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Bonnie Provencal - Financial Strategies for Families

Bonnie Provencal - Financial Strategies for Families Helping people pay off debt, build savings and get on track to financial independence!

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If you think your financial situation is s**t, you aren't alone... here is why! > From 1980- 2020 Inflation has increase...
09/12/2022

If you think your financial situation is s**t, you aren't alone... here is why!

> From 1980- 2020 Inflation has increased by 2.8% (before covid and inflation numbers of 7+% for two years in a row)

Average household income in 1980 was $56,000 increased at 0.84% = 78,400 in 2020

> If the average household income grew at the same rate as consumer goods we would need to be bringing home $169,010

BOTTOM LINE - Our money cannot buy the same things as it did 40 years ago, yet we expect more, want more, and are offered more than any generation before us.

Sometimes balancing the budget isn't a spending problem, it is an income problem!

07/19/2022

What is your identity? This shapes what you do more than anything!! If you want to improve on an area of life, improve upon who you are on the inside and the outside results will appear!!

Also consider your unwanted identity!

If you want to hear more check out my free Facebook group! Link in bio

07/12/2022

Is your household in a personal financial crisis!? You know… ⛽️ 🍲! Everything costs so much!

> and chances are… your income hasn’t changed!!!

>>>> so what are you going to do about it!?

2 things that NEED to be Done!!

1. Increase your income!!

2. Become more efficient with your savings!!

My job is to help you get strategic at both!!

If this makes you curious message me! I love to chat about all things that involve financial/ personal improvement!!

Had the most beautiful and relaxing time this weekend camping!
07/11/2022

Had the most beautiful and relaxing time this weekend camping!

The best time to plant a tree was 20 years ago... the second best time is today! If you haven't started... today is the ...
06/14/2022

The best time to plant a tree was 20 years ago... the second best time is today! If you haven't started... today is the day!

No matter how much you have when you hit retirement doesn't matter, it is how you plan to make that amount last!

THE PLAN is the most important part ... What is your game plan?

We offer complimentary planning sessions to see if our services and advise are a good fit! You really have nothing to lose by checking it out!

Does Money Stress you out!? If so we should schedule a time to get together! The simple act of creating a game plan to d...
06/06/2022

Does Money Stress you out!? If so we should schedule a time to get together! The simple act of creating a game plan to deal with your finances drastically reduces the stress associated with it!

Think about it... if you were lost in the woods with no clue where you were or where you were going, you would feel incredibly stressed, scared and overwhelmed. You wouldn't even know what to do next... if you started heading in one direction you would likely stop and turn back because you would question you were heading the right way! ... you might do some things that moved you deeper into the woods... or you may just sit down, do nothing and hope someone would come and find you!

Well imagine if you raise your had and say... "I'm a bit lost here," Then someone shows up and asks you enough questions to determine exactly where you are. Then then ask you where you are trying to go. After those conversations they come back in a couple of hours with a well drawn out map that shows you exactly where you are, and what steps you need to take to exit the deep dark woods! Even if the steps are scary and uncertain this person is incredibly fulfilled by being a guide, so they stay and help because they have been down this path before and know great companies that can help meet your needs along the way!

The instant you have that map in your hands you feel better, and with each step along the way you become less stressed and more confident in your plan! Pretty soon you are running in front of your guide because you are on the trail and know exactly what to do!

Finances are the same way! We are dropped off in the middle of life with very little guidance as to what to do with our pay cheques! We aren't taught the best ways to manage our money or how to maximize our budget. We are sold credit cards that give us free stuff and given 0.25% on traditional savings accounts! No wonder we are lost!

If you want to have a "get out of the woods conversation" Let me know! Creating a game plan for your immediate financial needs, mid range and long term goals might be the stress reliever that you need!

If you say anything less than a 9 out of 10 we should get together ... if you feel like you have NO STRATEGY, Then we sh...
05/29/2022

If you say anything less than a 9 out of 10 we should get together ... if you feel like you have NO STRATEGY, Then we should DEFINITELY get together!

If you are already using an advisor it never hurts to get a complimentary second opinion, this is your retirement lively hood and dignity that we are talking about!

If you aren't already using an advisor... why not? Households that have a financial advisor have 3-5x the savings in retirement!

Having someone take a look at your finances can save money on things you are already buying and show you ways to safely grow your assets in places that are worth wile!

My office is located in Westlock, on the second floor of the building across from the post office! Give me a call to book an appointment or send me a message! 780-350-4329.

Never thought I would see the day that I brought a puppy to work! 🫣
05/19/2022

Never thought I would see the day that I brought a puppy to work! 🫣

With Inflation the highest it has been since the early 80s, where you have your LONG TERM investments (5+ years) has nev...
03/16/2022

With Inflation the highest it has been since the early 80s, where you have your LONG TERM investments (5+ years) has never been more important! If you are holding cash, or low interest GICs you are actually losing money.... It just doesn't FEEL like you are!

The COST OF EVERYTHING IS GOING UP! So why not take advantage of free services that help you maximize your dollars? It's...
03/14/2022

The COST OF EVERYTHING IS GOING UP! So why not take advantage of free services that help you maximize your dollars?

It's hard to summarize what I do, but with tough financial times ahead now is the best time to talk. Let's make every dollar in your budget count this year!

My services are free to you because I am paid by the companies I represent. If I can't save you money and bring you value I don't get paid.

I love meeting new people and seeing if there is any way to improve their finances, call or message me anytime to set up a free 15 minute info session so we can get you on the right track to Financial Independence!

Great day of skiing with my boys!! I am certain that every muscle in my body is now sore!
02/12/2022

Great day of skiing with my boys!!

I am certain that every muscle in my body is now sore!

02/02/2022

BIGGEST MISTAKE people make with their finances!

… they think it’s about math and numbers!

ITS ABOUT BEHAVIOUR! It’s about doing the right things at the right times!!

Join me for wealth Wednesdays on my Facebook group (roadmap to financial freedom) or DM me for a zoom link to the next one!

08/09/2021
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06/17/2021
To anyone struggling with gut pain, or simply having a hard time feeling comfortable in your skin YOU NEED TO TALK TO Ro...
06/15/2021

To anyone struggling with gut pain, or simply having a hard time feeling comfortable in your skin YOU NEED TO TALK TO Robyn Stewart. You are worth figuring out what keeping you stuck, causing you pain and stealing your energy!

Listen to your body 🎧

This advice is given ALL the time on social media, from family and friends, and it is even advice that I often give to my clients
.
But, what does this really mean? 🤨
Without any context behind this advice, there really isn’t much direction to help people understand what listening to your body means and what it can do for you

If we ignore what our body is telling us, it WILL catch up to us and can have some negative consequences if ignored too long.
Unfortunately, our ego often gets in the way and instead of listening to what our body is telling us, we push back like a defiant toddler! 😤
.
Here are some examples of how your body can be trying to communicate with you and why you should listen
.
🗣Feeling exhausted and tired?
- Time for a rest day and to prioritize sleep
- If you don’t listen, you will rack up some serious recovery debt which will impact your training and how you perform in your various life roles (parent, employee, spouse, etc)

🗣Feeling hungry all the time with constant cravings?
- Might be time to stop eating in a calorie deficit and focus on maintenance for a while
- If you dont listen, your body will continue to tell you it is DONE with the calorie deficit with other symptoms (ie loss libido, irritability, brain fog etc), which can translate into negative metabolic and hormonal health issues

🗣Feeling energetic with less bloating since drinking more water and eating less processed foods?
- KEEP DOING THESE THINGS - it is your body telling you it is happy with your habit changes!

Remember your body is SMART and it does its best to communicate with you!
YOUR job is to listen to what it is telling you, and adjust your behaviours accordingly!
This is a skill, it requires intention and mindfulness, but it is something absolutely worth working on so you can feel your very best and give your body what it needs 💕

06/14/2021
06/10/2021

Huge Thank you to Robyn Stewart from YQL Nutrition for taking the time to share your wisdom with us! We chat about how to transform your relationship with food to create long term healthy habits that allow you to feel more confident in your own skin!

If you are frustrated with fad dieting or have a performance goal you would be crazy not to check this out!

06/10/2021
Check out this new podcast episode! I had the pleasure of Interviewing Robyn Stewart from YQL Nutrition! We chatted abou...
06/09/2021
Change your Relationship with Food, with Robyn from YQL Nutrition by Proven Progress • A podcast on Anchor

Check out this new podcast episode! I had the pleasure of Interviewing Robyn Stewart from YQL Nutrition! We chatted about how to create life-long healthy habits by transforming your relationship with food. This is a must listen if you are frustrated with fad dieting, or have a specific performance goal in mind!

Robyn Stewart from YQL Nutrition shares what nutrition coaching is and how transforming your relationship with food can help people create healthy habits that last for not just a lifetime, but also for generations!

A reminder from the Book THE 4 AGREEMENTS by Don Miguel Ruiz. It is a quick and amazing read! but things to remember!
05/31/2021

A reminder from the Book THE 4 AGREEMENTS by Don Miguel Ruiz. It is a quick and amazing read! but things to remember!

All of our internal dialog makes us believe that people do things because of us. We believe we make people sad, angry, o...
05/27/2021

All of our internal dialog makes us believe that people do things because of us. We believe we make people sad, angry, or happy. We may think that people do amazing things for us because we are amazing, and we may also assume people do mean things to us because of something we have done... but the REALITY IS... everyone does things because of what is going on for them!

Like today I smiled at a stranger because I was feeling excited about life! ... not because that stranger looked like they needed smiling at, or they smiled at me first, or they looked sad or down... the truth is people do things based on what is going on for them, BUT we sure like to blame our behavior and emotions on others and take responsibility for the feelings of others... but when we do that we are lying to ourselves and the people in our lives!

Who do you value most in your life? Is it your family, your staff, your colleagues, your managers or leaders?  We all ha...
04/19/2021

Who do you value most in your life? Is it your family, your staff, your colleagues, your managers or leaders?

We all have people that we genuinely appreciate what they bring to our life... if not, you need to find some new people!

How are you showing these people you value them?

Tag someone you truly value!

We all want to "feel like" doing the things that are going to move us forward. True?  -  Be honest! If you felt like it,...
03/29/2021

We all want to "feel like" doing the things that are going to move us forward. True? - Be honest! If you felt like it, you would exercise every day, drink more water, eat celery, wake up earlier, and save your money for what you desire most!

The problem is all these things that are really good for us SUCK ASS!

But I am here to tell you, it doesn't always have to! You can actually program yourself to LOVE the PURSUIT of your GOALS!

For example I have conditioned myself to want to get up at 5am every single day... even on weekends! That is what I like. The same thing is true for my wife, she runs every single day!

You have to put effort into enjoying the pursuit of your goals or you will never reach them.

I can honestly say that I enjoy things that I used to hate... Waking up early, reading, putting my kids to bed!

I also am now disgusted with things that I used to LOVE! like drinking beer every day, ALL THINGS WITH SUGAR and napping!

I made a shift to enjoying things that push me forward, and disliking things that hold me back.

We are all waiting to feel inspired before we get started, but you will never feel inspired until you have energy for your goals! You have to JUMP IN AND TAKE CHARGE!

If this sounds like a journey you would like to go on join the 30 Day Transformation Challenge! ONLY 2 Days left to Register!! link in bio or https://bit.ly/3iEVEw5

03/25/2021
Turn Need to's into Want to's ...

If you really want to get moving when it comes to achieving your goals YOU HAVE TO change the things you need to do into the things you have to do! It is a constant transition! Watch video to see what I mean!

🎯If you have a HABIT you want to BREAK or CREATE... Check out my 30 Day Transformation Challenge! There are mountains wa...
03/24/2021

🎯If you have a HABIT you want to BREAK or CREATE... Check out my 30 Day Transformation Challenge!

There are mountains waiting to be climbed... (psst, your dreams) START CLIMBING THEM!

https://bit.ly/3iEVEw5
(Link in Bio)

No, People Don't Change... They Grow! Growth is about changing what things mean. If a 2 year old can't have a cookie, th...
03/24/2021

No, People Don't Change... They Grow!
Growth is about changing what things mean.

If a 2 year old can't have a cookie, that might mean the end of the world and an eye roll.

If a 12 year old can't have a cookie, that might mean my 'parents never get me,' and result in an eye roll and attitude.

At 22 when you want a cookie that might mean "Hell yeah! no one can tell be no!" and you may eat an entire thing of oreos!

Then at 32 when you want a cookie you may finally understand that at 2 and 12 your mom said no more cookies because she loved you, and you need to make that same decision to love yourself and say no to the cookies! ... or 42, or 52, or 62... whenever you decide you want to grow into treating yourself like someone you were meant to take care of!

- Here is the thing! We grow by default til about age 25, then we get settled into our "comfort zone" we think we are supposed to be pursuing comfort itself! I mean s**t 0-25 were a wild ride for me! I thought the point was to try to "settle down"

If you want to grow you have to do it consciously, and put effort into things. Just like it pi**ed you off at 2 and 12 when someone told you NO COOKIES. You still get experience, anger, sadness or fear whenever you don't get a vacation, a day off, or even to go out to a restaurant! Your emotions can be mastered through growth!

If you want to intentionally grow, I challenge you to "change everything" in 30 Days! check this out! https://bit.ly/3iEVEw5 (Link in Bio to 30 Day Transformation Challenge)

Address

10011 106th Street
Westlock, AB

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IT IS JULY!!! Welcome to summer months. Less schedules/ less routines/ less cold weather
More family time/more outdoors/more relaxing

June was SO BUSY over here in business and personal… I’m hoping for more down time in July. We expanded the free market to include a Saturday as well- so much more got taken by ppl than ever before 😬 will try the 2 days thru summer as well to see if the interest is there

We ramped up our contract with Immigration Services for their short term stays in 2 apts a block away from office. We took on ALL their laundry services as well. July already has many days booked in. They are amazing to work with.

We created Client Packages to give out at our 1st cleaning service full of info and needed policies. We are chipping away at sending them to all clients too so expect yours soon.

We created many procedures this past month with the guidance from our coach at Proven Progress Bonnie Provencal giving us more consistency and better communication with employees and clients.

Some newer employeeswere able to get in to our “house photographer “ to get professional head shots done- stay tuned for those! Photo Expressions Photography you always amaze us!

Personally as many of you know we welcomed a new grandson Heath into our family… he is just amazing and I’m soaking up as much time with him as I can. 4 generations in photo there.

Spent most of spare time in June working on the back covered patio and getting perennials thriving and staying alive. Most in front yard died over winter. 2nd time replanting front beds and half on one side of house flower bed!

Starting a Reno inside house next week so we are headed into RV for a week at least. Magrath RV park was only place we could find space. 😬🤦🏻‍♀️
Stay tuned for photos!

We are dealing with a newer diagnosis of a family member with dementia… it is very emotional and sad to see the decline. Pls be patient with me as we research next steps for them and get their affairs in order 💗 any one want to offer me advice or suggestions pls do. I worked many yrs with dementia patients but it was long time ago and it’s different when it’s the one you love.

July is going to be AMAZING! I can feel it…
Masks are off (mostly) now in our city but if you have concerns over cleaning crew coming into your home without a mask please reach out to the office (Britt will answer) to discuss.

Speaking of July- please keep your AC/FANS running when it’s your cleaning day. If it’s too hot we will be unable to complete the service.
Give us a heads up if your place is unusually hot and we can come up with a plan.

Stay cool! Enjoy the sun (when it’s not 37 degrees out there)- take some time to enjoy the things that make you happy 😃
Learn to delegate! I’m working on that 😬
HAPPY WEEKEND!!
THANK YOU, Proven Progress for being such a great practicum placement for Misty! We love when local businesses support our students in their educational and career goals! 💙
Another amazing workshop with Proven Progress!!
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Can’t wait for the next one 🙌
Opening the store and doing what we do has been and continues to be such an amazing journey. Taking care of the health of our bodies, and the planet. That's what we're about! We chatted with Bonnie Provencal of Proven Progress about why we do what we do, and are so thrilled to share the podcast episode with you! 💜
https://anchor.fm/bonnie-provencal/episodes/Take-care-of-the-two-places-you-live--your-body-and-this-planet-ectkor
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