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Mikelann Valterra Financial · 3d ago

How to create your very own Freedom Fund. Yummy.

In my last post, I talked about a gloriously boring savings concept called periodic savings. It was on how to handle all those stressful unexpected expenses and avoid credit card debt. Click here if you missed it. Now I want to talk about your “freedom fund”. Some call this a “safety net”. Here is t
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Mikelann Valterra Financial · 3W ago

Creating Gloriously Boring Savings (and a Money Ninja trick to pull it off)

We’ve all been told to save money. But for what? For that proverbial rainy day? (It always rains where I live, by the way. Seattle.) Can we ever touch our savings? When? I find that many people have a hard time saving because they are not sure what they are saving for, and then they [...]
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Mikelann Valterra Financial · 4W ago

You are not your credit score (But here’s how to get your number and maybe raise it)

As a money coach, I am sometimes asked about credit scores, and people are often surprised by my attitude. I feel that people worry about them too much. Credit scores (Your FICO score) tell potential creditors how good you are at borrowing money and paying it back. That’s it. So it is a bit [...]
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Mikelann Valterra Financial · 2M ago

Understand your brain: 6 tricks to help you avoid overspending

Whether you need to spend less when you go out shopping or you want to be a more conscious spender, it helps to have a few tricks under your belt. Stores spend billions on the science of getting you to part with your money. They understand how your brain works and then use this against [...]
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Mikelann Valterra Financial · 3M ago

What exactly is www.thedailythrive.org ?

TheDailyThrive.org is a private membership site for professional women. It distinguishes itself by being ad-free, hype-free, and fostering a community atmosphere for high achieving professional women. These women are tired of wandering the internet for relevant, helpful information. After all, time
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Mikelann Valterra Financial · 4M ago

Look into your 2012 Crystal Ball

A couple of Saturdays ago, I finally sat down with my magic crystal ball. I was ready to create my personal 2012 spending and income plan. I was a bit nervous this year about what I would see in the ball. I really need to convert my house to gas, or at least replace my [...]
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Mikelann Valterra Financial · 4M ago

Practice “Do No Harm” spending

It’s a new year. I know you may be struggling with a Post-Holiday Spending Hangover. But you get to start fresh. Really! So let’s start off the year with a simple, but helpful idea. It’s called Do No Harm Spending. But first, let me throw out a deep thought: You are the most important person [...]
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Mikelann Valterra Financial · 5M ago

Announcing “The Daily Thrive”

PSST! I am proud to announce that I’ve been invited to join forces with The Daily Thrive as their “Financial Therapy” expert! This is an amazing new site devoted to professional women who want more balance in their life, and they want to thrive. So I’ve been spending part of my Christmas Vacation ge
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Mikelann Valterra Financial · 5M ago

8 Step Plan to avoiding the post-holiday spending hangover

Here’s a question– Did you wake up last January with a spending hangover? You know what I mean- come January, when all the gifts are opened and the parties are over, the Visa, MasterCard, Macy’s and Nordstrom’s bills begin to arrive. Credit card use is up 7% this holiday season. And sadly, it takes
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Mikelann Valterra Financial · 6M ago

Why women find raising their fees difficult

If 2012 is the year to make more money, raising your fees could be a vital ingredient. Many people have kept their fees flat for the last few years, due to concerns about the economy. But with the impact of inflation, you can’t keep your fees the same forever. Generally speaking, you should raise yo
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