Coach Carlynn

Coaching started for me when I became a fitness 💪 instructor in my late 20’s. I fell in love with fitness classes, and one of the fitness instructors I fangirled over encouraged me to get certified to teach 👩🏻‍🏫.

So, I did.

I LOVED ♥️ every minute of teaching, coaching, encouraging others to push past their limits, and achieve their goals 🎯. There’s something addicting about watching someone have a “light bulb💡 moment”. A moment they completed an exercise, lifted heavier weights, completed an entire class, lost the weight, got stronger, etc. All things they had told themselves they could not do.

And then…they did. I got to witness this over and over and it never got old!

Fast forward to the year 2️⃣0️⃣2️⃣0️⃣, the start of the pandemic. I wasn’t instructing fitness classes anymore. Instead, I found myself working from home full time. As with many industries and corporations, 2020 was a challenging year. The oil and gas industry was no different and my corporation went through a major headcount reduction starting with executive level all the way down to hourly employees. So much was out of my control with the uncertainty of my job and with the virus. To help pass the time ⏰ and focus on something that was in my control, I completed Financial Coach Master Training, earned my certificate 📜, and became a Financial Coach.

Many may not know that I’m a nerd 🤓 when it comes to money 💵 . My undergrad degree from Mississippi State University is in Finance so you’d think that’s when the nerd came out, but it wasn’t. I’ve always been into saving money, even from my youth. It wasn’t odd for me to put on a jacket and find money in it. Money that someone gave me and I put in a pocket to save for later.

In my Junior year of college I read the Total Money Makeover by Dave Ramsey. After reading his book 📕, I would occasionally listen to his radio 📻 talk show. It made sense. I loved that there were baby steps and I could understand it. Now, mind you, I did not follow the baby steps to a “T”. When I graduated college, I had student loans, a credit card, and a car 🚘 note.

Fast forward through a lot of life and getting remarried in my mid 30’s. We found ourselves in debt. Between tax debt, car 🚘 loan, and student loans; we owed just shy of $30,000. We followed the baby steps and got out of debt within a year’s time. Now we continue to work to pay off our house early and are aggressively saving for retirement. With the 1️⃣1️⃣ year age difference between my husband and me, I hope to retire when he does. That cuts off about 10 years of retirement contributions and savings for me, so it’s hustle time! 👊🏼 #goals

In 2️⃣0️⃣2️⃣3️⃣, I became a Leadership Coach in my corporate oil and gas job. I work one-on-one with leaders with direct reports and influential leaders. Influential leaders are ones that may not have a team reporting to them, but they have many people that they must influence to deliver results and progress projects. In reality, we are all influential leaders in our jobs. During coaching sessions I help clients develop goals that we will work on together. During sessions, we talk through challenges, progress, tools 🛠️ , and potentially even new or refreshed goals. My role as a leadership coach is not to solve the problem for my clients, rather to ask ❓ the right questions , give feedback, reframe, and offer perspective that helps the client find their solution.

Anyone starting to see 👀 a theme here?

Coaching.

Regardless if it’s fitness 💪 coaching, leadership coaching, or financial 💵coaching similar skills apply. I’ve always had in inner coach within me. Especially if you’ve read my writings very much, you’ll see 👀 or read 📖 it. I’m frequently asking questions, encouraging improvement and progress, etc. What goals do you have? What are you willing to do differently to achieve them? Who is holding you accountable? What’s holding you back? What is your plan to achieve your goals?

Coaching is all about finding the answers to those questions, creating a plan to execute, and having accountability along the way.

Stay tuned, I’ll have an opening for financial coaching soon! Details to come!

8 Ways to Have an Affordable Holiday Season

Find this article also published in the Tishomingo County News.

Is it just me or has life become expensive? Recently on a grocery trip, I spent $55.40 for only 10 items, the majority of which were vegetables! What in the world?! When prices continue to rise and our paychecks aren’t keeping up, something must give. Ready or not, now the holidays are upon us. Maybe you don’t have money to spend on presents this year. That’s ok. Let’s explore ways we can keep costs down this holiday season.

First, if you need to scale back gift giving, let your friends and family know. Be upfront, be honest. Even if it feels vulnerable, do it anyway. Who knows, it might bring a sigh of relief to your friends and family because they are feeling the pinch too. See…your bravery in being honest has already been a gift for your friends and family!

Let’s focus on what we can do instead of what we cannot do, shall we?

1.     Name drawing – everyone’s name goes into a bowl, and you draw one person in which to purchase a gift. Ground rules would need to be set, such as max dollar amount for the gift. Make sure the ground rule maker knows what your budget is to help manage expectations.

2.     Potluck meals – if you are normally the host or hostess of a holiday meal, ask your guests to bring drinks, sides, desserts, appetizers, etc. This might add extra effort in organizing to cover all the bases of the meal, but organizing is FREE and the payoff is you aren’t incurring the full expense of the meal.

3.     Handwritten letters – when was the last time you received a handwritten letter? When was the last time you wrote one? Texting, emails, and posts on social media are what is considered communication these days. What if you wrote a letter to your son or daughter telling them how you’ve witnessed them grow this year? What if you wrote your mom or dad a letter reminiscing about memories and how you think of them? Handwritten letters are priceless! It means that you took time out of your busy schedule and thought of them.

4.     Draw/Art – do you like to doodle or have an artistic knack? Do you have access to pencils, crayons, colored pencils, markers, paint, etc.? Why not draw your friend or family member a picture? Before you dismiss this idea, it is like handwritten letters in that you took time and drew from your talents for someone special in your life. While growing up in Iuka, there was an elderly lady that was a member of the Iuka Church of Christ. I believe her name was Lenile Archer. Every birthday I received a postcard from her. On one side was a written happy birthday message and on the other side was beautiful art that she had drawn. Even as a young child, I knew how special it was to receive one of her works of art.

5.     Gift certificates – not the ones that you are thinking. These gift certificates will not cost money. Who on your Christmas list is a new parent? Could you offer babysitting services to give mom or mom and dad some time for errands or a date night? Do you have a skill that someone could benefit? Do you know how to fix mechanical issues on a car? Do you know how to do simple home repairs? Know how to wash a car? Your gift certificate would be for your time and skill to help your loved one.

6.     Experiences – do you know how to make a great cup of coffee? What about a signature meal or dessert? Is there someone in your life that you’d like to spend more time or catch-up with? Your great cup of coffee or dinner or dessert would be a setup for quality time with your friend or family member. Invite them over or bring your goodies to them to have great conversation and reconnect.

7.     Photos – when was the last time you printed a photo? How many are on your phone? Who on your Christmas list would love to have the special moment you captured on camera either from years ago or recently? Dollar Tree has inexpensive frames last time I checked.

8.     Volunteer together – as we feel like our dollars aren’t going as far as they used to, one of the best ways to move our minds off our present circumstances is to help others. There are many ways to serve our communities. Look to your local churches to serve a family in need. Look to your local animal shelters to donate your time. Visit your local nursing home to sit with someone that may not have loved ones close by anymore.

Money is a resource. Time is also a resource. Sometimes there is more and sometimes less. Look for the blessings regardless. Less money requires creativity. Think outside the gift box. You might be surprised when you don’t miss the number of presents under the tree. The time and experiences that you’ve created instead of buying them will be tucked away in your memories for far longer than the latest gadget fad. All of us have limited time with our loved ones. Many of the suggestions listed are based upon time. Time is an investment. Is fighting crowds to find a gift how you’d like to spend it? Or endless time online shopping? We only have so much face-to-face time with the people on our Christmas lists that we won’t get back. Choose and spend your scarce resources wisely.