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Hi 👋🏽 I am Carolyn from The Financial Moment

I am a money coach who knows first hand what it is like to be stuck in the "pay cheque to pay cheque" cycle. With over 25 years of experience as a Finance Manager, I am dedicated to helping people overcome hurdles and find financial freedom.

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⚡Top Priority: The Fun Is In The Experiences

July 2024 Hello Reader! I hope you all had an amazing June and are gearing up for a fantastic summer. June was a busy month for me, filled with celebrations, sports, and travel. First up, I had the joy of attending a couple of birthday celebrations. Celebrating with friends and family reminded me of the importance of setting aside time (and a budget) for these special moments. It's these little celebrations that add so much joy to our lives and strengthen our connections with loved ones. I...

May / June 2024 Aloha Reader! We just checked one of our goals off the bucket list! My husband's dream was to visit Hawaii, and it did not disappoint. The beauty of nature and realizing that we are just a speck in this vast world was amazing. But getting here wasn't a straight path. The plan was to go for his 50th birthday, which fell in 2021. I’m sure you remember what was going on during that time, so we postponed it to 2023. Then we booked our tickets and thought, "This is it!" In early...

Hey Reader, Have you ever wondered why it feels SOO hard to stick to a budget? I get it, and here’s the truth: it’s probably because your budget doesn’t quite fit your personal financial needs. Yep, no one-size-fits-all solution here! 🧥👖 Why not take a quick self-check? (Just between us, answer honestly ☺️): Can I easily cover all my bills and expenses each month? Do I have financial goals that seem just out of reach? Does thinking about money ever stress me out? How often do I buy something...

Have You Tried To Stick To A Budget And Failed? 🤦🏽♀️ Join Us! Did you know... A budget doesn't have to feel restrictive? Think of it as a your strategic plan or a map to get you from A to B. Imagine having your money work for you, and be there when you really need it. Stop struggling and join us on April 24 & 25th for an interactive workshop that will teach you how to set achievable financial goals, manage your money effectively, and build a budget that works for you. Join US! 🎁 BONUS: If you...

It's winter... but it's not?? We have been having some very unusually warm weather. Not complaining... but double digits in February? I've notice that there is something about the sun and warm weather that totally changes your mood. In the winter we tend to be wrapped up under a blanket watching our favourite shows and we are completely content. When the weather warms up, we enjoy getting out, and we do a lot more activity. Now why am I going on.. about the weather? LOL Well our finances can...

I hear ya... Sales can be so tempting. I have my share of Amazon boxes arriving daily 🤦🏽♀️ As my husband would say when the doorbell rings "Package for Carolyn" 🤣 There is nothing wrong with grabbing a great sale, if you have created the space in your budget for it. Which is what I want that for all of you. So, here is an exercise that I want to you do. Determine how much you owe. Grab a piece of paper, spreadsheet or the notes app in your phone, and jot down the company and how much you owe....