Co-authored by Nita Black and Paula Milner

Why do we get angry when someone makes an irritating comment? Why does being in a certain place or situation upset us? The Enneagram assists us by helping find the answers to these types of questions. As business owners, it is often very difficult to hold things together, particularly during a pandemic. Knowing how to stay calm can be hard for anyone.

What is an Enneagram anyway? Milton Stewart, the Founder of Kaizen Careers, shares that an Enneagram is like taking a personality test, rather than vaguely listing your likes and dislikes. It also explains your reactions and how you relate to events. The Enneagram is a 3×3 configuration of nine personality types in three Centers. There are three types in the Instinctive Center, three in the Feeling Center and three in the Thinking Center. Every Center consists of three personality types that have the assets and liabilities of that Center in common.

You might wonder why Enneagram should be important to a business owner and really anyone else who takes the test. Milton explains that the Enneagram gives you a deep analysis of your actions and “allows you to acknowledge them and make any necessary changes to react better to the circumstances.”

As parents and teachers, learning about Enneagram is a good idea to use in the classroom or as a home activity. As a school-teacher and passionate advocate for inner city kids, Milton agrees that it is advantageous to offer the Enneagram test as part of the school curriculum. The perfect add-ons to an Enneagram program for children include having them invest in ways of self- and personal-growth, offering them something positive to put in their ears daily, and providing advice on how to think about what they want to be when they grow up (not just for kids, for parents too!)

Over the next 12 months Kaizen Careers foresees making a positive impact on families and classrooms by offering three different online courses. An online coaching program is now being offered to parents who may be experiencing “cabin fever” while practicing the Covid-19 social distancing guidelines while staying home from work with their kids. Also, the company plans to launch a new book on the Enneagram which will be used in conjunction with Enneagram services offered.

If you want to explore the use of the Enneagram both during and after the Covid-19 pandemic, please reach out to Milton Stewart with Kaizen Careers, so he can share his extensive knowledge of how to use the Enneagram to stay calm during a Pandemic in your home and your business.
If you love your business and have a passion for doing what you love to do, but need help with the business side of things, please contact us. We hope you enjoyed this blog – co-written by Nita Black with and Paula Milner with Kelem VA
Empowering Business Owners to Reach Their Full Potential!

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Let me guess: You are a woman over 55, getting busy with holiday preparations, traveling plans, and family gatherings with children and grandchildren. Maybe you have your business matters to wrap up and touch base with friends. Or maybe, for once, you just want to stay home alone.

How do you balance everything at the end of the year: the time you spend (coming and going), the energy (going out of your way to nurture someone in need), and the money side of things?

Years ago, as the holidays were approaching, I was going through a painful divorce, having to be a single mom to my two daughters at 3 and 5. It was December, and I had landed my first job as an accounts payable clerk at a national bank.

This was a great opportunity for me in a lot of ways. However, it broke my heart to leave my girls during the day with their Grandma so that I could work at a paying job. My monthly salary was $450. My house note was $387. That did not leave a lot to pay for food, clothing, utilities, and transportation.

With two young children and working, I was always behind on doing laundry. Like it was yesterday, I remember my friend Jennifer stopping by on Christmas Eve to say hello. She helped me fold clothes! So, that year, she was my “Santa Claus.”

We all need a thoughtful friend, so let me share 5 tips I’ve used to help myself and others to keep smiling.

Tip #1: Smile at Everyone

Smiling prevents wrinkles – seriously! When I look at pictures of my Grandmother, I see myself in her, and not just because fat cheeks run in our family. When we smile, it’s like a Christmas tree, all lit up. And when we frown, our checks sag, showing how unhappy we are.

Even if you don’t have fat cheeks, smiling creates positive energy that boosts your spirit from the inside. It’s a great way to help yourself be happier while also spreading the feeling to those around you.

You should try smiling at someone who looks miserable. If you keep smiling, they will almost surely follow your example.

Tip #2: Give Time to Someone New

If you’re not yet retired, or have decided to continue working a bit longer, you probably know that getting paid by the hour defines time as money. So, giving time to someone new – helps you keep things in perspective.

When I say ‘things’, I mean having a home, a family, food in the fridge, transportation to come and go, network of friends, other things. Think about making a ‘blessing’ list of all the things that you have, which you often assume everyone has.

When temperatures were below freezing last year, I met someone new at church – a guy named James. He was sleeping under a bridge with cardboard as a mattress and a thin blanket coverlet.

He told me he was new in town and had landed a job that started the next Monday. After he got paid, he would be able to rent a room somewhere until he could afford something better.

James made me think about all the things I was taking for granted in my life. James was simply thankful to have a job lined up and had no complaints of his current circumstances. He made me more aware and got me thinking about how I could share what I had in ways I had not thought of before.

Tip #3: Balance Your Checkbook Before Going Shopping

Years of balancing your checkbook (or maybe not enough years?) have probably made you despise doing it. But go ahead and balance it today. Why? So that you can plan ahead for any extra expenses during the holidays.

One method I have used in the past is the envelope system. With so many bank transactions now electronic, sometimes it is easy to lose track. So, you can simplify the balancing process by setting aside money for gifts and party expenses using an envelope for each category.

That way, your budget is in each envelope, and you can manage how much you spend or save during this time of the year. When the envelope is empty, hopefully you will have made all your planned purchases and will not be tempted to keep on spending money that you don’t have.

Of course, these holiday spend envelopes would be in addition to keeping up with your regular bills and expenses. However, starting the new year with a clean slate and being up to date on paying your bills creates a good feeling!

Tip #4: Look Up and Out, Never Giving Up

For those of us who own a business in retirement, we are familiar with the phrase “working on your business, not just in it.” This tip is to look up and beyond today.

You might consider using the following steps for goal-setting and timelining your next steps:

What is it that you want to accomplish next year? (For example, make another $1000 a month = $12,000 next year.)
What action steps do you need to take in the next 30 days to work toward accomplishing your goals? (For example, identify and connect with job opportunities that you expect will lead to at least $250 additional income every week.)
How do you want to measure success? (For example, number of contacts made for job opportunities; number of contacts who said “yes”; dollar amount earned toward the monthly goal of $1000 in additional income.)
Repeat every 30 days for 12 months to reach your goals for the year.
You may also find helpful my Cash Maker Goal-Setting Calendar template, so email me if you want to try it out.

Tip #5: Prepare for the New Year

In the preparation stage is where the real fun begins, when we purge the old to let in the new. This tip is twofold – financial and non-financial.

Do Up the Financial Side
Gather all your financial and other documents for the previous year to organize for your year-end reporting. Consider using Dropbox or Google Drive to scan and digitally store your yearly documents, setting up similar files for the coming year.

De-Clutter Your Home and Office to Free Space
Make a visual inventory of your home and workspace to identify clutter. This is an ideal time to de-clutter by storing or discarding items (or even giving things away) that are not creating joy in your life.

By de-cluttering, your mind will be more agile so that you can engage in new conversations and new activities without being bogged down.

Use these tips to help you do what you love and enjoy what you do! Be blessed.

How do you prepare for the holidays in relation to your personal and business life? What tips do you have for ending the year with a smile? Please share in the comments below!

Let’s Have a Conversation!

A few years ago, three partners of a local CPA firm sat around the table talking. All of them were Baby-Boomers in age and they talked about what would happen to their 20+ person firm after they retired.

Two choices seemed logical. One, they could entice a larger firm to buy them out or, two, they could hire and train staff to replace them. Either choice required work to build value in the firm and maximize the anticipated “sale” of the business in the future.

At some firms, seasoned Baby-Boomer partners are preparing to exit within the next ten years. They may have children (or grandchildren) in the family who are being groomed to take over the business.

(Eighty-four percent of multi-owner firms surveyed in 2016 by the American Institute of CPAs said they believe succession will be a big issue for them in the next decade.)


Planning your future exit from the business can differ depending on the size of the business.  Regardless of the industry you are in, training future partners in advance is important for Baby-Boomer entrepreneurs to plan for.

Some businesses include mandatory requirements in written agreements, describing how an outgoing partner must transition clients to work with their replacement.  Partners or co-owners who opt to sell their part of the business may encounter roadblocks because the market is saturated in their area of expertise. This poses a challenge for soon-to-be retirees and their firms.  Planning in advance will increase the probability of a successful sale for those who hope to sell their career-long business at an acceptable price.

Young professionals who are looking to buy in to an existing business must be sensitive to business founders approaching retirement, as many have spent their careers building their firms and may be hesitant to step away.


If you are a young Millennial looking to buy out the owners or you’re a partner or co-owner who is planning on retiring soon, open and ongoing communication is a key element to successful transition.

At some firms, particularly those providing professional and technical services on things like taxes and financial matters, owners can decide to expand their firm now to avoid a leadership gap when they retire. The business might establish specialties in specific areas so that the founder can appoint younger talent to lead in those niche services.  Existing owners may think about when to strategically give notice of retirement to co-owners, so that younger leaders have a firm timeline for when they’ll become partners.

In one business, with a staff of about 10, the co-owners re-organized to have multiple people serve a single client.  This makes a client more likely to stay with the firm when the founder or co-owner leaves the firm.  Ten percent of multi-owner CPA firms surveyed by the AICPA in 2016 reported that they’ll likely look to merge with another firm after their current senior owners retire.

In a merger situation, large firms may shop for specialty expertise in smaller businesses, related to their industry.  They’re likely to ignore a firm without a strong niche. Firms who avoid technology, like using paper instead of cloud-based systems, may drive away interest from a potential buyer.

Ten years ago, small firms most often merged with larger organizations because they lacked a succession plan.  That’s changed, with many firms now merging as a strategic move. Large firms may offer pricey technology, for example, that small firms need so that they can compete and reduce costs.


As Baby Boomers retire, younger entrepreneurs have immense opportunities to buy into a solid firm.  However, generations may clash. For example, a retiring founder may choose to meet with clients face-to-face, while on the other hand incoming partners could pick email communication.  There is a huge opportunity for multi-generations to learn from each other on those fronts.  However, buy-out deals can fall apart because of different philosophies on how to do business.  Planning in advance will mitigate fall-out and maximize returns for the founder(s) when they are ready to exit.

Experience success!

NIta Black, CEO/Business Strategist

“We provide business tools to help clients monetize their ideas.”

According to the Pew Research Center, 38% of daily newspaper readers are ages 55 to 64, while 50% are older than 65.  People 50 years and older watch the most television, Nielson reports.  Baby-Boomers were born between 1946 and 1964.

Top Magazines Read by Boomer Women

Many of the top 20 magazines in the U.S., according to Statista, have significant female boomer audiences.  (Source: – Sept. 2016)

AARP reported reach of 44.78 million readers.  59% of readers between the ages of 50 and 69 are women.  Below are stats reported by AMA for other top magazines:

77.5 million readers
73% are women
32% are Baby-Boomers

Better Homes
48.12 million readers
81% are women
51.5% median age

45.52 million readers
48% are women
50.0 median age

Digital Savvy

The younger end of the Boomer age range may be computer-savvy, while the older end may be less compelled by digital outreach. The Nielsen report suggests younger boomers must be using the web: the 50-plus segment spends almost $7 billion online.

The internet is also boomers’ primary source of intelligence when comparison shopping for major purchases.

Today, the marketing focus remains on the younger generation. “I agree that 18 to 34 is still the celebrated demographic,” says Denise Fedewa, Leo Burnett’s executive vice president and strategy director. “There’s both ageism in our culture and ageism in our profession of marketing. But some of it’s not even malicious ageism. Some of it is just, ‘I want my brand to feel young and modern and youthful, and the only way to do that is to be targeting it to the young and modern and youthful.’ But that’s simplistic thinking.”

The Baby-Boomer age range also includes a variety of caretakers: some are still caring for their own children, some have taken adult children back into their home and others are caring for their parents. Baby-Boomer women are often in transition between caring for children and focusing on herself, which changes spending habits.

Willing To Change Brands

It is important for a marketer to understand the female boomer audience, to address certain myths.  For instance, that she’ll use the same brand of hair spray or soap that she started using at age 28.  Brand proliferation has completely changed the marketplace.  Research shows that Baby-Boomers are willing to try a new brand if there is better customer service, as opposed to a better price.

Willing To Spend

Are Boomers saving for retirement? Yes and no. We shouldn’t just assume that Boomers are only interested in saving their money. They’ve worked a long time to save their money and to spend their money.

They may be looking for something new such as a faster computer or sporty car or nicer furniture. It’s their turn now, after years of spending money on their kids.

Research shows that Boomers think of themselves as ten years younger than they are. They are not sitting around wrapped in a blanket in an old rocking chair. Boomers in their 50s are very different from women in the 50s when they were growing up.

Marketers typically use images of extremely active Boomers or very old, nothing in-between. Fedewa says, “It’s like they’re either showing Boomers as a feeble person who’s no longer relevant, or you’re showing them as this uber-in-shape person who can do what a 25-year-old can do,” she says. “That’s not relevant, and that doesn’t resonate with people, either. Those are some of the clichés we need to overcome.”

Universal Insight

There may be ways to reach the female boomer without specifically naming her or featuring her image. Fedewa ran LeoShe, a Leo Burnett effort that focused on marketing to women 45 years and older.

The study found that women took pride in their wisdom, experience and in feeling good about their current phase in life.

“Yes, it would be nice for society and culture to acknowledge boomers a little more, show them a little more inclusively, to include them in visuals and so on,” Fedewa says. “But there are also certain universal insights, certain formative times in your life, that people have. They continue to be able to relate to those experiences for the rest of their lives. I don’t want to say the only way to appeal to boomers is to show boomers or to portray insights about boomers, because sometimes it’s just human experience insights that will resonate with them, too.”

Fedewa says much of her work at Leo Burnett has considered the voice of the female consumer and the older consumer, and she also espouses the idea of changing the story. “We feel really energized by this opportunity to change the conversation,” she says. “We have almost taken it on as a mission for ourselves.”

Experience success!

NIta Black, CEO/Business Strategist

“We provide business tools to help clients monetize their ideas.”

Baby Boomers are those born between 1946 and 1964, making them 54 to 72 years old, and the U.S. Census Bureau indicates an estimated 74.1 million of them in the U.S.

Photo:  Carolyn Michael-Banks
CEO/Founder of A Tour of Possibilities, LLC ~ at the LevelUp Conference 2018

The estimated number of Boomer women is 38.44 million. In addition to their existing assets, Baby-Boomers are set to inherit $15 trillion over the next 20 years. Add to this the fact that women drive 70% or more of all consumer purchasing.

Despite these figures, Nielsen estimates that less than 5% of advertising dollars are targeted to adults aged 35 to 64. According to the report, “Typically, once a group of consumers reaches the so-called ‘cut-off’ age of 49, marketers ‘go back to go,’” the report says.

Knowing more about Baby-Boomer women can help you market to them. 7+ facts:

1. Once the college bills are out of the way and children launch their own households, the discretionary spending power of 50-plus women soars. They spend 2.5 times what the average person spends. Women are the primary buyers for computers, cars, banking, financial services and a lot of other big-ticket categories.
– Marti Barletta, Primetime Women

2. Born between 1946 and 1964, Baby-Boomer women represent a portion of the buying public no marketer can afford to ignore. With successful careers, investments made during the “boom” years, and inheritances from parents or husbands, they are more financially empowered than any previous generation of women.
– Mary Brown, Carol Orsborn, Ph.D., Marketing to the Ultimate Power Consumer—The Baby-Boomer Woman

3. Over the next decade, women will control two thirds of consumer wealth in the United States and be the beneficiaries of the largest transference of wealth in our country’s history. Estimates range from $12 to $40 trillion. Many Boomer women will experience a double inheritance windfall, from both parents and husband. The Boomer woman is a consumer that luxury brands want to resonate with.
– Claire Behar, Senior Partner and Director, New Business Development, Fleishman-Hillard New York

4. The number of wealthy women investors in the U.S. is growing at a faster rate than that of men. In a two-year period, the number of wealthy women in the U.S. grew 68%, while the number of men grew only 36%.
– The Spectrem Group

5. Women account for 85% of all consumer purchases including everything from autos to health care:

  • 91% of New Homes
  • 66% PCs
  • 92% Vacations
  • 80% Healthcare
  • 65% New Cars
  • 89% Bank Accounts
  • 93% Food
  • 93 % OTC Pharmaceuticals

American women spend about $5 trillion annually…over half the U.S. GDP.

6. Women represent much of the online market – Digital Divas by The Numbers

  • 22% shop online at least once a day
  • 92% pass along information about deals or finds to others
  • 171: average number of contacts in their e-mail or mobile lists
  • 76% want to be part of a special or select panel
  • 58% would toss a TV if they had to get rid of one digital device (only 11% would ditch their laptops)
    51% are moms

Source: Mindshare/Ogilvy & Mather

7. Women and sports. Women make up:

  • 47.2 % of major league soccer fans
  • 46.5% of MLB fans
  • 43.2% of NFL fans
  • 40.8% of fans at NHL games
  • 37% of NBA fans
  • Women purchase 46% of official NFL merchandise
  • Women spent 80% of all sport apparel dollars and controlled 60% of all money spent on men’s clothing
  • Women comprise about one-third (34%) of the adult audience for ESPN sport event programs

Source –

Here’s what research says, as provided by Jan Marino,

As the unofficial spokesperson I feel compelled to let you know what I’m hearing from 10K of my closest boomer friends. Here’s a list of ten things that we Boomers want and need from service providers:

  1. Explanations and education about your product or service intelligently delivered informing us why we should invest in your product. 
  2. Options about what the trend of the service/product is … i.e. what’s its “shelf life” 
  3. Engagement with us. We really want to mentor and help others not make the same mistakes we did. We may appear arrogant, but we’re not…we just don’t want to be ignored. 
  4. We want you to know that we control over 70% of the disposal income in this country and we have lots of places to spend that money. We won’t spend it with companies that ignore us or call us aged or aging (even if we are both … you don’t need to remind us). 
  5. Use clever and well thought out campaigns for marketing. Don’t be afraid to go mobile. Offer us deals and great products especially women’s clothing. We have lots of money to spend on clothing, but not many of us can wear a size 0 or show our midriffs. 
  6. We are health conscience and not as worried about our sex lives as ads claim. Help us stay in shape and look good. 
  7. Our pets are part of our family and we think they need stuff, so we’ll splurge on them. 
  8. Our parents are a huge part of our lives and we are taking care of them. Products and services that makes life easier for them and us will sell if treated in an intelligent way…. i.e. NO cold calling…form relationships with families. 
  9. Reinvention and career services that help us stay on top of trends and technology are imperatives. We want to stay well-informed, so we can talk to our children and grandchildren. 
  10. We still care about changing the world and philanthropy. Get large numbers of us interested in worthy causes. We fully understand that the earth’s resources are limited, and alternative methods hold great returns.

NIta Black, CEO/Business Strategist

“We provide business tools to help clients monetize their ideas.”

In looking back and planning ahead, I realized that in the year 2000, I had a million dollar estate.  This included about $250k in real estate, $250K in IRAs, and about $500K in stocks, bonds, and money market account.  This helped me get comfortable with leaving a corporate job and striking out on my own.  I formed a business consulting company in 2001 and began helping people write a business plan and forecast cash. Using my previous experience in working with numerous privately held businesses, both small and large, I learned how much I didn’t know.  Planning and writing a business plan is one thing.  Implementing the plan is another.

In 2003, I opened a retail store near the University of Memphis.  Originally this was a music store for independent musicians and artists to have a place to sell their original music or artwork.  The store evolved over the next five years into a coffeehouse which offered live music and original artwork.  The whole experience was a trip!  Even though the store is now closed, I don’t regret making that investment.  During that time I figured out a few things and for some of us, we have to learn by doing it.  We can read about, talk about it, listen to others, watch others, but we actually have to do it and make adjustments as we go to be successful at it.

Between the stock market decline, costly mistakes I made in running a retail store, and vacancies in rental property, I burned through most of my cash and IRAs.  So now I am working on making my second million!

Making money usually happens inch by inch, yard by yard, mile by mile.  So how did I start to rebuild cash?  When my store closed, I was looking at unpaid bills and credit cards with high interest rates.  Initially I used a green columnar pad to forecast how much cash was needed to make regular monthly payments and to repay credit card loans.  After landing a job which paid every other Friday, I sketched out when money would be coming in and what money had to go out.  Squeaking by for a few months by deferring payments until the very last due date, my credit report was not severely impacted.  I am now down to one credit card balance with three credit card lines open.  My spreadsheet includes money coming in from all sources (when and how much), expenses associated with one rental property, expenses associated with the business consulting company, and ongoing monthly expenses such as utilities, insurance, food, clothing, auto maintenance, mortgage note, charitable contributions.  At the bottom of the spreadsheet are goals for how many clients I need paying at an average ticket price to cover the business consulting company expenses and also make a profit.  If I had more than one rental property, this section of the plan would include the number of tenants with average rent paid in to cover expenses and make a profit.

The spreadsheet is now on my computer and ends up being one page so I can carry it in my purse.  I use it as a tool to make decisions on how much to donate to others, how much should go to savings, how much is forecasted in each area, and then how much is discretionary for other things.  This helps me control spending and stay focused on the plan to increase cash within my own personal limits.  It includes my day job, pet projects, the rental property numbers, and a savings plan for the next “project”.

Sometimes it is hard to talk with others about money.  So there, I have told you at least part of my story.  I made it, lost it, and am re-building it.  Life is not all about money but I like to see progress in accomplishing my goals which are now written and revised when needed.  There are many people who are like me, trying to figure it out as we go, working hard to keep the pieces of the puzzle together.

The last quarter of the year can become quite stressful, especially for those of us over 60. In some parts of the world, October is filled with more outdoor events with family and friends because the weather turns cooler while the sun is still generous.

November brings traditional Thanksgiving dinners, often with large family gatherings and lots of cooking. We buy more food and cook more, which results in higher utility bills. During December, many of us exchange gifts with family members, friends, and clients.

All of this will cost us more money than we spend in any of the other months of the year.

We love our families and want to be engaged with them, but most of us need to do it in a cost-effective way. If we plan ahead, the financial part can be managed. Here are some things to consider.

Tip #1: Organize Your Records Year-Round

Take time to organize your financial records year-round in ways that are fun, so that you will love doing it. Start by looking for the best organizer tools that will make your life easier.

If you are a ‘paper’ person, we suggest that you shop for a cool three-ring notebook in your favorite color, colorful 1-15 numbered tabs, and clear sleeves that can hold documents with several pages. (Estimated cost = $30 US for materials plus an hour of your time to shop.)

Just so you know, my favorite color right now is lime green and my notebook is so cool!

One three-ring notebook should last for an entire year. Label it on the outside so that you can find it easily. For instance, you could write: “Your Name – 2018 Records”. Set up your tabs to organize “Cash In” and “Cash Out.”

Tabs can be named for things like monthly bank statements, monthly credit card statements, important receipts, past years tax returns, a cash budget, real estate records organized by property address.

If you are a ‘digital’ person, set up these same tabs as a folder on or on Google Drive.

To get you started, a sample Table of Contents for your tabs or digital folders is shown below:

  • Bank Statements (including copies of cancelled checks and deposit information)
  • Credit Card Statements
  • Child Care Costs
  • Transportation Costs
  • Insurance Policy and Monthly Receipts
  • Charitable Contributions Receipts
  • Cash Budget – Current Year
  • Retirement Account Statements and Contribution or Withdrawal Documentation
  • Tax Return – Last Year and Year Before
  • Income Records – such as Pay Stubs
  • Medical & Healthcare Records – such as Explanation of Benefits, Invoices Received/Paid, Lab Reports
  • Birth Certificate & Passport
  • Property Deed and Real Estate Information – by Property Address
  • Automobile, Other Vehicle – Titles and Other Information
  • Calendar of Deadlines for Filing Taxes and Dates to Pay Bills

Tip #2: Annual Cash Budget

Prepare a cash budget annually for each month during the year. This is a tool that you can print to keep in your three-ring notebook (or digitally) to refer to from time to time. Your budget will help you stay on track so that you are able to sleep at night and not worry about finances.

I recall the year 2008 when I closed my coffeehouse. We had been open for five years and, although it was a lot of fun, the coffeehouse did not make a profit. At that time, I put together a monthly cash budget to manage “Cash In” and “Cash Out.”

I used a one-page Excel spreadsheet and printed a copy to carry in my purse. That way, when I did have money to spend and needed food, clothing, or gas for my car, I would pull out this one-page budget to help me prioritize what to buy with the money that I had.

This budget tool was a life-saver for me and it helped me save my personal credit also – by being able to pay bills on time, using my budget as a guide.

These days, I still use a monthly cash budget to estimate how much I will need to pay bills, when they are due and what amount should be left over for savings or to put back into my business. Your budget should include all “Cash In” and “Cash Out.”

Be sure to include necessities like food and medicine, plus auto repairs and gas if you own a car, or transportation costs. It should also include entertainment and planned discretionary expenses. (Estimated time to prepare budget = 1 to 3 hours annually and half-hour updates monthly.)

Tip #3: Use Event Calendars

Consider developing an Entertainment, Birthday, and Special Events Calendar to help you track all activities a mature woman must engage in. This will help you plan ahead so that you can manage your money and organize your expenses.

If you own a business in your 60s, this type of calendar becomes even more helpful. It will help you know how to plan your spending on activities that are sporadic as well as spontaneous.

For a complimentary one-page calendar design, email Nita Black for a copy. (Estimated time to prepare calendar = 1 to 2 hours annually and half-hour updates monthly.)

Use these ideas to help you do what you love and enjoy what you do! Be blessed.

How do you organize your finances? Have you tried going at it on a monthly basis rather than doing it annually? What tools do you use to help you organize your finances? Please share any strategies that you find useful!

This article first appeared on Sixty & Me