How do you make a good budget? Whether you’re building a better budget or making a gourmet meal, what do you start with? Better ingredients. If your building blocks aren’t right, how can your budget be right? You wouldn’t make a third-date-dinner with stale ingredients, would you? Why do you keep making “budgets” without of date ideas and tools?
If you’re reading this, you’re not saving enough money.
I know what you’re thinking: “UGH another one of those articles? Aren’t there enough? I’m embarrassed enough already!”
I’ll spare you the dreadful statistics about American savings rates and net worth and the scary charts about how much you should have saved by now and oh my god that’s just for retirement and you’re also supposed to have some sort of giant emergency fund too, right? And if you have kids...I won’t say the dreaded C word but you know what I’m talking about.
Suffice to say, virtually none of us are saving enough money.Read More
Wanna know the #1 reason people reach out to me for help with their money?
Wanting to save more money, and not knowing how.
Why’s it so hard to save? You make a decent income. You know you make more than your basic expenses. So what’s going on?
You don’t know where your money is going.
You’ve heard about budgeting. When you go down the rabbit hole of the internet trying to figure out how to get a handle on where your money is all going, you keep hearing, “get a budget!” or “try this software!” which, when you have a variable income, is like telling someone with a gushing head wound “have you thought about a bandage?”
What if there was a way to budget your money that worked great for variable incomes?
There is - it’s called zero based budgeting. It’s a different system than what most budgeting systems are, which is why it works so much better for this instance. Whether you’re a freelancer, working a steady job with a side hustle, in a commission based job, or are a business owner - you can budget in a way that actually works.Read More
Are you sick of overspending, no matter what system you seem to try? What if I told you that I had a super simple system that would guarantee you couldn't overspend, and you could get up and running within an hour? Enter envelope budgeting.Read More