5 ways to shrink your online spending habits


Budgeting your spending money is the first step to reducing spending. Create a budget, pick an amount for spending and then spend that amount guilt free, but don’t go over it.

2. Buy gift cards.

We often have out clients purchase Amazon, Starbucks or Target gift cards that create a sort of “allowance” for spending at these stores. In this way, you protect your bank information but you also have a hard limit to what you can spend while still having the freedom to spend.

Both of these habits will get you started. Both will help you naturally start being more selective about how often and what you buy. Then we can build on those habits.

3. Delete apps / remove payment options

When we want to break a habit, we want to make that habit hard to do. So, if I wanted to break the chocolate eating habit, I would first of all not keep any of it in my house. That makes it a little harder, right? In the same way, we want to delete any online shopping apps off of our phone. Get rid of email subscriptions and notifications. Maybe you can go in an delete remembered passwords or even payment methods. How can you make the habit harder to do?

4. Have better things to do

If you find a certain time of day is the biggest culprit for your spending, find something better to do during that time. A hobby? A game with the kids? A walk? If you’re doing something you love, you’ll be less tempted to buy.

5. Be more picky about what you bring into your home.

We don’t let just anything come into our homes. It has to be super functional, guaranteed not to just add to the clutter. It needs to be something we love and really need. Maybe there are rules like one thing in, one thing out. If it’s clothes, it has to go with three things we already own. If it’s decor, we’ve already cleared the space.

Bonus: 24 hour rule / $100 partner agreement rule


Cash for College Webinar

You’re debt free. Let’s keep it that way.

Join us to learn how to earn your degree without being saddled with a huge monthly payment as a graduation gift. You see, America’s total student loan debt is now over $1.6 trillion. It takes about 30 years on average to get out of college loan debt.

Do you want a payment for the next 30 years? 

We don’t think you do. And we don’t want that for you. You don’t have to go into debt to earn your degree!

Join us for a step-by-step seminar on HOW to pay cash for college! 

Just click the link here to sign up and we will send the details to you!


5 reasons why you need a budget right now

A budget reduces your stress.

A budget reduces uncertainty. Uncertainty is what is making you stressed right now. Not knowing is being stuck. Getting everything out on the table is hard work, sure, but it will guarantee you stress less about money.

A budget gives you freedom to spend.

Most people think a budget means you can’t spend money. On the contrary! We encourage all of our clients to create a spending money or fun money category. That’s money they plan to spend without guilt or stress! From there, we also encourage them to budget the fun things in life like date nights, birthdays and vacation. The difference with a budget is you plan for these things, so you know you’ll actually have the money. You plan for the fun, set the money aside, and then bringing home only the memories. That’s instead of planning the fun, not having any money for it, going into debt to fund it and then carrying around that burden.

A budget clarifies your priorities.

Do you know what your priorities are in life? Do you know where most of your money goes right now? You might think you know these things, but most people haven’t truly thought them through and then put them down on paper. On purpose. That’s what a budget will do. For example, many times folks are spending hundreds of dollars eating out and not saving money for college for their kiddos. Or some folks are spending more on Amazon a month than they have in a savings account. When they think it through, this is probably not what they want, right? As your coaches, we will guide you through a discussion about your priorities and your future. Then we will help you create a budget to match them.

A budget makes your future possible.

We all have a vision for our future. We like to ask you what your future would look like if money wasn’t an issue. That’s certainly a possibility if you start telling your money where to go instead of wondering where it went! But, your future isn’t going to happen on accident. It takes planning, good habits and work to get there.

A budget gives you a goal.

We work with folks in every kind of situation: couples, families and single folks. Regardless of your situation, we’ll help you set mini goals and then celebrate as you succeed! Savings account. Check! Credit card paid off. Check! Paid for vacation in cash. Check! These wins are so good for you & your mental health! You’ll prove to yourself you can do hard things and that builds confidence. As you move along the path to financial freedom, the goals get bigger and you get better.

If you are ready to get on a budget, let us help you! Schedule your free, 15-minute, no-obligation consult today!


Find a focus for your anxiety

Many of you know, for the most part, the remainder of your term for lockdown. Perhaps your local government has said May 1, perhaps June 1. Whatever the date that you know, count the number of days there are until that date. So, X = Number of days until lockdown is over. Now, we have a question for you.

What can you do in X amount of days?

Ah, that’s a good question. You see, most of us are experiencing some anxiety right now. Other emotions we have may be fear, frustration, anger, disappointment. Lots of (understandable) negative emotions. Part of the reason for these emotions, among other things, is our human desire for certainty and for control. In most of our situations, we are no longer in control and we lack certainty about a lot of things. So what can we do?

We can choose to funnel that energy into something good. We can choose to pick a small goal and get after it over the next X number of days. We recommend you make your own homemade countdown calendar with X number of boxes that you can cross off. Then, pick a goal and allow your brain to focus some of it’s desire for control and certainty on THAT. Here are some ideas:

  • Read that book you’ve been meaning to.
  • Organize your closet (or one area / item per X day left).
  • Lose 5 pounds.
  • Walk 30 miles.
  • Write 10 handwritten notes to loved ones.
  • Learn to knit.
  • Try 10 new recipes.
  • Start journaling.
  • Stop drinking sodas.
  • Learn a dance with your child.
  • Work up to running 1 mile.
  • Pick a Bible study.

Pick a goal that is reasonable for YOU. Pick a goal that you’ll be excited to get after each day. Pick something that you’ve been wanting to do, that you’ll be proud to say you accomplished during this time at home.

As always, if you need a little help finding this focus or working through your thoughts so that you can feel better. We help clients set goals and work through it. Want to set up a free, no-obligation 15 minute consultation?


The Journey Begins

Thanks for joining me!

Good company in a journey makes the way seem shorter. — Izaak Walton