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 out because they are the ones we already follow and some stood out as ones we should follow. My favorite one that we are not yet following in our [...]
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 their limits and huge learning curves and a high cost. I had several bad experiences trying to upgrade from one version of Quicken to another and dealing with files I could [...]
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 [...]
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 [...]
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 [...]