Over the past few weeks, we’ve talked about creating clarity, reducing clutter, and paying closer attention to where your money is actually going. This week, we’re building on that awareness by looking at our small habits. A lot of people assume money problems come from one big mistake. A major purchase or a bad decision. However, it’s often those small habits we don’t even think about in the moment that add up. It’s the takeout you don’t think twice about because you’re tired. It’s the subscriptions you barely notice. It’s the impulse purchase that feels harmless in the moment. It’s avoiding your accounts because you “already know it’s not great.” It’s telling yourself you’ll deal with it later. None of these things means you’re bad with money. They mean you’re human. Habits are powerful because they happen automatically. They don’t require much thought, which is exactly why they can go unnoticed. When something runs on autopilot, it can shape your finances without you realizing it. The good news? Small habits can work in your favor just as easily as they can work against you. You don’t need to change everything this week. You don’t need a dramatic reset or a perfect plan. You just need to choose one pattern that isn’t helping you anymore and decide to shift it. Maybe it’s ordering food more often than you’d like. Maybe it’s checking out online too quickly. Maybe it’s ignoring your balance because it feels uncomfortable. Maybe it’s swiping your card without asking yourself if the purchase is worth it. Whatever it is, choose one. Focusing on just one sets you up for success and makes it more likely you’ll be able to stick with the change. This matters for debt payoff, too. Debt often feels like a giant mountain, but paying it down usually starts with creating extra room in your monthly life. That room is often found in the habits you can gently shift. Every pattern you change can free up money to put toward the goals that matter most to you. So this week, your only focus is to choose one habit you’d like to adjust.

I'm happy to share the April workshop with you. I talk you through ways to focus on saving, set your priorities, and creating a plan. I share lots of tips and suggestions throughout the workshop, but not everything will apply to everyone. Be sure to listen and pull what resonates with you and build on it. This will be up in the community for the next week and then I'll move it to resources for our premium tier members. *I listened to the playback and the sound is a little funny, but you can hear me. It seems like my computer switched to record with the wrong microphone, so I apologize the sound isn't as clean as I'd like!

There’s a big difference between guessing where your money goes and actually knowing. I used to do a lot of guessing, but once I actually focused on it, it was eye opening. When you start paying attention, even for a few days, things become clearer quickly. That clarity creates a sense of calm and puts you in control. It makes it easier to decide when to spend and when to save, and begin putting together a practical budget that works for you. It makes the effort of tracking your spending worth it!

Over the past few weeks, we’ve been creating a little more space and clarity around your finances. You’ve cleared out some of the clutter, gotten a better sense of what’s where, and maybe even started to feel a small shift in how your money feels day to day. This week, we’re taking the next step. Most people don’t actually know where their money is going. Not in a detailed, spreadsheet-kind-of way, but in an everyday awareness kind of way. If that’s you, it simply means you haven’t built the habit yet, so that’s what we’re starting now. This week, I encourage you to try tracking your spending. For the next three days, just notice your spending. Write it down as it happens, or take a minute at the end of the day to reflect on where your money went. It doesn’t need to be organized or perfect. You’re not categorizing, budgeting, or judging, just starting to pay attention. You might notice patterns you hadn’t seen before, purchases that feel worth it, and others that don’t. All you’re doing is gathering information. This information is what gives you the ability to make more intentional, thoughtful choices later. There’s another reason this step is valuable. Debt rarely comes from one big, obvious decision. More often, it builds quietly through small patterns over time. So, now we’re just looking at and learning from our day-to-day spending. Your goal this week is to track your spending for three days. We just want to bring a little more awareness to where our money is going.

This week I'm doing some information gathering. In order to be certain this community is best meeting your needs, I need to know what your needs are! 😁 I'd love to hear from you. Answer this poll and feel free add a comment below. Any information is helpful! What would you like to see more of? What do you need most help with? I want to know! Today's question is: What causes you the most stress when it comes to money right now?