Ask Ruchi™

Are my relationships impacting my financial well-being?

Dear Ruchi, I’ve made some great strides with my finances this year, though I’m still struggling with spending money in social situations. I often find myself going over budget when I’m out with others. My friends always talk about being broke and operate from a place of scarcity, yet somehow we end up overspending. It leaves me feeling stressed and anxious and I never know what to expect. I want to enjoy time with my friends without compromising my financial goals. Do you have any advice on how I can balance this better?

Read More »

How can I use visualization to create a prosperous life?

Dear Ruchi, I keep getting stuck in old patterns and am working to let go of fear and “level up” to this next chapter in my life. I have big dreams, big goals, and lots of ideas. I know that I often stand in my own way and want to work on trying different techniques to get in the right mindset to achieve these things. I am very interested in the idea of manifestation, vision boarding, etc. I’m not sure where to start or how to take actionable steps toward this. I want to live more powerfully and need a little guidance. What do you suggest?

Read More »

How do I change my perspective on spending?

Dear Ruchi, I’m starting to notice that when I think about spending money I feel anxious and I’m not sure where it’s coming from. I save and am grateful to have money in the bank but I am always paranoid that there isn’t enough or that I will make the wrong financial move. I want to look at spending differently but I have a hard time letting go. 

Read More »

How do I set boundaries as an entrepreneur?

Dear Ruchi, I have been an entrepreneur for nearly 5 years now and somehow, every few months, I find myself in a state of burnout and stress. And to be honest… it’s usually from taking on too much or agreeing to too many get-togethers, calls, and projects that I really don’t have the capacity for. But at the same time, I’m afraid to turn down any additional business, connections, or things that may advance my business. How do I go about setting boundaries in a professional way to protect both my finances and my well-being? I’m stuck!

Read More »

Lifestyle Creep Is Real, Here’s How To Balance It

Dear Ruchi, I’ve been so lucky to receive 2 significant raises in the last year at work. Funny enough when I was looking at my numbers, I realized I actually am saving less than I was the year before. I know I have certainly celebrated and gone on a few vacations and feel less “worried” about my money, yet there is less in the bank. What am I missing here? Am I just overspending?

Read More »

Let’s Talk About Women & Money

Dear Ruchi, I am a woman business owner and I find that me and my colleagues all have a lot of the same “issues” when it comes to money. We work so hard but still have moments where we are unsure of ourselves and end up making less than our male friends (even when we feel like we’re doing well). Is it just me or is there just a genuine difference in how we handle money compared to men? It feels like we don’t have the same stressors.

Read More »

How To Tap Into Your Financial Love Language

Dear Ruchi, my partner and I have very different ways of communicating and have been talking a lot about “love languages” lately. I’m curious about how different love languages might intersect with financial matters in relationships. How do I navigate discussions about money with a partner while taking this into account? I want to ensure that our financial conversations are productive and actually strengthen our relationship!

Read More »

How To Cope With Financial Stress After A Season Of Spending

Dear Ruchi, every year when January hits, I find myself swamped with credit card bills and the repercussions of my holiday shopping and end-of-year expenses from December. I know spending more during the holidays is normal, but I need to create a balance so I don’t feel like this next year. It never fails to stress me out. What should I do to help cope with this stress and also plan better for next year? Help!

Read More »

Your End Of Year Financial Checklist

Dear Ruchi, I can’t believe 2024 is just days away. In 2023, I was much better at organizing my finances and have made great progress. (I even achieved a few goals along the way- yay!)  As things come to a close, I want to make sure I have all of my bases covered to step into another successful year. What are some things I should add to my financial checklist before handing things over to my accountant?

Read More »

How Giving Back Plays a Role in Your Prosperity

Dear Ruchi, I am finally at a place in my small business journey where I am breaking out of my scarcity mindset. There is so much going on in the world and at times I feel helpless. What makes me feel most impactful is making donations to funds, charities, etc. that help causes I am passionate about. I feel better when I do this but want to make sure I am being smart about how I donate, especially when doing so under the identity of my business. Can you help?

Read More »
Meet Ruchi
HI, I'M RUCHI

Before she worked with amazing, heart-centered, fun-to-work-with service-based business owners like you… Ruchi spent almost two decades as a senior executive in the financial services industry. Now as a seasoned financial guide and mentor, Ruchi is often also referred to as a “financial therapist”. She is the Founder and CEO of Watch Her Prosper and is committed to empowering business owners to achieve a life of total prosperity. 

 

Have a question?

Let's Connect!
Sign up here to receive your complimentary copy of our Redefining Prosperity™ Workbook
Redefining Prosperity Workbook