You're Not Alone

Let me tell you a secret…
Most people are struggling with their finances — but nobody talks about it.

We scroll past people living their best lives online, we compare, we wonder, and sometimes we spiral — but rarely do we talk about the reality behind closed doors. I’m here to normalize what so many people silently carry: the stress, the confusion, the fear, and yes — even the shame — around money.

You’re not alone. I’ve been there, too.

For years, I didn’t have the tools or the language to manage my finances. I knew I was working hard, but I wasn’t sure where my money was going or how to make it work for me. It’s overwhelming. It’s daunting. And it can feel like a full-time job just to keep up. But here’s what I’ve learned: it’s worth facing those feelings head-on. Because on the other side of that discomfort is freedom.

Let’s Talk About Budgets (Don’t Run Just Yet)

I know the word “budget” can sound restrictive — like it’s all about what you can’t do. But I want you to flip that script. A budget is really about giving you control. It’s not about saying no, it’s about saying yes — to your goals, your peace of mind, and your future.

When I first got married, we didn’t have a budget. Money came in, bills got paid (mostly), and the rest kind of floated away. Then we sat down with a financial planner who told us something I’ll never forget:

“Every family deserves at least one vacation a year. You work hard — plan for joy.”

So, we created a vacation fund. It was simple, but powerful. We wanted our daughters to have their first beach trip. So we saved a little at a time, and when they turned two, we booked a trip to Florida. Watching them touch the Atlantic Ocean for the first time? That memory still lives in my heart. And it happened because of a plan.

So, Where Do You Start?

If you’ve read this far, you might be wondering how to take that first step. Good news: it doesn’t have to be perfect. Here are a few things you can do today to start your journey toward financial wellness:

1. Ask for Help

You don’t have to do this alone. Find a trusted financial coach, a mentor, or a supportive friend who’s good with money. Talk about your struggles without shame. It’s okay to say, “I don’t know where to start.”

2. Know Your Numbers

Log into your bank account. Look at your recent transactions. Get familiar with how much is coming in — and where it’s going. Awareness is the first step to change.

3. Create a Simple Budget

Start with the basics:

• Income

• Fixed expenses (rent, bills)

• Variable expenses (groceries, gas)

• Goals (savings, debt payments, a vacation fund)

Even a rough outline can help you feel more in control.

4. Celebrate Small Wins

Paid off a credit card? Cooked at home all week? Put $25 into savings? Celebrate that! Progress is progress.

5. Dream a Little

What do you want your money to do for you? A home? A trip? A stress-free retirement? Let your goals guide your budget — not guilt.

At Moneynomics, I created this space because I believe in the power of community and education. Financial literacy changed my life — and it can change yours, too. Whether you're starting from scratch or starting over, know this:

You are not behind. You are not broken. You are not alone.

The journey to financial freedom begins with one step. And I'm walking with you.