I provide personalized service that transforms clients' relationships with money and helps them practice financial management skills that they can use every day to build their best lives.
The Penny Post: A Nerdy Holiday with a Powerful Money Lesson
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Where Penny-Smart Meets Life-Savvy
I provide personalized service that transforms clients' relationships with money and helps them practice financial management skills that they can use every day to build their best lives.
Hi Reader! Do you put most of your purchases on your credit card and pay them off at the end of the month? While that’s a great money habit, you may be carrying more risk than you realize. Here's a question: Do you charge purchases today knowing you'll pay them off with your next paycheck? It feels harmless enough, right? That's called credit card float. And while it can feel as breezy as a lazy river ride, it may be hiding some murky waters beneath the surface. When you pay for something...
Hi Reader! Zero-Based Budgeting. 50/30/20 Rule. 70/20/10 Rule. Cash Stuffing. Pay-Yourself-First. Anti-Budget. No-Spend Challenge. Mindful Spending. There are so many buzzwords and trendy opinions around how to manage your money. But how do you choose? Which one is actually right for you? Finding the right system can feel a little like Goldilocks trying to find the right bed. Not every approach fits just right. It takes time to get comfortable and start seeing results. But once you find a...
Hi Reader! Are you getting a tax refund this year? Refunds can feel like a gift from above (pennies from heaven!), and they generate a lot of excitement. But without a little planning, that excitement can work against you. A windfall, whether it is a refund, a bonus, or a gift, has a way of sparking big dreams. We start mentally spending it the moment we hear it's coming: pay down debt, build up savings, finally make that purchase we've been putting off, book that vacation. And honestly? That...