Financial Coaches vs. Financial Advisors

Financial advisor vs Financial coaches. Do you know the difference ? According to Money track, a financial advisor is “a professional who renders financial services to individuals,” on the other hand financial coaching is “a future-focused practice with the aim of helping clients determine and achieve personal goals.” While the financial advisor works with the wealth you have already accumulated a financial coach helps you build that wealth from the start. Money track provided a wonderful example of the difference between the two by asking “Would you rather go to a greenhouse and buy a plant?  Or go to a greenhouse, buy the seeds, learn how to nurture them and watch them grow? “. For this reason seeking and utilizing reputable financial coaches is a very good idea and its at the reach of anyone. They might sound the same but are in fact different. If you want to learn more information about the differences click here. In NYC there are groups like Neighborhood Housing Services of NYC (NHSNYC)  that offer financial coaching. To get the official list of organizations that are offering financial coaches please click here and it will take you to NYC government website.


Investing if you arent sure how to start

  If you fee like investing but are a little rusty there are some great websites one can use for practicing investing. A very good site to use is called It’s free to start and when you enter into contests there is also a chance to win money. There are other benefits as well. For example, you can Create an Online Hub for Your Club Host Online Investment Contests for your Club and Campus.  Plus Obtain Club Sponsorship from and its Affiliates. Updown offers a great way to find affordable brokerages as well as getting to know other traders to offer you advice. To get a complete list of financial directories go to 

 love and laugh

Thrifting; How to locate one and what you do when you get there.

 There are numerous ways to locate a thrift store. One way is to simply google it. There are some reviews that have comments on it while others don’t. But perhaps the best way to get reviews about thrift stores is to simply visit the stores. There shouldn’t be any shame in thrifting it saves money, the environment and in many cases raises money for good causes.

No matter how many tips on thrifting one receives it can feel overwhelming once you are there. The overwhelming feeling can be the result of several things; the amount of people in the store, rude customer service, merchandize not properly stocked, the temperature in the store or maybe just maybe there are too many options. A tip I give to anyone who might feel overwhelmed when shopping is to breath and if need be temporarily step out of the store until ready to come back. 

Love and Laugh