budget Archives - rainbowsoverruins

When we experience financial loss, we feel pain. Money is a very powerful word for most people. And when our cash flow is disrupted or doesn’t exist, or when we lose things we have accumulated, we feel it. Therefore, one of the most beneficial things you can do after a disaster is to restore your financial house once it is in ruins.

After our landslide, we found that we could have used more guidance in this area. I would have welcomed a “Disasters for Dummies” style book at the time so I thought you might like to meet someone who can give you sound advice too.

That’s why I asked Jeanette Pavini to join me on my podcast Rebuilding Your Life: Moving from Disaster to Prosperity. Jeanette is a consumer and investigative reporter specializing in saving money. You may already be familiar with her as she has a consumer show called The Real Deal, has appeared as a guest on The Today Show and USA Today’s video network. I get to work with Jeanette regularly as she is a family member on Hallmark Channel’s Home and Family.

Jeanette and I had a chance to talk on set which helped me gain an insight into her passions for cash and savings. Jeanette told me that she had come to the realization that Old World wisdom, tips and stories from her Dad have a timeless appeal, and mix well with her research and contemporary recommendations for thousands of articles on the topic of savings. She is in the process of capturing those tidbits for a new book.

One of Jeanette’s core philosophies is that we have lost our relationship with cash. That’s unfortunate because we are much more careful about spending when we have to use actual money. It is easier to stay on a budget with cash. In sharp contrast is our overuse of credit. Jeanette acknowledges that credit can be helpful at certain times, however, all too often we become dependent on credit in a negative way.

Her comments make for very sound advice when you are in recovery mode so I enjoyed my conversation with Jeanette. She also shared a few resources that may help you. She recommends Debtors Anonymous, not only for the information, but also the sense of belonging with other like minded individuals. And if you are trying to wean yourself from habitual use of credit, she recommends the Consumer Credit Counseling Service of San Francisco. They help you bring down your interest charges and get you on a plan.

There were several good takeaways: Do not use your retirement money to pay down your bills. Pay more than the minimums each month. Find the extra dollars to pay those extra amounts in areas of flexibility in your budget and leave those credit cards at home when you go shopping.

Come meet Jeanette at Rebuilding Your Life 1008 Jeanette Pavini on Money. The URL is ssherayko.audello.com/podcast/2/. Or http://goo.gl/OkAtqk.

You too can rebuild out of ruins and Jeanette has some very practical advice to help you do just that.

To Your Success,

Susan

Testimonials

“Susan uses her whole brain when crafting solutions. She knows how to visualize the result she wants and then build the structure to support the dream. She constantly prods people who are stuck in one way of seeing something into realizing new paths to take up the mountains of success. Now she is willing to share her unique approach to creating success systems with people who are ready to go the next level in their business and personal lives. I would sign up for her seminars and coaching program quickly because once the word gets out the waiting list is going to be long. I can’t think of anyone else I would trust more with creating the logistics for launching a new endeavor. Susan knows how to create successful enterprises and she is willing to coach you to your next success.”

Kate Maxwell
Hypnotist, Spiritual Life Coach
“Susan ran the Producers Guild of America seminars program for years – and while she was heading it up we had an amazing array of well-produced, always-well-attended and interesting seminars and “evenings with” events. She has a real handle on putting together top-notch panels, finding guest speakers and outlining the main topics for the seminars, as well as a great attention to the details needed to pull these off. I highly recommend her and her fantastic skills.”

Tim Gibbons
Executive Producer, HBO’s “Curb Your Enthusiasm”, Governor, Producers Peer Group, Academy of Television Arts and Sciences
“When the Producers Guild of America merged with the American Producers of America, limited benefits were available for a fast growing membership. Susan Sherayko stepped in and created the most successful enrichment programs possible for the PGA. She became the Chairperson of the Seminar programs and was able to offer the membership an opportunity to learn the essentials of how to be a better producer of TV, Motion Pictures and Syndication for many leaders and icons in our industry. The subject matter was vast as each seminar attempted to instruct the producers in a vast array of subjects. Susan produced or was responsible for the vision of this stellar committee. Turnout of attendees for these seminars was consistently gratifying in both in numbers and approvals. The legacy of Susan’s organizational skills and execution is exemplified by the continuing programs being offered today for the PGA membership…now over 4000 members strong. Thanks, Susan, I personally enjoyed attending your seminars and afterwards felt more confident and wiser. ”

George Sunga
Executive Producer, “The Jeffersons”, Governor, Academy of Television Arts and Sciences
“Calm, Serenity, Wisdom, Patience, Empathy. These are the characteristics that I think of, when I think of you. Throughout our relationship, you have always “shared only and freely” with me. You have never been judgmental (of anyone really) or unkind with words. Your ability to take in all the information surrounding a situation, process it in a kind, loving and logical way and then interpret the information back in such a way that I feel that I too can learn and grow from the experience, whether it was mine or not. Susan, I believe that you are a conduit, maybe not the right word…a channel…o.k. I laymen’s terms, you are the glue that holds us all together. If I were ever in a crisis…I’d want you to be with me more than anyone I know.”

Toni Casala
Owner, Children in Film