Lindsey Ciarrocca | YNAB Certified Budget Coach
Financial tools and resources to help you create a more positive relationship with your money so you can use it as a tool to build your business, live Your Greatest Life and create positive change in the world!
Budgeting lessons from cats and toilets 🐈🚽
Hey Reader! Happy November and welcome to the new look of the weekly newsletter! I've been sprucing things up around here, getting ready for my Black Friday sale!! (Want to be the first to know about the sale?? Click here and I just might send the details early if I get everything ready!! There's definitely going to be an awesome early bird deal!!) Last month was a bit of an adventurous one for our own personal budget and I just posted a new blog about an unexpected expense we had for our...
Common budgeting obstacles. My thoughts inside.
Hey Reader! Budgeting and good money management is important, right? When we master it, good things happen: You don’t have to worry about how or if your bills will be paid this week.You can stop living paycheck to paycheck.You can spend and give generously without feeling guilty.You will feel aligned with your spending because your money is being used for what is most important to you.You can finally take a second to breathe and be at peace with your money. So what’s stopping us from buckling...
Do you have Spotify Premium?
Hi Reader! Do you have Spotify Premium AND actually use the audiobook feature? If not, keep reading! During a client session last week, it came up that they were downgrading their Spotify Premium plan because they didn't listen to any audiobooks through the platform. It got me thinking that I use Spotify for mostly music and podcasts. I've actually only listened to 1.5 audiobooks since they launched the feature! 🤣 So I checked it out for myself last night and was able to downgrade my plan as...
Pick one!
Hey Reader! If I'm in your inbox, that must mean it's Thursday! Happy Friday eve Reader! Is anyone else here a procrastinator and/or an overthinker?? 🙋🏻♀️ I know can be a pretty epic procrastinator sometimes! Especially when it comes to something I really don't want to do. Do you feel like that when it comes to this money stuff?Do you find yourself constantly putting off the things that you know will help you make progress? It's ok, we all do it! But you know what helps me sometimes? Lists...
Why yes, I am passionate about this
Hey Reader! Fun fact about me: my degree is in Graphic Design. Who would have thought that someone with a creative background like mine would end up loving the budget coach life? But here I am, absolutely thriving in this role! And let me tell you why. When you are in control of your money, anything is possible. Money should never be a burden weighing down on your shoulders; instead, it should be a tool that empowers you to live Your Greatest Life. That's the mindset I bring to every coaching...
I'm taking on debt (mostly) by choice
Hey Reader! Debt has such a negative connotation, but sometimes it's necessary. Case and point, this not so stunning deck. And no. That epic tilt to the right is not your eyes playing tricks on you! Yup, this is my actual deck. (Or was, my husband and I tore it down recently! Scary just how easily rotted wood comes apart!) Obviously, this didn't happen overnight. It's been years in the making. Years of poor upkeep on our part, honestly. (And partly that it was just terribly built in the first...
What if you had a vacation with no bills...?
Hey Reader! This weekend in the U.S. is Memorial Day and the unofficial start to summer. And you know what summer means? Vacation! But do the sweet memories of your vacation tarnish a bit when you start getting the credit card bills for it the month after you return home? Imagine how differently you would feel if there were no bills to come home to! The best way to steer clear of anxiety and guilt is to save for your trip before ever heading out the door. You may be thinking this is easier...
4 tips as you start your budget
Hey Reader! Anyone who has tried to stick to a budget knows it can be challenging to stay within your spending limit. This is especially true when unexpected expenses appear, or you're trying to save for a long-term goal. One of the best ways to stay on track is to prioritize what is most important to you at this stage in your life. (Priorities can, and likely will, change in the future and that is 100% ok!.) Here are a couple tips if you are just getting started with budgeting: List our all...
These things take time.
Hey Reader! In a session with a client yesterday, we were talking about how she was disappointed in herself because she hadn't been checking her budget every day. If this sounds all too familiar, I'm here to remind you that you are allowed to give yourself a bit of grace. Can you learn a new language in a week? Will your body heal a cut finger in a week? Can you litter train a cat in a week?? Odds are, the answer is no to all of these! And THAT's 100% OK. It takes time to build a new habit or...
The Amazon Prime Trap
Hey Reader! Are you an Amazon Prime subscriber? Normally I'm not, but at the moment, I'm in the middle of a free 30 day trial. (In a past life I worked at an Amazon warehouse so I generally try not to buy from them if I can at all help it! 🤣) The only reason I said yes to the free 30 days was so that I could get my nephew his birthday gift on time without paying for shipping...haha, whoops, yes, I guess I procrastinated on that one! Anyway, I ordered my gift, took them up on the Prime trial...
I spent $67 on nail polish 💅🏻
Hey Reader! My sister introduced me to Olive & June nail polish last year. If you aren't familiar, they are salon quality polishes and all of their products are vegan, cruelty-free and 15-free, meaning they are free of the 15 most toxic ingredients commonly found in nail polish. If you want to try Olive & June for yourself, you can use my affiliate link to get 20% off any mani or pedi system, which gets you everything you need to get started! And because of that they are a bit more expensive...
Financial tools and resources to help you create a more positive relationship with your money so you can use it as a tool to build your business, live Your Greatest Life and create positive change in the world!