I’ve been there. After a messy expensive divorce in which I made a few costly emotional decisions, the financial implosion of 2008, a layoff, and a huge rent increase all in the same year (and I thought 2020 is bad!), I hit my financial bottom. My bank account was perilously low, my credit cards had high balances, I had no job, and my expenses had increased dramatically.
If you are reading this blog, you most likely have already created your financial roadmap to the future, but it bears reminding that even the best laid plans can change in a moment. How long has it been since you reevaluated your plan? Is it in step with your life goals as they stand now?
Are you ready for what comes next?
2020 . . . A pandemic. Fires. Earthquakes. Floods. Hurricanes and tornadoes. Social unrest. Political acrimony. Economic peril. What else can possibly go wrong??
Everything. And anything.
As we enter September, we are only three-quarters of the way through this tumultuous year. And although the month was not originally named for so many wide-ranging and far-reaching crises, it is apropos that September is National Preparedness Month.
Ringing In the New Year
We’re just days away from ringing in the new year! It’s that time of year for resolutions… get in shape, tackle a cluttered garage, eat better, etc. In my work as a Daily Money Manager, I hear all sorts of Financial New Year’s Resolutions. Here are some of my favorites as well as practical advice on how to achieve them.
Hello 2017 Tax Planning
The 2016 tax return season is officially behind us. Well, unless you filed an extension. For many of my clients (and my staff), we’re breathing a sigh of relief. We’ve spent hours sifting through paperwork, downloading transactions, categorizing expenses, and preparing reports. If this year’s tax prep was a major drain (and pain), let’s look at what you can do now to make next year easier.
For some, budgeting is an exciting journey, exploring where one’s money goes each month. Others, well… let’s just say they’d prefer cleaning their bathroom over creating a budget and reviewing it each month. A bullet journal may be the way to turn those debits and credits into a healthy and helpful game. Let’s take a look at what they are, what they do, and the different types available.
Schools out and Summer is here! Many of my clients are planning their vacations. Concerns about how they’ll manage their bills and overall money management concerns often arise. Before you pack that suitcase, here are a few things you can do to make your next vacation a financial-worry-free zone.
With the explosive use of technology in the last twenty years, how we manage our lives has dramatically changed. When taking stock of their finances, my clients are often surprised at how scattered and complicated their digital assets can be.
As a daily money manager I get that question a lot. Both provide important financial-related services to their clients. Both have professional distinctions. Both hold positions of trust. So what’s the difference? I’ll happily explain the differences as well as the circumstances when we work together.
Knowing that I help clients who struggle with paper — bills, important documents, and the like — a good friend recommended this book to me: The Life-Changing Magic of Tidying Up by Marie Kondo. “Life changing… you’ve got to be kidding me? is what I was secretly thinking.” Then I read it. And I know it’s possible.