What Makes Me Queen: Kel-li Cole Speaks

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I am Confident, pleasant, and present. I understand and implement modesty *when I could brag I don’t*. I am a great mediator for people who are facing issues, I am a good decision maker without prejudice. I embrace all my strength and vulnerabilities because they shape just who I am a Queen!




Terisha Bennett Lee is a sought after speaker and business consultant and Founder of The Propensities firm which is focused on optimizing people’s life and organization in three critical areas Faith, Purpose and Success. 

We caught up with this CEO, Wife, and Mother to ask the question most asked: What is Propensity?

Terisha Bennett Lee: Propensities are characteristics, traits, habits, inclinations or tendencies. Knowing the propensities associated with great faith, walking in purpose and attaining success, EMPOWERING YOU, to identify your personal calling. While these areas are three distinct areas, and you can choose to work with me in just one, you will find often times they intersect. 

I’ve put in the work, I’ve studied, I’ve researched. Yes! actually conducted research studies on success, resiliency, & purpose. I’m ready to share with you the propensities of empowered people. Participation in my uniquely structured workshops is exactly what you need TO BOLDLY WALK IN PURPOSE. 

I can help you get unstuck. I am not a coach. I AM YOUR ADVOCATE. The workshops I host allows like-minds to learn and grow together utilizing my signature programs. They are empowered to make sense of their frustrations and not live the dreams and expectations of others. In February, I will be hosting my very first workshop of 2019 under the theme Ant-Vision Board.


The objective of this workshop is to challenge participants to actively pursue the next level and accomplishing their goals. Utilizing multifaceted approach we will appeal to more than just your eyes but challenge you to dig deeper in body, mind, and soul. Encouraging you to Strive toward not what is a popular success but what is your personal success. It’ll be held at the DoubleTree Hotel in Deerfield Beach FL on Saturday, February 9th 10-2pm.
There’ll be: 
VIP registration 
Limited seating 
Hands-on vision casting 
Goal mapping 
Advice, strategies, and tips from leaders in various industries. 
If you want this year to be like no other year YOU MUST BE HERE!
You can learn more about Terisha at http://www.terishalee.com 

7 Ways To Eliminate Holiday Debt

The average American spends about $1,000 per/person to spread Christmas cheer annually. This does not include the cost of travel which by the way was 5% higher than in 2017. I know the holiday has passed but many are left feeling a little overwhelmed about their overspending or debt repayment. If that is you here are some ways to knock off some of your Holiday debt.


 Create a Plan to Pay it Off

There are financial penalties associated with allowing your holiday debt to move from one holiday season to the next like 29% of Americans. If you opt to make the minimum payments of $25 per month on a $1,000 debt it will take you until 2023 to eliminate that debt.  I recommend that you tackle the debt simply by breaking down the payments. For instance, if you owe $1,000 in credit card debt, opt to pay off the debt in 3 months by making payments of $333. If a single payment feels financially frustrating, break the payment into two bi-weekly payments of $166.


Don’t Delay The Debt

You don’t have to wait until you get your credit card bills to start making payments, In fact, the more frequently you make payments, the less interest you’ll end up paying and the more quickly you’ll be paid off.

Target The High-Interest Rates First

While you may feel money motivated to eliminate a few small debts with smaller balances first. It is most financially beneficial to eliminate the debt with the higher interest rates first as higher interest rate cards will cost you more money over time.

Cut The Budget 

To pay off your holiday debt quickly, take a look at what you might be able to live without for a few months. You could cancel some subscription services, eliminate eating out and make coffee at home to free up some cash. And you may find that even after your debts are paid off, you may not miss what you cut back on.

Minimize Costs You Can’t Cut

You can’t eliminate all of your monthly expenses, but there are plenty you can reduce. For example, you can cut your phone bill and cable bills.


Lower Your Interest Rate

The lower your interest rate on your credit cards, the less you’ll have to pay on top of your balances. Call the company and let them know that you’ve been shopping around for a better rate with you for a lower rate, which will allow you to pay off more quickly.”

You might be able to eliminate interest on your credit card debt altogether if you take advantage of a zero percent balance-transfer offer and pay off what you owe during the period when the low-to-no interest rate applies. Watch out for balance transfer fees, though.

Cut The Card

If you want to pay off holiday debt quickly, you have to avoid racking up more debt. Not only can using cash help reduce your reliance on credit but also it might help reduce your overall spending. After all, the Consumer credit card debt now stands at $808 billion.

To learn more about How Shani,  is empowering Purses all around the globe, visit Purse Empowerment.com
Shani Curry St. VIl
Personal Finance Expert
Purse Empowerment
p:(954) 304-0532
w:purseempowerment.com  e: shani@purseempowerment.com

Kel-li Cole: Mother, Minister & Cover QUEEN!!!

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Kel-li Cole is a writer, life coach, minister, actress, teacher, public speaker, beautician, nurse, entrepreneur and a mother to one handsome, anointed and talented son named Siyah Cole.

Kel-li Cole was raised and resides in Philadelphia, Pennsylvania.  She is a member of the Better Life Church in Newark, NJ under the leadership of the beloved pastor, Ameer Natson. She is the CEO of Guideline Girls, a company geared towards changing the outlook on your current circumstances, speaking what you want to manifest in all areas of your life and providing resources in areas of health, finance, business, relationships, and spiritual connectivity.

Kel-li has mentored many young people and adults throughout the years. At the age of 14, she was given her own column in a newsletter for Meyers Recreational Center in Southwest Philadelphia. Her column was published every Thursday and she wrote about topics such as virginity, drugs, and violence. The young people at the center even voted her Most Opinionated and Mostly Likely to Challenge Management due to eloquent speech and valid points on many hard-hitting issues. Kel-li’s column was very popular and critically acclaimed amongst the youth in that neighborhood.

Kel-li currently mentors successful business owners as well as aspiring entrepreneurs on how to make their dreams a reality. Kel-li takes theoretical portions of scripture to assist with practical applications of her clients’ daily lives. Kel-li has helped to start and restore relationships and has also helped to rebuild a healthy family structure in the lives of the individuals she has counseled. Kel-li shares her God-given, wisdom through her book, ‘He Can Be Faithful’.

When this beautiful and multifaceted boss lady has free time, she loves to indulge in fine dining, fashion, and travel. She also enjoys sharing laughs with her friends, going on adventures with her son, watching movies, entertaining televisions shows and listening to music. 


4 Tips You Can Use To Crush Your 2019 Financial Goals

5 New Instagram Updates 2018-3

The new year is fast approaching and our timelines are about to be ‘lit’ with ‘new year-new me’ declarations. I believe that 2019 is the beginning of great years for you, similar the to the seven years of harvest described in Genesis 41.

If you don’t know the story here’s a snippet:

Pharaoh had two dreams that troubled him greatly. He called his wise men and they were unable to interpret the dream for him. However, his cupbearer told him of a Hebrew he met in prison, that was able to interpret his dream and may be able to help. The Hebrew, Joseph, was summoned from the prison and was able to tell Pharaoh that his dreams meant that there would be seven years of plenty and seven years of famine. A famine so bad that it would cause the people to forget all about the prosperity the years before.

Long story short Joseph was able to give Pharaoh the strategy that he could use to ensure the survival of his people during those times. Joseph’s strategy during the times of plenty created a storehouse filled with all Egypt needed for the famine but they were also able to sell food to people from other cities and countries.

Even in famine, Egypt prospered because they prepared for the slow times during the full times and was able to financially capitalize and create an additional stream of income by selling food during the famine.

*Hint* They were an answer to a problem.

I began saying that I believe we are approaching a year of great increase. These seven years of plenty that you are about to experience doesn’t mean seven years of ‘the splurge’. These years are for you to prepare to be the deliverance the world needs for what lies ahead.

Egypt prospered in famine because they had the answer to world hunger and was able to come to the worlds rescue and profit because of their prudence. Joseph’s strategy was so simple, but it required discipline and it saved so many lives and increased the wealth of Egypt.

2019 is the year that I get my finances together, eliminate debt and increase my wealth with the help of Joseph’s Financial Strategy. Care to join me?

Step #1

Ten Percent Belongs To God-Pay Your Tithes!

“Bring the whole tithe into the storehouse, that there may be food in my house. Test me in this,” says the LORD Almighty, “and see if I will not throw open the floodgates of heaven and pour out so much blessing that there will not be room enough to store it.” -Malachi 3:10 I NIV

I can remember going through seasons where I tested the validity of this scripture. I looked at what was in my hand. I looked at my bills. Then I looked at the tithing envelope and was like God-you see what I have and it is not enough so I’ll pay this next month. Then the Holy Spirit would speak to me and I would give my tithes. Did I die or starve during the times I felt like I was unable to pay my tithes? Heavens no-in fact God continues to ensure that I receive all that I need.

Honoring God with the first fruits of your increase will not deplete you, it always increases you. I hear the talk in the marketplace as to all the reasons why you shouldn’t give your tithes, but none of the reasons given negates the fact that it was a command from God. I want ALL the blessings of God and if I pay my tithes because God can not lie, I can bet on the fact that his word is true and I shall be blessed because of it!

Step #2

Give Offerings

Give, and it will be given to you. A good measure, pressed down, shaken together and running over, will be poured into your lap. For with the measure you use, it will be measured to you.- Luke 6:38 | NIV

Ten percent of my increase shall be given as offerings to the church and to the poor. I will decide at the appointed time whether I will give half to the church or the other half to someone in need. Or whether I will alternate month to month between the church and someone in need.

Whoever is kind to the poor lends to the LORD, and he will reward them for what they have done.- Proverbs 19:17 I NIV

When you give to the poor you are giving to God, because Jesus took on our debt so that through him we may be free. When you give anything to the poor its received by heaven as a loan you gave to God and he, the God with unlimited resources, repays you.

Step #3

Save Twenty Percent Of Your Earnings-BUDGET

Let Pharaoh do this, and let him appoint officers over the land, to collect one-fifth of the produce of the land of Egypt in the seven plentiful years. Genesis 41:34 NKJV

One-fifth of your earnings is equivalent to 20%. Joseph was able to feed Egypt and so many others by doing this for seven years.


20% of $100 = $20.00

$20 x 4 wks = $80.00

$80 x 12 mths = $960.00


Step #4

Enjoy the Sixty Percent that’s left!

To some people who are living above there means 60% is going to feel like living in the wilderness but good news, no one has ever died from downsizing, at least I don’t think so. Now is a great time to reevaluate your spending habits.

Listen, I’ll be the first to say that I never took financial planning and budgeting seriously. I never took charge of my money, so my money took charge of me. Money is an awesome servant but a terrible master. As a mother, it is so important that I teach my kids the value of money and proper financial planning and spending habits. In this way, they don’t repeat a cycle of poverty but will create a legacy of financial literacy they can pass on to their children’s children.