Achieving Financial Freedom: Essential Principles

For far too many people, finances are an obstacle standing in the way of one’s goals.

But done right, your finances give you the freedom to pursue your goals.  This does not necessarily mean being wealthy, but wisely managing your financial situation—whatever it may be—to achieve financial health, giving you the means and opportunity to pursue your goals.

Here are five essential principles for achieving financial freedom.

6 Steps to Setting Better Goals

After a whirlwind holiday month packed with loads of people and activities for which I’m very grateful, I found myself short on time for reading and writing. Who knew applying to public kindergarten in New York City was so complicated?! In this month’s quick-fire Fiscal Therapy, I hope you find the following tips on goal-setting helpful as you set your sights on 2017. Happy New Year!


Save Effortlessly, Not Mindlessly

Can technology help us create better saving habits? I recently read this article reviewing apps that aim “to make saving as effortless as spending.” While these tech tools can be really useful, it’s important that effortless doesn’t become mindless. How and when should you consider integrating a savings or investing app into your financial world?  Here are a few reasons why an app might help your savings efforts.

The line between effortless and mindless

I've been thinking about the line between effortless and mindless spending. Technology has allowed a great deal of our spending to become effortless which is a great convenience. However, these conveniences also enable us to spend mindlessly, reducing awareness of and control over where our money is going. The faster our shopping experiences become, the easier it is to blur the line between needs and wants.