Money Files: Money Mindset & Personal Finance

Regaining control of your finances isn't just about hitting your goals—it's also about who you're becoming throughout the journey as you build a new financial identity. In today's episode, I emphasize the value of non-budget victories. These achievements go beyond major financial milestones like paying off debt or growing your savings. Non-budget victories can include anything from...

Today, I'm thrilled to welcome back a familiar guest to the podcast—Lynae! We first worked together in 2020, and she's been crushing her financial goals ever since. This is Lynae's third appearance on the show, and I'm excited to have her back so you can gain insights to the full impact of financial coaching from a long-term perspective. In this episode, Lynae and I explore the las...

2025 is only four months away! Don’t wait to start planning for next year’s financial goals. In today’s episode, I share three ways to prepare for Q4. From budgeting for the holidays to planning for open enrollment and thinking about Fall activities, I encourage you to start planning ahead for Q4.  The end of the year can feel like one of the most expensive times of the year but taking 30 minutes...

What are you going to do with your next bonus? If your answer is to pay down debt, this episode is for you!  Today, I discuss why you shouldn’t use your bonus to pay off debt. Instead, use that extra income in a more meaningful way that will help you stop needing to utilize debt to cover unexpected (or YOLO) expenses.  Using your bonus to clear debt might give you temporary relief, but you need to...

In today's episode, my client, Krissy, joins the podcast. Our conversation recaps Krissy's journey working with me. Krissy shares why she decided to book a consultation with me and how working with a financial coach has changed the way she thinks about and manages her finances. She also shares the unique challenges of managing finances as a mom and how her new identity as a saver has shift...

Why was it easier to budget when you made less money?  When you were barely making enough to get by, you were really good at budget - but you also created an invisible scarcity mindset around your finances. Food, water, and shelter were the most important things to you. Once you start earning more, that feeling of scarcity doesn’t just go away. Everyone has deep-seated emotions about money, and fo...

I can guarantee you have money going out of your account right now that you don’t know about. As a financial coach, I want you to spend money intentionally. Regaining control of your finances starts with matching your expenses to your values and goals. This not only helps you manage your money better but also opens up opportunities to increase savings, pay down debt faster, and spend money drama f...

As a financial coach, my goal is to create sustainability in your financial journey. Sometimes that means doing things differently. Traditional financial advice says to save $1,000 and put everything else towards paying down debt. But paying off debt can be tiresome and demotivating.  In today’s episode, I offer a more sustainable practice for paying down debt: a debt spending break. A debt spendi...

In today’s episode, I welcome Dana to the podcast. Dana and her husband Dan became clients in 2022 while struggling to find the middle ground between conflicting money mindsets. They were busy with career shifts, preparing to buy a home, and figuring out life as a couple. Instead of letting money become a fight, they hired a coach.  Dana and Dan had the same financial goals but didn’t agree on the...

As a financial coach, I aim to help clients transform how they think and feel about money. Sustainable change starts with taking the next best step in your financial journey. In today’s episode, I discuss the importance of meeting yourself where you are with your finances. Your next best step is whatever will get you closer to a win. Every money move doesn’t have to be motivated by a huge financia...

We are halfway through 2024, and it’s time to reflect on the financial goals and intentions you set in January. Whether you are crushing your money goals or need a financial reset, getting crystal clear on your numbers is essential. It is never too late to regain control of your finances!  Between school breaks, vacations, and beautiful weather, it is easy to lose track of your finances in the sum...

Better financial well-being starts with identifying spending patterns. Tracking bills in an app is a start, but those apps aren’t showing you a complete picture of your finances. A financial coach can help you find patterns in your finances so you can take a holistic approach to managing money. Financial patterns are day-to-day data of your spending. Your bank account tells a unique story, from si...

Welcome back to the podcast series about paychecks. Today, I'm diving into the intricacies of managing household finances when you and your partner have different pay schedules. Regardless of when you and your partner get paid, having a solid budget is vital to alleviating financial anxiety. It provides a clear roadmap for managing expenses and savings goals. Learn how I recommend finding cons...

Whether you make $100,000 or $1,000,000 a year, your financial habits will follow you. Many clients think their money problems will disappear when earnings increase, but it doesn't matter how or when you get paid; it matters how you think about and manage your money. Today's episode continues the podcast series about paychecks. I address common mistakes people who get paid once monthly mak...

In this installment of the podcast series about maximizing your paycheck I am talking about extra income on payday. Overtime, bonuses, and side hustles are a great way to make additional money, but how should you account for this income in your budget? I want you to be thoughtful, purposeful, and intentional about how you’re paid so you can better manage your money. Properly allocating extra incom...

This is the third episode of my podcast series about paychecks. Today, I discuss bi-weekly and twice-monthly pay cycles. It doesn't matter how you get paid; it matters how you think about and manage your money. Whether you get bi-weekly or twice-monthly paychecks, zero-based budgeting is essential. I provide a practical framework for calculating your monthly spending plan based on your pay sch...

Navigating your pay stub as a freelancer or 1099 contractor can feel daunting especially when you’re responsible for paying your own taxes or navigating fluctuations in pay. Today, I discuss paycheck management strategies for people who work as freelancers or 1099 contractors as a primary source of income.  From tax-saving strategies to creating a PTO system for yourself, I guide you through essen...

Checking your pay stub is not just a financial task, it's a habit that can transform your financial journey. You may be used to the rhythm of your paydays, knowing when that deposit hits your account. But how often do you actually scrutinize your paystub? Let's start building this crucial habit together. In today's episode, I underscore the importance of checking your pay stub. If you...

In 2024, I want to help you earn more money! Today, I am joined by Leigha May to continue the conversation about under-earning. Leigha is a career and executive leadership coach who helps her clients get the pay they deserve.  Leigha shares everything you need to know about under-asking. We discuss the tendency to under-ask based on limiting beliefs shaped by our upbringings and societal influence...

In today's episode, I continue the conversation about under-earning. Money is a tool that can get you anywhere you desire to be, so regardless of your current position or financial status, I want you to make more money! I guide you through a series of exercises to help cultivate a six-figure mindset based on achieving your dream salary. This concept isn't about making more money for the sa...

In this episode, I continue my podcast series about underearning. You need to audit your money team to feed your earning potential. Surrounding yourself with the right people and resources is essential to getting the salary you deserve. I share the three most effective ways to audit your money team. Finding people who positively contribute to your mindset about earning more money will help you aim...

Welcome to the first episode of my new series about underearning! I will not allow you to make less than your worth. Let's make a goal for 2024 to leverage earning potential and get the salary your experience, expertise, and knowledge demands.  The root cause of under-earning is a mindset block. You aren't earning more because you aren't asking for more. But breaking free from under-ea...

If you feel like your spending is out of control, it's time to revisit your budget. An effective budget isn't about restriction; it's about aligning your money goals and values with your spending habits. Getting intentional with your spending will shift your financial taste buds and change the way you think and feel about money! In today's episode, I share how a client has progress...

In this week's Financial Spring Cleaning series episode, I challenge you to reflect on the first 90 days of 2024. It's unbelievable how quickly time flies, and it is so important to take a step back to evaluate our financial progress, goals, and habits. Reflecting on what has worked well in the past quarter allows us to celebrate our progress and identify areas of growth. Acknowledging our...

Budgeting isn't just about paying bills. It's about understanding your spending patterns and making informed decisions. Our spending habits shift with the seasons. With warmer weather comes the temptation to indulge in outdoor activities, dining out, and vacations. In today's episode, I share how to create a 90-day financial plan so you can vacation without stressing over your finances...