Have you ever told yourself that you can’t afford a luxury item, only to purchase so many cheap, knock-off alternatives you don’t truly love, that it would have been better to have saved and purchased the luxury item? This is a common mistake I see in my financial counselling. We think that we’re doing our …
Often, when people hear the word budget, they associate it with restriction. I know because I hear this from my clients all the time! The word “budget” has a bad reputation so, I understand the inclination to shy away from it. But the reality is that budgeting doesn’t need to feel restrictive at all! In …
Humans are emotional beings, and as much as we can try to deny it, this often leads to a lot of emotionally driven decisions. Emotion comes into play particularly when referring to finances and even more so around the holiday season. Let me know if any of these scenarios sound familiar: Spending money because you’re …
With the holiday season quickly approaching, it’s possible you’re feeling the beginnings of some finance-related stress. Whether you’ve overspent in the past and are worried about it becoming a pattern, your family has grown and you seem to have a never-ending list of people to buy for, or the year has already thrown some financial …