Archives For money

Command or Cop-out

July 24, 2014 — 4,543 Comments

If you are in command of your financial situation, you have a written plan, with goals broken down into objectives and timelines, and you communicate your plan to your loved ones. Continue Reading…

Lunch Money

April 7, 2014 — 4,598 Comments



We have talked about helping little ones learn about money (links below). What about helping your upper elementary and junior high age child think about his/her lunch money habits? Whether the money is pre-loaded to your child’s account, or your child packs a lunch every day, or your child takes cash every day, his/her lunch money habits are a great learning opportunity and practice lab for future money management habits. Considering that groceries for your family and fuel for your vehicle are the two largest variable amounts in your household’s budget, helping your child see the cost and value of lunch money has the potential to be extremely
helpful to your child’s success with money as an adult. Continue Reading…

Home Buying Resources

November 5, 2013 — 1,266 Comments

Educate yourself on what to expect in different areas as you consider who to hire as your real estate professional. Would you like to discuss these options and more? Contact Julia and get your consult scheduled



thorThor was born to a large extended family, and into a privileged position of great responsibility. By the time we see Thor in the Avengers movie, he has been careless with these advantages in the past. Righting those wrongs has taught him to be a good manager of the relationships, resources and responsibilities entrusted to him. Thor loves his friends and family, using the gift of Mjollnir to both protect against enemies as well as build good things for the future. Thor is learning to know who his closest friends are, and developing shrewdness to understand that not everyone in close proximity to him supports his ideals of generousity and working for the greater good. Using the money entrusted to you to create legacy for your children and your children’s children is a rare delight and exquisite pleasure.

Financial Coaching for Thor might include the following: discerning how to choose his closest advisors, or counselors if you will, going forward as well as limiting the influence of those who seek to do harm; some strategic planning for the family business – the kingdom of Asgard – so that it continues in prosperity and calm; creating a system of checkpoints along the way for long-term goal setting so that Thor is free to go about his business as Prince of the realm and not worry overmuch about the day to day bills.

Everyone has a black sheep family member with which they must lovingly set limits. Focusing on what you and your immediate family want most can help create some limits, and with some more willful boundary breakers, we must set stronger limits. Everyone has friends who seem to moan over “not having enough money” rather than make a plan and work it.

What are you doing to make sure your immediate household is taken care of while planning how to best invest the excess? Your money will go further when you put it to intentional purpose.

Who would you most want to help because your money does more?

Where you focus

March 2, 2013 — 4,474 Comments

and go looking determines what you find.

If you go looking under the bus seat, you’ll find nasty gum and other debris.
If you focus on checking under the passenger seat in your car, you’ll probably find pocket change.
If you focus what skills and experience you have, then apply those to invest in others, you can find large lump sums through extra side jobs to supplement your main source of income, or through a new opportunity to earn your primary source of income.
If you go looking for what you want, you’ll find it – it’s just a matter of time.
If you focus on what scares you, or on things you don’t want….

Hard Conversations

January 20, 2013 — 4,512 Comments

ManWomanUmbrella Both budgeting (cash flow planning) and sex are hard to talk about. What if you waded into the difficult conversation and found that a simple misunderstanding, based on bad assumptions, is the only thing limiting you and your spouse from a whole lot of fun together and over-the-moon results?

Know Why

July 26, 2012 — 4,551 Comments

As you create a household budget (or cash flow plan), you are crafting a behavior plan for your money. Your internal beliefs about money will reveal themselves on the paper. Sometimes the clarity that comes from writing things down Continue Reading…


July 6, 2012 — 4,132 Comments

Recently I received an email offer from a favorite coffee shop of mine. They were offering me a coffee press for free! My  initial reaction was “YEAH!” – a gift.

But was it really a “yeah” moment? Feelings are all very nice. They are just not reliable for making good decisions. Continue Reading…

Principles seem streamlined and easy when we’re just talking about them. Putting these same principles into practice gets messy.

The goal? Get the car fixed and not miss work appointments.

The process? It seemed unending at the time. Continue Reading…