You Meant to Save It. Your Money Style Had Other Plans.
On payday you moved $200 into savings, feeling on top of things. A week later, at the checkout, you moved it back to cover groceries, gas, and a birthday gift you had forgotten.
That shuffle is not a failure. It is your money style: the habit that runs before any budget does.
A two minute check
Think about last month and answer quickly.
1. When extra money landed, did it stay put, get partly spent, or disappear without a clear trail?
2. When a bill came in higher than expected, did you check your account that day or put it off?
3. At month end, could you say, within about $200, where your money went?
Mostly stayed put and checked early points to a planner. Partly spent with a fuzzy trail points to a spontaneous style. Putting it off points to an avoider when money feels tense. None of these is good or bad. Each just needs a different guardrail.
Why it matters when you buy
Homes here are still selling well over asking. If you go about $20,000 over, approximate, your payment rises by about $116 a month, approximate, on a 25 year mortgage. A planner may handle that fine. A spontaneous or avoider style may need that $116 set aside on payday, plus a cushion you agree not to touch for closing costs.
Find your style
My Money Style Check-In asks a few simple questions and names your pattern, so you can build your mortgage around how you actually handle money, not how you wish you did.
No pressure, and no obligation. Just a clearer picture, and help beside you the whole way.
Always in kindness, Tonia | The Mortgage Missus Inc.
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