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Do you have money left over at the end of your month or month left over at the end of your money?

Have an end-of-the-month budget balance evaluation that works for you.

In every area of your life, it is a good idea to evaluate how you did during the previous month and to plan for the next. Your financial situation is no exception.

The first question you must ask yourself is, did you have money left over at the end of your month or did you have month left over at the end of your money?

I hope you took a percentage of around ten percent off the top of your income for savings. You want at least $1000 (or equivalent in your area) in easily accessible savings that you can use in case of an emergency.

Give yourself a pat on the back if you still have money in your bank account at the beginning of the month. You are doing better than 64% of people living in the United States. If you find yourself short however and your bank account is empty at the end of the month, now is a great time to evaluate what happened that made you short. If you cut into the 10% that you took off the top for savings, you’re still not where you need to be, so if you come up short, ask yourself these questions. Was there an illness, or was there some other emergency that came up? Did you have a major unexpected car repair? Did you go on a shopping spree or out with friends on an unplanned event? Look at all possibilities and then strategize how you might be able to avoid that next month.  If you had an emergency, then be sure to put money back into your savings account next month.

Look at how it is that you have money left over at the end of the month. Did you work overtime? Did you make an unexpected windfall from your business? Did you do that well in saving money? By determining how you were able to have money left over at the end of the month will help you determine if you can continue doing that or if you might want to change things so that you don’t have to work so hard.

If you paid off one of your credit cards or loans, celebrate in some way. You have increased your financial situation considerably and have more money each month to invest in yourself instead of someone else. It’s like money that you no longer have to work so hard to get because that bill is no longer part of your financial equation.

If you find that you’ll have more money next month, designate as much as possible to your emergency fund as necessary. If you already have a solid $1000 in your emergency fund, I suggest that you consider investing your savings into food, especially in the autumn months.

Take Advantage of Fall Harvests

Food is one of those expenses that each of us needs to invest in every day and you’ll get the biggest return on the money you invest when you invest in food in the fall.

During the fall months, especially this year, it will be important to make certain that you have a sizable amount of food to last several months. Farm and garden harvests come in during the late summer and early fall so getting food in bulk during this time and preserving it to last for the next several months is an excellent way to make your savings work for you—big time.

Many kinds of fruit and vegetables can be bought during this time. I remember when my eldest son was a baby I went to an auction and bought a bushel of pears for about $4. I canned it and had it for several months. Around here there are a number of these auctions that occur every year. If canning is your thing, this might be a good way to invest any money you can spare during the next few months.

Also, a lot of ranchers are cutting back on stock right now and meat is apt to cost less in the autumn than it will be in late winter and into the spring so if you have freezer space, invest in meat if possible. We talked to someone this week who has beef for sale for $4 per pound and we’re buying 20 pounds.

The same is true for grains. Grains have also been recently harvested and are more likely now to be more available than they will be later in the winter and in the spring. Grains can be bought in bulk which can then be used for making bread and breakfasts. A fifty-pound bag of oatmeal at half a cup per meal and be used for 571 meals for one person. A fifty-pound bulk bag of oatmeal costs me about $30 dollars where I live.

Six Months’ Worth of Food

I like to keep six months’ worth of food available in my home at any one time. I would suggest to anyone that getting extra food to last for six months should be the next step after having established an emergency fund.

And Beyond

If you have six months’ worth of food, then you can go ahead and either work to pay off debt, invest in your business, or increase your savings so that you have six months of relatively liquid assets to use to pay expenses for that long.


When we learn to do anything, it is hard at first. When we learned to walk, we fell down a lot. Then we got good at walking and now we can get up and walk across a room without consciously thinking about what we do. We were walking in flow.

When you learned to drive, you had to think through each move you made. You thought out every move we had to make. Think about what it was like when you came up to your first traffic sign. You had to know when to let off the gas when to put on the brake, and when and how to put on the blinker. You needed to remind yourself to look both ways before crossing an intersection. You had to think about how to turn the steering wheel. After practicing those driving skills over several weeks and months, you no longer had to think about what you were doing. The actions became automatic. You were driving in flow.

When you learned to read, you had to learn the alphabet, the sounds the letters made, and the words that the sounds produced. You had to string the words together to make sentences and then those sentences to make paragraphs. Soon you were reading and not even thinking about the words that you were reading instead, you were picturing the scene and feeling the emotions of the characters. You read in a flow state.

The same thing can happen with writing. You can develop writing skills that make writing flow just as easy as walking. You can learn to write in such a way that all you need is an idea and a few subtopics, and you can write a scene or an article very quickly because you learned how to write in flow.

Here are a few skills that every writer needs to learn so that they can best write in flow.

Learning Spelling and Grammar

Knowing how to spell words and knowing how to put a sentence together is the backbone of writing in flow. If you don’t know how to spell or how to put words down into a meaningful pattern, it’s difficult to write anything that makes sense.

Reading and reading a lot of good contemporary literature can help you in this skill.

Making a game of learning “spelling words” that you are likely to use regularly is a good practice if spelling is difficult for you.

Writing and writing regularly will help you over time develop this skill as well.

Learn Touch Typing

Years ago, I was in school, I had to write a lot of essays about the subject matter. In one class we had to write something that was due every Friday. The assignments took me about an hour to write, however, another student complained that the assignment took her over five hours to complete.

It wasn’t that I was smarter than she was. It was that I could type faster than she could because I had learned touch typing. QUERTY touch typing is a skill that helps me think of a word that magically comes out of my fingers onto the screen. I hadn’t learned touch typing until after I was out of high school, but it really came in handy when I was in college and for me as a writer of both articles and fiction. I don’t have to think about the individual words because I learned the fingering on the keyboard to the point that it is automatic. Yes, it took time to learn but it saves me so much time now.

Learn to Compose on the Computer

Right along with learning QUERTY keyboard fingering, I learned to compose on the computer. This is probably a skill that younger people know because they grew up writing on screens, but we old folks had to learn after the fact. Back in the old days, I wrote things out on paper and then had to transpose them to the computer screen. Now it is as simple as thinking the word and letting my fingers do the rest.

Journaling

Getting into the practice of sitting down to write every day is another critical skill that writers should do. Not knowing what to write is probably more crippling to a writer than not knowing how to write. Therefore, journaling is the next skill I recommend developing for learning to get into the flow.

Journaling is simply sitting down and writing your thoughts on the screen. Unlike many people, I don’t journal on paper, but I journal on my computer as a document in Microsoft Word. I type the date and then start typing. If I don’t know what to write, I write I don’t know what to write but. . . and then write whatever comes into my mind next. Often, when I don’t know what to write,  I will set a timer for fifteen minutes before journalling and then just keep typing until the timer goes off. Sometimes nothing of any value comes out of the journalling experience, but most of the time I find something that I can use.

Gathering Ideas

Writer’s block happens when you don’t have any ideas or ideas that you think are good for moving forward in a project. Writing a list of ideas that you can go to when you need an idea is one of the ways that you can avoid writer’s block and find your way into the flow.

Creating an Outline

Some people seem to think that there’s something constricting about writing using an outline, but I find that I get into the flow better when I have an outline. Writing an article or a story without an outline is like driving a car to a place where there are no signs indicating where to go. It’s easy to get lost.

I remember one time a co-worker of mine invited me to his house. He lived down a dirt road where there were no signs. He told me that if I just kept bearing to the right, I would eventually find his place. Instead, I ended up coming out where I started. I never did find his place.

The same happens when writing. Without an outline, it’s easy to go down a lot of rabbit holes that end up needing to be deleted or where I realize that the storyline isn’t going anywhere, and I must start over.

Putting it All Together

Any one of these skills will help you improve the flow of your writing but putting them all together will exponentially help improve your ability to get into the writing flow.

If getting into the flow of writing is difficult for you, which skill do you think would help you the most?


I am making money selling articles online! I have been writing a lot on a platform called Medium lately. I wrote almost every day in June last year and now as of July 27, 2022, I have started my own publication on the platform!

Medium Reader Program

The Medium Reader Program is a paid reader-supported platform where readers support writers on the site by reading articles on subjects that they want to read.

The cost is five dollars per month or fifty dollars per year and you can read as much or as little as you like. You can allow yourself to be put on the email list of your favorite authors on Medium so that you are able to read what they wrote. Once an individual subscribes to Medium and has paid for their month or year, the individual becomes a Medium Member, and they get access to every article or story that Medium carries. Click this link to become a Medium member.

To find topics or stories that you’re interested in, you can type a subject into the search bar in the upper left-hand corner of the screen. A drop-down bar will bring up people, publications, and tags based on that topic. Click on a person, publication, or tag, and the articles will display on your screen.

Medium Partner Program

Medium offers an online money-making program to writers called Medium Partner Program. These authors write articles or stories on their own profiles and many also include their articles in publications. These publications include stories by other authors that are related to the author’s story that is included in that publication.

In your profile, you can write on any subject, niche, or genre you prefer. You can also request a publication to take you on as a writer so that your article has the exposure of that publication.

Getting Paid to Write

Authors start getting paid once they have 100 followers and getting 100 followers on Medium is easy. I even wrote an article on Medium about that subject. Here is a FREE friends’ link to an article How I got Over 100 Followers in a Month.

Create Your Own Publication

One thing I just started on Medium on July 27, 2022, was creating my own publication which I call Tightening the Belt. It is about how to save money every day. For a FREE taste of the articles on Tightening the Belt one of my articles is Eat Less Meat for a Healthier Body and a Healthier Wallet

 Once you’re a writer on Medium, If you would like to write for my publication, I would love to have you. Check out Submitting to Tightening the Belt.

I really enjoy writing for Medium. It is a great way to start writing to make money.

Would you consider supporting me and other writers on Medium? For $5 a month ($50 per year), you get unlimited access to all the fantastic articles by the writers on Medium. Click this link to become a Medium member. https://donnabrown-18232.medium.com/membership

To read my future posts on Medium, feel free to follow me. I look forward to keeping in touch with you there!


Starting your week on the previous Friday, your month during the last week of the previous month, your year in December will make your business more productive. (Public Domain Photo)

In my book The Ultimate Keystone Habit, I wrote about ways that I like to start the day the night before. On the days that I incorporate this habit, the following day goes so much better, and I am so much more productive. On the other hand, on those days that I don’t start my day the night before, things don’t go as well the following day.

I like starting my day the night before. I set out my clothes, set up the coffee maker, have the dishes done, make up my plan for the next day, and journal what I am grateful for. Then I go to bed and in the morning because I know what I need to do, there’s no room for procrastination. I begin my morning routine and then get to work doing what I planned for the day.

I recently realized that prepping for the next step isn’t limited to the next day. I can prep for the next week on the Friday before.  I can start then next month the last week of the previous month. I can even start the year at the end of the year before. It is something that no one talks about, but it is a surefire way to 10x a life or a business.

Setting up a plan for the next week would be something that any of us can do. What do you plan to do next week? What are your priorities? Prioritize your week so that you are doing things that move your goals forward and don’t just keep your wheels spinning. Even fifteen minutes working on your goals on Friday for the upcoming week move the “progress can down the road” in a good way.

Getting Ahead for the Week on Friday

As a writer, I like to go over the ideas that I gained during the week on Friday mornings. That’s what I am doing this morning. I am writing down this idea for a story for a publication on Medium called Tightening the Belt. I also have an idea for next Wednesday’s blog and several for my Medium stories.  I am trying to write a new article every day for the entire month of August. What’s amazing is that doing this also gives me time to work on my latest novel Two Rivers each day.

This doesn’t only apply to me as a writer either. Different people can use this system in different ways. If you’re a salesman, you could start your calls the Friday before-when you call if someone says, “Call me next week”, say ‘well, I have you on the phone right now, how about if we scheduled to meet up early next week. Which would you prefer Monday morning or afternoon?” If they say Monday morning works good for them, after your call give a ‘hallelujah’! If you normally have a boring Monday morning meeting, this might be your ‘get out of meeting’ free card because you have a potential sale in front of you. Ask to be excused and ask for minutes to the meeting so that you don’t miss out on any important information. Later in the week you can talk to a colleague about any questions you have about that meeting. You’re following up on a lead, missing a meeting that is a waste of your time, and you already have a great start to your week. You’ll also have a potential sale on a Monday morning where you would have had to use the morning and the afternoon setting up for future sales. Now, you can still do that in the afternoon, but you’ll also already have momentum for a good week ahead of you.

Getting a Head Start on Next Month

As a writer, I can get ahead for the next month first by setting up the plan for the month. I can do this the last week of the month. It only takes a few minutes each day.  The first thing to do during the week is to revisit my goals and determine what I have accomplished and what I want to accomplish toward my master goals that month. Once that’s done, I can assign a specific project for each week to accomplish thereby purposely scheduling those projects to take action on and make headway on my long-term goals.

In addition, I schedule in appointments and other activities that I already have planned for the month and plans. I can also brainstorm ideas that improve how I handle different aspects of my writing business.  

Getting Ahead for the Next Year

Many people start the new year in January and end up getting started with the new year either late in the month or in February and don’t really get the year in full swing until March. I have found that when I get started with the new year in December, I able to get more done in January and February than I would if I had started in the first week of January.

With everything else, it starts with revisiting the long-term goals and creating the annual plan. Every December, between the holiday festivities, I plan the next year. I determine what I would like to get done during each month of the year. I schedule and plan out launches for the year. I plan what January will look like. They don’t have to be detailed, and they will often change over the course of the year, but the plan is there because it is true that if I fail to plan, I plan to fail.

This system of organization can easily be adapted to a team or an organization. Fewer Fridays are wasted, and Mondays are less dreaded when people in your team or organization are encouraged to start at the end of the last period. It may seem like more work in the beginning, but soon you’ll realize that work gains momentum and you’re much more productive than you ever thought possible.


A man using blacksmithing tools
Blacksmithing became a barter skill on the Lewis and Clark expedition.

As I was doing my research on the Lewis and Clark Expedition (also known as the Corps of Discovery) Most of the information I am using for this blog comes from archives of the actual journals of the explorers themselves.

In my research, I have discovered that these men didn’t take most of the food or supplies that they needed with them. They either procured or built what they needed. Though Captain Lewis bought surveying equipment, medicine, and trinkets to trade to the Indians in Philadelphia and had the original boat built in Pittsburgh, some of the boats were built in Camp Wood (Dubois). They hunted, hunted fished and foraged for much of their food. If something broke, they either fixed it or replaced it. The men got good at making tow ropes on their trek upriver.

They didn’t simply hunt and fish to supply them with all their food and other supplies. Nor did they just trade trinkets to the Indians for what they needed. They also bartered their skills with the Native Americans.

The skill that proved to be best for bartering with the indigenous people was blacksmithing.

Two blacksmiths accompanied the expedition. One was Private Alexander Willard, and the other was Private John Shields.

Private John Willard

Willard was recruited at Fort Kaskaskia from Captain Amos Stoddard’s artillery company, He was convicted of sleeping while on guard duty, which was punishable by death. He was given 100 lashes instead.

In the Mandan village, both blacksmiths set up shop and spent the entire winter of 1804-05 fixing Mandan tools and weapons in trade for the corn they ate that winter and the corn they took with them on their continued trek west.

Willard often assisted Shields in his work during the first year of the expedition. Because of his misconduct, he was detailed to the return party in 1805. He later served during the War of 1812.Willard later served during the War of 1812.

Private John Shields

Shields was such an invaluable blacksmith that Captains Lewis and Clark broke one of their own rules and allowed him, a married man, to go on the trip with them. (Only unmarried young men were wanted for the expedition.)

During their winter on the Pacific coast, Shields demonstrated his talents to repair their weapons including Captain Clark’s favorite gun.

Shields proved so valuable that Lewis requested that Shields be given more than the salary given to most privates in the Army at that time.

I am enjoying learning about people behind the scenes of this great adventure by the Corps of Discovery. If you enjoy this series about these amazing explorers, let me know in the comments section below.

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