Financial Goals

Mastering Your Money with the Bucket System

People are inherently irrational. It makes life pretty exciting at times (to say the least!). Often, this means that we need to accommodate the way our brains work to increase our ability to succeed. One way we can do this in personal finance is to set up

Read More »
Change Your Financial Situation, Change Your Life
Changing Your Money Mindset

Change Your Financial Situation, Change Your Life

This post was originally published on 4/21/2016 and updated on 5/21/2024. Being financially secure is going to change your life. And no, I’m not just being dramatic here. It’s not an understatement. It is literally going to change your life. If you don’t believe it, then you don’t yet

Read More »
Financial Tools & Resources

Why I’m Still Using YNAB (After Nearly 10 Years)

When I first discovered YNAB, it wasn’t love at first sight. I had just returned from four years of living abroad with my family and was looking for the perfect budgeting software to help me along my financial journey. I tried them all: YNAB, Mint, Quicken, EveryDollar,

Read More »
Creating a Financial Plan

The Car Analogy for Investing: Your Financial Road Trip

I remember when I first decided to learn about investing. I thought it would be super complicated and advanced, and I’d need another master’s degree just to figure it out. After all, most of what we see on the news is investment charts, daily stock changes, and

Read More »
Income Taxes

A Complete Guide to Figuring Out Your Withholding & Form W-4

Surprises can be fun. I mean, full disclosure—I’m a typical type A personality, so they’re certainly not my thing. But I even enjoy a surprise party (for someone else, ha!), a good movie plot twist, or unexpectedly good news out of the blue. April tax surprises, on

Read More »
Adjusting Your View Of Money

Spending Money to Maximize Life (Without Sacrificing Retirement)

In mainstream financial planning, all roads lead to one ultimate destination: retirement. The word retirement invokes a picture of a gray-haired couple relaxing on the beach or (even worse) on rocking chairs on the front porch. Indeed, if you look at the websites of financial planners who

Read More »

The Power of a Spending Plan to Maximize Your Life

I’m convinced that everyone has a budget, even if they don’t consciously recognize it as such. From the solid anti-budgeter to the simply agnostic to the hardcore money nerd, we all have ways of managing future spending. Maybe you simply add and subtract from your bank balances

Read More »
Adjusting Your View Of Money

2024 Year Theme: Healing

In the past, I’ve had a “word of the year” that signified my main intention for the new year. These words represented things that I wanted to spend my time, energy, and money on. Not only did these words mark themes in my life that were most

Read More »
Setting up Financial Tasks & Systems

How to Prepare Now for a New Financial Year

For me, Christmas and new beginnings go together. Everything just feels different during the Christmas season. Maybe it’s the twinkling lights, the energy from activity and excitement all around, or the extra kindness between strangers. It’s just the right transition into a fresh new year. When preparing

Read More »


I’m Kathryn Hanna and I love to budget (really, I do!), build spreadsheets, and spend money on travel, sewing supplies & good chocolate.


12 Month Financial Plan Sidebar


Easy-to-customize spreadsheets to improve your entire financial life from budgeting to tax and retirement planning.