Mind Over Money
Hi, I am Ceres, and I am a money psychologist and financial planner. Subscribe to my weekly newsletter to get one powerful psychological insight that transforms how you think about, spend and save money as a solopreneur, delivered directly to your inbox every Saturday.
How to protect yourself against professional liabilities
PSYCHOLOGY-DRIVEN PERSONAL FINANCE ADVICE The Policy That Protects You From Your Own Best Advice Read time: 5 minutes || Read on web browser Welcome to Mind Over Money, a weekly newsletter where I share actionable ideas to help women solopreneurs transform your relationship with money to build financial confidence and independence. Today's topic: Errors & Omissions (E&O) Insurance This issue is part of the Insurance Literacy Series. Click here for the full map of coverage types we've been...
Do you know your health insurance options as a solopreneur?
PSYCHOLOGY-DRIVEN PERSONAL FINANCE ADVICE You Have More Health Insurance Options Than You Think Read time: 6.5 minutes || Read on web browser Welcome to Mind Over Money, a weekly newsletter where I share actionable ideas to help women solopreneurs transform your relationship with money to build financial confidence and independence. Today's topic: Health Insurance This issue is part of a multi-issue deep-dive into the insurance stack every solopreneur should consider. You can find the full...
How to calculate life insurance coverage when your income isn't a salary
PSYCHOLOGY-DRIVEN PERSONAL FINANCE ADVICE The Life Insurance Calculation You Probably Don't Know Read time: 4 minutes || Read on web browser Welcome to Mind Over Money, a weekly newsletter where I share actionable ideas to help women solopreneurs transform your relationship with money to build financial confidence and independence. Today's topic: The DIME framework This is Issue 4 of the Insurance Literacy Series. If you're just joining us, the full series roadmap lives here. In Issue 2, we...
The life insurance default for solopreneurs
PSYCHOLOGY-DRIVEN PERSONAL FINANCE ADVICE The Wrong Policy Costs You More Than You Think Read time: 6 minutes || Read on web browser Welcome to Mind Over Money, a weekly newsletter where I share actionable ideas to help women solopreneurs transform your relationship with money to build financial confidence and independence. Today's topic: Life Insurance, Part I Note: Last week, we talked about what happens if you can't work. This week's issue is about what happens if you die unexpectedly....
Is your income protected if you can't work?
PSYCHOLOGY-DRIVEN PERSONAL FINANCE ADVICE Why "I Have an Emergency Fund" Isn't Enough Read time: 5 minutes || Read on web browser Welcome to Mind Over Money, a weekly newsletter where I share actionable ideas to help women solopreneurs transform your relationship with money to build financial confidence and independence. Today's topic: Disability Insurance Note: this issue is part of an ongoing series on building the solopreneur insurance stack—the specific coverages that protect different...
The Solopreneur's Insurance Stack: A Guide to What Protects What
PSYCHOLOGY-DRIVEN PERSONAL FINANCE ADVICE The Solopreneur's Insurance Stack: A Guide to What Protects What Read time: 4 minutes When I talk to solopreneurs about insurance, I get one of two reactions. The first is glazed-over eyes. Insurance is boring. Insurance is complicated. Insurance is something you deal with when something goes wrong, not something you think about on a Tuesday when you have client work due. The second reaction is anxiety. They know they're underprotected. They just...
Do you think about the risks in your business?
PSYCHOLOGY-DRIVEN PERSONAL FINANCE ADVICE The Hidden Cost of Feeling Fine Read time: 5 minutes || Read on web browser Welcome to Mind Over Money, a weekly newsletter where I share actionable ideas to help women solopreneurs transform your relationship with money to build financial confidence and independence. Today's topic: The Risk Assessment Framework It's August. A freelance UX designer—6 years in business, $9,000 a month in revenue, healthy and 36 years old—gets a diagnosis. It's...
Business debt decision isn't just about the amount (it also depends on your business models)
PSYCHOLOGY-DRIVEN PERSONAL FINANCE ADVICE What Good Debt Looks Like for Consultants, Creators, and Coaches Read time: 5 minutes || Read on web browser Welcome to Mind Over Money, a weekly newsletter where I share actionable ideas to help women solopreneurs transform your relationship with money to build financial confidence and independence. Today's topic: Debt Decisions by Business Models Two weeks ago, we unpacked the psychology sitting underneath debt decisions—specifically how the...
How do you know if debt will work for your business?
PSYCHOLOGY-DRIVEN PERSONAL FINANCE ADVICE The Solopreneur's Debt Decision Framework Read time: 5 minutes || Read on web browser Welcome to Mind Over Money, a weekly newsletter where I share actionable ideas to help women solopreneurs transform your relationship with money to build financial confidence and independence. Today's topic: Debt Instruments Last week, we talked about the two ways the Employee Brain tends to miscalibrate around debt—the over-caution that reads all borrowing as...
Let's talk about debt (baby....)
PSYCHOLOGY-DRIVEN PERSONAL FINANCE ADVICE Why Solopreneurs Get Debt Wrong Read time: 4 minutes || Read on web browser Welcome to Mind Over Money, a weekly newsletter where I share actionable ideas to help women solopreneurs transform your relationship with money to build financial confidence and independence. Today's topic: Debt Problem for Solopreneurs Generally speaking, solopreneurs carry one of two debt positions—and both are costing them. The first solopreneur has been running a...
Hi, I am Ceres, and I am a money psychologist and financial planner. Subscribe to my weekly newsletter to get one powerful psychological insight that transforms how you think about, spend and save money as a solopreneur, delivered directly to your inbox every Saturday.