Dear Reader , As the year draws to a close, it’s the perfect time to take a step back and reflect. High interest rates, rising costs of living, and other financial stresses might have kept you up at night. But let me remind you: you’ve made progress. When I was out on my morning walk recently, feeling stressed about money, I took a deep breath and thought about how far we’ve come over the past few years. It struck me that it’s easy to get so caught up in the struggles that we forget to celebrate the victories—big and small. Small wins matter. Each one brings you closer to your ultimate financial goals. Talking about money with your partner, sticking to a grocery budget, or resisting impulse buys are all achievements worth celebrating. These seemingly small steps build a positive relationship with money and keep you motivated. This blog post dives into the importance of celebrating small wins and how they can transform your money mindset. If budgeting feels overwhelming, don’t worry. I’ve shared simple tips and tools in this post that can help you take charge of your money without the stress. Whether you’re creating a budget for the first time or saving for something BIG, you’re making progress every step of the way. 💡 Discover how to start celebrating your progress today! Remember, progress—even if it feels slow—is still progress. Take a moment to reflect, acknowledge your wins, and celebrate them. You’ve got this! Warm wishes, P.S. If you’re looking for personalised support to hit your money goals faster, book a free Q&A call with me. Let’s chat about how I can help! |
Hi, my name is Karen and I am a Finance Coach and blogger. I specialise in helping couples talk about money - without arguing. Subscribe to my weekly newsletter for practical tips on how you can make your money go further so that you can live your best life!
Dear Reader , Do you ever find yourself confused about the difference between a sinking fund and an emergency fund? You’re not alone! While both are vital tools for financial stability, they serve distinct purposes. In my latest blog, I break down exactly what each fund is, how they work, and why you need them both to build a solid financial foundation. Whether it’s saving for planned expenses like holidays or preparing for life’s unexpected surprises, these funds can transform how you manage...
Hi Reader , As the year winds down and we prepare to welcome 2025, there’s no better time to reflect on your finances and set meaningful goals for the year ahead. The goals you set now can guide you to financial security and freedom for years to come. If you’ve ever felt stuck or unsure about how to make real progress with your money, this is your chance to turn things around. Goal setting can empower you to create a clear plan, stay focused, and track your progress. In my blog, Setting...
Dear Reader , Picture this: I’ve just booked a relaxing spa day, and my husband’s Amazon parcels are arriving at the door. No stress. No awkward questions. We know exactly where the money is coming from. The secret? Our “No Questions Asked” fund! Here’s how it works: Decide on a monthly budget for individual treats or purchases. Set up separate accounts for each of you, and fund them monthly from your Intentional Spending Plan. Use it guilt-free—spa days, hobbies, or even those spontaneous...