Easy Ways to Organize Money Before Year End

Aug 23, 2024

Easy Ways to Organize Money Before Year End

Taking the First Step Towads Organizing Your Money

Trying to organize money can feel like scrambling eggs, flipping pancakes, and trying not to burn bacon at once.

And for working moms, professional women, and divorced women, the financial circus can seem even more intense – trust me, I know.

Fear not, because it’s not too late to turn your financial chaos into organized bliss.

The first step is often the hardest, and it’s the part we usually want to skip.

Here’s how you can confidently level up your money management game and consistently achieve financial goals regardless of how much money you have.

5-7 min read: Looking for the audio version of this blog post – Sign up for the FIIRM Hero Newsletter Community to HEAR what this post is all about when you don’t have time to read it.

What is the First Step to Organized Finances?

The best way to organize your money is the way that works best for you.

But I can’t think of any reason why the following steps wouldn’t be helpful as outlined in this first section. These first few actions are helpful for single, married, and post-divorce women.

Set Clear Priorities

Decide which area of your finances needs the most attention. What’s important? What is more urgent?

Only try to tackle a few things at a time if you are working on your financial health alone (no financial team, financial bff, or romantic partner). Think about the different ways in which your finances are affected the most.

Do unexpected expenses throw you completely off track? Do you need to focus on paying off debt, saving for a goal, controlling your spending habits, or just taking control of your finances?

Create a Plan

Outline the financial decisions you need to make to achieve your priorities. Be specific and set deadlines to keep yourself accountable.

Document the plan, which includes your budget, by writing it down or using an app to track your goals (see below for more guidance). You don’t need to map out the plan for the year; start with the next 90 days.

Take Action

There is no such thing as a perfect moment, so please don’t wait for the ideal moment to start.

Commit to taking action because small actions lead to significant results over time. Which leads me to the next step…

How to Set Financial Goals You Can Actually Achieve?

The best way to set your financial goals is in alignment with your upcoming milestones and transitions.

Setting financial goals is like plotting a road trip’s route— you might get lost without a map. Think about your intentions for this year – what do you want to achieve? What has gotten in the way of you making those things happen?

Break Down Big Goals

Significant financial goals can be intimidating, and there’s a high likelihood that you won’t reach them if they are too lofty.

Breaking them into smaller, manageable, realistic steps is a good idea.

For example, if you want to save $5,000 for a down payment in 6 months, it might sound ok to write down that goal.

However, suppose your financial life won’t let you be great because can’t put $833.33 into your savings account over the next 6 months. Because you rarely have $833 left over at the end of the month.

In that case, your goal needs to be adjusted. That may mean saving for longer or reducing the down payment amount. This will make your savings goals realistic and, most importantly, achievable.

Track Your Progress

When it comes to personal finances, seeing your savings grow or your credit score improve can be incredibly motivating. Monitoring your progress with a spreadsheet or a budgeting app is a great way to do this.

You can also set up alerts for your checking account activity, credit cards, bill payments, due dates, etc. You name it, there is probably an alert for it.

Alerts often help you avoid or reduce late fees and spend a little less time reviewing bank or credit card statements. Almost every financial institution allows you to set up an alert on your financial accounts.

These alerts can help you avoid unnecessary fees and provide peace of mind that your accounts are being monitored.

Stay Flexible

Life happens, and sometimes you need to adjust your goals. Whether it’s saving for a family vacation or building an emergency fund, clear goals will keep you focused.

Suppose your son or daughter is graduating from high school, and it’s time to buy yourself a new car.

In that case, your family vacation may not be as long or as luxurious as you would like it to be, depending on how your cash flow is set up. Flexibility allows you to adapt without getting discouraged.

If you know you have good habits, then little hiccups won’t mess you up in the long term.

Plan for Fun

Personal finance isn’t all about deprivation. Set aside funds for fun activities to keep life enjoyable and see the fruits of your labor.

What’s the Best Way to Simplify Your Financial Life?

Tracking bill payments, important documents, investment accounts, and financial records can suck, but it can make it easier to organize your money.

Simplifying your financial life can reduce stress and make money management more effortless. This is super important for your post-divorce life as your world has likely been turned upside down, and you need things to be more accessible.

You may need more good days than bad ones, and simplifying your financial life can help.

Consolidate Accounts

If you have multiple checking or savings accounts, consider consolidating them if you are not using them. Also, consider reducing the number of financial institutions where you have accounts. Fewer accounts mean less to keep track of.

Automate Your Accounts

Set up automatic payments for bills. This ensures you’re never late and saves you the hassle of remembering due dates. If your cash flow is inconsistent, you can still use your bank’s online bill payment system to set up the payments manually. This gives you more control over how you pay bills.

Set Up Direct Deposit

This way, you’re saving before you touch the money.

Automate your savings so that a reasonable portion of your paycheck is automatically deposited into your savings account.

By setting up automatic transfers, you can grow your savings over time.

Reasonable is the trick here, but you decide if 5% or 25% makes sense for your long-term goals. If that’s not feasible, you can set up automatic transfers directly from your checking account to your savings account for an easy way to save consistently.

Go Digital

Use an online banking mobile app and budgeting app to manage your finances. Digital tools can provide real-time insights and make tracking easier. Apps like Acorns, Qapital, and Chime round up your purchases to help you reach your savings or investing goals. It’s an easy way to save without even noticing.

How to Organize Your Financial Documents & Your Credit Cards?

An organized money system, including keeping your financial documents organized, can save you time and reduce stress. Credit card management can be tricky. When credit cards are used wisely, they can be a great financial tool. Here are some simple ways to organize your financial documents:

Create a Filing System

A good system can be digital, physical, or a combination of the two. Most of us receive some statements online as well as paper statements. You may still have a physical filing cabinet or leverage digital tools like Dropbox. As a Certified Divorce Financial Analyst (CDFA®), I know firsthand that setting up your filing system and keeping everything in its proper place are important steps if you are planning to divorce. Guess what, though? It’s equally important when you are planning to get married. If you take the time to do this, you’ll also be a dream client for a financial advisor.

Go Digital

Whenever possible, opt for digital statements and receipts. Digital documents are easier to organize, take up less space, and reduce financial clutter.

Some credit card companies allow you to have a virtual credit card number. This number is usually different from the card number on your physical card and provides a better sense of security.

Capital One allows you to set up a unique number for each vendor, which makes it easier to stay organized about who has your card number on file.

Regularly Review and Purge

Periodically review your documents and discard anything you no longer need. Start by checking your credit report for mistakes.

Dispute any inaccuracies you find. Keeping only essential documents reduces clutter and makes it easier to find what you need. Bank statements, ATM, and credit card receipts can be discarded once reconciled unless required for tax purposes. Shred expired credit cards!

Get rid of your expired debit card. But it’s best to hold onto documents that are difficult to replace. Some of those are listed below:

Adoption papers & birth certificates
Citizenship Documents
Death Certificates
Divorce Decree & Marital Settlement Agreement
Estate Documents
Marriage License
Military Discharge Papers

One last helpful note to support your financial success. There is no need to carry all of your credit cards in your wallet. While it may require more planning on your point, limit the cards you carry in your wallet. Carry the cards you’ll need that day or that week and place the rest in a secure spot.

Discovering the Best Way Forward

We are all unique. What works for one person might not work for another. Here are two simple things that can help.

Experiment & Seek Advice: Build your financial team with the right advisors to get advice. You’re not expected to know everything and an outside perspective can help with complex decisions.
Stay Committed: Financial organization is a continuous process. Stay committed to your plan, take a closer look at your money goals regularly, and make adjustments as needed.

Wrapping Up Your Journey to Organizing Your Money

This post was all about the best ways for women to organize their money. Organizing your finances doesn’t have to be overwhelming. You can achieve financial clarity and peace of mind by:

Setting clear financial goals
Leveraging tools like budgeting apps and automation
Remember, the key to success is taking that first step and continuously making progress.

Ready to take your financial organization to the next level? Need some assistance? The FIIRM Approach helps female breadwinners protect their financial security and improve how you manage your financial life.

Let’s connect to see how the FIIRM Approach can provide you with personalized strategies and guidance that work for your needs. Sign up for the FIIRM Hero newsletter community and get access to free information.

Start your financial transformation today and make 2024 your best financial year yet!

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Nikki Tucker

Founder & Managing Director

Nikki is an experienced financial services professional, a Certified Divorce Financial Analyst ®, and the primary divorce financial strategist for The FIIRM Approach. She helps female breadwinners prepare for divorce to avoid common financial mistakes and confidently maintain their financial security post-divorce. She uses proven strategies within the FIIRM Approach methodology so her clients can manage their money, debt, and credit and be connected to the right resources for the next phase of life. TAKE ACTION & LEARN about the tools that can help make your pre and post-divorce easier. Grab your FREE Divorce Support Pack.

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What’s in your financial future? Security, Freedom or Independence (Part 2)

Oct 13, 2017

What’s in your financial future? Security, Freedom or Independence (Part 2)

Welcome back from Part 1.

Let’s talk Independence!

Que Beyonce and the girls!

Or Jamie Foxx and Ne-Yo (I like that version too)

Imagine your standard of living being independent of your decision to work a job.

Imagine your ability to earn money not being dependent on the efforts of your spouse, significant other or parent.

Remember the term independently wealthy? I don’t hear very often today, but it sounded super fancy when I was a kid. Independent AND wealthy for $1,000 Alex!

Well, financial independence is not quite the same thing.

While independently wealthy individuals are also financially independent…financially independent individuals are not always independently wealthy.

The little difference is the wealth factor.

So, how do you become financially independent?

Financial independence is like being “grown” on another level. You are not dependent on a spouse, a family member, friend or a paycheck to take care of your needs. Ultimately, you are not dependant on one source of income.

You’ve figured out how to use a combination of your investments, savings and other passive income streams to your advantage.

This is difficult to even initiate if you aren’t financially secure and almost impossible without being financially engaged.

While financial independence may give you the feeling of freedom, it’s different from financial freedom.

Financial independence is more about the “how” of your ability to generate income versus the “what.”

You’ll see why shortly.

What impacts your ability to have financial independence?

Many would say a job! While that may true, I would argue that the biggest impairment is only having one stream of income.

If being independent is about being in control, having only one source of income spits in the face of financial independence.

There’s a much higher probability, risk, and impact to you if you lose your one and only source of income versus losing 1 of many.

So what impacts your ability to achieve financial independence…I’m sure you can guess the 1st one…

-having one source of income

-being primarily dependent on another individual’s income

-having more expenses than income (aka living outside your means)

-purchasing large amounts of material possessions with no monetary value

Financial Freedom

The definition of freedom previously referred to the freedom of caring or having constraints.

When you don’t care about something it’s typically because it doesn’t affect you.

Ironically, being free is kind of like being a kid.

Only in this instance, you have more power!

The moment you don’t care about how much money you have is likely when you don’t need it.

Ummm, what?

Did you just ask me, who doesn’t care about money?

Well, it’s typically those that:

Live well below their means (2) Have more means than they will ever truly need

Financial Freedom gives you even more options! The option to be who you want to be, do what you want to do and give your time to the things you truly care about.

Financial Freedom is commonly associated with having a LOT of money. I’m not suggesting that it isn’t a way to obtain financial freedom, but what I suggesting is that it is NOT THE ONLY WAY.

Option 1: Your standard of living is independent of your ability to earn money. You have built a life that looks like you subscribe to “tiny living” or a nomadic lifestyle.

You only need true essentials to survive and may be much more concerned with experiences versus stuff.

Option 2: You leverage your tushy off (which is not the same as working your tushy off). Under this scenario, your ability to earn money is not being dependent on your individual efforts.

You leverage your resources, your network, and your assets to generate enough money so you are not confined by the traditional means of earning a living.

When your goal is financial freedom, a higher emphasis is placed on lifestyle and choices versus just dollars in the bank.

financial freedom or financial independence

What does financial freedom look like to you?

This could be the lifestyle of the rich and famous or the lifestyle of Gandhi or Mother Teresa but the bottom line is that it’s the lifestyle that you choose!

Your income may come from a variety of sources including, but limited to wages from a job, your business, interest income, dividends, business interests, royalties, etc.

Imagine not caring about money or your ability to cover your obligations. Imagine having no constraints when it comes to your life’s choices.

Imagine having the power, the means and the choice to do what you want, help who you want and live how you want.

You have created a life that gives you the freedom to do so.

While I know financial freedom to be a “popular answer” to a common question, being free is not for everyone. It requires commitment and sacrifices whether you pick Option 1 or Option 2.

What impacts your ability to have financial freedom?

-Tons of debt

-No money

-Lack of discipline

-Trying to do it all alone

-Mental Constraints

You hear about famous people traveling the world and living in “MTV cribs-style homes”. In the same year, you hear about their millions in back taxes or bankruptcy which implies that they were living beyond their means and thus are not truly financially free.

You also hear about people that have never had credit card debt (or any debt), live in an Amazon jungle and volunteer to help those less fortunate (by Western standards).

While this person may or may not have enough money to outlive them, they have made the choice to be free of the constraints of what most deem as a “normal life.” This is what financial freedom looks like to them.

You can’t gain either of these three statuses by accident. They all require discipline, commitment, patience and usually help from others.

The statuses shouldn’t be viewed as stair steps. While you may start with financial security you have the option to structure your life to go straight to financial freedom!

As you are considering which one of these 3 ideas connects with you the most, I recommend asking yourself these basic questions?

What do you truly value in life?
What is preventing you from reaching financial security, financial independence or financial freedom?
Are the decisions you’re making beneficial or detrimental to your goals?

While progress starts with financial security, it’s up to you what level you hit next.

Take me with you along for the ride as you begin to take action towards real progress and accomplishing your financial goals! Grab your free copy of the FIIRM Ultimate Resource Guide. Learn what other women like you are doing to save more, do less and earn more.

Nikki Tucker

Founder & Managing Director of The FIIRM Approach

Nikki is a Blogger, Speaker, and primary financial strategist of The FIIRM Approach. As a mom, 20+year financial services professional, and Certified Divorce Financial Analyst ® she is committed to helping female breadwinners strategically prepare their finances for divorce and confidently maintain their financial security pre and post divorce. Nikki uses action-based education in her Bring Home the Bacon workshops and strategy sessions as well as her on-demand digital resource – Silent Preparation Series - so you can prepare your finances for life's major transitions.

TAKE ACTION TODAY & LEARN about the simple things that can help make your pre & post divorce life easier - Grab Your Complimentary Divorce Support Pack today

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What’s in your financial future? Security, Freedom or Independence

Oct 8, 2017

What’s in your financial future? Security, Freedom or Independence

I can’t wait until I’m grown!

Have you ever said that before? Come on, you can tell me.

Have you ever heard it from your children or maybe someone else’s children?

Let’s face it, being grown sucks at times. Plus, we spend way more time being grown than being a kid. So it can suck for a long time!

Almost every kid wants to be grown because they’re looking forward to being free of their parents (maybe you) and free of rules.

What we don’t realize when we are young people is that all we do is trade one type of freedom for another when we become adults.

I have asked “What is your ultimate financial goal” many times to people. A very common answer is “I want Financial Freedom”.

When I hear that answer it makes me think of the “I can’t wait until I’m grown” phrase.

Do we really know what we’re even asking for?

Allow me to break down 3 common ideas:

Financial Security vs. Financial Independence vs. Financial Freedom

Let’s start with some facts. The Webster dictionary defines:

Security: freedom from fear or anxiety; freedom from danger; something given or pledged to make certain the fulfillment of an obligation.

Independent: not dependent; not subject to control; not requiring or relying on something else.

Freedom: the absence of necessity, coercion or constraint in choice or action; liberation from restraint of power or another; freedom from care.

Financial Freedom and Financial Independence are often used interchangeably, but they are not the same thing.

But before we start singing Independent Women by Destiny’s Child, we should probably start with “Security” by Otis Redding.

You’ve probably never heard of the song, but the first line in the song is “I want security, yeah.”

It just seems so appropriate.

Many of us are seeking Financial Security but are saying “Financial Freedom”

Security is a basic need. Maslow said so.

Financial security is just as basic because I said so. ☺

You want to make sure that you are comfortable enough to handle whatever crazy things life throws at you that can impact your finances.

If you’re looking for financial stability, first you have to get rid of the obstacles in your way.

How do you get obstacles out of your way? You become financially engaged.

Most people are just financially literate.

Being financially engaged is an action that comes with an incredible feeling. It’s like being as confident as Cher and Tina Turner when they go out on stage!

In the back of their minds, they may be hoping and praying that nothing goes wrong but deep down they know they have enough experience and a strong foundation to weather any storm.

Here’s an example of what I mean:

Some households can’t afford to miss one paycheck. Many definitely can’t afford to miss two.

When you are financially secure you have confidence in knowing that if you were to miss a paycheck, you would be just fine.

According to AAA, most families can’t cover the expense of a major vehicle repair. I’m sure the same can be said for a major household repair.

However, when you are financially secure, you know you have access to liquid cash or available credit that can easily be repaid to cover the repair.

When you are financially secure it doesn’t mean that you are super rich.

Financial Security doesn’t need to look like this

It also doesn’t mean that you don’t incur financial mishaps. It DOES mean that you have your financial ducks in a row.

You are free of anxiety about being able to pay your bills and meet financial obligations.

You have the proper insurance coverage and estate documents in place to protect you and your family’s financial security.

You still may worry about things going wrong and it’s a “no refund kind of guaranteed” they will. But, those worries won’t keep you up at night.

It’s important to get on the path to financial security early so that you are fully prepared for any financial surprises and progress towards financial freedom, if that’s what you truly want.

What impacts your ability to have financial security? Throwing the covers over your head and ignoring your financial challenges or opportunities.

Many of these items you’ve heard before and haven’t tackled with the ferociousness necessary.

I’ll repeat them as a friendly reminder.

-Not being cash flow positive

-Not having an emergency fund established

-Not having access to credit or enough available credit

-Not having the proper insurance protections

-Living outside of your means

-Not understanding your spending triggers or focusing on physical possessions

You have to understand your complete financial picture (which includes the items listed) before you can gain financial security. Often we look at our finances in parts. You have to review THE WHOLE PIE!

Notice I didn’t mention how much money you earn above.

Think about it how many broke people you know that earn a lot of money.

Financial security is about being stable, responsible and feeling secure in your financial position.

That security looks and feels a little different to everyone, but the foundation is essentially the same. Not being wealthy is not a reason not to go after it.

Financial security is the step that can’t be skipped regardless of whether you’re looking to achieve financial independence or financial freedom. It’s the first step to having options!

Tina Turner was Anna Mae Bullock first! She weathered the storms and earned the right to be Tina Turner.

Can you stop at financial security? Heck yea! Anna Mae could have just stopped at singing in nightclubs and been fine.

Maybe you’re already financially secure.

Cool! Virtual high-five.

Keep on rocking out your financial life!

Maybe you’re just curious about your other options.

Either way – you’re in the driver’s seat to control your financial destiny.

You’re also in control of how much you read of this blog series.

I’ve given you enough to mull over for now.

Remember the goal is to help you with your progress on your financial journey. There are no expectations to be perfect.

Take your financial life to the next step by reading Part 2: Financial Freedom, Security or Independence: What’s In the Future for You?

Nikki Tucker

Founder & Managing Director of The FIIRM Approach

TAKE ACTION TODAY & LEARN about the simple things that can help make your pre & post divorce life easier - Grab Your Complimentary Divorce Support Pack today

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Plan Your Finances Like A Wedding in 3 Steps

Jan 20, 2017

Plan Your Finances Like A Wedding in 3 Steps

If you got married more than 10 years ago, you may have had a “wedding folder” filled with fabric swatches, catering menus, and dress ideas.

wedding

If the coordination of your wedding was like a def-con operation, then maybe you had a wedding binder!

Pinterest may have even held the treasures to your dream wedding if you got hitched within the last couple of years.

Your wedding day was dreamy. You made sure that every centerpiece was perfect, your bridal party looked like magazine models, and of course, you married the love of your life!

Similar to your personal finances everything for your wedding didn’t go exactly as planned, but most didn’t even notice.

Your then-fiance told you over and over again, “Don’t worry about it – everything will be fine!”

He was right! All your hard work paid off.

And that folder! Well. You probably haven’t seen it since your big day.

1. Do you keep a financial binder that is as impressive as your wedding binder?

Improving the way you manage your personal finances requires the same time & attention you gave to planning your wedding & honeymoon, but the impact is so much more important to your family.

I’m not saying your marriage isn’t important.

But the wedding itself has little to do with whether you survive as a married couple.

During the planning, you and your then-fiancé likely had little arguments over things that never really mattered. It just felt like they did.

One of those arguments may have been about something that did matter – your budget! Maybe you kept a cool, balanced head, and your husband was the overindulgent one (yeah, right..lol).

Filet Mignon or Chicken? Top Shelf or Well Liquor? A hand-sewn beaded or second-hand dress? One isn’t necessarily better than the other. It pretty much comes down to preference.

Plus, one other major detail-Your budget!!

The way you design your wedding has a lot to do with your personal finances.

Grand or modest home? Luxury or practical car? Super cleaning lady or super cleaning powers?

Yep – Preference and budget definitely matter with these choices.

A wedding is such a big event. There are serious deadlines and multiple people involved to pay close attention to the details and the planning. You have the pressure of time & limited resources that force you to make hard decisions.

With your finances, the pressure isn’t the same. You expect to stick around another 50-60 years.

The urgency just isn’t there.

You keep telling yourself that you’ll get around to maintaining a real budget for your household, but you don’t.

You understand how critical little details are when planning your big day but in normal life, you politely leave important details of your financial situation untouched – like nasty food at a tasting.

I completely understand how planning a wedding is different than planning your finances- more fun, romantic and sentimental.

Whether we want to face the truth or not, we spend many months (or years) planning one day that honestly has very little return on our money.

Then, we’re reluctant to spend an hour out of the month planning for things that impact our day-to-day life or our retirement years.

Your budget doesn’t have to be in a fancy binder or spreadsheet. My mother keeps hers in a $.50 notebook.

I know that personal finances can be a scary world. It can feel so overwhelming it downright sucks at times.
I’m confident that you can tackle it. You just may need a little help.

One of the keys to creating a sense urgency is by setting realistic financial goals with deadlines. Start with very simple, but deliberate, tasks to give you some relief. One of the first things you can do is grab the most recent copy of the FIIRM Ultimate Financial Resource Guide! It’s filled with tools to help you earn more, save more and do less!

2. Who can you trust to make it happen?

Once you have an idea of how much money you’re working with you for your wedding, you start talking to vendors that you want to hire (If the day isn’t perfect, the bridezilla hiding just beneath the surface may show up & show out. It’s best for everyone that you get what you want?.

You interview vendors, read reviews, taste test and ask your friends for recommendations. You want to make sure the people you hire can execute your plan well.

When it’s time to pick your insurance agent, financial advisor, or tax preparer are you as diligent?

Do you come up with a list of questions? Do you know what the right person “feels” like?

If you aren’t a “numbers” person, thinking about budgets, retirement accounts and tax strategies is probably similar to how I feel about golf. I’ll play if you put a gun to my head.

However, the times when I’ve enjoyed golf the most is when I play with a great group of ladies or have had an instructor at every hole.

Sometimes you just need the right people around to help you get through it.

Today the internet makes it easier to pick the right professionals. You can read reviews, listen to podcasts and read blogs to get a “feel” for a person before you hire.

Be patient and diligent. Never worry about asking too many questions and shop around.

No one plans or completes a wedding alone. Please, please stop thinking you should know how to handle your finances without help.

3. How engaged are you with your own success?

When it comes to a wedding, you first celebrate the possibility.

Celebrate your success Yep, before you got married you may have had an engagement party to celebrate the possibility of getting married. You celebrate the progress you’ve made in a romantic relationship.

Don’t get me wrong. I am not bashing engagement parties, but how many things do we actually celebrate before we accomplish it?

It’s not very many. The main two, that I can think of, are marriage and babies.
Think about it.

Hardly anyone celebrates their new job just because they got the interview. Most don’t throw a housewarming party before they close on the new house.

The celebration of love & life is a beautiful thing. I’ve been to some awesome birthday parties and amazing weddings.

But my busy moms, devoted wives and hard working women, also need to embrace celebrating financial milestones!

When you make strides in improving your financial situation, you have accomplished something worthy of a celebration.

The relief you feel after getting your “financial house” in order is no small accomplishment.

Paying off all your credit cards or even just a major one is bragworthy!

What if you celebrated increasing your contribution to your retirement account?

What about a celebration after you’ve made your first investment in the stock market or watched the stock price double?

Why am I beating the crap out of this topic?
Because I truly believe if you value your money and its real purpose then you must show the universe, yourself and your family that you mean it!

As you make progress improving the way you manage your finance house, ACKNOWLEDGE IT!

Show the universe you appreciate the prosperity you are receiving.

Plus, if people can celebrate things like kite flying day and national lasagna day (which sounds delicious by the way) I’m certain you can find a way to celebrate your financial milestones.

An engagement party shows that you are excited about the possibility of a life filled with love & happiness. You are expressing your optimism and openness to receiving joy.

The same logic applies when it comes to your personal finances.

Naturally, you only want the closest of the close involved. Those that have heard you cry your eyes out over your ex-boyfriends or loaned you a few dollars in your time of need.

Besides, the celebration doesn’t have to be anything over the top.

Something as simple as a gourmet latte & great dessert with your closest friends could be enough! (Ice cream is not the devil, btw.)

After you start acknowledging your financial milestones you can start a new trend with your friends.

How cool would it be to attend your best friend’s financial student loan payoff party inspired by you?

Sounds very grown-up, doesn’t it?

Getting your financial house in order is real grown-up work.

When you’re really serious about it, it won’t seem odd to do the things I mentioned above. And it definitely doesn’t have to be perfect. There’s no such thing as a perfect wedding nor a perfect marriage. It takes patience and commitment to make either work.

Trust me – your personal finances require the same efforts.

Allow me to help start off your progress.

Say your financial vows and commit to yourself by clicking the “I DO” button to find the resources you need to help you save money and keep your finances on track. The best thing about this guide is that we did all the work for you.

You’re ready to take this head on!!

Ready to get your finances in order
I ________ (your name), pledge to make my personal finances a priority like a Bridezilla planning a wedding!! I pledge to be patient, communicate my goals and celebrate my success with cake (or wine, or donuts or chocolate…)!

I DO!

Nikki Tucker

Founder & Managing Director of The FIIRM Approach

TAKE ACTION TODAY & LEARN about the simple things that can help make your pre & post divorce life easier - Grab Your Complimentary Divorce Support Pack today

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