When I was growing up, I remember my mother was an account reconciling ninja. She would sit at her old-fashioned, humongous roll-top desk with a pile of cancelled checks, her check register and her most recent checking account statement. She would methodically go through the register, crossing off the checks that had cleared, and then…
DetailsI hate frugality. I think it makes sense not to waste money, but I’m not just going to cut back for the sake of cutting back. And I hate it when I see my clients having tight cash flow, looking for ways to cut back even more to fit their life into their income bracket.…
DetailsSaving money is hard when you’re self employed; no employer is withholding taxes for you, or funneling matching money to a 401k from your employee paycheck—it’s all up to you, the entrepreneur. (Some call it the dark side of self-employment). And when cash flow is less than ideal, sometimes it’s hard to have the discipline…
DetailsI am going to pose a scenario for self employed people—this can also apply to employed people, so either alter the scenario to one that fits for you or pretend that you are making the jump to self employment. Okay? Here’s the scenario: Imagine an acquaintance contacts you. S/he says, “______(name), you do _______ (your…
DetailsWhen I made the decision to become self employed 15 years ago (at the mere age of 12, ha-ha), it was because I saw self employment as the single-best way to never limit my income potential. And as a daughter from a VERY traditional family, I thought self employment would allow me the flexibility to…
DetailsI see couples who argue about money all of the time; but they are productive arguments, with individuals fighting for balance and who can laugh about it afterwards. What really worries me is when I meet with only one half of a couple—then I suspect that they are facing some relationship problems, which might turn…
DetailsThere was a time in my life when I believed that hard work and “proving myself” were the keys to getting a pay increase and financial success. I believed that if I showed my employers what a valuable employee I was, they would reward me appropriately. I didn’t realize until much later that my lack of emphasis…
DetailsWe all arrange our lives to match our perception of money. There is an upper money ceiling that prevents you from busting through your money “comfort zone,” and a lower limit that prevents you from financially crashing. Until you have a realistic understanding of how your life functions at the higher level–and recognize the ideas…
DetailsYou’re fat. You’re poor. You’re unemployed (or making no money). You’re unhealthy. You’re alone. And you have no one to blame but yourself. OUCH. These are the HORRIBLE things we tell ourselves in our weak, painful moments. We would never speak this way to another person! But when we get in this head space, we’re…
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