About Avraham Byers
I'm Avraham — reformed spender, financial coach. I help people take control of their money (without giving up their lattes).
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I love being silly and telling cheesy jokes. To prove it to you, here’s one: What’s Forrest Gump’s Gmail password? 1forrest1 Get it? Run Forest run! 1forest1! Lol! 😆 Contrast to daddy jokes; finances are dull and boring. To most of us, there’s nothing exciting about budgeting or spreadsheets. And to make things worse, most of the financial pro’s our...
Superman is faster than a speeding bullet, more powerful than a locomotive, and able to leap tall buildings in a single bound. But he’s not invincible. Kryptonite weakens him. If he gets too close, that little glowing green rock will bring him down to his knees. Let me ask you a question. Does Superman hang around kryptonite or does he try...
Budgeting is 80% emotional and 20% numerical. In other words, 80% of your success with budgeting is based on your emotions, while only 20% is based on your numbers. Learning how to deal with fear, jealousy, and regret are the main components of budgeting you need to master. Sure, an app can crunch your numbers. But it can’t master your...
Tension is what makes us take action. It’s the urgency that we feel when we need to get something done. If there isn’t enough tension, we “push it off” and don’t do anything. With finances, for example, we feel tension when we see a larger than expected credit card bill or a line of credit that just keeps on going...
Mint, Quicken, Mvelopes, and YNAB are just a few budgeting apps out there. They’re all useless. Useless, if you’re not ready to change. All too often, we look for tech to solve our problems. That’s our starting point. Like if we find the right computer program or app, all our financial worries will go away. So we load all our data...
Here are some common things we say: I can’t lose weight. I can’t have supper with you tonight. I can’t get that project done on time. I can’t be happy. Here are some financial (and common) things we say: I can’t pay off my debt. I can’t save money. I can’t budget. I can’t make more money. I can’t, I...
Most of us keep our finances to ourselves. Kinda like holding a deck of cards to our chest. I get it — we’re afraid what people think about us. Maybe they’ll think we’re a failure. Or worse, maybe they’ll see that we’re a fake. So, as a result, we end up alone in fear of our finances (and interestingly, you...
Here’s a list of common financial lingo you probably already know: Spreadsheet Forecast Cash-flow Debt repayment Surplus Retirement savings Unexpected expenses Equally as important, but not as well known, here’s a list of “uncommon” financial lingo: I have the power to change. I can. I will. I’m in charge today. I’m happy with what I got. I’m not going to compare myself with...
Does “taking control of your finances” sound impossible to you? Sure, you might be able to budget for a week or two, but after that, fuhgeddaboudit. C’mon, you’ll never stick to a budget. Right? Does that sound familiar? Listen carefully; you should know, it IS possible for you to master your money, once and for all. Lucky for you, I...
I’m not a coupon cutter — and probably will never be one. My wife, Yael, on the other hand, is the complete opposite. She always knows where to save 0.50¢ on English Cucumbers and a buck off a box of Cheerios. Yael is what I call a “micro-saver.” Don’t get me wrong; I think coupons and price matching are fantastic....
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