Good morning, We’re stepping into a new month, and it brings fresh opportunity. Earlier this week, we talked about dreaming vs. doing. And today, I want you to sit with that for a moment… Which one have you been doing? It’s easy to dream about the goals—paying off debt, saving more, feeling more at peace with your finances. But doing? Doing requires intention. It requires action. So let’s check in. Payday Tip: Financial Goal Check - What progress have you made toward your goal? - Have you automated an extra payment or savings deposit? - Is there a subscription you can remove to move faster? - Have you included your goal in your budget? I’ve had seasons where I had the vision… but my actions didn’t match. And if I’m honest, that’s where frustration started to build. Because faith isn’t just believing things will change—it’s being willing to move when God gives you the opportunity to act. Your words matter. But action + words? That’s where growth happens. So today, don’t just dream about it. Take one step. Prioritize yourself the same way you prioritize your bills. If you need help turning your goals into a plan, sign up for a free 30-minute consultation. I’d love to walk through it with you. https://calendly.com/pughfc/consult Have a great weekend!

Good morning, Today is my mom’s birthday, and in honor of her, I want to share a few lessons I have learned from her over the years. Life Lessons: - Kindness does not have to be publicized. - Being present is priceless. - Do what you have to do to get where you want to go. - Do not treat people wrong, even if they treat you wrong. You may think these are just life lessons, but they are payday tips too. Money Life Lessons - Generosity does not have to be advertised. - Your values should show up in your spending. - Sometimes sacrifice is necessary to reach your goals. - A person of character and integrity will always go further than someone who cuts corners. I am thankful for the example my mom has set for me over the years. The older I get, the more I realize that the lessons we learn at home often shape how we handle money, relationships, and life. Happy birthday, Mom, and thank you for all the lessons! Help me wish my mom happy birthday on social media! Have a great weekend!

Good morning, Did you ask? Earlier this week, I encouraged you to ask someone for help in an area where you are struggling. When it comes to your finances, one of the best things you can do is stop trying to do it all alone. Today’s payday tip is all about creating a healthy rhythm with an accountability partner. Payday Tip: - Pick your accountability partner - Choose someone you trust and respect. - Tell them your goal - Be honest about what you are working toward and the consistent action you are taking to get there. - Set up a routine to check in - Decide if you want to check in weekly or monthly. Consistency matters more than perfection. - Ask how you can support them too - Healthy accountability goes both ways. Remember, your accountability partner should not just tell you what you want to hear. They should encourage you, celebrate your progress, and remind you of your goals when you want to give up. God did not create us to do life alone. Sometimes growth happens faster when we stay connected with the right people. Need a reset on your finances? Join me for my free Financial Reset Webinar on April 29. Have a good weekend, -Latrisa

Good morning, “No plan is worth the paper it is printed on unless it starts you doing something.” — William Danforth Whew. That was a gut check for me. I came across this quote while reading The 15 Invaluable Laws of Growth by John Maxwell, and it really made me pause. How many times have we created a plan, written everything out, and still not followed through? Now that we’re in the second quarter of the year, this is your reminder: If you want to do better with your finances, you have to do something. Not everything. Just something. So let me ask you—what is one thing you need to do to stick to your financial plan? Here are a few simple ways to get started: Payday Tip: Stick to the plan - Schedule it – Put your financial tasks on your calendar so they don’t get lost in your day - Track it – Keep an eye on your spending throughout the month, not just at the next paycheck - Review it – Look at what worked, what didn’t, and make adjustments for the next pay period I’ve had to remind myself that God honors consistency. When I take small steps, even when I don’t feel like it, I’m trusting Him with the outcome. If you’re ready for accountability and support, sign up for a free coaching consultation using the link below. https://calendly.com/pughfc/consult Let’s take action together. -Latrisa

Good morning, April is here. Maybe you were paid a few days ago, or maybe today is your payday. Either way, I want to share this with you: Completing your budget before you get paid is key if you want to be the prepared person—not the one trying to catch up. It’s easy to wait until the money hits your account, but that often leads to reacting instead of planning. Here are three reasons to complete your budget before payday: - You can think proactively instead of reactively - You can test different scenarios without spending any money - You can plan to enjoy your life—and include that in your budget on purpose I know it can feel overwhelming to sit down and look at everything. Most people avoid it for that reason. But when you take the time to plan ahead, you set yourself up for less stress and more confidence throughout the month. If you’re ready to take this seriously and want guidance as you walk through it— I’m hosting a Life Budget Workshop. It’s in the morning, and it will take about 2 hours of your time. But by the end, you’ll be better prepared for the month and positioned for a stronger, less stressful summer. ​Click here sign up. Let’s get your plan in place.​ Have a good day, Latrisa