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Planning for the Unexpected

July 2, 2025 In the beginning of this Project Money journey, I sat down with my coach and created a plan—a solid one. We looked at my income, my expenses, my goals, and started building a strategy that made sense for me and my family. I committed to working on that plan, and for a while, things were going great.

Then life hit.

My car broke down. Completely. And when you’re a full-time working single parent of three, losing your transportation can feel like everything is falling apart. In the past, I probably would’ve panicked, reached for the credit card, or started looking at loans. But this time was different.

Thanks to the plan I made with my coach—and the discipline I’ve been building, I had savings. Not a lot, but enough. And I can’t tell you how thankful I am for that. Because while it stings to dip into your savings for car repairs, you know what feels worse? Going deeper into debt.

This experience reminded me why having an emergency fund is so important. Life will  happen. But when you have a plan and you're working on it, you're in a much better place to respond instead of react.

I’m not where I want to be yet, but I’m not where I used to be either, and that’s something I’m proud of. One step at a time, forward. You might also be interested in Holiday spending can spiral fast—see how a simple plan keeps joy high and debt low this season... Holiday budget set, gift limits made, habits strong—choosing presence over presents and staying consistent through the season... Ifeanyi shares 5 lifelong money habits: save, track, invest wisely, live simply, and keep growing... Motivation starts the journey, but consistency builds wealth—one small choice, one deposit, one day at a time. Keep showing up... Taking on extra work isn’t just for cash—it’s a step toward freedom. Know your why, protect your peace, and build your future... Ifeanyi shares how selling unused items—online or locally—can declutter your space and grow your savings, one small sale at a time... Money progress isn’t linear—setbacks are lessons. Stay consistent, keep trying, and move toward financial freedom step by step... Facing setbacks isn’t failure—it’s growth in motion. This blog explores how resilience, mindset, and adaptability turn challenges into progress... Sticking to a financial plan isn’t easy, but consistency brings ease and control. Learn how small habits can lead to lasting financial peace...