It took a long time to motivate me to really implement a “system” for my personal finances. I watched my spending in a general sense but I was not nearly as involved as I should have been. Now, I can tell you exactly where my money goes.

I love talking to people about money. Reports & budgets & planning strategy are so fun. I think it’s really interesting & exciting to figure out just the right way to organize a system for saving & spending & just how differently that shakes for the individual needs of the client.

If you've ever found yourself wondering what tools WE use to track our own personal finances, this is your lucky day! We've compiled a list of tools & apps that we love to help track your spending, pay down debt, teach your kids about money & just generally make your financial life easier:

Whether it’s mortgage, a car note, credit card debt, a student loan, or all of the above, pretty much every adult has some level of debt. Debt has a negative connotation, but it can be a useful tool when used responsibly. The question becomes: what is a reasonable amount of debt? At what point should I be concerned that my debt has gotten beyond my means to manage it?

In part one, we discussed establishing healthy financial patterns when you are sharing expenses with a partner. Because the flip side of that healthy dynamic can be absolutely devastating, we felt it was equally important to point out some financial red flags.

Picture it: You’re in a hospital room where your beloved partner lies in a coma. As the monitors beep in the background, you lean in & whisper ”hey, what's the login for the credit card?”