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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! In the last newsletter, I introduced the four common issues with budgeting. This week we’ll look at why tracking expenses can be a great starting point and how to make it actually work for you. Often the first thing budgeters do when starting is to look back at the past month’s spending and see where the money went. It's a good place to start; after all, it's hard to change a situation if you don’t know what that situation actually is. But how do you actually start tracking without...
Hi Reader! People tell you to “spend less than you make; you just need to stick to a budget”. Sounds simple, right? So why is it so hard? There are four things that people try that prove extra challenging. Exploring each can help us build a system that will finally last. Tracking expenses looks backward, showing you what you spent your money on last month. This gives you information, but information alone doesn't change behavior. Knowing you overspent doesn't automatically tell you how to...
Hi Reader! A little something different this week. I want to talk about a finance book I just finished, and why I think you might want to pick it up. The book is Never Worry About Money Again by Jesse Mecham, founder of YNAB, and it was just released. Full disclosure: I've used YNAB for years and already believe in its philosophy, so I came in predisposed to like it. But I made a point to read it from the point of view of someone new to financial change, and I think this is a good book to...