Money Mindset and Personal Finance for First Gen Latinas: Ching@ Tu Money®

#33: For years, I held onto my JCPenney credit card because I was afraid of what would happen to my credit score if I closed this account. After lots of reflecting, I decided that I was too abundant to hold onto this card (that I only used when they threatened to close due to inactivity) solely because of fear. Entonces que paso? Pues amiga, you'll have to tune in to find out. See you in the show!...

#30: If you just kept going - you'd WIN. No comparing yourself to Fulano y Mengano. No 'shouldn't I have X, Y, Z by now'? Just FULL BODY FAITH that you are that GIRL. That gets things done, that executes. In this episode, I talk about what I learned by running my very first half-marathon with minimal training. Trusting Yourself Staying in Your Lane Focusing on the Long Term Comfort with Discomfort...

#29: The top expenses in yo life are: 1. your mortgage/rent payment 2. the food you eat (including fast food) 3. YOUR CAR PAYMENT I made an impulse decision to buy a NEW car (literally I drove it off the lot with 8 miles on it) and that decision rippled into me tripling my loan size and me still paying off that car 6 years later. Tune in to hear how in the heck this happened and would I would do d...

#28: Do you care about the planet and about where your money goes? Well friend, I've got JUST the episode for you. In this episode, I outline 7 eco-friendly gift ideas that are thoughtful, are kind to mother nature , and that will have you feeling proud of your purchasing decisions at the end of the holiday season. Plus I outline some eco-friendly tips like: Stop being a people pleaser when gift g...

#27: Black Friday hunger games is upon us. Are you ready, amiga? My 3 step process to shopping SMART this Black Friday: Acknowledge: acknowledge that you're about to be INUNDATED with sales you may not need. Pause, and consider if you really need the thing OR if you're experiencing darn good marketing. Plan: Make a list of items/experiences you need and value and a general budget for it. This'll h...

#26: In this episode, I share my journey with food stamps as a child and again as an adult. I also talk about how some people are worried about the WRONG things! With wealth inequaity at an all time high, we need to shift our focus to the rich NOT on what people have in their grocery carts. The filthy rich? Yeah, they have ISSUES. But, can we replicate the wealth building strategies of some to rec...

#25: After paying thousands in credit card interest, I vowed to never pay CC interest again if I could help it. So, I became a busgirl to upgrade my old iPhone 6 because amiga, I did NOT have the 1k cash to buy it. Tune in to listen to the second weekly episode of the 'Q4 Lock-in Challenge'. And let me know what I should talk about next on Instagram @moneyformujeres or e-mail mariel@moneyformujere...

#24: Sometimes, we just don't have enough money. This episode is a BTS into the day to day money decisions we often face. Balancing enjoying life with saving for the future can be difficult, especially when you dream of bigger, better, and brighter. In this episode I share about all the fun things I want to do, pero pues no me alcansa bc la verdad. See you in the show! ⭐️RESOURCES⭐️ 💸 Work 1:1...

#23: You can afford anything, but not everything -Afford Anything podcast Throughout my 20s, I stayed at my low paying jobs because I wanted the flexibility they gave me. But, my refusal to get a 'big girl job' kept me broke. Worse, it kept me from see the bigger issue: I didn't think I could earn more money. If you've ever wondered, 'Why haven't I made more money in my career?', this episode is f...

#22: Are you actually underpaid or do you just not believe that you can make more money?💸 As someone who grew up watching my parents work 2 jobs to make ends meet, I grew up thinking I had to do the same. These unchecked beliefs kept me broke for far too long. Additionally, the fact that I was already breaking cycles - like being the first to graduate college, being the first to fly international...

#21: What does it mean to 'fail' at something? And is 'failing' even a bad thing? Tune into this unscripted, unedited podcast episode to hear: How the '10k in 20 days challenge' came to be How it went What happens next GOAL UPDATE: $5,500/$10,000 REACHED. Learning and being inspired through stories is my favorite, so I hope my experiences moves you to do something BOLD. See you in the episode! Mar...

#20: Have you ever been made to feel like you couldn't do something? But low key, you knew that you absolutely could? In this episode, I share with you how the tech bros at my old corporate job are the reason why I built Money for Mujeres. Episode Highlights: I thought I couldn't do it so I said 'not for me' and gave up on it for 5 years Later I found out I COULD do it, and that it wasn't 'too com...

#19: Does taking the scenic route make us losers? No friend, it makes us present, joyful, and human. In this episode I share the reasons I'm going back to teaching after taking a year off to focus on my business. I considered 3 things: Financial stability Where I am relative to my long term goals + how I FEEL about where I am on the journey My partner and our well being as a couple This episode is...

#17: How do I save money if I have variable income? How do I know if I'm saving enough money to cover my personal expenses? This episode is for the person who has variable income and wants to plan ahead for the 'slow' months or no income months. Save money for slow months in 3 steps: Step 1: Calculate your bare bones budget Step 2: Open a High Yield Savings Account with a bank that is 'FDIC' insur...

#16: Do you and your partner split expenses in an 'equitable' way? Meaning, does the higher income earner pay more? In this episode, my partner of 2 years and I share how we manage money as a couple including, who pays for what, do we have joint bank accounts, does one pay more for 'fun' stuff and what happens when we have different POVs on spending? We talk about the shame that can come up when 1...

#15: Ever wonder why despite REALLY wanting to, and despite making a plan, and telling yourself over and over you'll do something, you just can't seem to make it happen? This episode is for the person who is done shaming themselves about it and who is READY to get to the root of why making a change is so hard. More specifically, it's for the person who is ready to take the action required to make...

#14: Business isn't ever what it seems💸 Social Media shows us the highlights - but what's REALLY going on behind the scenes? In this episode, I'm sharing with you my FOR REAL 2024 numbers. It's true friend, I spent way more than I made. I also share with you some BTS of the mindset work required to build something from the ground up. That scarcity mindset ya'll. It's a sneaky thing. I share with...

#13: What does financial abuse in families look like?💸 Can my own sibling inflict financial abuse on me? What about a cousin? A distant relative? The answer is absolutely. In this episode, I went to Reddit to share some real life examples of financial abuse in families. Financial abuse is a spectrum, it can be something small or something that takes 100% of control from an individual. Then, Justi...

#12: What does financial abuse in friendships even look like?💸 And why is it so hard to talk about money with friends? In this episode: I list some friend money red flags to look out for like being the ‘go to’ friend for money related things OR being pressured to spend more than you want to. Then, Justine De Peralta, Author of ‘Girl, Jump: Building a Financial Safety Net to Leave an Abusive Relat...

#11: Listen. Sometimes we just can't afford that thing that our friend/family wants us to do. And other times - we just don't want to spend our hard earned money there. How do we communicate our needs lovingly? And without pissing our loved ones off? Justine De Peralta, Certified Financial Education Instructor, Domestic Violence Counselor, and Author of ‘Girl, Jump: Building a Financial Safety Net...

#10: Financial Abuse can be hard to identify and is present in nearly 99% of total domestic violence cases . What financial red flags do I look for in romantic relationships? How do I know if I am experiencing financial abuse? Today Justine De Peralta, Author of ‘Girl, Jump: Building a Financial Safety Net to Leave an Abusive Relationship and Reclaim Your Freedom’ and I chat about some financial r...

#9: With the ability to buy just a few dollars of an investment at a time, the ONLY thing holding you back from investing is fear. Y amiga, who benefits from your fear? Investing for retirement can be simple. And I’m here to help you.  Because of our friend inflation, there is no way to ‘save for retirement’ without buying investments in a retirement account. Your money needs TIME to grow in...

#8: Most of us want to level up our money mindset and better understand our money traumas. Yet, oftentimes, we don't know where to start. Jasmine Lopez, a joy-based money coach and founder of financial wellness brand, Mentally Mutually, shares how to take the first step in understanding our money mindset. "Oftentimes a lot of the trauma in our lived experience is held in our body" she said. "An in...

#6 Worried about overspending this holiday season? Feeling stressed about not giving as many gifts as you'd like? If so, then this is the episode for you. In this episode we learn which 5 things will help you not go broke this holiday season. We also talk about slowly pivoting away from consumerism and taking baby steps towards value-based giving. There is an art to meaningful giving. I have been...

#5: Are you living in the past, amiga? Today's episode highlights the importance of reflecting on the money habits and lessons we observed as kids. Are those lessons holding us back? And if so, what can we do to break free? We also discuss how the people around us - whether explicitly or subconsciously influence how we see the world - and therefore what we think is possible. Finally, we talk about...