Identity Theft: How to Keep Your Info Safe!
I’ve been noticing an increasing number of security breach notifications in my mailbox. Between these notices, news stories, and watching my husband’s employer navigate a recent cyber attack on their business software, I can tell you—the threat is real. And just last month, I read that billions of Social Security numbers were exposed—yes, BILLIONS. Many […]
How to Handle a Pay Cut: What to Do When Your Income Drops
A pay cut can change your financial situation quickly. A budget that worked with your previous income may no longer work. You may be wondering what expenses you should cut, whether you need to use savings, or how long you can realistically manage on less income. The first step is figuring out what your new […]
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 […]