Grace Tinsen

@rdpanda.bsky.social

Went broke as a business owner before I worked in finance. Desperation taught me money. 25 years made it my profession. Int'l bestselling author. Financial recovery/ afforability coach. Find your money type: https://tinyurl.com/2eye8dmm

Gas money quietly decides who you see. You stop driving to your friend. You call it being busy. Energy is up 15.7 percent this past year. Your world got smaller, not by choice. I lost my home to foreclosure, then bankruptcy. Call 211 and ask about LIHEAP. It helps pay your energy bill.

The grocery line has a sound to it. It is you doing math before the register. Inflation cooled to 3.5 percent. Food is still up 3.0 percent. Cooling is not cheaper. I lost my home to foreclosure, then bankruptcy, years before I worked in finance. Today, tell one person what your cart costs now.

If you'd like to help fire victims in Wa and OR: Here is a place to donate: American Red Cross Cascades Region – Provides emergency shelter, meals, supplies, and financial assistance to wildfire survivors. It’s one of the primary organizations activated during major fires.

Gas is back around $4 a gallon. One tracker puts the war's added cost at about $501 per household so far, on its way to roughly $620 by the end of summer. That isn't a headline. That's your grocery budget, moved.

Financial stress doesn't just drain your account. It rewires your brain. Money fear puts your nervous system in emergency mode. Can't think. Can't plan. Can't sleep. That's not weakness. That's biology. One move: write down what scares you most. Fear loses power when it has a shape

93% of workers just said their pay hasn’t kept up with the cost of living. Not 40%. Ninety-three. When nearly everyone is “failing” at the same time, it stops being a personal failing. It’s the design working as intended.

66% of Americans now say groceries are unaffordable — up from 45% in February. In a few months. Food prices are up roughly 33% since early 2021. Your cart didn’t get more extravagant. It got more expensive. This week I’m sharing what actually helps.

If you check your bank balance before you check your texts, this one's for you. You're not bad with money. You were handed a harder math problem than your parents were — wages flat, everything else up. That's not a character flaw. It's a starting point. All week I'm sharing real fixes.

Gas costs more, and it hides everywhere else too: groceries, delivery, anything shipped. Energy is up 15.7% in a year. I went broke before I ever worked in finance. I know the pump-line math that steals your breath. Not your fault. One step: pick one trip this week and combine your errands into it.

Credit card and car loan rates are still brutal. Every balance you carry costs more than a year ago. I filed bankruptcy with $11 in checking, before I worked in finance. Debt was never proof I was careless. Not your fault. One step: pick your highest-rate balance and call to ask for a lower rate.