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 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...
If you've ever regretted paying for something that didn't add value to your business, this is for you.
PSYCHOLOGY-DRIVEN PERSONAL FINANCE ADVICE How to Stop Reinvesting on Impulse 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: Reinvestment Gate Over the last two weeks, we have been tackling the reinvest-or-pay-yourself question as solopreneurs. We named the psychological forces running our...
Are you budgeting for everything in your business except yourself?
PSYCHOLOGY-DRIVEN PERSONAL FINANCE ADVICE Three Tiers, One Rule to Pay Yourself First 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: Owner's Pay Last week we talked about the reinvest-or-pay-yourself decision, and why it's not actually a finance question but an identity question. Three...
Are you an invest-first or pay-yourself-first solopreneur?
PSYCHOLOGY-DRIVEN PERSONAL FINANCE ADVICE The Reinvest-or-Pay-Yourself Trap 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: Reinvest vs. Pay Yourself? It's 11:47 PM. The Stripe notification came in three hours ago—the biggest sale of the quarter. You should be asleep. Instead, you have...
Quarterly review for the I-am-not-a-numbers solopreneurs
PSYCHOLOGY-DRIVEN PERSONAL FINANCE ADVICE Your Quarter Review: Why Done is Better Than Perfect 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: Quarterly Money Dates Q1 ended a couple of weeks ago, which means that voice in the back of your mind has been whispering: "I should really look at my...
Why you struggle to spend money on your business as a first time solopreneur
PSYCHOLOGY-DRIVEN PERSONAL FINANCE ADVICE What Not Spending On Your Business is Costing You 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: Infrastructure Avoidance Loop You've had the tab open for eleven minutes. It's a project management tool. Or maybe it's an email platform, a bookkeeping...
How to break the anxiety spiral during tax season
PSYCHOLOGY-DRIVEN PERSONAL FINANCE ADVICE The Psychology Behind Tax Paralysis 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: Solopreneur Tax Anxiety Tax deadline is just around the corner (for those of us in the US). And if you are a solopreneur, your 2026 quarterly tax is due on the same...
Don't let their revenue become your trap
PSYCHOLOGY-DRIVEN PERSONAL FINANCE ADVICE Money Dysmorphia and the Revenue Lies 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: Overcoming Social Comparison You opened Instagram this morning and saw it again. Another solopreneur posting a screenshot of their Stripe dashboard. $12,400 in...
What should you actually pay yourself? (Real math inside)
PSYCHOLOGY-DRIVEN PERSONAL FINANCE ADVICE The Solopreneur Salary Guide Read time: 3.5 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: Solopreneur's Salary Does this sound like you? You left a comfortable salary to build something real. You work hard and your clients are paying you. And yet, every month...
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.