Why is it that some people are constantly going broke, while other people are like the millionaire next door, living well below their means? You know, aside from socio-economic stuff and all things being equal. In my experience, it’s because these two different types of people have different money set points. When we HAVE money,…
DetailsHave you ever made a New Year’s resolution? Or maybe two? Or twelve? And right now is about the time where you take stock and think, welp, the year didn’t go exactly the way I hoped, so maybe I just say the heck with it until January. I get that feeling. For a lot of…
DetailsIf you’ve been hanging out with me for a while, you know I love me some bacon. And in spite of all of those nitrates, bacon has helped me take better care of myself financially. So I am re-upping my annual homage to bacon and how it helps you save money. You see, there were…
DetailsHave 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…
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