Carrie Rattle

Carrie is a Principal at Behavioral Cents with 20+ years executive level in banking, securities, credit cards. She hopes to help women succeed where most of the industry has failed - in changing actual money habits.
Find me on:

Recent Posts


Posted by Carrie Rattle on Nov 25, 2019 5:15:00 PM

I was reading a catalog yesterday to find a window blind. One summary describing a certain blind and curtains read this way: “This window was desperately needing some color and attention”.  DESPERATELY - as in urgent, and life-threatening.  It is fair to say that a window undressed will never be a desperate situation, and yet the description can trigger an immediate need in some of us to have windows as beautiful as those in the catalog, or feel terribly inadequate if we don’t. Beware of the following phrases that trigger many of us and how to fight them:

Read More

Topics: Retailer Psychology

Saving: 3 Reasons It Won’t Be Deprivation

Posted by Carrie Rattle on Sep 12, 2019 10:06:39 AM

Many of us think saving means deprivation, so we balk or rebel. For most of you, I can guarantee it won’t be deprivation. How can I be so sure you ask? It’s because of these 3 reasons:

Read More

Topics: financial wellness

Our Country’s Freedom. Our Financial Freedom. Is the Fight Worth It?

Posted by Carrie Rattle on Jul 3, 2019 3:08:43 PM

We’ve shed a lot of blood to be a free nation. It took vision, conflict, faith that there could be a better way, and guts.  Was it worth it to become 13 independent colonies years ago? I think all Americans would say absolutely.  Was it worth it to become 3 colonies known as Canada years ago on July 1? I think all Canadians would say absolutely too. And today, we still challenge each other everyday with different ideas, religions, legal interpretations, morals.  We are a work in progress.

Read More

Topics: financial wellness, financial freedom

Have You Had....THE MONEY TALK?

Posted by Carrie Rattle on May 27, 2019 9:23:00 AM

You know, where you sit down with your other half and bare all, or tell them that their money habits are driving you CRAZY?  Maybe one of you is a Saver, and the other a Spender.  The Saver thinks the Spender is out of control, while the Spender thinks the Saver is a tightwad. You sort of skirt the money talk to avoid confrontation and keep peace in the marriage. There's only one problem. You touch money just about every day. If issues don't get resolved they fester, and erode trust or patience. There is a better way!

Read More

Topics: Money Talk, marriage, financial wellness, couples and money,, couples money therapy

Why Pay Equity Isn’t Enough for Women’s Equality

Posted by Carrie Rattle on Apr 19, 2019 10:15:00 AM

I hope to see pay equity in my lifetime, for all the women who continue the hard fight for it. It took 30 years for all the working women of my generation to move the pay equity needle from 69 cents to 81 cents. THIRTY YEARS, of working long hours, being perfectly prepared for every meeting, receiving promotions every 1 ½ years, and yes, even negotiating raises and bonuses.  THIRTY YEARS for all the women who raised children and worked full time, running out at 5 pm facing scorn from their male counterparts, then working 2 hours after they cooked dinner and put the kids to bed.  But Pay Equity still won’t achieve equality, and here’s why.

Read More

Topics: savings, money selfcare, divorce and finances, womenandmoney, pay equity, money coach, women and wealth, women's equality, financial therapist, financial wellness

Are You in the Right Tribe? 3 Key Indicators

Posted by Carrie Rattle on Mar 7, 2019 10:00:00 AM

“Tribe” is a new word, and a very old word. It’s used a lot in the women’s networking world – “finding your tribe”. This blog came to me after finding my own networking tribe after a 2-year search. I’m also reminded of how I am surrounded by my true tribe in life, which keeps me happy and grounded. Here are three indicators to help you identify if you’re in the right tribe for you, and what it means to your spending.

Read More

Topics: Money Management, Money Habits, Money Talk, money selfcare

Learn to Face Money in a Gentle Way - Don't Miss This!

Posted by Carrie Rattle on Mar 1, 2019 10:15:00 AM

Do you literally vibrate inside with panic when the topic of money comes up? Is your money anxiety due to under confidence or frightening conversations you heard as child? You know money self-care is as important as taking care of your health, your children, your career, but you just can't face it? We completely understand. This seminar has been created especially for you.

Read More

Topics: fear of money, money selfcare, womenandmoney

4 Things to Honestly Talk About Before You Buy a Home Together

Posted by Carrie Rattle on Feb 12, 2019 8:10:00 AM

“No surprises” is the mantra I highly recommend for any two people wanting to buy a home together. It may be your next home after outgrowing the one you’re in. It might be your first home now that you’re newly married. Maybe you’re just trying out this couple thing and are willing to share an asset. Regardless, when it comes to getting a mortgage, here are 4 things that even married couples are sometimes surprised about – when it’s almost too late.

Read More

Topics: savings, money selfcare, reduce debt, divorce and finances, marriage, home buying, real estate

The Raw Effect Of Money Secrets On Love & Marriage

Posted by Carrie Rattle on Feb 8, 2019 11:00:00 AM

Many couples don’t want to talk about money. The reasons run from “It will ruin the romance” to “I don’t want to rock the boat”. Love and marriage are perceived as pure, hopeful, and precious – and money is often considered dirty, callous, or controversial. Here is why this thinking is completely wrong, and how your love is already in trouble if you think this way.

Read More

Topics: money selfcare, reduce debt, marriage

Are You Tying the Knot for the Second (or third) Time?

Posted by Carrie Rattle on Dec 19, 2018 5:19:35 PM

“I wish I discussed finances before I got married last time.” Sound familiar?

Did you know past statistics have shown that in the U.S. approximately 50% percent of first marriages, 67% of second, and 73% of third marriages end in divorce?* Not surprisingly, a major cause of divorce in marriages is money. *

 You’ve found that special someone (again) but, you’re still trying to figure out how you talk about the “M” word without ruining the romance. You know it's smart to work together, but where do you start? Building a solid foundation of communication and partnership around managing your money is crucial to lifelong intimacy, trust, and success in a marriage. 

Read More

Topics: personal finance, money anxiety, divorce and finances, marriage

Subscribe to Email Updates

Join Our Self-Change Email Program

Recent Posts