Jennifer Moran Financial Coaching

04/16/2026

Many of you have already filed your tax returns, and if you overpaid last year, you may have received—or will soon receive—a refund. This is a friendly reminder to use that money wisely.
While your first instinct might be to treat yourself, I encourage you to take a moment to take inventory instead. Do you have outstanding debt such as credit cards, a car loan, or student loans? Do you have at least three months of expenses set aside in an emergency fund? Could you benefit from increasing your investments?
I know this isn’t as “fun,” but what’s truly not fun is the stress of constantly being in debt. Making thoughtful choices now can create peace of mind later—and your future self will thank you.

04/15/2026

03/18/2026

01/05/2026

I'm not a huge fan of New Year's resolutions but in my experience, starting off a new year with new financial goals can have a lasting impact. Whether you want help with budgeting, how to save money for a vacation, or finding more money to invest in your retirement, I can help you jumpstart the process. Email me at [email protected] or send me a private message to schedule a complimentary hour session to see if we are a good fit!

11/28/2025

'Tis the season! The next month is generally a month of excess but that can lead to regret. It is easy for all of us to get caught up in spending and gift giving. If you have kids, that becomes even more challenging. Here are some tips on budgeting that could make a big difference for you and your family:

* Determine your income and expenses for the upcoming month and determine what your family (with your partner/spouse if applicable) will spend for gifts, travel, entertaining/food, and decorating.

* Use the holiday expense tracker (I have an excel spreadsheet that I am happy to provide if you message me) or an app to track your expenses and stay on track.

* Explain to the kids why Santa has a budget. That was always a challenge for me when my daughter was younger. I explained that Santa still had to pay for the supplies, so her list needed to have a spending limit.

* Meet twice a week if you are sharing expenses with another adult in the household to ensure that you are sticking to your budget.

* As a present to yourself, start using an expense tracking and budgeting app for 2026 so that you can start putting a money aside each month for holiday expenses in 2026. I use Monarch Money but Quicken and Rocket Money offer these services as well.

I hope that each of you have a wonderful holiday season!

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10/16/2025

Back in the "old days," destination weddings and destination bachelorette parties weren't a thing. They are very popular now, but young adults are sometimes making the decision to go into debt to attend and/or be in the wedding party. You CAN say "no". Here are some wise words from Your Rich BFF:

Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube.

07/15/2025

This is some excellent advice from Dave Ramsey. Unlike Dave, I was given an allowance that wasn't attached to chores. Chores were an expectation, and I regularly (jokingly) told my parents that they had kids for free manual labor. Getting an allowance helped me learn how to budget money and save. They said "no" a lot when it came to wants. We had everything we needed. Between managing my allowance, being expected to participate in both indoor and outdoor household chores, and working or saving for anything that was a splurge, I entered adulthood understanding I would have to work very hard and say "no" to myself when it did not make financial sense. I also learned how to be frugal, not stingy, from watching my parents. They were generous to others in need while living below their means, ensuring they were prepared to send us to college and save for retirement. As parents, we can spend a lot of time encouraging our children to grow up and get a job that earns a certain amount of money, but we don't always teach our children how to manage that money effectively.

07/13/2025

This is a helpful article on subsidizing your adult child's expenses. As a young adult graduating from college, I was eager to move out and focused on saving by spending less than I earned. I achieved this by finding a roommate, working a full-time job, securing a part-time job, and limiting my spending on "wants". I only charged expenses that I knew I could pay off at the end of the month and started contributing to my company's 401 (k) as soon as I got my first full-time job.

Things have changed quite a bit since I was a young adult. Many of today's parents are still helping with expenses because their adult children are spending too much money on "wants," and parents are inadvertently (and with good intentions) setting up their child for long-term dependency on that financial help.

Here, we explore five specific expenses parents should consider withdrawing from, encouraging their adult children to take the reins of their financial future.

05/29/2025

When does it make sense to gift financial coaching to an adult child?

1). Your son or daughter has approached you with their financial issues.
2). They have expressed that they are ready to change behavior and mindset and don't know exactly how to go about it.
3). They are often asking for financial assistance from you.
3). You realize that you are too emotional and/or concerned about their situation to offer unbiased support and guidance.

I get it! My teenage daughter is not super open to my financial guidance. As parents, we can come across as judgmental, but this comes from a place of love and fear.

With the cost of living, economy, and the lines blurred between "needs" and "wants", finances are a struggle for many adults, especially those who are in the first five to ten years of "adulting".

They have the opportunity to establish healthy habits during these years that can last a lifetime!

05/20/2025

We've all experienced it: facing a difficult situation we've created for ourselves can be challenging. It can be easier in the short term to ignore an issue, which often stands in stark contrast to having a well-thought-out plan. When it comes to finances, confronting issues that disrupt our peace can be tough, but it's definitely worth it! As your coach, I can tackle these challenges with you.