Savvy Shopping

No matter how you’re doing financially – shopping can be a daunting experience. Whether you love it or hate it, no on wants to buy something and regret it the next day. I’m also so intrigued by the things retailers will do to try and get shoppers to spend more money, which I was recently reading about online.

For example, did you know that studies show that you spend up to 40 percent more if the size of your cart is doubled “because you subconsciously want to fill it.”2 I don’t know about you, but I think that’s really good to keep in mind when you go shopping! Whether you grab a basket or skip a cart completely, don’t fall for that mind trick.

Another thing to remember? The racks at the end of store aisles aren’t necessarily on sale. In many cases, manufacturers pay to have their products featured at the end of an aisle. It’s a location that catches your attention – and hopefully has you shelling out dollars for that item you never would have noticed before! I find it interesting how much location can play a role in purchasing decisions!

I know those are just two small things, but it’s something to remember when you’re at the store. Primerica taught me how money works, but I’m still always looking for ways to be sure I’m making the best decisions with my money. I don’t want to fall for one of these subtle shopping tricks!

Finding Balance

I read an article recently about the results of a poll about women in the workplace. I already knew much of what the article discussed, such as the fact that most women earn less than a man would in the same job, but it still astounds me to see how little has changed in the last 15 years.

What struck me most from the poll, however, was that the results revealed that 66% of women feel that balancing their work and home life is nearly impossible. While this number has gone down over the years, it’s still unnerving that so many women have this mindset and burden.

There are so many reasons that I love Primerica, and this is absolutely one of the biggest. This business gives woman an equal opportunity for success. If you earn less than someone else in this business, it won’t be because of your gender. I’ve also got the freedom to set my own hours, so it’s not a struggle to balance work and family.

I’ve got the freedom to live life on my own terms. There’s something to be said about having that kind of an opportunity – to provide for your family but still spend time with them! I wouldn’t want it any other way.

On The Map

In the words of Gwinnett Daily Post writer Camie Young, “Primerica isn’t just one of the biggest companies based in Gwinnett. It is now also a place on the map.” I enjoyed reading this recent article about the recent developments with the brand-new Primerica International Headquarters.

What an exciting time it has been for Primerica! From the naming of Primerica Parkway to the grand opening celebration, things have been busy since Primerica first announced it was on the move.

While I’m really excited about Primerica Parkway, I love that they’ve renamed the second street Freedom Way Avenue. What an amazing way to highlight our goal to educate Main Street families about how to achieve financial freedom!

Walking around the new International Headquarters, I was struck by the touches that highlight Primerica’s history and how it has become what it is today. I already believed in the mission of this company, so I’m now really proud that we have headquarters that celebrate our past and highlights where we are headed in the future.

There’s nothing like visiting the new International Headquarters. It is truly an experience that you don’t want to miss!

Searching For A Cure

I recently read an article about Primerica Home Office employees who are taking part in the American Cancer Society’s Cancer Prevention Study 3. It may seem like a small thing, but I’m more grateful than ever right now that there are so many men and women who are fighting to find a cure for cancer.

The survey, which covers men and women between the ages of 30 and 65, has already recruited around 185,000 volunteers. It aims to identify lifestyle, environmental and genetic elements that cause or prevent cancer. For the first time, this study will also analyze blood samples from its participants.

“That will put us in a very strong position to look at the interplay between lifestyle and genetics,” explained the study’s strategic director, Alpa Patel.

Every little bit helps in this fight to find a cure and eradicate a disease that has touched so many lives. It’s so encouraging to know that there are people around the world celebrating survivors and doing their best to put an end to cancer!

I also found out that Primerica donates between $30,000 and $40,000 to the American Cancer Society each year. Is there anything better than being in a company that values giving back and supporting organizations that are making the world a safer place? I certainly don’t think so!

Plan for the Worst

There was a recent article on CBS MoneyWatch.com about “The 7 Deadly Financial Mistakes.”The article referenced a recent survey by Primerica and the Consumer Federation of America that found that two out of three Americans believe they have made at least one bad financial decision.

Jill Schlesinger, the author of the article, then discusses some of the most common mistakes she’s seen people make with their money.

I completely agree with Jill about number one of her list, “Failing to maintain an adequate emergency fund.” Not having any money saved for an emergency is one of the worst mistakes you can make! It’s a mistake that can completely wreck your finances – because if your savings account is empty in a time of need you’ll be making some desperate decisions in order to make ends meet.

Your financial situation can change in an instant, and it is vital that you have enough money in your savings account. You definitely don’t want to turn to the money you’re saving for retirement.

You’ve got to plan for the worst when it comes to your finances. It’s better to be prepared when trouble hits than to be scrambling to find a quick solution!

Leaving a Legacy

Hearing Angie Reed talking about making a difference in other households and creating a legacy for her family really hit home with me. One of the main reasons I wanted to be a part of Primerica was so that I could create a legacy for my children.

I’ve told my story before, but I love hearing stories from others about how they were introduced to Primerica and how it changed their life for the better.

My life will never be the same!

Mission to Help Main Street

Primerica recently conducted a joint survey with The Consumer Federation of America and found that two-thirds of middle class Americans acknowledge having made financial mistakes. One of the most disheartening things they discovered? The mistakes made were often costly ones.

The report, “The Financial Status and Decision-Making of the American Middle Class,” revealed that most families in Main Street America are really struggling. Burdened by debt and often without any savings, it’s hard for many to stay afloat in this economy.

Despite acknowledging financial mistakes, many Americans still believed that their ability to make financial decisions is “good” or even “excellent.” That’s shocking to me!

Read more about the recent Primerica survey. I’m so thankful that this company is on a mission to help Main Street families!

Being a Working Mom

I’ve mentioned my story on this blog before – how my husband’s illness prompted me to consider the Primerica opportunity. As the mother of five, I was worried about whether I was able to take care of my kids and my husband’s medical expenses. It was an incredibly scary time.

However, our finances weren’t my only concern. My heart was at home with our children. I wanted to be able to provide for my family financially, but I also wanted to be there for them every day. Whether it was school sports or trips to the dentist, I didn’t want to miss watching my kids grow up because of work.

From my experiences, this is a concern for most working moms. It’s often so hard to find a balance – to feel like you’re fulfilling both roles. A typical job often lacks flexibility, which can mean choosing between work and family.

We put all this pressure on ourselves to be the best. Last year, USA WEEKEND profiled Ann Curry. They wanted to know how one of the highest-profile working mothers does it all. I found one part of her interview very telling. When she was younger she felt that she “[…] had to be perfect at work, perfect at home, keep a perfect house, have my kids be perfectly dressed, always be happy, always make the food that they wanted, made sure they got into the right summer program.”

Women at all levels feel the strain of being a working mother. We want to do everything, and do it perfectly. I was actually drawn to the Primerica opportunity because of its flexibility. I realized that I wouldn’t have to worry about being there for my kids. I cannot tell you what a relief that was and how thankful I was for it!

I still had moments of stress and frustration. Building a business takes time and energy. The best piece of advice I could give to any working mom is to remember what really matters: letting your children know how much they are loved. You won’t be perfect at everything. Do the very best that you can, at work and at home, and trust that it’s enough.

Breaking the Glass Ceiling

LifeHealthPro recently interviewed me for an article about women in the life insurance industry. Although women have been in the business for more than a century, they wanted to find out if women are still on uneven footing with their male colleagues.

Don’t you find it sad that this question is still up for discussion? I remember when I started with Primerica in 1981. Then, even more than now, it was a completely male-dominated field. There was only one other woman in Primerica when I joined! Although that was discouraging, I truly believed that I had the opportunity to help people. I was determined to make it in this industry.

As I indicated to LifeHealthPro, I started to realize that what motivated me to succeed was the knowledge that I was helping someone. I was passionate about the value of life insurance. It didn’t take me too long to realize that many women didn’t have that same conviction. If you don’t care about what you’re selling, you’re so much more likely to just give up. A higher turnover statistic when it came to women seemed to indicate that it wasn’t worthwhile to recruit women. But I knew that just wasn’t true!

Thankfully, Primerica realized the value of women in our industry earlier than many. In 1996, I was actually tasked with working on a project to promote women in the business. We wanted women to know that they could make it with this business opportunity – whether they worked full-time or part-time!

Today, the Women in Primerica program is going strong. Our female leaders come from all walks of life. I’ve met former nurses, teachers, homemakers and executives that took advantage of our opportunity and have found success. I firmly believe that a woman needs to be able to see that she can succeed, which is why I’m so passionate about the program. It’s inspiring to be surrounded by successful women.

There has never been a better time to be a woman in Primerica!

Make Up Your Mind

One of the most powerful forces in the world is a woman with her mind made up.

Just let that sink in for a minute. Think about a time in your life when you made up your mind and were on a mission. A determined woman is powerful and unstoppable.

When I first started with Primerica, I was on a mission. With a purpose much bigger than myself, I wasn’t going to let anything stop me from reaching my goals.

I tell you this because I think it can be so easy to get discouraged and to question whether or not you’re good enough. Once those thoughts take up residence in your mind, it’s hard to get past them. If you begin to doubt yourself and your abilities, you’ll never be able to accomplish your goals.

That’s why you’ve got to make up your mind. Set your goals. Envision the things you want to achieve. And make up your mind that you are going to get there, no matter what it takes.

Your mind can either be your strongest asset or your biggest weakness. It can either help you imagine and plan for your success or it can cause you to doubt whether you’ll ever make it.

Don’t let your own mind throw you off track. Use it to your advantage. A woman that makes up her mind is a force to be reckoned with.