Tag Archives: Saving

5 Steps to Prepare for Retirement When You’re Young

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It can be easy to forget about planning for retirement once you start your career and attempt to live on your own in your 20s or 30s. Unfortunately, many people fail to plan for their retirement until it’s too late, which can make it difficult to exit the workforce. To prepare for the golden years and secure your future, there are a few important steps to take when you’re young. Continue reading

Squirrel Medicine: Affirming An Abundant Future

Squirrel medicine reminds us to set aside a portion of our most precious resources as an investment in the future.

Native Americans considered all living beings as brothers and sisters that had much to teach including squirrels. These small creatures taught them to work in harmony with the cycles of nature by conserving for the winter months during times when food was plentiful. In our modern world, squirrels remind us to set aside a portion of our most precious resources as an investment in the future. Though food and money certainly fall into this category, they are only some of the ways our energy is manifested. We can conserve this most valuable asset by being aware of the choices we make and choosing only those that nurture and sustain us. This extends to the natural resources of our planet as well, using what we need wisely with the future in mind.

Saving and conservation are not acts of fear but rather affirmations of abundance yet to come. Squirrels accept life’s cycles, allowing them to face winters with the faith that spring will come again. Knowing that change is part of life, we can create a safe space, both spiritually and physically, that will support us in the present and sustain us in the future. This means not filling our space with things, or thoughts, that don’t serve us. Without hoarding more than we need, we keep ourselves in the cyclical flow of life when we donate our unwanted items to someone who can use them best. This allows for more abundance to enter our lives, because even squirrels know a life of abundance involves more than just survival.

Squirrels use their quick, nervous energy to enjoy life’s adventure. They are great communicators, and by helping each other watch for danger, they do not allow worry to drain them. Instead, they allow their curious nature to lead the way, staying alert to opportunities and learning as they play. Following the example set by our squirrel friends, we are reminded to enjoy the journey of life’s cycles as we plan and prepare for a wonderful future, taking time to learn and play along the way.

PHOTO (cc): Flickr / law_keven

Line Your Pockets In College

Heading off to college for the first time? If so, your to-do list probably includes dorm room decoration, choosing the right classes and ditching your high school duds for a decidedly collegiate style. However, Pepsi Refresh grantee Economic Empowerment Initiative (EEI) wants to add something else to your back-to-school agenda: getting your finances ready. Not sure how to get on the right path with budgets and credit? EEI’s Executive Director Samuel T. Jackson gave us some tips for ensuring you get your money straight for the next four years and beyond.

1) Build the habit. It may seem silly to make a budget when you’re about to be a broke coed, but Jackson says you need to have a plan for your money no matter how much (or how little) you’re bringing in. Even if you’re only making $100 a week from your work-study job, make sure you have money to cover your basic necessities. “Without a budget, it’s too easy to get in the habit of blowing your money on clothes, dinners and nights out with friends,” so get yourself on the right path from the very start.

2) Get plastic (but not too much). Thanks to 2009’s Credit Card Bill of Rights, if you’re not 21, you’ll need a parental cosigner or legit income verification showing that you can afford to pay with credit cards. Jackson says this isn’t a bad thing since, “Giving anybody a credit card without any education is like giving someone a car without a driver’s license.” He encourages students and parents to attend a financial seminar, learn how credit works and then get a low limit credit card to build credit early. Even if you have a low-limit card, Jackson warns, “It’s not free money. You can’t just run it up. You have to pay it on time.” He recommends students not have a credit limit more than half their monthly income, and once you have a card, only use it for emergencies. “It’s not for movie night or the club.”

3) Cultivate your credit score. Yes, your GPA is important, but it’s not the only number you need to focus on over the next four years. “Your credit score is more important than your GPA,” says Jackson. A bad credit score can follow you for at least seven years, keeping you from renting an apartment or purchasing a house or car. Plus, it’s common practice for employers to check job applicant’s credit scores, so make sure yours is in tip-top shape.

4) Bank smart: Depending on your needs, you’ll want to open an account at your school’s credit union or at a national bank. Make sure whatever account you choose has no fees and no limits on the number of deposits or types of deposits. Above all, says Jackson, stay away from currency exchanges and check cashing businesses.

5) Share the bill: Get one membership card to a bulk discount shopping store like Sam’s Club or Costco and then share that card with a group of friends. “Get your dorm hall to set up something where one weekend the hall gets toiletry items for everybody,” he suggests. You might not get the exact brand of body wash you want, but you’ll save money. He also suggests looking into book rental or buyback programs, and talking with upperclassmen to find out the savvy ways they’ve found to save money on campus.

This post originally appeared on www.refresheverything.com, as part of the Pepsi Refresh Project, a catalyst for world-changing ideas. Find out more about the Refresh campaign, or to submit your own idea today.

Photo (cc) by Flickr user stuartpilbrow

The Secret to Radical Savings

With the onset of hard financial times, “budget” is no longer a bad word, and the concept of “cash flow” is making its way into people’s minds. More women are running household finances than men, and people are clamoring to understand the ins and outs of their money flow. It is continually amazing to me that the simple calculation of “income minus expenses over time” can bring such a calming sense of control to personal financial matters.

What is maybe more fulfilling is that the positive conversation around women and money is expanding and gaining ground. Everyone in a recession is forced to face his or her finances. Families and individuals are getting creative together to squeeze the most out of every resource. Getting to know one’s own finances is the first step, and cash flow is pioneering its way into the everyday lives of individuals.

Spend Cash

While we’re talking about pioneering concepts, here’s another radical new idea. What if the next generation of money consciousness is cash-and-carry? What if we regularly only spent money with the cash in our pockets, and did away with our credit cards and debit cards? What if cash became a daily part of our lives, and when did we start believing collectively that if we don’t spend on a particular day, we are not participating in the world?

Did you spend money today? What did you buy? How about yesterday? Do you remember everything you purchased 12 hours ago? Do you, like most of us, have a formidable stack of receipts from purchases as part of your daily living? 

There’s a joke in my house that we map our road trips around where there’s a Peet’s Coffee shop. I have a coffee maker at home. I have a French press I love. But if I don’t wake up and go purchase my morning coffee at Peet’s I don’t know what to do with myself. The habit is engrained after 19 years of doing it the same way every day.

New Money Habit

That is a foreign concept to my parents. They can easily go several days without spending money. They don’t relate to the deep, unspoken feeling that they won’t exist in the world if they refrain from spending for a day. 

Here’s another radical idea. Maybe not spending every day is more an act of participating in the collective than spending daily, considering our country’s collective ache in the financial parts.

What did you refrain from buying today?

From Saving Tips to New Appreciations

My husband and I went to see the film No Impact Man last week, and it made me wonder how far I could take my own savings, and my own awareness of my personal and global impact, financially and otherwise. In the film, this guy in New York City pledged to live impact-free on the earth for one year. That means his wife and 2-year-old child lived without electricity, and bicycled everywhere among other surprising habits in a metropolis.

When you get that committed to a cause, your philosophies get tested. I suppose it’s not so surprising that after a year of churning out budget tips, my philosophies have been deepened and evolved, as we continue to contract from the money heyday. What started out as important ways to save and organize through the hard times have evolved into the sensual pleasures of every day living, conscious of the bounty I overlooked before.

Convenience Vs. Quality Time

In my effort to see how far I can take savings—and be curious about what hidden opportunities lie in that lifestyle—I have found vibrant community, the joy of beautiful produce, better quality time with my family, and a sense of accomplishment that comes from both meeting the challenge of leaner living, and the most delicious surprises…that come from the kitchen, nature, ingenuity, and my relationships.

I’m fascinated. I’m amazed and intrigued that what felt like buckling down and holding my breath in money matters has now created space and beauty in my life. Out of that fascination, I wonder, how far can I take it?

– What if we don’t buy anything new for a whole year? Do clothing swaps, buy from Craigslist and thrift or second hand stores?

– What if we perfect the hand-me-down circuit with kids’ clothing exchanges? In this area, I’ve been lucky. I haven’t bought anything new for my two-year-old son since he was born.

– What if I grocery shop only on the weekends so I can ride my bike, and take the kids to the farmers market or the produce stand? It becomes the most fun experience when we do, beautiful vegetables changing throughout the season, and a community of people we see every week. We share recipes and mark time as we see each other’s families growing up.

– What if I do research on who sells local? Make a weekend excursion of driving out the farm with neighbors and picking up food we’ll share for the week or month?

Soon, more than cutting costs, I’m increasing the quality of my family’s life. I’m becoming an active part of my community, ridesharing and walking my way to increase my health the environment’s. I’m supporting the local fish market, whose local fishermen caught the fish that day. My life is becoming immediate and sensual and earthy. My kids are making memories they’ll cherish. Convenience is losing its appeal to experience.

 

Lower Your Expenses with 12 Money Saving Tips

 

Print this out and put it on your fridge. You’ll want to remember these money saving tips and practice them every chance you get. These tips are not like crash dieting to lose weight fast. You have to put in some muscle to make them work. But I promise you if do, your life will change, bringing an end to the yo-yo money diet, and the beginning of financial freedom.
 
Create a budget.
This is one of those tasks in our household that is right up there with brushing your teeth. It is a must-do and it is on the calendar every week. Every Sunday I make a meal plan for the week and I refine our weekly budget. Out of this process I developed a cash flow management program called Green Sherpa. It helps me stay on track so that I don’t overspend.
 
Don’t spend beyond the essentials.
I call this my bare bones budget. It is as if I am in college all over again. What are the must-haves and the nice-to-haves. One really great exercise is to pull out a big piece of butcher paper and divide it into four parts. Upper left corner is must-haves, upper right corner is nice-to-haves, lower left corner is short-term wants, and lower right corner is long-term wants. Do this as a family if you have older kids, or with your spouse/partner. It is a great exercise for getting on the same page financially. It is always eye opening when you discover what is a nice-to-have for your spouse is a must-have for you. When you come to an agreement around these items, put the must-haves in your budget and only spend on those items for a month. How does that feel?
 
Learn to say "no" to some financial requests.
One of the biggest lessons my mom taught me was to say, “No.” When my daughter’s preschool asked for donations for a new garden, my tendency was to go to home depot and get some great Italian pots. Instead, I practiced a version of “No.” Instead of spending extra money I went into our backyard and got some of our old pots and had the kids do great handprints all over them. They were a hit! Today, practice saying no to anything that requires extra time or money from you. How does that feel?  
 
Reassess your property taxes.
If the value of your home is falling, call the County Assessor’s Office and request a reassessment. It could lower your property taxes. You don’t need to use a service to do this. You can request a reassessment on your own property on your own. It takes about ten minutes to complete the forms.
 
Call your insurance agent.
Review health, home and auto insurance, increasing deductibles and making other cost-saving changes where possible. I adore my insurance agent. He actually calls me with cost-saving changes for our policies. If you don’t have a close relationship with your insurance agent, create one. Call them and let them know that you would like to be updated for any changes that you can make in your policies over time that will save your family money. 
 
Lower your utility bills.
Review your utility bills such as water and electricity. Request a reassessment of monthly usage estimates, potentially lowering the cost. In my city, the water company will come out and do a free evaluation of your water usage. When we did this, their suggestions cut our water bills in half! The gas company will do the same. Turning off your pilot light during summer months for your heater can make a huge difference in your gas bill. More tips like these can be gained by spending the time talking to each one of your utility companies.
 
Lower your cable bill.
Cancel the cable TV subscription, or lower service to basic from premium. When I called to cancel our cable TV subscription (we have moved entirely online), the cable company offered us 2 free months of service. They also offered us our same package for lower rates. Just one phone call can save your family a significant amount of money.
 
Let go of your landline.
Cancel your landline telephone if you use a cell phone. This may be a generational difference but more and more people that I know are simply canceling their landlines and only using their cell phones. We have replaced the money that we used to spend on our landline with a date night dinner once a month.
 
Eat at home.
I cannot stress this enough. You will feel more resourceful and financially empowered by simply making your lunches and dinners at home. This alone can save hundreds of dollars each month (most likely more).
 
Buy local.
Most farmers markets and local meat and fish markets are open to offers. Offer $15 for multiple food items at farmers market instead of the $25 it would cost to buy the items individually. By buying locally you open yourself up to relationships based on negotiation and bartering and not simply paying market prices. 
 
Sell items of value that you don’t use.
Every time I go into our garage I find more items to sell on Craigslist. It is an ongoing joke in our house that no one is safe for very long in the garage. I create a “Sell” box and a “Maybe” box. I close the “Maybe” box and sell the other items. If I can’t remember what is in the “Maybe” box the following week I sell those items too. We have simply become too attached to things that don’t mean much to us these days. Let someone else enjoy these items and make money doing it.
 
Place whatever money you can into an emergency savings account.
This may be overstated but take whatever reserves you have, even if it is $10, and put that into a savings account. What has always helped me is setting up an automatic sweep from my checking into my savings. When times are lean it may be $5 but slowly you can increase it. It is amazing to see the results of regular saving on your sense of fiscal well-being. Try it!

The Upside of Anger – 8 Recession Trends to Which You Can Look Forward

The Dow may be down, the election depressing and yes pretty much everyone, not just Americans, is feeling kind of angry. But as more of us start searching for security, stability and savings there may actually be an upside to all this anger. As behaviors start to adapt during these tough times, here are eight trends we predict that may help change the way you see things:

1. Club Benefits: Now that there is no more cash for personal trainers or fancy corporate gyms in which to hang out, membership enrollments at neighborhood fitness clubs will likely change. Sure, there may be longer line-ups at the treadmill, but with that comes a fresh new set of people with whom you can connect. If you’re in the market to meet someone new here’s a hint: Most weight rooms are heavily concentrated with men while women tend to flock to group classes like pilates, and now is a good time to try something new.

2. The Return of the Happy Meal: Organic eating had a great run but now even the enviro-conscious will be forced to swap out costly farm-fresh fare for budget comfort foods. And now that McDonald’s and other fast foods chains are offering special promotions such as the $1 menu, millions are quickly going back to the fast-food value meal. In fact, amid the Wall Street carnage, McDonald’s most recent monthly sales jumped 8 percent, and its stock has held up better than average. We don’t know about you folks but we’re loving the fact that McD’s is no longer reserved for hangovers and happy meals. And with their development of designer coffee stations, maybe its time to give them another break.

3. From Stadiums to Sport Bars: Wonder where fans will go when when they are forced to give up their front row seats? Most will be trading in their season ticket for a flat screen at the local pub nearest you. Who needs a night on the town with $14 dollar cocktails when you can have cheep beer, free entertainment and screaming strangers around you?

4. Just for Lunch Dates: People may be pinched personally, but thanks to corporate overspending, organizations are slashing budgets too. And as many say so long to their expense accounts, restaurants are being forced to cut midday dining prices in order to survive. Those who consider dinner and drinks too much of a commitment will be taking advantage of power lunch savings. They’re quick, more affordable and you’ll already be dressed for the occassion.

5. At Home Entertaining: Calling it cocooning or nesting, whatever term you choose, it’s a reality that people prefer to stay in where it’s cozy, warm and comforting, especially on cold and miserable weekend nights. Rather than throwing lavish parties or testing out the trendiest new restaurant in towns, we will see more individuals cooking and entertaining at home. Unlike rowdy bars which tend to be overcrowded and impersonal, dinner parties provide a much more relaxed social atmosphere, which is ideal for meeting and getting to know new friends.

6. Staycations: Instead of booking far away trips more people will be spending their vacations exploring, relaxing or learning in their home city, saving thousands of dollars on pricey airline tickets and hotels. There have to be popular things to do in your own city that you haven’t done yet. Sightsee as if you were a tourist, check into a local spa for some R&R, bootcamp yourself into shape at your local gym or sign up for a week long learning intensive.

7. Clearing Clutter: Old style hawking will make a come back as people start pawning merchandise to make a buck. If you are strapped for cash now is the time to get rid of that wedding ring or silver studded cuff links your ex-in laws gave you. You can do so easily online, just check out MyGoldParty.com or BrokenEngagement.com. A variety of sites also let you sell your wedding dress, so be sure to check out SellYourWeddingDress.com and SellMyWeddingDress.com.

8. Recession-Sex: These days pleasure seekers will continue to do what feels good and costs less to make themselves feel better. And there’s nothing cheaper or more satisfying than the good old orgasm. The advantages of pleasuring yourself or someone else? It reduces stress, gets your blood flowing and will certainly take your mind off of the economy. How’s that for a smart investment?

Read more articles like this on SingleEdition.com

Why

A shocking report in the Los Angeles Times showed that single Baby Boomer women are at the greatest risk of living in poverty. Why? This is due because of lower wages, more spending and only bringing in a single paycheck. Many of us Baby Boomer women have to dramatically downsize our lives as we grow older. Instead of basking in retirement, many of us cannot even mutter the word ‘retirement’ let alone think of it. Instead, many of us have to work three jobs to stay afloat. But why?

Boomers Spend, Baby, Spend ‘The American Dream’ portrays the idea that having more is equated with being more. The bigger the house, the bigger the car and the bigger the shoe collection is correlated with being higher on the socio-economic ladder. Susan Sterne of the Economic Analysis Association notes that, “The consumer spree arose because consumers between 35 and 44 spend about 20% more than average consumers. Those between 45 and 54 spend about 30% more. Put these two age groups together and you have 40% of US households. This same group is responsible for half of the nation’s spending”.

Breadwinning Women? In the past, many ‘Baby Boomer’ women in their relationships had no direct control of their finances. I know that I fell victim to indirectly to this same feat. It was not that we did not care; we were just not educated in managing and budgeting our capitol. Many of us feel and act uncomfortable around the topic of money. We (and I find myself guilty of this) wish that there was a man to come to the rescue and save the day.

What Rainy Day? Hmmmm. What to do? Do you buy a new pair of Cheetah print Sling-backs or put an extra $100 in savings? (My closet has the tell tale signs of my shoe addiction.) Instead of saving for retirement, Boomers have spent their lives ‘living in the now’. Unfortunately, many of us have not saved enough to support our lifestyle leaving us in debt.

A recent Los Angeles Times article reported that, “Ellen Tucker Emerson cut short her nursing career to help raise her children, but money was never a worry.”He bought me furs and jewelry. We stayed at the best hotels.” Once her marriage was over, her financial life looked very different. Instead of taking glamorous trips, she sweats bullets to pay her bills. At age 51, Ellen wonders how she will get by in retirement

Bounce Back and Bounce Better Regardless of your age or situation, the time to take action is today! It’s NEVER too late. It has been gratifying to see that even if you have had a rocky financial road, you can make a change anytime you decide. Trust me, I know. I had $88,000 of corporate credit card debt as the result of losing my marriage and business the same year. In four years I paid off my debt and moved from a pool house to a lovely home.

As a life coach, it has been extremely rewarding to me to see women in their 60’s make successful career changes. You are never too old to take control of your life! Tips:

  • Get Real
    If your financial goals and needs are fuzzy, you will never be able to get ahead. Take a month and track all of your expenses and your income. If credit cards have been a problem, take a month and just use cash for your expenses. It is astonishing how cash will wake you up. When it’s gone it’s gone. I have found it helpful to put cash in separate envelopes. Groceries, gas, entertainment, medical, etc.
  • Write Down Your Goals
    Seeing is believing. When you write down your goals, you are first acknowledging the situation, the first step to a turnaround. By putting your goals on paper, you are creating your plan of action and that you will achieve.
  • Do Not Let Fear or Shame Stop You
    Many women feel ashamed of being in tight financial situations. Remember there is strength in numbers, so take refuge with a friend. Many times, money problems are more strenuous and difficult to talk about than relationship problems. Step up and get out, seek the help you need. Just speaking to another woman can help you get back to enjoying your life.
  • Get Help
    Seeking financial assistance will help to alleviate the problem. By speaking to experts who are trained in this field of expertise, they will be able to give you hands on information and support to steer you in the right direction. As you reach out will learn there are other ‘Boomers’ just like you dealing with the same issues.

Professional speaker, business coach and author, Eli Davidson, has helped millions of busy executives to ‘grab the wheel’ of their careers. Her coaching tips reach over 6 million travelers; she has appeared regularly on national TV and radio. Read and download the first chapter of her runaway hit book, Funky to Fabulous for free at www.FunkytoFabulous.com.

Ask Eli your career question at www.EliDavidson.com.

Mastering Money and Managing Debt: Being True to Your Own Action Style

 “Never be limited by other people’s limited imaginations. …You can hear other people’s wisdom, but you’ve got to re-evaluate the world for yourself.”
                –Mae Jemison, the first Black woman to travel space

If you are hoping to grow in the area of personal finance and organization, it is time to be really honest with yourself about your action style. How do you best stay on track with your goals? Are you a planner, the kind of person who gets more done when you set aside time each day to complete pre-determined tasks? Or are you a crammer, the type who is more productive when you are under a tight deadline? The basic question is: What motivates you?

Questions for Optimal Planning

Knowing your action style gives you expertise about yourself you can use as a foundation to achieve any task, whether it is reading a stack of loan papers or painting your children’s rooms. Begin by selecting a specific task and making some basic observations about it.  Next, ask yourself the following questions about your action style:

•    What motivates me?  (Fear, guilt, desire, hope, change, competition, etc.)

•    What helps me become “unstuck” when I am having difficulties getting started on a project or task? (Brainstorming, delegating, friend and family intervention, incentives, etc.)

Now ask yourself these follow-up questions to determine how to move forward:

•    How can I best motivate myself to begin this task based on my action style?
•    What are five things that I can do to move forward in completing this task?

Example

Task:  I want to organize my garage.

Observation:  I notice that this task does not move off of my to-do list.
What motivates me? I am most motivated when I feel excited by a project and know all the steps required to complete it.

What helps me become unstuck? When I have trouble getting started, it helps to fantasize about how the project might look and feel once it is complete. I also find it useful to brainstorm freely about all the steps necessary to complete this task and recruit friends or family willing to help out. (The project seems far less daunting when it is broken down into smaller tasks and the work is shared.)

How can I best motivate myself based on my action style? I can spend 15 minutes breaking down the project into itemized actions in a to-do list.

 What are five things that I can do to move forward in this specific task?

1.    Spend 15 minutes brainstorming and creating a to-do list for this project.

2.    Admire the neighbor’s beautifully organized garage to gain some inspiration and become excited about how great my own garage can look.

3.    Congratulate the neighbor on doing such a wonderful job in keeping her garage clean and organized, and imagine how proud I would feel if I could do the same.

4.    Include my husband/partner/neighbor/friend in my plan to organize the garage.

5.    Set aside some time and complete five items on my to-do list.

Now you have an action plan to motivate you to begin your task and guide you through it. Take five steps forward and keep the momentum going! Once you know what gets you started and what keeps you driven, you can act efficiently to tackle each item on your to-do list, one step at a time. What gets you started? Email me at Erin@GreenSherpa.com.

 

“Being True to Your Own Action Style” is step three in a 5-step process for mastering your personal financial management. For more tips to mastering your personal finances and managing your life’s flow, click on my other articles on this site, or find me at GreenSherpa.com.

 

Women and Money

I run a business that teaches women to manage their personal finances. It’s not solely for women; everyone benefits from the techniques. But I find that it’s women who most often use my services. Why? We are the multi-taskers. We care for our families, ourselves, our jobs, our environments, our communities. We put food in the fridge and on the table and get the kids out the door to school. We are emotional about our money, and with all of these things riding on it, we should be. Shouldn’t we?

Maybe we’re just emotional, period. And our financial scenarios get wrapped up in whether the dishes are done, who took the trash out, the exercise class you missed yet again (though you’ve been paying that darned gym fee for months now). Quite often, when we take a moment to organize the thing a money issue is buried under, the issue resolves before our eyes. Then it’s sayonara to the heartbreak…Until the next one!

Practice Makes The Heart Grow Fonder
Personal financial management is a practice. It’s a structure you employ to balance your life, like going to church or temple on the weekend, calling your mother on Sundays. When you map the flow of your life’s ins and outs—cash, kid projects, meetings, bills to pay—you better understand the resources you have to deal with it all. And you escape overwhelm.  

The Spending Plan
Every week, I make a spending plan. When I don’t, without fail, I overspend. Every week, I also take time to calendar weekly events. If I don’t, inevitably, something falls off the table and feelings get hurt. And every time, I ask: What happened??

If we are not leaning forward into our lives, making use of simple financial and time management systems, we will always be looking backward and asking what happened. Looking backward, our answers don’t have a lot of meaning. Creating abundance, safety and peace of mind can only happen by having a clear purpose and a plan.

Resources Are All Around Us
Don’t let the current starved economy fool you. Financial and time management is personal. Even when the big players are treading water, you can create stability in your own life and family by exercising control of your own income and outflow. Find role models whose organizational tactics you can mimic. Search the Internet for tips on planning and maximizing money. Form a neighborhood knowledge circle that meets once a week to share money education and organizational tips, and even offers resources like carpooling and errand-sharing.

The more you enrich your personal financial management skills, the richer you will actually be: richer in time, richer at heart, and even in pocket. Most importantly, supported by structure, money will be less of an emotional trigger, leaving you to spend those precious feelings on your family, your friends, your community, and the things you value. How would that feel? I’d love to hear. Email me at erin@greensherpa.com.

For more tips to mastering your personal finances and managing your life’s flow, click on my other articles on this site, or find me at GreenSherpa.com.

 

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