The 2 biggest money black holes (and how to destroy them)

We’ve all got areas of our spending that just seem like black holes. You know the ones - the parts of our budget that you can never seem to get under control, that start to suck in all the money around them, until whoops, you’re out of money again (or - whoops, the credit card bill this month has its own gravitational pull). What even happened there, anyway?

Let’s talk about the most common ones I see with my clients, and what, exactly, to do with them so they stop ruining the rest of your finances.

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Don't forget! (to put these things in your budget)

One of the first things I ask people to do when they begin working with me is to document all of their expenses - what they spend money on, how much, how often, that sort of thing. What day is the car payment deducted, how much do you really spend on groceries, how much do you spend on the holidays?

Oof. That last one is a doozy, isn’t it? At least with the groceries, you can look back over the last few months and come up with a number, but then there’s things like the holidays that are a little more...vague.

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How to avoid a holiday spending hangover

There’s a lot of advice out there about how to spend less money at the holidays. It boils down to:

  • Make a budget and stick to it

  • Shop sales

  • Plan before you shop

  • Consider buying fewer, or less expensive gifts

Don’t get me wrong - I think these are all good advice. I do all of these things myself.

There are a few additional pieces of advice I give to my clients, though, that I’d like to share with you as well.

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How to get back on the (budgeting) wagon

So, you fell off the wagon. You were doing good for a little while - you’d started managing your money differently. Maybe you were keeping track of your expenses, keeping your awareness around your spending high. You had stopped using your credit cards, maybe even started putting money away for emergency savings, you’d made a plan and had been chugging away at it. Things were going well, if slowly.

And then.

So, you fell off the wagon. You were doing good for a little while - you’d started managing your money differently. Maybe you were keeping track of your expenses, keeping your awareness around your spending high. You had stopped using your credit cards, maybe even started putting money away for emergency savings, you’d made a plan and had been chugging away at it. Things were going well, if slowly.

And then.

And then, something happened.

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How to know if it's time to hire a bookkeeper

Today we’re talking about bookkeeping. You know, the day-in, day-out slog to keep your business expenses and income carefully tracked, to the penny, with at least some categorization into what sort of deductible business expense it is related to.

At some point, you’ve surely asked yourself - is it time to hire someone to do this for me?

The answer is...maybe.

There are some people who it absolutely makes sense to hire a bookkeeper for, some people it makes absolutely no sense to hire a bookkeeper for, and some in between. If you’re not sure where you fall - read on.

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Bookkeepers, CPAs, and CFOs, Oh My!

You’re a business owner, freelancer or side-hustler. You take this stuff seriously - you’ve got a website, you’ve got a business name picked out, you’ve got business cards. You’ve got customers and a marketing plan (though “plan” may feel like a fancy word for what you’ve got, but there you go). You’ve got clients, and you’re making money. You might even be established enough to be making good money by now.

Which means, I’m afraid, it’s time to talk about your money. Wait, don’t go screaming for the hills just yet!

If you’re thinking about getting some help with your money, you’re probably wondering where to start. Do you need a bookkeeper? An accountant? Both? Someone else entirely?

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Should you use You Need a Budget (YNAB) in your business?

Do you have a business? A side hustle? A freelance gig?

How are you handling your money in your business? And yes, if you have a side hustle or a freelance gig, you have a business.

Ugh, you know what that means. Taxes! Bookkeeping! Headaches!


What if I told you that there was a simple tool that never gets talked about in business-finance-tool roundups, but which does a lot of the most important things those other tools do, is less expensive, easier to use, and which also helps you with really important things you’re not even thinking about (but really should be)?

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