A Money Coach in Canada

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In my January series about changing money habits the focus to date has been on working with our strengths rather than relying heavily on will power. This leads to greater probabilities of success.

Here’s another known phenomena. Too many choices paralyze us. Once again, we need to work with ourselves, not against ourselves. This means we need to narrow our habit changes. This is counter intuitive. We typically want to get going and getridofourdebt|createandkeepabudget|shopmorefrugally|sockmoneyintoourRRSPs all at the same time. No. No, no, no.

Focus on One Thing At A Time.

So here’s a question I’ve asked before and I’ll ask again: What one small money habit, if you applied it regularly and consistently over three years, would have a dramatic (positive) impact on your finances?

ps – My offer to take my money-coaching online program at no charge in exchange for being a beta tester has flown off the shelves! I have room for a few more. Interested? Check this out.

About the Author

Imagine if Canadians were known for being all over their money. Engaged. Proactive. Getting out of debt. Savvy. Saving. Generous. Nancy wants to help. Nancy started her own journey with money over 15 years ago, and formed her company “Your Money by Design” in 2004 to help others along the same path. It’s not the usual financial advising/investment stuff. It’s about taking control of day-to-day finances –managing monthly cashflow effectively, spending appropriately, getting out of debt, saving. If you're ready to take control over your finances, pop by her business site, YourMoneybyDesign.com


  1. brad

    I think the Canadian personal finance calendar lends itself to this kind of focus, but in a serial way. I think of it as “saving like an ape,” because I feel like I’m swinging from one goal to another the way a gibbon goes through the forest by brachiating from one tree branch to the next. From January to March everything is focused on saving for my RRSP. From March until May or June, everything is focused on making an extra lump-sum payment toward my mortgage (I use my tax refund as the base and then save as much as I can to augment it). From June through August I focus on enjoying life 😉 From September to the end of the year I focus on saving enough to max out my TFSA on January 1st. And then the cycle begins anew. Yes, it would probably be more efficient to spread my savings for these goals throughout the year (and especially it would make more sense financially for me to increase my biweekly mortgage payments instead of doing a lump-sum payment), but I use this approach because having one goal at a time helps me focus and stay motivated.


    Jan 23, 2011
  2. Iain Coulter

    Hi Nancy,
    I would love to beta test your program.


    Jan 23, 2011

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