Reflect, Review, and Refresh: A Guide to Assessing Your Finances Before 2025

Dec 23, 2024 | Book of the Week, Building Emotional Muscle, Building Financial Muscle, Credit Score, Debt, Debt Payment, Debt Repayment, Educational Series, Episodes, Financial Health, Financial Management 101, Holiday Season, Holiday Spending, Home Loan, Mindset, Mortgage, Relationships, Retirement, Saving Money, Self Development | 0 comments

As the year draws to a close, it’s natural to think about what’s next. But before you dive into new resolutions, let’s take a step back and look at your 2024 finances. Reflecting on what worked (and what didn’t) helps you move forward with clarity and confidence. Here’s a simple guide to reviewing your finances so you can start 2025 refreshed and ready to go.

1. Celebrate Your Wins

Before you jump into what needs improving, take a moment to celebrate your financial wins. Did you manage to save more than expected? Finally pay off a credit card? Stick to a new budget? Acknowledging your achievements, no matter how small, gives you a sense of progress and keeps you motivated.

Make a list of all the positive changes you’ve made or financial goals you’ve met this year. Reflecting on what you’ve achieved will give you a boost of confidence as you prepare for your next steps.

2. Identify Areas for Improvement

Once you’ve celebrated, it’s time to take an honest look at where you could improve. Ask yourself questions like:

- Were there any unexpected expenses that threw off your budget?
- Did you struggle to stick to any specific financial goals?
- Are there areas where you overspent?

This reflection isn’t about criticising yourself, it’s about understanding where things may have gone off track. Knowing where you struggled will help you set realistic goals for next year and find ways to tackle those challenges head-on.

3. Review Your Debt and Savings Process

Your debt and savings are two major pillars of financial health. Look at where you stand with each:

- Debt: How much debt have you paid down? Did you reach any of your debt reduction targets?
- Savings: How is your emergency fund? Are you on track with your retirement savings or other savings goals?

If you didn’t reach your targets, that’s okay. Use this information to adjust for next year. Maybe you’ll aim to contribute a bit more to your debt payments or bump up your savings rate. Small changes can have a big impact over time, so don’t feel pressured to overhaul everything at once.

4. Assess Your Spending Habits

Sometimes, our spending habits change without us even noticing. Take a look at your spending patterns over the past few months. Are there categories where you consistently overspend, like dining out, online shopping, or subscriptions?

This review can reveal where your budget could use a little tweaking. By identifying your personal spending triggers, you can plan ahead and avoid overspending in the future. It’s all about aligning your spending with your priorities and making sure your budget works for you, not the other way around.

Assess Your Spending Habits in the Past Year

5. Update Your Financial Goals for 2025

Based on your review, set fresh goals for 2025. Remember to keep your goals specific and realistic. Here are a few examples to get you started:

- Build an emergency fund with three months’ worth of expenses by the end of the year.
- Pay off one credit card or reduce your debt by a specific amount.
- Save for a family vacation or a big purchase, like a car or home improvement project.

Whatever goals you choose, make sure they’re meaningful to you. When your goals reflect what you truly value, you’re more likely to stay committed.

6. Adjust Your Budget to Reflect New Priorities

A new year often brings new priorities. After reflecting on your 2024 finances, update your budget to reflect any changes in your income, expenses, or financial goals. This might mean increasing your savings contributions, adjusting debt payments, or cutting back in certain areas to make room for new expenses.

Remember, your budget is a tool, it’s there to serve you. Make adjustments that help you live comfortably within your means while still working toward your goals.

7. Setup a New System for Regular Check-ins

One of the best ways to stay on track financially is to check in regularly. Whether it’s a monthly review or a weekly “money date,” commit to a consistent routine where you:

- Review your spending and savings.
- Track your progress toward goals.
- Adjust your budget as needed.

Regular check-ins make it easier to catch any issues early and keep your goals top of mind. Plus, they help you stay accountable and give you the chance to celebrate progress each step of the way.

Final Thoughts

Reflecting on your financial journey from the past year can give you valuable insights and help you start 2025 with confidence. By assessing where you are now, you’re giving yourself the power to make informed decisions and set realistic, meaningful goals. Here’s to wrapping up 2024 on a positive note and building a prosperous year ahead!

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Debt Detox: Tips for Paying Down Holiday Debt and Starting the New Year Strong

Dec 17, 2024 | Building Emotional Muscle, Building Financial Muscle, Credit Score, Debt, Debt Payment, Debt Repayment, Educational Series, Financial Health, Financial Management 101, Home Loan, Mindset, Mortgage, Relationships, Retirement, Saving Money, Side Hustle | 0 comments

The holidays are a season of joy, but they can also come with a hefty price tag. If you’ve spent a bit more than planned, don’t stress! January is the perfect time to tackle that holiday debt and set yourself up for a fresh financial start. Here’s a simple guide to help you detox your debt and enter the new year feeling financially strong.

1. Assess Your Total Holiday Debt

Start by getting a clear picture of what you owe. List all your holiday-related expenses, from credit card balances to any financing or store credit used for gifts, travel, or holiday activities. Knowing your total debt helps you avoid surprises and gives you a clear starting point.

Jot down each debt’s balance, interest rate, and minimum payment. This way, you’ll be prepared to choose the best strategy for paying it off efficiently.

2. Choose a Debt Repayment Strategy

Once you know what you’re dealing with, pick a strategy that works for you. Here are two popular options:

- - The Snowball Method: Start by paying off your smallest debt first. Once it’s cleared, add that amount to the next smallest debt. This method builds momentum, as paying off smaller debts quickly can feel motivating.
  - The Avalanche Method: Start with the debt that has the highest interest rate, saving you more money in the long run. Once you clear it, move to the next highest interest rate.

Both methods work well; it just depends on what motivates you more – quick wins or long-term savings.

3. Cut Back (Temporarily) to Boost Repayments

To pay down holiday debt faster, look for small, temporary cutbacks in your budget. This could be as simple as cutting down on dining out, skipping a few subscription services, or holding off on new purchases for a month or two. Every bit you save can go toward chipping away at your debt.

Even a few small changes can make a big difference over time. For example, redirecting $50 a week toward debt could mean paying off $200 extra per month, speeding up your progress considerably.

4. Avoid Adding New Debt

While you’re focusing on paying down holiday debt, try to avoid taking on new debt. This might mean holding off on big purchases or saying no to smaller “treat yourself” items for now. The goal is to keep your focus on reducing what you owe so that you’re starting the new year in a stronger financial position.

It’s all about setting boundaries. Give yourself permission to pause on non-essential spending, knowing you’ll get back to it once you’re in a more comfortable spot with your debt.

5. Consider a Balance Transfer or Consolidation Loan

If your holiday debt is spread across multiple high-interest credit cards, look into options for consolidating or transferring the balance. A balance transfer card with a 0% introductory offer can give you a breather, allowing you to pay down the principal without additional interest for a limited time.

Alternatively, a low-interest personal loan can help you consolidate multiple debts into one manageable monthly payment. Just be sure to read the fine print and choose an option with favorable terms that genuinely help your situation.

6. Look for Extra Income Opportunities

Bringing in a little extra cash can speed up your debt payoff. You might consider picking up a side hustle, selling unused items around the house, or offering freelance services if you have skills others can use. Even a small boost in income can help you make extra payments and reduce your debt faster.

Use any additional income exclusively for debt payments until you’re in a more comfortable place financially. It’s a short-term effort with long-term benefits!

7. Set New Financial Goals to Stay Motivated

While paying down holiday debt is the priority, it’s important to stay focused on your broader financial goals. Once your debt is more manageable, shift your efforts toward building savings, contributing to your emergency fund, or working on other long-term goals.

Set one or two financial goals for the year, like “Build a $1,000 emergency fund by June” or “Pay down $2,000 in debt by year-end.” Having these goals can keep you motivated and give you something to look forward to once the holiday debt is under control.

Set New Financial Goals to stay Motivated

Start Today for a Better Tomorrow!

Holiday debt doesn’t have to weigh you down for long. With a focused approach and small adjustments, you can knock out that debt and start the new year with confidence. Remember, every little effort counts, and you’ll feel empowered as you watch your debt shrink. Here’s to a fresh financial start and a strong, debt-free 2025!

Are you ready to take control of your finances and start your debt-free journey? In this empowering 30-day course, we’ll guide you through actionable steps to help you break free from debt and achieve financial stability. Join the Debt-Free Journey Challenge today!

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Holiday Spending Survival Guide: How to Enjoy the Festive Season Without Breaking the Bank

Dec 3, 2024 | Book of the Week, Building Emotional Muscle, Building Financial Muscle, Credit Score, Debt, Debt Payment, Debt Repayment, Educational Series, Episodes, Financial Health, Financial Management 101, Home Loan, Mindset, Mortgage, Relationships, Retirement, Saving Money, Self Development | 0 comments

The holiday season is here, and with it comes the urge to celebrate, give generously, and create beautiful memories with loved ones. But let’s be honest, the holidays can also bring financial stress if we’re not careful! Here’s a survival guide to help you enjoy the season without breaking the bank, keeping your finances on track as you head into the new year.

1. Set a Holiday Budget Before Spending

Before you dive into holiday shopping, set a total budget for the season. Think of this as your overall spending cap – a number that includes gifts, decorations, travel, and any other holiday-related expenses. Write this number down and commit to sticking with it. Having a clear limit makes it easier to say “no” to last-minute splurges that can quickly derail your budget.

2. Make a List and (and Check It Twice)

A gift list is a holiday essential! Write down each person you plan to buy for, along with a spending limit for each. Then, brainstorm gift ideas that fit within your set budget for each person. This approach helps keep your spending intentional and reduces the chances of overbuying or going overboard on any one gift. Plus, you’ll likely avoid those frantic, last-minute purchases that always seem to cost more.

3. Focus on Meaningful Over Material

Holiday shopping is often about finding that “perfect” gift, but the best gifts aren’t always the most expensive ones. Consider giving experiences, homemade gifts, or personalised items. Here are a few budget-friendly ideas:

Experiences: Tickets to a show, cooking a meal together, or a picnic outing.
DIY Gifts: Bake cookies, make a photo album, or create a handmade card.
Quality Time: A heartfelt letter or spending a day together can mean a lot.

These gifts often leave a lasting impression, and they won’t hurt your wallet.

4. Avoid Financing Your Holidays with Debt

Credit card debt can sneak up on you, especially during the holidays. If possible, stick to cash or a debit card for holiday purchases. This way, you’re only spending money you actually have, avoiding any dreaded January credit card surprises. If you must use a credit card, try setting a hard limit and commit to paying off the balance immediately after the holidays to avoid high-interest charges.

5. Take Advantage of Sales and Discounts (But Be Smart About It)

Many retailers offer holiday sales, which can be a great opportunity if you’re strategic. Check for online discounts, use coupon codes, and compare prices before buying. However, resist the temptation to buy things just because they’re “on sale.” Stick to your list and buy only what you need. A great deal is only worth it if it aligns with your budget and your holiday gift plan.

6. Consider a “Secret Santa” for Larger Groups

If you’re buying for a big group – like extended family or friends, consider suggesting a Secret Santa or gift exchange. This way, each person only buys one gift, which saves everyone money. You can set a budget limit and focus on one thoughtful gift instead of buying for everyone. Plus, it makes gift-giving fun and more meaningful without the financial stress.

7. Don’t Forget Hidden Holiday Costs

Holiday expenses go beyond just gifts. Food, decorations, travel, and even extra utility costs can all add up. Budget a little extra for these “hidden” holiday expenses to avoid dipping into savings or putting them on credit. If you’re hosting, consider making it a potluck so that everyone can pitch in and share the costs.

8. Plan for Next Year’s Holidays

One of the best ways to manage holiday spending is to start planning now for next year. After the holidays, consider setting aside a small amount each month toward a “holiday fund.” This way, when the season rolls around again, you’ll already have money set aside, and you won’t need to scramble or rely on credit cards. It’s a great strategy for breaking the cycle of holiday debt and ensuring you’re financially prepared.

9. Prioritise Self-Care Over Stressful Spending

Finally, remember that the holiday season is about connection, gratitude, and joy. It’s easy to get swept up in the pressures of gift-giving, but focus on the experiences and people who matter most. Practice self-care, and don’t feel obligated to overspend just to make others happy. The memories you create with loved ones are often worth far more than anything you could buy.

FINAL THOUGHTS

The holidays don’t have to leave you financially stressed. By setting a budget, focusing on meaningful gifts, and avoiding unnecessary debt, you can enjoy the season without compromising your financial goals. Here’s to celebrating a joyful, financially stress-free holiday season and to starting the new year on solid ground!

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Why It’s Time to Get Your Money Sorted

Nov 26, 2024 | Building Emotional Muscle, Building Financial Muscle, Credit Score, Debt, Debt Payment, Debt Repayment, Educational Series, Financial Health, Financial Management 101, Home Loan, Mindset, Mortgage, Relationships, Retirement, Saving Money, Self Development, Side Hustle | 0 comments

It’s time to get real about your finances. Maybe you’ve been putting it off, hoping that things would magically improve, or that a sudden windfall might solve your problems. But deep down, you know that waiting won’t make things better. If you’re tired of feeling stressed about money, uncertain about your future, or like you’re not in control, then it’s time to take action.

Sorting out your finances is the best gift you can give yourself and your family. It might feel overwhelming at first, but with the right approach, you can take back control of your money, create a more stable financial future, and finally find the peace of mind that you deserve. So, let’s dive into why and how you should get your money sorted right now.

Why It’s Time To Get Your Money Sorted

1. Regain Control and Reduce Stress

Financial stress can impact every aspect of your life. It’s hard to sleep when you’re worried about how to pay your bills. It’s tough to enjoy your weekends when you’re constantly thinking about mounting debt or unexpected expenses. Money worries can even strain relationships and affect your overall mental health.

But imagine if you knew exactly where every dollar was going and felt confident about your financial decisions. Getting your money sorted means creating a budget that works, setting up a savings plan, and having a strategy for paying down debt. The peace of mind that comes from knowing your finances are under control is truly life-changing.

2. Achieve Your Financial Goals

Whether it’s saving for a house, planning a dream vacation, or simply building an emergency fund, financial goals are what keep us motivated. But without a clear plan, it’s easy for these goals to remain just that—dreams.

By getting your money sorted, you’ll be able to create a roadmap that takes you from where you are now to where you want to be. It’s not just about cutting back on lattes; it’s about setting realistic goals, tracking your progress, and making adjustments as needed. With a solid financial plan in place, those dreams start to feel within reach.

Don’t let your dream vacation remain to be “in your dreams.” Get your money sorted and achieve your financial goals one at a time!

3. Prepare for Life’s Uncertainties

Life has a way of throwing curveballs when you least expect them – job loss, medical emergencies, car repairs, you name it. Without a financial safety net, these unexpected events can send you spiraling into debt and financial uncertainty.

Building an emergency fund and establishing good money habits now means that you’ll be prepared when life doesn’t go according to plan. It’s about creating a buffer that protects you and your family when things get tough, so you don’t have to rely on credit cards or loans to get through a rough patch.

4. Break the Cycle of Living Paycheck to Paycheck

Are you constantly counting down the days until your next paycheck? You’re not alone. Millions of people find themselves in a cycle of living paycheck to paycheck, with little to no savings and the constant pressure of making ends meet.

Sorting out your finances is the first step toward breaking this cycle. By understanding where your money goes each month and making intentional changes, you can start to build a cushion between paychecks. It’s not just about earning more; it’s about managing what you already have in a way that creates breathing room and financial stability.

How To Get Your Money Sorted

Now that you know why it’s so important to get your money sorted, let’s talk about how you can do it. The process might seem intimidating at first, but with a few simple steps, you can take control of your finances and start seeing progress.

1. Start With a Financial Snapshot

Before you can make improvements, you need to know where you stand. Start by creating a financial snapshot. Write down your income, expenses, debts, and savings. Be honest with yourself—this is your starting point. Understanding your current situation will help you identify areas where you need to make changes.

2. Create a Budget That Works for You

Budgeting isn’t about depriving yourself; it’s about making sure that your money is working toward the things that matter most to you. List out all of your monthly expenses, including fixed costs like rent or mortgage payments, utilities, and groceries, as well as discretionary spending like dining out or entertainment.

From there, set limits for each category based on your income and financial goals. The key is to find a balance that allows you to cover your needs, save for the future, and enjoy a few treats along the way. A budget should be flexible enough to adapt to your lifestyle but firm enough to keep you on track.

3. Build an Emergency Fund

Life is unpredictable, and an emergency fund is your financial safety net. Aim to save at least three to six months’ worth of living expenses in a separate account that’s easy to access but not too tempting to dip into. Start small—$1,000 is a great initial goal—and then work toward building up that cushion over time.

Having this fund in place will prevent you from resorting to high-interest debt when unexpected expenses arise, giving you peace of mind knowing that you have a financial backup plan.

4. Tackle Your Debt Strategically

Debt can feel like a heavy weight dragging you down, but it doesn’t have to be that way. List out all of your debts, including the interest rates and minimum payments. Focus on paying down high-interest debts first while making minimum payments on the others.

Once you’ve knocked out those high-interest debts, redirect those payments toward your remaining debts. This method, known as the debt avalanche, helps you save on interest and pay off your debts faster. Alternatively, if you find it more motivating, you can use the debt snowball method, starting with the smallest balances first for quick wins.

5. Automate Savings and Bills

The less time you spend managing your money, the easier it is to stick to your plan. Set up automatic transfers to your savings account each month, and automate your bill payments to avoid late fees and missed payments. This way, you’re prioritizing savings before you even have a chance to spend, making it easier to reach your goals.

6. Review and Adjust Regularly

Your financial situation will change over time, so it’s important to review your budget, goals, and progress regularly. Set aside time each month to go over your finances, adjust your budget if necessary, and make sure you’re on track with your goals.

This monthly check-in will keep you accountable and help you catch any issues before they become bigger problems. It’s a simple habit that can make a huge difference in your long-term success.

7. Consider Working With a Financial Coach

Sometimes, having an expert in your corner makes all the difference. A financial coach can provide personalized advice, help you navigate complex situations, and keep you accountable as you work toward your goals. With a coach’s guidance, you’ll be better equipped to make smart financial decisions, overcome challenges, and stay motivated on your journey.

Start Today for a Better Tomorrow!

It’s time to take control of your financial future. Getting your money sorted may seem like a big task, but remember, you don’t have to do it all at once. Start with small steps, focus on progress rather than perfection, and don’t be afraid to ask for help when you need it.

By taking action today, you’re investing in a future where money is a source of confidence, not stress. A future where you can enjoy life without worrying about every dollar. So, what are you waiting for? It’s time to get your money sorted and take that first step toward financial freedom.

Are you ready to take control of your money? Mastering Budgeting and Saving Techniques is a program designed to empower you to understand the importance of both budgeting and saving.

We will explore and work through mindset shifts to empower and equip you with the tools necessary for a stress free life. This is a hands-on program with me guiding you on how to budget, track and look at managing your money like a pro.

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The Financial Squeeze: Why 93% of Your Income is Gone Before You Know It and How to Take Back Control

Nov 19, 2024 | Building Financial Muscle, Credit Score, Debt, Debt Payment, Debt Repayment, Educational Series, Financial Health, Financial Management 101, Home Loan, Mindset, Mortgage, Retirement, Saving Money, Self Development | 0 comments

In today’s economic landscape, many families, particularly in cities like Perth, are finding it harder to get ahead. With the cost of living rising, mortgage repayments climbing, and essential expenses consuming most of the household income, it’s no surprise that families feel financially stuck. In fact, for the average family earning around $100,000 a year in Perth, up to 93% of their income is being spent on basic living expenses and mortgage repayments. That leaves a mere 7% for everything else, whether it’s saving for an emergency, investing for the future, or even enjoying life.

So, what’s driving this financial squeeze? And more importantly, how can you start taking back control of your money, reduce financial stress, and build a path toward a more secure future? Let’s dive in.

THE BREAKDOWN — Where Does The Money Go?

If you feel like your income disappears before you even have the chance to save or plan, you’re not imagining things. For the average Perth family, a substantial portion of their income is consumed by just a few major categories.

1. MORTGAGE PAYMENTS (39.7%)

With the average house price in Perth sitting at around $690,000, a family making regular mortgage repayments is typically spending about 40% of their income just to keep a roof over their head. That’s a huge chunk of money tied up in home ownership, leaving little flexibility for other financial priorities.

2. LIVING EXPENSES (52.8%)

Next comes everyday living expenses: utilities, groceries, transportation, insurance, and other necessities. For the average family, these costs take up more than half of their monthly income. With rising prices in everything from food to fuel, these essential expenses are only getting harder to manage.

3. WHAT’S LEFT? (7.5%)

After paying for housing and general living expenses, families are left with just 7.5% of their income to cover everything else. This includes savings, emergencies, vacations, entertainment, education, and more. It’s no wonder that many people feel overwhelmed by the prospect of building an emergency fund, paying off debt, or even saving for the future.

For the average family, the costs of living expenses take up more than half of their monthly income.

Inflation directly drives up the prices of essential goods and services, from food to housing to what it costs to fill your tank so you can drive to work or put clothes on your back.

THE IMPACT — Stress, Debt, and Delayed Life Goals

This financial squeeze has significant consequences for families. When most of your income is tied up in living expenses, it’s incredibly difficult to make progress on long-term financial goals, like saving for retirement, paying off debt, or even taking that well-deserved vacation.

1. INCREASED FINANCIAL STRESS

With such a small buffer between income and expenses, any unexpected cost—a car repair, medical bill, or household emergency—can throw your entire budget off course. The constant worry about money takes a toll on mental health, relationships, and overall well-being.

2. MOUNTING DEBT

When you don’t have enough income left over for emergencies, you’re more likely to rely on credit cards or loans to cover the gaps. This can lead to a vicious cycle of debt, where interest payments eat into what little income is left, making it harder to get ahead.

Financial Stress - The constant worry about money takes a toll on mental health, relationships, and overall well-being.

3. DELAYED LIFE GOALS

Many families are forced to delay or forgo important life goals, such as buying a home, starting a family, or even saving for their children’s education. The focus is on surviving month-to-month, leaving little room for long-term planning.

HOW TO TAKE BACK CONTROL OF YOUR FINANCES

So, how can families break free from this cycle? While it may seem overwhelming, the good news is that there are concrete steps you can take to regain control of your financial situation. By being proactive and strategic, you can start to reduce financial stress, create breathing room in your budget, and move toward financial security.

1. CREATE A DETAILED BUDGET AND TRACK EVERY DOLLAR

The first step to taking control of your finances is understanding exactly where your money is going. Start by creating a detailed budget that accounts for all your expenses—both fixed (like your mortgage and utilities) and variable (like groceries and entertainment). Track every dollar to see where you might be overspending or where small changes can make a big impact.

Use budgeting apps or even a simple spreadsheet to keep track of income and expenses. Once you have a clear picture of your finances, you can start making informed decisions about where to cut back or redirect funds.

Create a Detailed Budget and Track Every Dollar

2. CUT BACK ON NON-ESSENTIALS

In today’s consumer-driven world, it’s easy to get caught up in unnecessary spending. Start by evaluating your discretionary expenses—things like dining out, streaming subscriptions, and impulse purchases. While it’s important to enjoy life, small sacrifices in these areas can free up extra cash for savings or debt repayment.

Even cutting back on small expenses, like making coffee at home instead of buying it, can add up over time and create more room in your budget for the essentials.

3. REFINANCE OR RENEGOTIATE YOUR MORTGAGE

If a significant portion of your income is going toward mortgage repayments, refinancing your home loan could be a game-changer. Interest rates fluctuate, and even a small reduction in your mortgage rate can lead to significant savings over the life of the loan. Talk to your lender about refinancing options or shop around for better rates.

4. BUILD AN EMERGENCY FUND

While saving may seem impossible when so much of your income is tied up in expenses, building an emergency fund is crucial to financial security. Start small aim to save at least three to six months’ worth of living expenses. This will help you avoid relying on credit cards or loans when unexpected costs arise.

Even putting aside a small amount each month can add up over time and provide a much-needed safety net in case of emergencies.

5. INCREASE YOUR INCOME

If your current income isn’t enough to cover your expenses, it might be time to look for ways to increase it. This could mean asking for a raise at your current job, taking on a side hustle, or even exploring part-time work in a field that aligns with your skills. There are many opportunities today to monetise your talents online, whether through freelance work, selling products, or offering services.

6. PRIORITISE DEBT REPAYMENT

High-interest debt can be a major drain on your income. Focus on paying off debts with the highest interest rates first, this will save you money in the long run and free up more of your income for savings or other goals. Consider using the debt avalanche or debt snowball method to stay motivated and track your progress.

READY TO TAKE CONTROL OF YOUR FINANCES?

If you’re feeling the financial pressure, now is the time to take action. Don’t let another month go by where you feel stuck, stressed, and overwhelmed by your finances. I’m here to help you create a clear, actionable plan to take control of your money and start building a better financial future.

Join my Monthly Coaching Program, where I work one-on-one with clients to help them develop personalised budgeting strategies, eliminate debt, and build sustainable savings plans. Plus, check out my course Mastering Budgeting and Saving Techniques where I’ll teach you how to create a realistic budget that works for your family, find savings opportunities, and finally achieve financial peace of mind.
You don’t have to go through this alone together, we can turn your financial situation around. Click here to sign up for the coaching program or learn more about the course, and let’s get started on your path to financial freedom today!

By following these steps, you can start making meaningful changes in your financial life and work towards a future where you have more control, less stress, and more opportunities to get ahead. Let’s take this journey together!

Mastering Budgeting and Saving Techniques is a program designed to empower you to understand the importance of both budgeting and saving.

In this program, you will learn the fundamental concepts of how budgeting and saving is important for your financial well being.

We will explore and work through mindset shifts to empower and equip you with the tools necessary for a stress free life.

This is a hands-on program with me guiding you on how to budget, track and look at managing your money like a pro.