This post may contain affiliate links. Click here to read my full disclosure.

Being broke sucks.out.loud. There’s really no other way to put it. We’ve all been there, but it’s something that needs to be addressed so that you can move forward with a plan to stop living paycheck to paycheck. If you’d rather watch a quick video, I’ve dropped a quick summary up above. Don’t forget to subscribe to my YouTube channel for more practical money tips for the free-spirited nerd! Before we get started, I wanted to let you know I’ve created a free printable SMART Goals Worksheet so you can start tracking your own personal finance goals right away! You can grab it at the bottom of this post.

• Save

Something that really frustrates me is when someone makes REALLY good money, and they’re still living paycheck to paycheck. And I know you’re pissed off about it, too. If you’re reading this right now, chances are you feel the exact same way. You are freakin’ tired of being tired, and you’re tired of not having any money at the end of the month. You’re tired of running out of groceries before the end of the month at the end of the week and saying “Uhh sorry, kids, but we’re gonna have to eat what’s in the pantry”. Raise your hand if you’re feelin’ me.

So I sat down with a couple the other day for a budget analysis, and the first question that I ask people is “how do you feel about your finances?” “How do you feel about your current financial situation?” And 99% of the time, they answer back with, “I feel frustrated! I’m tired of being broke, and I’m tired of living paycheck to paycheck!”.

I can help, guys. We need to sit down and have a budget meeting, where we go through and determine your net income and we subtract out any and all expenses. We’re talking gym memberships, Netflix subscriptions, utilities, house payment, car payment, credit cards, any type of loans that you may have, student loans. And then we’re talking the extra-curricular activities as well for your kids or yourself or your spouse. We’re talking the guys’ night and the Sunday brunches. We’re talking all the things that you spend money on consistently need to be written down on a piece of paper so that you can actually see where your money is going. The only way you can stop living paycheck to paycheck is to actually see it on paper and to either have an “A-ha” moment or an “Oh shit” moment. Honestly. That’s what it comes down to.

You have to actually put in the work.

Stop Living Paycheck to Paycheck & Have More Money

Back to the couple I sat down with the other day…They believed that they were broke. They thought that they had no money before the month was over, and they were running out of money. So just a few minutes in, we determined that they actually did have money to be able to pay off FIVE credit cards. By doing that, they’re freeing up $1000 a month of income that is going to CHANGE THEIR LIVES.

Budget Analysis

On the homepage of this website, you’ll find a button to “book an appointment”. You can also click the link here. You’ll key in your availability into my calendar, and I’ll respond with a budget questionnaire. So I’ll ask you a few questions, and then send in the form and I’ll get right back with you to confirm your budget analysis. Budgeting should be simple, but it’s not for some people. And that’s okay. That’s where I can help you. I love geeking out over the numbers. That’s part of my free-spirited nerd personality! I love putting together a plan and being able to prove to people that you actually do have money. It is possible to stop living paycheck to paycheck!

The fee that I charge for my budget analysis is really minimal compared to the value that you get out of it. Imagine being able to find money you didn’t realize you had! You’ll have peace of mind knowing that you have a plan set forth, that you can adjust and tweak as you go.. Invest in yourself, and I promise you will feel good about it!

What to Expect from Financial Coaching

I’m gonna be honest with you. Your success is up to you.

I can’t make you do the work.

Here is what I can do: I can show up, support you, and share with you everything I know. I can brainstorm with you and empower you, help you to see things differently, and figure out what’s holding you back from achieving financial success. I’ll teach you my strategies and show you how to get clear on what you want and help you make more money, save more money, and pay off more debt. I share with you what has worked for me and what hasn’t — so that you can avoid a ton of mistakes.

You don’t have to do this alone anymore. 

It’s okay to be afraid, but I want you to take the next step anyway. You’ve got nothing to lose (except maybe a mountain of debt).

For a related post, check out my friend Kimberly’s blog at Love to Frugal where she talks about how to stop living paycheck to paycheck.

• Save

Melissa

I’ve done all the things! Girl, I’ve washed my face. I’ve trashed everything that doesn’t spark joy. I’ve walked the baby steps. I’ve cried. I’ve prayed, but my perfectionism has really held me back.

Perfection Hangover can be crippling. Stop comparing yourself to others and start living your best life! That’s why PH exists! I want to encourage you to take control of your money, your blog, and your business.

https://perfectionhangover.com

• Save