Routes vs. Habits
How many routes do you know by heart? You get in your car, start driving and without thinking, drive directly to your destination....
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Monica Wales
- Jun 12
- 2 min
When is the last time you said...
I had to... I had no choice but to... There were no other options but to... Isn't it easier to say one of those phrases than to say "what...
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Monica Wales
- Jun 12
- 1 min
Can we normalize OR celebrate eating at home?
We spent over $800 on groceries last month for a family of TWO. 💵 I won’t tell you how much we spent in “dining out.” 💰💰💰 But the...
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Monica Wales
- Jun 12
- 1 min
Baby Step #7: Build Wealth & GIVE!
I like to call this Baby Step: Live & Give Generously~ What does this look like? Whatever your heart can dream of. ✅ It could be...
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Monica Wales
- Apr 21
- 2 min
Baby Step #6: Pay off the house EARLY!
Today we’re talking about paying off the house early because, who doesn’t want to have a paid for home? To recap, Baby Steps 4-7 can be...
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Monica Wales
- Apr 20
- 2 min
Car Poor
I’ve talked with several people over the past couple of weeks about their vehicle situation. One woman confessed that she had bought too...
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Monica Wales
- Mar 31
- 1 min
Generosity
One of the best things about being out of debt is that it allows us to be generous in our giving of time and money. I had the pleasure of...
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Monica Wales
- Mar 29
- 2 min
Fully funding an Emergency Fund
I’ve been focusing on the Baby Steps to financial freedom the past few weeks. In case I forgot to mention this, the first three...
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Monica Wales
- Mar 22
- 1 min
What is Your Money Story?
We all have a story about money. They aren’t good or bad, but they do have an impact on how we spend, save, and give this resource. My...
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Monica Wales
- Mar 20
- 2 min
Find the Gold with Baby Step #2
On this St. Patrick’s Day let’s talk about where you can find the pot of gold at the end of the rainbow. It’s the second Baby Step! Pay...
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Monica Wales
- Mar 15
- 2 min
Gambling & Risk
A friend of mine insisted we spend time at Jackpot, Nevada. As you can imagine there is more than one casino there. My intention was...
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Monica Wales
- Mar 10
- 2 min
It's a Windy Baby Step Friday!
Today in Twin Falls, Idaho, it's 48 degrees and the wind is blowing. It's only blowing 23 mph now, but it's expected to blow upwards of...
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Monica Wales
- Mar 3
- 2 min
The Foundation of the Baby Steps
I reference the #babysteps to financial freedom in many of my posts. If you’re not familiar with them, I’m going to spend the next few...
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Monica Wales
- Mar 1
- 2 min
Top 3 Reasons People Rely on Online Retail Therapy
I’ve had several conversations in the past week about spending. Not just spending money in terms of paying bills or going out to eat but...
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Monica Wales
- Feb 22
- 2 min
The Sandwich Generation
“This clever term refers to the generation (consisting of women, in most cases) being caught, or sandwiched, between kids who are...
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Monica Wales
- Feb 17
- 3 min
4 Categories to Cut or Reduce in Your Family Budget
When you’re creating a budget that will work for you and your family for the first time, it can be difficult to know what to include and...
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Monica Wales
- Feb 15
- 1 min
True or False?
"You have to HAVE money before you can MAKE money." This was how a conversation with a relative started last Saturday morning. I've heard...
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Monica Wales
- Feb 9
- 2 min
The Differences Between Therapy, Consulting and Coaching
Emily Dickinson said, "I dwell in Possibility." When my fellow coaches and I talk with people we explain the differences between therapy,...
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Monica Wales
- Feb 7
- 2 min
From No to Yes...
Saying "no" to something today so we can say "yes" to our intention. This phrase has been whirling in my mind for the past three weeks....
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Monica Wales
- Feb 3
- 1 min
What does money have to do with February?
February is one of my favorite months. Why? Because it's Valentine's Day and my birthday. This year it's also filled with a bunch of...
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