When we think of self-care, we may imagine sipping on a fruity drink on an island or just relaxing during a massage. What about finances though? While most don't think of finances as a part of self-care, they are an essential element because without finances being in check, you probably will not be able to get that massage or fruity drink.
Caring for your finances is caring for yourself and having someone who wants you to be financially secure and on the road to financial success is a great person to know. Luckily, Kristy Runzer of OnRoute Financial is that person and has helped tremendously in tracking my finances and keeping me working towards financial and personal goals.
Kristy studied Finance at Penn State University and ultimately had two decisions she could make before jumping into the financial world--move to a job in corporate finance and have a steady paycheck or create her own business. Of course, her entrepreneurial side won the battle, and she now focuses on helping smaller businesses and women with their financial journey to success.
When first meeting with Kristy, she will want to know your goals, which is a great first step. Maybe you have lost track of goals only because money has become a burden or feel you cannot obtain them. Luckily, Kristy does not have this philosophy and will guide you through your goals and remind you that no goal is too far-fetched. This is also a great section of our time together because it recharges all of those lost plans I had because I felt that I could never reach them!
After looking at goals, quantifying them into dollars and cents, and placing them up against a few monthly numbers. Kristy then took those bits of information and fleshed them out into a full-fledged financial plan. Not only does she place my goals into the plan, but also ways in which to save and organize my money come tax time. A revenue tracker, business expense sheet, goals plan, and monthly expense sheet are all given to me to keep myself organized and accountable for my money success and gives me ways on how to pay my bills while still reaching my goals. Also, a business expense tracker will save me so much time come tax season, am I right freelancers?
Suggestions Kristy made were opening separate accounts with an online bank for my goals, such as vacations and conferences I want to attend, with an "out of sight, out of mind" type approach. The money will transfer from my bank account into these online accounts, and I can regularly be saving--even if it's only $10 a month.
Kristy also offers other more psychological approaches to money such as asking what I see when I visualize money. When I give her my money personification, which is intimidating and dark, she counters it by offering some great podcasts to help change my money mindset to welcome money and not fear it.
This is two-fold, with both financial self-care being taken care of as well as personal self-care and partially a little self-esteem work in the mix as well. Kristy is warm, welcoming, and professional in her work and wants you to succeed with money. She will never judge, takes the time to get to know your money story, and will get you to your goals and figure out an attainable time frame. No goal is too outlandish for her, and it shouldn't be for you.
Having a better handle on finances is key to self-care, so next time you are wondering how you can take care of yourself, maybe it is as simple as opening up your bank account and seeing how you can make your goals happen--one cent at a time.
Kristy not only does personal financial services but also hosts different monthly meet-ups for women in the Philadelphia area needing some help and inspiration on going through their financial journey. Visit OnRoute Financial for more information about services and upcoming events.
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