Ruchi Pinniger - Watch her Prosper

How To Cope With Financial Stress After A Season Of Spending

January 17, 2024

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!

Your End Of Year Financial Checklist

December 20, 2023

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?

How Giving Back Plays a Role in Your Prosperity

November 29, 2023

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?

Why Your Mental Health is Important for Your Financial Success

October 18, 2023

Dear Ruchi, I’ve been having a hard time handling my finances lately and it’s adding so much stress to my life. I feel like I am struggling to get a hold of my income streams all while balancing my family, job, and personal life. I can feel the stress making it worse as I lose focus and clarity. What can I do to get centered and start handling this with more ease?

What can I do to get ahead of my taxes?

September 20, 2023

Dear Ruchi, as Q3 comes to a close, reality is setting in! I can’t believe tax season is approaching again. This year, I want to do things differently and be more prepared. I always wait until the last minute but this year I really want to set myself up for success. What should I start doing now to get ahead of the game?

How do I make money a safe topic in my home?

August 16, 2023

Dear Ruchi, I am a new parent and my head is spinning thinking about all that lies ahead for myself and my family; mostly exciting, but partially nerve-wracking. Though my daughter is young, I have already started thinking about how I am going to teach her about money as she grows. Money was always a stressful topic in my household growing up and I don’t want to repeat that same cycle. How do I start planning for these financial conversations as she grows?

How are gratitude and money connected?

July 19, 2023

Dear Ruchi, I have been working hard on implementing gratitude practices into my daily life. Though I can easily think about the people and things I am grateful for, I want to take it a step further, particularly in the realm of finances! I am ready to embark on a financial “level-up” in my life and I wonder how I could implement this into my gratitude practice. Are money and gratitude actually connected? How do I get started?

What financial considerations should I think about when building a team?

June 21, 2023

Dear Ruchi, I think it’s finally time to hire within my business! I can no longer manage every moving piece of my business alone, but I am nervous about the financial risk of hiring. What are the financial considerations I should be taking into account when building a team? I’m not sure where to start.

How do I plan for retirement as a small business owner?

May 17, 2023

Dear Ruchi, freelancing has given me such a sense of happiness and freedom. When I was first starting out, everyone warned me to be careful and make sure I was still investing in my retirement, health insurance, and all of the other things corporate jobs typically give you that I now have to supply for myself. Though retirement is a long way away, I want to prepare for my future. Right now I am just overwhelmed and trying to figure out where to start. Any advice?

How do I implement financial self-care?

April 19, 2023

Dear Ruchi, I have been focusing on creating better habits in all areas of my life this year. It’s time I finally make self-care a priority. While I’m ready to dedicate my time and energy to healthier habits in terms of diet, exercise, and mental health, I feel unclear on how to implement healthy money habits. With financial security being one of my biggest goals this year, I want to make sure I weave my finances into my healthy habit-making as well. What can I do?

Ask Ruchi^®