Elevate Your Pay Check

Get ready to understand the complex world of real estate, especially for first-time buyers, as we welcome Talia Thomas, a rising star among Toronto realtors. Promising to provide not just knowledge, but guidance and clarity, this episode is packed with practical advice for the aspirational homeowner. Talia gives her take on the current state of the GTA real estate market and offers a roadmap for t...

Imagine a world where your every financial decision is not a knee-jerk emotional reaction, but a calculated step towards a secure future. What if you could understand the psychological reasons behind your spending and saving habits? This episode of the Saving for Your First Home podcast peels back the layers of our financial behaviors, exploring how emotions, upbringing, social influence, and fina...

As my daughter embarks on a new chapter of her life, I find myself reflecting on the important lessons I want to share with her. Surprisingly, I've realized these nuggets of wisdom are not just applicable to life changes, but also to our financial journeys.  Join me,  as we explore how to leverage opportunities for growth and change that come with new beginnings, the value of setting realisti...

Summer is finally here, and it's time to make the most of it without breaking the bank! I'm sharing my top tips for creating a summer budget that allows for spontaneity without sacrificing your financial goals. From planning trips and activities to finding cost-effective ways to relax and unwind, I've got you covered.  Join me as I break down the process of creating a summer budget...

What if you could develop a disciplined money mindset that allows you to break free from financial instability and create generational wealth? Our guest, Cinzia, shares her inspiring journey of starting young. Cracking the code to financial independence, and buying her first home at just 29. Discover how her upbringing taught her the value of earning and saving money, and how she leveraged various...

Ready to plan your next getaway without sacrificing your savings? Discover how to budget and save without compromising your vacation experience! We'll guide you through flipping the script and starting with your budget before settling on a destination, as well as the essential line items to consider and some valuable resources to help you plan. Join us as we dive into smart effective ways to...

In today's episode, we tackle those crazy prices at the grocery stores. We discuss effective ways to stretch your dollar and maximize your savings.  The key tips covered include: Plan meals and create a shopping list to avoid impulsive purchases and reduce waste. Compare prices of similar products and consider store or generic brands. Purchasing non-perishable items in bulk, but be mindful of...

Today we dive into the challenges of making big financial decisions. We chat about how to  navigate through an overwhelming process by considering factors like financial stability, family obligations, goals, risk tolerance, and work-life balance. We also touch on how to recover from making the wrong decisions, (you know we have all been there) and strategies to avoid decision fatigue.  So, jump in...

In this episode of the "Saving for Your First Home" podcast, we discuss strategies to stay motivated when faced with challenges and lack of motivation. We review an article from the Harvard Business Review that offers strategies for self-motivation. Design enjoyable goals instead of seeing them as chores. Focus on the bigger picture by visually tracking your progress and celebrating mile...

Happy early Mother's Day!! In this episode we celebrate everything our Mother's (and Mother type figures) have contributed our lives.  They influence every aspect of our lives including our financial decisions. So, it is important to reflect on your where your money beliefs are formed including the good and the bad.  Then as we head into motherhood and become caregivers for our children...

I know, this may not apply to EVERYONE... But, for the fortunate ones that will be receiving a tax return this episode is for you! We discuss an easy way to prioritize your goals , and allocate your money so that it has the biggest impact. Links mentioned: For Mental Health Awareness Week (May 1-7th). Download the Money Journal . It walks you through 10 questions about how and why you spend money....

You've done the work, made some changes, and now what? How do you know if the work that you have put in is going to make an impact on your bottom line. In today's episode, we discuss two measuring tools that you can use at any point to determine your money status.  These are vital if your a considering purchasing a home, or determining if you are on target to reach any other financial go...

Mindful Spending was such a HOT topic we decided to extend it into another episode! Today we focus in on how to change your daily habits, and encourage mindful spending. In this episode we examine the practices that will lead us closer to our financial goals. Make sure to bring a notebook for this one. We reference several other podcast episodes that dive deeper into these important strategies. Fi...

This is a jam packed episode! With interest rates climbing, inflation rising and the overall cost of living increasing. Being mindful and spending with intention is essential to successful money management. In this episode we discuss 10 ways to keep you more aware, and ultimately put more money back in your pocket. Be sure to download our FREE money journal that walks you through 10 days, with pro...

As a money coach, I receive a lot of questions about managing money. So, I thought I would gather some of the most common questions and answer them here on the Podcast. I hope you find this episode informative and useful. Questions: 1.  How do you prepare for the unexpected things that come up? 2. How do I prioritize my money so that I can do the things that I want to do? 3.  How much should I bud...

Why is money such a HOT topic? It can have a real impact on our personal relationships. Today we undercover a few  reasons, and address how we can manage these situations.  Financial success needs to be shared with your partner in life. Therefore, we need to get to know more about their relationship with money, make some compromises, and have common goals.  Leave us a review if you are enjoying th...

When the housing market feels like a roller coaster ride. What is a first time buyer to do amongst the high interest rates, and high prices? One option is to look into purchasing a pre-construction home. In today's episode we are going to discuss the pros and cons of buying a pre-construction home, and talk a little about creative ways to get into your first home dispite the current barriers....

Happy International Woman's Day!  What a privilege we have in dedicating a day to all the women around the world that are the support system to their families, and the people that they love!  In this week's episode, we focus on how women are a "little" different then men when it comes to our finances.   Here are a few reasons why it hit's us a little different. Wage gap La...

Every wonder why you do the things that you do?  In this week's episode, we are going to exam the past to provide some clues as to what shapes our financial decisions. We will go through my "money story" and look at how my past experiences with spending, saving and borrowing had an impact on my current behaviour. I encourage you to complete this exercise with yourself. When we know...

This is a special episode in so many ways! We are celebrating of Black History with an interview with my own Mother! Listen to the drive and determination she had to pursue her dreams and forge the path for the next generation. If you are ready to make change to your financial situation, and missed out on the Savings Challenge. I have created a 7-step PDF guidebook that will walk you through  fund...

Does your money work for you? Or do you feel overwhelmed with it all? In today's episode, I am going to walk you through how to set up your banking so your money does the work and not you! It's important to understand the specific characteristics of a savings account, so we talk about the fundamentals, and differences between institutions. Then we walk through why you are going to need 7...

Starting a side hustle can seem overwhelming on first thought. Like who wants a second job? But, having a side hustle can be so much more than a job that brings in an income. It can be rewarding, fulfilling, and income generating. And don't we all want a little more in our pockets?  In today's episode we talk about 10 great reasons to start a side hustle.  Increase your financial securit...

Saving.. How Important is it? Having money saved is a resource that can help to: Avoid Debt Provide a better life for your family Pursue an interest Travel Protect you in case of an emergency and the list goes on... In this episode we discuss 7 reasons to save! Listen now and you will leave motivated to be a "change-maker" in your life! Be a part of the Savings Challenge! It begins on Fe...

In this episode, we are going to walk you through what interest is and how (more importantly) it impacts you.  We discuss: Simple Interest Compound Interest Variable Interest Fixed Interest and what the Annual Interest Rate (APR) is. Interest can cost us thousands of dollars, and is very sneaky. It is not advertised in lights or BOLD print. It is buried in the fine print because if you knew how mu...

Clifton Corbin is a financial expert and author of the book "Your Kids Their Money" and responsible for the revised version of "The Richest Man in Babylon" .  The interview was filled with such useful advice! We talked about his personal history with credit, and his own path to home ownership.  You learn first hand:  How to exercise discipline when it comes to credit card use....