Asking for help with money is uncomfortable. It's vulnerable, and you're laying out your most private personal information.
Maybe you're not proud of how you've been spending your money lately, and you're embarrassed by the thought of anyone else seeing your spending habits.
You have to be honest with yourself. Not rude, or talk down to yourself for your past actions, but don't lie to yourself either.
Ignoring something won't make it go away, it will only make it worse.
If you don't know where all of your money goes, it is time to start tracking it. Whether you make $1,000 a month, or $10,000 a month, we all need to know how our money is working for us.
You're the only one who will ever see your budgeting information.
Even if you do choose to sign up for a one on one call with me - you don't have to show me your exact numbers. I can walk you through the spreadsheet without ever knowing what your financial situation is. If you're open to sharing with me, I can customize the sheet even more, but it is always 100% optional.
I can help because I've been there.
I used to be in crippling debt, I used to spend money I didn't have on things I couldn't afford. I was a broke college student, and then a struggling single mom. I understand money troubles.
When I was 19, I moved across the country to live with my best friend. I worked at the corporate office of a convenience store, making minimum wage, and I loved my job.
One night on the way home, I realized that I was almost out of gas, but didn't have any money to get more until my paycheck got deposited that night at midnight.
The next morning, I had to stop and get gas before going to work. I showed up a little late, and my supervisor called me into his office.
He asked if it was poor planning on my part that I had to stop and get gas before work in the morning. Why couldn't I have stopped last night, and been on time to work this morning?
When I explained that I was out of money and had to wait for my paycheck, he reached in his wallet and handed me a $20 bill, and said to fill up my tank during lunch.
I was definitely embarrassed, but I was more grateful.
I thanked him and turned to leave, but then he did something that absolutely mortified me.
He asked if I would want him to sit down with me and go over my finances.
If we did that, he'd know how often I was eating out, that I only bought my underwear at Victoria's Secret, and that I was clearly not good with money.
I thanked him again, and turned him down. Then I left his office thanking my lucky stars that no one else had access to my spending habits.
This experience did open my eyes to the fact that maybe I wasn't making the best spending choices with the little money I did have...
This was my catalyst to start budgeting and tracking my spending.
I thought that if I spent the next month or two making my bank account look more presentable, I could be proud of sharing it next time someone asked if I needed help.
The funny thing is that once I started being mindful of what I was spending, and keeping track of where my money was going, I never had to wait for a paycheck to fill up my gas tank again.
I paid my supervisor back as soon as I got paid again, and a few months later I proudly told him that I was doing much better managing money.
It still took quite a few years to get to the point that I am at now, but I am so grateful that someone opened my eyes to the necessity of paying attention to money at a young age.
And now, after 10+ years of budgeting and expense tracking, I have wrapped up everything I've learned into a budgeting course. If you'd like to be one of the first to have access when it goes live, leave your email address below.
Use the knowledge I've gained over the past 10 years and your budgeting journey won't take nearly as long as mine did!