W
e get it, talking about
a budget, a financial
plan or preparing for
retirement sounds important but
we usually tell ourselves “I’ll get
to that later”. The truth is, taking
a leading role in monitoring your
money now, can ease your stress,
increase your happiness, and have
a hugely positive impact on your
future. The time is now, because if
you say “later” it turns into never.
You deserve to be a money boss
and create freedom for yourself.
Your killing it everywhere else in
your life, now get your money shit
together.
We hear frequently from our cli-
ents how money causes stress
and anxiety. Most of the time, their
financial situation isn’t that bad;
they’re making decent money,
paying their bills, contributing to a
401(k), but lacking clarity. Where
is my money actually going? Why
don’t I have more saved? Why is
this so difficult? You may even
have something we call disap-
pearing money syndrome! We as
women tend to be the heartbeat
of our families, multi-tasking be-
tween work, family, friends, and
other commitments. We don’t al-
ways give ourselves and our needs
top priority and too often those fi-
nancial matters slip through the
cracks.
ing to create the map that will get
you there. Nothing is off the ta-
ble here, so dream big! Once you
know what your goals are, we can
then break down how to get there
into manageable practical steps.
2. Know What You Own. Take an
inventory of where your money is.
Checking, savings, retirement ac-
counts, investments etc.
3. Know What You Owe. How
much, what are the terms of re-
payment, what is the interest rate?
Getting a clear idea of what your
debt looks like can help determine
the best plan to pay these off most
efficiently.
Spending Habits. Basically- do a
budget. Budgets get a bad rap. No
one wants to be told they can’t
spend money on their favorite
things. However, the simple act
of putting pen to paper can create
an awareness that surprises most
people who think they “aren’t buy-
ing that much”. Typical areas of
over-spending that we see are
food and drinks (those $4 coffees
add up quickly!), on hobbies (Do
you really need more craft sup-
plies right now?) and on your kids
(maybe it’s time your 16-year-old
bought their own iTunes?).
5. Adjust spending habits to meet
goals- the ability to track your
money and know where it goes
4. Understand Your Cash flow and
Here are some top things you can
do to start taking control:
1. Write down your goals. Mon-
ey on its own means nothing, It's
what we attach to it that gives it
meaning and inspires us to have
it in our lives. Having goals and a
plan for your money allows for
more freedoms in your life and the
ability to manifest what you desire.
You must know where you are go-
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