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Reyna Gomez

7 signs that will make you THISCLOSE to being good with money!

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You’d love to be good with money and be less stressed, but it feels too far out of reach. I’m going to go out on a limb here and say that you’re probably much closer than you think. These signs may seem trivial, but they are real indicators that you’re on the right path.
7 signs that you’re THISCLOSE to being good with money:
1.    You open the mail
I’m not kidding. If you open the mail and look at the documents inside the envelope (or inbox), it means that you’re willing to see the truth of your financial situation, even if it isn’t pretty. You dare to look at your bank statements and credit card bills when others never let them see the light of day.
2.    You’ve disputed a charge on your credit card
This means that you look through your credit card statement to see that the charges look familiar. When something looks fishy, you pick up the phone and get to the bottom of it. You are an advocate for your hard-earned money.
3.    You’ve stopped saying “I can’t afford that”
No phrase in the English language has likely been uttered more often, but it’s not coming from you, at least not anymore. Somewhere along the way you became conscious of the power of your words and thoughts, and sensed that you could be creating a self-fulfilling prophecy by speaking this way.
4.    You feel comfortable talking about money with at least one person
Most of us were taught that talking about money was wrong, and many of us carry shame about our finances. But if you have been able to break out of that conditioning and can share your financial thoughts, feelings, and goals with even one person (even if it’s a person you’re married to) then you’re headed in the right direction.
5.    You really want to know where all your money has gone
Plenty of us wonder “where the heck did all my money go?!” You’ve tried to figure out the answer. Tracking your expenses can be complicated these days with so many different payment methods, so it’s understandable if you were unable to solve the mystery. The important thing is that you genuinely want to know.
6.    You have a savings account
Doesn’t mean there’s much or any thing in there, and you’d like to know how to put more money in it, but for now, at least you have one.
7.    You don’t believe that people with money are all greedy, selfish, or otherwise bad
You understand that money is neutral; it’s energy, a form of exchanging value, there’s nothing inherently evil about money. People can exhibit greedy or selfish behavior in the name of money, but money itself isn’t the bad guy.
So are you closer than you suspected? If you’re ready to be good with money, and just need some structure and support, check out our brand new Financially Fit Makeover program. You can do it! You’re. So. Close.

The Consumer Financial Protection Bureau surveyed us Americans, and the results are pretty sucky.

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Here’s why –
Despite having “recovered” from the Great Recession (can you believe that happened a decade ago?!); and…
despite having the highest median income in history (~$58,000 a year); and…
despite impressive gains in the economy; and…
despite economists saying that we’re coming up on “full employment” (meaning that the unemployment rate is as low as can be expected) —
a report released last week tells a sad tale of our financial well-being.
A heartbreaking number of Americans are financially fragile.
43% of Americans are having a tough time making ends meet.
More than 1/3 of us face serious material hardships, like struggling to pay for groceries or necessary medical treatment.
Even 20% of people in the AVERAGE range for financial well-being, report occasional difficulty with paying for basics like food.
These numbers make me wanna cry!
This should NOT be happening.
It doesn’t make sense, but here we are.
This is not good news, but if I’m being totally honest, it isn’t news to me.
On the whole, we’re a financial mess, too embarrassed to acknowledge it, unless it’s an anonymous survey.
Way too many of us, even with decent jobs and solid incomes, are financially insecure.
The reasons are plenty, and some are political, so I’ll spare you the rant (as much as I love talking politics!)
The more important conversation is about what to do now.
I can’t believe I’m about to quote Dr. Phil right now, but he kinda says it best: “you can’t change what you don’t acknowledge.”
Sidebar confession: I recently went to a taping of the Dr. Phil show. I was doing a friend a favor. Really. But it was fun! And I guess we got a split second of screen time. OK – I’ve acknowledged it. Can we never speak of this again?! Thanks.
So we start by telling the truth. Once enough of us acknowledge it to ourselves and to each other, we’ll be brave enough to ask for help.
Then The survey doesn’t give us any fixes to this problem, but it implies that financial knowledge and emergency savings are major part of the answer.
It’s all about taking care of your money daily, saving monthly, and budgeting annually.
Of course, that’s what we’re all about.
And very, very soon we’ll unveil our entirely revamped program – it’s the same curriculum but at a slower pace, with more guidance and one-on-one attention.
I’m busting at the seams I’m so excited about this!
I think you’re gonna love it.
So watch your inbox. You do NOT want to miss this.
In the meantime, I’m really curious what you think of the survey. Will you share your thoughts in the comments? And if you’re up for it, share what you’re ready to acknowledge and fix.

Is paying bills on time hard? Do these 5 steps to make it happen.

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Here’s something you already kinda knew:

Paying your bills late is the financial equivalent of a daily doughnut habit when you’re trying to lose weight; a recipe for disaster.

It seems as easy to say “eat kale, not doughnuts” as it does to say “pay your bills on time,” but you know the saying… some things are easier said than done.

Still, we know it’s important to pay our bills on time. We want to avoid late fees, penalties, interest, a drop in our credit score and the loss of sleep and sanity. Plus, who wants to feel like they suck at adulting? Who is proud of themselves when they get an ‘overdue’ notice? Not me. And I don’t think it’s you either.
So let’s get to it. Here are the 5 steps to paying bills on time:
Step 1: Have enough money
Most of us immediately go to figuring out how to make more money, but the smarter place to start is by cutting out the spending fat. If you can reduce the number of bills or the size of the bills you have, you’ll go a long way towards knowing that you’ll be able to pay your bills when they’re due.

Ask yourself if you really need or value each product or service you’re paying for. If the answer is yes, ask yourself if you need as much of it as you’re currently getting/using. Think deeply about this with your highest personal values and priorities in mind.

Step 2: Align the day(s) that your bills are due
Instead of being a constant bill paying machine throughout the month, you can pay all your bills on the same one or two days a month by changing your bills’ due dates to line up with a ‘bill pay date’ that you pre-select. It’s a little bit of work up front but the payoff cannot be understated. For me, my ‘bill pay date’ is the 1st of the month and the ‘bill due date’ for each bill falls somewhere between the 7th and 10th. This way I pay all my bills once a month, and they’re always paid on time.
Step 3: Get a hard (paper) copy of each bill
I’m all about being environmentally and tech savvy, but there’s something about having my bills in paper that organizes me like nothing else. I’ve never missed a bill that I got in the mail (knock on wood). If I had a printer (little known fact about me, I don’t own one because I feel like they
always break down on me), I could print them out. I would worry though that a bill would get buried under a hundred other emails and overlooked though. Whatever method works for you, get a hard copy of each bill.
Step 4: Collect your mail on a schedule
Pick two days of the week to grab your mail, ideally when you have the time and energy to sort through each piece and deal with any issues you find (about 5 mins). Collect your bills in a single folder until it’s time to pay them . Quick tip: actually look at the bill, the amount owed and check for any mistakes.
Step 5: Keep a list of bills
As you sit down to pay bills, review a complete list of all your bills. That way, if a bill got lost on its way to your mailbox or is stuck in your inbox, you’ll remember to go looking for it. Unfortunately, you’re still responsible for paying a bill on time even if it gets lost en route to you. It’s an easy way to create safety net, well worth the 5 minutes it’ll take you to make the list.
Lastly, let me point something out to you that’s not on this list: automatic withdrawals from your checking account. They’re often a booby trap if you’re not definitively financially fit. We recommend paying via online bill pay or using good ole fashion checks.
Happy (timely) bill paying!
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