This One Small Change Made a Big Difference
Before our kids came along, when we were swimming in debt, I took a lot of pride in being frugal. I worked in a town where stores doubled and tripled coupons, and I had my own little system to score extra ones. Every week, it became a fun challenge—how much could I save this time? […]
Simple Strategies to Save Money on Food and Reduce Stress
My family has settled into the school year, and things look a bit different for us now since both of our teenagers are being homeschooled. One thing I didn’t anticipate with having them home all day is the increase in our grocery budget! If you’ve ever had teenagers at home, you know they can eat! […]
How We Survived a 50% Pay Cut
In a recent blog, I shared some strategies for preparing for financial emergencies like job loss, health issues, or other unforeseen circumstances. (If you missed it, you can read it HERE). Last year, my husband’s position was eliminated, and he was placed in a role that reduced his income by 50%. This was a real […]
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 […]
What’s Your Financial Problem?
What’s Your Financial Problem? Today, I want to dive into this question. I think understanding this provides my clients with the most value. When it comes to your finances: “What’s the problem?” In my experience as a financial coach, I’ve found there are two primary levers you can pull to influence big changes in your […]
“I am so embarrassed…”
“I am so embarrassed. I feel like I should have this part of my life figured out!” This is a statement I hear time and time again when I first start working with clients. My clients are smart, educated, successful – and yet money feels like the one area of life that they still haven’t […]