Mommy Money Matters

As most know, September is Life Insurance Awareness Month and I take this very serious for many reasons. As you listen in you’ll understand why. I know that talking about death or dying is a conversation most families don’t want to have in the home. It’s almost taboo. The reality is death is certain. We simply don’t know when our time will come. What most families fail to put in place is a plan, n...

We have entered the recession period that everyone was concerned about. So, how will you be taking action in your financial house? Are you ready for what can potentially happen or how it can impact your family? There were quite a few tips I shared in the last episode. If you didn’t get a chance to listen to it, I recommend you go back and listen. In this episode we will focus on one of those tips...

The recession news has a lot of people wondering how it will affect or impact their homes. First and foremost, we address what is a recession and what does it mean overall. This episode will go over four key factors to help you out. As a money coach I know that throughout the years I continue to talk to my clients about the different things they should be doing with their money regardless of wheth...

Have you been considering putting money away for college for your children? Are you confused as to which type of investment plan is better suited for your child and their needs in the future? I know that feeling all too well. This was the exact feeling I had back in the mid 90s with my kiddos. I did back then the best I could which was to open up a savings account for them. Keep in mind that back...

There’s a lot of uncertainty when it comes to the economy right now. We all understand inflation and we hear a possible recession coming. So how can we prepare for the unknown? There are a few money hacks that I have incorporated in my financial house to help outpace inflation. It’s as simple as making small changes that can help you save money without you even noticing. These hacks can also help...

Social media can be a rather interesting place. Don’t you agree? The past few weeks I’ve posted a couple of reels on different topics when it comes to financial services. One of them involved securing your financial future and the other one had to do with protecting your life for your family. Apparently these topics hit home for a couple of individuals. That’s exactly what my posts are meant to do...

This episode is mainly focused on helping you build a solid and strong financial foundation. The main area will be on your financial house: the good, the bad and the ugly. There are four areas we cover: Debt, Emergency Funds, Retirement, Proper Protection/LTC/Disability. As you all know the pandemic took a toll on a lot of families who were not prepared financially for what was to come. The govern...

Are you want to make decisions based on emotions and not think it through? This takes me back to my mid-20s when I was working for a call center and I was encountering challenges. My boss would always tell me, “remember think with your head and not with your heart.” I always wondered why but now I know. If you are driven by emotion you might not be making the best decisions and that’s where your h...

This episode covers the trials and tribulations millennials are facing when it comes to becoming independent in today’s economy. As parents we want our young adults to thrive on their own and be able to lead the lifestyle they choose to. Unfortunately, here in the state of California the struggle is real. Inflation has not been of much help and minimum wage isn’t enough to live on your own. So wha...

April is here and Spring has sprung! As you already know around this time most homes get a spring cleaning. So why not do the same with our financial house? This is the perfect time to review the last three months (1st quarter) of the year. Remember those new year money resolutions? How are they measuring up? Part of having resolutions is also inspecting what you expect and being accountable to yo...

Good day everyone! I’ve been thinking about all of the episodes I’ve recorded thus far and it dawned on me that I’ve been giving you value and recommendations on WHAT to do when it comes to your finances. What I haven’t talked about is the HOW to, which is extremely important! Although the majority of you would like to take action on my recommendations not many can. Why? Because if you fall under...

Do you like listening to stories? Well, you’re in the right place. In previous episodes we’ve touched on debt here and there. But this time I wanted to do things differently. I work mainly with mommas and their finances. I am enjoying watching them reach their financial resolutions. It’s amazing to see how dedicated and focused they are. This is not the case for all of my clients though unfortunat...

This episode is all about making money moves that are in alignment with your financial resolutions for 2022. If you remember or actually just go back and listen to the last episode. The focus being the new year and all, was financial resolutions and taking action. This episode is all about the different types of action steps you should consider when it comes to money if the objective is money grow...

We all make decisions for the new year don’t we? But what tends to happen 3 months down the road? Let me answer that, we tend to forget about it or simply give up on them. I talk about resolutions and goals, but what’s the difference? Let me tell you. A resolution is a firm decision and a goal is an aim or desired result. I like to use resolution because I don’t just want to aim hoping to hit it....

Holiday shopping can be exciting or dreadful depending on who you ask. Listen in as I go over a few tips on how to make this year more about "it's the thought that counts" and truly attaching sentimental value to your gifts. Your loved ones will be delighted! Personally, I apply all those tips and then some every year. It makes shopping a whole lot more effective and easier. So, if you're on the s...

Since I constantly get asked about the difference between a financial advisor and a financial professional is, I figured I'd give you the main points. In this episode I'll share with you what a financial professional can and can't do but also what a financial advisor sometimes is completely unaware of when it comes to products and services, as far as, what they can offer their clients. Which tends...

When I started this journey in financial services never did I imagine the impact it would have on me and my family. I knew then that Financial Literacy was extremely important but was besides myself as to why we weren't being taught this in school. I clearly remember my 26 year old starting college and opening a bank account. I was pretty shocked to find out how quickly he was approved for a credi...

This episode is about position yourself with financial peace of mind in your future! This message is for everyone! I see financial struggles in my clients too often. I want that to change moving forward. How you ask? Well, I'll discuss what are key action steps to take so that individuals are in better financial positions as they reach retirement age. My goal is to educate in this area so that upo...

In this episode I'll go over different scenarios of what happens when we don't put things in place. As well as what not to do with your life insurance once it is in force. The year 2020 took a toll on all of us and because of so many losses there was fear in families across the country. Rightfully so, people were getting hit by Covid-19 left and right. It was extremely scary for the elderly but we...

Are you feeling stuck when it comes to your credit and credit score? Wondering why you're being turned down? Not enough credit? No credit? How can you go about fixing the problem? In this episode I give you certain areas to focus on and recommend a book with additional information. It's a very short read but there are tons of nuggets! I applied this myself and boy did it make a huge difference in...

Recently I have been talking to quite a few potential clients and the number one comment they make is, "I really want to buy my own home but I just can seem to figure out how to save for it? I watch my spending and can't figure out where the hole is." What I recommend is their personal financial needs analysis to help us find out what is going on in their financial house. Once we have a clear unde...

I have come to realize how important money really is in every day living. Without money there's not much we can do! Very often I hear people say money isn't everything but that's because they don't have any! In all honesty, money is everything! It helps pay for a roof over your head, put food on the table, clothed you and your family. Without it, you can't take care of your basic needs!! Let's not...

Did you know that the average credit card balance in the United States is more than $6,000? Us, as consumers tend to buy things we don't need with money we don't have! To be honest the lack of financial education should be a national emergency! We are creating a society doomed to fail when it comes to money management. I pledge to make a difference in middle income communities. How do we start? In...

I don't know about you, but I sure hadn't set any money rules for most of my adult life. But man do I wish I had. It's never too late which is why I'm sharing these with you. If you want to avoid holes in your financial house then follow along. If this is hitting you precisely when you're needing outside help to repair and patch those holes, call it divine intervention. Regardless, of why you deci...

There are 3 main enemies to your money! Do you know what those are? Take a wild guess! Here we go! From least (#3) to high (#1) in the level of importance. 1-Procrastination 2-Taxes 3-Inflation. Lets focus on #3, inflation. Inflation simply means that the price of something will always rise over time. In this episode I talk about the significance of inflation through cost of living from the 1970's...