Posts tagged strategy
Can't afford it? Or it's not in the budget?

I want you to try an exercise with me today. Take a deep breath, get out of your chair, and touch your toes.

Whoops, sorry - not that kind of exercise. Phew! You can stay sitting right where you are for this one. Sit, close your eyes, and take a deep breath (deep breathing is required for all kinds of exercises, it’s a rule).

Think about something that’s out of reach for you, financially.

This could be something grand, like a big international vacation - or something more mundane but also important, like getting a new couch when your old one kicks the bucket, or funding your emergency savings account.

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How to feel better about your finances with a money buffer

On this blog, I talk a lot about practical things - saving up an emergency fund, budgeting like a boss, and specific tips and tools for getting ahead financially. That’s all helpful stuff and I’m happy to provide some guidance and resources to help you.

Do you know why I’m really here, though?

I want you to feel less sh*tty about your money.

I want you to feel more freedom and choice around your money.

I want you to feel less panic and more peace.

I want you to sleep better at night.

I want you to stop living beyond your dreams.

One of the best ways to achieve these things, that very few folks talk about, is a one-month money buffer. This is also referred to as living on last month’s income.

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Money got you feeling stuck? How to get moving again

Sometimes I get stuck. I get overwhelmed. I get anxious. I worry about how I’m going to get it all done. I convince myself that that’s it - I’ve had the last customer I’ll ever have and I’ll officially be outed as a colossal failure. I think that life is often like this, especially as a small business owner; huge ups and huge downs. Exhilarating moments followed by crushing self-doubt.

 

I see this a lot with clients and readers, too. I did a survey a while back and a few words came up over and over and over. Stuck. Overwhelmed. Anxious. Nervous. Depressed. Frustrated. Inadequate. Does that sound like how you feel about changing your approach to money?

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Why your budget needs "blow money"

When you’re trying to save money, one of the first things you do is look through your expenses and try to cut unnecessary spending. You’ll pull back on eating out, you’ll think about cutting the cord with the cable company, switch to generic brands for a while, stuff like that. This is the natural impulse, and it is a good impulse. Overall, doing this can save you hundreds, if not thousands, of dollars every year.


But, there’s one area of your spending that you should not cut but you’ll be sorely tempted to. That area is your “blow money”.

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