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Monica Wales
Feb 20, 20243 min read
Debt for Wealth: A Financial Coach's Insight
Leverage. I’ve heard this word used in reference to using debt “as a tool” to grow a business or to build wealth. It’s a fancy word for...
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Monica Wales
Dec 18, 20232 min read
Unwrapping Financial Good News
I recently attended a worship service with a friend of mine. The theme of the sermon was “When you have good news, share it.” This was a...
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Monica Wales
Jun 21, 20232 min read
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, 20232 min read
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, 20231 min read
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, 20231 min read
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, 20232 min read
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, 20232 min read
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, 20231 min read
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, 20232 min read
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, 20231 min read
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, 20232 min read
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, 20232 min read
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, 20232 min read
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, 20232 min read
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, 20232 min read
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, 20232 min read
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, 20233 min read
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, 20231 min read
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, 20232 min read
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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