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Being broke sucks. Thereβs really no other way to put it.
Weβve all been there, but itβs something that needs to be addressed so that you can move forward with a plan to stop living paycheck to paycheck.
If youβd rather watch a quick video, Iβve dropped a quick summary up above. Donβt 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 Iβve 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.
Something that really frustrates me is when someone makes REALLY good money, and theyβre still living paycheck to paycheck, and I know youβre pissed off about it, too.
If youβre reading this right now, chances are you feel the exact same way. You are freakinβ tired of being tired, and youβre tired of not having any money at the end of the month.
Youβre tired of running out of groceries before the end of the month at the end of the week and saying βUhh sorry, kids, but weβre gonna have to eat whatβs in the pantryβ. Raise your hand if youβre feelinβ me.
So I sat down with a couple the other day for a budget analysis, and the first question that I ask people is βhow do you feel about your finances?β
βHow do you feel about your current financial situation?β And 99% of the time, they answer back with, βI feel frustrated! Iβm tired of being broke, and Iβm tired of living paycheck to paycheck!β.
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.
Weβre talking gym memberships, Netflix subscriptions, utilities, house payment, car payment, credit cards, any type of loans that you may have, student loans, and then weβre talking the extra-curricular activities as well for your kids or yourself or your spouse.
Weβre talking the guysβ night and the Sunday brunches. Weβre 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 βA-haβ moment or an βOh shitβ moment. Honestly. Thatβs 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 dayβ¦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, theyβre freeing up $1000 a month of income that is going to CHANGE THEIR LIVES.
Related to Living Paycheck to Paycheck:
- Begging for Money: The Beggarβs Guide to Getting it Together
- Dave Job vs Side Hustle to Make Money: Which is the Best Way to Make Money?
- 76 Ways to Make Extra Money on the Side This Year
Budget Analysis
On the homepage of this website, youβll find a button to βbook an appointmentβ.
Youβll key in your availability into my calendar, and Iβll respond with a budget questionnaire. So Iβll ask you a few questions, and then send in the form and Iβll get right back with you to confirm your budget analysis. Budgeting should be simple, but itβs not for some people, and thatβs okay.
Thatβs where I can help you. I love geeking out over the numbers. Thatβs 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 didnβt realize you had!
Youβll 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
Iβm gonna be honest with you. Your success is up to you.
I canβt 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 whatβs holding you back from achieving financial success.
Iβll 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 hasnβt β so that you can avoid a ton of mistakes.
You donβt have to do this alone anymore.
Itβs okay to be afraid, but I want you to take the next step anyway. Youβve got nothing to lose (except maybe a mountain of debt).
For a related post, check out my friend Kimberlyβs blog at Love to Frugal where she talks about how to stop living paycheck to paycheck.
Iβve done all the things! Girl, Iβve washed my face. Iβve trashed everything that doesnβt spark joy. Iβve walked the baby steps. Iβve cried. Iβve 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! Thatβs why PH exists! I want to encourage you to take control of your money, your blog, and your business.
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hahaha….did you write this post for me !? π :D….this is very useful and helpful to me, so Thank you so much!! :)))….I want to mark this tips in my calender, so maybe I’ll get it next months! Enjoy your sunday! Best wihses from hotel val passiria π yours, Pia π <3
Thanks, Pia! Glad you enjoyed!