Fiscal Fitness

  If any of you aren’t sure about what I can do for you and how the fee-only financial planning process works, this may help: I work like a personal trainer does, except I work on your fiscal fitness! The analogy isn’t original and it is a little simplistic but it does make sense. Just like a personal trainer: We have to do an assessment. What kind of shape are you in now? This isn’t to judge you,...

New Budget/Debt Management Package

If you or a loved one is struggling with managing finances, I’ve started offering a package that is designed to educate, motivate and inform the recipients of how to get a handle on their money. The menu item from my services page follows: Back On Track Plan {Great Gift Idea for Those You Love!} This is a judgment-free plan for those of you that are struggling with debt or with being able to save. We will create a...

A Resolution Worth Keeping

While most New Year’s resolutions are worth keeping. Those associated with your happiness, health and wealth should receive priority. And, necessarily, as a personal financial planner, I have to advocate for those resolutions relating to your financial security. If you have peace of mind surrounding your financial situation, it makes dealing with the other obstacles life throws your way less overwhelming. The basics...

Save on Auto-Pilot

There are two types of people in the world. Habitual savers and the rest of us. The habitual savers were either born that way or had role models that showed them the way. Good news. The rest of us can figure out a way to save. After a while, it’ll feel so good that we start to do it without thinking about it. The hard part is getting started. During this blog entry, I’m talking about all types of savings. This can be for...

Pull Your Head Out (of the Sand)

Do ostriches really hide their heads in the sand when they’re afraid? I’m not sure about ostriches but I know many people do this when confronted with their personal finances. They figure if they ignore the facts, there won’t be a problem. The problem with this behavior is that by not taking a good hard look at your personal finances, you’re probably making an already bad thing worse. I know I’m generalizing, some...

Shopping: A Religious Experience?

I’ve heard many people refer to “retail therapy”. Although with many, it seems to be an, almost, religious experience. I’ve been guilty of being a devout shopper in the past. So what’s changed for me? I’m not any better or advanced than anyone else. I’ve been on a lifetime journey to be the best I can (still getting there!) and to be happy (I’m there!). Over the years, my education, plus books I’ve read...