AJ Borowsky

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

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

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

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

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

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

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

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

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

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

Love this! 100% #WinnieSun

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

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

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

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

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

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

Great chatting with everyone at the #WinnieSun chat - I always learn so much. Until next time.

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

A12 I love when businesses interact with customers on SM. I especially like when they respond to negative comments - it tells me they aren't afraid to upfront and open. #WinnieSun