You have to start at Step 1
It was Christmas Eve. We had just finished watching Home Alone (as is a family tradition) and my son picked up a book about origami. He thought it was a great time to start origami at 9:00pm. He wanted to start on the expert level and was asking lots of questions. Neither my husband nor I know that much about origami, and the book stated that you should start [...]
What are some of the rules you use to run your household?
What are some of the rules you use to run your household? I was reading an article from an April 2018 Real Simple magazine called “Your Words: What’s the family rule that keeps your household running smoothly?” This article really got me thinking about our own household rules for our family of 5 - me, my husband and 3 kids. I really like all of the suggestions. Some stood [...]
Why YNAB is better than sliced bread
Caveat: There are some affiliate links in this post. I may receive cash benefit or discount for recommending products. However, I will only post about products I think are worth it. Why YNAB is better than sliced bread! It was 2014 and I was searching for budget software and small business accounting software. Why you may ask? I was not a fan of Quicken, and Quickbooks. Both had [...]
What to do if you don’t have an Emergency Fund?
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 [...]
Free Financial Checklist: It’s time to Get Financially Organized this Year
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 Spending and Saving story. How do you change yours?
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 [...]
Positive Cash Flow is the Key for Financial Success
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 [...]
Don’t Overspend to Keep Up with Friends
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 [...]
Happy Thanksgiving
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, [...]
What is a Financial Coach?
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 [...]