Summer Coaching Special!

Summer is my favorite time of year: swimming, golfing, picnics, and fireworks!  Summer is also the perfect time to begin your journey to your Preferred Financial Destination, because I’m running a special deal for new coaching clients! Money is emotional, yet many people attempt to manage their personal finances logically and become frustrated when they fail. My Mindful Money Management …

Post Mortem Budget Examination (Video)

Many budgeting gurus recommend sitting down monthly, with your spouse or partner if you’re married, and formulate a budget for the upcoming month.  However, it’s important that you do something else FIRST.  And that is taking a few minutes to do a “post mortem examination” of this month’s budget.   Ask yourself: What worked well this month? What categories did …

Make It a Treat (Video)

I recently read the book, “Happy Money: The Science of Smarter Spending” by Elizabeth Dunn and Michael Norton.  The authors made the  interesting discovery that people enjoy purchases like fancy lattes, Belgian chocolate, and massages MORE when they had them LESS often.  Why is that? When something is an occasional treat, rather than part of your routine, you have more happiness and …

Friends and Money

Whether you know it or not, your friends influence you both personally and financially. Are your friends’ money habits helping or hurting you? When I was in a financial mess years ago, most of the people I hung out with were in the same boat: bouncing checks, visiting payday lenders, etc. It’s been said that I could guess your net …

Automate Your Savings, Christine Luken, Financial Lifeguard

Automate Your Savings Discipline (Video)

Automate your savings so you don’t have to discipline yourself to sacrifice some of your check each and every payday! We know that it’s important to save money, pay down debt, and invest for retirement.  However, sometimes it seems that we don’t get around to following through on our good intentions.  Why make it harder on yourself to save? Automate …

Money Is Not Evil (Video)

Ever heard the phrase, “Money is the root of all evil?” The truth is that money – just like a pen or other object – is neither good nor evil. Money is simply an extension of the person using it. Money is a tool. If you respect it and use it properly, you’ll have positive results. If you disrespect it …