Category Archives: Money Management

Made Money Mistakes? No Problem, Two Questions To Ask Yourself

Made Money Mistakes?  No Problem, Two Questions To Ask Yourself

We’ve all done it … made money mistakes.  At the tine that we are making
these money mistakes, it’s not in our awareness that we will regret it
sooner or later.  After all it’s what’s making us happy at the moment so why
would it matter right now!

Then, low and behold it happens … for whatever reason, we have strong
feelings of regret for using our money in a way that was unnecessary or

Now what do we do?

Because we’re all different, it means that you have to look at the situation
differently.  Listed below are some of the statements that could describe
you and your reason for making money mistakes:

*I was stressed and needed to spend my money to relieve my stress.
*I got into an argument with my spouse or significant other and the
first thing I thought of was to spend money.
*I couldn’t say no to my child/children when they were nagging me
to buy them something (or a specific item).
*I wanted to impress my friend/s and buy them a gift even though I
didn’t have enough money and used credit.
*I wanted to impress my friend/s and buy them dinner even though
I didn’t have enough money and used credit.
*I bought things for my house that I couldn’t afford and was way out
out of my price range.
*I went grocery shopping and bought more then I planned because
there were some items that I just had to have that I was craving
and now, I don’t have enough money to pay on of my household
*I bought an item that I didn’t have money for by signing up for a
store credit card that was offering a special promotion with a
great payment plan option, even though I knew that I couldn’t
make the monthly payment.

Obviously there’s a lot more situations that happen, but I hope you get the
of what’s listed above.  There’s always a reason why we make money
and the best thing that you can do for yourself is to recognize what
you did and 
why you did it.

Then there’s the ‘accepting it’ part that might be a little hard to bear, but remember
that sometimes these things are going to happen because we are emotional
human beings and occasionally our emotions will get the best of us.

This life is all about learning and growing, you can’t learn anything and grow
if you don’t go through these situations.  These so called ‘money mistakes’
can be a very powerful learning and growing experience as long as you are
willing to accepts it as such.  If you can do that, then you’re well on your
way to making better money decisions later on.

Every time you have a need or desire to spend money, make sure to ask yourself
a couple of questions before you open your wallet.

The first question is:  Why am I spending money right now?
If the answer to that question is anywhere close to the set of statements listed
then I would recommend that you close your wallet and walk away.

The second question to ask yourself is:  Will I regret making this purchase
after I leave the store?
If the answer to that question is a “maybe”, “possibly”, “I don’t know” or “yes”
then close your wallet and walk away.  If it’s something that you really want
and desire, then think about it for a day or two to make sure that you’re making
that purchase for the right reason.

Just asking yourself these powerful questions will make a big difference in how
use your money and lessen the chances of making more money mistakes.



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Don’t Look Back

There are times in your life that you don’t always make the best decisions
about certain things and 
so it is, it’s done, you’ve done things that you wish
you didn’t.   Hopefully you
can see the lesson that was being taught as you
were in the middle of your
“not so great decisions”.  Like that says goes:
Hind sight is 20/20.  After all
that was said and done, It’s a lot easier to see
the whole picture in the end.  

Don’t Look Back!  

It’s so important to learn from what you’ve done and to move on.  Life is to short
to be holding on things that can bring you down. 

There’s a really cool song by the Rock Band named Boston and the name of the
song is “Don’t Look Back”, I really like the what this song is trying to say.

Here’s the lyrics to this cool song:
*Don’t look back, a new day is breakin’
It’s been too long since I felt this way
I don’t mind where I get taken
The road is callin’, today is the day

And I can see it took so long
Just to realize I’m much too strong not to compromise
Now I see what I am, is holding me down
I’ll turn it around

Oh, yes, I will

I finally see the dawn arrivin’
I see beyond the road I’m drivin’

It’s a new horizon and I’m awakin’
I see myself in a brand new way
The sun is shinin’, the clouds are breakin’
‘Cause I can’t lose now, there’s no game to play

I can tell there’s no more time left to criticize
I’ve seen what I could not recognize
Everything in my life was leading me on
But I can be strong

Oh, yes, I can!

I finally see the dawn arrivin’
I see beyond the road I’m drivin’
Ooohooo, far away and left behind
Left behind

Don’t look back, a new day is breakin’
It’s been so long since I felt this way
I don’t mind where I get taken
The rad is callin’, today is the day

And I can see it took so long
Just to realize I’m much too strong not to compromise
Now I see what I am, is hold me down
I’ll turn it around

Oho, yes, I will

I finally see the dawn arrivin’
I see beyond the road I’m drivin’
Far away and left behind

Don’t look back

  *   *   *   *   *

So if you’ve made decisions with your money and finances that have hurt you 
financially, Don’t Look Back! and start getting yourself down with negative
thoughts and feelings.  It’s all part of the learning process.  The main thing is

that you learn from your mistakes.  There is always someone to guide you
and show you the way to making better decisions with your money and 

Aloha, Janin 


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Learning To Make Friends With Your Money: How This Funny Idea Is A Good Idea

Have you ever thought about money in that way?  Making friends with it?

If you haven’t, then great!  I want to take you down a road of friendship.
Think about a friend that you have that’s a really good friend.  You both get
along really well, you’re always happy to see each other, there’s always a give
and take and selfishness has never shown its ugly self.

You know you have a really good friendship if both of you are laughing a lot,
sharing ideas, hopes and dreams, and sometimes even tears; tears of joy
and tears of sadness.

I hope that you all have at least one friendship like that; I know that I do
for sure.  What would life be like without one!  Probably a lot more difficult.

Sometimes, it takes some time to really have a solid friendship with your
money.  Just like your friendship with a person, sometimes it takes months
or even years for it to become solid for many reasons.

There’s a purpose for having friendships in your life as mentioned above,
and there’s also a purpose for being friends with your money.

Here’s some of the reasons why it’s a good idea:
Money, whether it’s made of paper or metal has an important purpose in
your life.

  • It doesn’t talk back (I’m being funny, but it’s true).
  • It doesn’t have selfish desires.
  • You can let it go and it will never have any hard feelings toward you.
  • It will never offend you.
  • It can bring you the food you need
  • It can bring you the clothes you need and want
  • It can provide a roof over your head
  • It can grow for you if managed well
  • It will stick around as long as you want it to!
  • It will let you use it to make someone else happy

These are just some of the things that being friends with your
money will do for you, there are a lot more that I didn’t list.

I just love how all of the things listed make you laugh, but
they are so true.  Doesn’t it just want to make you re-think
your relationship with money?

Being friends with your money doesn’t have to be hard,
you just have to want to be friends with it.

It is possible, the first thing you need to do is to decide.
Make that internal decision that you are going to get to that
point of friendship no matter what it takes.

The second thing you need to do is to ask for help.
Nobody gets to a better place all by himself or herself.
Progress is always made when there is support.

I would love to support you to get to where you want to be.

Please send me an email and let me know if you would like
to schedule a complimentary Fashionable Finance Discovery
Session at

Posted in Articles, Finances, Inspiration, Internal Decisions, Money, Money Management, Relationship with Money | Tagged , , , , , | Leave a comment

Should You Save It, Spend It, Splurge It or Savor It?

Did you get a tax return this year?  Now I know from past experience
that when
 I got a tax return, the first thing that I wanted to do was to
spend it.  Even before
 I got the tax return in my hot little hands I was
already thinking about what
 I wanted to buy.images

So, I ask you, are you planning on saving it, spending it,
splurging it or savoring it?

I’m pretty sure that you’ve already decided what you were going to do
with it as
 soon as you knew how much you were getting back from the Federal and from the State.

I’d like to offer a few suggestions on what to do with that money.

You should definitely save some of it, spend some of it, splurge some of it
and savor some of it!  
Are you thinking WHAT!  That sounds crazy, so let me
explain why I would say those crazy things.


You should always have a savings of some kind for emergencies like: unemployment,
medical emergencies, automobile repairs (emergencies), etc.  You just never know if
and when these things could possibly happen and the worst thing that could happen
is that you are not prepared to take care of these unexpected emergencies.  I can
guarantee that you will sleep much better at night if you do have a small savings in

Now what about SPENDING IT?  What I mean by that is to pay off a small portion
of debt that you might have like credit cards or a credit line or car loan.  Those are
just some of the kind of debt that you could have, of course there’s always more
kinds of debt out there, but the idea is to take a small portion of your tax returns
and pay a small amount towards your debt which in turn gives you the sense of
relief that the amount of debt is getting smaller.  The amount that you should pay
is totally up to you, you know what is comfortable for you to pay.

Ah…SPLURGE IT!  Doesn’t that sound like fun?  It sure is!  You have to enjoy some
of the money that you have and have worked so hard for.  I can tell you from
experience that if you don’t use a little of it to splurge on something that you’ve
really wanted for a while, you will end up using other money that wasn’t intended
for splurges to make that purchase.  So treat yourself at least once a year on
something that you normally don’t buy.

Last but not least, SAVOR IT!  Yes, just like savoring that amazing tasting dessert
that you love to eat and you take you time eating it and tasting it in your mouth:
take a portion of your returns and make it last for a few months, using it a little at
a time and enjoy the little things that you can do with it.  Just knowing that you
have that extra cash to do what you want with it over a period of time, will give
you a great feeling of enjoyment and will make you smile.




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Knowing Yourself Will Help You Know Your Finances

question-markAt what age do you really know yourself completely?
Your likes and dislikes, your emotional capacity, your
mental and physical ability, everyone is so different
that there is no one correct answer.

And… sometimes you know things about yourself
that you don’t like and you try to not think about it.
I know I’ve done that!

But, knowing yourself will help you know your finances.
How?  You might ask.  Here’s how:

If you know that you’re the kind of person that doesn’t like
to pay bills, you definitely will know your current financial
crisis of having to pay bills late, and sometimes even having
a late fee added to your bill.

If you know that you are an emotional shopper, then you’ll
definitely know or come to know that you may not have enough
money each month to pay all of your bills.

If you know that you are a person that doesn’t have a very good
relationship with your money, then you’ll definitely know that you’ll
have a hard time making it, keeping it and managing it.

Take some time and really get to know yourself, and be honest!
Being honest with yourself is the only way that you’re going to be
able to improve your finances.

I always recommend that you have a notebook of some kind.
I do and always have had one.  Fancy or not, it doesn’t matter.

Start jotting down things that you know and don’t know about yourself,
things that you need help with, things or ideas that inspire you.

Do that every day and watch how you’ll start to have those light bulb
moments.  Which is totally cool!

It’s just one of the ways to get to know your finances.

Janin Johnston


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Women Need To Make Talking About Their Finances Fashionable

Women need to make talking about their finances fashionable.
Which means that it should be OK to talk about your finances.
There’ no if(s), and(s) or but(s).

When women get together they talk a lot about many things.
They talk about themselves, they talk about their kids if they have
any, they talk about their boyfriend or husband, they talk about
their job or what kind of work their doing now.

So, why, don’t they talk about money or finances? It’s pretty much
the same.

This is the 21st century and things are very different now than they were
just 13 years ago when it was the 20th century.

The world has changed, the economy has changed, our food has changed,
the way we do business has changed (dramatically).

Women need to start talking about things like money and finances, which,
is necessary to living in this world.

Talking about it is not a shameful thing. They talk about it with our bank teller
and they talk about it with our accountant or CPA when it’s necessary, but
not necessarily to get educated out how we can be better managers of it
or how they can make it grow in a better way that will benefit them and their

Remember, most women work really hard for the money that they earn. Why
not make it (the money) work harder for you in return.

Women love win-win situations!

The more women get together to talk about money and finances, helping each
other to get educated about it, helping each other make it OK to talk and learn
about it, the better their lives will be and the lives of people they take care of too.

This, Ladies, is a WIN-WIN situation.


Janin Johnston



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5 Reasons Why You Should Never Go To The Store Without A Shopping List

7:13-5 Reasons Why...]

NEVER EVER go to the store without a shopping list of some kind,
whether it’s written on paper or on your phone and try to limit the
number of times you go to the store.  Here’s why…

1.    As soon as you walk in the door you forget what you
needed to get in the first place.

2.    There’s a whole marketing psychology on shoppers
that the stores use to make every thing you see very
appealing and makes you want to buy it.
(I know because I used to work in retail)
So…. that leads me to the 3rd reason…

3.    You don’t buy what you actually came to the store for.

4.    You end up buying things that you don’t really need.

5.    You spend way more money than you can afford.  And,
a lot of times using credit to make the purchase!

Everything listed above is from experience.  So a few years ago what I
decided to do was to make sure that before I went to any store that I would
write down on a piece of paper the exact thing or things that I needed.  I still
do that to this day.  I make sure that I write my list with a bright colored pen
making the words a little larger than usual – it’s as if the bright words are reminding
me of what I really need.

Now, I’m not perfect.  I have moments that I just feel like I don’t want to write a list
and I go… and I shop … and I buy things that I don’t really need.  But, I learn very
quickly that I should have made a list!

If this happens to you, don’t worry the main thing is that you get back to doing the
things that work, like writing a shopping list on paper or in your phone – which ever
works best for you.

Try it out this weekend and see what happens.


Janin Johnston


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The Little Sparks That Happen Before The Light Bulb Goes On

When was the last time you had a light bulb moment?
Were there little sparks that happened first?

Sometimes there are a lot of sparks that happen over a
period of time before the light bulb moment happens.

The sparks (thoughts and feelings) start to go off in your
understanding of life and soon those sparks will lead to the light
bulb going on in your mind. Hopefully you”ll experience that light
bulb moment sooner rather than later.

And having to navigate life and how you’re going to survive is one
of those things that everyone has to go through and experience.
Because you are forced to go through those things, it forces you
to do things that you didn’t really want to.

Take for example, saving money when you have to support yourself,
creating a spending plan and manage your finances to be able to
pay all of your bills.

It takes time to learn about your money and to manage your finances
well, not to mention other things too.

That is definitely when you want those little sparks to happen, when
you’re trying to do all of those things.  It probably already is happening
for you (those little sparks), but maybe you just haven’t realized it or
paid any attention to it.

I experience those little sparks quite a lot before the light bulb
goes on in my mind.  That moment is so awesome that you wish it
would happen a lot more often.

I can just imagine the expression on my face! I should have taken
a picture of myself just to see. (I’m just trying to be funny)

So what can you do to begin to experience those sparks if
you think you’re

One thing that I would suggest for you is to pay attention to those
moments throughout your day when you have those sparks,
write them down as quickly as you can. You know what happens
when you have a thought or a great idea and don’t write it down?
You forget it just as quickly as it came. Don’t you just strongly
dislike that?

Write it on anything you can, even a napkin will do. I’ve done that
before, can’t be picky when a great idea comes around.
You can always rewrite it where ever you want after that.

As you start to consistently write things down, you’ll start to see those
sparks one at a time (thoughts and feelings) and that’s what you should
aim for. You might get a lot of little sparks
for a long period of time
before your light bulb moment happens.
  Or you might be one of those
people that only need a couple of
sparks and you’re all lit up.

Whatever that is for you that’s great. The main thing is that you get
those sparks and what a wonderful day it will be when that light bulb
moment happens for you!

Re-read this article again a week from now and see if you get
anything else out of reading it a second time. A spark just might happen
for you today. You will learn something new the second time around.


Janin Johnston
The Fashionable Finance Coach

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 P.S. Let me know what you think, leave a comment below.

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be able to have a good relationship with your money and finances!
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Are You A Woman With A Plan?

Women usually have a plan for something that they
really want and sometimes they don’t even realize
that they’ve made a plan because it’s been something
that they do naturally and have been doing it for so
that they don’t feel the need to have it written out.

Sometimes I think that as little girls we have this natural
ability to see what we want, figure out a way to get it
(a plan) and then go for it-no matter what.

Have you ever watched a little girl playing house,
a tea party or doll dress up? If you have,
you probably
have witnessed that little girl in action:
setting things up,
organizing everything and telling
her playmates what to do
and, what not to do
(some might call it being bossy).  I think
it’s pretty funny,
her playmates are at her mercy.

Isn’t that how it is as grown women, we continue that same
pattern just like when we were little. The only difference is
is that we have a lot more people that are in our life to
organize (boss around).

Even though that might come easy and written plans are
not required, sometimes having a plan for something
specific and more elaborate requires that it be written
out on paper in order for it to be accomplished.

For example, these are some things that require you to have
a written plan:

  • Managing your finances
  • Going to college – how much is it going to cost
  • Where you’re going to live – how much can you afford to
    pay per month for rent or mortgage
  • Getting married
  • Buying a car through financing
  • Taking a trip to Italy
  • Growing your spirituality (yes, you need a plan for this!)
  • Taking care of your health (and you need a plan for that!)

The list can be endless, everyone is so different in what they
want and how they want to live their life.

I want to say to all of you women out there, start making plans
for your life that will get you excited. Be a woman with a plan!
There’s something amazing that happens when you actually
write out or draw out what you want on paper. It’s so different
then keeping it all in your head or doing it digitally.

I’ve witnessed some amazing things as I’ve taught students
how to get their ideas out of their head, how to use their imagination
and creativity in all different ways, and all of it was done with
physical objects, not a computer.

My former students have experienced a great deal of satisfaction,
amazement within themselves, a sense of accomplishment and
the confidence that they can do things that may seem hard.

I have a fun suggestion – get some colored pens, pencils,
paints of some kind, crayons, oil pastels or anything else that is
colorful of your choice and just start writing or drawing a plan for
what you want. You can choose whatever kind of paper you want.
This is your plan and you can create it any way you want!

Colors have a way of activating the imagination and creativity.
Who says that a plan has to be on a plain sheet of paper, written
with a black ink pen?

You’re more likely to have success with your plan when it’s on paper
verses it being stuck in your head.
Plan! (with colors) You will be happy that you did.

If you need help with planning or creating a plan for something you
have in your heart, let me know. I will be more than happy to help

I invite you to a complimentary discovery session.
Send me an email at



Janin Johnston
The Fashionable Finance Coach

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Are You A Visual Learner?

Do you have a hard time hearing something,
it and then try to implement it
with little success?

Do you have to see something before you
understand it?

I love to talk about the way that we learn, using our senses
to fully understand what’s going on around us.

There are the three main ways in which we learn:
Auditory and Kinesthetic.
I want to talk about how we learn visually.

Everybody learns differently and there are many different
of learning that fall under the three main categories, but
visual learning
is when we learn something by seeing it first
before it makes sense.

Think back to when you were in school. How did you learn best?
Sometimes we don’t even think about things like that.
I surely didn’t start thinking about those things until I was an adult.

I was lucky enough to have a boss who pointed out to me what
my style of learning is. She was a Middle School Principal at
the time that we had this conversation and knew everything there
was to know about learning styles. Just FASCINATING!

Now, she didn’t just come out and tell me these things, we were
having a conversation about how I thought I learned things in
school when I was a kid and teenager.

She recognized that I’m a kinesthetic learner. Once I understood
how I learned it made all the difference. More about kinesthetic
learning in another article.

I want to talk to those of you who are visual learners.

One way to identify if you are a visual learner is if you have
to see things in order to understand it. Seeing is a very
important part of how you learn and how everything makes
sense to you.

It really makes a difference when someone can explain to
you how you learn best.

Just like your finances, have you had people tell you that
you need to do “XYZ” when it comes to taking care of your
finances and not understand what they mean?
Sometimes you cannot understand what they’re saying just
by hearing them. So it just becomes easier to work with your
finances the same old way.

It’s easy for someone to say “you need to do this and you need
to do that” but in order for you to have greater success with your
finances, you need to see an example of a step-by-step system
or have someone show you a better way of working with your

Have no fear, working with you finances doesn’t always have to
be stressful, here’s how you can start to relieve some of your

Figure out what kind of learner you are and get some help or
support, it will make a big difference.

I can speak from experience that once I understood my learning
style, things became so much easier for me and for those
around me at work.

If you need some help figuring out what kind of learner you are or
need some support with achieving success with your finances,
I invite you to email me at



Janin Johnston
The Fashionable Finance Coach

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