Bronwyn Candish

I am definitely like a software girl.

So I'm using Xero for, you know, when it's business related.

Actually, I use it for my personal too.

So there's that about keeping track of things.

I think if you know roughly about like what a year of the life costs, you know, or what you're

annualized expenses are, then it removes some of those lumps, right?

Another thing that I've used that's really, again, it's directed at business, but it's actually worked really, really well in my personal life, is this thing called the Profit First system, which is based on a book.

But loosely, if you sort of look at your annual budget, we say, right, okay, my mortgage is about, say, 25% of my annual income.

I'm going to put 25% of every paycheck I get of this lumpy money that I get

into the mortgage sinking fund, right?

And so if you can break things down into percentages, that can really help you sort of smooth out some of those lumps or allocate those lumps when they come in.

I think that can be really helpful.

Pocketsmith as well is a fantastic tool that you can use.

They, you know, pitch themselves for the household CFO, right?

So it's a fantastic tool.

to get some visualizations.

If you're a bit more of a like visual person than a numbers person, the dashboards, the pretty colorful charts can be super useful.

And if you did, how did you overcome it?

It's really interesting.

Katie just touched on it a little bit earlier that I had that realization that actually I am an investor.