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.
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PSYCHOLOGY-DRIVEN PERSONAL FINANCE ADVICE What Your Brain Does Before You Ask for Money 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: Having the payment conversation The first time a client paid me late, I didn't send a reminder. I told myself they were probably just busy. Turns out they...
Why your emergency fund as a solopreneur may be the wrong size
PSYCHOLOGY-DRIVEN PERSONAL FINANCE ADVICE Rebuilding the Corporate Safety Net Beyond a Stable Paycheck 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 Fund The first time I got sick after leaving my corporate career, I did what twenty years of habit told me to do: I planned to...
Gross pay ≠ net pay
PSYCHOLOGY-DRIVEN PERSONAL FINANCE ADVICE Your Gross Revenue Ain't Your Take-Home Pay 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: Cash Flow Management When we were in corporate, the paychecks that hit our accounts every two weeks were our take-home pay. Taxes: taken out. Retirement:...
Retirement plan options for solo business owners
PSYCHOLOGY-DRIVEN PERSONAL FINANCE ADVICE Retirement Plans for the Solo Business Owners 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: Retirement plans for solopreneurs When you worked for someone else, your retirement plan was largely handled for you, whether you thought about it or not....
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...
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.