I recently dropped my phone and cracked it. The Samsung store said the motherboard was damaged, so buying a new one was unavoidable. I’ve had this phone since 2020, and I wasn’t ready to start over. *Cue the Graduation song by Vitamin C*

Shopping around shocked me. The latest model was $1,200–$1,400, and things like SD card slots are gone. So I went back to what I used to do: I checked eBay and got the previous model for $724.50. Good camera, less cost, and no regrets.

The lesson? Take your time with money decisions. Don’t rush just because something’s “new” or feels urgent. Step back, explore your options, and you’ll often find a smarter, more sustainable choice that works for you.

🧠 Mindset Shift of the Week

There’s always a reason to wait to get your money together. “I’ll start when I make more money,” “after the holidays,” or “when things calm down.” But waiting for the “right time” keeps you stuck.

The truth is, there’s never a perfect moment to get serious about your money, just the moment you decide to start. Let’s find your starting point together.

💡 Smart Saving Tip

Ever feel guilty spending money on things you enjoy? Setting up a “fun budget” changes that. By planning ahead for dinners out, hobbies, or mini getaways, you can spend without guilt because the money’s already set aside for that purpose.

Want to see how this ties into your overall savings plan? Learn how sinking funds make guilt-free spending possible.

📉 Debt-Free Game Plan

Finding yourself back in debt after paying it off can feel like a kick in the pants. But this doesn’t mean you failed.

Life happens, and what matters most is how you respond. Take a breath, look at where things went off track, and build a stronger plan this time around.
​Debt Payoff Made Simple can help you create a strategy to get out of debt and stay out for good.

📈 Investing Made Simple

Thinking about your child’s future can feel big...

but starting small makes all the difference. Whether it’s saving for college, their first car, or just giving them a financial head start, investing early gives their money more time to grow.

You don’t have to know all the options right now. This guide from Fidelity breaks down the different ways to save and invest for your child’s future.

Thanks for letting me be part of your financial journey. Which section was your favorite this week? Hit reply and let me know—I love hearing from you!

Eager to see you thrive,

Prisca

P.S. Found something helpful today? You can drop a little something in my Appreciation Jar if you’d like. Totally optional—your support in any form means the world.

P.P.S. I help women like you create a customized plan for your money that allows you to enjoy life now while saving for your future. Schedule a free call to learn how my coaching can help you.

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