3 Ways to Get This “#Schmoney” in 2018

Let’s be honest, we all (#speakingformyself*), love Cardi B’s coined phrase, “Schmoney”!  We all love how her life blossomed in 2017 and how it truly was her year.  We all (well most of us *side-eye*) were cheering for her as we watched her win and we all declared that we wanted 2018 to be a “Cardi” year.

I hope we all also realized that her public blossoming was due to a lot of private, diligent, and committed work.

We love to see the shine, but hate to be a part of the grind. So in 2018, will your attitude and work ethic be different?

What are you currently putting your efforts toward in life?  What are you building?  What is your reason for going to work each week?  Do you work your 9 – 5 and then stop?

Are you currently building multiple streams of income?  Do you desire to leave a legacy for your family?  Do you desire to one day live with no care of money or bills?

I won’t claim to be an expert on money, nor tell you that I am a person living in the category of no care of money or bills. That’s currently not my truth.  However, I want it to be my truth and I want it to be your truth too.

Today, in the very first month of 2018, this is my truth. 

I am a person who is building, creating, and working with what God has given me, and  I am a person that is passionate about seeing others doing the exact sameI want us all to win.  I’d rather win with you.  I want us all to grow.  I want us all to be free from the hassle and stress of debt.

I may not be an expert on money, but I can tell you that there are very easy and simple ways that you can increase your streams of income in 2018.

I don’t have a “get rich quick” strategy and this isn’t a “get rich quick” blog, but I do believe that God blesses those who diligently work with what He gives them.

So are you ready to increase your streams of income in 2018?

Remember this isn’t about getting rich quick; it’s about building streams of income that will allow you to leave a legacy for your future generations.  


3 Ways to Get this “#Schmoney” in 2018



1. Find Your Passion 

I know, I know, you’ve heard this a thousand times, but it’s true.  What do you love doing?  What do you do easily and people always come to you for it?  There is your very first business.  

Start putting pictures of the product/services that you offer on your social media accounts.  When you are out in public and a stranger inquires about a service or product that you have to offer, be prepared, hand them your business card.

Develop your price packages now, prepare your elevator speech, ignore your fears and go for it!  Just begin, as you grow, God will continuously lead you into your next steps, but start where you are.  

I am telling you that 2018 is a year where you can feel this very motivating and thriving spirit all around.  People are tired of hiding, they believe in who they are, and they are going after what’s theirs. Don’t miss this movement; you have a gift this world needs. 

Don’t get frustrated if it’s a slow start, the important part is … that it’s a start.

J. Sherai

2. Invest

This can be as simple as the retirement savings programs at work or as broad as setting up your own personal trading account and taking your chances in the stock market.

Cryptocurrencies are a 2018 hot item to check out right now.  Although the market is very volatile, people have literally made millions from it.

Mutual Funds are a way to watch your money slowly grow without taking huge chances with the stock market.  If you’re cautious like me, then this is a great route to take, especially if you’re just starting out.

There are many different ways to invest your money.  Make sure you take advantage of any retirement savings programs where your company is offering you free money.  Don’t miss that money, it’s free!!

Money is never an easy topic for me, but I’ve learned that I’ve at least got to start somewhere.

J. Sherai

3. Cash Back Programs

Okay, I can admit that I am guilty of missing out on a lot of these awesome apps and deals!  If your bank or credit card offers cash back programs, make sure you go and activate them every single month!  Pay attention to where they are offering cash back and start intentionally shopping there.  This is money that you will be saving.  Don’t miss these deals!

Another great deal that has popped up in the media at the start of 2018, are the many cash back apps that are now available.  Dosh is an app that my sister recently told me about, but since then, I have heard so many great things about this app! If you would like to check it out, click the link below and download it!  They actually send you cash directly back to your linked card.  Click the link and check it out! I want to download the Dosh App!

If you are interested in saving money for a specific event, there are two applications that I recommend you check out: Digit and Qapital.  These applications allow you to set up savings goals and actually give them a name.  They both take small amounts of money from your account to go towards your savings.  The amounts are so low (unless you have a large saving goal) that you don’t even notice them coming out of your account.  Not sure where you will get the money for that trip? You need one of these apps to help you save!  Click the links below to check them out!

I want to check out Digit!

I want to check out Qapital!


“I, at one point, was simply too lazy to take time and actually save.  Saving money is a rough point for me, it takes work, and many times I’ve found I’m not committed to that work.  That’s why I am thankful for apps like this, opportunities for passive income makes it a lot easier for me to actually enjoy saving.”

J. Sherai

I know that money is a hard subject for a lot of us, but it won’t go away.  Today, with technology, there are many ways that we can begin building our finances and making better choices to climb out of debt.  Will you join me and make a commitment to more consciously save in 2018?

If you will join me, repeat this STATEMENT OF AFFIRMATION!

I accept the financial opportunities that God will place before me, and I believe that my obedience, faith and diligence will blossom into God’s intended plans (and I know those plans are GOOD)!

J. Sherai, The Success Strategist

CEO & Founder

Hello, my name is J. Sherai a.k.a. "The Success Strategist." I am the CEO & Founder of Release to Renew, LLC, an empowerment company solely focused on providing coaching sessions, products, and programs that lead to success strategies in life and business. You can catch me over on my site, releasetorenew.com, handing out success strategies, coaching men and women into a successful life and business, and constantly giving all Glory, Praise, and Honor to Jesus. Hope to see you over there :).

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