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5 Simple Steps To Making New Year’s Resolutions That Inspire Success

HAPPY NEW YEAR!

As we close out 2018, I’d like to ask you a question: What does the New Year mean to you? For many, the New Year represents a fresh start – a chance to hit the reset button, start something new, or maybe do something better. Some folks call this making New Year’s Resolutions. Others call it setting goals. Unfortunately, whether it is a goal or resolution, most are forgotten before February 1.

How To Succeed And Stick To Your New Year’s Resolutions

Do you really want a different outcome in 2019? Then, guess what – you have to do things differently! Here are 5 simple steps you can take today to keep your New Year’s Resolutions and achieve your goals. Popular categories for New Year’s Resolutions are to improve health, finances and relationships. That is why gym memberships, and subscriptions to finance and relationship sites soar in January!

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January 1, 2019 Leave a commentattain goals, CERTIFIED FINANCIAL PLANNER, Certified Money Coach, family and money, financial planning, financial wellness, get out of debt, money conversation, Money Tips, new years resolutionsBy Therese Nicklas

Creating that journal of financial attitude of gratitude

5 Easy Steps To Create An Attitude Of Gratitude

How To Create An Attitude Of Gratitude

Does it matter?

As I turn the corner from summer to autumn, I am gently guided toward the holiday season. My favorite holiday of the year is Thanksgiving, and just thinking about it gives me goosebumps! Preparing the Thanksgiving feast creates a flood of wonderful feelings and memories. There is something truly magical about celebrating a holiday dedicated to giving thanks. So, why not create an attitude of gratitude and enjoy the positive feeling it brings every day? Do we forget, or is it just easier to just to be negative?

A Grateful Heart Is A Healthy Heart

In a recent “Psychology Today” article, Author Amy Morin points out showing gratitude and acknowledging the good things in your life improves your relationships, physical and mental health, self-esteem and resilience. Studies show folks with a positive, grateful attitude have lower blood pressure, sleep better and are less likely to develop addictions to drugs or alcohol than their negative thinking counterparts. By far, the benefits of showing gratitude far outweigh the effort it takes to stay positive.

It is so easy today to get caught up in negativity. We are bombarded with it through so many forms of media 24/7. So how do we tune it out? Here are a few tips to help you tune out the negative noise and change the dial to the positive channel.

To Feel Grateful Is To Feel Positive

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October 28, 2018 Leave a commentfamily and money, financial wellness, money conversation, Money TipsBy Therese Nicklas

Remembering September 11 2001

Today marks the 17th anniversary of the day our country experienced the worst terrorist attack in our nation’s history. September 11 2001. It is one of those days where the experience never leaves you. Many say they remember every detail of where they were and what they were doing when they heard the news. President…

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September 11, 2018 Leave a commentestate planning, September 11By Therese Nicklas

7 Ways To Save Money On Your Next Vacation

Get Out And Enjoy The Last Few Drops Of Summer! In the Boston, Massachusetts area summers are short and winters too long. There is still time left for a little summer self-care. Unplug your phone, recharge your mind and take in a change of scenery. A break from your routine can help you return renewed, refreshed…

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August 27, 2018 Leave a commentattain goals, Certified Money Coach, family and money, financial advisor, financial wellness, Lifestyle, Money Tips, save money on travel, travel tipsBy Therese Nicklas

How Would You Handle This Debt Problem?

Do you know anyone with a debt problem? A colleague presented the following case regarding a young couple with a debt problem to me and asked for my input. Since debt problems come up frequently, especially with younger clients, I thought sharing their story might help someone else in a similar situation.

The Debt Problem

“I have a couple, married a year ago with a baby. She has a school loan of $80,000 and he brought in $40,000 in credit card debt. All savings of $20,000 has been depleted by baby in hospital. They both have jobs, paying a total of $75,000 and trying to get second jobs. Suggestions? I’ve never run into this sort of debt problem before in clients. Thanks!”

The family dynamics in this case are pretty intense. Having a baby has its own level of stress, both emotionally and financially. When you compound it with a budget already strained by debt, I can only imagine what else is going on. I am going to walk you through my process and as I do, please think about how you would advise this couple. If this was your son or daughter (and your grandchild) how would you want them guided? Unfortunately, having a debt problem is common. Before I can dive into “advice mode”, I need to do a little digging.

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August 22, 2018 Leave a commentattain goals, CERTIFIED FINANCIAL PLANNER, Certified Money Coach, family and money, financial advisor, financial planning, Financial Tips for Millennials, financial wellness, get out of debt, money conversation, Money TipsBy Therese Nicklas