stop the "it’s only $5" trap


Hey Reader

Last weekend, my sister and I went to the Millennium Tour concert. It was full of throwback music from artists like Bow Wow and B2K. The kind of night that feels fun and light.

But something small stood out before we even got inside.

We pulled up to park and saw the closest lot was $40.

I was ready to just pay it and move on. But my sister, knowing the area, told me to drive a couple blocks down instead.

We parked there for $30. That’s a $10 difference and all it "cost" me was a two minute walk.

And it got me thinking…

This is how money can slip out of our hands without us even noticing.

Not big dramatic spending but small moments where convenience makes the decision for us.

And I want to be clear here. I’m not against convenience.

If it’s planned for and fits your budget, go for it. Life should feel easier where it can.

But most of us aren’t tracking every small “it’s fine, I’ll just pay it” moment and it adds up over time making life and money feel heavier than it needs to.

A $10 difference here. A $5 upgrade there. A delivery fee. A faster option. A little extra because we’re tired.

None of it feels like much in the moment.

But over a year? It can quietly grow into something bigger than we expect.

This is why I use sinking funds.

Sinking funds are just a way to set money aside ahead of time for the things you know you’ll spend on.

Concerts. Trips. Gifts. Life stuff.

Because of that system, I didn’t have to stress about this night at all.

I already knew the tickets were covered. I already knew parking was covered, whether it was $30 or $40. This gives me peace.

Not trying to predict every cost perfectly… but having a plan that holds space for real life.

If you want a simple breakdown of how sinking funds work, I made a short video that walks you through it here. Click here to check it out!

And if you’re someone who’s been thinking, “I make good money, but it still disappears,” this 10-minute video focuses on the bigger picture.

It breaks down how to build a system that helps your money stay organized so you’re not always wondering where it went and you can build true financial freedom.

Let's help you create a system that catches the small leaks before they turn into stressful messes. That’s where things start to feel different.

Eager to see you thrive,

Prisca

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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Upcoming Events

On June 10th at 12 PM EST, Monica Froese of Redefining Mom is hosting the Train Your AI: Mom Brain Profile Workshop, a live 90-minute workshop showing moms how to train AI to help relieve their mental load.

You’ll build a personalized “Mom Brain Profile” live during the workshop so tools like ChatGPT can give you answers that make your life easier rather than providing generic responses. Think meal ideas that fit your family, support that reduces decision fatigue, and more!

The $39 workshop includes the live training, replay access, personalized prompts, and a complete setup guide for ChatGPT, Claude, and Gemini.

Learn more →​​​​​


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Read / Listen / Watch

Have you ever tried to force your monthly spending into the popular 50/30/20 rule only to realize your basic bills blows past the 50%? It makes you feel like you are failing at budgeting, but the truth is that the textbook rules completely ignore your individual reality.

If you keep trying to force your life into that generic box, you will stay stuck in a cycle of constant financial shame, which usually just makes you want to quit managing your money altogether.

In this 8-minute video, I am sharing how to stop the budgeting shame and build a plan that actually fits your life. You will learn the exact anatomy of the 50/30/20 rule, why the standard math fails you based on where you live, and three specific ways to pivot your percentages so you can finally breathe again.👇🏽

Watch on YouTube →​​​

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Hi! I'm Prisca, money coach for professional Millenial women

I help professional women balance their desire to enjoy life now with the need to save for the future without stressing over every dollar.

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