money – KJ Financial Coaching

Are You Living a Financial Groundhog Day?

Groundhog holding a $100 bill in his mouth

Are you Living a Financial Groundhog Day? This article will help you escape the rut you find yourself in financially.

Gift Giving Hangover?

Try Something Different in 2025 When you find the perfect gift for someone you love, gift giving can be pure joy. When you are pressed for time to find gifts for all of your friends and extended family members out of obligation, it can be a real chore. No matter how your holiday season giftContinueContinue reading “Gift Giving Hangover?”

Who is Holding Your Financial Safety Net?

Every weight lifter needs a spotter in case they can’t quite manage that last rep. Every mountain climber needs a safety harness and ropes in case they lose their grip. And every consumer needs a safety net in case they run into hard times like a big medical expense or a job loss. Financial expertsContinueContinue reading “Who is Holding Your Financial Safety Net?”

How I Saved $2,965 in 6 Hours

Savvy consumer tips can lead to significant savings. I offer six tips that saved me $2,965 over the past year. Taking control of your bills pays off!

Eliminate Sinking Feelings with Sinking Funds

Do you get a sinking feeling when big bills arrive? Use a sinking fund to conquer that feeling. Here’s how.

Happy Financial Literacy Month!

It’s April which means it is Financial Literacy Month! But you already knew that. We are in mid-month now and I know you have been busy decorating your house in the customary Financial Literacy Month (FLM) style. The US currency wreaths. The budget balloons. The “pin the debt on the consumer” game for the kids!ContinueContinue reading “Happy Financial Literacy Month!”

Roth IRA vs Traditional IRA

“Do the Math” Series In the financial world you can find all kinds of advice. Some people will sell you a life insurance policy as an investment. That’s like using a parachute for a tablecloth: It may work to some degree, but that’s not what a parachute is designed to do. A parachute really hasContinueContinue reading “Roth IRA vs Traditional IRA”

What is Financial Coaching?

Ever wonder what it is like to work with a financial coach? This article helps you understand the role of a financial coach.

I Need to Budget. Now What?

You know you need to budget, but starting is tough. Here are some budgeting basics to get you going.

I’m Out of Debt! Now What?

You submitted your final payment and you are out of debt. Congratulations! That is truly an accomplishment worthy of celebration. You did it! Now what? For many people, paying off debt is a mountain they had to climb. It meant sacrificing current desires to pay for money borrowed in the past. It required learning howContinueContinue reading “I’m Out of Debt! Now What?”