Dear Fellow Spender

The way most people talk about it, money management sounds dreary and boring. Or like budgeting will wreck all your fun. Debunking all this and presenting money management in a fun, positive light is the purpose of this book.

You can't spend your way into a feeling of worth. But you can spend in a way that actually makes you happy.

I get it. This book is not written to tell you spend less. It's written—spender to spender—to help you simply get proactive with your money, get results you love, and be able to live with more purpose.

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Yes, you can enjoy your money.

You can enjoy managing and spending it. This book was written to inspire you with your money to get out of debt, build savings, and—most importantly—use it to create a life you love.

It's importantly written by a former money mess and budget loather who now understands the possibilities made possible by happily-managed money.

If you stress about money, don't love budgeting, wonder where all your money goes, and why things always feel tight despite making good money, this is the book for you.

But wait—there's more!

Bonuses for you.

You may worry about your ability to stick this out, and make it transformation. Let's face it, I can't do the work for you. I've created the blueprint you need to get results and a system you love, and in these bonuses I'm including the accountability and community you need to make permanent changes in your money and life. There may even be prizes, because, who doesn't like prizes?!

$547 VALUE

Weekly Live Q&As

You'll be able to submit questions ahead of time, or ask questions real-time. And for anyone feeling really brave, each week I will bring at least one student on for "hot seat coaching." You will learn so much from the questions of others, and knowing that you can ask questions real-time makes this something that will change your money for good.

Weekly Live Study Hall Hours

I will have dedicated time each week for quick 1:1 help since there's no replacement for someone looking at what you're seeing real-time. You will be able to sign up on a private calendar for this individualized help.

Support via Email

Sometimes you just need to know that you can "email a friend." Especially one who's walked this path before you and who "gets" it. I respond to emails as soon as I'm able, M-F, and will do sporadic, proactive check-ins to see how things are coming along for you!

Your risk is protected.

I got you! Magic in Your Money is back by a risk-free 14-day guarantee.

Life is all about risks, but this doesn't need to be one of them!

How about we save those risks for the exciting chances you'll take on yourself? Great, we're agreed!

If you get into the course and find that it’s not for you, just email support@mosomoney.com, show that you did the work, and we’ll issue a refund, easy peasy! 

Professional reviews:

It's not like me to want to read a book about budgeting. But guess what? This one is shame-busting, engaging, relatable in every way and motivating!

Kathryn Reynolds, LMFT (Licensed Marriage and Family Therapist)

A light, easy read that debunks the myth that budgeting means deprivation. You can feel Emily's passion for budgeting through the entire book.

Kay Ockey, Co-founder at Centsei

If your relationship with money feels overwhelming and shame-filled, this book will leave you feeling empowered, hopeful, and excited about managing your money.

Bonnie Wiscombe, Life Coach & Entrepreneur

Want to improve your life and finances at the same time? Dive in and see how giving every dollar a purpose can move you forward and give you confidence in the way you pay down debt, spend and save. Emily’s passion for budgeting is infectious!

Anne M. CFP®, CMC®

You've got questions.
I've got answers.

Others in your exact same shoes have had questions before buying!

I’m nervous I can’t do this—I’ve tried all the budgeting before.
But have you tried budgeting like I teach? I doubt it! Because the kind of monthly money management I teach is the kind you never want to walk away from. Even as a spender.
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I actually failed twice on even an amazing budgeting tool (YNAB) before finally making it stick. It turns out a budget is only part of the puzzle, and the other things we cover in the course are critical in you making a permanent change. If you can do basic math, you can do this. The most important thing is motivation and the desire to do money different.  You've got that? Okay!
Who is this course for?
Any independent spender who has all the feelings about money!

This course is especially for non-frugal women (and any guys who resonate with my approach!) who have yo-yoed with credit card spending and debt, and those who like to spend and have nice things. Any non-frugal person with big plans and who is ready to DO money different.
Do I get the course all at once?
No. You're welcome :-) By the time you've made it this far, I know you are anxious to dive right in and do it all, but I've found that it works best to pace. Otherwise, you may be tempted to skip the very steps that set you up for success, and skip right to budgeting.

If you "binge budget," you will be so much more likely to do deprivation budgeting—cutting all the things you feel guilty about. This a sure-fire way of wanting to quit immediately. If you trust me and the process, you will love the near- and long-term results.
What if I like debt and have no problem with lots of credit balances?
I am probably not the coach for you—no hard feelings, though! I just have yet to meet someone who can make traction while they keep straddling the debt horse. And I want to be part of you making massive progress and choose to work with clients who are tired of debt.
Is this a DIY course where I'm thrown to the wind to figure it out?
Such a great question, because heaven's knows there are a lot of courses like that out there.

Short answer: Heck no! This course has loads of accountability and pacing (modules are released weekly). While you will still have to do the work, you will have all the PDF guides and checklists you need to stay on track and take it a week at a time!
How much time goes into this whole "monthly money" budgeting thing?
You'll want to plan a couple hours per week during the course. If you have a pile of stuff to clean up, it may take you a bit longer to untangle it and come face to face with your reality. But think of it this way: you're just taking some of the time you currently spend worrying about your money or beating yourself up over it, and channeling it into creating new systems.

It's a little like planning a trip; are you willing to invest a couple hours into that? You are because it's something you want to do. The way I teach this, you will want to put in the effort. Because you will be able to do things like take more trips!

You will stay in touch with your money even after the course ends.  If you take the time during this course to really come face-to-face with all your spending and emotions of money, you will save yourself countless wasted dollars and energy in the long run.
What is the time commitment for this course?
This depends on how complicated your current money situation is:-) I would plan on 2-3 hours during the coursework part of the course to watch the videos, complete the worksheets, and DO the work. Just take some of the time you currently spend worrying about your money or beating yourself up, and channel it into creating new systems.

It's a little like planning a trip; are you willing to invest a couple hours into that? You are because it's something you want to do. The way I teach this, you will want to put in the effort.
Is anything else required?
In order to organize your money and keep it organized, you need a tool. I will be using YNAB (You Need A Budget) and strongly recommend you use the same so I can support you best.

This is a separate cost and subscription you will sign up and own. YNAB just works for literally every client I have worked with and I have yet to find a tool I like better. 

It’s free for 34-days and I recommend you wait to sign up so you can take full advantage of the trial.
What do I need to have for this course?
1. Access to a tablet or laptop/desktop computer.
‍2. Basic technical skills. Do you know what a browser is? :-)
Are you a financial advisor?
Nope! And I definitely don't pretend to be :-) While I was in my money-mess phase, the last person I wanted to talk with (even though I'm sure they would've been kind) was someone with credentials. This course is all about gaining or regaining your financial confidence and getting the roots of your money right so you can do bigger things with your money.

You are still the one calling all the shots in your spending and I recommend you include a financial advisor in your big-picture money decisions.

Reader reviews:

It felt like I was having a money conversation with a best friend who wants to empower me to take control, not only my money, but of my life.

This book is a must for anyone stuck in that vicious cycle of accruing debt and ignoring their bank accounts. You won’t regret it!

Truly the first time any advice about "budgeting" resonated with me.

Emily does a great job of making accessible a topic that most people run away from.

If budgeting is a dirty word for you but you want to get control of your runaway finances, this the book for you.

“Dear Fellow Spender” is written with unique talent – the reader will yearn for the author’s perspective and voice again on this and other topics.

OMG - WOW. I have been struggling with budgeting for years and I have never, ever, ever, read more approachable, kind, tough loving advice for budgeting.

Great book. Friendly, funny, and encouraging. Emily also offers simple, practical steps for managing our day-to-day finances as a path to a fulfilling, happier life with less stress.

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