Whether you earn $50,000 or $150,000, living paycheck to paycheck is extremely frustrating.  Here are five signs that you are stuck in the paycheck to paycheck cycle: * You are waiting for a paycheck to get deposited before you purchase something * You are juggling bills—and thinking about “which paycheck” you will pay them out … Continue reading One technique to escape the paycheck to paycheck blues →

Are you earning what you’re really worth? Do you make enough money to live the life that you desire? Or are you “underearning”—consistently making less money then you feel you should or want to be making? Let’s look at some typical examples of underearning. Many people don’t earn their worth because they do not negotiate … Continue reading Is it time to earn more? →

A few weeks ago I wrote a review of Karen McCall’s new book, Financial Recovery—developing a healthy relationship with money. (Karen is the founder of the Financial Recovery Institute.) I want to share with you five of her “symptoms” of Financial Dis-ease from chapter one of her book, with her permission. But why the word … Continue reading 5 symptoms of financial “dis-ease” — do you identify? →

It’s finally here!!! I’ve been waiting for this book for three years. It’s called Financial Recovery—developing a healthy relationship with money, by Karen McCall. Karen is my mentor, colleague and very good friend.  (And she is the founder and director of the Financial Recovery Institute.) She is the one who inspired me to become a … Continue reading Financial Recovery: developing a healthy relationship with money– The Book →

At times I feel like I’ve taken a vow of sorts. And this vow guides me, irritates me and gives me amazing freedom, often all at the same time. This vow, this guiding principle if you will, allows me to live my life without a lot of financial guilt or confusion. It gives me the … Continue reading The “Vow”- and 7 questions to help you avoid using credit cards →

I’ve always thought of myself as a reasonably patient person. And this patience is a handy thing, when it comes to spending. I can often make myself wait until something goes on sale. I’ve noticed my son is less so, and hope that he will “mature” as time goes on. But now I wonder if … Continue reading Does your childhood last name affect your adult spending? Maybe so. →

I’m as human as the next person. Sometimes I want to spend money I shouldn’t. Take clothes, for example. For Christmas, my father gave me some very generous clothing gift certificates. So I hit the after-Christmas sales pretty hard with my friend Sandra. Between the sales and my gift certificates, it was like everything was … Continue reading 4 Steps to Calculating Your Life-Energy Number →