Annual billing gets ignored by half the community owners I speak to. The other half assumes it's a no-brainer. So, check this out. When you offer annual billing, you're asking a member to pay upfront for 12 months instead of month-by-month. In return, you give them a small discount, usually around 2 months free, which works out to roughly 17% off. The obvious fear is: won't I earn less? Sometimes. But here's the thing nobody explains clearly. Every month, you have a monthly member who faces a decision point. Cancel or stay. Do that 12 times a year and the odds of them hitting cancel at least once, during a busy week, a slow month, a moment of doubt, go up considerably. Annual billing removes 11 of those 12 decision points. So yes, you might give up 17% of the revenue. But you're also dramatically reducing the chance they leave before the year is out. Research across membership businesses puts the effective churn rate for annual members at roughly half that of monthly members. The cash flow argument matters too; having members pay annually upfront is a very different experience from hoping they all renew next month. That said, it's not automatic money. The discount has to feel worth it. If you offer 10% off and call it a deal, most people won't bite. The 2-months-free framing converts significantly better than a percentage discount. There's also a risk worth being honest about. Some members who would happily have paid monthly for 18 months will switch to annual and save money you didn't need to give away. The numbers suggest it's outweighed by the retention benefit in most cases, but it depends on your current churn. Here's a quick sense check on the numbers. If you have 20 members at $49/month and 4 of them take an annual offer at 2 months free, you collect $1,960 upfront. If all 4 stayed the full 12 months on a monthly you'd collect $2,352, so you're giving up $392 in the best case scenario. But if even one of those 4 cancels before month 10, annual already wins. That's the bet you're making.

What if the negative voice in your head had less power… because you stopped seeing it as you? Join us for a FREE live Zoom workshop inside Unmuted Money with voice actress @Kittie KaBoom as we explore how to turn those harsh money thoughts into a character instead of an identity. 💭 “I’m bad with money.” 💭 “I’ll never figure this out.” 💭 “I always mess things up.” What happens when you stop treating those thoughts like facts? During this workshop, we’ll: ✨ Give the negative money voice a character and personality ✨ Learn how humor and creativity can reduce its power ✨ Practice strengthening and emboldening the positive voice instead ✨ Create a safer, more supportive relationship with ourselves around money This is not about toxic positivity. It’s about recognizing the voices in our heads and learning we don’t have to obey every one of them. 📍 FREE to attend 💻 Hosted on Zoom so you can attend without being a member yet 🗓️ Wednesday May 27th 3pm Pacific/ 4pm Mountain / 5pm Central/ 6pm Eastern 🎥 Replay available if you can’t make it live but only in the group If you’ve ever felt stuck in shame, self-criticism, or spiraling thoughts around money… this workshop is for you. Drop a 🎤 below if you want the details

You don’t need a full reset to support your nervous system. And you don’t need a long routine or a bunch of time either. Most of the time, it’s not about doing more, it’s about doing something small that actually meets your system where it is. Here are a few simple ways to come back to yourself today: 𝟭. 𝐓𝐚𝐤𝐞 𝐚 𝐬𝐥𝐨𝐰 𝐛𝐫𝐞𝐚𝐭𝐡 Even one intentional breath can shift more than you think. Try letting your exhale be a little longer than your inhale and see what that does. 𝟮. 𝐋𝐨𝐨𝐤 𝐚𝐫𝐨𝐮𝐧𝐝 Gently bring your attention to your environment. Name a few things you can see. Let your eyes land on something neutral or calming. This helps your system orient to the present moment. 𝟯. 𝐅𝐞𝐞𝐥 𝐲𝐨𝐮𝐫 𝐛𝐨𝐝𝐲 Notice where your body is supported right now. The chair, the floor, your feet. You don’t have to change anything - just noticing can help you settle. 𝟰. 𝐃𝐨 𝐨𝐧𝐞 𝐭𝐡𝐢𝐧𝐠 𝐬𝐥𝐨𝐰𝐥𝐲 Pick something you’re already doing - drinking coffee, washing your hands, walking to another room - and slow it down just a little. Your system responds to pace more than we realize. 𝟱. 𝐎𝐟𝐟𝐞𝐫 𝐲𝐨𝐮𝐫𝐬𝐞𝐥𝐟 𝐤𝐢𝐧𝐝𝐧𝐞𝐬𝐬 The way you talk to yourself matters. Even a small shift in tone - something softer, more supportive - can change how the moment feels. You don’t have to do all of these. You don’t have to do them perfectly. Just pick one and see what happens. 💜 Which one feels easiest to try today? Or is there something small that’s been helping you lately? ---------------------- I share a lot of this kind of simple, real-life nervous system support in my free community if you’re looking for more: The Window Within: Nervous System Regulation for a Balanced Life You’re welcome to join us.

On Saturday in my community Unmuted Money in collaboration with Embrace Your Inner Weirdo. We will hear from the amazing Rasheed Hooda. If you have not had the pleasure. He is a kind, funny, wise friend who we lovely refer to as Rasheed Uncle. He imparts experienced wisdom in a way that feels refreshing, honest, and practical. Everyone's money stories are welcomed in Unmuted Money. And I am so honored Rasheed is willing to talk about his. Come join us!

A Community for Women Embracing the Solo Lifestyle I'm Elizabeth, and I'm thrilled to introduce Women Untethered, a community for women who are intentionally, unapologetically designing a life on their own terms and thriving! Women Untethered exists to: ✨ Connect — Find your people. Women who understand the solo life, celebrate it, and lift each other up 📚 Share Resources — Money & Finance, Health & Wellbeing, Travel & Adventure, Mind, Body, & Spirit, Personal Growth & Reinvention. 💬 Have Real Conversations — About freedom, purpose, challenges, and the joy of building a life that's entirely yours 🤝 Support Each Other — Recommendations, wins, hard days, big decisions — this is a space to show up as you are Goal is to create a hub for solo women to build connection, support, and guidance on resources. The classroom will be a hub of peer contributed resources. Even though it's a small group, a member already provided information and lived experience on Work-a-way Programs for women to travel and volunteer in other countries. If you're a solo woman designing a life on your own terms, come join us! Drop a comment or click the link below! 👇 Link to Women Untethered.