Rachelle Langlois, CFP
312 304th Street V1A 3H3 Kimberley, BC, Canada

Good morning, friends! Remember: every day is a new opportunity for your money, and your relationship to it, to evolve and change for the better. Every moment holds the potential for you to make a life-changing decision about your finances even it seems like a tiny choice at the time. For example, you could open up a TFSA today, which might feel like no big deal. But it will certainly feel like a big deal when you’re making a large withdrawal from it to put a down pay...ment on your dream home! So let this be your reminder that if money has felt contractive or challenging for you, there are opportunities everywhere even little ones for that to change, and for your financial life to begin feeling more empowering and more freeing than ever before. And if your relationship with money is already feeling fantastic (yay!) then there’s still good news: it can always get even better! Have a wonderful day!

If you’re someone whose spiritual life has always been an important part of who you are and you’re looking to feel more secure financially, this six-week online course with Karen McAllister, Mindful Money Coaching may be for you. #moneyandspirituality

Hi, friends! If you’ve been hoping for some advice around money in relationships, I’ve got good news: the replay of the Instagram live I did with the Financial Advisors Association of Canada this week is now available! You can find it at the link below. Wishing you a very warm and happy Valentine’s Day, whether you’re celebrating your partner, your friends, or your wonderful self. Have a great weekend! https://www.youtube.com/watch?v=rR4PSvn-vvE

You can be wildly in love with your spouse and yet, if you aren’t on the same financial page, there can be sticky moments and places of tension that arise. It’s incredibly common, and I see this all the time! For example, maybe you have trouble finding financial goals that you both want to commit to. Or perhaps one of you likes to spend your money luxuriously, and the other is very frugal. While these things can begin as minor blips, if left unchecked, they can grow into mo...re detrimental forces in your relationship. This is why I’m an advocate for having open, loving conversations about money with your spouse. Not just now and then but often! These can be tricky to navigate, though, if you aren’t sure what angle to take and how to make sure you both get your needs addressed. To offer my advice and insight on this, and so many other topics relating to money and romantic relationships, I’ll be going live right here on Instagram with @advocis.tfaac the Financial Advisors Association of Canada tomorrow, Wednesday, February 10th at 12:30 pm MT. Pour a cup of coffee or tea, and cozy up to join us it will be a fantastic way to get excited about the financial aspect of your relationship or marriage, just in time for Valentine’s Day! See you tomorrow!

The plan you build, with the support & guidance of your Financial Planner, isn’t just for right now, the short term. Sure, we’ll touch on how to joyfully tick off those 2020 goals, but we’ll be focusing our gaze on your future years, too. We draw up a map that’s adaptable, so it can change and evolve as you do. That’s why many of my clients stay for years & years: setting you and your family up for sustainable security and fulfillment means not only creating your action steps, but also changing them as needed and knowing when it’s the perfect time to do so!

Money can be a touchy subject in romantic relationships especially new ones. Lots of questions can come up. When’s the right time to have the money talk with the person you’ve started dating, so you can learn about each other’s financial values and goals? A few dates in? A few months in? Then, as things progress and get more serious do you want to talk about having a joint bank account, or would you prefer to keep your money separate? How will bills be split if you d...ecide to move in together? There are so many questions to navigate! And, of course, you want to do so while keeping the energy between you and your new love interest light-hearted, romantic, and fun. To help you tread these financial waters with more ease in your love relationship just in time for Valentine’s Day! I’ll be doing an Instagram live with the Financial Advisors Association of Canada, on Wednesday, February 10th at 12:30pm MT. We’ll be sharing lots of knowledge and advice for how to navigate love and money, so mark your calendars!

Do you put a little money aside every month that isn’t for expenses, savings, or debt repayment but that’s just for you to enjoy, and to spend as you please? I have some ideas for you today for how to make it happen! First of all, I think doing this is really important. It prevents our money from feeling like a chore or burden, and can bring some excitement and pleasure to our finances. You still get to have nice things, even while accomplishing your goals! The first place ...to start is by creating a container for this money, like it’s own account, or cash that you keep safe at home. Now, name it! Call it your Abundance Account, Freedom Fund, or your Play Money, or whatever else feels expansive and fun to you. Decide how much you’ll put there each month. You certainly don’t want it to be so much that it digs into your set expenses and savings goals, nor do you want to feel so hemmed in that you can’t afford anything you’d like. Look closely at your incoming and outgoing money and decide what makes sense for you. Here’s the exciting part: if you don’t spend all of this money in the month you can (if you want!) resist putting it into debt repayment or your retirement fund. (Those already have their plans in place, right? So they’re taken care of!) Instead, you can roll that money over to the next month so that your play money is even bigger! Let’s say you put $200 aside each month for this fund, and in January you only spent $100 of it in February you get $300! The beauty of this is twofold: one, it feels abundant and expansive and that’s the whole point of this fund! Secondly, you might find yourself motivated by watching it accumulate...so instead of spending it on things you don’t actually want that much, you might find yourself saving up for something bigger and even more exciting. (Maybe a trip to Mexico when we’re allowed to do that kind of thing again!?) Let me know in the comments if you’re going to try this!

Money flows in abundantly when it has the right containers and accounts to fill up. Your money wants a job so if it has nowhere to go to work, it’s flow might be stymied rather than expanded. You wouldn’t try to make a big pot of chili on the stove using your tiniest little saucepan, would you? If you’re trying to grow your finances while using just a chequing account and credit card, it might be time to add some new accounts to that menu. Do you need a high-interest savi...ngs account? A second bank account to keep your household expenses and fun money separate? What if you switched out your credit card to one with a lower interest rate, or one that accumulates rewards points? The containers we keep for our money are an important part of directing its flow into and out of our lives. Expanding them shows the universe and most importantly, ourselves! that we’re ready to build our wealth in bigger, better ways than ever before!

Here’s a quick reminder for you, my friends, that the BC Recovery Benefit is still available and open for applications! This is a province-wide Covid-19 relief benefit that was implemented at the end of 2020. The only eligibility requirement is your net income on your 2019 tax return: you can receive $500 if you’re an individual who made up to $62,500, and families and common-law or married partners can receive $1000 with a 2019 income of up to $125,000. **Reduced benefit amo...unt for eligible individuals with a net income of up to $87,500 and for eligible families and single parents with a net income of up to $175,000 It’s not too late to get your benefit, and the application process is quick and easy it should only take a couple moments. You can learn more about it, or apply right now, by clicking the link below. https://www2.gov.bc.ca//content/economic-/recovery-benefit

Happy New Year! I love the feeling of a fresh slate that a new year brings how about you? (And goodness knows most of us are craving that feeling right now, after the last year!) As you probably know by now, I fully support you holding lofty goals for yourself and I have some, too! But here’s my invitation for you this New Years: can you keep those goals, without feeling like you have to change anything about yourself? Remember, you are perfectly worthy of everything you ...desire, exactly as you are. Sure, we can work together on mindset and habits, but those are the cherry on top: who you uniquely are as a person is inherently deserving of all your wildest dreams. Wishing everyone a healthy and happy 2021!

2020 has come to an end and we should all be celebrating! (Even if it’s just with our immediate family for now! ) We should all be celebrating our resilience. Our courage and community spirit in the face of hardship. We should be celebrating ourselves how brave, patient, and adaptable we’ve proven ourselves to be. Will you raise a glass to yourself at the end of this year?! 2020 wasn’t an easy one for so many people, was it? But my sincerest hope is that, even still,... you found moments of joy and deep gratitude. That you were reminded of what’s most important to you, and cherished it more than ever. I feel totally optimistic that bright days are ahead and while our challenges certainly aren’t over, I know 2021 will have its fair share of blessings. From my family to yours, wishing you a very happy New Year.