If you want to make 2018 be your year of financial success and financial peace, one of the most important things to do is understand your true cost of living and then work out how to direct your finances so that you can maintain your lifestyle, stay out of debt, build savings and even some passive income streams. Exciting and empowering stuff!
For over 15 years I have helped coach people out of toxic debt, in particular, credit card debt. I have seen people with $1,000 worth of debt up to someone who had over $360,000 in credit card debt, so I think I can say that I have seen many extremes.
The one formula that always works and helps get people out of debt is to do a budget with them and then work out how and when to transfer money, so that not only to they quickly start paying the debt off, but they have their cash proactively planned and prepared for all their quarterly, bi-annual and yearly expenses that always seem to pop up at the most inconvenient time. Queue feelings of self-control, pride and peace!
Essentially giving people instructions as to how and where and when to transfer their money, wipes so much stress and anxiety off their face. In fact, they start smiling a lot more. And love their new found sense of respect, responsibility and direction. Which is why doing a budget is actually empowering and exciting.
From using my one on one client coaching formula, I have turned this into an app, called Sugar Budget, so that everyone and anyone can use this app for themselves and experience their financial shift. I spend over 9 months working with the development team and have been dreaming up this app for over 3 years. So I am so excited to be able to share this with you. I personally use this and I love how easy it is to set up, adjust and review. My bank account has already thanked me.
You can download the app here, but I highly recommend that you watch this tutorial, so that you can get the most of out the app and ensure that it works for you and your financial goals. If you like the app, I would love it if you can give me a 5 star rating, and you can leave your feedback. The Android version won’t be ready until later on in the year, but it is coming, I promise!