👋 Intro

Hi there!

Welcome to the September edition of The Money Minute! As fall kicks off and routines settle in, it’s the perfect time to refocus on your money goals. Whether you’re saving for the holidays, tackling debt, or simply building better habits, this month’s tips will help you start the season strong.

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 can help you create custom plans to budget better, pay off debt, save more, improve your money habits and more!

I’m always looking to grow and 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've been wanting personalized support with your finances, respond to this email and I’ll send you the details on how we can get started.

✅ September’s Money Tips

Refresh Your Budget for Fall

Summer often brings extra spending such as trips, activities, eating out. September is the perfect time to reset. Look at where your money went this summer and adjust your budget for the rest of the year. The holiday season will be here before you know it!

• Review your last 2–3 months of spending (do you want an in-depth expense tracker I created? Let me know!).

• Cut out summer-only expenses (pool memberships, kids’ camps, extra eating out) and reallocate those dollars.

• Plan for seasonal costs coming up (holidays, school supplies, sports fees, or even higher heat bills).

• Schedule a 30-minute “money check-in” with yourself or your partner to reset priorities for the rest of the year.

Automate a “Future Fund”

Whether it’s school costs, holiday travel, or just building your savings cushion, set up (or increase) an automatic transfer into a separate savings account. Even $25 a week adds up and helps you feel prepared for what’s ahead.

• Pick one short-term goal (holiday gifts, travel, emergency cushion) and open a separate savings account for it.

• Set up automatic transfers for payday. Even starting small builds momentum without feeling like a strain.

• Label the account (ex: “Holiday 2025” or “Future Fund”) to keep motivation strong.

• Treat the transfer like a bill: non-negotiable, paid first before spending.

💡Special Update

Feeling Stuck with Money? You’re Not Alone.

A client I worked with recently came to me feeling stressed and overwhelmed by their finances. They weren’t sure where their money was going and felt stuck. After just a few sessions together, they had a clear plan, started saving toward their goals, and finally felt confident about their financial future.

I know that so many people struggle with this exact problem, so I am opening 3 spots in my 1:1 coaching program this month. Together, we’ll build a personalized plan that helps you take control of your money, reduce stress, and create a clear path forward.

If you’ve been thinking about getting support, now is the time. Don’t wait for the perfect opportunity since it might never come. Reply to this email to start feeling less stressed and take control of your money!

🧠 Money Mindset

Scarcity vs Abundance

Many people don’t realize how much their thinking about money shapes their financial reality. Two of the biggest perspectives are scarcity and abundance.

Scarcity Mindset

• Believing “there’s never enough,” whether money, time, or opportunities.

• Leads to fear-driven decisions like hoarding, overspending when something is “on sale,” or avoiding financial planning altogether.

• Example: Saying “I’ll never be able to save since there is always another bill.”

Abundance Mindset

• Believing opportunities and resources are available, even if you don’t have them yet.

• Encourages creativity, patience, and long-term thinking.

• Example: Saying “I may not be able to buy that today, but I can plan for it and make it happen.”

Try This:

• Reframe your language: Replace “I can’t afford this” with “How can I make this possible?”

• Track your wins: Write down 3 financial progress points each month (paid a bill on time, saved $50, resisted impulse buying). This builds proof that progress is happening.

• Practice generosity: Even small acts (like donating $5 or treating a friend) train your brain to see money as flowing, not limited.

• Focus on what you can control: You can’t change the economy or the market, but you can change your savings rate, spending habits, and mindset.

💬 Client Spotlight

"Benjamin has an easygoing and nonjudgmental attitude that quickly diffused the stress usually associated with financial conversations. He brought a sense of confidence and clear direction to our conversation that left me feeling capable and supported throughout the process. I'm grateful for the unique blend of patience and proactivity that he offers in his financial coaching." - Charlie and Gabriella

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