MoneyDoula

Love this question! What does it cost to be you?
YNAB can help you answer that.
I can help you with YNAB.

What does it cost to be you? 🤔⁠ ⁠ Your expenses go way beyond your monthly bills. When setting up your YNAB money plan, be sure to also include categories for:⁠ ⁠ ➡️ Other monthly expenses⁠ ➡️ Non-monthly bills⁠ ➡️ Unexpected & emergency expenses⁠ ➡️ Savings goals⁠ ➡️ Debt & credit cards⁠ ➡️ Quality of life expenses⁠ ➡️ Fun money⁠ ⁠ The key is to only assign money that you currently have (not future money) to your categories in YNAB. 💵⁠ ⁠ When you do this, you don't have to second guess any of your spending decisions because you have a clear picture over what your money is doing for you. 🙌⁠ ⁠ 🔗 Tap the link in our bio to try YNAB free for a month and ditch the spending guilt!⁠ ⁠ #YNAB #MoneyTips #PersonalFinance #Stress

My top 5 Awesome Halloween Costume Ideas
ZERO SPEND
LAST MINUTE
LOOOOW EFFORT

1. Ghost.
More specifically Charlie Brown as a ghost. (IYKYK)
- it's just a sheet. Cut two holes for eyes. They won't be in the right spot. Cut two more holes for eyes. They also won't be in the right spot... just keep going. I did this one year when I was sick AND the party was at my house.

2. Stereotypical Witch
- I only store a hat. Layer up some type of flowy black clothing you already have. Black eyeliner pencil for whatever. lips, moles, cauldron soot smears...

3. Your hobby
- One year I put on running clothes, an old race bib & pool shoes, with a pair of sneakers hanging around my neck. Comfortable, ok to look totally ragged. (I mean, you just ran a marathon! You're amazing!) - Other hobbies that = You + an accessory you love: Book lover (literally walk around reading a book.) Knitting, Sketch pad, Yoga mat, headphones & a gaming controller, scuba gear, hiking backpack, musical instrument, vase of cut or paper flowers you handout...

4. Your job
- Several years I walked around as a Flamenco Dancer. That was my job & I hadn't thought of anything else. So just like dressing for a gig. One dress I had was light blue with white ruffles so I skipped the makeup & grabbed boots and a walking stick. Little Bo Peep!
- A suit. When I worked in finance and as a doula at the same time. Guess which "co-workers" I hung out with.
- You might have a uniform, Apron, Logo polo (old job maybe), scrubs, WFH Zoom uniform (Business on the top, cozy on the bottom), Carry-on bag... Repeat after me: I am not at work. I am not at work. I am not at work.

5. Pajamas/robe/hair wet or in a towel or as-is
- Whatever is super comfy, easy, & you wouldn't normally get to wear out of the house.

BONUS: other holidays' decor
Key here is that you have around & accessible. Santa hat & a string of lights. Holi powder paint. Stars & stripes. Valentine hearts. Mardi gras beads. Noise maker, sparkles, new year's year classes from one or more years ago that are still right there because you haven't put them away because they don't have a place and you're not sure why you still have them and you can't just throw them away!

Mark this day. Today is the day they start talking about Black Friday.

At least, in my inbox & feed it was today. If you haven't seen it yet, brace yourself. (or share the sorcery that protects your kind soul!)

Earlier this month it was Prime Day(s). Like a harbinger of the onslaught of advertising we're about to face. You might think of it like a pre-test or training session. How did that one go for you?

Resistance training opportunities abound. Preview days, early black friday deals, WayDay, members only access...

To be clear, I'm not suggesting no one should buy anything every. Far from it!

I'm suggesting conscious consumerism. Mindful motivation.

Buy something because you decide to buy it and when you're ready to buy it, spending no more than you're prepared to.

The mind games will be hitting hard these next few weeks (months?). I'm suggesting paying attention to the WORDS, not just the numbers this year.

But yeah, we'll also pay attention to the numbers.

🧛💸
Beware of Vampire$

It’s Skin Cancer Awareness month and a great time to buy sunscreen again.
Check your supply, check your schedule, check your budget and make it happen.

Yes, you!!

Thanks Duolingo

It’s World Doula Week!
I ❤️ doulas 🤩

Hey you. Wanna talk?
I'm here for it. The tough stuff, the exciting stuff, the stuff of your dreams!

How is your story getting in the way by living unchecked inside that brilliant brain of yours?

Oh look! Those 2022 tax docs are starting to roll in...

Time for a plan to capture & keep them safe until their moment to shine.

Here’s mine.
Paper: straight into my trusty little accordion folder that lives on the shelf behind my desk.

E-mail: Red Star and archive to Tax Docs Inbox. (Multiple inboxes, IYKYK)

Downloads: TBD, honestly. These are the worst for me. I always end up with duplicates (triplicates) because I don't want to miss or forget anything.

What's working (or not) for you?

What Saving is not:

- Spending Less
- Getting a discount
- Transfers between accounts

What Saving is:

- A Plan for Spending it Later

Thoughts?

In case you’re thinking of or in process of a fresh start on your budget for 2023 and don’t know quite where to start…

It’s ok to just start. You can even name it like mine:
“use this one”

File under: Worlds Collide

YNAB is on live right now with Plan To Eat. I love them both.

Here, have a discount!
https://app.plantoeat.com/ref/3a12a2fdda
https://ynab.com/referral/?ref=RHbxRD0CXPOfwRw9

Referral links, because we all do better when we all do better.
Plan to eat - you get 20% off your first year, I get 20% comission.
YNAB - you and I each get 1 free month added to the end of our subscriptions.

www.youneedabudget.com