Monthly Archives: January 2019

New Year, New You!

ACPEN presenter, Joy Principe, kicks off 2019 by helping us better manage our money and our relationships! We love having Joy in studio. She brings her expertise and energy to every presentation, and it results in a truly engaging CPE experience. Be sure to check back in the summer for new content from Joy! Now, check out Joy’s blog below for tips for you (and your clients) on successfully navigating the potential mine field where money meets relationships.
Joy’s ACPEN Courses

Navigating The Money & Relationship Dilemma

“Money Dilemmas” can sometimes create awkwardness and discomfort in relationships. In my work as a Success Coach and CPA, I hear all kinds of situations that will either create walls between people or create opportunities to thrive financially. After all, we all have patterns and beliefs around money. And, when our set of money beliefs and patterns mingle with another person’s, there is potential for conflict and difficulty. However, relationships also offer the opportunity to try on new money beliefs and grow into our prosperity consciousness. Here are a few tips for navigating money and relationships in a healthy, positive way.

1. Building Trust:

We need to feel safe, encouraged and empowered in order to create an environment where abundance thrives. Relationships can offer an opportunity to create safety around the topic of money and receive encouragement.

One simple, yet powerful way to build your trust in money through relationship is to share your “money secrets” with another. What do I mean? Secrets such as the amount of debt you have and the feelings of possible shame and overwhelm that may go along with it. Maybe it’s your overspending habit or denial about the dreaded ‘bill pile”. Come clean with one of these money secrets and watch your world transform.  A friend, spouse, relative or your Coach will do. Choose someone who you know will be supportive and be clear as you make the request – “I’d like you to just listen, with no judgment or advice”. Feel yourself lose about 10 lbs of heaviness, when you share this secret with someone who will meet it with a warm heart and encouragement.  We all need to feel forgiven about one money secret or money mistake.  Then, offer to be that person in return.

2. Establishing Boundaries:

Relationships give us an opportunity to learn how to say “yes” with enthusiasm or “no” with kindness. Anytime that a friend or loved one makes an invitation or proposal involving money, you have this opportunity to create a healthy boundary. Make it a practice to be clear about money, even when it is uncomfortable.

For example, when going out with colleagues, establish at the beginning of the evening how the bill will be handled. If you are invited to something that is outside of your comfortable price range, speak your truth without shame or embarrassment, and stand in pride for managing your finances responsibly. If someone asks to borrow money, be very clear about your decision and its potential repercussions. The key to boundaries is clarity, and clarity that you create in your relationships with other people is then mirrored in the clarity you make in all your financial decisions.

3. Expanding Possibilities:

Sometimes our relationships with people have expectations attached to them. When we realize that this person can’t come through in the way we expected, the great news is that this forces our hand to look for possibilities in other ways. Money is a great training ground for expanding possibilities that spills over into your whole life. Try this new belief on for size: “There are literally hundreds of portals of possibility for money to flow to me.”  Close your eyes and image this…hundreds of ways for this money desire to find you.

With this new belief, that one person who just said ‘No,I can’t help,” or “No, I don’t have the money to chip in for that,” or “No, I’m not interested in your service” — suddenly it’s no big deal because you’re not thinking …”OMG, you were my only hope!” Not anymore… now you have a new belief that you are nurturing… the portals of possibility belief. This allows you to smile and move on to the next place. Creating abundance is the practice of seeing new possibilities, and our relationships and interactions with others can help us do that.

4. Sharing a Vision:

Oftentimes we have very different values and desires when it comes to money in our significant relationship.  One quick way to balance this out is to find at least one money goal that you share and can get excited about together.  It builds a bond between you and even though you may disagree about other money values, you’ll have this one common goal that can feel amazing as you complete it together. This is great practice for getting excited about money goals in general. Our experiences of abundance are directly related to our excitement and enthusiasm, so getting excited about a financial goal with another person can increase your experiences of getting excited about your own personal goals.

Choose one experiment each week from these tips and watch your abundance grow this month! Before long, you’ll be known in your circles as the person with “That Money Savvy” that everyone admires and respects.


Joy Principe, is a CPA and a Success & Wellbeing Coach who specializes in the concepts of abundance, thriving & joyful living.
She brings a diverse background to her work. She has been an entrepreneur and CPA business owner for 25 years, and she is also trained as a Certified Rubenfeld Synergist, a Transformative Coach and yoga teacher. She has been leading groups for over 10 years with her rare blend of analytical and creative qualities that inspire people to their personal greatness in a very practical and playful way. Her group programs and one-on-one sessions are focused on leading businesses and individuals to meaningful and sustainable success and happiness. Simply put, she guides people in creating their ideal lifestyle.

Learn more about her philosophy of success at her website: .
She can be reached at