc. When you know how much you are spending each month, you can determine what you can afford for pocket money.

2.     Pocket money is not a free for all spend category. It’s an intentional amount of fun money set aside determined by your money plan.

3.     Maybe you can only afford $10 of fun money for the month. That’s ok. Get creative with how you will make that money stretch! Be intentional. Hello, thrift store!

If you have money goals to pay off debt or to save; your fun money amount might be small for a time until you pay off that debt or meet your savings goal. The key is to keep going! And rewarding yourself is absolutely necessary to help you continue moving forward. Savor the fun that you can afford for now and keep your dream in mind of what your fun, pocket money will be once you meet your money goals. Be intentional!

How to Protect Your Money

This week, I witnessed an intentional act to save money. On Monday around lunchtime, I was waiting in the Chick-fil-a (CFA) drive thru for an unsweetened iced tea and noticed a CenterPoint Energy truck. Side note: My husband and I set aside pocket money each month. Pocket money is intentional money set aside to spend on whatever we would like. Mine is usually spent on unsweetened tea with lemon from CFA as a treat. I make unsweetened tea at home but sometimes it’s nice to have someone else make it! Back to the story. As I was waiting in line, I noticed a young man get out of the passenger side of the work truck and walk around to the opposite side. These work trucks have so many different compartments that house all kinds of tools. I watched him as he opened one of the compartments, removed a large bag, place it on top of the truck, and then proceed to pull out a microwave! A microwave? Yes, a microwave. This certainly piqued my curiosity! What was he doing with a microwave in a work truck? I watched him as he carried it to the tailgate of the truck and place it there. Next, he brought out a portable power station bank that he used to plug in the microwave.

It’s not everyday you see a plugged-in microwave on the back of a truck. But It wasn’t just the sight of it. It was an intentional act to save money. Did I mention I was in a Chick-fil-a drive thru line? The driver of the CenterPoint Energy truck walked inside the Chick-fil-a to get his lunch while his workmate dragged out a microwave and portable power station to heat up his lunch.

I might also mention that the street the work truck was parked on was positioned by not only the CFA, but also a Burger King, a Chipotle, and a Taco Bell. He could have walked to so many options, but instead he chose to make the extra effort with his microwaved lunch.

These are EXACTLY the actions it takes to win with your money.

1.        Have a strategy, such as your budget or money plan for the month.

2.        Know where your gaps are, such as spending too much on eating out

3.        Enable your defenders, such as bringing your lunch to work.

This young man was intentional with his time, energy, and effort. It will all pay off for the young man, especially if he continues these actions each day.

Eating out can be one of our biggest money gaps. Let’s compare a prepared meal at home to take for lunch versus eating out.

Let’s use an example of a pot of chili made at home. I’ve used this recipe many times and it is so good! It makes 6 servings. Plus, I’m adding in Jiffy Cornbread. Each ingredient I’ve included in my breakdown are all organic. Please note that this meal could be more cost effective if you source non-organic ingredients.

4 strips bacon, sliced ½-inch thick – Aldi – $2.20

1 ½ pounds ground beef – Aldi – grass fed beef – $9.86

1 medium yellow onion, diced – $0.37

1 green bell pepper, diced – $1.81

3 garlic cloves, minced – $0.18

2 tablespoon chili powder – $1.00

1 tablespoon cumin powder – $0.85

2 teaspoon paprika – $0.25

1 teaspoon dried oregano – $0.10

1 teaspoon salt – $0.02

2 tablespoon tomato paste – $0.73

1 (28-ounce can) fire roasted diced tomatoes – $3.10

1 (15-ounce can) black beans – $1.55

1 (15-ounce can) red kidney beans – $1.55

2 cups chicken bone broth – $2.59

1 bay leaf – $0.40

Jiffy Cornbread mix – $0.64

1 Egg – $0.57

½ cup milk – $0.30

Grand total: $28.07

Divided by 6 servings = $28.07/6 =$4.67 per serving of chili and cornbread

Given the quality ingredients used in the above recipe, let’s cost compare to a Chicken Burrito Bowl from Chipotle with a drink. See screenshot order below. $15.20 total for one meal

$15.20 – $4.67 = $10.53 in savings by making your food at home

If you change your behavior to making your lunch at home versus buying, you could save $10.53 per day or more. Weekly, that would be a savings of $52.65. Monthly, that would be a savings of $210.60. Yearly, that’s a savings of $2,527.20.

What would $2,527.20 extra this year do for your household? What would it pay off? What goal would that help you save toward?

How are you being intentional today with your money?

How to Win with Your Money

Do you have a financial or money goal for 2025? Pay off a credit card? Save for a vacation? Save for a car? Save for a medical procedure? Something else? Do you wonder why your money disappears so quickly? Do you have more month than money? It’s disheartening to work so hard for our paychecks and feel like there’s never enough money. Did you know in the 1970’s people were exposed to 500-1,600 marketing ads per day? Today, the average is estimated between 6,000-10,000 marketing ads per day. We see more than 12x more ads each day than we did 50 years ago. 🤯 That’s one indicator of why we can’t keep our money for very long and why we lose track of it. The reality is every ad you see is vying for your hard-earned dollar. Marketers are smart and they want to separate you from your money. They know how to play into your emotions and how to make you think and feel like you can’t live without a product or service. Not to mention all the data our phones collect about what we click on, how many seconds we watch or stop scrolling to see an ad. With this data, marketers can put even more pinpointed products and services in front of you in the form of ads. What do we do about it?

    1. Game Plan and Defensive Strategy

        When you play a game, the goal is to win. Think of this as money goals = winning. Next, to win, you need a solid defense strategy. In its basic meaning, defense means having a defender for every gap. Where are your money gaps? How do you know what they are? Once you know, you can enable your defenders.

        2. Money Plan vs Actual Spending

        The best tool to identify where your money gaps are is going to be…wait for it…a budget. Yes, I know! The horrible “B” word. 😉 If it feels better for you, refer to it as your money plan instead! You’re going to take a little time, set out a money plan for the month and then track what you actually spend. Then compare what your plan was versus your actual spending. This exercise will identify your gaps. Where are you overspending? Do you have enough income to cover your basics expenses?

        3. Mind your Gaps

        Once you know where you are overspending, then you can enable your defenders. Are you shopping too much? Defense: consider deleting your shopping apps or unsubscribing to email lists. Take away the temptation. Are you spending a lot of money on fast food? Defense: consider making sandwiches at home to take for lunch. Are you finding that you aren’t able to cover your basic expenses: housing, food, clothes, transportation? Defense: What are ways you could make more money either by side hustle or finding a job that will pay more?

        It’s great to have money goals. That’s step one, establish your goal because that’s how you’ll know if you are winning. Money goal = winning. How are you going to move forward toward accomplishing your money goal? Define your game plan, identify your gaps and enable your defenders to fill in the gaps. You’ve worked hard for your money and you should keep it or at least tell it where to go instead of wondering where it went.

        Intentionally Aware

        Our modern world 🌎 is so fast paced. The expectations are right here, right now, and on demand. Today’s modern life depicts that we can have anything and everything at the touch of a button 🔘. Consider Netflix with endless streaming options; or Amazon with a conveyor belt of products to your front door 🚪 with what your heart desires. Consider DoorDash making food options seem endless and easy. What’s wrong with having options at the touch of a button? On the surface, there’s nothing wrong with it. However, there’s a better question to ask instead: What are we missing?

        How much time ⏱️ do you spend deciding what to watch on your streaming service? So. Many. Options. Anxiety creeps in about picking the wrong show or movie to watch because there might be something better if I just keep looking 👀. How much time do you spend binge watching a series? Has that box popped up on the screen asking “Are you still watching?” because the same show is still playing after watching 3 episodes. What are we missing?

        Time. ⌛️

        Time scrolling through too many options. Hours spent watching episode after episode. What else could you do with that time? Read a book, learn a new skill, study for a class, practice a hobby, pray, hang out with a friend or your spouse, volunteer. Are we intentionally making the decision of how we want to spend our time? Or are we allowing our time to slip away? ⌛️

        What about shopping online with a business like Amazon? What are we missing?

        Delayed gratification. Money. Social interactions.

        Amazon is like a genie in a bottle. Make a wish for a product and it arrives lickity split except for that whole exchange of money 💵 thing. 2️⃣0️⃣ years ago, if I wanted a new shirt, I would have to plan when I would drive to the nearest mall. The next thought would be checking to see if there was a sale happening soon so my hard-earned money 💵 stretched further. I might have planned to go with a friend to make it a more enjoyable experience. 2️⃣0️⃣ years ago, I would intentionally plan when I would shop, how I would spend my money, and who I would bring along with me. All the planning and thought also meant I was delaying my gratification of getting a shirt right away. We say “no” to our children because it’s not healthy to have a piece of candy anytime they want it. Are we saying “n”o to ourselves often enough to ensure we have a healthy delayed gratification muscle? 💪

        What about a service like DoorDash? What are we missing?

        Cooking skills. Health. Money. Family heritage.

        Beyond the excessive expense of the service, fast and processed food 🍕has eroded our health. Our bodies need nutrient dense foods 🥗. If we cooked more often at home, we would have better control of the ingredients we are putting in our bodies to nourish them well. Developing cooking skills are being limited by allowing restaurants to do it instead. Cooking is a major life and survival skill. There’s no need to be a Chef, however, everyone needs to know their way around a kitchen, how to plan a meal, and know where ingredients are in the grocery 🛒 store. What about your grandmother’s recipes 📝, something your mom or aunt always made? Is it possible that family heritage is slipping away without the knowledge, practice, and cooking skills to keep them going? Regardless, you are paying a hefty price 💲 for convenience.

        Don’t get me wrong. I have a Netflix subscription, an Amazon Prime account, and I have DoorDashed on a rare occasion. These options aren’t wrong, however, it is VERY easy to slip into living your life on auto pilot. The endless scrolling, buying, and eating out because it’s easy. There’s a price 💲 to pay for convenience. There’s always a price!

        One very valid argument is our busy, hectic schedules demand that we continue moving at lightening ⚡️ speed. I agree, our schedules aren’t slowing down and I would suggest using these options as measured 📏 conveniences. Measure them by being intentionally aware. Be intentional when you need to use them. Be intentional in the money 💵 you spend on convenience. Be intentional in what you are trading for your time ⌛️. Be intentional of how your decisions are impacting your health 🩺. Don’t lose yourself in the haze of busy and put your brain 🧠 on autopilot. Live the life you have to the fullest and intentionally choose what works best for you. Let’s be aware of what modern conveniences provide, how they can make our lives easier, and let’s also consider what we are missing or giving up by using them. Be intentionally intentional with your time ⌛️, money 💵, and health 🩺.

        Perspective Confessions

        Discovering grounded truths in an uprooted world

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