W.A.Y. S.M.A.R.T. Goals

by | Coaching, Goals

There is an acronym that every coach has heard. Whether in sports, life, or business, coaches use and teach goals and the acronym is catchy. It just sounds good to say S.M.A.R.T. Goals. You want to be smart don’t you. Setting goals that are smart bring about...

How To Mint (Mint.com)

by | Coaching, Finance, Goals

I/We have been using Mint almost since it started. It has been an effective tool to keep my wife and me on the same page. It presents our budgets aligned with how we have spent money against that budget. It automatically gets all of our electronic transactions from...

Baby Step Three

by | Coaching, Finance

Our family is currently in Baby Step Three. For me, it has been a long journey through Baby Step One ($1,000 starter emergency fund in the bank) and Baby Step Two (Pay off all debts smallest to largest with the debt snowball). In fact, it took me 43 years but I spent...

Budgeting Tools and Tracking

by | Coaching, Finance

It sounds like most of you spend money using a credit card or debit card. That is what we do because using the electronic records make it really easy to check how our spending aligns with our budgeting. Remember, budgeting is taking control of your money: “A...

Baby Step Two

by | Finance

With the budget in hand, we decided to turn our “diminishing funds” into a genuine emergency fund. Then we ignored the voices of the enemy in our heads: “what about…what about…what about…” and we were off to Dave’s Baby...