Smart Financial Habits

It's with mixed emotions that I announce the closing of my business, Smart Financial Habits.

First of all, thank you to all of my clients for putting your trust in me, for taking the time to better your cash flow every week, and for pushing through on those deficit weeks (it's an emotional roller coaster), I sincerely appreciate you!!🙏

I set out to help individuals and families improve their cash flow so that they could do and buy whatever they wanted...easier said than done no doubt. But I can honestly say that I felt like I did that. Maybe they weren't in the green every week but when they kept their spending habits top of mind and consciously understood what their money was doing week to week, they were able to stay on top of their finances and even saw a shift in their spending. When they missed a week or two, well it showed.📉

Moral of the story is, it's so easy to spend money these days with tap and online purchasing so please please please, take a look at your purchases once in a while and you'll do yourself a huge favour (I still use my cash flow spreadsheet)!!💸

For my business, I learned a lot about how an online business functions, the time it takes to build a website, how to acquire clients, and how to generate a following on social media. I'll throw that into the experience column and run with it to my next venture, because there will definitely be another one! 😀

Thank you to everyone who supported me and my business!!🙌

Let the festivities begin and your cash flow be bright! 🎄

The holidays can put a strain on your cash flow but here are some tips to manage your spending:

° Start early! This will make paying off your credit card more manageable 🙏

° Find sales! Black Friday is right around the corner and you can find great savings on gifts that your family and friends actually want 🛒

° Avoid last minute shopping! We've all been there, so make this year different. You spend more and buy unnecessary gifts for no reason 🎁

° Set a limit! Our family has chosen to do Secret Santa with a spending limit of $100 - try Elfster.com to randomize who you buy for 🎅

There are so many places to visit, where's your next adventure going to lead you? 🌍

Planning for that next vacation can be exciting and daunting all at the same time...especially when you're not sure if you can afford it. 🤑

Start planning at least 6 months in advance so that you have time to save AND have something to look forward to! 🌞

Coming up with that sort of cash can feel like climbing Mount Everest, but it shouldn't have to. 🏔️

Take a look at the income you're bringing in every week and start tracking your expenses, you'll feel a shift in your spending habits. 👀

Set up a small (or large) and reoccuring savings contribution every week and you'll notice the cash start to accumulate. 💰

Times flies...and before you know, it, you'll be teamed up with a realtor and mortgage broker looking for your new place. 🏡

If it is, there's no better time to pay it off! 🏦

Debt can accumulate in the summer months because of overspending and ignoring your financial plan...I know, it's not easy 🙄

BUT NO PROBLEM!

Let me help you create smart financial habits to pay off that debt and get your cash flow back in the green 🌲

It's not every week that you're going to have a surplus, and that's fine! ❇️

Spending can be like a roller coaster so try not to worry if you've had a negative week. Unexpected expenses can and will occur, no need to stress. 🎢

Try to see what happened in the past week and adjust for the week ahead. Have a large purchase you need to make in the future? Be frugal this week so you can afford what you want next week! 👗👒

Try a no-spend day to keep your weekly expenses in check 🚫

Employ this strategy once a week to lower your overall spending and you'll see your weekly spending averages decline ⬇️
Less expenses = higher surplus = summer fun 🏄‍♀️🏖️

Tis the season to relax, kick back, and find a spot on the patio for some refreshing beverages 🥂🍷🍹

Discover your local happy hour and save on those full price drinks. Better yet, grab a bottle or pint from your local liquor store or winery and bring it to your favourite lookout/beach... you'll save $100s throughout the summer 😎

Keep your money in your pocket (or purse)! 👜

For the rest of 2021, all new plans will receive a HUGE completion bonus. 💥

There's never a better time to get your cash flow in shape, and plus, summer is right around the corner 💪

I hope everyone is enjoying the May long weekend!🎈

Take some time to rest, relax, and recharge and check in to see how well your cash flow is going this month. 💆‍♀️

I set up a weekly, reoccuring e-transfer that withdraws money from my chequing account and into my investment account 💹

By knowing what your surplus is, you can be certain that you can afford to pay yourself that same amount, every single week 💱

I bet there's something that you have in mind that you really want to buy...so start saving! 💰

Stop spending money on the things that give you short-term satisfaction and start saving for the things that will continue to give you fulfillment throughout your lifetime.

You can accomplish your purchase goals, let me help! 🤝

*Don't forget, for the whole month of March, the more you save, the larger the discount on any plan!!🍀