Money Musings 💭 More BIG, BIG news and my #1 holiday 🎁 idea!
I have more BIG, BIG news this week.
As I write this email I am tearing up! (In a wonderful way, don’t worry!).
You can now preorder my new book, Financial Adulting. YES! 🤯
AND this book - i.e. the gift of financial well-being - is THE perfect holiday gift 🎁. Just saying…
Here we go…
When you preorder Financial Adulting for yourself OR as a holiday gift for someone else, you / they will get:
1️⃣ The Complete Financial Adulting Checklist ✅ to compliment the book
2️⃣ Exclusive Access to the ‘Become a Consumer Activist’ Live 💥 Workshop (and accompanying workbook)
3️⃣ The Ten Minute Credit Score 💳 Guide
4️⃣ The First Time Home Buyers 🏠 Guide
5️⃣ The Get Paid What You Deserve Negotiations 💰 Guide
6️⃣ Free Access to the Financial Adulting Launch Challenge 🤩 when the book comes out
How it works…
STEP 1: Preorder the book.
STEP 2: Fill out this form with your order info. If it’s a gift, you’ll see some special directions in there for you.
STEP 3: Receive your goodies!
That’s it!
If you want to buy multiple copies…
Buy 1 Copy: Get all the preorder bonuses above
Buy 2 Copies: Get your Financial Adulting copies signed once they arrive!
Buy 5 Copies: Get a Free Copy of The 30-Day Money Cleanse
Buy 10 Copies: Get Lifetime Access to a Fiscal Femme Course of Your Choosing
Buy 20 Copies (First 10 Buyers Only): Get a 1.5 Hour One-On-One Coaching $$$ Strategy Session with Me!
Buy 30 Copies: Get Lifetime Access to ALL of the Fiscal Femme Courses
SPECIAL shoutout for companies! If you’d like to book me to speak to your employees - let’s talk!
MONEY MOVE OF THE WEEK
LOOK INTO RECASTING YOUR MORTGAGE.
Some lenders offer free recasting of your mortgage once you’ve paid down a certain amount of additional principal on the loan. This means they recalculate (or recast) your payments using the lower loan balance.
For example, if you have a $150,000 mortgage balance and pay down an extra $20,000 in principal, your payments after recasting are now based on a mortgage of $130,000. This allows your total monthly payment to go down. Not hating that.
If you have a 30-year mortgage, your mortgage is amortized over 30 years. Your payments stay the same each month but what the payments go toward changes over time. At first, your payments are more interest than principal because your loan is at its highest balance. Over time, as you pay down your principal, the payments go more and more toward paying down the loan balance than interest.
YOU GOTTA SEE THIS
HOLIDAY TIPPING GUIDE.
During the holidays I have multiple exchanges with friends about holiday tipping and gifts. What’s generous? What’s typical? How much is this going to cost?
It can be difficult to know how much to give. This holiday tipping guide from Emily Post is filled with really helpful guidelines. You know I love how she talks about making it all work within our budgets.
I also loved this one that's specific to NYC. Reading through it reminded me of people I might have forgotten to include in my holiday budget.