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: What Budget is Right for Me?
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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! 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...
Hi Reader! It happened the other morning. I started my day the way I always do: get dressed, a little yoga, check the budget, make breakfast. But as I opened my daily phone game, my heart sank. My 280+ day streak was gone. A lonely zero stared back at me, forlorn and a little accusatory. I had forgotten to finish my game the day before. Just like that, my simple little habit was undone. Time to start over. Now, a game streak is hardly the end of the world. But it got me thinking about the...