finances

Money Stress?!?! Where do I start??????

Money Stress?!?! Where do I start??????
Do you have a goals to make the second half of your life fun and adventurous?!?!
Yet you struggle with how to afford to retire and have time and the money to make these dreams come true?

Once we enter midlife, we need a renewed plan. It's time to be very clear about your top priorities and create a plan so you have the financial and physical fitness to make these dreams come true, It's never too late to live your best life!

So, Where do you start?

Begin with managing your money, start with knowing how much money you bring in and what money goes out. Then create a plan for where it's going to go.

Look at these two areas 1)TRACKING YOUR MONEY and 2) DECIDING ON YOUR PLANS

Creating a tracking system for personal finances is essential for anyone looking to budget and manage their money effectively. Fortunately, there are quite a few user-friendly options available, even for those who may not consider themselves tech-savvy. One popular option is the free mobile app, Mint.

Mint is an intuitive app that allows you to connect your bank accounts and credit cards so that you can see all of your transactions in one place. Categories, such as "groceries," "gas," "utilities," and "shopping," are automatically assigned to each transaction, so you can see where your money is going without having to manually input every purchase.

Additionally, Mint allows you to set budgets for each category and will send alerts when you're near or have exceeded your budget. The app also provides a summary of your monthly spending and tracks your net worth over time.

If you find you are not able to fund your dreams, consider a home business.
There are many fun and creative ways to create income with sharing what you already know and love.
If being self-employed is part of your plan, consider QuickBooks for tracking your income.

QuickBooks is a user-friendly option great for someone self-employed. This software is designed specifically for freelancers and small business owners and can be accessed through both a mobile app and desktop website. QuickBooks Self-Employed allows you to track your income and expenses, separate business and personal transactions, and categorize expenses based on Schedule C tax categories.

The app also allows for easy invoicing and tracks mileage for business-related trips. It's ideal for individuals who want to get a better handle on their finances without having to be an accounting expert.

Both of these options work on a phone and laptop, making it easy to track your finances on the go. Ultimately, the best system for you will depend on your personal preferences and needs. It's worth taking the time to research and test out different options to find the one that works best for you.

After you set up your tracking system, it's time to make your plan! 
 
If you need help scheduling in your daily or weekly time to work on your finances, let's chat!

For YEARS I Constantly Worried . . .

 
What would happen if I needed to take over the finances for our family? 

I worried if my body would be able to keep up with the physical demands of my work? 

What would be my plan B be if life took a different turn? 

How would my family and I make it??

As a New England girl who had been living in Southern California for 30 plus years, I never lost my love for keeping it natural. I love good healthy food and being active, like running and hiking  in the great outdoors!! 

I married and soon we had two kids. I have worked as a body-worker for over 30 years despite my 4 total shoulder dislocations and other sports injures. Each day felt like a struggle, physically and mentally just to keep up and manage all the things I really wanted to do. Each day I worked, my back and shoulders would ache and I would need to do a lot of self-care to manage my pain. Practicing bodywork for all these years takes its toll, combined with the joys of being a mature woman; I was ready for my life to be Easier & More Fun!

BUT instead, life got more complicated. I remember the day I receive the call from my doctor and he said those word. “You have skin cancer”.This was after I was told for over 10 years by my doctors, that it was "just eczema." Once I decided to find out for sure if it was eczema, It took me a year of being diligent with the various cortisone creams. When one cream did not work the doctors would give me a stronger one. Luckily, I am now FREE from Cancer! And, I knew I never wanted to hear those words again.

As I aged and the hormonal shifts began to occur, I experienced those lovely side effects like poor sleep, lower energy and lack of focus Now I have alot I plan on doing in the second half of my life and I was determind to find ways to keep my body, pain-free, energized and active! 

After all my fear of missing out was at risk!!

I started on the road to becoming a label reader and took full responsiblity for my health.  I researched and discovered that many of the products that we use in and on our body actually included ingredience that are linked to poor health conditions and disease. So, for the goal of prevention,I started using the best quality food, supplements and products I could find.  These natural products and healthy habits I developed have been proven to keep me physically, mentally and emotionally well. 

So today, I have mental clarity, physical agility and motivation. At 55 years old I am running races, hiking in places like Alaska and having fun with my friends and family!! 

I no longer worry, instead I am excited about creating an adventuous and fullfilling life! I am passionate about sharing hope with other women who are looking to feel fit, fabolus and focused during their empty nester years. I want other women to know, if you want to keep working and be active, you can!! And if your family members need you by their side, you can take time supporting them and be financially OK TOO, there is HOPE! 

If you would like to stay on track with a healthy lifestyle so you too can enjoy being active and hopeful, come join our free community!!! We would love to have you join us!!






Diane Mercina

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