The AFISA Elements Newsletter by Adele Frost, M.Ed.
https://www.AdeleFrost.com
Hello there, AFISA Elementors!
September is Financial Month
As the seasons shift, September is the perfect time to refresh your financial strategy. Now I'm going to admit that I am ACTIVELY working on many of these tips below. Am I a financial advisor? No. Is this wishful thinking? Nope. I did the math on what my wants, my needs and my desire. Everyday, I am taking action toward my personal and professional financial goals. How about you? What decisions can you make this month?
✨ Take September as your launchpad into stronger financial health. By stacking these small wins, you’ll set yourself up for bigger gains before the end of 2025
Whether you’re saving for a big goal, building a business, or strengthening your personal wealth, these 10 tips will help you move forward.
💰Ten Tips to Increase Financial Gain in September 2025
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Automate Your Savings – Set up automatic transfers to your savings or investment accounts every payday.
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Review Subscriptions – Cancel unused streaming, app, or membership services.
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Meal Plan – Reduce food waste and overspending by planning meals for the week.
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Refinance Debt – Check interest rates; consolidating or refinancing could save money instantly.
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Increase Income Streams – Explore freelance, consulting, or digital products.
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Negotiate Bills – Call providers (internet, phone, insurance) and request lower rates.
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Invest in Education – Take a short course that adds career or business skills.
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Sell Unused Items – Turn clutter into cash with a yard sale or online resale apps.
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Maximize Employer Benefits – Review retirement contributions, HSA/FSA options, and match opportunities.
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Track Daily Spending – A week of mindful tracking reveals hidden leaks in your budget.
📅 The September Challenge
“No-Spend Week”
Choose one week this month where you only spend on true essentials (rent, bills, groceries). Track your savings and notice your spending habits. Many find they save $100–$300 in just 7 days.
🧾 3 Pieces of Sound Fiscal Advice
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Pay Yourself First – Treat savings and investing as a monthly bill you must pay.
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Avoid Lifestyle Creep – If your income rises, resist inflating expenses; redirect extra funds to savings.
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Think Long-Term – Don’t chase quick wins—compound growth is built through consistent small steps.
EVENTS
Join me on September 18th at 3:00pm EST to discuss the bridge from pain to personal development = the AFISA Elements Personal Health Plan Tool.
In this webinar, I'll discuss the research and strategies of well-being that I discovered on my path of personal development. I'll introduce you to the Personal Health Plan tool and show you how through my program you can overcome your pain, be productive and happy again. Register for the event here: https://www.adelefrost.com/signup-0a98acd4-2409-49e5-b5b0-6915101a6927
Join me on September 4th at 3:00pm EST at my Fun & Quick workshop, The Identity Card Game!
The Quick & Fun Identity Card Game for Life Vision is a tool that helps you create an identity card for yourself and/or gain further clarity in the things that are most important to you!
This game will
* clarify your Life Vision goals
* help you identify the character / role of who you are
* help you identify the character / role of who you want to be
* confirm your Life Vision course
* serve as an Identity Card for daily inspiration and motivation
* help you realign your goals for this upcoming quarter
Here's the page to register: https://www.adelefrost.com/identity-card-game
Here's the Amazon link to my Identity Card Game chapter in the book, The Life Coach's Tool Kit Volumne 3, created by Erik Seversen with 27 World-Class Experts!
SCHEDULING FOR SUCCESS!
Join me on Saturday mornings at 8:00am EST or Sunday Evenings at 7:00pm EST to Schedule Your Week for Success. Check out the weekly Zoom links under the Events section on my Facebook Page: https://www.facebook.com/AdeleFrostLifeCoach/
PRODUCTS
My students/elementors use these sheets and planners for MAXIMUM clarity and daily focus of weekly strategies to obtain goals in their Life Vision. It's available for purchase on my storefront link on Etsy: https://www.adelefrostllc.etsy.com
Here's the direct link to the listing: https://adelefrostllc.etsy.com/listing/1686591668/digital-afisa-elements-scheduling-for
EXTRAORDINARY LIFE VISION DAILY PLANNER
Use the AFISA Elements process of organizing your annual goals through the AFISA Elements Scheduling for Success Worksheets and the Extraordinary Bundle of the Life Vision Daily Planners July-September 2025!
Here's the digital planner link on Etsy:
https://adelefrostllc.etsy.com/listing/1878020174/digital-july-august-september-2025
PROMOTIONS
Anyone who signs up for their first session of Life Coaching with me will receive the Scheduling for Success Packet for FREE, as well as, the Extraordinary Life Vision Daily Planner for that month or the next for FREE! Book your 1st Life Coaching Session Now! Here's the link: https://www.adelefrost.com/offers/gorFeTSv/checkout
📚 Recommended Books
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Your Money or Your Life by Vicki Robin – A classic guide to transforming your relationship with money.
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The Psychology of Money by Morgan Housel – Insights into how behavior, not just math, drives financial success.
🌐 Website Resources
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NerdWallet – Tools for credit, loans, and financial decisions.
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Investopedia – Clear financial education and investing guides.
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Mr. Money Mustache – Smart and practical tips for frugality and financial independence.
IN CONCLUSION
By acting on any of these resources, you're one step heading in a more financially sound direction! Reach out to me via email for more discovery on any of these events, topics or lifecoaching! [email protected]. Email me for suggestions!
Your Life Coach Extraordinaire,
Adele Frost, M.Ed.
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