The economy may be starting to grow, but, between stagnating wages and increasing living costs, many households must continue to try to squeeze more from their budget just to maintain their lifestyles. Finding a way to reduce their debt load is half the battle for some families, but many families can conquer their debt and…
DetailsWhen I do holiday posts, people always say, “Darn Mindy, if I had only read this in October I would have been all set.” So this is your public service announcement to get ready for the ho’days! You might have guessed that since I am a planner professionally, that carries over into my personal life…
DetailsLet’s imagine two people: Tommy and Janet who are in roughly the same financial situation. Tommy is constantly stressed out about money. He struggles to make ends meet every month, doesn’t have a savings plan, and has no idea where his money is going. He doesn’t think there’s any way out of his troubles unless…
DetailsThere is one point about money that is more important than any other, and that’s to understand what is required to generate wealth. Financial planning only matters if you have the potential to produce money in the first place. The key point to generating wealth So here it is: the one thing you need to…
DetailsI know the title of this post seems really harsh, and for some people, maybe it needs to be. The point is if you keep making poor excuses why you aren’t reaching your money goals, you will never reach them. Excuses are goal killers; a book on an entirely different topic helped drive that home…
DetailsScientists already know that expressions of gratitude make you happier. And essentially, isn’t that what Law of Attraction is? Losing your attachment to the future and enjoying what “is” right now. There has been a lot of backlash lately over the LOA mentality. Especially this year in the U.S., we have seen first-hand how circumstance…
DetailsThe mind is a powerful thing. More than any outside circumstance, your mind is the reason you make questionable money decisions (but it’s okay, we all do it!). A client said recently, “I would give up all of the money I am making this year if I could make things right with my daughter.” She…
DetailsDo you count the days until payday, and then watch all the money drain from your bank account to pay the bills the minute it arrives? Are you in a constant state of financial cha-cha; you take one step forward, but two steps back? If this sounds familiar to you, you’re in survival mode. It’s…
DetailsWhy 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 social-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…
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