personal-finance

Show Me Your Bank Statement and I’ll Show You What You Value

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Let’s start with a question: When you think about being “good with money,” what pops into your head?

Saving more? Investing earlier? Maybe finally sticking to that not-yet-used budget that’s been silently judging you since January?

That’s all useful. But managing your money well isn’t just about math. It’s about meaning. If you’ve ever hit a financial goal and still felt a little… empty? Yeah, that’s your values trying to break through the noise.

Because if your money and your values aren’t on the same page, no amount of budgeting or earning will bring you real peace. Because the peace you’re looking for isn’t in your bank account.

Picture this: someone says they value peace and simplicity. But every weekend, they’re online shopping to cope with stress, signing up for side hustles they hate, and saying yes to every offer that comes with a paycheck no matter how soul-draining, all to pay for the shopping to “cope with the stress”.

That’s not peace. That’s burnout with a direct deposit.

We confuse “wants” with “values” all the time. Wanting something isn’t bad, it’s normal. But buying every want is like trying to build a stable life out of marshmallows. Fun for a minute. Messy later.

When you spend based on your values, your money decisions stop feeling like sacrifices and start feeling like freedom. You’re not depriving yourself. You’re choosing peace over pressure. Long-term joy over short-term dopamine.

But what are values, really?

Let’s pause. Because some people hear the word “values” and immediately think of something vague or preachy.

But values are just what matters most to you.

Not to your mom. Not to your best friend. Not to the influencer who “just can’t live without” her $40 matcha serum.

You might value creativity. Or rest. Or adventure. Or family. Or building a legacy. You don’t have to get it perfect, but you do have to get honest with yourself. Most of us don’t even stop to ask. We just chase the next thing because everyone else is doing it.

But clarity is powerful. When you really know what your values are, decision-making gets a lot easier. You stop asking, “Can I afford this?” and start asking, “Does this fit who I want to be or the life I want to live?”

Okay, you’re sold on the idea. Now what?

Here’s a simple (but not easy) process:

  1. Slow down and listen. What makes you feel alive? What makes you feel grounded? Write it down. Pay attention to when you feel content, not just excited.
  2. Notice your spending. Pull up your transactions from the last 30 days. What did you buy that actually felt worth it? What left you feeling “meh”? Your bank account is already telling your story. Read it. It’s like the saying goes, show me your bank statement and I’ll show you what you value.
  3. Ask the value question. Before you buy, ask: “Is this aligned with my values or just a passing want?” Even better, try, “Would future me thank me for this?”
  4. Plan with your values in mind. Make room in your budget for what matters most, even if that means spending more on it and less elsewhere. If community matters, maybe you host more dinners instead of buying more clothes. If freedom matters, maybe you say no to the second job and work on living within your means. (Ouch, I know that one stung)

Success feels different when it’s aligned.

Aligning your money with your values doesn’t always mean you’ll spend less. But it does mean you’ll spend smarter. With intention. With integrity. With the “I actually like how I’m living” kind of satisfaction.

And weirdly, that kind of peace attracts more success. Because you’re no longer wasting energy chasing stuff that doesn’t even matter to you. You get focused. You make decisions faster. You stop comparing your life to people who aren’t even aiming for what you want.

Most of us are trying to build a life that looks good on paper. But what if you built one that felt good instead?

More money won’t always fix your life. But money aligned with your values? That’s the good stuff. That’s where peace and success stop competing and start walking hand-in-hand.

So take your time. Learn what matters to you. Then let your money follow.

That’s the real flex.

Mid-Year Money Check-Up: Are You Where You Wanted to Be in 2025?

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Let’s start with the obvious: somehow, it’s already summer.

Wasn’t it just January? One minute we’re toasting to “New Year, New Me,” and the next we’re knee-deep in sunscreen, graduation invites, and last minute plans.

But before we get swept into vacation season and BBQ weekends, now’s a good time to ask: how are things going with your money?

No guilt. No panic. Just a good, honest check-in.

It’s about noticing where you are, what’s working, what isn’t and making small tweeks so you don’t roll into December with a shrug and a credit card bill you forgot about in July.

Here’s a simple way to reflect, adjust, and refocus without feeling overwhelmed or needing a spreadsheet-induced nap.

1. Look Back Before You Look Ahead
Pull out the financial goals you set in January if you can find them. If you didn’t write them down, no worries. Think back: what did you hope would happen with your money this year? Pay off a credit card? Build an emergency fund? Finally stop fighting with your budget?

Now ask yourself: are you closer to those goals than you were six months ago? Even a little bit? Great. If not, don’t spiral. You’re not behind you’re just getting data. Life throws curveballs. Budgets break. Priorities shift. That’s not failure. That’s being human.

2. Check the Numbers (Without Letting Them Boss You Around)
This is your quick glance at reality. Look at your spending. Check your savings. Peek at that debt. Are the numbers moving the way you want them to?

You don’t need to create a brand-new budget from scratch unless yours is a total dumpster fire, in which case, maybe give it a little refresh. But this is more about noticing trends. Are you spending way more on takeout than you realized? Is your savings account still sitting at $73.20?

Awareness is power, and it’s a lot less painful than pretending it’s all fine while your money quietly tiptoes out the back door.

3. Rework the Plan (Yes, You’re Allowed to Change It)
Maybe you’ve had some wins. Maybe you’ve had some setbacks. Either way, it’s okay to change the plan. In fact, it’s smart.

If a goal no longer makes sense, change it. If something felt realistic in January but now feels laughable, adjust it. Let this mid-year moment be about setting yourself up for success not holding yourself hostage to a plan that no longer works.

Refocus on what matters most now. Maybe you’re ready to go all in on paying down debt. Or maybe what you really need is a little breathing room in your budget so you can stop feeling tense every time your phone dings with a bank alert.

4. Choose One Thing to Stick With
This part’s important. Pick one small habit to carry into the rest of the year. Just one. Something doable. Something that keeps you connected to your money. Maybe it’s tracking your spending once a week. Maybe it’s putting $50 into savings every time you get paid. Maybe it’s finally canceling that gym membership you’re not using (we both know it’s time).

Financial success isn’t about doing everything perfectly. It’s about doing one thing consistently. Then another. And another.

Let’s Wrap This Up
Mid-year is not a reason to panic. It’s an invitation to pivot. Whether you’re on track, off track, or have no idea where the track even is, this is your moment to stop, check the map, and decide where you want to go next.

You don’t have to overhaul your entire financial life in one weekend. You just have to pay attention. Reflect. Adjust. Keep going.

And if you need a little help on your journey? That’s where I come in. No judgment. Just direction. Think of me like your financial GPS – recalculating when needed, but always helping you get back on the road.

The High Cost of Hiding

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There’s a quiet ache that comes from living out of alignment with who you really are. It’s subtle, like a tag in the back of your shirt that you almost forget is there until it starts to itch. And in your finances, that itch can turn into full-blown discomfort.

We often think of authenticity as something reserved for journaling retreats, identity crises, or the kind of self-help books you buy with good intentions and never finish. But authenticity can also be deeply financial. It’s not just about how you feel it’s about how you spend, save, and stress.

Because if we’re honest, a lot of people are budgeting for a life they don’t even like.

Think about it. How many purchases have you made for the version of you that only exists in your imagination? The one who always looks put together, never repeats outfits, and somehow has a fridge full of green juices that don’t expire? That version of you is expensive. And slightly exhausting.

We’re not just buying things—we’re buying belonging. A curated lifestyle. A story we hope people believe. The upgraded car. The “dream” apartment with more square footage than friends to invite over. The business wardrobe for a job that mostly happens over Zoom.

This isn’t judgment, it’s a gentle nudge. What’s the honest answer if we ask ourselves how many of our financial choices are less about needs and more about narratives? We spend to feel enough. We say yes to things we don’t want to attend. We avoid our bank account like it’s judging us. (It’s not. But the notification that says “Your balance is low” does feel oddly personal.)

The more out of alignment we are with our real selves, the more chaotic our money becomes. Being real with ourselves clears the fog. It’s like finally putting on your glasses and realizing that plant you’ve been watering for three months is fake. Clarity can be funny that way.

When you start aligning your spending with your actual values—not the values your friends or social media feed told you to have—things change. You stop buying out of guilt or comparison. You stop chasing trends that don’t match your life. You give yourself permission to be weirdly specific in your budget, like prioritizing concert tickets over cable or saving for a tiny house instead of a mortgage in the suburbs.

Authenticity also means accepting the truth, especially the uncomfortable kind. Like admitting that you’re still paying off a trip that didn’t even go that well. Or that you have no idea how investing works, and your current strategy is “gut feelings and Google searches.”

In business, authenticity can be just as freeing. Stop trying to sell like someone else. Your clients don’t need a guru, they need a guide who knows who they are and isn’t afraid to sound like themselves. If you’re quirky, be quirky. If you’re straightforward, don’t fake the fluff. People can smell performance, and they usually don’t like it…unless it’s on Broadway.

Living and spending authentically doesn’t mean you never treat yourself or go after big dreams. It just means you do it with a sense of peace instead of pressure. It means your budget starts feeling like a mirror instead of a mask.

So, if you’re feeling stuck financially, maybe the next step isn’t another app or spreadsheet. Maybe it’s asking yourself: Am I spending money to be myself or to escape myself? Because the best financial plan starts with telling the truth. To ourselves. And maybe making peace with the fact that your “dream life” might actually involve fewer brunches and more naps.

Quick Fixes Won’t Fix You

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It’s easy to get drawn in by the idea that one simple trick can turn your finances around. Maybe it’s a new budgeting app, a viral savings challenge, or the perfectly timed ad for a loan consolidation or low-interest credit card. It feels like if you just find the right fix, everything will click into place. But the idea that one quick move can solve years of habits, patterns, and beliefs about money is misleading.

There’s a seductive quality to shortcuts. When you’re financially stressed, anxious, or overwhelmed, your brain craves relief. It offers a moment of calm in the chaos, even if it’s temporary. But financial transformation is never just about the numbers It’s about who you’re becoming through the process. And real transformation isn’t fast. It’s often uncomfortable. It’s deeply personal.

Quick fixes are surface-level solutions. They focus on what you do like cutting expenses, downloading a tool, following a plan, without addressing why you spend the way you do or what you’re trying to feel when you swipe your card. You can set up automatic transfers to savings, but if you still feel like you never have enough, that money might not stay there for long. You can follow a budget, but if it feels restrictive or disconnected from your real life, you’ll eventually abandon it.

Then life happens. A tire blows. A friend invites you on a spontaneous weekend trip. Your old habits sneak back in, disguised as self-care or “you only live once” indulgences. The app gathers digital dust. The quick fix fades, and you’re back where you started, sometimes even more discouraged than before.

Why? Because quick fixes address symptoms, not core issues. They aim to change behaviors without addressing the beliefs that drive them. You can automate savings, but if you still believe you’re “bad with money,” that savings account will stay empty. You can follow a debt payoff plan, but if you haven’t built the discipline to say no to impulsive spending, the cycle will repeat. There is no app or spreadsheet that can replace the inner work of developing financial resilience.

This kind of change isn’t as exciting as a new app or a bold financial goal. Real change looks less like a sudden leap and more like a slow, intentional climb. It’s committing to tracking your spending even when it’s boring. It’s revisiting your goals regularly, not just when you’re inspired. It’s learning how to sit with discomfort instead of numbing it with a shopping spree. It’s asking yourself hard questions: What do I believe about money? Who taught me that? Does it serve me? What am I avoiding by chasing the next quick fix?

If you’re stuck in a cycle of hoping the next idea will be the one, take a step back. Ask yourself what you’re avoiding. Are you looking for a fix, or are you ready for real change? You don’t need a miracle. You need a plan that fits your life, habits that support your values, and the patience to let progress build.

Quick fixes might feel good in the moment. But they won’t build the kind of financial life you actually want. Real change is slower, steadier—and far more rewarding.

So the next time you’re tempted by a financial fix that promises overnight success, pause. Ask yourself if it’s addressing your foundation or just patching a crack. You’re not broken. You’re just evolving. And evolution takes time, intention, and a willingness to go deeper than the surface. Quick fixes won’t fix you. But showing up for yourself every day, even in small, imperfect ways just might.

Your First Paycheck Is Coming. Let’s Make Sure It Stays

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Graduation caps have been tossed, your diploma is somewhere under a pile of moving boxes, and you’ve finally figured out how to make ramen taste like a real meal. Congratulations! You’re officially a recent graduate and now, welcome to adulthood, where you’ll quickly discover that your student loan servicer knows more about you than your grandma does.

As you prepare to dive into the job market or just landed your first “real” job, there’s one person you might want to bring into your corner, no, not your cousin who’s “really into crypto” or your roommate who swears they’re going to retire off of TikTok earnings. We’re talking about a financial coach.

Now, you might be thinking, “Why would I hire a financial coach? I don’t even have any finances yet. I have vibes and debt.” Fair point. But that’s exactly why now is the perfect time.

A financial coach isn’t just someone who tells you to stop buying $6 lattes (though they might gently suggest a reusable mug and a better budgeting app). They’re more like your personal money GPS helping you avoid the financial potholes you can’t even see yet. Most people only think about financial guidance once things are already on fire. Collections notices, overdraft fees, or the haunting realization that they accidentally blew their entire paycheck on concert tickets and Uber Eats. A financial coach helps you get ahead of those moments and build a roadmap for your money that doesn’t rely on hope and impulse.

Imagine starting your financial life with intention instead of regret. Knowing how to set up a budget that doesn’t make you feel like you’re grounded. Understanding how to tackle student loans without crying. Learning how to save for future-you—yes, the one who wants to travel, buy a house, or finally replace that cracked iPhone screen.

Plus, working with a coach can help you build confidence. You’ll finally stop nodding blankly when someone says “Roth IRA” and start using terms like “emergency fund” and “compound interest” without breaking into a cold sweat. It’s like having a financial translator—someone who helps you make sense of adult money things without making you feel like you failed Econ 101.

And the truth is, building good habits early is like investing in your future self. Think of your money like a plant: if you water it now and give it the right conditions, it grows. If you wait too long, it gets droopy, weird, and you end up frantically Googling “how to revive dead succulents” except it’s your credit score.

Sure, you could try to figure it all out on your own. There’s YouTube, TikTok, Reddit threads with advice from anonymous users named “StonkMaster420.” But if you want tailored guidance, real support, and someone who doesn’t vanish when the economy wobbles, a financial coach is worth it. They’ll help you build a plan you can stick to even if you’re still living with roommates and your “retirement plan” is just “not working forever.”

So, before you splurge on celebratory sushi or finance a couch you can’t afford, consider this: hiring a financial coach as a recent grad doesn’t mean you’ve got it all together. It means you’re smart enough to want to have it together. And that, my friend, is the kind of energy your bank account will thank you for—long after the ramen days are behind you.

*Whether you just said “I do” or just tossed your graduation cap, this summer is the perfect time to take control of your finances and set yourself up for long-term success.

I’m offering special discounted financial coaching sessions for:
Engaged or Newly Married Couples – Build a solid financial foundation together with guided money talks, budgeting support, and shared goal planning.
Recent Graduates – Learn to manage your income, student loans, and savings with confidence as you step into the real world.

No matter your stage, now is the time to create a plan that works for your future.

Offer ends August 31st — Limited spots available!

Schedule a free insight session here

Love and Marriage-Planning Past The Party

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Marriage is love, commitment, and companionship. It’s also receipts, shared passwords, and arguments about whether buying an $800 espresso machine is “an investment” or “completely ridiculous.” Love may be blind, but money has 20/20 vision and it’s keeping score. So if you’re planning to say “I do,” it’s smart to figure out your financial life before it turns into a reality show called Who Spent What?

Money can either be a glue that bonds or a bomb that explodes. The difference comes down to communication, planning, and resisting the urge to lie about how much your shoes really cost.

Start with a Financial Full-Frontal (No Shame Zone)

Before you merge bank accounts or pick a wedding hashtag, strip it all down, credit scores, debt, income, savings, and spending habits. This is not the time for filters. You need to know if your partner is a frugal wizard or a closet spender who thinks the word “budget” is a personal attack.

Approach this like a team huddle, not a courtroom deposition. No guilt-tripping. Everyone has financial baggage, whether it’s student loans, medical bills, or a Venmo history that reads like a fast-food tour of the entire U.S. What matters is honesty and a willingness to work together.

One Account? Two Accounts? Three? Do What Actually Works

There’s no one-size-fits-all when it comes to combining finances. Some couples go all-in with one joint account. Others split everything 50/50. And then there are those who create a joint fund for shared expenses and keep personal accounts for independence…and impulse buys.

Here’s a better way to picture it: treat your finances like planning a trip. Your personal accounts are like solo adventures-you decide the pace and the destination. Shared bills and expenses? Those are like traveling with a buddy-coordination and communication are key. And your long-term savings? That’s the dream vacation you’re both working toward-something that takes planning, patience, and teamwork. The secret to a smooth journey? Stay transparent and check in often, so no one ends up lost or footing the whole bill.

Designate a CFO—but Rotate the Role

Every household needs a Chief Financial Officer, but don’t let one person always be the budget police. That creates a weird parent-child type dynamic. Rotate who handles the monthly finances. One month, you track bills and savings. Next month, they do. It keeps things fair and forces both of you to stay engaged, and maybe even discover that spreadsheets are oddly satisfying.

Turn Money Fights into Strategy Sessions

Arguments about money are really arguments about values, fears, and expectations. It’s not about the $300 on sushi. It’s about whether you feel secure, respected, or heard.

So instead of fighting over past decisions, make a game plan. If one of you is a saver and the other is a spender, define roles. The saver keeps an eye on the safety net. The spender finds deals and upgrades your life without wrecking the budget. Different approaches can balance each other—if you recognize them as assets, not flaws.

Also, give yourselves a “no-fight zone.” Set a time, maybe Saturday afternoon, post-coffee, when you talk money like teammates, not gladiators. Use humor. Laugh about your worst purchases. (“Remember when I thought I’d become a home mixologist and bought a cocktail shaker set that’s now just holding pens?”)

Build a Plan Bigger Than the Wedding

Weddings are fun. But marriage is Tuesday night groceries, car repairs, and retirement accounts. So plan past the party.

Talk long-term: Do you want kids? A house? To travel? Start a business? Retire early? These dreams need dollar amounts. The earlier you map out your life goals, the more aligned your money decisions will be and the fewer “how did we get here?” moments you’ll have.

Make saving a joint mission. Treat it like a game: name your savings goals, celebrate milestones, and challenge yourselves to have “no-spend” weekends where creativity replaces consumption. Who knew board games, frozen pizza, and bad karaoke could actually feel like progress?

The Bottom Line: Love Is Work. So Is Money. So Do the Work Together.

Marriage isn’t just a romantic union. It’s a financial partnership with receipts. If you approach it like a team sport, with honesty, flexibility, and a sense of humor, you’ll be way ahead of the curve. Yes, you’ll have weird expenses, surprise bills, and moments where you stare at each other like, “Why did we think we could afford a dog and a vacation?”

But you’ll also have a plan, a shared mission, and if you play it right, a joint account that still has money in it at the end of the month.

Now go talk about money with love, laughter, and maybe a spreadsheet. Or at least a calculator and a cup of tea.

Layoffs, Dreams, and Detours: Can You Afford Your Next Move?

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Change doesn’t always knock politely. One minute you’re sipping your coffee, feeling semi-productive, and the next—ding—a surprise calendar invite from your boss with a vague title like “Quick Chat.” That’s never good. Your stomach drops. Is it a layoff? A restructuring? Are they finally getting rid of “casual Fridays”?

Or maybe the shift is internal. You’ve been staring out the window between Zoom calls wondering, What if I just quit? What if I finally launched that thing I’ve been dreaming about? Then your bank account gently taps you on the shoulder like, “Cute idea, but… how, exactly?”

Whether the change is forced on you or has been bubbling up from inside, career transitions can feel like standing at the edge of a cliff, equal parts thrilling and terrifying. But we can all agree that cliff-diving is way less scary when you know there’s a safety net waiting.

Here’s how to build that net—calmly, smartly, and with your sense of humor intact.

Start With Building an Emergency Fund (Your Financial Buffer)

Let’s start with the obvious, but often overlooked step: setting money aside.

An emergency fund isn’t just for flat tires or surprise dental work. It’s your buffer between income and uncertainty. Aim for 3 to 6 months of your core expenses. Don’t just guess, know your numbers. That means rent or mortgage, groceries, health insurance, utility bills, gas, minimum debt payments… the basics that keep your life running.

This number will look different for everyone, which is why it’s worth calculating your actual monthly “bare minimum” (more on that below).

Keep your emergency fund in a high,yield savings account—easily accessible, separate from your regular checking, and ideally out of sight so you’re not tempted to dip into it for impulse buys.

The goal isn’t to prepare for disaster. It’s to buy yourself time to think, adjust, and move forward on your own terms.

 Next, Know Your Bare Bones Budget (The “We’re Eating Rice and Beans Now” Plan)

Most of us have a general idea of what we spend each month—but if push came to shove, could you live on less?

Do you know how much it costs to keep your life running at the most basic level? Like, no extras, no takeout, no yoga with goats? That’s your bare-bones budget.

Take some time to map it out:

  • What’s essential? (Housing, food, insurance)
  • What can be paused, reduced, or cut temporarily?
  • Where are you spending out of habit, not necessity?

Knowing this number is empowering. It means you can act quickly and confidently, without scrambling to figure out how to survive if the unexpected happens.

Diversify Your Income (Before You’re Forced To)

Even if your job feels stable, having a little extra income is like carrying a backup charger for your phone, suddenly essential when the battery hits 1%.

Here are a few ways to start:

  • Freelancing or consulting with your existing skillset
  • Teaching, tutoring, or mentoring
  • Creating and selling digital products
  • Turning a hobby or interest into something monetizable. Pet sit, house sit, baby sit—someone’s always looking for someone.

You don’t need a full-blown side business overnight. Even $200–$500/month in extra income can reduce your stress and give you options.

Think of it as financial momentum. Start now, and when the time comes, you’re not starting from zero.

Refresh Your Resume, LinkedIn & Network (Quietly and Consistently)

This one may not seem directly financial, but it absolutely is.

It’s easy to put off updating your resume until you have to, but let’s be honest—that’s like trying to learn to swim while the boat’s sinking.

Your network and personal brand are assets. Keeping your resume and LinkedIn current—even if you’re not actively job hunting—means you’re ready when opportunity (or necessity) calls.

The same goes for your professional relationships. Reach out. Reconnect. Stay visible. You never know who might know someone who needs exactly what you do.

Think of this as preventative care for your career—it keeps things healthy even when nothing seems wrong.

Reframe the Fear: Preparation Is the Opposite of Panic

There’s often an emotional side to preparing for change. It can feel like admitting defeat before anything’s even happened. But that’s not what this is.

There’s this idea that preparing for a worst-case scenario means you’re being negative or dramatic. But really, it’s the opposite.

Life is unpredictable. Work changes. People evolve. You’re not bracing for doom, you’re creating space for clarity, and giving yourself breathing room and the ability to respond (not just react) when life shifts. And it will shift. When you’re prepared, you don’t have to wait for someone else to give you permission to move. You can make that decision yourself.

More Options, Less Anxiety

Preparing financially for a job loss or career shift doesn’t make you negative, it makes you nimble.

It means you’ve created space to think clearly, act wisely, and move forward without panic clouding your judgment. And it means when the next chapter comes, whether by choice or chance, you’ll be ready for it.

You don’t have to stay stuck in a job that drains you. You don’t have to panic if the economy hiccups. You’ll have options, and that’s everything.

And maybe, just maybe, it’s about permitting yourself to dream bigger than the job you’re in now.

Because the world is changing. And so are you.

And with the right financial foundation, you can face change not with fear, but with freedom.

Money & Relationships: How to Keep The Peace

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Money might not buy happiness, but it sure can buy tension if you’re not careful, especially when it mixes with your relationships. Whether it’s your ride-or-die best friend, a sibling who still “owes you from that one time,” or a business partner with Venmo amnesia, navigating money with people you care about is a tricky dance. But fear not! You can handle money and relationships without drama, broken trust, or awkward Thanksgiving dinners.

You just need a little awareness, a little planning, and a whole lot of honesty.

The Friendship Tab: “I Got You Next Time…”

Friendships can be a financial minefield if you’re not careful. One day you’re grabbing lattes or splitting an Airbnb, and the next thing you know, someone’s been “forgetting” to pay their share a few too many times. Over time, even the strongest friendships can start to feel a little off when one person is always footing the bill.

The key here is clarity. Talking about money with friends might feel awkward, but it doesn’t have to be. In fact, having open conversations about what things cost, what you’re comfortable spending, or whether you’re on a tight budget can actually strengthen your friendship. If you’re the one who’s always paying, it’s okay to speak up. And if you’re the one who’s fallen behind, just own it and offer a plan. A little transparency goes a long way.

Family Matters… and Money Does Too

Ah, family. The people who love us unconditionally, and sometimes also expect us to pay for dinner without saying a word. Whether it’s a cousin who needs to borrow money or a sibling who conveniently “forgets” about past loans, money and family is a sensitive combo.

But keep in mind: love and boundaries can coexist. If a family member asks to borrow money, it’s okay to ask yourself, “Can I give this as a gift instead of a loan?” If the answer is no, be honest about that and create a simple agreement that spells out when and how the money will be paid back. And if you need to say no altogether, that doesn’t make you selfish—it makes you responsible. You’re allowed to protect your financial well-being, even from people you care deeply about.

Love, Budgeting, and Other Romantic Adventures

Talking about money with your partner can be deeply uncomfortable, but it’s absolutely necessary. Financial tension is one of the top causes of stress in relationships, and ignoring it doesn’t make it go away.

Whether you’re newly dating or ten years into marriage, money should be a part of the conversation. How do you each feel about spending, saving, or debt? Do you prefer separate accounts, joint accounts, or a mix of both? These aren’t just financial decisions, they’re relationship decisions. When you work as a team toward shared goals, you build trust. And honestly, there’s something very attractive about building a future together with clear communication and mutual respect.

Money dates, by the way, are a real thing. Light some candles, grab a glass of wine, and look at your budget together. Financial intimacy is a vibe.

Business and Boundaries

Working with business partners, clients, or collaborators adds another layer to the money conversation. There’s potential for growth and success, but also plenty of room for miscommunication. Maybe your friend becomes your business partner, or someone hires you for a project and takes forever to pay. It happens.

To avoid issues, treat every professional relationship like, well, a professional relationship. That means writing things down. Contracts, payment terms, timelines, have everything in black and white. It keeps the expectations clear and protects the relationship, especially if things get bumpy. The most respectful thing you can do in business is communicate clearly, especially when money is involved.

Don’t Forget About You

Last but definitely not least, let’s talk about your relationship with yourself. Specifically, your future self. When you make smart money decisions today, you’re showing up for that version of you down the road who wants freedom, peace, and options.

That means saving when you can. Paying off debt when it makes sense. Investing in things that grow. It also means checking in with yourself regularly. Ask: “Am I spending in alignment with my values? Am I planning for the life I want?” You deserve to be the main character in your own financial story, not just reacting to things as they happen, but creating the life you want with intention.

The Bottom Line

Money doesn’t have to ruin relationships. In fact, when handled with care, it can actually strengthen them. It all comes down to honest communication, healthy boundaries, and being intentional with your choices. Whether you’re dealing with friends, family, romantic partners, or business associates, the same rule applies: talk about it. Be clear. Be kind. Be real.

Your bank account, and your relationships, will thank you.

Want to dive deeper into this topic? I’d love to hear your stories, questions, or thoughts—leave a comment or reach out. Let’s make money a tool for connection, not conflict.

Smart Money Moves to Make When Life Takes a Turn

/ Yvonne / Leave a comment

Life doesn’t always go according to plan. One day, everything feels stable and predictable. The next, you’re navigating a major change—a new job, a divorce, an unexpected illness, the birth of a child, retirement, or maybe the loss of someone you love.

Big transitions like these don’t just affect your daily routine. They also shake up your finances in ways that can feel overwhelming and even scary. Suddenly, the budget you’ve been sticking to doesn’t make sense anymore. Your savings goals feel out of reach. And you’re left wondering how to make smart decisions when everything is shifting around you.

If this sounds familiar, take a deep breath. You’re not alone. And while you can’t always control the change itself, you can take thoughtful steps to manage the financial ripple effects that come with it.

When life throws something big at you, it’s natural to want to take action right away. But sometimes, the best first step is to slow down.

Give yourself permission to hit “pause” and assess what’s really changed in your financial picture. Has your income shifted? Are there new expenses to plan for? Are you facing a gap in coverage, like health insurance or child care?

Taking the time to understand what’s happening can give you clarity. And that clarity can lead to smarter decisions down the road.

Your budget isn’t meant to be a one-size-fits-all forever plan. It’s a tool that should grow and adapt with you. That means when life changes, your budget needs to change, too.

Maybe you’re suddenly earning more—but also spending more on child care. Or perhaps you’ve lost a source of income and need to trim back on dining out and subscriptions. Whatever your situation, a fresh look at your budget can help you regain a sense of control.

You don’t need to figure out a long-term plan overnight. A short-term “transition budget” can help you get through the next few months until things settle. The key is to make your money reflect your reality—not the other way around.

One of the most overlooked parts of managing financial change is checking your safety nets. When life throws a curveball, having an emergency fund, insurance coverage, or support plan in place can be the difference between stress and stability.

Take this time to evaluate your backup plans. Do you have a cushion of savings in case something else unexpected pops up? Is your insurance coverage up to date with your current needs? If you’ve started or left a job, are there new benefits or gaps to be aware of?

Even small changes—like adjusting a deductible or reviewing your life insurance policy—can bring big peace of mind.

It’s not the most glamorous part of a life change, but updating your financial documents is crucial. This includes things like wills, beneficiaries on retirement accounts, powers of attorney, and even simple things like updating your mailing address with your bank.

During times of transition, it’s easy to overlook these details. But getting them squared away protects your financial well-being and prevents future headaches.

Here’s the truth: You don’t have to be a financial expert to make smart choices during change. And you don’t have to figure everything out on your own.

Talking to a financial coach or advisor can give you clarity and guidance, especially when you’re feeling stuck or emotional. Sometimes just having someone to walk through the numbers with you—without judgment—can bring a huge sense of relief.

Support matters. And the right help can turn a chaotic time into a turning point.

It might not feel like it right now, but change—no matter how hard—can be a catalyst. It’s a chance to realign your money with the life you want going forward.

Maybe that means being more intentional with your spending. Or finally tackling that debt. Or building a plan that creates more freedom, peace, and purpose in your day-to-day life.

Whatever the next chapter looks like, your finances can support it. And you don’t have to wait until things are “perfect” to get started. One small, thoughtful step at a time is all it takes.

Good Intentions Don’t Pay the Bills

/ Yvonne / Leave a comment

Let’s be honest: most of us have had that one moment where we told ourselves, “This is it. I’m finally going to get my finances in order.”
We made the vow.
We followed a few money gurus on Instagram.
We even opened a shiny new budgeting app.

But then…
Life got busy.
The motivation faded.
The credit card statement arrived, and the cycle started all over again.

If that sounds familiar, you’re not alone. But here’s the truth: no matter how much you want to be better with money, nothing changes unless you do.

The Problem With Good Intentions

Good intentions feel productive, don’t they? You mean to start saving. You plan to track your spending. You hope this will be the year you finally stop living paycheck to paycheck.

But if nothing actually happens, then all of that planning is just wishful thinking.

Because good intentions without follow-through are like writing a grocery list and never going to the store. You stay hungry, despite having the best of plans.

Why Taking Action Matters More Than Motivation

Motivation is great—but it’s unreliable.
Some days, you’ll feel like conquering your finances. Other days, you just want tacos and Target runs. And let’s be real—Netflix and takeout are way more tempting than logging into your budgeting app.

That’s why you need habits, not just hype.

Creating strong financial habits—like tracking your expenses, reviewing your bank account weekly, and automatically transferring money to savings—builds momentum that lasts even on low-energy days. It’s these small, consistent actions that move you forward, not the fleeting bursts of motivation.

Wishful Thinking Keeps You Stuck

You can dream of being debt-free. You can imagine what it would feel like to not stress about money. But without action, those dreams stay exactly that—dreams.

Let’s say you tell yourself, “I really want to build up my emergency fund.”
Cool. So what’s the plan?

If you don’t:

  • Set a specific goal,
  • Automate your savings,
  • Adjust your spending…

That emergency fund won’t grow itself. It’s not because you didn’t want it. It’s because you didn’t work it.

How to Turn Intentions Into Results

Here’s where you take back control. Start small and stay consistent:

  1. Pick One Habit to Start With
    Track every dollar you spend for one week. Just watch what happens.
  2. Automate What You Can
    Schedule a small, regular transfer to savings—even $10 a week is a great start.
  3. Set a Weekly Money Check-In
    Every Sunday (or whatever day works), spend 15 minutes reviewing your finances.
  4. Celebrate Progress, Not Perfection
    You don’t need to overhaul your whole life in a weekend. Just keep going.

Bottom Line: You Can’t Budget Your Way to Change With Your Eyes Closed

You already have the desire. That’s step one. But the real magic?
It happens when you take that desire and back it up with action.

Because at the end of the day, your bills don’t care about your good intentions.
Your savings account won’t grow on hope alone.
And your future self?
They’re counting on you to not just want change, but to create it.

Ready to stop wishing and start winning with money?
One small step today can lead to a very different tomorrow.