Amanda Gibson

We are at a Latin Food Festival Today at 49 Ferris Lane. Come check it out. It's AMAAAAZING!!!

Have you taken time to look ahead? Take some time to do this in different areas of your life, but have a plan that will project this for you financially.

Where would you like to be financially in 5 years? Also, with what you are doing now, where will that get you? What is your debt freedom date at the current pace you are going? How much interest will you pay? How much will you have saved and invested?

Is there something that you can tweak to slightly change the trajectory just a little and make a huge long term impact? In my experience, there always is. And that's an exciting thing, not a scary thing.

Where could you be in 5 years?

Do you have a financial plan that allows you to get by or do you have a financial plan that is moving you forward?

You work hard for your income. You should have the peace of mind, joy, excitement in knowing that your money is going to work for you. Your money should be feeding your goals.

Your money should be growing, multiplying and creating future choices for you.

That's how you build freedom by achieving financial independence.

Most people have the right type of registered accounts but they are sitting in the wrong place.

If you have a TFSA (Tax Free Savings Account) or an FHSA (First Home Savings Account) good for you!!! However, if those TFSAs or FHSAs are sitting in a bank account, they are going to grow as well as a seed left in the packet.

The whole purpose of having a tax sheltered registered account is to have money grow without being taxed on the growth of that money. If you are not getting a decent amount of growth, you are not getting the full advantages of these accounts.

Please feel free to connect with me for more information on anything I share. Let's make growing your money a priority!

If you are setting money aside, good for you!! You are ahead of most people. But if your money is only making 1-3% then it is either underperforming inflation or just keeping up with it. It's not really growing and working for you.

I understand there can be an element of fear that goes along with that. The financial industry can use fear mongering as a way to keep people from moving on to better places but staying stuck does not equal safety.

It can be hard to know what to do with your money without the right knowledge and yes, that can feel so overwhelming.

I love giving people knowledge about investing in a way that makes sense for them. I would love to chat with you further on how you can make your money work better for you!! But also, scroll through for some free tips on how to make investing less scary!

Most people don't need to make more money... they need to stop the leaks.

Before you try to make more ask yourself.. Where am I wasting money
Take some time to go through your bank account statements, create a spending plan.

You may need some extra income but in the meantime, finding leaks and stopping them is a quicker fix than increasing your income. It will create instant breathing room.

If you would like to sit down and take a look at some ways to get out of debt faster without spending more, or if you need help with finding leaks and creating a breathable spending plan, reach out to me!

Here's what debt is REALLY costing you...

That $300/m...

It could be investment money. Investing that money for 5 years..

6% 21.036
9% 22,797

It could be reducing your mortgage. If you have a mortgage amortized over 25 years with an interest rate of 5% and you add $300/m to the payments you could..

Pay it off 5 to 7 years faster
Save tens of thousands in interest ($60-$100K+)

Or if you are wanting to buy a home directly reduces what you can afford so it reduces what you will be approved for. It can reduce your approval by around $50,000.

Debt doesn't just limit your money, it takes your future!

If you would like to look at some strategies for debt reduction, along with a plan to not need to lean on debt moving forward once it's gone, reach out to me. I would love to help!!

"It's only $300/month...."

This is how most people justify debt. A car payment, a credit card, a line of credit.
And sure, $300 feels manageable, but stack a few of those? Now you're stuck.
Not because you don't earn enough - but because your money is already spoken for.

How many monthly payments do you currently have?

Imagine knowing exactly what's coming in and going out.
Imagine having a plan for your future that you are excited about.
Imagine feeling confident about your finances instead of stressed.

That's what happens when you clean things up financially. And no - it's not as complicated as you think. You just need the right structure.

I have a few spaces for some Financial Spring Clean Audits this month! Reach out to me if you would like to connect on this or have any questions.

Enjoy this beautiful Spring day!! 🌱🪻☀️

1. You check your bank account more than you would like to admit.
2. You feel like you should be further ahead by now.
3. You don't have a clear plan for your money.

If even ONE of these hit you could benefit from a Spring Clean Audit

It's not a money problem, it's a system problem.

Clarity creates control, control creates confidence.

Message me if you want help organizing everything!

Do you ever feel like this?

You get paid.. You pay bills.. Swipe and click a few times... It's Gone
No clear reason... Stress!!

It's not because you are bad with money. It's because you have never been given the right tools to organize your money.

Most people are not struggling because they don't make enough.. it's because they don't have the clarity and need a new perspective.

Be honest.. do you know where your money goes every month?