Category: Financial coaching

December 2017-Joyful Year End

Merry Christmas and Happy Holidays!

As you end the year, begin to plan for the next one by reviewing your spending habits.  Do you know where you spent?  Did you stay on budget?  Were you able to save for retirement, unexpected emergencies, holidays, birthdays, special events, and vacations?  If you answered NO to any or all of these, then we are here to make cents4you!  Begin 2018 with our online courses…a self-paced video financial coaching series that allows you to navigate through WHY you spend money so you can create a personalized spending plan that makes cents4you!

You will also receive unlimited email access to your personal financial coach, monthly live webinars for Q&A with our founder Heather Gauntt, and downloads to assist you with following the step-by-step program to make cents4you!  Click here Cents+Ability Financial Courses to buy your membership today.

November 2017 – Thankfulness

As we enter November, I am reminded of all the things that I am thankful for…my family, my company, my friends, my health…and breathing fresh air, having plenty of food in the pantry and fridge, numerous outfits to choose from to wear, extra money to spend on vacations and business trips, fun money to spend on ME TIME and Girlz Nite Out!

But none of that would be possible if I did not have a thankful heart.  I believe that your finances are tied directly to your heart choices…your morals, your integrity, your gut feelings.  Some say you are what you eat, I say you are what you spend…so where are you spending your money?  Think about that and make a plan (also called a budget) so that you can tell your money where YOU WANT IT to go, not allowing it to fly away into the unknown abyss of “where did my money go, I still have month left!”

Once your budget is set, you can relax and make cents4you in the other areas in your life; being truly grateful and thankful for all those areas where you are rich!  For our treasure is not in gold or silver but through instruction and wisdom we gain wealth…Proverbs 8:10-12

October 2017-Is your Financial Stress Falling Away?

Don’t stress about your finances…when you are unable to resolve a physical issue you visit your medical doctor, when you are unable to resolve conflict issues you visit a counselor, so why are waiting to visit a financial coach??  You do not have to go through this alone, you are not the first person with this issue.  Contact us today to schedule a free consultation! 

SEPTEMBER 2017 – Pathway

Do you ever feel like your life is overcluttered, overwhelmed, overutilized?  You are not alone.  Many of us can feel the four walls closing in squeezing us into a smaller and smaller area.  Don’t be discouraged because there is hope!  You have control of how you feel, which empowers you to overcome the obstacles that life places in your pathway.

Just like in life, your finances can feel overwhelming sometimes…but don’t be discouraged!  Take back your life, make #cents4you by choosing the path that leads to your financial goals not someone else’s goals.  A monthly budget is the like the pathway that shows you the direction to go, but it has twists and turns, and yes obstacles.  Don’t allow negative feelings or circumstances to deter you from reaching your destination!

AUGUST 2017 – Financial Freedom

#TuesdayThoughts to make #cents4you choose today to take control of your finances!

Doing nothing will get you no where.  

If you have more month than money, or so it seems, begin today by telling your money where to go.

Step 1. FREEZE! Put a freeze on wanted items, pay only the essentials needed items – rent, utilities, groceries, cell phone, gas, car payment, insurance.  Temporarily stop going out to eat (take your lunch to work), pay-per-view & other entertainment, and buying gifts.  If you have a planned vacation go enjoy but take cash or set a limit on your spending BEFORE you leave!

Step 2. CALCULATE! Write down everything you spend for the entire month…you may be surprised at where it goes and how quickly you frivolously purchase unneeded items.  Plan your meals and take a shopping list to the grocery store and don’t buy anything not on the list.  To purchase gifts for birthdays and holidays, buy on sale and keep them in a PRESENTS BOX; you can label or wrap the gift as soon as you buy it.  This will cut down on last minute purchases and save you time and money to enjoy the event with your friends and family.

Step 3. PLAN! Most months you have the same bills with similar amounts:  rent, utilities, phone, car payment, insurance, groceries and gas.  While some months add expenses specific to that time of year: August – back to school, Nov & Dec – holidays, Summer-vacation, April – taxes due or you get a refund!  Plan your monthly budget accordingly and remember to save from DEC to DEC, which gives you twelve months to build for holiday purchases (or school supplies/clothing).  Don’t wait until DEC 1 to save for holiday purchases.

Step 4. SAVE! Once you know where your money is going, now you can begin to save and set aside 3-6 months of total monthly expenses.  This is crucial when unexpected costs such as a medical emergency or repairs,  or if a work layoff occurs.  You will find that it decreases your stress, gives you room to breathe easier, and keeps you sane!  Begin with setting aside $1000, then at the end of each month set aside the leftover funds in your checking into a savings account…I recommend opening a savings account at a different bank (once you reach $1000) because it is more difficult to transfer online and allows you to reach to your nest egg amount.  If you keep a same bank savings, you can then transfer large sums as your savings builds up to the other bank account.  When you get a raise, automatically place the excess into savings; setup your direct deposit to split into your savings account..out of sight, out of mind!

 

Remember, the journey to financial freedom begins with one small step to reach a huge reward!  When you are ready for a guide on your financial journey contact Cents+Ability to make cents4you!

JULY 2017 – The Road Less Taken

Many times we are told not to follow the crowd, but today I am going to explain why not to do so.  When you choose to take the road less traveled, it empowers you to follow your journey..your choices!  When you set the pace, pave the way, and follow your own lead then you can forge the pathway.  Oh your road could be similar to another, but only you are where you are because of your choices or reactions to shared choices (such as death, divorce, job loss, storms).  Where you spend your money is connected to your WHY!! and that is only found in your heart and mind.  You can either allow your money to control your journey or you can take that control and drive your own path.  There is no shame or guilt in asking for assistance when it is needed, we ask GPS for it all the time.  Contact Cents+Ability for financial coaching and allow us to guide you to financial freedom!

MAY 2017 – WHY do you spend money?

This month, I want you to consider not just how you spend your money but WHY you spend it?!  As a giver myself, I am always dropping off a gift for no reason to friends, coworkers, and family.  They love me for it, but am I appreciated or taken advantage of my generosity?  Don’t misread me, sometimes you give for nothing in return..but it should not drain you to the point of exhaustion mentally or physically.  When you have poured out of yourself so freely that your soul is empty then you have to refill it.  That is what true, healthy relationships look like…give and take.  Receive as much as you give and your cup runneth over!  Now you can keep giving.  Has your wallet ever felt the sting of not being able to provide for your own needs because you gave it all away??!!  My advice is to set your boundaries, allow the natural consequences to occur, and stop rescuing others.  Let them learn from their mistakes.  Stop crossing oceans for them, when they won’t jump a puddle for you!!

March 2017 – Take a break

Spring break season is upon us, are you ready to THRIVE?  Fun times should already be included in your budget, as well as vacations and birthdays.  Most people forget to include these and then may feel they are missing out in all the fun, or they feel guilty because they could not spend what they feel the gift is worth.  However, if you plan for one year, think of all the funds that you could save to pay for the fun!!  Begin today for next year’s…or even the ones later this year and don’t miss out!

 

To learn more about budgeting signup for our budgeting class or a group coaching session near you!  Check out our calendar and click on register.

February 2017 – Loving

As the season of love approaches, I am reminded that you should love yourself first.  So what does that mean?  Loving yourself is not selfishness but creating the best you to THRIVE in all you do – relationships, work, finances.  When you pay yourself first by setting aside your savings, your retirement, or fun money; then, you are setting yourself up for success in the future.  You are thriving to become all that you can be by setting aside funds for your future plans and goals.

If you would like to find out more, sign up for our WOW! board class.  Find one near you on our calendar and register today.