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Planting seeds to grow financial confidence
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The Latte Factor Is Distracting (And Other Truths About Your Coffee Habit)
Financial Wellness could be found in your latte We need to talk about coffee. Not because I'm about to tell you to give it up. (Please. I'm an accountant, not a monster.) But because the coffee-shaming in personal finance has gotten a touch out of hand. You know the story: "If you just gave up your daily $5 latte, you could save $1,825 a year! That's a down payment! That's retirement! That's financial freedom!" Cool. But also... what if your latte is one of three things keepi
Jen Scharien
Dec 29, 20253 min read


The Financial Glow-Up You Didn't Know You Had This Year
Financial Wellness is a journey, mark your wins along the way! It's that time of year when everyone's talking about what they're going to do differently in 2026. But before we rush into all that "new year, new you" energy, let's pause for a second. Because I have a hunch about something: you probably made more financial progress this year than you're giving yourself credit for. Maybe you didn't hit that savings goal. Maybe you still have that credit card balance. Maybe you or
Jen Scharien
Dec 29, 20252 min read


Financial Willpower is a Muscle
Here's what most financial advice gets wrong: it assumes you have unlimited willpower to resist temptation, stick to your budget, and make the "right" choice every single time. Spoiler alert, you don't. None of us do. And that's not a personal failing; it's just how humans work. Financial willpower operates much like a physical muscle. It can be strengthened with practice, but it also gets tired when you use it too much. Understanding this simple truth can completely transfor
Jen Scharien
Oct 29, 20253 min read


The Three Money Management Tasks to Break the Paycheque to Paycheque Cycle
If you're living paycheque to paycheque, or keep paying off your credit card only to see it bounce back up again, you're not alone, and you're certainly not stuck. The path forward doesn't require a windfall or a finance degree. It starts with three foundational money management tasks that can genuinely transform your relationship with money. 1. Get Crystal Clear on Your Values Your values are your financial GPS. When you know what truly matters to you, your money decisions b
Jen Scharien
Oct 28, 20253 min read


When Data Goes Feral: Knowing Which Numbers to Track (and Which to Ignore)
Does your financial data make you feel like this inside? I learned something important about data during my last half-marathon training....
Jen Scharien
Sep 22, 20253 min read


Grow your Mindset Grow your Money
Your relationship with money starts in your mind. Just as Carol Dweck's groundbreaking research showed us that our beliefs about our...
Jen Scharien
Sep 17, 20253 min read


Mindfulness IS Money Management
Transform your relationship with money through the art of mindful awareness
Jen Scharien
Aug 20, 20254 min read


Plan to Buy Your First Home
Buying your first home doesn't take a miracle; it takes a plan. Do you have dreams of owning a home but worry it's out of reach? Here we...
Jen Scharien
Aug 18, 20256 min read


What Money Advice Are You Afraid Of?
Don't let your worries about unwated advice scare you away from profound guidance. When I was planning to start my own business, I was...
Jen Scharien
Jul 21, 20254 min read


Hindsight is 20/20, Foresight is legally blind
Get a high-five from your future self. As humans are great at looking back and seeing what we should have done, and lamenting on missed...
Jen Scharien
Jul 8, 20254 min read


Impulse Spending & How to Beat It
With unlimited ways to use our money, we want to ensure our spending reflects our intentions rather than our impulses. Impulse spending...
Jen Scharien
Jun 17, 20255 min read


Money Action = Climate Action
Financial Wellness helps us do our part to fight climate change. Climate change is big and scary, like a monster under the bed – except...
Jen Scharien
Jun 10, 20256 min read


The Pain of Paying (and Why It Might Be a Good Thing)
Businesses have figured out how to anesthetize that pain or paying Our bodies are wired for survival. Touch something hot and your hand...
Jen Scharien
May 26, 20252 min read


Is your money boring? FANTASTIC!
Tune out the headlines—financial peace comes from steady habits, not breaking news. The boring stuff in our lives doesn't get as much...
Jen Scharien
May 19, 20253 min read


Unlocking Your Financial Emotional Intelligence (FEQ): The Key to Better Money Decisions
Financial decisions might look like numbers on a spreadsheet—but inside, it's a full-blown color bomb of emotions. Okay, real talk: Have...
Jen Scharien
May 16, 20254 min read


The Locker Room Paradox
The most physically exposed space can often become the most emotionally safe. In my previous role, I worked in a beautiful downtown...
Jen Scharien
May 12, 20253 min read


Your Employees Are Stressed About Money. You Have Three Options.
Even in the best of times, money stress is a constant companion for many employees. But in today’s climate—with a jittery economy,...
Jen Scharien
May 8, 20253 min read


When you finally SEE your money, you get to visit your boyfriend overseas...
Many years ago I recall talking to a friend about her boyfriend. She was feeling pretty bummed because her boyfriend and her were doing...
Jen Scharien
Jun 16, 20212 min read


Good friends talk about money
A little over a decade ago I was chatting with my friend and we got on the topic of ways to manage money in a relationship. We were both...
Jen Scharien
Jun 13, 20212 min read


It only matters if you don't want to work for the rest of your life.
Honestly this is what it all boils down to. Do you want to work for the rest of your life? No? then live within your means and invest....
Jen Scharien
Jun 13, 20212 min read
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