The Money Letter I Wish I’d Read Sooner
Not Taught In School
Dear Subscriber,
I’m so glad you’re here.
When I started Money Tips Money Hacks, I had one goal in mind: to create a space where people could finally feel seen, supported, and empowered in their financial journey—not judged, not pressured, and not overwhelmed.
If you’ve ever felt stuck despite knowing better… if you’ve avoided opening your bank account out of embarrassment… if you’ve spent money you didn’t want to spend because of stress, social pressure, or emotional triggers… then this is the place for you.
You are not alone. You are not failing. And you are not doomed to repeat the same patterns. You are exactly who this newsletter was created for.
Money Tips Money Hacks isn’t just another financial blog. It’s your guide to mastering money from the inside out. Because the truth is, financial change starts in your mind, not just your bank account.
As a Certified Financial Education Instructor (CFEI®), I bring more than knowledge—I bring understanding, empathy, and practical strategies that work in real life. I know the frustration of wanting to “do better” but feeling trapped in patterns that don’t serve you.
I want to personally thank every one of you who has joined this community, and especially those who’ve pledged support early on. Your encouragement, questions, and feedback mean the world—and they’re helping shape the future of this platform.
This newsletter is designed exclusively for you. Not casual readers, not those just browsing. You are here because you want more than temporary fixes. You want change that lasts. You want clarity, confidence, and control. And that’s exactly what we’re going to work toward together.
Begin the transition into the future you’ve dreamed of sooner.
What You’ll Find Here
Cash Flow with Clarity
Managing money isn’t just about numbers. It’s about emotions, habits, and choices that either help you feel calm or keep you anxious.
Here, I strip away the guilt. You’ll learn to manage your money in ways that feel aligned with your life, doable with your routines, and emotionally intelligent. This isn’t about restriction, it’s about freedom. You’ll get actionable steps to:
Understand where your money is really going without judgment.
Identify habits that are costing you money silently.
Make spending decisions that actually reflect your values and priorities.
Money isn’t meant to be stressful. It’s a tool. And when you use it with clarity, it can finally start working for you instead of against you.
Mindset That Builds Wealth
Your beliefs about money shape every choice you make. How you think about money dictates how much you save, spend, invest, and risk. But mindset isn’t just about “thinking positive” or “wanting more money.” It’s about understanding your triggers, your history, and your patterns—and then making conscious decisions that align with the life you want.
In this newsletter, you’ll discover:
How to recognize limiting beliefs that are silently sabotaging your wealth.
Why guilt, fear, and shame often drive your spending more than logic ever could.
Practical mental shifts that make saving, investing, and planning feel natural instead of painful.
Changing your money mindset isn’t a quick trick. It’s a skill, one you’ll develop over time. But once you start to see your habits clearly, you can transform the way you handle money, and the results will follow.
Real-Time, Real-Life Money Help
Financial advice often fails because it doesn’t connect to what’s happening in your life right now. You may know the “right” steps to take, but stress, surprise expenses, or emotional spending patterns can throw everything off.
Money Tips Money Hacks meets you where you are. Every post, note, and reflection is created with what’s happening right now in your life, in your wallet, and in your mind. You’ll get:
Step-by-step strategies to respond to financial stress without panic.
Exercises to help you make intentional money decisions in the moment.
Insights that combine psychology and personal finance so your behavior aligns with your goals.
You won’t just learn what to do with your money, you’ll understand why you do what you do, and how to change it from the inside out.
Why This Newsletter Is Different
You might have tried financial advice before. Maybe you’ve read books, followed blogs, or even taken courses. But information alone doesn’t create change. Action does. And action that sticks comes from understanding yourself, not just memorizing rules.
Here’s what sets this community apart:
Exclusive Access to Insight and Reflection
Each post is written with you in mind. This isn’t a generic blog that speaks to “everyone.” It speaks to people like you—people who feel stuck, frustrated, or confused despite wanting to do better.Tools That Address Emotional Spending
Emotional spending isn’t a failure, it’s a signal. A message from your mind and body that something deeper needs attention. You’ll learn to identify these triggers and respond with strategies that don’t rely on willpower alone.Actionable Mindset Shifts
Mindset changes aren’t just theory. Each note and post gives you practical steps to implement immediately—small habits that compound into lasting results.A Community That Sees You
Reading tips online can feel isolating. Being part of this subscriber-only space connects you with a community that understands your journey, validates your experiences, and helps you move forward without shame.
How This Will Help You
Honestly, financial change is hard. There are bills, social pressures, unexpected emergencies, and habits that have taken years to develop. You’ve probably tried some “quick fix” and ended up back where you started.
Here’s what I focus on instead:
Awareness Before Action – Understanding the root of your behavior is more effective than blindly cutting expenses.
Clarity Before Chaos – Knowing your numbers, your habits, and your emotional triggers creates control and calm.
Mindset Before Money Moves – Aligning your mindset ensures that the strategies you implement stick for the long term.
Imagine opening your bank account without fear. Imagine feeling proud of how you spend and save. Imagine finally having money work for you instead of controlling you. That’s the vision we’re working toward.
What Free Readers Receive
Daily notes that help you spend more intentionally and build a healthier money mindset, small shifts that make money feel lighter and more manageable.
What Paid Readers Receive
My personal strategies to make your money go further—shared 2–4 times per month, with deeper breakdowns you won’t find in the free notes.
You’ll also unlock:
A skill library for financial resilience — practical tools you can return to when money feels uncertain
The full money reflection guide — structured prompts to uncover patterns, reset habits, and make calmer decisions
Paid subscriptions are $7 per month or $50 per year—less than the cost of one emotional purchase, with habits that pay you back over time.
The difference: free helps you notice your money patterns.
Paid helps you change them forever.
Final Thoughts
I created Money Tips Money Hacks because I know financial change is possible—when you approach it from the inside out. I’ve lived through the mistakes, the lessons, and the breakthroughs myself. Here, you won’t just get tips and tricks. You’ll get understanding, clarity, and tools that work for real life.
This newsletter is your space to reflect, act, and grow. To finally understand your money behaviors, stop cycles of guilt and shame, and create a life where financial decisions feel intentional, aligned, and empowering.
I’m honored to have you as a subscriber, and I can’t wait to see what breakthroughs you achieve in the months ahead.
Thank you for reading. This is where steady change begins, one essay at a time.
Start your journey by uncovering the habits and shifts that quietly shape your financial life: check out “Smart” Money Habits Keeping You Broke or 6 Identity Shifts That Change Income
Thank you 🙏🏼
I need to see something that I feel is plausible…. Give me a scenario that will make me trust j to our insights