💸 Money Cheat Sheet: Financial Wellness? For Spring?

This week’s money mood: Spring cleaning 🌸

I don’t know about you, but there’s something about the first week of spring that makes me want to just … get rid of everything I don’t need. After months of being ~very indoors~, my space feels a little stale. I want everything reset, put back in its place so I can start fresh and *bloom*.

Same goes for our money. We set out in January with the best of New Year’s intentions, but all the real life since then — and, you know, inflation — might have things feeling scattered. But with summer fun (and a zillion weddings) next on the calendar, now’s the perfect time to take a step back, check in, reset our goals and budgets, and start fresh for the months ahead.

This week, we’ve got resources on how to do that.

Watching you bloom,

Deedi Brown, she/her
Senior Editor

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NEW! Come Reset Your Money for Spring & Summer

We’ll show you how to account for all the things affecting your money right now: inflation, taxes, summer vacation planning, and more. Yes, there’s a downloadable checklist. And the first one’s tomorrow!

SIGN ME UP >

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How’s your financial foundation doing?

No matter how often you practice financial wellness, it’s always good to check in on these eight steps. They work together to keep your budget, goals, and strategies on solid ground.

READ ON >

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6 smart ways to use your banking accounts

Your banking accounts can be just a place to put your money. Or they can be a powerful tool to help manage your spending and hit your goals. Maybe it’s time to rethink how you use them?

HERE’S HOW >

Worksheets, assemble!

If you’re anything like us, the trick to executing a smooth spring money reset is having some good spreadsheets on deck. You know we have you covered. Check these out. (They’re free for members!)


•	Current Monthly Spending Tracker: Use this worksheet to get a handle on how much you’re spending today. (No judgment!) Download it
•	One-Number Budget Template: Our money coaches’ favorite budgeting method. Download it
•	50/30/20 Rule Budget Template: An alternative, super high-level budgeting method that’s flexible enough for life’s curveballs. Download it
•	Non-Monthly Expenses Calculator: This one will help you keep track of the more irregular expenses — like quarterly subscriptions or birthday gifts. Download it
•	Vacation Budget Planner: Plan for your upcoming summer vacays, trips, and parties. Download it

$$ win of the week

“I’d heard of parents buying a small house for their kid, and I thought, ‘That will never be me.’ Twenty years later, I’m buying a small house for my college-bound kid.”

— Samantha, an Elle Raiser from Seattle, WA

Tell us about your latest money win, big or small!

Just a little bit of new$


•	Good stuff for a lot of people’s credit scores: Starting in July, the three major reporting agencies (Equifax, Experian, and TransUnion) will make changes to how they consider medical debt, including wiping paid-off medical debt from people’s credit reports.
•	The SEC is officially proposing a new rule that would require companies to disclose their greenhouse gas emissions, plus climate risks that might affect them (like needing to ditch fossil fuels, the threat of major weather events, etc).
•	23 — soon to be 24 — states now require personal finance classes in high school curricula. Financial wellness is a lifelong practice, but we’re here for planting that seed early. 🙌
•	After raising interest rates last week, the Federal Reserve now says it’s willing to raise rates even “more aggressively” throughout 2022. (Here’s an explainer on what all that means, btw.)
•	ICYMI, new research found that women want their investments to have a positive social and environmental impact. And if they were to invest at the same rate as men, over $1.9 trillion (with a T!) would flow into responsible investments. (If only we knew of something literally built for this. 😎)

Summer is coming — check investing off the list before it gets here.

JOIN ELLEVEST

This week’s newsletter was brought to you while (still) recovering from one of the most jarring resets of all: daylight saving time. Forward it to your friends who need a reminder to go out for a walk and enjoy the extra daylight.

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The information provided should not be relied upon as investment advice or recommendations, does not constitute a solicitation to buy or sell securities and should not be considered specific legal, investment or tax advice.

The information provided does not take into account the specific objectives, financial situation, or particular needs of any specific person.

Investing entails risk, including the possible loss of principal, and there is no assurance that the investment will provide positive performance over any period of time.

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