Posts tagged feelings
No one knows what they're doing with money

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.

 

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F*ck single ply (AKA stop feeling bad about spending money!)

Do you ever find yourself saying, “Oh, I know I shouldn’t spend that, but…”, or “I know it seems extravagant, but…” in a dismissive way - in a way that indicates that you should feel guilty or ashamed of your spending?

Stop doing that.

I want you to stop feeling bad about your spending.

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You need a budget - How to tell if YNAB is right for you

This was going to be a review of You Need A Budget (YNAB). You know, an unbiased look at the pros and cons of a very popular piece of personal finance software. And while I am going to talk about the pros and cons of YNAB, I can’t bury the lead.

You guys, I love YNAB so much.

I’m a YNAB evangelist and I don’t care who knows it. I can’t pretend to be unbiased about this at all. I’ve been using YNAB for a decade and use it with 100% of my clients. I’ve tried other tools and they just...fall short.

That said, YNAB isn’t for everyone (who said that?? Not me!). Here’s how to tell if it’s right for you.

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Your money problems are a symptom

How do we know when we are sick?

We get a tickle in our nose, we get a nauseous feeling, we get a headache. Our body experiences pain or discomfort. We feel that pain and we do one of two things - we either treat the symptom (take some pain medication), or we treat the symptom and the underlying disease. We know, from experience, that a symptom rarely is a finite, disconnected thing. It’s usually the tip of the iceberg that we can see or feel, signaling a bigger issue underneath. Sometimes that’s a routine issue like a cold or flu, but sometimes it’s something bigger.

Money sickness is a real thing, too. Here are some of its symptoms - recognize any?

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Is Budgeting Worth All The Work?

Budgeting can feel like a chore. It takes up time, it takes up your mental energy and space. It requires a new habit in your life that’s already really busy and frankly, you’re having a hard enough time as it is keeping up with all the other ‘shoulds’. You ‘should’ exercise more, you ‘should’ be drinking more water and less wine, you ‘should’ be making home-cooked meals for your kids every day, you ‘should’ call your mother more often, you ‘should’ be saving for retirement and saving for college and...ugh. It’s a lot of ‘should’s.

So why ‘should’ you be adding budgeting to that list?

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Why Budgeting Isn't Really About Money

Do you remember that viral online dating video that was going around a few years ago, where the woman tried to talk about herself and kept breaking into “sorry, I’m thinking about cats again”?

Yeah, that’s me - but with budgeting instead of cats.

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