Q: Dear Ruchi, to put it simply, I am totally an impulse shopper. I’ve started to notice patterns of impulse shopping on my credit card statements and every time I do, I become upset with myself. How do I work on breaking this cycle? It’s holding me back from my
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?
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!
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.
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?
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?
Welcome, 2023! We’re kicking off the year with something a little different on our Ask Ruchi column by setting an intention with a word of the year.
Our word of the year is: PROSPERITY
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.
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© Watch Her Prosper 2025.
