Gratitude & Money Moves to finish the year


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.

A Note on Gratitude

This month, gratitude has been hitting a little deeper for me.

As a new mom, I had no idea what returning to work would look like. Then having my second baby forced me to pause, get honest about my skills, and really ask myself what I enjoyed doing — and what I didn’t.

There were so many tears shed in my kitchen (more than I’ll ever admit), but those hard moments pushed me to create Prosperity Planning. That breakdown became the breakthrough.

I’m thankful for the nudge that pushed me forward.


Thankful for the community of
mompreneurs who have supported me.
And deeply grateful for every client who’s trusted me to help build their Money Plan.

Everyone’s journey to entrepreneurship looks different and I’m thankful that you’re part of mine❤️

📸 Behind the Scenes

  • I shared a reel about teaching our kids gratitude during the holidays, which led to something beautiful. We are officially sponsoring a local family who lost their husband and father earlier this year. If you want to support or learn more, here’s the link to their Amazon wish list.
  • I completed my first Financial Empowerment session with WISE Place, supporting women rebuilding their financial independence.
  • I met with two Business Coaches to refine my offers and map out my growth plan for 2026 — clearer systems, stronger programs, deeper impact.

Life Lately Looks Like...

  • We took a fall trip to Lake Arrowhead to tour homes and soak up the season. We made an offer (woo!), but it wasn’t accepted. We’re learning to be patient and trust the right deal will come.
  • Preparing to slow down for the holidays more family time, more rest, and more intentional spending.

Budget Tip of the Month

Holiday Budgeting Without the Guilt

Holiday stress usually starts with unclear spending let’s fix that now.

Try this:

  • Create a small holiday sinking fund
  • List your Top 5 holiday priorities
  • Use a cash envelope for holiday gifts to avoid overspending

If You Have Irregular Income

Here’s your simple system:

  • Build your budget using your lowest consistent income
  • Save 10–20% of every paycheck into an Income Buffer
  • Use the remaining amount to fund goals + holidays

Consistency starts with structure, not perfect income.

November Reflection

Ask yourself:

  • What surprised me in my budget this fall?
  • What spending drained me?
  • What spending supported me?
  • How do I want December to feel?

Let your budget support your vision, not restrict it.

The Prosperity Plan

If you’re tired of restarting your budget every month, The Prosperity Plan gives you a simple, realistic system to finally stay consistent.

With this one tool, you can:

  • Build a budget around your real lifestyle
  • Track income, expenses, savings & debt in one place
  • Stay accountable with monthly check-ins
  • Make confident decisions without money stress

It’s the easiest way to get organized, stay on track, and feel in control again. Try it for FREE here

Besties Fave Recipe

Chicken Tortilla Soup

Freeze leftovers for an easy, budget-friendly meal.

Perfect for cozy nights and busy schedules.

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

✅ Know you're on track for retirement

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. Lets start 2026 with a Money Plan that works for you!

Your Money Coach,

Erika

Founder of Prosperity Planning

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