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!
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Hello Reader, I hope that your week is going well! Have you ever set a financial goal, only to find that you forget about it in a few weeks? Or perhaps you’ve never thought about setting financial goals and don’t know where to start? For many years, I didn't set any money goals, but now, I know it's one of the smartest things that I can do for my personal finances! I know that goal-setting can feel overwhelming, but with the right approach, it becomes an empowering and motivating process that can change your personal finances. So, how do you feel about setting goals? 🌟 Do you have any financial goals in place right now? ✨ What is one goal you’re proud of having achieved, and how did it make you feel? 💪 I’d love to hear your thoughts on this – reply to this email to share your goals with me! Financial Goals: I believe that setting financial goals gives you direction and purpose, whether you're planning for something short-term, like a holiday, or longer-term, like retirement or homeownership. Here’s a quick guide to get you started: Short-term goals: These are goals you aim to achieve within a year – for example, paying off debt or saving for a holiday. Long-term goals: These are bigger-picture goals, like securing your retirement or buying a home. The key is to set SMART goals: Specific, Measurable, Achievable, Realistic, and Time-bound. For example, saving £75 each month for 5 years to build an emergency fund of £4,500 is a SMART goal that turns abstract desires into concrete plans. Take Action Today What’s one thing you’d like to accomplish in the next 12 months? It would be great if _______ (fill in the blank!). Once you’ve identified your goal, the next step is figuring out why you want to achieve it. The more personal and meaningful your reason, the more motivated you’ll be to succeed. If you'd like to read more about setting meaningful money goals, check out my blog Setting Financial Goals. Reader, would you like to set some money goals but lack motivation to get you started? I believe you have the potential to achieve any financial goal you set your mind to. Whether you’re looking to create a budget, pay off debt, or save for a future milestone, I’d love to help you on your journey. I’m offering a complimentary 30-minute Q&A call (with no obligation!) where we can chat about your current financial situation and how financial coaching might support you. Every client I’ve worked with has become more financially stable and confident. Book your FREE call now by replying to this email. Don’t wait – take this first step towards achieving financial success, your future self will thank you! Love, |
Money and Marriage
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 , 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...