Now that you’ve written down your monthly expenses, I’m sure you have started to see spending areas in which you can cut back. Remember, when you are getting out of debt, it is imperative to make short-term, temporary sacrifices now so that you can win financially long-term. Everyone’s situation is different, and everyone has different [...]

Many individuals and families find setting a budget to be a daunting task and can’t seem to keep a budget intact for very long. The key to not feeling trapped and bossed around by a spreadsheet is to consider it a ‘spending plan’. YOU get to determine where your money goes! Spend your money by [...]

Today’s blog is a reflective exercise to acknowledge what is going well and not so well with your finances. If you’re not in a place where you can write your answers now, please consider your answers to these questions until you can complete the exercise fully.To get started on your debt-free journey, it’s really important [...]

I’m thrilled to have my article How to Create Your Millionaire Mindset appear on Melinda Emerson’s SmallBizLady site. Here is the beginning of the article: 1.  The first step to creating your millionaire mindset is writing down the lessons you’ve learned on your journey. If you’re like most of us, you’re probably not too happy [...]

I’ve collaborated with hundreds of clients over the years to manage their budget, reduce their spending, and show them how to live on less than they make.  I’ve mediated productive family discussions.  I’ve shown clients step-by-step how to manage bill collectors, pay off their debt and avoid foreclosure or bankruptcy.  I’ve helped them determine the [...]

Regardless of income, we all deserve to enjoy the holiday season with friends and family. Start to plan out your holiday budget now so that you don’t find yourself digging out of more than snow this January! Here are some ideas to get you off on the right track to responsible spending and joyful sharing! [...]

Are you a spiritual person who: Has negative financial beliefs you inherited from your parents? Was money mishandled when you were growing up? Have you had negative experiences with money? Do you feel like you’re experiencing the same financial problems over and over? Are you asking for and being paid what you’re worth? Would you [...]

Are you a spiritual person who: Has negative financial beliefs you inherited from your parents? Was money mishandled when you were growing up? Have you had negative experiences with money? Do you feel like you’re experiencing the same financial problems over and over? Are you asking for and being paid what you’re worth? Would you [...]

BACK BY POPULAR DEMAND! Learn how you can take your First Steps toward Financial Freedom this month by enrolling in my next teleclass for just $10! This 4-week teleclass will be held each Wednesday in February from 12p-12:45p PST beginning on Feb. 8th. Make this February the month your change your life by participating in [...]