Mindful Money Mama

What's one financial goal you're working on this year? I've got a 16 year old kiddo, and we've agreed to match what he has saved for buying his first car! So, for us, that is one of our financial goals for this year. No goal is too big or too small, when you write it down, you are 42% more likely to achieve that goal! So, share those goals into existence!

?? Want to know a simple way to budget for success? ?? The 50/30/20 rule helps you divide your income in a way that makes balancing life and finances easier: ? 50% Needs – Cover essential expenses like housing, groceries, and utilities. ? 30% Wants – Treat yourself with fun things like dining out, vacations, entertainment, or hobbies. ? 20% Savings – Build up your emergency fund, contribute to retirement, or save for future goals. It's an easy way to ensure you're not only living in the moment but also setting yourself up for a strong financial future. ???? Ready to start budgeting with clarity? Let's do it!

?? Ready to take control of your financial future? ?? If you've been feeling overwhelmed by your finances or unsure where to start, let's change that—together! ?? Personalized coaching can help you: ? Overcome financial challenges ? Create a clear, actionable plan ? Reach your goals with confidence It's time to stop letting money stress you out. Let's make your financial future something you're excited about! ?? Book your intro call today!

??? How I Prepare for Financial Coaching Sessions ??? Step 1: Grab coffee (Because, let's be real, the best ideas come after that first sip of caffeine ?) Step 2: Review client financial goals (Pull up those action plans and make sure we're on track to hit those numbers ??) Step 3: Analyze spending patterns in Monarch Money (I'm talking about tracking those subscriptions, sneaky lattes, and unexpected expenses ??) Step 4: Check in on savings & debt progress (How much did we put away this month? Are we paying down that debt, or did it multiply again? ??) Step 5: Prepare solutions (From budgeting hacks to automation tips—ready to make money management easy and effective ??) Step 6: Mentally prepare for at least one "I'm so bad with money" comment (Spoiler alert: You're not! We've got a plan to flip that mindset ??) Financial coaching isn't about judgment—it's about strategy, clarity, and celebrating progress (no matter how small). Ready to take control of your finances? Let's make it happen!

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?? Where is your money really going? ?? If you've ever felt like your paycheck disappears too fast, tracking your expenses is the game-changer you need! For one month, write down every expense—yes, even that quick coffee run. ? Once you see where your money is going, you can: ? Identify areas to cut back ?? ? Prioritize essentials like housing, groceries, and childcare ???? ? Reduce spending on non-essentials (without feeling deprived!) ?? Small changes = big financial wins! Ready to take control of your budget? Start today! ?? Learn more at MindfulMoneyMama.com (Link in bio)

I will tell you mine has been always investing in my 401K!! Seriously, since the age of 20 with my first "real" job, I started investing in it. I honestly can't say what percentage it was anymore as I don't have that account (I rolled it over years ago) but I can say it felt like a major slug for at least the first 10-15 years. Once you hit your first $100K in your investment accounts though, it will start to snowball and really make some progress and you'll sit back and wonder how you got there! Well, even at my measly salary of roughly $30K-40K a year for most of my 20's and even much of my 30's (because even when I started to make more money, I cut back my hours a bit once I became a mom), I still made slow and steady progress that has paid of handsomely over time. Add in a little employer match along the way, and then finally an increasing salary once I went back full time and started advancing my career even further in my late 30's and 40's, it has truly been the most impactful small habit of my financial journey. It's not the single most significant part of my net worth journey (real estate investing has been), but this has been the smallest, simplest and easiest habit that has made a big financial impact! Are you investing in your 401K? Do you have a company match?

? Feel confident and in control of your money—one mindful step at a time! The Mindful Money Mama Financial Wellness Calendar is your FREE month-by-month guide to building strong financial habits with ease. No stress, no overwhelm—just simple, actionable steps to help you: ? Get clear on your financial goals and create a plan to reach them ? Organize your budget and track your spending effortlessly ? Stay on top of debt, savings, and important financial deadlines ? Plan ahead for big expenses like vacations, holidays, and insurance renewals ? Check in with your progress and make adjustments along the way Whether you're working toward financial stability, paying off debt, or just want to feel more in control, this calendar is the perfect companion for your journey. ?? And the best part? It's FREE! Start making empowered money moves today—grab your copy now! Go to my website link in bio for details!

? No Judgement. Just Empowerment. ? Your journey to financial wellness starts right here. ?? Whether you're feeling overwhelmed by debt, unsure where your money is going, or just looking for clarity and confidence with your finances, I'm here to help—without judgement. ?? ?? What I offer: ? A safe space to share your financial story ? Practical tools and personalized strategies to take control of your money ? Empowerment to build a financial plan that aligns with your goals This isn't about perfection—it's about progress. Together, we'll transform your finances into a source of peace and empowerment. ??? ?? Ready to take the first step? Drop a ?? or DM me today!

?? What's one thing you'll NEVER cut from your budget? We all have that one thing we just won't compromise on, no matter what. For me, it's travel! ???? Exploring new places, making memories, and experiencing the world is something I always make room for in my budget. It's my non-negotiable—and it's worth every penny! Now, it's your turn! ?? ?? What's your "must-have" in your budget? Is it your daily coffee ?, date nights ??, or self-care treats ???? ?? Join the conversation in the comments—I'd love to hear what's important to you and why!