Just keep swimming


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Dear Smart Money People,

This is my favorite line from Finding Nemo in the production at Disney World in Orlando Florida. Guaranteed every time we see it, I cry. The scene is Dory is stuck in a fish net and Nemo sings “Just keep swimming.” The collective efforts of all the fish swimming down breaks the net. Then Dory starts singing “just keep swimming.” Fishnet breaks. Fish free. Queue TEARSContinue reading “Just keep swimming”

Personal Finance is, well, Personal

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Dear Smart Money People,

I have been teaching and coaching people on personal finance for a few years. I have come to realize it is highly personal, hence the name, personal finance.

Bill and I were avid Dave Ramsey followers, and still do stick closely to his principles, however, we have adopted habits, routines and rituals that reflect who we are, our goals and our lifestyle. Our personal goals.

Here is what I have learned, drumroll please, – I don’t think there is one way to manage money. And there you have it. Continue reading “Personal Finance is, well, Personal”

Decision Fatigue

Photo by Glenn Carstens-Peters on Unsplash

Hello Smart Money People,

There is a very real thing that I have noticed in my life. Thanks to years and years of my husband’s telling me I run myself all day and then I am “no fun in the evening because I am too tired” commentary. I finally observed what the behavior is, and I would bet you too may suffer from, decision fatigue. Continue reading “Decision Fatigue”

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!”