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Creating an Intentional Spending Plan

Why budgeting is the wrong word and how we can manage our money without obsessing over every purchase.

I recorded this workshop for a live group, and I’m putting it in the free library because I think it’s one of the most important conversations I have.

Budgeting is not exciting and the word itself is restrictive in a way that’s not helpful. The implication is “I need to spend less and here’s how little I’ll spend on these things.”

A better frame for managing your money is to decide how to allocate your dollars intentionally. This way you’re focusing on using your money to get to where you want to go, versus creating restrictions for the sake of saving.

This matters more than people realize. When my mom was left with two babies, a mortgage, and no financial backup plan, she didn’t have options. Not because she wasn’t smart or capable — but because she’d never been given the tools to manage her own money. Watching her navigate that was the moment I understood that taking control of your dollars isn’t just about saving more. It’s about having agency over your own life.

This workshop is for you if you have income but you’re not totally sure where it goes. If you’ve tried budgeting before and it didn’t stick. If you want to feel less stressed about money but don’t know what to actually do differently.

We cover the psychology behind why strict budgets fail, why the 50/30/20 rule doesn’t reflect most people’s real lives, and how to build a simple system you can actually automate.

Watch it. Take notes. Pick one thing to do differently this week.

That’s how this stuff actually changes your life.

Cheering you on always,

Tess

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