Happy July! We’re officially halfway through 2026, and I’m grateful for the start of a new month.

The last couple of weeks were rough. My energy was low, and so was my mood. In an effort to distract myself, I started watching the UK version of Ghosts. After binge-watching it, I needed another low-key show, so I decided to give Ted Lasso another try. I had watched a few episodes a couple of years ago. Then last year I tried again. Third time's the charm. This time, I loved it. It got me thinking about readiness.

Sometimes it isn't that something is bad. Sometimes we're simply not ready for it yet. Other times, the timing changes. We change. The circumstances change. And occasionally, the thing itself changes too.

That's exactly what happened with YNAB.

The first time I tried it, I wasn't a fan. Over the years, the software evolved and became much more intuitive. At the same time, I was in a different place and ready to approach my finances differently. The combination made all the difference. Now I'm a certified YNAB coach and use it every day for both my personal and business finances.

It made me wonder...is there something you've written off in the past that keeps quietly nudging you?

• Maybe it's budgeting.
• Maybe it's organizing your home.
• Maybe it's exercising.
• Maybe it's learning a new skill.
• Maybe it's reaching out to an old friend.
• Or maybe it's something completely different.

There isn't one "right" way to do things—only the approach you're ready to use right now. Before YNAB, I managed my money with a simple paper-and-pen system for years. What matters isn't finding the perfect system. It's finding the one that helps you move forward today.

You still have six months left in 2026. Maybe you need a reset. Maybe you don't. Either way, take a moment to recognize how far you've come. And if there's something you've dismissed before that keeps tugging at you, try it again. Maybe it'll be one of your favorite things like YNAB and Ted Lasso are now for me. And if not, that's okay too.

xo,

Litsa

P.S. If your finances could use a fresh set of eyes, my Budget Rescue Review is designed to help you find opportunities, catch what you may have overlooked, and create a clear next step—without judgment or overwhelm. Sometimes a reset is easier when you don't have to figure it out alone. Email me back or click here to learn more.