The summary version of this blog post is the following: if you have not yet reported your Beneficial Ownership Information (BOI), I highly encourage you to do so ASAP.  But in order to understand how we got here, please read on… When I published my last blog post in January 2024 (yes I took almost […]

If you’re a business owner, you have probably seen the acronym “BOI” floating around recently.  You’ve probably also seen click bait videos or reels trying to scare you about being fined $500 a day if you don’t report.  I’m here to help you filter through the scare tactics, scams, and those trying to make money […]

Every day, I hear more and more people talking about how expensive everything is these days.  Even people who never paid attention before, are paying attention now.  So what do you do when your spending is out of control, and the cost of everything seems to be skyrocketing?  Here are a few tips to help […]

Everyone says it: “Prepare for the unexpected.”  We all know that anything can happen at any moment that can change our lives forever.  We all know we should take steps to prepare for these types of things, but life gets busy – like really busy.  And we put things on the back burner for “another […]

As a financial coach, it’s important to “practice what I preach”.  In this current environment of increasing costs of literally everything, even people who never paid attention to their finances are paying attention now.  I am by no means perfect with my budget, but over the years I have developed a few money habits that […]

You usually hear the phrase, “Productivity Equals Profitability”.  But what about Proactivity?  There are just over three months remaining for this year.  How can you make the most of it?  One way is to focus on your numbers now to find ways to increase your profitability.  Don’t wait until January to do a review of […]

Last night, my husband and I went out for dinner.  Lately we have been trying to eat healthier, with smaller portions, and cook meals at home (not only healthier, but better for our budget!).  The juicy burgers with bacon and loaded fries on the menu were too hard to resist.  And of course, they were […]

Is the cost of food giving you sticker shock these days?  Costs are rising wherever you look, and food can be a big chunk of your spending each month.  If you’re starting to feel the squeeze in your wallet, here are some actionable tips to help keep those expenses down. It Pays to Pay Attention […]

These last few years have been filled with transition for lots of people.  If your transition has included changes in your employment, please keep reading.  If you have transitioned from a job where you were getting paid as a “W2 employee” and are now getting paid as a “1099 contractor”, there will be some big […]

It seems to be everywhere:  the option to “buy now, pay later”.  Convenient? You bet.  Helpful? Maybe.  A good idea? Rarely.  Before you “buy” into the hype (literally), let’s explore some things to consider before you click that button.  What is BNPL? Buy now, pay later (BNPL) is a way to get your stuff now […]