• You can buy the car.

• You can go back to school.

• You can buy the big house.

• You can wear the right brands.

But here’s the truth most people don’t say out loud:
You CAN…but you can choose not to.

Just because these things are common, just because people think these are things you should do and have, doesn’t mean they align with your bigger goals. Sometimes, expenditures like this hold you back rather than move you forward; sometimes they create barriers rather than removing them.

You’re allowed to make financial choices based on what you actually want — not what looks impressive, expected, or “normal.”

Download today’s worksheet and start practicing financial freedom on your own terms:

July 19th - You CAN, but you can choose not to

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Five dollars here, $10 there. Does it even matter?

Absolutely. If you give them time, you’ll see how small, seemingly inconsequential amounts of money add up over time.

• Cancelling a $17 monthly subscription you don't use saves you over $200 per year.

• Putting $5 per week towards new tires equals $260 per year.

• Skipping the $3 impulse buy three times per week saves you over $465 per year.

The amounts feel small, but the progress is real. Identify areas in your own life where you can make these adjustments:

July 18th - Little things make a big difference

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Everyone has THAT moment - the final straw.

• The payment that bounced.

• The conversation that left you in tears.

• The day you finally truly felt it: “I can’t keep living like this.”

It’s not just a breakdown, it’s a turning point.

What if that final straw could be the last time you ever felt that way?
What if it could be the moment that changed everything - not because of shame, but because you acknowledged your power?

Start unpacking your reasons why now is the time to take control of your financial future:

July 17th - What was the final straw?

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Have you ever received a gift card or money windfall and you felt pressured to spend it “the right way” or on something super special?

You either overthink it, save it forever, or use it on groceries you already buy every week, even though part of you wants to treat yourself. Or you blow it on something you later regret.

Here’s a better way: plan ahead by deciding in advance.

Make a list of what you’d really want to spend extra money or a gift card on, with no guilt or stress, just intention.

Making lists like this is a useful way to see how your desires shift once you’re out of the moment and able to think about these types of things with your whole life in mind.

And it goes beyond gift cards.

• Which streaming services would you actually watch, not just because they’re on sale?

• What kinds of clothing or household replacements would really be useful?

• What classes would you most love to take?

• Which memberships or tickets would be most exciting?

• Where would putting extra cash make the biggest difference?

Get your own worksheet to guide you through curating a list:

July 16th - Make a list for gift cards

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