Good morning, Payday is here. And if this week has felt heavy — financially, emotionally, or both — I want you to pause before you do anything with your money today. Tough seasons are real. But they don't have to cause long-term damage. Not if you stay focused. Here are three questions I want you to sit with today: - How can I show up for myself even when life feels chaotic?​ Your future doesn't stop mattering just because today is hard. You still deserve to make decisions that protect where you're going. - What can I go without right now that won't hurt me long term?​ This isn't about punishment. It's about being intentional with what you have during this season. - What is one thing I did last tough season that made things worse?​ You already know the answer. This time, choose differently. Begin with the end in mind. When this season is over, where do you want to be financially? Let that vision guide your decisions today — including what you do with this paycheck. If you are struggling to trust God with your finances right now, I wrote something specifically for you. Finding Freedom in Finances: A 21-Day Devotional will walk you through aligning your faith with your finances one day at a time. It's only $7. Click here to download your copy Talk to you soon! -Latrisa

Check out this week's Payday Tip! https://pughfc.kit.com/posts/the-one-financial-exercise-you-ve-been-avoiding-payday-tip

Good morning, What do you need to do right now to make the next three months better? If we agree that the perfect time doesn't exist — then it's time to get moving. And I'm not asking you to do everything at once. Being overly intense leads to burnout, and that's not the goal. The goal is sustainable change that actually lasts. So here are three simple things you can start today: 1. Set up your automatic savings deposit. Even if it's small. Consistency beats amount every time. 2. Start meal planning for at least one day. One day is enough to start saving money and reducing stress at the same time. 3. Have a money conversation with your spouse. Not an argument — a conversation. Just check in on where you are and where you want to go. You don't have to have it all figured out. You just have to begin. This is exactly what I'm here for. If you know you struggle to start, don't wait another payday to get help. Click the link below to book your free 30-minute consultation today. Your next season starts today. https://calendly.com/pughfc/consult Have a great weekend! -Latrisa

Good morning, One thing I often share with my clients is that your budget should be completed at least a week before the first of the month. With prices continuing to increase, now is a good time to pause and reassess your budget, calendar, and summer routines to make sure everything still aligns. Here are a few questions to ask yourself during your June budget check: Payday Tip – June Budget Check - Do I need to adjust my grocery budget? - What will eating out look like this summer? - Can my budget still support our typical travel plans with rising costs? - Are there any subscriptions I no longer use or need? Completing your budget ahead of time gives you the opportunity to prepare wisely and make adjustments throughout the month before things become overwhelming. Have a great weekend! -Latrisa

Good morning, Do you feel like you are running a marathon of events right now? My sister calls May “Maycember” because everything seems to happen at once. Graduations, the end of the school year, Mother’s Day, Teacher Appreciation Week, Nurses Week, weddings… all the things are happening at the same time. The challenge is your paycheck probably hasn’t changed. So what do you do? You become intentional. Payday Tip: - Be honest about what you can and cannot do. - Be thoughtful before spending a lot of money. - Be proactive in your preparation. Take a moment to think ahead and come up with a plan. Where will you be present? When will you give presents? If you haven’t already, this may be a good time to create a gift budget and contribute to it consistently. Having something set aside can help relieve pressure when celebrations come up. This season is a reminder that every “yes” impacts your time, energy, and finances. It is okay to celebrate within your capacity. Let’s go through this celebration season being intentional with both our finances and our time. Stewardship is not about doing everything. Sometimes it is about making wise choices and trusting God with what you have today. Share this with a friend or coworker who has a lot going on this month. Have a great weekend! -Latrisa