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11/05/2026

𝗕𝗲𝗳𝗼𝗿𝗲 𝘁𝗵𝗲 𝗿𝘂𝘀𝗵 — 𝗼𝗻𝗲 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻. 🍂

The calendar fills up fast this time of year. The things we’re most thankful for usually don’t come with a receipt.

𝗪𝗵𝗮𝘁’𝘀 𝗼𝗻𝗲 𝘁𝗵𝗶𝗻𝗴 𝘆𝗼𝘂’𝗿𝗲 𝘁𝗵𝗮𝗻𝗸𝗳𝘂𝗹 𝗳𝗼𝗿 𝘁𝗵𝗮𝘁 𝘆𝗼𝘂 𝗰𝗮𝗻’𝘁 𝗽𝘂𝘁 𝗮 𝗽𝗿𝗶𝗰𝗲 𝗼𝗻?
𝗧𝗲𝗹𝗹 𝗺𝗲 𝗶𝗻 𝘁𝗵𝗲 𝗰𝗼𝗺𝗺𝗲𝗻𝘁𝘀.

11/03/2026

𝗣𝗹𝗮𝗻𝗻𝗲𝗱 𝘀𝗽𝗼𝗻𝘁𝗮𝗻𝗲𝗶𝘁𝘆. 𝗦𝗮𝘆 𝘄𝗵𝗮𝘁? 🤔

Toys for Tots. The giving tree at church. A friend going through a really tough time.

We want to be generous. The trouble is, the giving often happens before the money has been planned for it.

This month’s blog is all about setting money aside before the needs present themselves and tug at your heart. Planned Spontaneity allows you to create room for generosity without breaking your budget.

Prudence and generosity aren’t opposites. They work together and make it sustainable.

👇 This month’s blog Link is in the comments.

𝗪𝗵𝗲𝗻 𝗮 𝗻𝗲𝗲𝗱 𝗰𝗼𝗺𝗲𝘀 𝘂𝗽, 𝗱𝗼 𝘆𝗼𝘂 𝗴𝗶𝘃𝗲 𝗿𝗶𝗴𝗵𝘁 𝗮𝘄𝗮𝘆 𝗼𝗿 𝘁𝗵𝗶𝗻𝗸 𝗶𝘁 𝗼𝘃𝗲𝗿 𝗳𝗶𝗿𝘀𝘁? 𝗧𝗲𝗹𝗹 𝗺𝗲 𝗶𝗻 𝘁𝗵𝗲 𝗰𝗼𝗺𝗺𝗲𝗻𝘁𝘀.

10/29/2026

𝗠𝘆 𝗰𝗵𝗮𝗹𝗹𝗲𝗻𝗴𝗲 𝘁𝗼 𝘆𝗼𝘂... 𝗦𝘁𝗮𝗿𝘁 𝗮 𝗧𝗵𝗮𝗻𝗸𝘀𝗴𝗶𝘃𝗶𝗻𝗴 𝗽𝗹𝗮𝗻 𝗻𝗼𝘄!

Thanksgiving is four weeks out. Decide now if you're going to travel or if you're going to host. Is it going to be a big group or a small group?

Those two questions shape almost everything else, the grocery bill, the gas, or flight costs.

Waiting until the week before to figure this out is how the holiday hangover starts.

If you're hosting, get a rough idea of what the menu is now. It's all about making a plan and shopping once, strategically.

If you're traveling, start looking at those expenses now. Don't wait until the last minute to book. Start looking now so you can flag a good price.

Either way, a little planning now will start the season off right.

𝗖𝗵𝗮𝗹𝗹𝗲𝗻𝗴𝗲 𝗮𝗰𝗰𝗲𝗽𝘁𝗲𝗱... 𝗖𝗼𝗺𝗺𝗲𝗻𝘁 𝗯𝗲𝗹𝗼𝘄 𝗮𝗻𝗱 𝘁𝗲𝗹𝗹 𝗺𝗲 𝘄𝗵𝗮𝘁 𝗧𝗵𝗮𝗻𝗸𝘀𝗴𝗶𝘃𝗶𝗻𝗴 𝗶𝘀 𝗴𝗼𝗶𝗻𝗴 𝘁𝗼 𝗹𝗼𝗼𝗸 𝗹𝗶𝗸𝗲 𝗳𝗼𝗿 𝘆𝗼𝘂. Image

And if you missed the free tool, check out the blog page.

👇 Link is in the comments.

10/27/2026

𝗧𝘄𝗼 𝗵𝗼𝗹𝗶𝗱𝗮𝘆 𝘀𝗲𝗮𝘀𝗼𝗻𝘀, 𝗼𝗻𝗲 𝗰𝗹𝗶𝗲𝗻𝘁.

The first year we worked together, her holiday plan was simple: spend what I'm going to spend, Christmas is off the table.

The next year, everything was different. She knew exactly what she was going to spend, because she had goals. Emergency savings. Travel. Investing for the future. If anyone had a problem with her number, that was on them.

Whatever your goals are, this year's holiday expenses shouldn't outrank them. That doesn't mean no gifts, unless that's your choice. It just means giving from your heart without overextending your bank account.

This month's blog walks through what changed between her holiday one and holiday two.

👇 Link is in the comments.

𝗗𝗼 𝘆𝗼𝘂 𝗵𝗮𝘃𝗲 𝗮 𝗽𝗹𝗮𝗻 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝗺𝗼𝗻𝗲𝘆 𝗯𝗲𝘆𝗼𝗻𝗱 𝘁𝗵𝗲 𝗵𝗼𝗹𝗶𝗱𝗮𝘆𝘀?

10/22/2026

𝗪𝗵𝗮𝘁'𝘀 𝘄𝗼𝗿𝘁𝗵 𝗽𝗮𝘆𝗶𝗻𝗴 𝗳𝗼𝗿 𝘁𝗵𝗶𝘀 𝗳𝗮𝗹𝗹?

Not every fall activity needs to be free to be worth it. Some things are worth every penny.

A corn maze with your kids. A haunted house with friends. A pumpkin patch that goes all out with the hayrides and the photo ops.

𝗪𝗵𝗮𝘁'𝘀 𝘆𝗼𝘂𝗿 𝗳𝗮𝘃𝗼𝗿𝗶𝘁𝗲 𝗽𝗮𝗶𝗱 𝗳𝗮𝗹𝗹 𝗼𝗿 𝗛𝗮𝗹𝗹𝗼𝘄𝗲𝗲𝗻 𝗮𝘁𝘁𝗿𝗮𝗰𝘁𝗶𝗼𝗻 𝗶𝗻 𝗡𝗼𝗿𝘁𝗵𝗲𝗿𝗻 𝗖𝗼𝗹𝗼𝗿𝗮𝗱𝗼? 𝗗𝗿𝗼𝗽 𝗶𝘁 𝗯𝗲𝗹𝗼𝘄.

10/20/2026

𝗣𝗲𝗿𝗺𝗶𝘀𝘀𝗶𝗼𝗻 𝗴𝗿𝗮𝗻𝘁𝗲𝗱: 𝘀𝗸𝗶𝗽 𝘁𝗵𝗲 𝘁𝗵𝗶𝗻𝗴𝘀 𝘁𝗵𝗮𝘁 𝗮𝗿𝗲𝗻'𝘁 𝘆𝗼𝘂𝗿 𝗰𝗵𝗼𝗶𝗰𝗲.

A holiday plan isn't only about numbers. It's about permission.

Permission to skip the gift for the coworker two cubicles over. Permission to opt out of the events you feel obligated to attend but never actually chose.

This season is about faith, family, and love. It's not about the gift count.

What I'm hearing everywhere right now, in community groups, in business groups, in the news, is that everybody feels the squeeze. So if you limit what you spend, draw names instead of buying for everyone, do a white elephant, or skip gifts altogether, you're probably not the only one who feels relieved. When you give yourself that freedom, you free up the people around you to do the same.

This month's blog goes deeper on where that freedom comes from.

👇 Link is in the comments.

𝗪𝗵𝗮𝘁'𝘀 𝗼𝗻𝗲 𝗲𝘅𝗽𝗲𝗰𝘁𝗮𝘁𝗶𝗼𝗻 𝘆𝗼𝘂'𝗿𝗲 𝗿𝗲𝗮𝗱𝘆 𝘁𝗼 𝗹𝗲𝘁 𝗴𝗼 𝗼𝗳 𝘁𝗵𝗶𝘀 𝘆𝗲𝗮𝗿?

10/15/2026

𝗙𝗿𝗲𝗲 𝗛𝗮𝗹𝗹𝗼𝘄𝗲𝗲𝗻 𝗳𝘂𝗻 𝗮𝗿𝗼𝘂𝗻𝗱 𝗡𝗼𝗿𝘁𝗵𝗲𝗿𝗻 𝗖𝗼𝗹𝗼𝗿𝗮𝗱𝗼.

You don't need to spend a dime to have a great Halloween with your kids this year. Here's where to find it:

🎃 𝗟𝗼𝘃𝗲𝗹𝗮𝗻𝗱 𝗧𝗿𝘂𝗻𝗸 𝗼𝗿 𝗧𝗿𝗲𝗮𝘁 — Sat, Oct 10, 10am-noon, Loveland Police Department
🎃 𝗛𝗮𝗹𝗹𝗼𝘄𝗲𝗲𝗻 𝗛𝘂𝗹𝗹𝗮𝗯𝗮𝗹𝗼𝗼 — Sat, Oct 24, 12-3pm, Fall River Dr, Loveland (carnival rides, candy booths, costume contest)
🎃 𝗛𝗮𝗹𝗹𝗼𝘄𝗲𝗲𝗻 𝗼𝗻 𝘁𝗵𝗲 𝗣𝗿𝗼𝗺𝗲𝗻𝗮𝗱𝗲 — Sun, Oct 25, 12-3pm, The Promenade Shops at Centerra, Loveland (free pumpkin and trick-or-treat bag for kids)
🎃 𝗪𝗶𝗻𝗱𝘀𝗼𝗿 𝗛𝗮𝗹𝗹𝗼𝘄𝗲𝗲𝗻 𝗖𝗮𝗿𝗻𝗶𝘃𝗮𝗹 — Thu, Oct 29, 1-4pm, Windsor History Museum
🎃 𝗧𝗶𝗻𝘆 𝗧𝗼𝘁 𝗛𝗮𝗹𝗹𝗼𝘄𝗲𝗲𝗻 — Fri, Oct 30, 10am-1pm, Old Town Square, Fort Collins

Free costume contests, free family memories. Pin this post so you don't lose it.

𝗪𝗵𝗮𝘁'𝘀 𝘆𝗼𝘂𝗿 𝗳𝗮𝘃𝗼𝗿𝗶𝘁𝗲 𝗳𝗿𝗲𝗲 𝗮𝗰𝘁𝗶𝘃𝗶𝘁𝘆? 𝗣𝘂𝘁 𝗶𝘁 𝗶𝗻 𝘁𝗵𝗲 𝗰𝗼𝗺𝗺𝗲𝗻𝘁𝘀 𝗮𝗻𝗱 𝘀𝗵𝗮𝗿𝗲 𝗮 𝗹𝗶𝗻𝗸.

10/13/2026

𝗠𝗮𝗸𝗲 𝗮 𝗹𝗶𝘀𝘁, 𝗰𝗵𝗲𝗰𝗸 𝗶𝘁 𝘁𝘄𝗶𝗰𝗲 — 𝗮𝗻𝗱 𝘁𝗵𝗶𝘀 𝘁𝗶𝗺𝗲, 𝗱𝗼 𝘁𝗵𝗲 𝗺𝗮𝘁𝗵.

Every gift. Every gathering. Every "it's just a small thing" purchase. Yes, all of it.

Holiday spending doesn't feel like spending while it's happening. It feels like cheer, one gift, one decoration, one outing at a time. That's exactly why it's so easy to lose track of.

The fix isn't complicated. Write down everyone you're buying for and everything you're planning. Add it up. Then do the gut check: does that number bring relief, or does it bring dread?

This month's blog walks you through that plan, 𝗽𝗹𝘂𝘀 𝗮 𝗳𝗿𝗲𝗲 𝘁𝗼𝗼𝗹 to make the list easy.

👇 Blog Link, with audio options too, is in the comments.

𝗪𝗵𝗮𝘁'𝘀 𝗼𝗻𝗲 𝗲𝘅𝗽𝗲𝗻𝘀𝗲 𝘆𝗼𝘂 𝗮𝗹𝘄𝗮𝘆𝘀 𝗳𝗼𝗿𝗴𝗲𝘁 𝘁𝗼 𝗽𝗹𝗮𝗻 𝗳𝗼𝗿?

10/08/2026

𝗔 𝗳𝘂𝗻 𝗰𝗼𝘀𝘁𝘂𝗺𝗲, 𝘇𝗲𝗿𝗼 𝗴𝘂𝗶𝗹𝘁.

Kids dream big when it comes to costumes. One year, one of my sons wanted an Iron Man costume. A fully functioning one that flew.

Kids also change their mind about their costume roughly four times between now and October 31st. You don't need a new one every time they do, and you definitely don't need the fully-loaded, flying version.

Before buying anything new, check the thrift store first. Halloween sections are already set up, full of costumes worn once and never again. Swap with another family or shop your own closet: a black shirt and cat ears, a cape and a mask, coffee grounds applied to some lotion on your face can make for a good five o'clock stubble.

𝗪𝗵𝗮𝘁'𝘀 𝘁𝗵𝗲 𝗺𝗼𝘀𝘁 𝗰𝗿𝗲𝗮𝘁𝗶𝘃𝗲 𝗰𝗼𝘀𝘁𝘂𝗺𝗲 𝘆𝗼𝘂'𝘃𝗲 𝗽𝘂𝘁 𝘁𝗼𝗴𝗲𝘁𝗵𝗲𝗿 𝗼𝘂𝘁 𝗼𝗳 𝘀𝘁𝘂𝗳𝗳 𝘆𝗼𝘂 𝗮𝗹𝗿𝗲𝗮𝗱𝘆 𝗵𝗮𝗱?

10/06/2026

𝗪𝗵𝗮𝘁 𝗱𝗼 𝘆𝗼𝘂 𝗺𝗲𝗮𝗻... 𝗵𝗼𝗹𝗶𝗱𝗮𝘆 𝗵𝗮𝗻𝗴𝗼𝘃𝗲𝗿?

That first week back to normal life after the holidays. The tree just came down. You just headed back to work.

There's a little bit of dread starting to build because you know that credit card bill is coming. Maybe there's even a little bit of shame. That "oh no, what did I do" feeling.

You're exhausted. You're just starting back on the routine. And now you're doing the math on a season that felt like it snuck up on you.

But did it actually sneak up on you?

No. It really started back at Thanksgiving, one little unplanned decision at a time.

This month's blog walks through where that holiday hangover starts, and how one plan, even if it's imperfect, can save you from that feeling at the beginning of the year.

👇 Link to Read or Listen is in the comments.

𝗗𝗼𝗲𝘀 𝘁𝗵𝗶𝘀 𝗳𝗲𝗲𝗹𝗶𝗻𝗴 𝘀𝗼𝘂𝗻𝗱 𝗳𝗮𝗺𝗶𝗹𝗶𝗮𝗿?

Address

Milliken, CO
80543

Telephone

+19709803516

Website

http://Cardocoaching.com/

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