Hello Reader,

Can you believe we're already in week 3 of January?

I know. It feels like 2026 just started... and yet here we are, almost a full month in.

So let me ask you: how's it going?

If I had to guess, you're probably in one of two places right now:

Option 1: You're crushing it. You set financial goals on January 1st and you're actually following through. (If this is you - amazing! Keep going!)

Option 2: You had good intentions. You said "this is the year we get our finances together." But you haven't actually started... yet.

If you're in Option 2, you to hear this:

You're not behind. You're not failing.

"Because of the Lord's great love we are not consumed, for his compassions never fail. They are new every morning; great is your faithfulness." - Lamentations 3:22-23

Here's what this verse is saying:

Every single morning, you get a fresh start.

His compassion is NEW. Every. Single. Morning.

That means today is just as good a day to start as January 1st was.

You don't need to wait until February. You don't need to wait until "next month when things calm down." You don't need the perfect moment.

You just need to start.

And here's the thing: starting doesn't mean doing it all yourself.

If you've been thinking about your finances for three weeks but haven't actually done anything yet, maybe it's because you're trying to figure it out alone.

You don't have to do it alone.

What if you could wake up next month knowing exactly where your money is going?

What if you and your spouse could finally stop avoiding "the money conversation" because you actually have a plan?

What if you could stop feeling anxious every time you check your bank account and start feeling... peaceful?

That's what happens when you work with me to create your Intentional Spending Plan.

Here's what we'll do together:

In our 60-minute session, we'll look at where you are, talk about where you want to be, and build a plan that actually works for both of you. You'll get the exact spreadsheet my husband and I use - customized for your life. Then 30 days later, we'll meet again to make sure it's still working.

Ready to start?

Because God's mercies are new this morning. And that means you can start today.

Hit reply and tell me: What's ONE thing you want to get done with your money before February 1st?

I read every email, and I'd love to cheer you on.

Blessings,

P.S. Three weeks from now, you can either be in the exact same place... or you can have a plan and be making real progress. The choice is yours. But you don't have to do it alone.