What Do You Do When You Meet a Frown?


Have you ever woken up grumpy and it seems the entire day is filled with frowns and darkness? I sure have!!

Weekday mornings used to come very early for me as a Seminary teacher with a 6:15 AM class filled with sleepy Freshman and Sophomores. I got up dark and early so that I have time to get “cutified” (sometimes more so than others) and grab something…anything to eat as I run out the door with my daughter who attended the Junior/Senior class.

Occasionally, I found myself struggling to get moving, but not today. I awoke this morning dark and earlier than normal (3:45 AM to be exact) with the song, “Smiles” playing in my head. It’s a song I adored when I was a child in Sunday School. Having that song run through my head made me giggle inside and I immediately began the day counting my blessings. The last several days I have woken up with migraines and today I am migraine free. Big SmiFortnight Lilly Out My Windowles for the gifts of health and feeling great!! I thought of the Fortnight Lillies outside my bedroom window and how God fills every corner of the Earth with beauty if we would just simply look for it. Big Smiles for those gifts too! I thought of each the gifts and talents my children have been blessed with and how much those gifts are actually a gift to our family and others in our sphere of influence. I remembered back to a great basketball game Jon and his team played and how he felt so honored to have been “scouted” and asked to come and play with the Middle School team and how much he has grown from that experience. Big Smiles for those gifts as well!

I find that the best way to turn Frowny Days into ones filled with Big Smiles is to put on some new glasses! Through the Lenses of Gratitude, the world looks brighter and more beautiful. Wearing new glasses lets me see the Hand of God in everything and I begin to smile at the Tender Mercies He so lovingly gives me, His Daughter.

I hope this day will bring you Big Smiles!!  Will you do me a favor?  If you chance to meet a frown,  please make the world a better place my passing your smile on and helping someone else have a blessed and beautiful day! When we each take actions to put a smile on our face and pass it on to others, we make the world a better place!!

PS. Isn’t Little Sarah cute?! :-) These pictures were another gift I found dark and early this morning!! :-)

When Was the Last Time You Said Something Nice to Yourself?

Feeling Bad about Not Doing Enough

So many times we put so much pressure on ourselves. We say critical things to ourselves both consciously and subconsciously. Some statistics even say that over 70% of what we say to ourselves is negative. Today I want to share with you a system I call, “Ways to Praise” that you can implement in any relationship and specifically with yourself to feel empowered, confident, and successful!

It has certainly helped me to more successfully fight the battle with feeling like I was not doing enough, being enough, or just plain “not enough” as a person.

Below are some powerful Ways to Praise yourself and others!! As you take actions that matter towards the transforming of your mind and the words you speak, you will notice positive shifts in all areas of your life! I can’t wait to hear how you will show support for YOURSELF and those you love through SPEAKING Powerful Praise! 😉 

• Wow!
• Way to go.
• Super.
• You’re special
• Outstanding.
• Excellent.
• Great.
• Good.
• Neat.
• Well done.
• Remarkable.
• I knew you could do it.
• I’m proud of you.
• Fantastic.
• Superstar.
• Nice work.
• Looking good.
• You’re on top of it.
• Beautiful.
• Now you’re flying.
• You’re catching on.
• Now you’ve got it.
• You’re incredible.
• Bravo!
• You’re fantastic.
• Hurrah for you.
• You’re on target.
• You’re on your way.
• How nice.
• How smart.
• Good job.
• That’s incredible.
• Hot dog!
• Dynamic.
• You’re beautiful.
• You’re unique.
• Nothing can stop you now.
• Good for you.
• You’re a winner.
• Remarkable job.
• Beautiful work.
• Spectacular.
• You’re spectacular.
• Great discovery!
• You’ve discovered the secret.
• You figured it out.
• Fantastic job.
• Hip, hip, hurrah!
• Bingo!
• Magnificent.
• Marvelous.
• Terrific.
• You’re important.
• Phenomenal.
• You’re sensational.
• Super work.
• Super job.
• Fantastic job.
• Exceptional performance.
• You’re a real trooper.
• You are responsible.
• That’s exciting.
• What a good listener.
• You tried hard.
• You care.
• Beautiful sharing.
• Outstanding performance.
• I trust you.
• You mean a lot to me.
• You belong.
• You make me smile.
• You brighten my day.
• I respect you.
• You mean the world to me.
• That’s correct.
• You made my day.
• That’s the best.

Family Financial Cents: Building Credit and Why You Want To

Here are a few resources mentioned on the Family Financial Cents segment on Sacramento and Company! Take a look at the article on restoring credit as well.

How does your credit report and score affect you and why is it important to build credit?

  • People can get loans faster.
  • Credit decisions are fairer.
  • Credit “mistakes” count for less.
  • More credit is available.
When should you start building credit?
Just like you should find a car before you need a car or a place to live before you move out of your parents home or the place you are currently living, you should have a good credit history built, before you need to be able to access a line of credit. If you don’t already have good credit or you have a “thin credit file”, TODAY would be the best day to begin building your credit.


What are some ways you can get started building credit?
First, get a job! That may sound obvious, but even with thousands of dollars in the bank, my college-age son was denied credit because he couldn’t not prove consistent income for the last six months. Next, consider finding someone to co-sign on a small loan or credit card with you. My husband, Jerry, bought my engagement ring that way over 23 years ago. His sweet Aunt Carla was willing to be his co-signer. Not only did she help him get a beautiful ring for me, she helped him build his credit too! You may also consider a secured loan. If you have an asset that is completely paid off such as a car, try going to a bank or credit union and give them the ownership paperwork to the asset and they may grant you a loan that way. Jerry and I did this with our second car when we were newly married. We gave the bank our car title and took out a loan to help purchase Mary Kay products to start my Mary Kay business. This helped both of us build our credit and provided me with items to immediately deliver to my clients as I grew my business.  There are lots of other ways!! Think outside the box on options that might be available to you with a little creative thinking!


How can you find out what is listed on your credit report and how often should you check your credit report?
 You can get a FREE copy of your credit report one time per year from each of the three major credit reporting agencies. I would suggest getting one report from each agency every 4 months so that you can monitor what is going on for the entire year. If you are married, have your spouse check their credit on 3 months that you did not check yours so that you have reports on joint credit accounts for 6 out of the 12 months of the year.
 Remember today to take actions that matter to building your credit now so that you can enjoy more choices later.