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Archive of ‘Spending Plans’ category

How to budget with a variable income

When you really break down a budget it consists of two two main components: Expenses and income. If you are on a variable income it can feel impossible to budget because one of the main components of your budget is a big-ol’ guess. Managing your money with a variable income is harder than a fixed […] Read more…

The 5 Most Important Traits of Successful Budgeters

When it comes to budgeting, people always seem in search of the perfect formula that will fix all their financial problems and set them on the road to success. (Hint: There is no magic formula!) Others assume budgeting has to be hard, take a ton of time or be the most boring part of their […] Read more…

A simple trick to make a REALISTIC Christmas budget

Fact: The information you hold in your head isn’t reliable. When it comes to money we double count, round down and forget to add the tax or shipping. It’s a sub conscious protection mechanism to make us feel better about spending. That’s why its’ important to know your numbers. Numbers don’t lie. So whether you […] Read more…

What your food numbers really tell you

Food is a hot button topic on any budget. It’s one of the first areas my clients zero in on to cut back. When you first start tracking, your food totals can be shocking! As a coach, food is also one of the first categories I want to look at with my clients because it’s […] Read more…

A budget isn’t about spending less. Its about this….

People always get scared to show me their budget because they think I’m going to tell them where they are spending too much money. But that isn’t the case. My goal is to optimize your budget, not just reduce it. Optimizing your spending focuses on where your money is going. Building a spending plan and sticking […] Read more…

Why I track my spending (and you should too)

In my coaching program, I teach clients how to develop a spending plan and track their purchases each month. This scares a lot of people. There are a lot of excuses that I hear (too much work!) but really most people just don’t want to look at their numbers on a regular basis. And let […] Read more…