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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! 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...