Blogger Profile

Lynne Somerman

Blog Info

The Wiser Miser
budgeting, YNAB, entrepreneurship, self-employment, bookkeeping, variable incomes, finances for women
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Blogger Bio

Portland, Maine, United States
Life stage:
DIK (Dual Income, Kids)
Financial coach
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Latest Blog Posts

There’s a lot of advice out there about how to spend less money at the holidays. It boils down to: * Make a budget and stick to it * Shop sales * Plan before you shop * Consider buying fewer, or less expensive gifts Don’t get me wrong - I think these are all good advice. I do all ...
Posted: Nov 15 2017 @ 8:00 AM
So, you fell off the wagon. You were doing good for a little while - you’d started managing your money differently. Maybe you were keeping track of your expenses, keeping your awareness around your spending high. You had stopped using your credit cards, maybe even started putting money away for emergency savings, you’d made a plan and had been chugging away at it. Things were going well, if slowly. And then. So, ...
Posted: Nov 08 2017 @ 8:00 AM
Today we’re talking about bookkeeping. You know, the day-in, day-out slog to keep your business expenses and income carefully tracked, to the penny, with at least some categorization into what sort of deductible business expense it is related to. At some point, you’ve surely asked yourself - is it time to hire someone to do this for me' The answer is...maybe. There are some people who it absolutely makes sense to hire a ...
Posted: Nov 01 2017 @ 8:00 AM
You’re a business owner, freelancer or side-hustler. You take this stuff seriously - you’ve got a website, you’ve got a business name picked out, you’ve got business cards. You’ve got customers and a marketing plan (though “plan” may feel like a fancy word for what you’ve got, but there you go). You’ve got clients, and you’re making money. You might even be established enough to be making good money by ...
Posted: Oct 25 2017 @ 8:00 AM
Do you have a business' A side hustle' A freelance gig' How are you handling your money in your business' And yes, if you have a side hustle or a freelance gig, you have a business. Ugh, you know what that means. Taxes! Bookkeeping! Headaches! What if I told you that there was a simple tool that never gets talked about in business-finance-tool roundups, but which does a lot of the most important ...
Posted: Oct 18 2017 @ 8:00 AM
Do you ever find yourself saying, “Oh, I know I shouldn’t spend that, but…”, or “I know it seems extravagant, but…” in a dismissive way - in a way that indicates that you should feel guilty or ashamed of your spending' Stop doing that. I want you to stop feeling bad about your spending. ...
Posted: Oct 11 2017 @ 8:00 AM
I want you to try an exercise with me today. Take a deep breath, get out of your chair, and touch your toes. Whoops, sorry - not that kind of exercise. Phew! You can stay sitting right where you are for this one. Sit, close your eyes, and take a deep breath (deep breathing is required for all kinds of exercises, it’s a rule). Think about something that’s out of reach for ...
Posted: Oct 04 2017 @ 8:00 AM
This was going to be a review of You Need A Budget (YNAB). You know, an unbiased look at the pros and cons of a very popular piece of personal finance software. And while I am going to talk about the pros and cons of YNAB, I can’t bury the lead. You guys, I love YNAB so much. I’m a YNAB evangelist and I don’t care who knows it. I can’t pretend ...
Posted: Sep 27 2017 @ 8:00 AM
I talk about budgeting a lot here. It’s...kind of my thing. But if you’ve read some of my posts about budgeting you’ve probably figured out that I don’t do “regular budgets”. I only do good budgets. How do you make a good budget' Whether you’re building a better budget or making a gourmet meal, what do you start with' Better ingredients. If your building blocks aren’t right, how can your budget ...
Posted: Sep 20 2017 @ 8:00 AM
On this blog, I talk a lot about practical things - saving up an emergency fund, budgeting like a boss, and specific tips and tools for getting ahead financially. That’s all helpful stuff and I’m happy to provide some guidance and resources to help you. Do you know why I’m really here, though' I want you to feel less sh*tty about your money. I want you to feel more freedom and choice around ...
Posted: Sep 13 2017 @ 8:00 AM


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