Money Talk

Guess what, Christmas is not an emergency expense so you shouldn’t be depleting your savings or charging your Christmas on credit cards. You meant to start saving for Christmas in January but didn’t get around to it – and we don’t need to live in the moment of shoulda, woulda, coulda. Let’s develop a plan […]

Sometimes the electric bill is $74.11, sometimes the electric bill is $102.48, and other months the electric bill is $56.89. How am I supposed to budget when my utility bills are always fluctuating? It’s not as hard as you think – and today I’m sharing the simple approach I use to manage fluctuating utility bills […]

I keep throwing money at my credit card debt but it isn’t going anywhere. You are not alone. This is the number one problem that people in my community face and the number one problem we solve by setting up a clear financial system in my one-month coaching intensive. Here’s the scoop and the two […]

Let’s talk about all those unexpected and infrequent expenses. You know the random flat tire right before payday. The impromptu flight home you need to get home. The emergency surgery your beloved pet needs. Or let us not forget the inevitable year of weddings. I am sure you have your own list of unexpected expenses […]

When I ask people how they manage their money, they commonly tell me I don’t really budget as long as I have enough to pay my bills. Or they look to see if they have money to spend based on their next payday. And for most people, it seems to work. You aren’t overdrafting your […]

You may think that you need to have your money in order and understand complex concepts like compound interest and credit scores and retirement plans in order to benefit from working with a financial coach. What you really need is faith. Why faith?? Well, faith gets you to do what seems impossible. Faith helps you […]

People in my community often wonder what’s the best way to pay off their debt. There are a few approaches but the main ones are debt snowball and debt avalanche. Here is a quick Q&A and a few resources to build your knowledge so you can decide which approach would work best for you. With […]

You: I save money every month. Me: How much do you save each month? You : Well, it depends on what I have left after I pay all my bills and other expenses. I’m going to go out on a limb and say this may resonate with you because I see it with my clients […]

If you follow me on social media, you know I talk a lot about having money dates. Today I want to let you know why. Simply put, this small habit has been a game-changer for me and my clients. Money dates were the building blocks of my personal finance story. When I graduated from college, […]

The question my community is always asking is “Should I pay off my debt if I have money in my bank account?” Someone like Dave Ramsey would say “keep $1000, and put the rest towards your debt. Then proceed to baby step 2: pay off all non-mortgage debt using the debt snowball”. My answer is […]