How to Build a Yes Fund for the Life You Actually Want
Not every savings goal has to be responsible. I have a dedicated spending account called my SPEND account and it is one of the best financial decisions I have made. It is money set aside specifically for the things that make life feel like the one I actually want. Here is what a Yes Fund is, why you need one, and how to build yours.
The Rich Girl Money Date: My Monthly Financial Check-In Ritual
Rich girls do not avoid their money. They date it. Every Sunday I sit down with my accounts, my trackers, and my planner and I spend intentional time with my finances. No rushing, no guilt, no dread. Just me, my numbers, and a clear picture of where I stand. Here is exactly how my money date works and how you can build your own.
Sinking Funds: The Budgeting System Nobody Taught You
Chile, let me tell you about the year I cried over a car repair. The check engine light came on in October. The mechanic told me $400 — money I had earmarked for Christmas. I sat in the parking lot afterwards and cried, because I had known the car was making a weird sound for months. I had known the holidays were coming. Sinking funds are the budgeting system nobody taught us — the one that turns 'big surprise expenses' into a non-event. Here are the 10 sinking funds every rich girl needs, the simplest setup, and how to start with just three.
The 'Would I Pay Cash For This?' Test: My Petty Little Rule for Big Purchases
I joined a vacation club. Yes, me — the same woman always preaching about not getting talked into stuff. I sat through the pitch, did the math, signed the paper. And I'm not mad about it. The only reason I'm not mad? One petty little question I now ask myself before every big purchase: would I pay cash for this, today, in twenties, out of my actual wallet? It's the rule that's saved me thousands on the no's and given me peace on the yes's.