Still working on your New Year Goals?


Hello Smart Money People,

Still working on your New Year Goals? It’s almost February 2018! Where did January go? Right about this time every year, people begin to lose momentum for the goals they set for the new year. They stop going to the gym, they forget the promise they made to themselves to eat better and they forget the financial goals they’ve set to win with money this year.

I want to encourage you to brush off those goals, if you wrote them down. If you didn’t write them down, I highly advise you to do so. Have a look at them again and get back on the horse. As the saying goes, nothing changes if nothing changes. Continue reading “Still working on your New Year Goals?”

HAPPY NEW YEAR! Looking to change for 2018? Read on.

Happy New Year!!! Can you believe it is 2018 ALREADY? Clearly, I love the New Year’s posting. This is post number 2. See post # 1 here about New Year Budgeting! I guess it is something about a new year, a fresh start, a new beginning and since my holiday posts were a little late in delivery I thought it best to be early for my New Year’s Post!! Both of them (wink wink). Continue reading “HAPPY NEW YEAR! Looking to change for 2018? Read on.”

The Holidays are HERE!

The Holidays are HERE!!! It’s the most wonderful time of the year. Everyone is happy, there are parties, there are lights and merry songs on the radio. It is a lovely time for sure.

There is no shortage of Diet and Exercise advice. Every article is about how to survive the holidays and not gain weight. Solid. I love it. I am no stranger to wanting a quick tip or trick to manage the holiday pounds if you know what I mean?

I have read many articles and heard many perspectives for dieting. Interestingly enough, is not all that different than how to manage your money over the holidays.

Here is some of the advice floating around the world wide web (does anyone even call it that anymore?) on dieting and I drew some parallels to money management. Smart eh? And I’m not even Canadian, but my sister-in-law is so there’s that. Continue reading “The Holidays are HERE!”

How to handle money in your 30’s

Hello Smart Money People,

Ahhhh.. the 30’s.

Welcome to this pivotal and busy season of your life! The 30’s! It is the decade of growth. There is career growth, possibly marriage, personal growth, starting a family, investing in your first home, MAKING SURE YOU HAVE an emergency fund (see THIS post on emergency fund). Deciding RIGHT NOW what you want the next 30 years to look like.

In our 30’s, although not fully intentionally, we made some smart moves. We lived below our means, we bought the least desirable house in the neighborhood and renovated it. We moved from a high cost housing market, southern Connecticut, to a lower cost housing market, North Carolina. In hindsight, had we really focused and did what I am about to tell you to consider, we would be in a different place. Don’t get me wrong, we made out better than okay, but it could have been even better had someone told us. My wish for you is that you can no longer say, after reading this article, “I wish someone would have told me.”

Consider yourself TOLD, here is what you should think about and decide on in your 30’s: Continue reading “How to handle money in your 30’s”

PODCAST: The Importance of the “Money Chat” with Jennifer Duffee featuring Yours Truly


This is very exciting news!! I was just interviewed on my very first Podcast EVER!! Last month I had the privilege of meeting the lovely and talented Jennifer Duffee. Jennifer is a Business and Lifestyle Coach based in the UK. We met last month and she is taking her business to a new level and started a Podcast! She asked me if I would come and speak to her people on the topic of, well, money. We had a lovely chat. It is HERE and I would love if you would listen and let me know what you think by leaving your thoughts in the comment section!!

One more ask, if you liked it, please leave a comment and share it with friends!

You can also check out Jennifer HERE!

Have an amazing day!

When it comes to being smart about money- YOU’VE GOT THIS!!


Karen & Bill

Car payments be gone!! Pay cash for your car.

Hello Smart Money People,

Let’s talk CARS. What is a car? I googled it to see what the internet would offer as a definition and here is what I found:

  • A vehicle moving on wheels (
  • A road vehicle, typically with four wheels, powered by an internal combustion engine and able to carry a small number of people (
  • An automobile (

Let’s talk money. According to an article on in 2015, 85.9% of new cars were financed through a loan. The average monthly car payment in 2017 was a whooping $479. Actually, I know a guy that has a $700 car loan. That is literally RENT, but I digress. For a car payment that is frighteningly high, Experian reports the average term of a new car loan is 68 months and the average amount financed is $30,032, see the article from HERE. Yet the average American, 57%, have less than $1,000 in savings. Read more about how Americans are saving in this article.

So, what is it with CARS, people?

Continue reading “Car payments be gone!! Pay cash for your car.”

Taming Holiday Spending with THIS Holiday Budget Worksheet Just For You

Hello Smart Money People,

Today let’s talk about taming holiday spending. It is the most wonderful time of the year AND the craziest when it comes to spending! There are deals to be had. I get it. I am a sucker for a deal. I am a sucker for a lot of things. However, so you don’t feel sucker PUNCHED come January, I encourage you to have a plan. Having a plan safeguards you from making spontaneous decisions that can possibly be NOT good decisions a few hours or weeks later. You know I am a lover of the budget, the holidays are no different. If you want to enjoy the holidays now and later, set a budget and stick to it. Continue reading “Taming Holiday Spending with THIS Holiday Budget Worksheet Just For You”

How to handle money in your 20’s

Hello Smart Money People,

I often get asked what should people focus on regarding money in their 20’s. It is a good question and more people should ask it.

It is a hard question to answer simply because everyone is different, however, as that is not helpful, we can give you suggestions and you apply what is relevant to you.

In my 20’s I focused on nothing but having a good time, buying clothes, taking vacations and EATING OUT as much as possible. I encourage you NOT to do the same. Bill on the other hand, met me in his early 20’s, I am 5 years older than he, total sidebar, but he was, and is, a natural saver. Bill began saving from his first paycheck. He was investing in and saving outside of retirement.

Spoiler Alert: The bottom line is it is all about choices. When you have money in the bank and an emergency fund and no debt, you have CHOICES. When you are tied to a car payment, a house payment, a credit card payment, a job you don’t like because of all of your payments, guess what you don’t have? Choices. Continue reading “How to handle money in your 20’s”

Newly Married! What you should know about combining your finances


Congratulations! The wedding is behind you. The centerpieces were perfect. Your weird cousin Al didn’t do anything embarrassing. THANK GOODNESS. Being a newly married couple is A-MA-ZING!

Now that marital bliss is your everyday reality, how do you combine your finances?

Let’s break it down. What you find-ah. What you feel now. What you know-ah. To be real.  Listen here to the Classic Cheryl Lynn’s Got To Be Real. If you are not familiar with the song, it’s about being REAL. Continue reading “Newly Married! What you should know about combining your finances”