Archives For The whys

Wins and losses

July 21, 2017 — 43 Comments

What wins and losses have you experienced in the last year? Wins are the goals, big and small, that you have accomplished like the anniversary vacation, or being able to ease back on working hours, or a topped off savings account. Losses are what we want to avoid, but expect life to dish up like home repairs, or car expenses, or other money decisions you just did not see coming. In the year to come, you can expect to experience both wins and losses.

Have you aimed at what you want?

Have you scanned the horizon for “threats” to getting what you want?

Do you have a plan for how to accomplish what you need?

Are you clear about what you NEED and how that may be different from what you need?

Recently, I found water getting into the wall of a bathroom. This is one of those surprises that can upset our money goals. The win is having savings that can go immediately to repairing this problem. The win is being comfortable with budgeting so when the repair number is agreed on, we are both clear on the expectations. The win is knowing that most projects overrun the initial budget and the savings can cover an additional 10% – 20% before more drastic steps need to be taken.

Because I spend a little time each month and each week looking at my income and comparing that to my expenses, I will be able to cover these repairs and still have some money left for my adventure fund for this coming October.

I want my home to stay in good repair. I want to spend time with my friends in October. I know that threats to being able to win in this situation include losing my focus, not using cash to stay connected with how much I am spending, communicating in a way that is unclear to my contractor.

I have a plan. I will be updating you on this journey as it unfolds. This will be another part of my story as it relates to personal finance. What twists are happening in YOUR story of finding peace in your personal finances?

Celebrating success. Coffee and chocolate and caramel? Oh My!

Celebrating success. Coffee and chocolate and caramel? Oh My!

Working hard and then celebrating YOUR success

Celebrating success is a vital and delicious part of your changing your daily thoughts and behaviors in the context of your personal money management. Celebrating success can be accomplishing huge goals, then following through with huge rewards to yourself and loved ones – like a trip to a beautiful island getaway as a family or getting that “toy” you have wanted for so long. Celebrating success is more often a smaller gesture – calling a loved one to share how you avoided a frivolous impulse purchase or successfully negotiating a conflict point. Continue Reading…

Early Voting

February 17, 2016 — 1,014 Comments

Early Voting is now underway here in North Texas. As we work to get our careers and personal finance going in better and better directions, taking part in the elections and primaries as a part of early voting is an excellent habit.

Why vote?

Early voting implies Continue Reading…


July 3, 2014 — 4,851 Comments

USflagThe colors of the US flag never fail to inspire. Were you aware that the colors stand for character qualities? Every time you see the colors fly consider: Continue Reading…

Breaking Bad

June 26, 2014 — 4,780 Comments

Have you ever wondered what a life spent chasing money looks like? Watch “Breaking Bad” and you will quickly get an idea of the damage you do to yourself and to others if you choose money above other more valuable items such as reputation, relationships and impact on others.

Continue Reading…


February 27, 2014 — 4,898 Comments

We live in an amazing country based on the ideal that the government is of the people, by the people and for the people. If you don’t vote, you have cut off that process. To vote is a privilege to be exercised whether for local, state or federal elections. We vote every day with our dollars, attention and time. Why would we not cast a ballot and vote for those who will lead during the next term? Continue Reading…

Manage Well

February 18, 2014 — 4,559 Comments

You have the same amount of hours in a day as Nelson Mandela, Abraham Lincoln and Eleanor Roosevelt. It’s all in how you manage your resources (money or career or skills or time or fill-in-the-blank) that shows the difference between reacting and being proactive. If we plan how to best use our resources,  Continue Reading…

Engage For Results

January 21, 2014 — 4,246 Comments

Coaching is an interactive process. You must engage for results. If you only want information, please join our mailing list to the right of this post and subscribe to When you are ready for the next level, request an appointment and engage with Coach Julia to get results.

What does Seth Godin have to say about coaching? Listen in and find out

Plan and Execute

July 9, 2013 — 1,222 Comments

It’s one thing to do an audit and see where you have been. It’s a better thing to plan and execute your forward-thinking goals. Evernote ( can be one way for you to plan and execute so that today’s actions create tomorrow’s SMART goals.

Want a quick introduction to Evernote? Watch this:

A friend of mine referenced this video and I wanted to share it with you. It tells the story of a couple overcoming obstacles in their financial and career worlds.

Things may seem bleak in your world right now. Keep Kicking. Keep Moving. Keep Trying.

Never Give Up.

A brighter day is coming to you!