Power Hour Application - Rae Michelle Planners

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Rae Michelle Planners

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Application

Power Hour with Rachel

One 60-minute session
Investment: $247

Applications will be accepted starting Dec 26, 2023.

Name

Email

Tell me more about you/your family! How many people will be involved in your budget?

Which best describe(s) you/the other stakeholders in your budget? (Select all that apply.)

Salaried employee Self-Employed Freelancer Retired Unemployed Seeking employment

Age(s)

Please provide an estimate of your annual gross income (include all income from all parties involved in your budget).

$20,000 - $40,000 $41,000 - $60,000 $61,000 - $80,000 $81,000 - $100,000 Above $100,000 Income is variable

If your income is variable, please select a reliable MINIMUM you anticipate to earn in a month:

$1,000 - $2,000 $2,001 - $3,000 $3,001 - $4,000 $4,001 - $6,000 $6,001 - $8,000 Above $8,000

Which of the following are you most interested in discussing? Select all that apply.

Building my budget Budget upkeep Combining finances with my spouse or partner Spending habits Debt payoff Saving Investing Taking your business full-time Pivoting to tech Major life event (growing your family, moving, starting a new job, etc.) Other (please use comment area at the end to include more details)

Tell me about the best coaching experience you've had and what you loved about it. (If you've never received coaching, please list what you are looking for in your coaching experience.)

Power Hours are only offered on weekdays. Can your schedule accommodate this?

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Is there anything else you'd like me to know?

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The MOST efficient way to budget is based on when

The MOST efficient way to budget

is based on when you’re paid.

Number of times you’re paid each month = number of budgets you should run each month

That’s why I devoted 60+ hours to creating a template that comes with 4 options: 1, 2, 3, or 4 budgets per month.

Bi-weekly budgeters should definitely go with 3 budgets per month.

Other features of the Google Sheet to love:
👉🏽 Follows my winning framework - The 8-Part Budget™️
👉🏽 You can:
🔹Categorize your income
🔹Track spending (by category calculated for you)
🔹Track credit card transactions & payoff
🔹View auto-generated tables and summaries for annual debt payoff, saving, investing, and fixed & variable expenses
👉🏽 Tutorial videos included 😃

Comment “template” and I’ll send you the link!

#googlesheets #budgettemplate #biweekly #budgetingisfun #budgetingforbeginners #budgeting101 #familybudget #organizedmom #spreadsheets

I’m not referring to those retiring based on tim

I’m not referring to those retiring based on time of service.

Pension plan timelines are what they are, and retiring at different times based on these timelines is natural and makes perfect sense.

This question is directed to couples who don’t combine their money and don’t have pension plans as part of their current/future financial landscape.

Will you pool resources later to retire together? When one person retires, is the mutual understanding that the other person will keep working until he/she can retire? Even if that person would prefer to stop working too?

———-

Joint isn’t for everyone.

Retiring together isn’t for everyone.

My take: retirement is a joint goal, and meeting that joint goal means combining finances. Even if my husband and I didn’t want to retire at around the same time, we would still combine finances.

What’s the approach in your household?

And if you’re tempted to comment, “YoU MuSt HavE NeVeR haD a MaN rUn AwaY wItH yOuR haRd-eaRnEd mOneY,” please save your thumbs the energy. 😂 Learn before you make assumptions. 😊

#marriedlife💍 #marriednow #couplesfinance #couplesbudget #budgetplanner #budgetcoach #personalfinanceforwomen #retirementgoals #jointaccount #financegoals

I love a good notepad ✍🏽 …especially one t

Books & how they impacted my money mindset First

Books & how they impacted my money mindset

First up: The Compound Effect by Darren Hardy.

This one was life-changing. And I don’t say that lightly.

There were a few pages dedicated to the habit of tracking, and Hardy actually prompts you in the book to pick something yourself to track.

I chose social media.

I noticed I’d become desensitized to the weekly screen time alert and I found myself feeling low and uncertain as an entrepreneur. These feelings were heightened when I mindlessly scrolled socials.

I grabbed a field notebook and tracked every time I used Insta & TT. I wrote the duration and a little snippet of what I’d done during my time on the app.

After 3 days, I found myself irritated with my own behavior and lack of self-control. I didn’t want to log any more mindless scrolling, so I stopped opening the apps. I realized I needed to be much more intentional if I wanted socials to have less control over me.

By day 5, I was back in the driver’s seat. (I read TCE in conjunction with Who are you Following by Sadie Robertson Huff. I narrowed who I follow down to a handful of people while reading her book. The 2 books together helped me commit and not look back.)

I love opening my apps and knowing exactly what/who I’m going to see. It constricts my consumption. In this season of entrepreneurship, I clearly need that.

————

Tracking your spending is something I’ve done myself and coached others to do for years.

It’s fundamental to money mastery.

When you do it initially, you start to realize what types of spending really bother you - the ones that seem to have more control than you do.

Stick with tracking and you find yourself spending less in that area.

Keep sticking with it and you MAINTAIN the money behaviors you want. And if you slip, you course-correct quickly.

One small habit with an astounding impact.

I’ve coached several high-earners who tried to skip this step and wondered why they weren’t getting wealthy!

What’s the most recent book you’ve read that reinforced or modified your thoughts about money/wealth? I’d love to hear about it!

#thecompoundeffect #darrenhardy #booksthatchangedmylife #financialindependenceretireearly

If there’s anything I’ve learned… it’s th

If there’s anything I’ve learned…

it’s that your budget needs to evolve WITH you.

Take it from someone who has:
🔹gotten divorced
🔹remarried
🔹had her dream wedding + honeymoon
🔹combined finances with my husband
🔹had 2 children
🔹changed careers (and industries) a few times
🔹purchased a home
🔹visited somewhere new every year with plans to continue
…and is still on track to retire by 45.

This is the post of mine to save and come back to!

Let me know in the comments which topic you’d like me to dive into even more 😃

#weddingbudget #couplesbudget #budgetplanner #budgetingisfun #wealthbuildingwoman #womeninfinance #womenintech #airforceveteran #veteranownedbusiness #financialindependenceretireearly #firemovement #savemoneytips

Break the cycle in 3️⃣ steps: 1️⃣ Tempora

Break the cycle in 3️⃣ steps:

1️⃣ Temporarily cease credit card use
2️⃣ Pay off your entire cc balance as fast as possible, leaving enough in your checking acct to cover the essentials + a bit of a cushion
3️⃣ Once you’re at $0 in cc debt, begin to ONLY swipe your card for things that are already in your budget. (Make frequent payments so you don’t fall behind.)

👉🏽 Stop going into payday with a credit card balance.

It’s simply not a healthy habit. It’s too easy to get caught in the debt trap that way.

✨ If you’re ready to finally learn your spending, draft a realistic spend plan and unlock your first saving/investing dollars - take my $5K in 5 Days Challenge. It’s a FREE 5-day email series that includes step-by-step guides to help you get organized and get back in the driver’s seat with your money.

You’ll complete the challenge with a ready-to-implement budget and you’ll have unlocked your first $5K in savings! Comment “challenge” and I’ll send you the link!

#creditcarddebt #sixfigurechick #sixfigureincome #highearnernotrichyet #financialindependenceretireearly #budgetplanner #budgetcoach

I see this in almost every payday routine video 😩

Paycheck hits…make credit card payments.

Seemingly harmless, I know. But it is problematic and we need to unpack it!

We should never swipe against money we haven’t earned yet. Even though we know how credit cards work - we have to pay off what we spend on the cards and if we don’t pay in full and on time, we are charged interest - we are setting ourselves up for failure with this pattern of paying for last month’s spending.

I’ll break down how to stop this vicious loop in part ✌🏽!

#creditcarddebt #highearnernotrichyet #sixfigurechick #sixfigureincome #girlsintech #womeninfinance #wealthbuildingtips #budgetingisfun #budgetplanner #budgetcoach

Frankly it’d be silly for me NOT to budget. Th

Frankly it’d be silly for me NOT to budget.

The reward has become so obvious to me over the years. Now I can’t imagine life without the habit.

#budgetingcommunity

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