Summer can be wonderful. It can also be sneaky. A trip here. A wedding there. Kids or grandkids out of school. Graduations. Meals out. Camps. Gas. Hotels. Ice cream cones. The “oh, let’s just do it” moments that seem small until the credit card bill arrives. And then what started as fun can turn into...

The Conversation No One Else is Having About Money There’s a money conversation most of us never had growing up, and if we’re honest, many of us still haven’t had it. Even now, in the second half of life, so many women I work with tell me the same thing: “I’ve worked hard my whole...

As the calendar turns and we approach a new year, it’s the perfect time to reflect, regroup, and refocus. Preparing for the new year isn’t just about setting resolutions; it’s about honoring where you’ve been, understanding where you are, and creating a clear vision for where you want to go. Let’s walk through this journey...

Introduction: There’s a moment, just before the holidays start, when you stop to take a deep breath. It’s early November, and the stores are already filled with holiday music, commercials nudging us about what we’re “supposed” to do.  You might find yourself wondering, Is this what the holidays are truly about? For many people, the...

I’ve done hundreds and hundreds of spending plans with clients over the last 35 years, and when we got to the Clothing category, there was almost always hesitation.   When I probed further, I found several reasons why they wanted to skip this category. Regardless of the stated reason they wanted to skip this category, there...

Boy, did I have a fabulous weekend! After a long winter of dark, rainy days, the sun came out!!! It was thrilling, so my husband John and I headed to the park for a walk along the river. We were not alone. Everywhere we looked, life was stirring. We saw families on the beach, dogs...

In the world of personal finance, we often hear about the importance of budgeting. However, at the core of true financial well-being lies a more holistic approach: the ‘Do No Harm’ spending plan. At the core of a good relationship with money is making sure your needs come first. Think of it as setting up...

It’s Karen McCall here, and I am absolutely delighted to kick off our brand-new MoneyGrit.® blog! We’re all about fostering a vibrant community and providing you with top-notch information to help you thrive in your financial journey. Get ready for a wealth of insights, tools, and inspiration that will truly make a difference in your...