The holidays can be stressful enough.  All that gift buying, diets being blown (or is that just me), the end of year bills, and tax season is less than a month away.  If you are like a lot of people, you've probably blown through your annual budget (if you had one set up) before Halloween and are just hanging on to every penny you have left, waiting for the end of the year bonus (if you have one coming).

But I'm here to tell you that it doesn't have to be that way. I've helped people just like you and I to figure out their personal budgets, set goals, and more importantly, I have been their conscience when it was "time to purchase" that big ticket item that hadn't been saved or budgeted for.

Most of you probably see a doctor at least once a year.  If you aren't, you should start.  If you aren’t taking care of yourself emotionally you should start.   Here's a link to a website study that shows that mental health and money problems are intricately linked: https://www.moneyandmentalhealth.org/money-and-mental-heal…/ .

I'm not a doctor, a psychiatrist, or even a therapist (I leave that to my daughter), but if you take care of yourself physically, shouldn't it be time to take care of yourself financially to reduce the extra unnecessary stress and anxiety?  I know that once I got my personal finances under control, my anxiety levels dropped from level 99 to about a level 40.

The first step in my Financial Intelligence, The Everyday Person's Six Week Guide to Financial Independence program is to analyze your personal budget.  How much do you expect or plan to make in the coming year? What are your mandatory bills? What are your living expenses, and how much do you want to budget to these items? What about taking that summer vacation? How much would you like to set aside in savings or retirement accounts for your long-term financial health?  The truth is that 75% of people could not financially handle an emergency bill of $400.00 or more. 

If you haven't already, complete the form below to receive your Personal Budget Template.  It’ll come directly to your email.  This is your first step to gaining control. 

If you have already downloaded the template, keep reading.

My business and life coaches always tell me that taking the first step and the first action is not only the most difficult, but also the most important. If you have downloaded the template, and would like to see this template in action, and set up for a real life client (names and occupations hidden of course) with real life income and expense numbers, just send me an email and tell me how your budget is working out for you, and that you would like to see the template in action. I'll personally send it to you for free so that you can use our example as your own personal guideline.

Let's face it, everyone has stress in their life. As difficult as it may seem, you can take control of your finances. I've done it. I've helped others do it. And trust me, I'm much happier and sleep better at night with my stress level 40 than at stress level 99.  Isn’t it time to start taking care of yourself?