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Is your relationship with money a love story?

  • Would you like to feel more confident when paying your bills?
  • Do you want each paycheck to last longer?
  • Have you heard that you only need fifth grade math to make a budget?
  • Did you know that being good with money brings better health?
  • Do you want to be friends with your credit card again?
  • Would you like to have money tucked away for emergencies?
  • Can I tell you a secret? Your paycheck doesn’t measure your importance.

What if one conversation could change how you handle money and help you fall in love with your finances?

Would you like regular stories to build your mojo and woo money into your pocket?

Who’s Bob?

My dad’s beer mug reads “Bob.” which he made with yellow electrical tape. My mom still has the mug. We had so many luau parties it’s hard to know when this picture was taken. I’m guessing it’s the late 1980s.

Bob is my Dad.   He taught me how to wash a car, change a tire, pound nails, and make homemade wine.  Yet one of the best things he taught were his no-nonsense lessons about money management.  I never knew he was teaching me stuff.  He probably didn’t even do it intentionally.  It was just his practical way of doing what he did while he brought me along with him.

He was born in 1929, the year the Great Depression started.  Just before the Great Recession hit in 2008, he had a million dollars in just his IRA fund.  My parents lived like Warren Buffet, in an older house in a quiet suburb.  Even though they worked as school teachers and saved part of their salaries for retirement, they still took us on many great vacations.

Dad saved his money, invested it wisely, shopped when things were on sale, and rarely bought things on credit.  He showed me that if you took care of your money, you could still live comfortably, travel, and enjoy a few big toys.   Using your money wisely does not mean you go without the good stuff.  It means you can live without anxiety when you pay bills or something needs to be repaired.

Would you like to learn what my dad taught me?

How Can I Help?

 

Bob, Mary, Marla, and Lesley at home. Christmas 1966.

I’m a sucker for sparkly things who had an IOU stuck to the fridge during my childhood for all the money I borrowed from my parents. I didn’t grow out of that trait, but I sure did learn from it.

I’ve been in business for the past twenty years despite my uncomfortable relationship with money. I’ve wrestled with the anxiety and weird fears attached to each transaction. I’ve noticed that money issues are rarely about the dollar amount, and are more about cash flow, timing, and those weird fears. 

Me and my Mom. I must have chosen my own outfit that day.

Let me help you build an honest relationship with your income and expenses just like I did with mine.  With a little bit of planning, you can live comfortably on what you make.  Then, you can also have a few affordable luxuries. 

You can create a life where you’re not worrying about money.  And when you’re free of that anxiety, you have a chance to truly enjoy everything so much more.  Are you ready to join me?

Finance Coaching services will be available in 2020.

What is This?

I’ll just be honest with you right up front.  You won’t get rich from reading this blog or coaching with me.  Well, you can, but it will come from many small changes in your habits and mindset that will add up over time.   I’ll keep these tips as simple and as easy to apply as I can. No one has the time to fuss over numbers and you won’t need to know any more math than what you learned in fifth grade.

I’m the kid in the yellow coat. I’m also surprisingly clean in this photo. I probably rolled in the snow right before my mom took the picture.

With a little thought up front, you can build a comfortable relationship with your income and expenses.  Then you’ll have more time and more money to enjoy a future where you’re not worrying about paying for things. That’s what these blog posts are about.

If you want help one-on-one, I’ll have finance coaching services available in 2020.

What Do I Know?

The 40th wedding anniversary of my parents, Bob and Mary. I’m the daughter on the right. January 2001

I was comfortable and making decent money when I was in my mid-thirties.  Then, I let fear take me down. I’d already survived a big career change and started my own business which was doing well.  All the bills were getting paid, but I worried that I didn’t have enough money to send my kids to college. 

I’d started a fund for each of them when they were babies based on my dad’s good advice.  After my divorce, I was limited in what I could put in there.  That worry drove me to expand my business where I had seven employees, was taking phone calls on weekends, and could afford to pay everyone else except myself.  On top of that, I let my fear of affording the repairs on my 80-year-old house propel me into buying a newer house.

I was locked into 5-year contracts for rent and phone service at my office, but I couldn’t just close my business because I felt obligated to serve both my clients and employees.  Instead, I found a way to sell it to one of my employees, and went back to just working for myself.  At the same time, the costs to run my new house and taxes rose to such a level that I had to sell it, too.  My expansion failed because it was based on fear.

Ironically, the next year, that college fund shrunk dramatically when the Great Recession hit, one year before my oldest son was going to college.  It was all a great reminder that I had forgotten to live with what was enough.  I felt like a complete failure.  I was lucky though, my mom and dad lived nearby and kept coming to soccer games and orchestra concerts.  That kind of quiet support isn’t there for everyone.

Looks like my sister had a secret to tell my dad. Either 1968 or 1969.

But, I didn’t decrease my dreams. I used the quiet time to slow down, pay attention to subtle signals, and notice opportunities. I learned to recognize when I was forcing to make things work and got in my own way. That was my sign to step back and reassess. I put back in place all the financial tools and techniques that my dad taught me.  I’ll be honest, it took me awhile and there were days when I came home from work, fed my kids canned soup and rice for dinner, and went to bed by 7 o’clock.  On the weekends, I never got out of my bathrobe. 

But, I kept plugging away and slowly built up my client list again.  This time I had faith that I could bounce back from anything.  Falling into the awful place taught me that I was the kind of person who would always get back up again.  I find it funny that my impatience and intolerance of boredom actually are the traits that saved me.  I gained strength and found a new sense of gratitude deeper than anything I’d ever experienced.  My dad was still there and his no-nonsense ways to handle money were still there.  Except this time, I paid closer attention.

My dad, Bob Frank. Sometime in the 1930s.

My dad was born several months before the Great Depression hit. He grew up with the mindset of living on less and examining the value of everything you had or wanted. He never had a chance to learn any other way.  The first ten years of his life were his training ground and saving money became a reflex.  Without knowing it, he passed on what he’d learned to my sister and I.

With renewed vigor, I searched for college grants that  didn’t need to be paid back instead of loans for my son. Over the next several years, I sent all three of my kids to a good private college.  I got creative and learned new ways to save on incidental costs. I found it was actually cheaper for my daughter to do one semester at a college in Scotland than to stay in the US.  She loved it.  When they all graduated, I actually had money left over to help them pay down their student loans which we kept at a reasonable level.

I was lucky to have my dad and his wisdom.  I’d like to pass that on to you so you can afford your dreams, live a comfortable life, and enjoy some leisure in your retirement.