Don’t Let These Expenses Sneak Up on You—Get Ahead with These Tips!
Once again, I feel like we blinked, and over half the year is gone. My kids are back to school, and I’m wondering where in the world our summer went! Are you feeling the same? It’s so easy to erase financial progress in the last half of the year. So today, I want to encourage […]
The REAL Way to be Prepared for Emergencies
Lately, I’ve been having more conversations with people grappling with credit card debt due to job loss. Today, I want to talk to you about the real way to be prepared for emergencies. Over the years, I have assisted many in managing the financial aftermath of job loss. I’ve guided clients in preparing for potential […]
Stop Budgeting! Do this….
In my last blog, I mentioned our binge-restrict cycle with money (if you missed it, you can read it here). Back then, we tried different methods of budgeting—envelopes, spreadsheets, multiple bank accounts. Most of these worked for a little while, but we struggled to find a system and process that worked well for us long […]
What we did wrong…Our Binge-Restrict Cycle with Money
I recently spoke with a couple who described their relationship with money as a “binge-restrict cycle.” They would go through periods of being extremely frugal, followed by significant spending sprees. Boy, did this take me back! Let’s go back in time together. We were in our 20’s. We had a mortgage, credit card debt, and […]
Money Routines: Small Steps, Big Impact
Recently, I found myself reflecting on all the routines I’ve woven into my life – from charging my activity tracker every Sunday night to picking up groceries after church every Sunday. It struck me how these routines streamline my days and keep me organized. This got me thinking about the money routines I help my clients […]
Financial Blindspots
This time of year gets me thinking about something that just happened to us LAST year when our family experienced a healthcare crisis. That crisis revealed a blindspot in our finances that I didn’t realize we had. I’ve been thinking about this situation a lot lately and how it had the potential to ruin years […]