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Owned by Rachael

The Five Money Trees

23 members β€’ Free

A space to understand your spending, even if you aren't a "budget person." Honest conversations, quirky questions... and the occasional donut analogy.

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104 contributions to The Five Money Trees
Favorites Friday
What is your favorite quote about money?
1 like β€’ 1d
@Sara Keeney yeah, it is crazy how applicable that is. My dad likes to watch accident investigation documentaries, and sometimes it's the smallest thing that brings everything down.
0 likes β€’ 20h
@Sara Keeney There's so many things that we 'could have done'. And it's not wrong. But I think the more important question is 'where do we go from here'? And my guess is, if you look back on stuff you did spend money on in the past, it wasn't necessarily 'wasted' just because you haven't been saving it all this time. For myself, I have a bunch of memories to look back on of travel and gifts and experiences. That's the trade off. And it's worth it to me! But priorities do change as we change. So if you wouldn't buy a Lamborghini...what *would* you buy?? 😁
Tiny Steps Thursday
Remember a couple of months ago when we talked about planting a Wish Farm? How are your wishes growing?? Feel free to share your progress!
1 like β€’ 2d
My little wish and my big wish are both harvested - my little wish was Age of Mythology (I love the Age of Empires series and own almost everything ever made), and my big wish was joining Sage Grayson's Goodbye 9-5 mastermind. My medium wish is going back to my favorite Brazilian steakhouse with my family!
0 likes β€’ 2d
@Sara Keeney nice update! Sounds like you are making steady progress on everything!!
Why We Spend Wednesday
What has to be in place for you to move from a "I'll consider it" to a "absolutely yes!" mindset? Is it good customer service? Free shipping? A sizable discount? A generous return policy? Recommendations from others? Something else?? What makes spending your hard earned money a no-brainer?
1 like β€’ 3d
@Jamie Lindsley you sound like a natural "people-person"! 😁 Do you consider yourself to be pretty outgoing?
0 likes β€’ 3d
@Jamie Lindsley Some jobs will do that for you!!
3d β€’Β 
General
What do you think?
https://thehustle.co/news/how-much-money-does-happiness-cost-in-2026 (I found this article interesting.)
Poll
2 members have voted
What do you think?
0 likes β€’ 3d
@Linda Strahl That's great that you get to see the actual expenses. Does it help to be more mindful with spending, now that you finally got a budget sheet? I agree that there is clearly a freedom when you can move beyond "fine" and discover an abundance of options. There's always an indefinite amount of options to spend money on, no matter how much money is made, but having the ability to choose freely is definitely wonderful to have! And Linda, you are a VIP member already, so let me know if there is anything you would like help with as you look over your budgeting numbers!
1 like β€’ 3d
@Jamie Lindsley nothing wrong with having big goals and dreams!! Ambition is good to have! And Jamie, you are a VIP member already, so let me know if there is anything you would like help with as you look over your budgeting numbers!
Try This Tuesday
Impulse spending doesn't always have to mean "yes" or "no." Sometimes it can become a game! The next time you're about to buy something that isn't a necessity, shuffle a deck of cards and draw one. Your card becomes your challenge. β™₯ Heart – Joy Treat yourself... but make it meaningful. Buy something that creates a memory, supports a hobby you genuinely love, or helps someone else. Skip purchases that are only there to fill five minutes of boredom. ♦ Diamond – Financial Before you buy anything, strengthen your overall finances first. Move $5 into savings, make an extra debt payment, or review your budget. Sometimes you'll still buy the item afterwardβ€”and that's okay. ♣ Club – Courage Pause and ask yourself: What feeling am I trying to avoid or create by buying this? If you're stressed, lonely, or bored, see if there's another way to meet that need first. β™  Spade – Progress Do one task you've been avoiding before you spend. Fold the laundry. Send the email. Finish that lesson. Then decide if you still want the purchase. Sometimes a pause gives us a more clear perspective on what we really want!
Try This Tuesday
1 like β€’ 4d
@Sara Keeney that's a great strategy too though! Sort of the "would I rescue this from a fire" approach? Or "would this make the cross-country move"? A sort of dramatic blankness to reveal what your absolute priorities and necessities are. Nothing wrong with that!
0 likes β€’ 4d
Case in point: I drew a card and got a Spade. I sorted my backlog of mail before deciding that yes, I did want donuts tonight. But I got something done first!
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Rachael S
5
218points to level up
@rachael-snavely-4602
I help people build simple, flexible budgets that actually fit their lives. I share honest stories, real mistakes, and practical ways to handle money.

Active 36m ago
Joined Apr 18, 2026