Dalton Howard Coaching

04/08/2024

Just Curious:

What's the best piece of advice you've ever received? Share in the comments! Lets learn from one another!

08/17/2023

Comparison will steal your joy.

I rode my bike this morning and I heard myself saying "your neighbors have much nicer bikes with all the bells and whistles, why are you a cheapskate?"

How judgy!

So I told myself something different "I choose to spend my money the way I want!" And I felt better.

Just because all of your friends LOVE running, it doesn't mean that you need to (I don't). Accept your priorities and be proud of them!

In short, your priorities are unique to you, don't let the Joneses tell you how to spend your time, money, or energy.

Ps I'll get a nicer bike when I'm able to use it more regularly. 😉

08/16/2023

Important reminder. The most important part about being a good money manager, is being able to use it for others.

It's easy to get bogged down by my struggles, but generosity can help me take a step back.

This quote by the former first lady reminds me that all I have and all I am is meant to be a blessing to others, how can I best pursue that?

08/10/2023

Current events!
Its been a doozy of the last few months.
Here are a couple of highlights that stick out to me:

1. Student loan payments are back. Interest will begin accruing after a pause of 3+ years, a major shift in the way many folks budgets will look.

2. Credit card debt climbed above $1 Trillion (aka $1,000,000,000,000).

The economy might appear to be doing well but I think that many households might be hurting come the student loan payments.

Now is a good time to play offense. Get on the attack!

Increasing interest rates and increasing prices have gotten American's into sticky situations. This debt is a big load, but you can fight it... one step at a time. What is your first, or next step?

The world may change, but you can stay on track!!

If you want to find more breathing room, let me know I'll be happy to help!

04/14/2023

April newsletter is hot off the presses!

Since day is next week ( 😵 ) AND it's this one is chock full of fun.

Check it out and subscribe here: https://mailchi.mp/a5b6ca134376/hows-your-money-april-edition

Love you all, take care of yourselves 😊

Newsletter for March, subscribe here!

04/13/2023

Its !

Literacy is cool! I want you to go deeper than that. Lets aim for Financial Well-Being.

Financial well-being goes deeper than the activities and visible signs of being "good" with money. Just because you have money, doesnt mean that you have a healthy view of it.

Budgeting, Investing, and stacks on deck are great things! But what I want for you is to dive deeper on this iceburg.

Learn about your relationship with money.

How do your emotions impact the way you manage your finances?

Get your spending to align with your values! (I love this one!)

DM me lets talk about it! 😊

04/11/2023

I often hear from people that it's too late.

Let me tell you a secret. Its not.

The life that you want to live is close. You are not a victim to your circumstances. You can use your past and your experiences to your advantage. You are uniquely you.

Don't get me wrong, change can be painful.

Starting a business is hard, paying off debt is hard, being 'weird' is hard.

If you ask anyone who's chased their dreams they'd say it was worth it!

What do you want to START today? It won't be perfect and you might be called weird, but it will surely be a huge growth experience.

Start now!

03/31/2023

You can do it!

Whatever you're working towards today, this week, month or year...you CAN do it!

Give yourself grace as you work towards your dreams. You didn't learn to run before you learned to walk, use the missteps to grow and learn!

Surround yourself with encouragers and truth tellers.

Tag someone you're cheering for in the comments!

03/30/2023

This is hard to believe!

You can be good with numbers or a high income earner and still not be good with money.

Being good with money isnt all about income, its also about behavior. We've all heard stories about people who had great wealth at one time and ended up bankrupt. (The Athlete, The Lotto Winner, The Businessperson)

Why is that?

I don't know each specific story. But there is a behavioral or emotional element to finance that can be overlooked. Hear me out:

Personal finance is more than math, it's also:
1. self awareness
2. your upbringing
3. your relationship with money
4. your relationship with your partner
5. your habits

As a financial coach I help people identify those behaviors and shift to be full of hope that they'll be the money manager their household needs.

Book a discovery call today! https://buff.ly/3Z89yv5

03/28/2023

Out of curiosity! What would you do?

03/21/2023

One thing that causes us to be discontented is thinking about ourselves too much.

Not being humble is a trap.

So today do something nice for someone else. Something new. It will change your perspective. You'll probably feel good about it too! What do you have to lose? Go for it!

03/16/2023

Student loan payments have been paused for 3 years now.

They'll likely restart at some point (and the forgiveness plan is only good for up to $20,000).

Remember what it feels like to not have this payment and use the motivation to get back to "no student loan payment" sooner. No payments feels better, I promise.

The question is, HOW do you get ready for this expense to come back whenever it does?

Tip 1: (You're not gonna like this one)

Start paying it now.

Tip 2: Budget for it, but don't pay until you have to. This way you know you can fit the payment into your lifestyle.

Tip 3. You could Sell some stuff to get a head start too! When you make additional payments you MUST tell them that you want to put it towards "Principal only".