Financial Tips & Advice for Couples

Have you ever tried to use a budget, but you failed because you and your partner were not on the same page? Budgeting as a couple can be challenging. You probably have different money tendencies like saver vs spender. You probably have different views and habits around money. Even though it can be difficult, managing your finances as a team is essential to reach your goals faster. You both need to be involved with the finances. One person handling the budget alone? That is a

It is so common to feel embarrassment and shame over financial struggles. Money has become a trivial topic that everyone avoids, even in our own homes. No one wants to talk about the pile of debt they're facing or how stressed they are about having more month left when the money is gone. On top of all that, there is the pressure to appear successful, to "keep up with the Jones'". Many people struggle with finances, regardless of background or income. I can't tell you how many

The holiday season should be a time of joy and connection. Yet, financial stress often creeps in, turning family gatherings into sources of anxiety. Setting and communicating your financial boundaries with extended family is crucial. By doing this, you safeguard your financial wellbeing and nurture healthy family relationships. This article offers practical strategies for discussing these boundaries effectively, paving the way for a more enjoyable holiday experience. Understa

One of the most common I get about budgeting is how to budget with an irregular income. Maybe you own a business, so your income goes up and down. Maybe your hours are constantly changing so your paycheck is never the same. If you're like my family, you get both! My husband is a crane operator. He is on an hourly wage and also gets a lot of overtime pay. If you are familiar with this type of work, his schedule is never the same. We never know until the prior evening when he

When you are struggling, it is easy to get overwhelmed with your finances. Taking control and getting ahead with your money can be a difficult process. You may not know where to start. You may struggle with the fear of not being able to do it. There are so many emotions surrounding money, and those emotions can paralyze you. To get started, you need to stop the overwhelm. Simplify the process and focus on one step at a time. As a financial coach, I guide people through their

During the first months of working with a new couple, I often hear the same thing regarding the budget. "I never realized the budget could be so flexible!" Do you ever think of your budget like a corporate company? At the beginning of the month, you create the budget and it is set in stone. You better stick to the budget or else! If this is you, let's talk about why you need to change your mindset surrounding your personal budget. Your family is not a corporate company. Your

You feel like you make a good income, so why are you still living paycheck to paycheck? Where does all that money go?? Does this sound familiar? I does to me! My husband, Zach, and I used to have this conversation regularly. I say conversation, but it was more like an argument every time. We couldn't figure out why our fantastic income just didn't seem to be enough to live on. I was a stay at home mom at the time, and Zach brought in our sole income. I managed the bills and h

"You must gain control of your money or the lack of it will forever control you ." - Dave Ramsey Did you know that you have the power to control your life? Ok, maybe not everything that happens in your life... But when you have control of your money, you feel so much more in control of the rest of your life too. Murphy seems to visit a bit less often. Those emergencies become merely an inconvenience when you know you have the cash to cover it. You feel confident and secure kn