The average tax refund in America is around $2000. Enough to do something. To make a difference...somewhere. But where? Should you save it, pay off debt, or take your family on vacation?Read More
What if a budget was a gift to yourself, rather than a diet you put yourself on? In this video, I'm talking about what I mean when I say "budget" and how that can help you embrace the B wordRead More
Ever really wanted something, but knew you didn’t exactly need it? This week’s Two Cents Tuesday video is for you. In it, I’m talking about the ways that I use wish lists to get what I need without spending lots of money - no whining and begging required.Read More
Pull up a chair and pour yourself a glass of wine, because we’re going to talk about how to handle money with a partner without losing your marriage or your mind.
OK – here’s the first and most important thing you need to know. Your relationship with money isn’t about money (and neither is your partner's). Wait...what?Read More
Humans are great short term thinkers, and pretty poor long-term thinkers. We want things and we want them now. This makes things like paying down old debts, saving for the future, and cutting carbs oh-so-tough. Not paying debt and eating pasta is just...better than the alternative. At least, until a few years later when we’re cursing our younger selves and trying to repair the damage that was done.
A big part of this reason is that in essence, we’re actually of two “brains” here - an emotional (short term) brain, and a logical (long-term) brain. As one author of a study on economic behavior said, “Our emotional brain wants to max out the credit card, order dessert and smoke a cigarette. Our logical brain knows we should save for retirement, go for a jog and quit smoking.” Even the most logical among us has felt this tug, and it’s telling to know that we’re really hardwired to respond to short-term stimuli. Flashing lights, great sales, oncoming tigers.Read More
As you start to work on your finances, you’ll probably find that it’s a lot more work than you thought. There’s a lot more nuance, there are a lot of decisions. There’s a lot to learn. (That’s where I come in).
On top of that, whenever you start to work on your money, a lot of feelings come up. Confusion. Overwhelm. Anger. Fear. Shame.
Let’s talk about that last one. Shame.
What’s the point of having big, overarching financial goals? They’re so hard to achieve! And so tough to stay motivated to reach. How do you stay motivated to do the day-to-day work on something when the result is years away?
Get out your shovels, because we’re digging in deep here.Read More
So you’ve decided to try out YNAB.
Maybe you’re doing it because your brother-in-law keeps pestering you about it; you saw it on Reddit, or or maybe you found my blog post drooling about how much I love it.
If you want to know how to get started using YNAB, you’re in the right place! I’ve been using YNAB for over a decade and teaching other people how to use it for several years. YNAB is my jam. I love walking people through it, step by step, so that they not only learn how and why to use this magical, life changing money management tool, but also how to make it fit their actual life.Read More
I’ve had a lot of folks asking recently how, exactly, to do their own bookkeeping. It seems so overwhelming! There are a lot of systems out there, there’s a lot of fear of screwing it up, and, well...you’re not a bookkeeper! How are you supposed to know what to do?
For whatever reason, you’ve decided that it’s not time to hire a bookkeeper (yet). Maybe your business is too new, too small, money’s too tight, or you want to make sure you understand how things work so you can oversee a contractor. All good reasons!
And yet - what does DIY bookkeeping even mean?
You’ve probably heard that most New Year’s resolutions fail. I’m betting you don’t need a scientist to tell you that, if you’ve ever set one yourself. So how do you improve the odds? Here are some research backed tips to making this year one in which you move ever closer to your ideal self.Read More