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Celebrating Independence! How Financially Independent are You?
Hoping everyone had a fun, safe and healthy 4th of July! Along with celebrating our National Independence, how about touching on the importance of becoming financially independent?! There are many reasons that financial independence is crucial to living a balanced, autonomous and functional life. Below, we will explore a couple of those relating to living debt-free and our…
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How Can I Maximize My Tax Refund? Reducing Debt vs. Investing vs. Boosting Savings!
The average tax refund this year was over $3k, and that has increased from last year! That is some impactful money! What did you, or will you do, with yours? If you are interested in making the greatest impact, read below for a few guidelines around whether to pay off debt, invest, or put your…
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It’s Earth Day: Ensure Your Money Moves are Sustainable Too!
Celebrating Earth Day this week, the focus is usually on reducing, re-using and upcycling in order to gain sustainability, and lessen negative environmental impact. What about ensuring our money management is sustainable? What behaviors can we employ that will have the biggest impact when it comes to our goals? How can we best set ourselves up for success…
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Using Spring Energy to Get Going! Which Motivation Type Are You?
Spring is here! This is the time of year we can really draw from that new-growth energy in order to get a little extra motivation on our money-moves and meeting our goals! We often read about “Spring Cleaning”, right? Clearing out the clutter at home, getting our “financial house” in order, maybe, money-wise. This Spring,…
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Financial Foundations: A Spending Freeze February Challenge!
On a scale of 1 to 10, how prepared are you for “Worst Case Scenarios”? What if.. –>Your Car Breaks Down? –>You Loose Your Job? –>Someone in Your Household Can No Longer Work, or Needs Care? –>You Have an Unexpected Housing Expense? HerMoney recently quoted a study in which only 44% of Americans say they’d…
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Your Financial Foundation: Small Tweaks, Big Results!
How strong is your Financial Foundation? Our personal-finance lives are made up of a few key areas of day-to-day money management: Income, Spending, Savings and Debt. If you’re finding it’s hard to meet your financial goals, or to get clarity on what is going on with your money, it’s worth taking a look at each…
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Avoid Increasing Your Debt this Holiday Season: Use a Sinking Fund!
Expanding on last week’s idea around increasing savings during a time of high interest rates as a way to decrease credit card debt (again, high interest rates!) segues perfectly into using Sinking Funds as a way to prepare for holiday spending! The Holidays are the one time of year we can guarantee to see an increase in spending. The…
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ICYMI: Fed Leaves Interest Rates Unchanged: What Should I Do Now in Regards to My Debt?
ICYMI, the “Fed” (aka Federal Reserve who sets the prime interest rates and basically regulates all things finance in the US) announced last week that the rising interest rates we’ve all been experiencing lately will take a pause. What Does this Mean for Me and My Debt? It may be a good time to prioritize…
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Money & Romance: Married Couples
Married Couples.. To Combine Finances or Not to Combine Finances? What’s the best way for YOU BOTH to manage money in your relationship? You’ve got options! Once you’ve had an oh-so-important initial money history convo, shared common goals, disclosed debts, etc. it’s time to move on to the technical aspects of how you will manage the…
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Taxes: Follow-Up. A Few Questions for You!
A quick follow-up to your tax situation this year. How did you make out? Did you get a big refund, did you owe..break even, or somewhat close to it? Read below for a few considerations that fit your situation. Again, not tax advice. Ever. If you got a substantial refund.. Do you usually get a…
Unlocking Abundance 