http://financialhealthandharmony.com/

Financial Health and Harmony Coaching, 5121 Bay City Rd, Midland, MI (2026)

07/17/2026

💰 Financially Fit Friday 💰

Most money advice tells you what to start doing.
But sometimes, financial freedom begins with what you stop doing. 🚫

Here’s your Financial “Stop Doing” List:

❌ Stop paying late fees (set up auto-pay or reminders).
❌ Stop raiding your savings for non-emergencies (Target runs don’t count).
❌ Stop ignoring your budget (it’s your money GPS).
❌ Stop buying things just to “earn the points” (rewards ≠ savings).
❌ Stop comparing your finances to everyone else’s (comparison is the thief of both joy and money).

The truth? Money leaks don’t just disappear—they grow.
Plug them today, and your future self will thank you (preferably from a hammock). 🏖️

👉 What’s one money habit you’re ready to STOP doing? Drop it below ⬇️

07/09/2026

This one was too fun to wait until ! So we're getting it a day early! 10k-dollar bill! There seems to be one for sale on eBay for $ 275,000.00! As your coach, I'd say pass on that!

07/09/2026

🎄🎅 Christmas in July? 🎅🎄

When you hear Christmas in July, you probably think of store promotions, online deals, and Hallmark movie marathons.

But the tradition actually dates back to 1933, when a girls' camp in North Carolina held a summer Christmas celebration. The idea caught on, inspired a 1940 movie, and eventually became the Christmas in July phenomenon we know today.

As fun as the history is, there’s another reason I like Christmas in July:

We’re about halfway to Christmas.

That makes this the perfect time to start planning for holiday spending before the season arrives.

✔️ Already know what gifts you'd like to buy? Set price alerts and watch for sales.

✔️ Not sure what you'll be giving? Decide on a holiday budget and begin setting money aside now.

A little planning today can make a big difference later. Spreading holiday expenses over the next several months can help reduce stress, avoid last-minute purchases, and make those January credit card bills much easier to manage.

Future you may be very thankful that Christmas planning started in July. 🎁💰

Have you ever started your holiday shopping this early?

07/07/2026

🍫🌍 Happy World Chocolate Day! 🌍🍫

Celebrate World Chocolate Day with some sweet financial tips from Financial Health and Harmony Coaching! Just like indulging in your favorite chocolate, managing your finances can be satisfying and rewarding. Here are a few tips to make your financial journey as delightful as a chocolate treat:

Budgeting is Key: Just like you might limit your chocolate intake to stay healthy, setting a budget helps you manage your expenses and save money. Track your spending to ensure you’re not overindulging.

Emergency Fund: Just as you might save a special chocolate for a rainy day, having an emergency fund can help you navigate unexpected financial surprises. Aim to save 3-6 months' worth of expenses.

Debt Management: Just like savoring a piece of chocolate slowly, tackle your debt one step at a time. Prioritize high-interest debts first and consider consolidation or balance transfers if it makes sense for you.

Smart Investments: Just as you might try different chocolates to find your favorite, diversify your investments to spread risk and optimize returns. Research and seek advice to find the right mix for you.

Financial Education: Just like learning about the origins and types of chocolate, educate yourself about personal finance. Knowledge is power when it comes to managing your money effectively.

Enjoy some chocolate today and take a step towards sweetening your financial future!

07/06/2026

is here! How was your 4th of July? Did you keep your budget in check, or do you have a Holiday Hangover from overspending? Either way, getting back on track and recovering from the holiday is easy to do; just be sure to keep your goals in mind and follow your plan. If you need help, I'd love to work with you. Give me a call today: 989-220-1964.

07/06/2026

💳✨ Understanding Credit Card Balance Transfers ✨💳

Considering a balance transfer on your credit card? It can be a smart move to manage debt, but it's essential to know what to look out for. Here are some key points to consider:

1. Introductory APR Period: Many balance transfer offers come with a 0% introductory APR for a set period. Make sure to know how long this period lasts and what the APR will be once it ends.

2. Transfer Fees: Balance transfers often come with a fee, typically 3-5% of the amount transferred. Calculate whether the savings on interest outweigh the transfer fee.

3. Post-Introductory APR: Find out what the interest rate will be after the introductory period. A high APR can negate the benefits if you haven’t paid off the balance by then.

4. Credit Limit: Ensure the credit limit on the new card is high enough to accommodate your transfer. Exceeding your limit can lead to penalties and fees.

5. Impact on Credit Score: Opening a new credit card can impact your credit score. Consider the potential effects before making a decision.

6. Payment Terms: Make a plan to pay off the balance within the introductory period to maximize savings. Set up automatic payments to avoid late fees.

By keeping these factors in mind, you can make an informed decision and potentially save money on interest. Always read the fine print and compare offers to find the best deal for your financial situation.

07/04/2026

🎆 Happy 4th of July!

Wishing you a day filled with celebration, connection, and the freedom to live life on your terms—financially and otherwise.

As we celebrate freedom and our ability to choose our own paths in life, I’m reminded of the courage, sacrifice, and vision that laid the foundation for the freedoms we enjoy today.

Independence Day isn’t just about history—it’s about honoring the American spirit: the pursuit of life, liberty, and the opportunity to shape our future with intention and hope. To me, financial freedom is one of the many ways we continue that legacy. Through Financial Health and Harmony Coaching, I’m grateful to walk alongside others as they build lives grounded in confidence, independence, and choice.

Stay safe, be well, and enjoy the holiday!

07/03/2026

🎉 Financial Tip Friday: Celebrate the Wins You Can’t Deposit 💰

We often measure financial success by how much we’ve saved or how much debt we’ve paid off—but there’s so much more to the story. 💬✨

👉 Did you stick to your grocery list this week?
👉 Talk to your partner about money without a blow-up?
👉 Say “no” to that impulse buy you didn’t need?
👉 Open your bank app without flinching?
👉 Finally make that overdue doctor’s appointment because it’s part of your self-care budget?

That’s a win. And it matters.

🌱 Financial growth isn’t just about the numbers—it’s about the habits, boundaries, and mindset shifts you build along the way.

So today, take a second to recognize the progress that might not show up on your bank statement—but definitely shows up in your life. 💛

👉 What small win are you proud of this week? Drop it in the comments and let’s celebrate progress over perfection. 🙌

06/29/2026

is back! Today we have to talk about Lunch, and Dinner!

Breaking Down Delivery Costs:
When you order food delivery, you pay more than the menu price in several ways:

Menu Markup: Restaurants often charge 15-25% more for items on delivery apps than in-store. A $10 in-restaurant meal might be $12-13 on the app before any fees are added. Restaurants do this to offset the 15-30% commission they pay to delivery platforms.

Delivery Fee: The visible fee that varies by distance, demand, and platform. Typically $2-8 per order.

Service Fee: Often calculated as a percentage of your order, typically 10-15%. On a $30 order, that is $3-4.50 extra.

Tips: Expected compensation for drivers, usually $3-7 or more depending on order size and distance.

Ordering food might seem like the easiest option for you, but its the hardest on the wallet, so keep that in mind when thinking about your monthly food budget each month!

06/29/2026

Are you in the market for a new place to live? With our current housing situation, prices and availability can make either renting or a home purchase challenging. Here are the five best financial tips to ensure you make a smart, budget-friendly decision:

1. Set a Budget: Determine how much you can afford to spend on rent or a mortgage each month. A good rule of thumb is to keep housing costs at no more than 30% of your monthly income. Don't forget to account for utilities, maintenance, and other related expenses.

2. Research Locations: Look for areas that fit your budget but also consider factors like proximity to work, public transportation, and amenities. Sometimes living slightly further away from city centers can offer more affordable housing options without sacrificing too much convenience.

3. Check Credit Score: Your credit score can significantly impact your ability to rent or secure a mortgage. Make sure your credit is in good shape before you start your search, and take steps to improve it if necessary. This can help you qualify for better rental terms or lower interest rates on a mortgage.

4. Factor in All Costs: Beyond rent or mortgage payments, consider additional costs like security deposits, moving expenses, and potential increases in utility bills. If buying, include property taxes, homeowners insurance, and maintenance costs in your calculations.

5. Negotiate: Don’t be afraid to negotiate terms. Whether it is rent, lease duration, or included amenities, landlords and sellers may be open to discussion. Even small concessions can lead to significant savings over time.

Happy house hunting!

Are you looking for assistance in preparing for that home purchase? Schedule a complimentary phone call with me to discuss ways I can help.

https://FinancialHealthandHarmony.as.me/?appointmentType=40589094

Financial Health and Harmony Coaching

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