Posts by Nicole Cooley
How To Adjust Your Spending By Season
My new blog post today looks a little different. I don’t have a new how-to series, no free training to promote. Today, I’m sharing a little bit more about my life. Both so you can get to know me better and so I can show you how I apply my value-based spending principles to my…
Read MoreHow To Avoid Late Payments On Your Credit Card
First, it dawns on you. You forgot to make a credit card payment. Second, you panic. You’re an adult, you know this stuff is important, how are you messing up at life so much?! Third, the shame comes. You feel that shame deep in your gut, you don’t want to call the company and your…
Read MoreThree Things To Consider Before Taking Financial Advice
Would you rather have a big house or a luxury car? Have a big wedding or pay off your student loans? The way you answer these questions, and countless others, is a glimpse into your money mindset. Your money mindset is your belief system about money that you have developed, consciously and unconsciously, throughout your…
Read MoreThe Investment Most People Overlook
What’s your most valuable asset? I’ll wait right here while you think about it. Did you think of a 401K account? Your house’s value? These are important, sure. But I would argue that the most valuable asset you have is YOU. You generate income. You decided how to spend and invest that income. You write…
Read MoreIs Being Too Nice Breaking Your Budget?
What if your friend knew that the baby gift had to go on the ever growing credit card balance? That you couldn’t sleep last night, stressed about how you are going to replace your laptop that is on the fritz? What if your friends and family (or even the cable sales man) knew your TRUE…
Read MoreHow To Budget With A Variable Income
When you really break down a budget it consists of two two main components: Expenses and income. If you are on a variable income it can feel impossible to budget because one of the main components of your budget is a big-ol’ guess. Managing your money with a variable income is harder than a fixed…
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