Using cash can be a game changer when it comes to stopping overspending and sticking to your budget. We have come across studies (I wish I could find them right now) that have shown you save between 12 and 20% when you use cash compared to credit cards. Part of [...]
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Better than Grandma's Cash Envelope System The cash envelope system has been a budgeting tool for a long time. I have clients who tell stories of their grandparents using the system to make sure they had enough money for all necessities like groceries, gas, restaurants, and entertainment. While this system [...]
Just as every budget is customized, so is your cash envelope system. What is a cash envelope system? When you begin working with me, we will take a look at your overall budget and decide which expenses are best to use cash. You then withdraw that amount from the bank [...]
You’ve likely heard of the “cash envelope system", the idea of which is to use cash for everyday purchases such as groceries and eating out. I’m a huge advocate of using cash for daily spending but it must be done right. Saying “I’m going to use cash” is one thing, [...]
You probably work as hard as I do, and I know every once in a while my husband and I like to go out to eat, as sort of a mini celebration for conquering our weekly goals. Well, in order to take the stress out of dining out, use cash! [...]
Thank you for joining me for my IDFA seminar, "Day to Day Money: The Art of Financial Coaching" As a financial coach, I have seen time-and-time again clients who are in the process of a divorce transform their finances in ways they could not imagine when they first started [...]
A big step towards getting a handle on your budget is knowing your expenses. You might think expenses are expenses. If the money’s going out, it’s an expense. But here at Fiscal Fitness, we like to think of your expenses in four distinct ways: fixed, recurring, non-recurring, and whammies (the [...]
Get your Roadmap to Financial Independence We’ve got something exciting brewing over here at Fiscal Fitness that we can’t wait to share with you! In this episode of The Fiscal Fitness Podcast Jill answers the big questions about Financial Independence and why this movement might just be the thing you’ve [...]
Make side hustle money by reselling stuff you buy on the cheap! Nowadays there are so many opportunities to make some extra side hustle money. Uber, Lyft, Fiverr and Postmates are very common options; just to name a few. We have all sold something that we had lying around the [...]
It’s the light at the end of the tunnel for many working parents, a day they look forward to and possibly even countdown to as the moment draws closer. What is it? It’s the day you get to make your last daycare payment. https://giphy.com/gifs/excited-oprah-shouting-y8Mz1yj13s3kI There’s a reason this [...]