Simplify Your Holiday Shopping with This Gift Guide
The holiday season is in full swing, and if you’re like me, you’re juggling a long to-do list and wondering how to make this time of year special—without overspending. Honestly, I don’t even enjoy shopping, so this time of year can feel challenging for me! My teens love tech, subscription services, and expensive brands. Yikes! […]
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 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 […]
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 […]
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 […]
How to “Reset” Your Budget for a New Year
There is truly no better time to reset your budget than a New Year! The beginning of a year brings fresh new vibes and a renewed sense of hope for the future. Plenty of my successful clients got a nudge to change their finances over the holidays, and made a fresh start in the new […]
When Spending is More than Shopping
Have you ever reached into your fridge at night to get a sweet treat, and just as you are biting down you think– “I am not even hungry. Why am I eating this?” It is generally a quiet voice, but clear nonetheless. This voice can give us a bit of clarity in moments when we […]
🎟 Don’t Buy a Lottery Ticket. Do this Instead…
You have likely heard that 70% of all lottery winners go broke within just a few years of winning a huge payout! When there is a record-breaking jackpot, millions of people stand in line to buy a ticket for the chance to be a lucky winner. Surely every ticket holder imagines that their fate would […]
The solution was easier than they expected…
If we were having coffee, and you asked me what I had noticed as a pattern in my financial coaching clients, I could definitely share a few of the trends I have observed over the years. Since clients come to me at all salary ranges, you would think that there would be more differences than […]