Get your finances in order. Whether it's your New Year's resolution or it's just time to stop the stress, we are here to help! According to a recent Inc.com article, 32% of respondents say their new year's resolution is to save more and spend less money. In fact, is in the [...]
Finding and declaring your ONE WORD for 2019 can set you up for success Research shows that resolutions are largely ineffective for making positive, sustainable change. Twenty five percent of people break resolutions within one week and sixty five percent break them within weeks. Selecting a word of the year [...]
We all have some kind of goals with our money and since we are getting close to New Year's resolution season it's time to start to get clear with our financial goals and how to make them a habit. The problem that most people have is that once they set [...]
We very much live in a "keeping up with the Jones' " society. Financial success for a lot of Americans means having tons of toys and making sure everyone sees them. Unfortunately, a lot of the time those people that outwardly look like they are financially successful are really living [...]
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 [...]
Time management and money management are intimately connected. We often see clients who suffer from poor money management in part because they have poor time management. The two are definitely related. “Why is a budget coach talking to me about managing my time? The reality is they are very connected [...]
Supercooling your home in the summer can save big money on your electric bill. Do you dread summer electrical bills? In Arizona, we can get away with bare-bones electrical bills in the winter since it is so nice here. But in the summer, it is an absolute nightmare trying to [...]
In today's short and sweet episode of The Saver and The Spender, Kelsa goes over one simple yet powerful conversation you can have with your child about money. Starting at the age of 2, this conversation can help your kid start to form a positive relationship with money and work. [...]
Do you feel like there’s not enough money to get you to the end of the month? Are you drowning in debt and don’t know how to fix it? Are you wondering if you should participate in your employer-sponsored retirement plan? These and other money-related questions can be answered by [...]
Unexpected medical costs can be frustrating and stressful. Insurance premiums continue to rise, benefits continue to decrease, employers contribute less and less and out of pocket costs continue to skyrocket. As the insurance policyholder, it is your responsibility to find out exactly what you are responsible for when it comes to [...]