Full Potential

WHERE DO YOU BUY YOUR MONEY BRO? Pop culture is what everyone is doing, it’s the direction of the pack, the flow of the river, the popular thing. ...Continue reading

FULL POTENTIAL Career Life Financial Hey everyone it's Adam Charbonneau here and this first blog post wasn’t set to hit the press for awhile. I wanted to sound just the right amount of clever to keep people reading. However, in times like this I would just like to offer some help. ... COVID has turned our lives upside down: isolation periods, quarantine’s, layoffs and plain old uncertainty about the future. When it comes to our finances, which most people would rather tell you about their sex life then talk about their money, we need to be intentional. A few years back I ran into a fellow by the of name Dave Ramsey who was changing the conversation around money in North America. It was ground-breaking stuff, save your moneythen buy something, live on a budget and don’t borrow money. He called it God’s and grandma’s way of handling money. My wife and I made the pilgrimage to Nashville Tennessee to take his training and become certified financial coaches. I wish this post was some magic recipe we learnt to help in these times, but the best wizardry I can offer in this moment is; every month whether you make one, ten, or a hundred thousand you need a budget. And not the five item special you have in your head peter pan (-: A real life, on paper, multi itemed, zero based budget. If you are making a budget for the first time or you already have one, put THE FOUR WALLS right at the top, we’ll get to those in a sec. When unexpected emergencies like COVID hit we tend to do some funny things. We become reactionary and usually run in the direction that yells the loudest. We pay credit cards before light bills and vehicle payments before groceries. Things can get a little frazzled. We need to cover the essentials and go from there. THE FOUR WALLS ARE: FOOD, UTILITIES, SHELTER, and TRANSPORTATION. If your income has been compromised during this time don’t pay anything else until those needs are met. Even within those items we might have to reel it in a bit. You know, park the caviar and hang up the lobster, trade the Lambo for a Pinto and drain the hot tub. But seriously, we might have to make a few sacrifices until things stabilize, and there is no shame in a baloney sandwich and a glass tang! If your situation is more serious then the above, and we realize many are right now, we would love to help. Being short on money is never fun in fact it can be terrifying. If you need help navigating this crisis, whether making a budget for the first time or figuring out how to get through the next few months with a shortage of cash please private message, call, text or email us at: 780 614 5636 [email protected] We would love to help!