Most budgeting issues are caused by 2 problems: a spending issue or an income issue. A spending issue means someone makes enough money to cover their bills, expenses, savings and moderated fun spending, however they overspend on things they don’t need, so it feels like they don’t make enough money. An income issue means someone […]
5 Signs Your Current Income Isn’t Cutting It Read More »
It can be hard to ask for help. It can be even harder to know when it’s time to ask for help. Unfortunately, the longer you wait to fix a problem, the worse it can become. In finances, but also any other area of life. Investing in help to fix a problem can save you
6 Signs It’s Time to Invest in Help for Your Finances Read More »
As formal as the term “money management” sounds, it’s a very basic concept: managing your money. Basically, making sure you are in control of what is and isn’t happening with your money. You have a budget that helps you tell your money where to go. You have goals for your money to help you live
6 Money Management Myths to Leave Behind Read More »
A budget is a tool. A budget is a necessity. A budget is not designed to make your life miserable. So often I hear people complain about budgeting, as if the budget is the problem. Unfortunately, it’s a person’s income, spending habits, or a combination of the 2 that’s the problem. The budget simply brings
5 Things an Effective Budget Always Has Read More »
We’ve all been there – saying we’re going to control our spending, only to impulsively visit Sephora (or any other retailer) and spend way beyond our means. If I’m being honest, that was a norm for me in my early twenties. I had no form of self-control. No means (or wants) of stopping my unnecessary
5 In-the-Moment Mantras to Help You Control Your Spending Read More »
I’m proud to say that I’ve been actively managing my money for nearly 20 years. I’ve also been helping women manage their money for nearly 10 years. As I explained in CGS Podcast Episode #122 – Financial Education vs. Financial Experiences, there’s nothing like learning from good (and bad) experiences when it comes to your
5 Things You Shouldn’t Ignore When Managing Your Money Read More »
I’m proud to say that I’ve crushed and maintained the 800+ credit score mark for over 5 years now. What helped me get to an 800-credit score is not the same as what’s helped me keep it! There have been random months where my score would take a hit (for example, when I paid off
5 Tricks to Keep My Credit Score in the 800s Read More »
When I got my first job out of college, I remember opting in to my company’s 401k plan. They were offering to match up to 5%, so I contributed 5%. I didn’t know much about what I was doing (like most young working adults), but I knew it was a smart move. Fast forward to
6 Ways to Familiarize Yourself with Your Retirement Plan Read More »
If you know my story, you know there was a point in my life where I valued material things. I would spend my last dollar to buy a new top. I would rack up credit card debt to ensure that I had an outfit for the weekend’s events. It got so bad that I had
5 Statement Pieces I Want to Budget For Read More »
