Resources
Available for Download
Discretionary Spending Budget
What expenses can you reduce to improve your monthly cashflow? Download this sheet to help.
The Pre & Post Checklist
Remembering all of the things you have to do when a loved one becomes ill or passes away can be overwhelming.
This checklist will help guide you through the process.
The Everything List
Share The Everything List with your loved ones,
so if anything happens to you, they know who to call.
Books
Michelle is the author of three outstanding publications:
The Everything Binder Book
Stocks, Bonds and Soccer Moms
College Poor No More

The Everything Binder Book
The Everything Binder Book has been designed to help you keep all your personal information safe and organized in one place--primary contacts, medical history, insurance information, private access information, estate planning, retirement details, final wishes, letters to loved ones and much more. There's even a section for your four-legged friends. Protect yourself, your family, and keep everything in one easy to access place, just in case.
College Poor No More
Staying ahead financially in life can start with one’s college years. College Poor No More offers valuable advice for any and every young person. From how to budget, to cutting costs, to being frugal while still having fun, this indispensable reference guide offers a way to start off those college years right. Higgins offers methods to be spend-savvy in many different aspects of college life – like housing, cooking and eating, travel and social.
For freshmen to seniors, College Poor No More is written in a way that is smart, funny and full of creative ideas and ‘life hacks’ for stress-free, debt-free cash management.
100% of my profits from this book will go to providing scholarships for deserving students.

Stocks, Bonds & Soccer Moms
Regain Your Balance With This Step-By-Step Guide! Are you juggling motherhood, marriage–and perhaps a career? Whether you’re a career woman or a stay-at-home mom, you want to give your all in every part of your life.
Personal time and romance become distant memories and the stress piles high. Sound familiar? There is a solution! Stocks, Bonds & Soccer Moms returns you to that all-important sense of balance, fulfillment, and contentedness in seven clear steps.
