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.
For every solopreneur who dreads paying taxes
PSYCHOLOGY-DRIVEN PERSONAL FINANCE ADVICE Estimated Taxes and Cash Flow for Irregular Income Read time: 4.5 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 Safe Harbor Rule Did you know that the U.S. tax system runs on a pay-as-you-go system? It doesn't feel like it because we place so much emphasis...
Did you miss these common tax deductions last year?
PSYCHOLOGY-DRIVEN PERSONAL FINANCE ADVICE Tax Deductions Many Solopreneurs Forget to Claim Read time: 5.5 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: Business Tax Deductions As a finance person, I think one of the best things about trading a W-2 job to run your own thing is the tax write-offs. For...
A tax strategy every solopreneur should know
PSYCHOLOGY-DRIVEN PERSONAL FINANCE ADVICE Self-Employment Tax and the S-Corp Salary Strategy 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: How S-Corp saves you money When you left corporate to be your own boss, you also took on the responsibilities of being a boss. One of those...
Is your LLC is doing what you think it is?
PSYCHOLOGY-DRIVEN PERSONAL FINANCE ADVICE What Your LLC Protects & What It Doesn't Read time: 4.5 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: Limited Liability Corporation (LLC) If you've formed an LLC—or you're weighing whether to—there's a good chance you're carrying two beliefs about it that feel...
Sole proprietor, LLC, S-corp: what's the actual difference?
PSYCHOLOGY-DRIVEN PERSONAL FINANCE ADVICE Choosing Your Business Entity Read time: 4.5 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: Business Entities 101 If you're in the first year of your solopreneurship, you've probably already made an important decision without realizing it. The day you sent your...
The two-letter typo that saved $5,000
PSYCHOLOGY-DRIVEN PERSONAL FINANCE ADVICE The Boring Scam That Works (& What To Do About It) 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: Cyber Liability, BOE Insurance This is the last of the Insurance Literacy Series, where I map the coverage solopreneurs need against the risks we...
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....
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.