Financial Peace Through Smart Choices
Money (the lack of it, the relationship conflicts, the jealousy) can be very Frustrating! The definition of frustration comes down to a gap between a person’s expectations and the reality of a situation. Frustration is the emotional response to the situation. This is often a roadblock to thoughtful and appropriate financial decisions. The LOWER method helps you manage the emotions, so you can then manage the finances.
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When You and Your Partner Have Different Money Goals
When your money goals pull in opposite directions, use the LOWER method—Label, Own, Wait, Explore, Resolve—to lower the tension and build a plan that funds both security and…
4 min read
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Financial Tensions – Managing Money, Debt, and Transparency with Older Parents
Talking about money with aging parents doesn’t have to be a battle—use the lower Method to turn defensiveness into teamwork with simple steps like autopay, monthly check-ins, and…
4 min read
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Why Budgeting Feels Impossible – Emotional Barriers You’re Not Noticing
Budgeting isn’t hard because you’re “bad with money”—it’s the hidden emotions (fear, shame, perfectionism, overwhelm, conflict, neurodivergence) getting in the way. In this guide, you’ll see how the…
4 min read
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Why Every Budget You Try Seems to Fail – Understanding the Real Reasons
If every budget you try seems to fall apart, it’s not you—it’s rigid, time-sucking systems and the guilt they create. Discover how the LOWER Method helps you simplify,…
4 min read
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I’m Not Good With Money – How Identity and Shame Sabotage Your Budget
Think you’re “bad with money”? Learn how shame—not math—shapes your budget and how the LOWER Method helps you pause, reframe, and build confident habits with small, doable wins.
4 min read
