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Budget = Permission to Spend

How do you feel about the word “budget”?  I often encounter people who tell me that they can’t budget or won’t budget.  At one point my husband even told me that he would never budget!   😲 

Most of the time people associate the word budget with negative thoughts such as:

🚫 I can’t go on vacation.

🚫 I can’t eat at restaurants.

🚫 I can’t go out and have fun with my family or friends.

🚫 I can’t go shopping.

Some people simply feel like budgeting RESTRICTS their life.  

I view budgeting differently.  A budget allows me to make a plan for my money so I CAN do the things I want.  My husband and I went on vacations, ate at restaurants, had fun with the kids, and more while we were paying off debt.  My views on budgeting:

🤩  A budget gives me permission to spend.

🤩  A budget puts me in control of my money.  

🤩  A budget helps me reach my financial goals.

How do you view budgeting? 

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Hello! I'm Crystal!

I specialize in helping women, couples, and service-based small business owners who feel like they “make too much to be living paycheck to paycheck.” Together, we turn financial stress into financial clarity and create a plan for the life they’ve always imagined.

I’m based in Morristown, Tennessee, where I live with my husband and children. When I’m not coaching, I enjoy traveling, getting lost in a good book, and discovering new music.

Through Smart Money Financial Coaching, I’ve made it my mission to help people manage their money with confidence, pay off debt, and finally feel in control of their finances.

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