Welcome to the Five Day Budget makeover series. Over the next five days, we are going to dive into your budget and figure out what the heck is going on, and how we can help you achieve your goals. Before we start I want to cover two important things: to let you know who I am, and why I’m qualified to talk to you. Well I’m a busy mom of 2 and a business owner, so I know what it’s like to not have enough time. I also know what it’s like to not have enough money. In 2008 I started out as a financial adviser and I flipped that over to being a financial coach in 2015. Over the last ten years, I have spent countless hours working with hundreds, maybe even thousands of families by this point, learning how to manage their finances, what kind of plan is going to work for them and what is going wrong with their budget. I am the founder and creator of the Pretty Money Club and I have had the absolute honor of working with some of the most incredible women out there, helping them learn these exact same topics that you’re going to learn over the next five days.
Now I want to talk a little bit about you and who this series is meant for. This series is ultimately created for busy mom’s. So that’s not to say that if you’re a busy dad, or if you’re not a parent at all and maybe you’re not even that busy, but I want you to know that that’s who this course is designed for. This is designed for people who have tried budgeting in the past and had a hard time sticking to it for all sorts of different reasons (we are going to cover how to eliminate those for you moving forward) and people who are just busy busy busy. So that’s who this is designed for. Who it’s not designed for are people who are excel Masters and gurus at budgeting. That’s not who this course is designed for. However, if you are watching and you fall into that category, continue to follow along with us cuz you might just pick up one or two more little tips to help your system get even better. Okay now you know about me, I’ve talked about who this is for and who you might be, and I’m looking forward to learning more about you as we go along over the next five days.
One thing that I absolutely need to cover before we move forward at all is what IS a budget and what IS NOT a budget. One of the reasons many people have a hard time budgeting is because they don’t actually know what a budget is in the first place. Let’s cover that now. A budget is a plan. It is a road map for how you are going to spend your money. It is NOT an analysis of how you HAVE spent your money. Yes, we do need to do a little bit of that as we create our budget as well, (and we will be talking about that over the next few days) but a budget is looking forward. It is NOT looking backwards. Now the other thing I want to mention about what a budget is, is I want to help you if you are somebody who the word budget kind of makes you cringe. Do you feel like budgeting is restrictive, like you’re going to fail, like it all the things that you’re not allowed to do, or looking at what you’ve been doing wrong? I really want to encourage you that the word budget doesn’t have to be so negative and scary for you; however, if you are having a hard time shifting your mindset on that, please change the name. Call it a money plan, call it a success road map, call it whatever you want. I like the word budget and I know a lot of other people do, so that’s what we are going to use in this series, but you don’t have to use the same word. If this word is not inspiring to you, you have two choices: you can either get over it, or change it. In the next video, we are going to dissect exactly how we are going to create your budget, starting with step number one. See you there!