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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. CONNECT WITH ME ON INSTAGRAM Note: This email may contain affiliate or referral links which means I may receive a commission if clicked at no extra cost to you! I appreciate your continued support! |
I help professional women balance their desire to enjoy life now with the need to save for the future without stressing over every dollar.
Hey Reader This week, I’ve been thinking about how far I’ve come with saving and investing and how different it looks from where I started. Back then, I was just putting a small amount into retirement because I knew I should. It was about $200 a paycheck. Nothing fancy. Just a start. Which reminds me of this common piece of advice you’ll see everywhere in personal finance: “Save 15–20% of your income.” Which begs the question…is all that really necessary? Honestly, yes, but not all at once....
Hey Reader If you’ve been reading my emails for a while, you probably care about getting your money together. But caring and actually making changes are two different things. It’s easy to read, save, and say, “I’ll get to this later.” Then weeks or months go by, and nothing really changes. I don’t want that for you. Reading about money can only take you so far. At some point, you need a plan and real action behind it. If you’ve been here for a while but haven’t reached out yet, there are...
Hey Reader, I know I don’t usually pop into your inbox on Fridays (per your request), but I didn’t want you to miss out on this. I won't make a habit of it. I promise! 🫶🏽 I’m sending over something I’ve been working on to help you answer that nagging question: "Where did my money actually go this month?" You might use some other choice words 😆 but the feeling is the same 🫨🤯. I created the "Where Did My Money Go?" Calculator (a simple Google Sheet) to help you move past the "head-math" and...