Financial Health and Harmony Coaching

Name: Financial Health and Harmony Coaching
Address: 5121 Bay City Rd, Midland, MI, 48642, US
Telephone: +19892201964

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Financial Health and Harmony Coaching

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Save for tomorrow without forgetting today!

11/02/2026

If you want to get a better understanding of your finances, work towards reaching your savings goals, maybe even paying off your debt, give me a call. Financial Health and Harmony isn't here to take away the little things you love, but perhaps to show you how you can enjoy them more, and more often.

10/30/2026

🎃 Halloween isn't even over and...

🎄 Christmas decorations are everywhere.

Which means it's officially time for the annual:

“How is it already November?”

Before the holiday season gets away from you, take one hour this weekend.

Look at your calendar.

Look at your bank account.

Look at your upcoming expenses.

And make a plan.

Not a perfect plan.

Just a plan.

Set aside an hour this weekend to look ahead.

Because November and December are coming whether we're ready or not. 😉

10/29/2026

Would you spend $100 on a Halloween costume if that meant taking the money from something else that needed it? Financial coaching isn't here to tell you not to get that costume, and if you budgeted for it, go get it now, but the problem is not budgeting and taking those funds from somewhere else that perhaps needs it more!

10/28/2026

Halloween spending can sneak up on you.

Costumes.
Candy.
Decorations.
Parties.
School events.
Pumpkin patches.
Hayrides.
“Mom, I need this for Halloween tomorrow.”

And suddenly October has its own little spending category. 🎃

Here's your reminder:

Seasonal spending is still spending.

That doesn't mean you shouldn't enjoy it.

It means it belongs in the plan.

Spend on the things that make the season fun for you.

Skip the things you don't actually care about.

Before Halloween spending gets out of hand, decide what actually makes the holiday fun for you. Spend there. Skip the rest.

10/26/2026

🎃 Every money horror story has a beginning...

Sometimes it's:

“I'll figure it out later.”

Sometimes it's:

“It's just one purchase.”

Sometimes it's:

“I have no idea where the money went.”

And sometimes it's:

“Christmas is HOW MANY WEEKS AWAY?!”

😂

The good news?

You can always change the story.

Let's make the rest of 2026 a little less scary financially.

🎃 What’s your biggest financial “horror story”? Drop it in the comments—or keep it safely locked away in your financial vault. 😂

10/23/2026

Trick or Treat: Financial Edition! Budgeting and saving hold a surprising number of treats for those brave enough to take them on. The tricks are pesky, but we can fix those!

10/23/2026

If you're thinking...

“I make enough money. Why does it still feel like there's never enough?”

You're not alone.

Sometimes the problem isn't income.

It's the lack of a clear system for where the money is going.

If you'd like to talk through what's working, what's not, and where you'd like to go next, a complimentary Financial Clarity Conversation can be a great place to start.

No cost.
No pressure.
No judgment.

Just a conversation about your money and your goals.

💛 Let's talk. If this sounds familiar, schedule a no-cost Financial Clarity Conversation. No pressure. Just a chance to talk through where you are and where you want to go. https://FinancialHealthandHarmony.as.me/?appointmentType=40589094

10/21/2026

You don't need a fancy spreadsheet to create a holiday spending plan.

Start with three numbers:

1️⃣ What can I realistically afford to spend?

2️⃣ What do I expect to spend?

3️⃣ What's the difference?

That's where the real conversation starts.

If the number you want to spend is bigger than the number you can comfortably afford, that's not a failure.

It's information.

And information gives you choices.

Adjust the list.
Change the plan.
Prioritize what matters.
Start earlier.
Spend differently.

The goal isn't a “perfect” holiday budget.

It's a holiday season you can enjoy without regretting the January credit card bill.

💛 That's financial health in real life.

If you're making a holiday spending plan and aren't sure where to start, let's have a no-cost conversation. Sometimes it helps to have someone outside your finances look at the big picture with you. https://FinancialHealthandHarmony.as.me/?appointmentType=40589094

10/19/2026

“It’s only $20.”

Famous last words. 😂

One $20 purchase isn't usually the problem.

It's the fifth one.

And the seventh.

And the “while I'm here...” purchase.

And the online order that started with one thing and somehow became $86.

This fall, start paying attention to the little purchases that happen without much thought.

Not because every purchase needs to be questioned.

But because mindless spending and intentional spending are two very different things.

Money doesn't have to be restrictive.

It just needs to have a job.

Take a look at your own “it’s only $20” purchases this week. What are you noticing?

Address

5121 Bay City Rd
Midland, MI
48642

Telephone

+19892201964

Website

http://financialhealthandharmony.com/

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