This week I did my first Masterclass! I was very excited but very nervous (but that's another blog post altogether! Just so you are in the loop, I've had in my heart a desire, a want, almost a need, to create some kind of community around money and budgeting. Mostly inspiring Women to get out of their rut, step into their full selves and tackle their finances. With this I don't mean to imply that all women are in debt and that they need help paying credit cards because they … [Read more...]
Money talks: Sinking Funds, Mason Jars, Love and Hate!
So we've been talking about budgeting and organising money and all things people don't want to talk about... I've talked about setting a Christmas fund and a vacation fund so that you can set money aside and when those events come around you are all set up to enjoy them without stressing about the money! Well, one of my friends came around to the blog and read a few posts, one was the one I talked about Christmas funds and she told me how much she enjoyed. (that was nice! I … [Read more...]
Are you ready? Let’s break it down? Let’s talk money!
Do you believe in the law of attraction? I do! I'm into all the woo stuff and I believe I'm a better person because of it! However, let me just get it out there, I haven't yet found the formula to talk about the "b" word without people breaking out in hives!! I'm working on it. And the truth is, the more I talk about budgeting I'm attracting more like minded people and that is a good thing! Because of that I decided to tell you about all the different budgets there are and what's … [Read more...]
Why you NEED to be a Math genius to be Financially Successful – the myth!
Ok so how much do you agree with the title of this post? Normally I'm very "There's no Wrong answer", but in this case there is. The title is totally true!! You don't have to be a math genius to do well with your money! We believe that debt, saving, spending, investing is a math problem! It's not! It's mainly a behaviour or beliefs problem that is keeping us stuck! be it in spending or in saving, because it's a problem when you are a spender and you spend too much, but it's just … [Read more...]
Mindfulness and Intentionality
Today I'm starting with some big words!!! But if I haven't lost you yet it's a good sign, if you are only curious about what I'm going to write about it's also fine, I'll take it! And thank you for sticking with it... I've been struggling a little a lot, with the word budgeting (I wrote it small so I don't scare you either!!). I'm finding, through talking and publishing on social media about my like (aka, almost obsessive love) for them, that people have aversion to the word and … [Read more...]
Financial Success
What is Financial Success to you? Is it having so much money that you don't have to have a budget and can just spend whatever you want on whatever you want? Is it living comfortably, spending and saving some money each month and be able to go on vacation twice a year? Is it being mindful of your money, no matter how much or little you have, have a plan and sticking to it, be able to give some, spend some and save some? Is is having enough, paying your bills and debts … [Read more...]
How much should we spend on cost of living?
Last week I shared with you our family budget. It's probably very different from yours and it serves as an example of how to do a budget. We actually struggled to get it to where it is, and truth be told, this month I'm going to be over the budget for groceries. Once again, yes, I know Easter comes once a year 40 days after mardi gras! But, I didn't think I'd need to buy anything extra because, we can't have friends or family over. It turns out there's no meat and we have to buy … [Read more...]
The 14 Day Money Hunt Challenge
My favourite challenge is here! I love getting money anyway I can and specially if I don't have to work hard for it. I believe we don't have to work so hard to earn our money and we must find ways to work smart. For me, the 14 Day Money Hunt is a way to get money and be smart about it. I do this at least once a year and for me it's a game and I love it. Yes, you might argue that I love a lot of things, like budgeting and money and spending, chat can I say! But getting back to … [Read more...]
Emergency Fund
Today, I'm going to tell you about the Emergency Fund! What is an Emergency Fund and Why do we need one? Both very good questions, so lets start with the first one, What is an Emergency Fund? An Emergency Fund is money that you saved and have, preferable in a bank account or somewhere where you can't see it so that you don't spend it, on anything but Emergencies. So why do I need one if I can't spend it? Another excellent question. Let me go on and I'll tell you all about … [Read more...]
Our Budget
This week I'm going to share our personal budget. We do have a budgeting app, everydollar, that I fill out every month with my husband on our budget date night! And if you are wondering, yes there is wine and some whine in that meeting!!! Sometimes there's even cheese. But I need to put pen to paper and actually write the numbers on a sheet of paper. I remember them better that way and it feels more real to me, just like I prefer to spend actual money instead of using a debit … [Read more...]