because I’ve already pushed it. Okay. So we’re down on this one, but I just have to go back up for the extra spending. Let me just take that real quick. Sorry. No, just bring it down. Okay.

📍 We’ve got some more lessons from the sessions. We love coaching our clients. We love their stories. We love their journey. We love helping them where they’re at and helping them see a different, better, a way that they wouldn’t maybe have not thought about. And so anyways, what we do in these lessons from the sessions is bring their situation there, that hot topic from that session.

We bring it to you guys and walk you through it. Yeah. So you’re getting our coaching. And honestly, a lot of things are themes or they’re repeated. So it’s perfect because it’s going to apply to you and you’re going to, you’re going to be able to take it and apply it to your budget, your spending, your whatever.

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.  The first one I wanted to talk about is, my client came and she’s doing it on her lunch break, so she comes in her car, and funnily enough I was doing it on my gymnastics break, so I was doing it in my car.

Everyone’s in their car in the summer. In the summer, exactly. We’re in our summer era, guys, okay? Oh my gosh. Anyway, so she’s, I asked her how she was, and she’s I had extra spending and I feel really bad or whatever she said. And I’m like, okay, that’s all right. We’re going to, put the numbers in there and we’ll figure it out, and I just hate it when they feel heavy when they come in sometimes they do.

And so then we we put the extra spending in her budget and it ended up being a 36 backpack for her son for school to go back 130 book for her school, cause she’s in school as well. And. They had a trip planned that they were going to go stay on her partner’s boat. I was really confused about this.

Like a houseboat, I think, or somewhere they had friends or something, and they weren’t going to cost anything. But then A storm happened or something. So then they ended up not being able to, there was going to be, they were going to bring food and everything. But anyway, they ended up having to not do that because of something.

And so she had to pay 200 220 for an entire trip is what she ended up coming out of pocket, like a weekend trip, and so we were putting this in the budget and I said, okay, so first of all, we already had back to school in the budget. Yeah. was only 50 bucks because it was just supposed to be for our son.

Yeah. And the book for your school, whatever. I said, why are textbooks so expensive? God bless it. College books or whatever. And then the trip. And so I said, we want to get, first of all, this is not bad spending. Like you should not feel bad. This is very regular and very minimal. Like your whole extra spending for the whole month was like, 500 or less, but it was all necessary, not necessary, but it wasn’t like you’re going wild or crazy.

And and I told her don’t feel bad about this. What we ha she’s just right now, got a new job, had to leave her old job. And there’s just, there’s a case about that. There’s a lot of stuff going on right now. So her budget is very tight, right? And we have to just get through this season.

This is not stuff that you should feel bad about. You should be. It’s not like you went somewhere and blew a thousand dollars somewhere. I said this is very normal stuff that should be in your budget anyway. The only reason it feels whatever is because of the season you’re in right now, which will be over in a couple months.

And you’ll be fine. But I just wanted to put that out there because a lot of times you guys are putting so much pressure on yourself. You’re feeling so bad because of all the extra spending I did, which was, my kids needed knee pads or my kid, basically my kids, yeah. Or, the grocery bill is just up more than you.

And it’s not anything that you should feel bad about. What you need to do is get organized and get a system so you can feel better. So you have a plan so that when these things come up, you don’t have to wonder where it’s going, but usually it’s not because you’re, go doing the pretty woman walk on Rodeo Drive or whatever, just spending and fun, That’s usually not the reason.

Yeah. And I just wanted to put that out there to you guys. Understand that you’re just trying to do life and you should not feel bad about it. You should get organized so you don’t, so it makes sense. And you know where money is coming from, but don’t feel bad. Yeah. And a lot of times this is why we recommend you put some type of buffer or miscellaneous or whatever, especially at the beginning.

And even in these seasons when things are a little more convoluted than normal, just so if the, these books that you totally forgot you had to buy and backpacks come up, you feel good about it. But I have clients that come and one lady was like, Oh my gosh, I felt so bad. We went 50 over our grocery budget.

And Okay. Oh, no. Yes. Oh, darn. I can’t believe you did that. That’s terrible. And I was like, wait, that’s okay. It’s fine. Like we are still trying to figure out the right amount of money for your grocery budget. This is a trial and error situation. And so yeah, don’t do not feel all that pressure to be 100 percent perfect.

We are not. None of us are perfect. None of my budgets go perfectly every single month. It is okay. And we’ve been doing this for years. So don’t worry about it. You’re going to make it. It’s good. And then the final thing was this, you will have that much money in your spending category soon because you should be able, these were all regular things to spend money on.

There, a weekend getaway for 220 is not bad. It should all, it will all be in there and you’ll be able to feel good. And, but that’s the point. That’s why you got to get organized. You got to get on a plan and a system and then you can get to that Yeah, for sure. So my first client, they received a check in, like a bonus. And I’ve been telling her to, hey, go to the bank and write the check. Put the extra money on debt. And they didn’t, right? They apparently need to go in person to make the payment. They’re old school. They have a small, they live in a small country town, small bank, etc.

And they needed to go in person to make this payment. So they’re both busy. They have a babysitter for their daughter because they’re both working full time. So really this nine to five job that they’re in, Hey, guess what? Time the banks are open. I know nine to five kind of rude. If that’s right. Yeah, exactly.

Nowadays. So it was really hard for them to go to the bank. The money throughout the month just dwindled away. Yeah, it just I never heard of that. So when you guys tell us, do we make the debt payment, the extra debt payment on debt, like now immediately on payday, or do I wait till the end of the month?

The answer is never going to be to wait till the end of the month ever. You’re never going to hear us say that. And here’s why, because the money was in the deck they call it their deck card or deck account. It’s going to be called your bills account, right? So the money is in the bills account.

They. Had that bills account attached to all kinds of things online. It was still attached to, I think their grocery account cause they do online ordering. It was still attached to Amazon. It was still attached to PayPal. It was still attached to Venmo. The thing was everywhere. So it just got spent.

So before my session with her, she actually, and I was so proud of her. Cause I was, I didn’t actually think the money was going to be there. So she actually went back and accounted for every single transaction that she made in that account that was not supposed to be there, which guys, that’s not the point.

This is not the point of this, right? We tell you not to track your expenses for this reason. Okay. So she went back. She tracked all of her expenses, pulled it from where it was supposed to be pulled from groceries, pocket money, from her savings buckets and all that, got it all situated. So she actually did, by the time of our session, had the full amount that was supposed to go towards debt, which guys, I’m not going to lie, I love her so much.

I didn’t think that was going to happen because it’s a lot like when you spend throughout the month freely like that, because you know the money is in there, it just disappears. And but she did, she went back and tracked it. So at the end of the month, she finally made the debt payment. But guys, that was a lot of work.

There was so much extra work for her that didn’t have to happen. I felt bad for her. Yeah. And that, I don’t want to skip right through it, but that’s exactly what my next lesson was about. Because really what it comes down to is you’ve got to get stuff out. The ability to spend from your bills and debt account completely gone.

You cannot spend from there. You should not be able to spend at all. All spending should come from other accounts. And that what you just talked about going back and tracking. So that’s what happened. My client came in and you can always just tell how they’re feeling immediately the second you get on.

And I was excited because I, we look at your recaps right before you come to the session. And I remember, and this is like second month in a row or third month. They didn’t have anything to do. Cause we do it. No homework. No homework. Yeah. That was so good. And so I was just, I was like, girl, we need to talk about you graduating or going to once a month or whatever.

And she’s Oh no. Okay. So she, they were doing good. And they’ve been paying off, they’ve been paying off debt. And we went through her asset tracker where we listed, where they, all their savings buckets. I’m like, look at all these thousands of dollars you’ve got set aside for all this different stuff.

Like I’m feeling good. And then it’s okay. So what had happened was for some reason, her restaurant card got messed up. It’s a debit card for the restaurant. And this is gonna, you’re gonna love this so much. And it wasn’t working. So when they went to eat out, instead they used Apple Pay, which guess what that was linked to?

Oh, their bills account? Their bills account. And I thought that’s so interesting. My choice would have been to transfer from the restaurants to my personal spending account and then make the restaurant purchase if for some reason it wasn’t working. But the other obvious choice they decided to go with was to use the apple card.

And as you were just saying about being busy, they, she works, he works, whatever. They didn’t have time to figure out why this wasn’t working or whatever. So they did it a couple of times. And so And then they, she said I went back to try to figure out and then I transferred to the wrong account.

And then I did. And then I just, and then, and I was like, Oh, this sounds terrible. I don’t like any of the things that you’re saying with your mouth. And so anyway, so she was doing manual transfers, trying to figure it out, which I didn’t. Again, it shouldn’t. That’s so much more work. It should, you should never have to do that.

That’s the point. You should never have to do a manual transfer pretty much at all. There’s a couple of times where that would obviously apply, but for the most part, you should never have to do that. And she lost track of it and her budget got confusing and just whatever. It was a mess. Yeah.

And what the thing, and the other thing is do you know, do they ever, like they, you think you’re going to remember when I did this transfer? Like I’m going to remember what that was or how that was or whatever. So anyway, the solution is like Vanessa said already, nothing can come out of the bills account.

Get rid of all of those things. That’s the first solution.

 the second solution is all transfers are automatic. Do not make yourself do a manually, even if it’s. The right transfer, they should always set up automatically. The more you touch it, the more you’re going to mess it up. Third point is put the memo on your transfer.

Do not rely on your brain to remember. That’s a joke. I don’t remember like what I did five minutes ago. It’s a good thing. I have a podcast to remind me some memories but. Do not rely on your brain. Use trans use the transfer. They have a note section memo section usually on every time you do a transfer that you can put it in there.

So that way you can remember the next time. Or when you go to see it you’ll know, and you can set those up even for your automatic ones if you need to, but either way, no manual transfers. As few of those ever as possible. No spending out of the bills account ever. And then if you have to make a manual transfer because you don’t love us, make sure you use the memo to be able to know what it was later.

And if your bank doesn’t have that option, request it. Get a new bank. Yeah, that too. But request it. And so that way you know exactly what’s happening and why. Okay, so when you were talking about they went back to use Apple Pay. This is where my brain went. It went to resetting an app. So you know, think of, you have, I don’t know, I’m just saying, let’s just pick one.

Facebook or whatever. App on your phone. And then it, has updates. So it’s constantly updating to the newer version of it. And then what if you went in your phone and deleted it out and, or you went back to the what is it? The installed version or the original default version of what came with your phone.

I feel like that’s what happens in some people’s brains when they default back to like their normal ways. I used to use Apple Pay all the time. Here, let me just do that. And that’s what they do. They just default back to what was happening or what they were doing before they learned this new system.

And so don’t do that. We want to stay improved. And then while you were talking, my brain did too. I’m not kidding at all. That’s why there’s two of us and you get a whole, one whole podcast out of it. But the part of it is Apple Pay is confusing. Like it’s not super, it’s harder than one step.

Let me put it that way. So to go in and find it under settings under your name and then go to the card, like deleting it or updating, I think it’s harder. It’s five steps instead of one. So do they do that on purpose? Oh, I was just going to say that. I don’t know. Maybe not. Just like the bank not being able to make a debt payment unless you go in person.

That’s bananas. And I want to say they aren’t doing that on purpose, but I don’t believe that. I think that if making payments on debt, if we can make that harder, then guess what we get more of? Even if it’s not on purpose, it’s definitely still true. They get more interest. We, what we want to know, and then when Vanessa was saying request it from the bank.

No, what we need to do actually is get a new bank, get a bank that works for us. Use things that aren’t hard to fix, like Apple Pay. Just don’t use it, first of all. But this is what you have to set these things up, these guardrails and these your bank should be working for you. You need to make it easier for you.

Yeah, for sure. And the easier that you can make it for you, guess what? The less you’re going to mess up. The less mistakes you’re going to make. All so our last contestant. All right. She’s also, she’s a business owner and she’s so sweet and I love her so much. And she’s a newer client, but she was still working out of one account.

We just got on this rampage about the bills account, but she was, and she was using the one account. She said it was taking forever for the bank to open them up. And it was like this big mess. And then she had to go in person to do that again. Maybe you have the wrong bank, but it was a mess.

And throughout the entire month, she was pulling everything out of the bills account. They had no idea what was going where and how, and then she messaged me and she said, I have all the accounts set up and this is amazing. And I said, yes, it is so nice when you know exactly how much you have for groceries, exactly how much you have for personal pocket money and so on and so forth.

And she said, the funny thing was that her husband was so excited. He was so on board. Once she explained our entire budget system and showed him, look, we are going to know exactly where our money is going all the time. We don’t have to track anything. We don’t have to watch the account or none of that.

Like literally this money is for this. This money is for that. And hey, guess what? All the money in the bills account only does bills and debt payments. He was like, I’m for it. When do we start is what he said. But the longest thing was, going to the bank again. And they a lot. And so it was hard for them to go and we have to find a solution to this, right?

Don’t we? We’ve got it coming. Don’t worry about that. Yeah. But the point being, we’ve had this happen several times. The longer you take to do that part, the longer the system’s going to take to start working and you’re not going to get the relief that has to be like, just do it. Trust us.

It’s worth the time and energy that it’s going to take to get those set up. And then you’re going to be able to sail off into the sunset, yeah. I was just gonna say, a lot of people still want to do the one system or the one account, and we’re like, it’s trust me when we say it’s not gonna work.

No. And when they finally put it all together, they put the whole thing and they set it up. It’s a game changer. Yeah. Because they’ve realized how much it like literally transformed their lives. Yeah. Don’t delay on this. Get this account set up. Yeah. As soon as possible. It’s going to allow everything else to go smoothly.

All right. We’ll talk to you next time.