When you have a major money decision to make, what criteria do you use to determine what is the right course of action? Most people don’t have a formal process for money decisions. In fact, I’d go so far as to say that most people don’t approach their finances with any kind of conscious intent.…
DetailsA while ago, I had a prospect say to me, “Mindy, this service is not cheap. Are you sure this will be worth it for me?” Honestly? Not at all… I can’t promise any kind of particular results when someone works with me on their personal finances, mostly because I’m not their mother and not…
DetailsAre you constantly worried about your bank account? Do you feel guilty when you buy something that is non-essential? Do you feel you are constantly playing catch-up with your money? Even people who have plenty of money can find themselves worrying about it. Even those who aren’t living paycheck to paycheck, who don’t have crushing…
DetailsLast blog I talked about how people need to eliminate the shame they feel around their debt in order to have the right mindset to pay it off. Essentially, to prepare to pay off debt, you must: Be out of survival mode and feeling like life has returned to (somewhat) normal Working from a place of…
DetailsThere is so much shame attached to money problems, and debt in particular. “I should have known better…” “How could I have let it get this far?” “I’m so irresponsible…” “I can’t be trusted.” Whenever I speak with a potential client who is struggling to pay off debt (and it doesn’t matter how big the…
DetailsFOMO stands for Fear Of Missing Out. And if you’ve got it, it’s costing you money. I’ve been talking to a lot of people lately who are experiencing serious FOMO about something. Multiple people have expressed concern about missing out on: Buying a home while real estate prices are low Buying a home in case…
DetailsWe’ve all heard that money is a tool to help us get what we want, but… what do you want? Do you want to “treat-yo-self” because you’re only just tolerating the job you’re required to do? Do you shop online WAY too much because it’s easier to do that than it is to take a…
DetailsTraditional money advice sometimes bugs the crap out of me. Articles about money by so-called money experts often come up with these inane little suggestions that are supposed to help you get control of your money. My favorite is the idea that skipping your daily or weekly latte (every money advisor’s favorite analogy) or your…
DetailsI get asked ALL OF THE TIME for the best personal finance book out there (uh, mine!). But it really depends on your criteria, doesn’t it? Also…I hate that question because I don’t think reading a book is going to help. I don’t believe that you can approach personal finance like a topic in school…which…
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