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I used to cringe when I heard the term, “Budget”. But then life smacked me right in the face in 2020. Not directly because of Covid, well, technically part of it was because of the pandemic, but long story short, we had an emergency arise in our family, my husband had to have emergency back surgery and I was furloughed from my nursing job for 4 weeks, basically laid off. My husband is a Farmer, and in April/May we needed to plant our farm crops of corn and soybeans.

You want to have a savings account beefed up with money in it to save and use for when an emergency happens, not if but when. This money will save you from going into debt when an emergency arises, like an emergency room visit for a broken arm, or a gallbladder surgery, or a car accident. Don’t get caught off-guard with no savings.

Be sure to read the whole blog post to learn how much money you should save per month for your short-term, long-term, and retirement goals.

What does it look like? What does it feel like? What have you accomplished? Have you left your current job? Has your family size changed? Are you going on an annual family vacation? Have you taken that girls’ trip? Are you saving for your future goals, both short-term and long-term? Have you remodeled your kitchen? Are you happy, like truly happy and fulfilled?

Creating a strategy, plan, and budget for your goals and dreams is important.

Read the full blog post for all the tips on how to budget for your big dreams!

Money drives us, whether you want a lot of it or you are content to have enough to get you by, money is a driving force for our decisions, so we need to know how to manage it responsibly, while also letting it allow us to create the life you want to live.

I am a firm believer, after years of not living a fulfilling and happy life, that you can create a life you want to live, not just live the one you are supposed to live. And money plays a role in this.

Read the full blog post to learn how to succeed in life and money!

I make a monthly budget, yes, monthly, each and every single month. Why? Well, because this has allowed me to FINALLY ditch debt for good and build up a big juicy savings account! I now feel financially secure and my mental health has improved tremendously.

Read this blog post to learn how I pay myself first and why it is crucial for you to do the same.

Make sure you are prepared financially for an emergency or disaster. In this blog post, I talk about how an emergency fund kept me and my husband out of additional debt.

Here are 5 ways to prepare your finances for an abundant 2024. Start with your SMART goals, be sure to create a budget and stick to it, pay down your debt, cut back on your discretionary spending, and build your savings!

Read the entire blog post for the list of 5 ways to prepare your money for a fulfilled 2024!

You are sick and tired of paying overdraft fees. A cash buffer is crucial to prevent you from going into the red in your checking account and saying no more to the fees!

Read this blog post on how to keep a cash buffer in your checking account and why it is important.

I’ve heard this myth, “Credit cards are bad”, so many times, I can’t even tell you how many. Credit cards are not bad, they are a piece of plastic or metal that allows you to purchase items and services. A credit card is a tool that can be used responsibly. It can also be used irresponsibly.

Read this blog post on how you can use credit cards responsibly.

Money dates are important to make sure that you both are on the same page when it comes to money. It allows you to share your concerns, challenges and wins.

Read this blog post to learn more about what a money date looks like, how to have one, and why it is important for your relationship and financial wellness.