Your Life Upgraded: You Matter

Close your eyes. Picture where you want to be a year from now. Five years from now. Forty years from now. What do you need to make that happen?

We want to help you make your money dreams a reality. That’s why Ellevest’s online investing platform is goal-based — you tell us what your financial goals are and when you want to hit them, and then we’ll suggest an investment plan designed to help you slay.

Of course, investing comes with risk, so nothing’s guaranteed. But investing has historically been more powerful than saving alone, and Ellevest’s projections show you the amount we estimate you’ll end up within 70% (or more) of market scenarios going forward.

So let’s do some dreaming.

Upgrade Your Life

Your rainy-day fund

What your savings is now: Intentions? Good. Reality? Let’s go with “working on it.”

Maybe you have some savings in an account that you started one day when you were feeling inspired. And maybe you usually resist the urge to “borrow” from that savings when things get tight, but some moments have been more tempting than others. (Hi, tapas night.) After all, you can always pay yourself back later.

But maybe you read something recently about how a financial emergency can swoop in and cause utter chaos. And you’re determined to save more … tomorrow.

Enter: Ellevest’s Emergency Fund goal, which helps you to gradually save up three to six months’ worth of take-home pay in cash.

What your savings could be like in one year: You’ve got several months’ worth of your take-home pay stashed away in a designated emergency fund, waiting to back you up if (when) something goes wrong. It feels really good knowing that you have a security blanket — and you’re ready for whatever.

Financial freedom to buy a home

 

Your living situation

What your home is now: Maybe you have two roommates who are mostly great, but who also occasionally don’t clean up after themselves and/or invite unexpected overnight visitors. It’s annoying enough that you’ve started thinking you want to move when the lease is up — but coming up with the cash for a security deposit would not be fun.

Or maybe you and your partner are dreaming of owning your own place together someday. Or maybe you’re starting to plan for kids, and you’re definitely going to need more space. Or maybe it would just be nice to have a shorter commute … and a functional garbage disposal … or even just like ten more square feet of living space.

Enter: Ellevest’s A Place to Call Home goal, which helps you invest toward a home down payment with a default timeline of six years (although you can always change our plans’ timelines to fit your goals).

What your home could be like in six years: You walk through the front door of your home (which you own) and hang your stuff in the coat closet (which you own).

Hear that? That’s the sound of ~not having roommates.~ Or maybe it’s the sound of your fur baby running to greet you as you come in the door. Or maybe it’s your custom sound system playing that song you love so much. Or a kiddo. Whatever it is, it’s home.

Financial freedom to do what you want in your life.

Your kiddo’s future

Your family sitch now: Maybe you just welcomed a tiny human into your home (congrats!), or maybe you’re planning to someday. Kids are unbelievably cute, but you know that they’re probably also going to cost you a lot of money when they get old enough to start doing things that … you know … cost money.

You want to afford whatever they’ll need. But also, you’re now ridiculously busy (and tired), so you’ll figure out how you’ll pay for them … someday.

Enter: Ellevest’s Kids Are Awesome goal, which helps you invest to build a fund for

things like summer camp, extracurriculars, etc., with a default timeline of six years.

What your family sitch could be like in six years: That munchkin is very cute, especially when you’re taking copious videos of them on the soccer field. Or the ballet stage. Or the dojo. Or all of the above — you may have a prodigy on your hands, tbh.

Financial freedom to do what you want when you want.

Your career

Your job now: It’s … fine. You guess. It pays the bills. But you aren’t exactly passionate about what you’re doing, and you don’t wake up excited to go to work every day. You’ve got this itch that says you were always meant to work for yourself.

But you’re probably not quite ready to make the move yet. That genius business idea still needs some testing. Plus, if you quit your job now, you’d be quite broke.

Enter: Ellevest’s Start a Business goal, which helps you invest to pay yourself two years’ worth of salary so you can take that leap. It has a default timeline of five years.

What your job could be like in five years: HEY ENTREPRENEUR. You left that blah job and set off on your own. Your new company has a name and a prospective audience, and your fundraising process is underway. You’re on top of the world. You’re unstoppable. You’re the boss.

Invest with Ellevest to provide for your own dream lifestyle.

That one thing you’ve been dreaming of

Your birthday this year: Four words: “drinks with the girls.” (Another two: “frozen margaritas.” No use denying it.) You’re surrounded by people who love you and who you love back, and life is good.

But that upcoming milestone birthday? That one, you want it to be big. You and the girls will go all out … if you can swing it financially, that is.

Enter: Ellevest’s Big Splurge goal, which lets you invest toward … whatever it is you want. No default timeline; it’s however long you have left until you’ll need the money.

What your birthday could be like on your next milestone: The sound you hear? It’s the voices of your absolute favorite people as you chat away the afternoon sipping wine and eating cheese in a villa in the south of France. (Or trail hiking in Patagonia. Or on a private island anywhere.) You’ve been here for four days, and you have three more ahead of you. Life is goooooood.

Your future grandma self

Your retirement account now: It’s there. It has some money in it. Maybe you’re contributing enough to get your employer match, but you aren’t sure if that’s enough. You’re guessing that you should probably be doing more, but … it’s not exactly the most urgent thing you have to think about, moneywise. And how are you even supposed to know how much you’ll need?

Enter: Ellevest’s Retirement on My Terms goal, which helps you plan and invest for retirement using a super special algorithm that takes your real-life info like your age, income, earning power, and gender into account.

What your actual retirement could look like: You are doing whatever your heart desires. Maybe that means you moved somewhere where you can read by the beach every day. Maybe you’re traveling the world. Maybe you’re pursuing lifelong passions and learning something new each day. Maybe you never retired at all — because you seriously love your job — but you’re doing it differently these days. Maybe you have lots of grandkids you spoil rotten. Maybe you’re on a couple of boards of directors. Maybe you’re doing some other really freaking cool stuff like this or like this. (Or maybe, in fact likely, more than one of the above.)

Enjoy the confidence of financial security

Your financial confidence

How you feel about money now: Maybe you have a love-hate relationship with your money. On the one hand, you’re already doing some good things for yourself. (Truly — why else would you be reading this?)

But maybe thinking and talking about money makes you feel a little squirmy. Because you’re sure that you could be doing more for your future self, but you just haven’t figured out what that is yet. And it’s easy to put it off. (Guess what: You’re not alone.)

Enter: Ellevest’s Build Wealth goal, which helps you invest to just bump up that net worth. It has a default timeline of 20 years. According to our research, the act of saving and investing is the #1 driver of women’s confidence in their future. Meaning just getting started can help you feel good about where you’re going.

How you could feel about money after you start investing: You started with just a few dollars a month, and then you gradually worked your way up (like a boss). Now, you’re doing Future You a favor by investing a good chunk of your paycheck every month. You feel great about your money choices, because you know that you’re making smart moves.

Spoiler alert: These life upgrades don’t have to be just dreams. You can get started right now. In fact, it just takes minutes.

So what are you waiting for? GIVE ELLEVEST A TRY

“I’m excited to work with Ellevest to start conversations about women and money. If you become a client, I will be compensated.”

I DO NOT work with products or services that I don’t honestly believe in. 

 

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Have A Say In Your Own Financial Security

Have A Say In Your Own Financial Security

Desktop juggling business & baby things.

It wasn’t that long ago that women had no say in what was done with the finances. Men made, spent it, saved it, and doled it out. Some even had the nerve to call it an allowance to buy groceries for the family.

Over the years while much has changed some things haven’t. Women may make their own money, they may even pay their own way, but we still act as if money is a four-letter word. That needs to change if we’re ever going to consider ourselves equal to men.

Sallie Krawcheck, Co-Founder & CEO of Ellevest has this to say about money:

Talking money is hardly romantic, but it’s totally necessary for any serious relationship. Whether you’ve got a ring on it, are domestically partnered, or sure you’re in it for the long haul —regular money talks are a must.

As we grew up we were taught that it was not polite to talk about money. It was hidden behind a shroud of secrecy that didn’t do any of us any good. Even some of the smartest women make huge mistakes when it comes to money. It’s an ongoing process where you have to be flexible and able to pivot quickly.

Sallie Krawcheck, Co-Founder & CEO of Ellevest, who spent years in the finance industry had this to say about her very own finances:

“After my divorce, I had to deal with the painful and embarrassing realization that while I made my living working in finance, I had no clue what my ex had done with our money during our marriage. (Believe me, I still shake my head when I think about it.)”

 

I’m partnering up with Ellevest.com to not only broaden my own horizons and become money-wise but to share with you important facts that you may need to know to make smart financial decisions as women & as entrepreneurs. Whatever our career choices we need the facts to live our best lives.

Ellevest is a company co-founded by Sallie Krawcheck. It’s an investment company geared especially toward women like us. Women that want to make smart, informed decisions about the life we want to live.

After years in the financial industry, she had her “a-ha” moment when she realized that investing has always been for men and by men. She has made it her mission to change that. Ellevest is comprised of a diverse group such as Financial specialist, engineers, entrepreneurs, and many, many more.

69% of Ellevest team members are women
73% of our leadership team are women
37% of the Ellevest team are people of color

According to the NY Times, women were 80% more likely than men to be impoverished by 65 & older, while women 75-79 were three times more likely to fall below the poverty level. I want to change this future. I want to change my future and now is the time to do it.

Ellevest allows you to create your own financial investment plan absolutely free. If you dream of that restaurant of your very own, or maybe you want to go back to school, or visit Istanbul you need to make a plan and set financial goals the right way.

Ellevest can teach you how and did I mention that it’s FREE? I mentioned earlier that I’m partnering with Ellevest to bring this information to you. If you create your own free financial plan I will earn a small commission from the company. If you decide to check it out and create your own plan please use this unique link so that I may get credit. I really appreciate it. As always, I’m very opinionated and brutally honest. If I thought it was a waste of time I wouldn’t be involved.

I think it’s time we took control of our own financial destiny and not leave it to the men any longer. What do you think? Do you have a financial long term plan? Do you have a dream that you want to fulfill? Let me know in the comments below.

GIVE ELLEVEST A TRY!

“I’m excited to work with Ellevest to start conversations about women and money. If you become a client, I will be compensated.”

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Why Now Is The Perfect Time For A Re-Design

Why Now Is The Perfect Time For A Re-Design

Pink & gold flatlay desk

Are You Tired Of Looking A The Same Old Tired Website?

When you visit other websites are you green with envy?

I get it! I love color, all colors, and when I come across a pretty new color palette or an amazing font comes across my desk I start designing in my mind automatically and before I know it I’m putting the changes on my own sites or those of my clients.

I’m going to tell you a secret…

I can trust you, right?

I don’t always practice what I preach! SSHHHHH! Don’t tell anyone, but I struggle with branding because I get bored so easily. You’ve heard me and a whole lot of other experts tell you that consistent branding is necessary for brand recognition, but nobody tells you that IT’S SO DAMN HARD!!!

I’m constantly experimenting and if I could spend my days making graphics I would. That’s my favorite thing in the whole world! Speaking of…Did you know my DIY BLOGGING/TRAVEL site WanderingWebDesigner is having a grand opening sale and now until Jul 31st you can get 30 custom graphics for $30!!! That is a hell of a deal 50% off of the regular price! Better hurry though this amazing offer ends 7-31-19. If you looking for web design tips, travel recommendations, or your just trying to figure it all out by yourself then this is the site for you!

Anyway, back to branding. I get bored easily so changing out designs for graphics or website graphics seems like a necessity to keep my business looking fresh and user-friendly. I love pretty pictures (can you tell) so whenever something catches my eye I have to have it. I have a fabulous subscription to Styled Stock Society where I get all of my images exclusively for this site. I pay a small fee once a year and every month I get so excited to see the new images in the library and there’s no limit. As you can see I’m a huge fan of the flat lay desktops.

The best place to find professional images, videos or music for your website or social media is Shutterstock. You’ll find anything you’re looking for from foodies to fashion. You can use free sites like Pixabay or Unsplash, but free doesn’t always cut it when you need to create consistent & professional branding. As a special gift to you, they are going to give you a 10% discount just for being a loyal reader! Use this link and bump your game up!

Best professional stock images on the market.

Choosing the right imagery & graphics is just as important, if not more important than copywriting, color palettes & font choices. When creating a brand you want your ideal customer to feel a certain type of way when they see your content. Let’s face it, today’s world moves at warp speed and we need to keep up. People no longer read, they visualize and scan so having the right imagery is really the only way we have to stand out and grab attention.

For example, I want my clients here on The Blogging 911 to feel confident & empowered. The way I accomplish this is by connecting the technology to run their businesses and setting up system automation to save time & money while giving their clients & customers great user experience. I work with mostly females because I love what I do so much & I want you to love what you do just as much. It’s life-changing. For me to be a success you need to be successful.

So, Why Is It The Perfect Time For A Re-Design You Ask?

Because when you purchase our design or branding package you don’t just get a fresh, modern look. You get the full experience where you’re in the driver’s seat to your own destiny. Right now, I’m throwing in a lot of Summer bonuses that don’t normally come with the design/branding package.

  • A full video tutorial teaching you how to use your new site + a Skype session to answer any additional questions. ($150 value)
  • You know that you’re building on one of the best website frameworks on the market thrown in at NO EXTRA COST! ($60.00 Value)
  • Your choice of child themes from StudioPress from my theme library (A $49.99 to $149.99 Value).
  • Things like SSL Certificates are always included. Provided by Bluehost.
  • You also get one full year membership to the website maintenance plan ($149.99 value) so that you can use your new website knowing that someone is there to help, to answer your questions, to keep the site updated and backed up. To hold your hand through the whole process for A WHOLE YEAR!!! Who does that?!?

It’s like having an insurance policy for your website!

You won’t have to:

  • Worry about conflicting plugins.
  • Worry about backing up your site.
  • Worry about updating WordPress.
  • Worry about backing up your theme.
  • Worry about backing up your plugins.
  • Worry about optimizing your database on a monthly basis.
  • Worry about running a monthly malware scan twice a month.

If you’re new to WordPress you will receive a detailed video explaining the various parts of your new website and best practices when it comes to using it. Even if you’ve used WordPress you might like to watch it and maybe find out things that you didn’t know.

Another reason now is a great time for a redesign is because we’re in the Summer Slumps, those few months every Summer where people have nothing on their minds but spending time with family & friends, enjoying vacations, or just lounging by the pool! Get ready for the busy holiday seasons now. Create a plan from publishing new content to creating a sales funnel, email sequence or setting up a shopping cart & Facebook ads.

I only work with one client at a time so that I can give them a 100% personal service. So you better hurry, spots fill up fast! A re-design is more cost-efficient than a build because the foundation is already there which means it costs less & takes less time than a standard web design/branding package. Turn around is generally 2 weeks instead of the 4 to 6 weeks it takes to build out from scratch.

Pageviews always decrease during the Summer months.

Which means it’s a perfect time to freshen up that website, dust off the cobwebs, add a much-needed enhancement, upgrade your website security, or just move things around. It’s the perfect time to put a content marketing plan in place.

I’d love to talk to you about your ideas, dreams or wishes! Need something other than web design? Need to connect analytics or maybe set up an email sequence? Check out the shop over at WanderingWebDesigner.com

Right now I’m offering a web design/branding package for over half off the usual pricing! This is for established websites only.

Get a consistent, beautiful new look that will be shared across all platforms.

Have you been dreaming of carving out a brand for your products or services that will turn sales on autopilot!

You better hurry!

I don’t know how long I can afford to keep this pricing!

$500

 

 

*This post contains affiliate links. If you purchase I will earn a small commission. It will in no way affect your pricing.

 

 

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Women In Biz #4 Penelope Bianchi

Women In Biz #4 Penelope Bianchi

Welcome to the fourth in our “Women In Biz All Around WordPress” feature that will run the 1st Sunday of every month. It’s a new series where we spotlight amazing women and the ways in which they have used WordPress to spread their message, sell their products, or provide valuable services.

The hope is to inspire other midlife women to build their online businesses and find what we’re all looking for; financial freedom, a lifestyle they love, and excitement they may have been missing! All of these women are clients of mine who have inspired me over the years and I think they will inspire you as well.

This month I want to introduce Penelope (Penny) Bianchi from McCormickInteriors.com. Penny is a long-time client of mine who is an interior designer extraordinaire. She designs for the rich and famous as well as for friends and relatives. She has been featured on countless TV & magazine pieces.

Penny is a strong woman who doesn’t let life get her down. Over a year ago, she was evacuated from her home because of extensive fires in her Montecito neighborhood. She spent Christmas in a hotel with her husband and dogs while firemen worked to keep her home safe.

I’m happy to say that they did save her beautiful home, but just a few months later she was evacuated again when torrential rain caused devasting mudslides that destroyed so many places around her house. Luckily, while suffering massive damage her house still stood and she began the arduous work of removing tons of mud and debris. She handled these traumas with such grace that it really spoke a lot to who she is as a person.

Let’s hear from her:

Tell us a little bit about you:

I have been an interior decorator for fifty years. I love it. I lived in Pasadena, California for my whole life until 23 years ago we moved to Santa Barbara. I have clients still in Pasadena, as well as Santa Barbara.

 What made you first decide to build a blog or website? How long have you had your site?

My niche is a small group of affluent residential customers. 

Of all of your blog posts or pages on your site which is your favorite?

My gallery is my favorite pages of my website. It shows very different houses I have decorated over my career. I think they are all timeless and do not look trendy or dated. That is my goal. 

What is your favorite social media platform and why?

Instagram because it is so visual. 

Do you find WordPress easy to maneuver or do you avoid the back end like the plague?

Easy to maneuver

Is your site a business that makes money or a passion that makes your heart sing? 

A business that has been very successful for a long time. 

If you use your site for business what do you sell or what service do you provide?

I do not advertise or sell from my website but rather, tell my prospective clients to see my work. Sometimes, clients find me by seeing my work on my website. 

What is one thing you’d like people to know about you?

That my goal is to decorate and furnish people’s houses beautifully and to reflect them and their lives I avoid trends and believe in investment quality furniture and accessories

In Montecito, she lives next to celebrities like Oprah Winfrey (who is her next-door neighbor), Ellen Degeneres, & Rob Lowe!

FACEBOOK | INSTAGRAM | PINTEREST

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