It's time for the b a qa a to b a q a with Tiffany, to b a qa usually with Manday, but to be a qa just made today. So I'm here by myself because Maddy had mom things to get to.
But that's what right I thought.
She will be back in black and brown as ever, but it is Made Whole week. My new book Made Whole came out earlier this week, and to celebrate, I am going to be answering questions that you can also find the answers to in part in Maidehole, my new book a little bit about Maidhole.
It is going to teach you in.
Ten steps how to create financial wholeness for yourself. That is, financial holeness is the financial foundation for the rest of your life. If you achieve these ten steps, budgeting, savings, that credit, income, investing, insurance, your financial team, net worth, and estate planning. If you learn to manage and maintain those ten steps, things can happen externally to you financially, but you'll be okay, Meaning what session can happen, you'll be okay. Job loss will happen, you could be okay.
Inflation happens, you could be okay. If you master those master and maintain those ten steps, and inside of Made Whole, I walk you through, step by step by step how to do so. It is the workbook version the companion book to my New York Times bestseller Get Good with Money. It is more concise. It allows you to do the work with each and every step right away, so you
don't forget the work itself. There's in real life stories of people who completed these steps via its sister book and Get Good of Money, so you can be encouraged. And I also have quick steps where if you don't want to do the whole step because you feel a little overwhelmed, if you do this one thing, it will make a huge difference in your financial life as related to that step. So that's how Madehole is a little different. So let's get into some questions. But remember this then
I'm answering questions. But I'm not your doctor, your lawyer, your mama, your father. No, I'm just a smart brown girl who have some opinions that you're going to take with the smallest grain of salt.
Then you are going to lean into somebody that you pay for advice. Okay, okay, let's start all.
Right, So we have some. I think I might do three in you know, because it's made whole, made whole week.
Okay.
Oh sidebar also too, made wholes available wherever books are sold.
But also you can go to.
Mad Whole Workbook dot com, Maid Whole Workbook dot com and.
Get yourself a copy.
Okay, all right, So question from Terry from ig Terry says, good day, ladies, or anyone on the team who might be not identifying as a lady.
Okay, I love that.
I have a very important question that I'm sure parents are listening. Would love to know. I'm expecting my first child in three weeks. Can congratulations?
Terry?
Oh well you wrote this a little while ago, so the baby's here already. Congratulations. And after looking at stocks like Amazon and others, I would love to know what are things I can do to get her invested into this economy. So she's having a girl, she will absolutely be a beneficiary on my assets.
Awesome. But what are some things I know to open? She said?
What are some other things she said, I know to open a wrath? And when she starts to have earned income, and maybe you could speak to that as well. I'm here for any advice please and thank you love the show. Okay, first, congratulations because I know baby girls here because you wrote this to us a little while ago. So some things that you want to consider is one, what does your life insurance policy look like, Terry like, have you updated your life insurance policy? Your partner do they have a
life insurance policy? How is baby girl provided for in the life insurance policy?
So that's one. Is it enough? Do you feel?
Here's a rule of thumb directly from Made Whole. So in the I will tell you right now and made hold of the book, I told you.
This is the main whole episode.
Okay, the chapter eight it's called Get Good with Insurance, right, So in it I talk about how much life insurance you have should have basic kind of where you are in life. If you have children, you want to try to provide for a minimum ten years worth of you financially supporting them. So however, you if you the rule of thumb is, let's just say you make one hundred thousand dollars a year. Ten years times one hundred thousand
dollars is a million dollars. So you want to try to get a policy, ideally a term policy for a million dollars or more so that way, if you're not here for ten years, the finance, the finances that you brought into your daughter's life will still be able to continue.
Does that make sense, you know?
So that's one, making sure that your life insurance policies are all the way together to make sure she's looked after. Two, what does your will look like if you have a child you needed a will like yesterday? You know, like if something happens to you, something happens to your partner, you know, where would that money go or who would be looking after her?
In what way?
What do you want to set aside for her? So consider those things. Also, you also want to consider that the issue with just a life insurance policy directly to your daughter, if something were to happen to you, the state where you live might hold that money until she turns eighteen. So one, what that means is that money won't be as helpful to her because she's still really young. And two it might she might be getting too much money when she turns eighteen.
So consider.
Potentially, I don't know, like what your financial situation looks like, a trust as well, because then you can make the trust the beneficiary to that life insurance policy and then it can be pieced out to her as you as you consider, as as you deem necessary. So some to look after her while she's still young, maybe some for like you know, when she is ready to go to college or otherwise, and some beyond.
So consider that as well, Terry.
And another thing, I know you talked about considering maybe getting a raw iray for her and so IRA as an individual retirement account. And the only way to have a retirement account is that you have to be earning money.
The great thing is is that maybies.
Can earn money. So let's just say, you know, I don't know, like your child was a child model, like she could have a raw IRA because she'd be earning income as like a baby model.
You know.
So my step daughter works for me from time to time. I opened up an IRA for her, so I pay her and I pay her enough to make sure she can fully fund her wrath IRA every year, you know, under my guidance and the guidance of my financial advisor on Julie. You know, so consider like you know, you don't have to wait till your daughter's grown for her to have that wrath IRA. And so earned income is just that they are working. You obviously have to prove
that it makes sense. I have my own business, so it's a little easier, but that's one of the ways. And lastly, consider opening. I have this for both Alyssa, my bonus daughter, but also my niece and my nephew. I have something called a not lastly, but I have something that I prefer right now over a five twenty nine plan, although five twenty nine plans can be very helpful. So just for clarity, a five to twenty nine plan is, let me get the right wording for you. Five twenty
nine plan. Okay, So a five twenty nine plan is a college savings plan and it's states sponsored. It enables you to save money for beneficiary and pay for educational expenses. So the good thing is not just college expenses. You can set aside money and pay for educational expenses too. You can withdraw the funds tax free to cover nearly any type.
Of college expense.
Right. So what that means is is that you put say money right now into a five twenty nine plan. Not just you, but other people you know can contribute to this five twenty nine plan. Grandma and grandpa, aunties uncles, and then when it's invested and when it grows, ideally you could pull the money you put in and the investment that it's grown to out for expenses. A lot of laws have changed where it's not just for college expenses that they're even letting you use five twenty nine
plan money for other educational expenses, you know. So some of the advantages are you have some federal income tax benefits and some state benefits. It's low maintenance, high contribution limits, semi flexible. And then some of the cons are the funds must be used for education, there are limitations on tax benefits. There's no self directed investment, so there's not investments that you can kind of choose yourself. There are fees,
and there are some ownership rules. Although there are favorable financial aid treatments, meaning like if you have a lot of money in your five twenty nine plan, it doesn't
mean that your daughter won't be eligible for financial aid treatment. Okay, But the good thing, the tax benefit that I really do like about the five twenty nine plan is that you can use it for college tuition fees, books, supplies, some room and board costs, and up to ten thousand dollars in K through twelve tuition per year, and you know, and up to ten thousand dollars in student loan repayment per beneficiary and per sibling.
So that's pretty good.
But the reason why I didn't open a five twenty nine plan for my nieces and nephews and my stepdaughter is because I felt like it was a little restrictive for me. So instead I have a custodial account for them. And so basically this is just an investment account that I am the custodian of and I will sign over to them or they are the beneficiaries of it when if I'm not here, and so basically it's just a
brokerage account where I'm investing. I put money every single year year across the board to all four of them, and as the money grows, you know, it's for them, and then I can decide when they'll get that money while I'm here and when I am no longer here, I haven't because though the beneficiaries of that custodial account actually goes to the trust, and the trust says the money will be divvied out at age eighteen if they're going to college twenty one if they're not, and then
age twenty five and then finally aged thirty. So that's how the custodia account money pays out to my nieces and nephew and Alyssa if I'm not here. If I am here, then I will sign it over to them as as I find they're responsible enough to use that money in a responsible way. So Custodial Account in five twenty nine plans the last piece of advice. So hopefully that was helpful to you. Tarry another parents, I'm gonna
take you know what. I'm not going to take a quick break just yet because I want to answer this quick, quick, funny question from Ohio Raised and Cali Living. Going to take a quick break, okay, Ohio Raise in Kelli Living, says Tiffany Mandy. My company offers a five hundred dollars reimbursement on things I spend for my wellness. I'm talking from facials to student loan payments. Your girl was in it was all here for it until I read the reimbursement is taxable income. It feels like a payday loan.
Am I trip in financial godmothers love that all ears Ohio Rais and Kelli living.
So this is funny. Here's the thing. There's no such thing as a free lunch.
I know it sounds like, wait, what, There's no such thing as a free lunch because if they reimburse that money to you, what the government says, federal and.
State is that you made money. It says that you made money.
So a reimbursement is still considered money being made.
And one thing that this United States.
Of America does not want to do is see you make money and they don't make no money off the money you made.
So it's not that your company is doing something wrong. Is that.
Yes, they're offering you this five hundred dollars reimbursursement, and if you use that reimbursement, it's made money. So for example, it's similar to if I get something forgiven. So this is what they were fighting about in the federal government
about Biden forgiving the student loans. So some people wanted that student loan forgiveness to be taxed because they're like, you made money, like in outside of student loans, if you get anything forgiven over six hundred dollars, Like there are people who had their they lost their home to foreclosure and they still owed on it, and they got that forgiven, especially during the recession, right, and they had to pay taxes on the money that was forgiven, you know,
because they lost it to foreclosure and as a result, you know, it's like, wait, I lost my house, I gave it up, I still owed one hundred thousand dollars on it, So you mean to same, I got to pay tax on one hundred thousand dollars And the government is like yes, because that forgiven money is still earned money. So reimburse money is considered earned money either way. So it's not your job that's doing that, it's the it's USA who.
Is doing that.
So hope that makes sense, Ohio, Rais and Kelli living that your job is trying to do something nice by giving you that money. But here's the thing, like paying taxes on it doesn't mean that you're gonna pay the full five hundred dollars in tax. So let's just say your tax rate is twenty percent, right, So if your tax rate is I don't even know, like them, that might be kind of low.
Say your tax rate is thirty percent. I'm just making it up, right, So.
Five hundred dollars point times point zero three taxes. That's fifteen dollars of taxes paid on five hundred dollars, So you're still are coming up. You just would have to be paying the fifteen dollars on the five hundred.
Does that make sense? Hopefully that's helpful.
All right, We're gonna take a quick break and we'll be back back and brown again. Okay, Hey, all my bad. So you know your girl is in her soft life error. So you might have heard some chit chat in the background. That is my cleaning lady, Ingrid and her sister. They're cleaning up by beautiful home to get it ready for Thanksgiving because I'm taping on Monday. You heard in the background. That's because your girls living good. Okay, so judge a mama.
I'm just joking, but no, it really was InCred I will have to be like senior out get to please perform vod cilensia before please. But they're really dope though, So I just wanted to apologize and advance. All right, and let's get back to our final question.
But see, here's the thing.
You know, like, I'm giving you all three questions answer, So I mean, can you really be Manna?
You can't this question is for Monique. Hey, Monique says, Hey, Tiffany and Mandy. My name is Monique and.
I absolutely love your podcast. Thanks Monique. I listen faithfully every week because I'm trying to get these coins all the way together. I have several retail credit cards that I am paying off right now because I had a terrible shopping addiction.
Okay, thank you for being candid.
I know that credit cards can be closed if you pay them off and never use them again, which I'm assuming can affect my credit score.
This is true.
What is your advice regarding maintaining my credit score once I have paid off these retails cards in the future, if I do want to open cards, I only want to use cards that I can pay off monthly and then offer traveling points and rewards to think y'all. Okay, Mony, this is great because this is I can give you an answer directly out of my new book, Maidhole, the credit chapter, which is chapter chapter five, page ninety one if you have the hardcore book. Okay, so yes, if
you close. So you said retail let me make sure you said retail cards. Now here's the thing. I am not a fan of retail cards. I'm not I am. I am not.
Anti credit cards.
I believe credit cards can be useful tools, but the problem with a general like a general credit card, to me, is better than a retail card because with a general card, you.
Can use it anywhere, and you can you can.
It's easier to be a little more responsible because if I have a retail card, say, for example, I have a Target credit card, like because Target only wants you to use at Target, so I can't just use it anywhere.
Where with a retail card. With a general card.
I can use it anywhere, and I can even use it in a way Like I tell you in the book, I teach you how to raise your credit score fairly quickly by doing this method of paying off a small balance of your card every single month, I can say, Okay, I'm going to put my Planet Fitness ten dollar membership on this card, or I'm going to put my Netflix membership on this card and paid off every month in full to see my credit score grow. If I have a Target card, then I have to buy something from
Target every single month in order to do so. So that's an additional expense when I'm already I already have Netflix, I already.
Have the gym membership. Does that make sense?
So I would pay off these retail cards and quite honestly, I will close them. Now you have to know this. Then thirty percent of your score is really your balances. So when you close your cards, it is going to likely lower your score temporarily and pretty significantly because you won't have any limit to out to outweigh the balances on your card. If that makes sense. So I'll give
you an example. Thirty percent of your score. I'm looking like directly from for those of you who might have the book in hand, let's look at it.
I'm looking at.
If you have the physical book, which is my favorite when it comes to a workbook. I'm looking where am I looking at the investment chapter? Girl?
Give yourself offway together tipically.
Earlier sis earlier, So I like, what did I tell you what page the credit chapter is on? And made whole page ninety one? Oh kind, I'm here now, okay, okay, okay, okay, reduce your amounts old? Okay, we're looking at page ninety nine. Okay, And so really I said the word amounts old or your balances.
Another word for that is utilization.
So thirty percent of your score is how much if your cards are you utilizing. You don't want to utilize too much of your cards. The magic number is nothing above thirty percent, but really you want to be utilizing even way less than that, like even under like fifteen to ten percent. What that means is, if you have a credit card with the balance of one hundred dollars, you want to keep the with the limit I'm sorry, of one hundred dollars, you want to keep the balance
under fifteen dollars. Thirty dollars is the max fifteen ten dollars ideal paying it off even better? You know that is how you're going to raise your credit score. But the problem is with retail cards, you would have to buy something just to navigate the keeping your balance is low or paid off, and I don't want.
That for you. So I want you to pay off these retail cards.
Then when you feel like you're more responsible and you can automate the payments, then you can look for a regular credit card that offers travel warpoints, like for business I use AMEX. I also have a personal like gold car for AMEX, but I have a silver, not so or platinum car for business AX because I found that's my favorite card for business, but also too my personal card because I like to travel. I have where's my
Let me see if I find it. Mandy always last at me because I always call it the wrong thing. So I have my wallet here. Let me call it the right thing.
For once in my life. I have a what is this?
Oh?
Okay?
So Visa has a Sapphires Reserve Card. I like this card because they give really great points for travel. I literally just use my Amex points to book my mother a flight to Nigeria. She wants to go to Nigeria for Christmas with my aunt, and so I was able to use points, like literally she didn't have to. Well, she paid a little bit out of pocket, but the tickets were so expensive and the points made the tickets really reasonable. But like I said, I have that's Amex,
but you might not. You know the problem with Amex is that the annual fee might not be worth it for you. But I like my Chase Sapphire Reserve card. You know the fee, the annual fee is more reasonable and they give you a lot of great travel rewards. So, for example, I just came back this weekend. I was in Washington, d C. I was taping. I'm not taping. I was. I had a book launch event at the Eaton Hotel via Mahogany Books. This is a black Own bookstore,
which is so awesome. Ramunda her owner, with her husband, and so my two sisters wanted to come as well as my niece and my nephew Roman and Amelia who's eight and six, and so I was going to buy train tickets from all of us. It's about a three and a half hour to four hour train ride from New Jersey to DC. But because it was last minute,
train tickets tend to be really expensive last minute. It was like my admin who was looking, was like twenty five hundred dollars to buy all those train tickets, and she was like, I suggest you drive. So sure enough, we use Enterprise because that's where I get my cars from, because I because I get cars from whenever I get cars from them, so I'm like a Platinum member or
whatever the hell they be calling me now. And with Enterprise, I told Rose, make sure you book using my Sapphire a reserve card because the Sapphire Reserve card gives you you know how like when you sign up to get a car rental you can get what is that stuff, insurance and protection if you use your Sapphire Reserve Card because it's a travel card, it actually gives you that same protection, so you don't have to pay for an additional insurance at enterprise wherever you're renting a car from.
So it's one of the things I always remind Rose my admein like, oh girl, remember when you're booking flights, certainly use my AMX card. But you're booking a car, use my Sapphire Reserve card. So there's benefits like that, but again only when you're ready.
If you had a.
Terrible shopping addiction, then I don't want you to jump out the window to get brand new cards after you pay off the other ones. I would pay off the other cards. Sit for a few months. Baby, with no credit cards, open up a credit card with very low balance. Maybe open up a secured credit card with very low balance, very very low limit, like five hundred dollars.
See how you do with it before moving on to some of the big dogs. Does that make sense?
I hope that helps Monique directly out of my new book Made Whole, a Practical Guide to reaching your financial goals. If you would learn love to learn how to budget, save, manage your credit, manage your debt, learn to earn, learn to invest for both retirement and wealth. Learn how to make sure you're fully insured. Learn how to pick your financial team, how to increase your net worth, and how to make sure you are you have the right estate plan.
Those ten things which I like to call financial wholeness. If you would like to achieve financial wholeness, I teach you step by step in this new workbook, Made Whole, which is the companion book to my New York Times bestseller Get You With Money. It is on sale as of this week. It is launch week. It is available everywhere Target. You'll see me Barnes and Nobles, which I think I'm gonna go buy Barnes and Nobles to Target today.
See if I see my face on the shelf. If you see it, please tag me. I'm at the Budgetista.
And it's also available online at Mad Whole Workbook dot com. I think I still have a few signed copies left. If there are, it'll be on top of the page. It'll say like get your signed copy here. But Made Whole Workbook dot Com. And I just want to thank you, you know, Brianna Bishin like this is also the week of Thanksgiving, and for so many of us who've lost loved ones, holidays can be really hard. Certainly it's been
really hard for me. But you know this, you guys have been like consistent family for me and Mandy, and so from our family to your family, we wish you, you know, just a peaceful, soft, safe holiday season. And I hope you are good to yourself and good to the people around you. And we'll be back next week. If you haven't shared brian A. Bish with your family and.
Friends, what are you waiting for? We love to have more listeners. All right, y'all bye, Wait before you leave, it's.
Me again, Tiffany. As you know, it is the launch week of my new book Made Whole, the companion book to my New York Times bestseller Get You With Money, And because it's launch week, I wanted to give something specifically to my BA fan. I want to give you a ten minute clip directly from the audio version of the book. Yes, this is my gift to you. I'm not giving it to nobody else. So if you got some time and you want to listen, this is really my favorite part of the book. And I hope it
really kiss you all that you need. If you want to get your copy of Made Whole, you can go to Maid Whole Workbook dot com. The link will also be in the show notes. And enjoy this audio clip and thank y'all for all the support for so long.
You know, I love y'all. All right bye.
Chapter one. The made Home Map and mindset. Think of financial honess as a destination, a place to set your sights on and focus your energy toward. With this mindset, you will have winds along the way, and even the small steps of progress you make as you pursue becoming one hundred percent whole can be life changing. After all, success is like the layers of a cake. Each good choice builds on the one before it, and before you know it, all the seemingly small choices and adjustments you've
made come together to create an amazing dessert. The cake you've built holds remarkable power. It represents all your growth as a result of all you've learned.
Tiffany tip.
At the end of every school year, my dad always reminded me and my sisters that we'd reach a new level of education and that, as he said, knowledge once given can never be rescinded, and that's how it'll be for you as you proceed through the levels of financial wholeness. To help you get prepared for your journey, I want to give you a preview of the steps to come and share some mindset tools to help you make the most of your good work. The Ten Steps of Financial Holeness.
The path to financial holeness has ten steps. Each step, which corresponds to one of the next ten chapters, is related to an area of your finances, and some will require more.
Work than others. One Build your budget.
Learn how to create and semi automate a personal budget and open the necessary checking and savings accounts to support your budget.
Two Save like a squirrel.
Calculate the savings goal number needed to meet at least three months worth of expenses for your household. Then calculate how much you need to save each week and month to achieve this goal within twelve to eighteen months. Three Dig out of debt. Write out your total debt payments and interest rates using the my Debtless template at mad Whole workbook dot com. This will give you a clear picture of what you owe. Then choose a debt repayment
strategy and formulate your payoff plan. Four Score high credit. Pull your credit score to see where you stand. Make a list of the factors that are impacting your score that come up with a game plan to improve it. Five Learn to earn increase your income. List all of the things you've accomplished at your job in the last few years that make a good argument for you to get a raise. Then make a list of all of the tasks or jobs you do at work so you
can uncover your side hustle skills. Develop an action plan that lists what you'll do next to increase your income. Six Invest like an insider. Use all automated investment plans for retirement and wealth building. Speak with HR about retirement plans or set up your own retirement accounts. Automate an amount to go into retirement, and brokeras you accounts and increase contributions as your income increases.
Seven. Get good with insurance.
Make sure you have proper insurance coverage that means understanding and calculating your needs around life disability, auto and home insurance, and more. Eight Get rich issh increase your net worth. Learn how to calculate your net worth and how to achieve and maintain a positive net worth. Create a net worth goal and define actions you're going to take each month to achieve it.
Nine.
Pick your money team, choose an accountability partner, and find yourself reliable and trustworthy financial professionals.
Ten.
Leave a legacy a state planning Actively plan for what will happen to your state, cash, real estate, jewelry, and other assets after you die. This is important no matter the size of your bank account and portfolio. I know that at first glance it may seem like a lot to take on, and I want to be real with you it is. But with patience and dedication, it can be done, and it will be made easier if you take advantage of the opportunity to answer questions and complete
the exercises throughout the book. These are designed to help you create a deeper connection to the work, and they will help you track your progress along the way financial wholeness.
At a glance.
Want to get to one hundred percent ten percent when you create a budget. You'll get to twenty percent once you learn to save, thirty percent if you start to reduce your debt, forty percent when you up your credit score.
Almost halfway there, fifty percent when you start to increase your income, sixty percent when you invest like an insider, seventy percent when you get insurance, eighty percent when you start to increase your net worth, ninety percent when you form your money team, and one hundred percent when you
learn to leave a legacy. The made home mindset. There's a lot of financial guidance out there, but too often the emotional element, that is what it feels like to look directly at the most important facets of your financial life is left out. The problem with this is that not addressing your emotions can get in the way of moving forward and making progress. It's so easy to get stuck on the fear or feelings of overwhelm, or the sadness and shame that may come up around the topic
of money and your history with it. But you can overcome these obstacles by acknowledging their presence and making some mental plans to work through them. I found that there are two mindset prep steps that really help. These work to sort of wipe the slate clean and set you up for the kind of success that sticks. Step one, share your shame. Shame thrives in the shadows, and it needs silence to be strong, and the stronger and bigger your shame grows, the more it can hide from you.
When you share your shame around financial setbacks you've experienced or poor money decisions you've made, you take away its power. I felt so much shame around the financial mistakes I made that I became almost paralyzed to turn things around. The shame kept me from seeing solutions. I finally started the process of getting pad ask my shame by giving voice to it. I shared my embarrassing financial situations with
the kindest person I know, my best friend Linda. Telling her about the financial whole I've fallen into was the start of my journey toward digging my way out. So here's my assignment for you. Pick the kindest person you know and share a financial secret with them. This person might become your accountability partner aka financial bestie, who helps keep you on track as you help keep them on
track throughout your journey to financial wholeness. But for now, focus on getting your shame off your shoulders and out.
Of the way.
Repeat after me. I will share my shame with someone I know, love and trust. I will not keep trying to carry this weight all by myself. Step two, give yourself grace and space. I made some mistakes in my twenties that left me in serious financial distress. Here are some of my financial stats. At the time, I had thirty five thousand dollars of credit card debt due or scam, fifty two thousand in student loans, and a two hundred
and twenty thousand dollars mortgage. My savings was depleted. I had recently been laid off from my preschool teaching job. I had lost my condo to a foreclosure. I had to move back in with my parents. I was essentially the opposite of financially home. I lacked structure and intention in planning across the board, and I couldn't forgive myself for it all. I know that might sound dramatic, but it's true. And it wasn't until I said to myself,
it's okay, Tiffany, you didn't intentionally harm anyone. You made money mistakes that I was able to share my shame with Linda and start to forge a new financial path. When I look back at that time, I realized that I had to give myself grace and space before I could evolve. I needed grace, the root of kindness and compassion, and space the room to be simultaneously flawed and capable
of flourishing in the future. As you prepare to embark on your own path toward financial homeness, I want you to think about your own financial history and any regret or remorse you have about choices you've made or circumstances around which you've tied yourself up in a lot of blame. No matter what your specific scenario, this story is not serving you.
It's time to let it go.
First, find your own Linda, and give voice to your shame. If you don't have someone to share this version with, talk to me. I'm at the budget needs to on all platforms, and I'm listen. Once you've cracked open the door, it's time to forgive yourself by saying it's okay if I don't know the next step. My future is full of potential. It's okay if I made a mistake, new opportunities abound, and it's okay if I let myself down.
My past does not dictate my future. Who is it just me?
Or are your eyes sweating after hearing those phrases out loud? Repeat after me? No matter what, I will give myself grace and space creating an environment of support. Emotional housekeeping is an important part of tending to your personal finances, but your physical housekeeping matters too. Taking the time to set up your environment in a way that makes you feel calm can help you reduce stress as you get
started on the steps to financial wholeness. Here are some things to add to the spot where you'll keep your financial house in order, whether it's a whole room, a nook, or just a tabletop in your home where you'll sit to do this work. A scented candle, one that makes you want to settle in and stay awhile. An emotional support blanket, you know, the one you might have to fight your significant other, your roomy, or your kids for it. Fuzzy socks shoes. I love my fuzzy leopard print house slippers.
A relaxing, personalized playlist. Shade is my favorite this workbook. I would love to hear about any additions you make to your space that you find helpful. Share it with me on social and use the hashtag made whole, Made Better. Six