Baddie on a Budget

Send us Fan Mail I wish I had gotten a credit card.  Do not make my mistake! Get a credit card that offers points, airline mileage, or cash back.  I opened a credit card after years of procrastinating. I did not have a stable job, and felt the need to wait for the perfect time. Sign up. Do your research and determine your credit card needs.  Thank you so much for listening, Ouch, that hurts! Podca...

Send us Fan Mail I love the book “ 101 essays that will change the way you think” . by Brianna Wiest In this episode, I discuss my favorite quotes from the book!  This book has helped me become more grateful and appreciative for everything I have.  Join me!  Thanks for listening to Ouch, that hurts! Podcast  Please leave me a review  Follow me on Tiktok @ouchthathurtspodcast and Pinterest @ouchtha...

Send us Fan Mail You need to try these hobbies. Have fun with life. Not everything should be school or work.  These are some of the things that I encourage you to try.  Reading  Podcasting Create TikTok videos Blogging  Jewelry Do nails   Do makeup  Thank you so much for listening, Ouch, that hurts! Podcast  -Yolany  --- Support this podcast: https://podcasters.spotify.com/pod/show/yolany7/support

Send us Fan Mail Many financial experts encourage their viewers to House Hack.  Here at Ouch, that hurts!, I let you know some setbacks.  No privacy Family conflict Tenants disregarding your personal properties Tenants not cleaning after themselves Thank you so much!!!! For listening to Ouch, that hurts! Podcast Please leave me a review -Yolany B.  --- Support this podcast: https://podcasters.spot...

Send us Fan Mail This podcast episode tells you the good habits you should have for 2023.  Allocate your money once it goes to your account Wash your plate once you are done eating Wash dishes as your food is cooking Scrub your bath tub as you are making your hair mask to soak the products  And so much more! Thank you so much for listening to Ouch, that hurts! Podcast Please leave me a review!  -Y...

Send us Fan Mail This is a book review from 'the intelligent investor'  Keep 20% of your investments into bonds. Know the differences between common and preferred stocks Common stocks-Greater returns, but higher risk, Capital gains Preferred Stocks-Less returns, Low risk, Dividend gains Rebalance your portfolio every 6 months. Every Christmas and 4th of July.  Some companies rebalance yo...

Send us Fan Mail Here at Ouch, that hurts!, I like to talk about successful people.  In today's episode, we talk the success of Kendra Scott, the founder of Kendra Scott Jewelry.  She went through a divorce, a failed hat business, and a recession.  Let me know whose story you want to hear! Also, please leave me a review!  -Yolany B.  --- Support this podcast: https://podcasters.spotify.com/po...

Send us Fan Mail Coaches are great to motivate, inspire, and create great students. Unfortunately, there are many people who are getting money, without making great mentorship programs. Here at ouch, that hurts! I love to help others to avoid scammers like fake coaches.   Do not fall for this coach.  - loud and noisy coach - story teller (sad and depression)  - "Self-made"  - Did it in l...

Send us Fan Mail On last's week episode, I speak about the steps you have to take before you purchase a house. Today, I will explain to you more about the steps during the home buying process.  Negotiate terms such as earnest money, option period, home warrant, major repairs, etc.  Let me know what else you want to learn about the home buying process.  Write me a review -Yolany B. --- Support...

Send us Fan Mail Do you like Rich Dad, Poor Dad?  This is an analysis of the book Rich Dad Poor dad.  Some of its readers claim that this books has changed their lives completely.  There are some ideas from his books that I do not agree and these are the following: — Undermines diversification — Prefers Real estate over stocks — Dismisses systemic issues that prevent people from acquiring immense...

Send us Fan Mail Getting a house require many steps, and here at Ouch, that hurts! I explain to you what you need to have before you actually start looking for that dream house!  Fix your credit score  Have your tax returns in order. Get a pre-approval letter from lender or bank Hire an amazing real estate agent Thank you so much for listen to this podcast. Please write me a review! -Yolany B. ---...

Send us Fan Mail The book “The intelligent investor” is the book that Warren Buffett recommends investors to learn from.  These are some of the lessons that I learned:  -Be adequate, not extraordinary -Buy TIPS and REITs  -Buy Bonds not just stocks Thank you so much for listening to Ouch, that hurts! Podcast Also, leave me a review -Yolany B. --- Support this podcast: https://podcasters.spotify.co...

Send us Fan Mail Here at Ouch, that hurts! Podcast, we like to hear successful stories!  This is the story of the founder of Spanx, Sara Blakely. She teaches us the possibility of building a business from the ground-up.  She started as a chipmunk at Disney, then sold fax machines door to door, and later founded Spanx!  Listen to this story and get inspired.  Please write me a review!  And let me k...

Send us Fan Mail College is stressful  I graduated in 2021,  and I vividly remember the struggles, the tears, the anxiety.  In today's episode, I tell you to stop worrying about the things that do not matter.  Summary:  You probably won't use the major you chose.  Take time to rest.  Do not pull an all-nighter GPA does not matter much.  It does not matter what college you went to Thank y...

Send us Fan Mail This is part 2 of the book review, from the book, “The defining decade” by Meg Jay See what you need to look in a relationship.  Does living together a determinant of a long-term relationship? What are really weak ties?  What is confidence?  Please leave me a review! Thank you so much. See you next week!  -Yolany --- Support this podcast: https://podcasters.spotify.com/pod/show/yo...

Send us Fan Mail Emily in Paris is an incredible show. It has taught me so many lessons and in today's podcast episode, I tell you the top lessons I learned from the show! Listen to Ouch, that hurts!  Also, do not forget to leave me a review! -Yolany B. --- Support this podcast: https://podcasters.spotify.com/pod/show/yolany7/support

Send us Fan Mail Want to achieve that glowing skin? Here at Ouch, that hurts! I discuss the easy way to have the perfect skin care routine. The book, The little book of skincare, written by Charlotte Cho, gives a full STEP-BY-STEP way on how to start your skincare routine. Learn more about serums, oil and water cleansers, moisturizes, toners, and other creams. Please give feedback and write me a r...

Send us Fan Mail 2023 is almost here!  Learn ways you can achieve your goals, dreams, aspirations, etc.  Buy a planner, that has monthly, weekly, daily calendar Create a realistic vision board based on the life that you are living Get your equipment ready! Read the best self-help books, e.g.,  Louise Hay, How to Heal your life. E.g. Jen Sincero, You are a badass. 2023 is our year baby,  Leave a re...

Send us Fan Mail Your 20s are incredible years, it is when you are young, and therefore is a determinant for laying the foundation for the rest of your life!  The book that I am reviewing is “The defining decade” by Meg Jay PHD.  Start building Identity capital and surround yourself with smart, driven, motivated people to be successful!  Please write me a review!  -Yolany  --- Support this podcast...

Send us Fan Mail Christmas is around the corner, and on this bonus episode, I recommend great gifts for the girls in your family.  Let me know! If you like any of these ideas.  -Yolany B. Also, leave me a review! --- Support this podcast: https://podcasters.spotify.com/pod/show/yolany7/support

Send us Fan Mail This is a book review from I will teach you how to be rich. I recorded this on 2021, and I managed to edit it. I noticed that I improved the way I speak on a microphone.  This incredible books will teach you about Target date funds, Roth IRA , negotiation with companies, such as phone, electricity, credit card, and much more. By far the most practical book about personal finance!...

Send us Fan Mail I read the book, The seven husbands of Evelyn Hugo, In this episode, I review key takeaways from the book. From confidence to self-awareness, Evelyn and Monique display their struggles and discover ways to navigate life! Thank you so much for listening to, Ouch, that hurts! Please write me a review. See you next week!-Yolany--- Support this podcast: https://podcasters.spotify.com/...

Send us Fan Mail We spend what it seems a life-time in schools. Unfortunately, productive lessons are never incorporated.  These are some of the things I wish schools taught us! Thank you for listening to today's episode.  Please write me a review! -Yolany B.  --- Support this podcast: https://podcasters.spotify.com/pod/show/yolany7/support

Send us Fan Mail My New year's resolution was to read plenty of books. In today's episode, I am discussing my favorite books and give a brief summary of them.  Favorite books:  Girls that invests I am glad my mom died Shoe dog The psychology of money --- Support this podcast: https://podcasters.spotify.com/pod/show/yolany7/support

Send us Fan Mail This is a book review on Girls that invests by Simran Kaur .  Learn how to be the best girl that invest. Understand why women have not been able to grow their wealth. Think how hard it was for our grandmothers to rely on their husbands financially. Now that we have the opportunities to own property, vote for better laws, and invest in the stock market, it has been very difficult t...