Have you ever noticed that different messages work at different times? Like, if I just ate too much and I am feeling guilty, that is going to be a totally different health self-talk than say, when I am in the middle of a tough workout and need some sort of Rocky-esque inspiration to make it…
DetailsThere are always choices when it comes to personal finances. And, they’re always personal. But, what if your decisions are outside the box of what others think or do? That’s OK. And, actually, it’s perfect. It should never be about keeping up with the Joneses. Just because they vacation every year in Hawaii doesn’t mean…
DetailsIn my last post, I talked about Dick and Jane’s awesome, unique and creative vision to replace Jane’s income in five years. But many times, when I am talking to clients, they start with the idea that they can’t have life balance AND money. That to get what they want they have to give up…
DetailsThere is a movement called FIRE that stands for Financial Independence Retire Early. These people do a lot to retire early, and there are stories of super-human frugality. The point is, these people are working hard to save and to get to that point of leverage – leveraging savings, assets, everything to move to a…
DetailsDoes your debt give you anxiety? Do you try not to think about it? Does the thought of what you might need to do to eliminate the debt cause you to start breaking out in a cold sweat? If yes, you’re not alone. And a lot of financial planners would start out by looking at…
DetailsWhen you’re stressed, do you tend to use shopping as one of your coping mechanisms? No judgement – this is totally normal. The thing is, many people who have issues with spending too much aren’t learning alternative skills that are healthier than coping mechanisms. Especially when it’s so easy to click a button and have…
DetailsIt’s very difficult to set a 12-month goal for just about anything, but it’s especially difficult when it comes to money. What I do find useful however, is to take advantage of the natural ebb and flow of life. Summer? Not a great time to tighten the belt intentionally, but sometimes clients tell me they…
DetailsThe past few weeks I have been talking a lot about financial planning. And I hope it’s clear now that financial planning is not about products, or investments, or even about deprivation. It’s not about feeling that you need to “do” something; instead, it’s about getting urgent about your results with money. Instead of working…
DetailsHave you ever noticed that money tends to disappear unless you pay attention to it? It’s true. (It’s that dreadful feeling we get when we look at our bank statement at the end of the month and think, “Where did it all go…?”) That’s why it’s essential that you have clarity around what you want…
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