👋 Intro

Hi there!

Welcome to the November edition of The Money Minute! As the year winds down, now’s the time to finish strong financially. Whether you’re getting ahead on holiday expenses, setting next year’s goals, or tightening up your budget, a few smart moves this month can set you up for a stress-free December, and a confident start to the new year. Plus, with Black Friday around the corner, I’ve got tips to help you shop smart and stay in control.

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

🙋 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’ll help you reach your financial goals, whether it’s paying off debt, saving for the future, or gaining control over their money, so you can feel confident, stress-free, and ready to live the life you want.

I’m always looking to help 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!

If you want personalized support with your finances, respond to this email and I’ll send you the details on how we can get started.

✅ November’s Money Tips

Plan Your Black Friday Budget Before the Sales Start

Black Friday and Cyber Monday can be great chances to save, but only if you plan ahead.

Make a short list of what you actually need or planned to buy anyway.

Then set a clear spending limit and stick to it.

Remember, the goal isn’t to grab every deal, it’s to stay intentional and avoid impulse buys that throw your budget off.

Ask Yourself: What do I actually need? Decide how much you are willing to spend before the sales begin.

Balance Spending with Generosity for Giving Tuesday

After a weekend focused on shopping, Giving Tuesday is the perfect chance to give back.

Set aside a small portion of your November budget, just like you would for any other goal, for donations or causes that matter to you.

Being generous doesn’t mean overspending. Even $20 given thoughtfully can make a big impact when it’s aligned with your values.

Ask Yourself: What cause or organization do I want to support this month? How can I include that in my budget?

💡 Special Offer

Holiday Money Game Plan: 3 Spots Open

The holidays are coming, and with them, extra expenses, travel plans, and gift lists that can easily throw off your budget.

One of my clients came to me last year around this time feeling anxious about holiday spending. Together, we built a plan that let them enjoy the season without guilt or financial stress. By January, they were ahead on their goals instead of catching up.

If you want to head into the holidays feeling confident and in control, I’m opening 3 spots in my 1:1 coaching program this November with 10% off.

We’ll create a personalized plan to help you:

• Budget for the holidays without overspending

• Pay off debt and still save for what matters

• Start the new year feeling calm, not stressed

If you’ve been thinking about getting support, this is your chance.
Reply to this email to learn more. Let’s make this your calmest, most confident holiday season yet!

🧠 Money Mindset

Letting Go of Financial Comparison

It’s easy to fall into the trap of comparing your finances to others, especially when social media highlights everyone’s best moments. But comparison often leads to frustration and distraction.

Instead, focus on your personal journey. Your goals, values, and timeline are unique. Progress might look different for you, and that’s okay. The real win is building habits and making decisions that move you closer to financial peace and freedom.

Try this: 

Write down three ways you’ve made progress this year, big or small, and remind yourself that your path doesn’t need to look like anyone else’s.

💬 Client Spotlight

“Since starting to work with Ben, we have really gotten on top of our game and sit down weekly to budget. We found Ben helpful because we saw a genuine interest to help us patiently and professionally. Ben also gained a clarity of our financial situation and was able to direct us in a professional and respectful manner. With his help we walked away feeling confident about what to do and what direction to go."

- Jessica and Aaron

I’d love to help you next!
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