Blue Collar Financial Coaching

Terina Bainter

Celebrating my Daughter-in-Law’s Birthday and the Journey Toward Financial Coaching

This month marks a special day in our family as we celebrate my daughter-in-law’s birthday. As I reflect on the journey that led me to become a Financial Coach, I can’t help but think of the pivotal role my son and his wife played in this decision. After their wedding, my son and daughter-in-law approached […]

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Stockpiling Smiles: How Dollar Store Greeting Cards Bring Joy, Connection and Savings

I see the need for personal connection and support becoming more important than ever with the busier and more distracted we have become. One way I like to stay connected to others is with greeting cards. I absolutely love picking out a variety of greeting cards so that I have a stockpile at home. Having

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Master Your Money: The Power of Separating Daily Spending from Other Expenses

Today I want to talk about the idea of separating out your daily spending money from your bills, and how this one change can bring awareness, clarity and ease to your budget.  What makes this so powerful is that you will ultimately gain clarity and control on what you are spending your money on. As

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How to Avoid Buyer’s Remorse By Finding Clarity In Your Core Values!

Have you ever stopped and considered why you feel buyers remorse?  What if I told you that knowing what your core values are can help eliminate buyer’s remorse. Most people have never heard of or explored what their core values are, never mind thinking about how they relate to your money. In addition, knowing your

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Ball-Driven Bliss: How Planning for Your Pet’s Unexpected Expenses Can Save the Day

Our dog, Anna Banana, was the most ball-driven dog I have ever met in my entire life. She had no other thoughts when someone was holding a ball. We had friends who lived on a lake and she loved it when we threw the ball from the patio tumbling downwards toward the lake. There was

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The Best Christmas Gift: Creating Personal Coupons for Meaningful Holiday Presents

A few years ago I received the best Christmas gift ever! My kids made coupons for me that I could cash in when I wanted or needed something. Let’s say I was missing time with my boys – I had coupons available to use for things like: I had coupons that I could cash in

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Rediscover the Joy of Giving: How to Transform the Holiday Season by Redefining Gift-Giving

I’m a giver and I love giving gifts! So limiting who I was giving gifts to, or how much I was going to spend, was a struggle for me for years. But something had to change – I had been noticing the amount of stress and chaos that I was causing myself around the holiday

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Learn How to Navigate Unpaid Holidays and High-Cost Months with the Blue Collar Budget

Between unpaid holidays and high cost months, this time of year can mark the start of a difficult and expensive few months. Now is the time to get prepared, so that you can reduce the financial burden and the stress that can come with it. If you are interested in learning more about how to

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Save Money and Create Memorable Adventures: How Packing Lunches Can Transform Your Family’s Finances

Give family members the option of either buying hot lunch or packing a lunch and using the money that you would have spent for an adventure. Start off small – if we pack a lunch, we can use the money to go out for a dessert date, go to a movie, or play a round

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