Sandra Gilpatrick, CFP ®,CDFA™

Blog

Budgeting Challenges: workshop review

When creating a budget, many fail to consider the emotional and psychological intricacies involved in this process. During a virtual Budgeting Workshop, hosted on October 4, licensed mental health counselor and financial therapist Dasha Tcherniakovskaia helped attendees better understand why budgeting is so emotionally challenging.
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Time to talk about disability insurance

What would happen to your income if you were unable to work? Think about disability insurance to help solve this possible risk. Please click to see my video on the subject https://www.youtube.com/watch?v=g7mO-u_EVwo
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How do you find the right financial professional to work with?

How do you find the right financial professional to work with? The connection between a good hairdresser and having the right advisor to help you:
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Steps to take if you have a job loss

With the rise in unemployment form the pandemic, millions of Americans have lost their jobs. Here are some steps to take if you have a job loss in my video.
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Quarantine activity: electronic vault

Storing important information in a secure electronic vault can help give you access to files when you may need them most. You can organize documents in one place and have them available on your phone. Watch my video for details: https://youtu.be/kknpLTYeCBc
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Quarantine activity: two budget versions

Want to make the most of extra time at home? Try making two versions of your budget. The first is a "lean & mean" with only essential spending. The second version will include re-evaluated discretionay spending. Don't forget to build up your cash reserve in uncertian times too.
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What To Consider In Home Affordability

One of the most common questions I'm asked is, "how much can I afford to spend on a home?". After you've made the decision to purchase property, what should you consider? A first step is to look at a home affordability calculator, like the one on my site. However, this is just start of the thought process.
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Building Credit for Kids

Many people dive into the world of building a credit score at the age of 18. Your credit score is what helps lenders asses your repayment risk. A higher score will give you the best opportunities for lower interest rates when you need to borrow money. A good credit score is also important as future employers or even landlords often check your credit when they consider you as a candidate.
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With Budgeting; Small Bits Add Up

We are all busy getting though our daily lives. It can be difficult to carve out any extra minutes to make changes in our routines. However, I have an enticement... how about if it could save you some money each month?
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Budgeting life priorities

I am in good company with many of my clients sharing an affinity for clothing, jewelry & shoes. My inspiration to write this blog in part is keeping my fingers busy so I don’t click “buy” to a gorgeous pair of chinoiserie golden velvet slippers. I figured, since I’m still thinking about these shoes days later, that others have the same battle with their budgets.
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Personal Contingency Planning: It’s for financial and physical well-being

I recently attended an event for women advisors. Besides financial education, we had a former Navy SEAL combat veteran Phillip Koontz as a speaker, who taught us self -defense situational awareness. While my aim is to empower women with their finances, building confidence through situational awareness is good physical contingency planning to share to help other women.
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My interview with Boston Voyager Magazine

Boston Voyager Magazine  | November 30, 2017I was delighted to be highlighted in Boston Voyager Magazine. Please read my interview to get to know me and my business better : interview linkhttp://bostonvoyager.com/interview/meet-sandra-gilpatrick-sandra-gilpatrick-cfp-cdfa-wealth-consultant-downtown-crossing/
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Budget helper: Cooking at home

As the weather is crisper and our calendars are booking up with festive events, thoughts come back to my cooking demonstration client event around this time in 2015.  I try to make learning about personal finances more interesting by relating topics to daily life. Food is a budget item to discuss with many when financial planning. 
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Are you paid what the job is worth; Is negotiating pay different for women?

Pay negotiation strategies from my client event's expert speaker, Katie Donovan
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Equifax Data Breach: What Should You Do?

Steps you can take with a credit security breach
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Cybersecurity Tips

In today's highly digitized world, the most common avenues through which a criminal will commit fraud or identity theft will likely be through your credit or computer.Here are some easy financial tips to help keep your credit safe.
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Why consider a will?

Learn about what you need to think about when it comes to your will with my guest authored article on the Boston Mamas site.
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Three things you should not overlook

So much of our lives are intertwined with our finances, I wanted to share three items you may not realize might need your attention!
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Financial Literacy: How to head towards financial security

Are you worried about becoming a baglady? You may be surprised to see who else is concerned in this Financial Security post
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Financial Literacy: How To Start Saving For College

Curious about how the tooth fairy and tuition are related? Please read my article How To Start Saving For College . I am proud to be a contributing author getting the word out on the Boston Mamas site.
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Financial Literacy: How To Teach Kids To Budget

It starts with a budget! Please read my article on the Boston Mamas website: Teaching Kids To Budget
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Personal Contingency Planning Basics

So, what is an estate? Estate planning is universal and crosses both gender and age. Many think you must have expensive possessions to qualify. An estate can be as simple as just having a pet. Nearly all of us have an estate. I welcomed Attorney Kerry Reilly as my guest speaker to help inform about the importance of estate planning. This includes both personal and family contingency planning.
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Budget item for attention: charitable contributions

My budget lesson: charitable contributions I bring charitable contributions as a budget item for attention, as I noticed it has been popping up on the radar of my own budget. Boston, the marvelous city it is, had countless charitable organizations. You may also receive asks from friends bravely running or biking endless kilometers for worthy causes who would like your support.  There are never ending public policy issues requesting backing. Often memorial gifts are charitable donations
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