What to do if you don’t have an Emergency Fund? Currently, in the US, the government had the longest shut-down in history and might start another one in the future. Reading the news, many people are talking about the struggles that government employees (and in fact many Americans have) and that is that they are living paycheck to paycheck. Meaning they don’t have enough funds to live without the next paycheck. It is also called negative cash flow. If this describes you, there is hope! I talk about creating positive cash flow in this article. Anyone, living anywhere could find [...]
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Getting Financially Organized this Year It is never to late to get started. As a coach, one of the things I ask my clients to do FIRST is collect all of their financial information. Having it all located in one place is essential to get started. Here I created a FREE worksheet to help you collect all of your personal financial information.
Everyone has a story Everyone has spending and saving story. What is your spending and saving story? I don’t want anyone to feel discouraged that they can’t save or they feel that they are stuck because they don’t “save” enough. I truly believe everyone has a story and if you want to change that story you can do it. It takes some mindset changes. You must break old habits while creating new habits. I love Spending and Saving If we sat down and had a cup of coffee and talked about spending and saving I will [...]
Cash flow is the Key What is Positive Cash Flow? Positive cash flow is simply having more money coming in than money going out. This is key to everything when it comes to personal finance. Making sure that you keep some of your money for the future whether that is upcoming bills and savings. If you spend it ALL you can’t save. Simple. Do you have a positive cash flow? Ask yourself these questions. Can you pay your bills NEXT month WITHOUT another paycheck? Yes/No If you answered Yes, then that is great news, you [...]
I came across the Credit Karma article about Millennials spend more because they are trying to keep up with their friends. I had to write a blog post about it. Credit Karma/Qualtrics study of 1,045 U.S. consumers. Now, I will put in a caveat and say I’m not Millennial, based on defining a Millennial as someone between 18 and 34. If you consider me a Millennial I will take it as a compliment just like if you were going to card me for a drink, with a huge smile. I do have grey hair after-all. This article made me [...]
Happy Thanksgiving Wishing you and your family a wonderful and Happy Thanksgiving! There is so much to be thankful and grateful for and I hope that you are with friends and loved ones this holiday season enjoying time with each other. I was thinking about writing down a quick list of things I'm grateful for and in doing so it really has surprised me at what came to mind. Definitely, will do this more often. This was a lot of fun and enlighting to write down. Try it yourself. Here is a list of things I'm so grateful for: My wonderful [...]
What is a Financial Coach? Welcome! I'm really excited to start sharing more about why I'm a Financial Coach and why you want to hire me to help you. The goal of a financial coach is to educate clients on the basics of personal finance. The coach together with the client creates a spending and savings plan that reflects the values and goals of the client. The coach then empowers clients to take responsibility for their decisions, supports their continual learning and growth, and serves as an accountability partner throughout the process. Help you figure out changes [...]