Demeter Financial Services

Raised by a single mom and started working when I was 15. My mom managed, but never had much and only by inheriting land was she able to have a retirement fund. If she hadn~t had the land to sell, she would have been a senior living in poverty. Social security wasn~t much of a safety net for her, it barely covered basic needs and certainly didn~t stretch to cover any emergency need. Her life was one of the reasons she insisted that I had to go to college. Thank goodness for grants at the time! Yet, because we always just had enough to get by, I didn~t learn much about managing money. After I got married, I really started paying attention to how money works. Not only can you earn a paycheck, but if you pay attention, you can make some of that money make more money. We got a few breaks family that could afford to lend money which we always paid back and both of us had good jobs. I~ve focused on our net worth (how much we have vs. what we owe) and am satisfied today with our numbers. We may not live like the Rockefellers, but we haven~t had to panic when my husbands firm went through a rough patch and temporarily lowered salaries or now that a pandemic has hit the nation, we just aren~t worried at least about money! We~ve been very fortunate and I want to help others learn how to be fortunate too!