AJ Borowsky

Financial Life Coach | Author: What Next A Proactive Approach to Success. #Curious, #adventurous, willing to #explore.

[AJ Borowsky @AskWhatNext]

So much useful information, as usual, in the #WinnieSun chat. Hope everyone has a great rest of the week.

[AJ Borowsky @AskWhatNext]

A13 Secrets and money don't mix. Having open and honest discussions about money in a family is critical to success. #WinnieSun

[AJ Borowsky @AskWhatNext]

A11 The routine of checking investments will help you to avoid seeing the volatility. Also understand that when investments fall, the routine of regular buying means you're getting a better deal. #WinnieSun

[AJ Borowsky @AskWhatNext]

A10 Progress begets progress so if you set money goals and see the progress, you'll likely see progress in other aspects of your life. #WinnieSun

[AJ Borowsky @AskWhatNext]

A9 You can help remove emotion by delaying big money decisions. Even when we know we're going to make a big purchase we wait just a bit before making the decision. #WinnieSun

[AJ Borowsky @AskWhatNext]

A8 Financial routines are good but don't become obsessed with looking at things too often. #WinnieSun

[AJ Borowsky @AskWhatNext]

A7 I believe in strategic pauses - As you try to tackle a big issue, it's good to pause spending. For example as you begin tracking spending don't eat out for a week or month to make the process easier. #WinnieSun

[AJ Borowsky @AskWhatNext]

A6 Debt is a tool and you have to use it correctly. Avoid bad debt (credit cards for ex.) and be careful with good debt (mortgage). Just because you can afford the payments doesn't mean you can afford the house. #WinnieSun

[AJ Borowsky @AskWhatNext]

A5a Once you understand your spending (budget) you will feel more empowered and in control of life. #WinnieSun

[AJ Borowsky @AskWhatNext]

A5 We all have a budget but a lot of us don't know what it is. Tracking your spending is key to any budget b/c you have to know that spending more on one thing means less on another. #WinnieSun

[AJ Borowsky @AskWhatNext]

Love this! 100% #WinnieSun

[AJ Borowsky @AskWhatNext]

A4 Financial literacy is not a one and done thing, it's a process that lasts throughout life. 401ks didn't exist for my parents as an example. #WinnieSun

[AJ Borowsky @AskWhatNext]

A3a Patience with money is important - you can have more than you think but it takes time, understanding that will help reduce stress. #WinnieSun

[AJ Borowsky @AskWhatNext]

A3 I think not enough people take a big picture approach to money, they're too focused on the present and can produce anxiety. #WinnieSun

[AJ Borowsky @AskWhatNext]

A2a Confidence with finances also leads to confidence in other aspects of life. #WinnieSun

[AJ Borowsky @AskWhatNext]

A2 Learning good financial habits is a process but the more you learn the more at ease you will feel. #WinnieSun

[AJ Borowsky @AskWhatNext]

A1 I'm AJ and have been retired for almost six years but still like to stay involved and engaged. #WinnieSun

[AJ Borowsky @AskWhatNext]

@winniesun @navicorePR I'm back on the east coast now at the beach. Will be here through Sept. then back to SoCal. #WinnieSun

[AJ Borowsky @AskWhatNext]

@MarshaCollier It was in NJ - sold it six years ago. #WinnieSun

[AJ Borowsky @AskWhatNext]

A13 If possible make employees the customer so they can actually be in their shoes. I always made sure that service was a reward for good work at our spa. #WinnieSun