👋 Intro

Hi there!

Welcome to the July edition of The Money Minute! Whether you're traveling, relaxing, or just trying to stay cool, I’ve got a few tips to keep your finances on track this summer.

Ready to get started with coaching? Book your free appointment with me here.

Wishing you a Happy July 4th filled with good weather and better BBQ!

🙋 About Me

If you are new here, welcome! I’m Ben — a personal finance coach passionate about helping you build a better financial future. I can help you create custom plans to budget better, pay off debt, save more, and improve your money habits.

I’m always looking to grow and reach more people who could use some extra support with their finances. If you know someone who might benefit from this newsletter or from working with a coach, please forward this along and invite them to sign up here!

✅ July’s Money Tips

Track Your Subscriptions

Streaming, apps, fitness — they add up! Take 15 minutes this week to review your recurring charges and cancel anything you're not using.

Quick tip: Use your credit card or bank app’s “subscriptions” filter to make this easier.

Create a Sinking Fund

Planning for a vacation, back-to-school shopping, or want to get ahead on holiday gifts?

Start a sinking fund: set aside small amounts each month in a separate account so big expenses don’t sneak up on you later.

🧠 Money Mindset

Using Cash Makes You Spend Less

A study from the University of Kentucky found that people spend up to 75% more when using credit cards compared to cash. Why? Handing over cash feels different—it creates a small pain point that makes you think twice. Swiping a card? Not so much.

In the study, researchers reviewed grocery store receipts and found something surprising:

• Cash customers spent $6.65

• Credit card users spent $11.45

• Debit card users spent $11.08

Try This:
Next time you go to the grocery store or out to eat, bring a set amount of cash and leave the card at home. You’ll be more mindful of what you spend—and may even put a few things back before checkout.

💬 Client Spotlight

“Ben was great! During our sessions, he was friendly, patient, respectful, and maintained sensitivity and discretion while discussing potentially sensitive topics. He offered solutions with flexibility, without adding undo pressure. We really enjoyed working with Ben, and we recommend him for your coaching needs!”

I’d love to help you too!
Click here to schedule a free call and see how coaching can support your goals.

📞 Let’s Chat!

Curious about how I can help you through coaching or if it’s a good fit for you?
Book a free 45-minute strategy session and let’s talk through your goals.

🫵 Your Turn

Wins and Challenges

What’s one win you had this past month and one challenge you are working on overcoming?

Reply and let me know — I’d love to celebrate it with you and help you overcome your challenges!

Suggestions

Got a topic you’d love to see in next month’s newsletter? Hit reply and let me know — I’m always open to your ideas.

📧 Stay In Touch