BTS, budgeting, and holiday tips? Let’s go

The Prosperity Plan is here!

So excited to share the Prosperity Planning budgeting app. Not everyone loves spreadsheets and these days it's hard to update them manually. You can connect your accounts and track your spending as you spend. Need help with a debt payoff plan, use the calculator to see your Snowball payoff plan. Click here to get started today.

🎙 Big Announcement: I’m in my Podcast Era

I’ve been on a mission to get more comfortable sharing my money story.
More podcasts. More conversations. More impact.

And guess what?
You can now catch my Money Discussion with Jessica Springer-Cap

We recorded at 8pm, talked for a whole hour, and fully geeked out about money.
The best part? Building your dreams introduces you to others building theirs too.

📸 Behind the Scenes

A few pinch-me moments from this month…

• Teaching Business Budgeting at CIELO for Latina daycare providers.

👉 Watch the recap video here

I prepared spreadsheets, P&Ls, a whole slideshow…

and your girl delivered the training in Spanish.

Both my abuelitas would be cheering louder than mariachis right now.

• Money Confessions is in motion

A brave client let us film her experience.

Should I do more of these? Any volunteers? 😉

• I attended the She Is Made for More Conference, Thank you ClearClear Pins VA for the ticket. If you're running a biz and need an assist reach out to her.

Left inspired. Left empowered.

👉 Watch the recap here

Life Lately Looks Like...

Scaling Prosperity Planning is the vibe.

Podcasting is on my mind.

And collaborations are blooming everywhere.

Like reconnecting with a friend from my 20s…

She owns a Tax Services office in Placentia and we’re planning an in-person Women’s Networking Event.

It’s giving sisterhood, strategy, and support.

Budget Tip of the Month

Debt is a season, not a personality trait.

Let’s take away the shame and add a strategy.

Try this calculator to see:

• How long minimum payments take

• How extra payments speed things up

I’ve seen clients go from 18 years to 8 with small consistent action.

Your future self will be doing a happy dance.

👉 Calculator link

🎄 Seasonal Reminder

Holiday spending sneaks up on everyone.

Here’s how to avoid the credit-card plot twist:

• Start shopping early

• List your people + set a real budget (not vibes)

• Track prices so “Black Friday” doesn’t trick you

• Plan a Christmas sinking fund for 2025

Financial peace makes the season brighter.

Empower your Money Mindset

This is the real secret sauce, bestie.

When I coach clients, we always start by looking at how you were raised to think about money.

Was money ever talked about in your home?

Or was it a “we don’t talk about that” kind of topic?

Maybe you heard:

💭 “Money doesn’t grow on trees.”

💭 “We can’t afford that.”

💭 “Rich people are greedy.”

Those phrases stick with us — and often shape how we save, spend, or even feel about money as adults.

Here’s the truth: money skills can be learned just like any other skill. It’s not about perfection, it’s about awareness and practice.

Besties Fave Recipe

Meal prepping has saved us thousands.

Not fancy. Not complicated.

Just pantry staples, Crock-Pot magic, and leftovers for the win.

This month’s star:

👉 Chipotle Chili

Perfect for cozy nights and busy schedules.

Because nourishment isn’t just financial. Hope you enjoy this recipe as much as we do.

Thanks for being here, money-maker!

You’re doing amazing things for your financial future every time you open this newsletter.

If you want a bestie-in-your-budget to help you:

✅ Pay off debt faster

✅ Create a plan you can actually stick to

✅ Feel confident with your money

I’m here. Ready to get started working together, click here to book your Money Coaching Session

Hit reply, forward this to a friend, or let’s start working together. You deserve financial freedom and joy.

Cheering you on always,

Erika

Founder of Prosperity Planning

Unsubscribe · Preferences

Prosperity Planning Newsletter