Money Files: Money Mindset & Personal Finance

As a coach, I love presenting new thoughts and ideas about money to my clients. In this episode, I am joined by a friend and fellow money coach, Jess. Jess helps business owners manage their time and money. Together, we share our personal journeys that led us to become money coaches and our motivations to help women gain control of their finances. In addition, Jess and I compare notes on common ch...

In this episode of Money Files, I am talking about balance transfers. Debt can be scary and overwhelming. Frequently, debt is holding my clients back from doing something they really want to do. As a coach, my job is to help them overcome the fear and shame around debt and introduce a financial plan  that helps my client pay down debt or get out of feeling like they’re in the paycheck to payc...

In this episode, I discuss the magic of my five-month coaching container. The most valuable part of my coaching program is that we get to do life together. As your coach, I am more than just an app or an envelope system. I will spend those five months engaged and learning about who you are, your values, and your feelings about money. I acknowledge that finances are super personal, and talking abou...

In this episode of Money Files, I am talking about underearning. After talking to my friends and clients, I confirmed that too many women accept being underpaid. The idea that it is okay to accept less money until you prove yourself is fundamentally flawed. It is rooted in the belief that you are less than. You are worth a higher salary. You can achieve bigger revenue numbers in your business. I b...

In this episode of Money Files, I am talking about debt. So many of my clients come to me feeling overwhelmed about the amount of debt they have accumulated. It’s time to learn how to be intentional with your debt and move through your shame or fear about owing money. I want you to have a healthy relationship with debt and be able to assess your debt without judgment. While listening to this episo...

Money circumstances can happen at any time. Things like overdraft fees, missed payments, or unexpected credit card bills can be money triggers. At lower salary levels, these circumstances are normalized, but as you grow your income, it is scary to experience something that feels like a step backward in your money journey. I want you to feel empowered to handle money triggers in both your business...

In this episode of Money Files, I sit down with my mom to talk about how her early experiences with money shaped how she taught my siblings and me about finances. My Mom got her first job very young and used her paycheck to save for new school clothes. Her commitment to saving has remained constant throughout her life. We also discuss how my journey with money began. I remember always hearing the...

In this episode of Money Files, I am starting the conversation about retirement. There is so much embarrassment around learning how to save for the future. Many of my clients think 401(k)s and IRAs are something they should just magically understand, despite never learning about saving for retirement from their parents or teachers. They are embarrassed to ask questions and admit they don’t know if...

In this episode of Money Files, I share more about my background and what inspired me to not only start my business but to continue to build wealth throughout my life. I am a first-generation college graduate. My parents supported and blessed me with the opportunity to follow my educational and career dreams. At a young age, I recognized I did not want money to be an obstacle in my life. A friend...

One of the hardest things about running your own business is managing your personal paycheck. In this episode of Money Files, I discuss the three budgets every entrepreneur needs to set to create financial confidence. Having a multi-angled personal paycheck plan removes the stress from revenue fluctuations. Regardless of good or bad months, this plan will keep your mind focused on selling and grow...

I don’t know about you, but I am tired of opening up my social media and being overwhelmed with posts about New Year's resolutions. It is great to set goals, but the pressure to establish an intention for 2023 seemed stronger than usual to me. It got me thinking about how you might be thinking about your finances this year and what those goals or intentions look like. I often see clients bring a d...

Today I sat down with my client, Lauren who just celebrated her 1 year anniversary of working with me. Just like you, Lauren struggled with wanting to pay off debt and wanting to spend money on things like travel or experiences. As much as she tried, even with a budget of her own, she was not able to pay off and stay out of debt. Lauren made the decision to ask for financial help after listening t...

If you are someone who wants to make a change in your finances as a goal for the New Year but are unsure where to start, I want to show you that your goals are possible. I am sharing a recent client panel from my most recent webinar of women who started their financial coaching journey with me in the last two years. Before working with me, they were experiencing the same fear and hesitation around...

One of the common financial challenges I see with six-figure and high-income earners is that they outsource their financial awareness to the amount of money they make. If you’re making more than you’ve ever made before and you still wonder if you’re doing the right thing with your money or you feel like you should have more to show - you’ve probably outsourced your financial awareness. In this epi...

Proactive is the word I’d use to describe the client I’m chatting with this week. She dared to reach out to work with me even though she was in an okay place with her finances so she could move from good to great. Nicole started working with me early last year after getting a lump sum of money from refinancing her condo. After talking to her financial advisor, she quickly realized she needed a coa...

If you are in a 9-5 job and in a position where you want to create your transition plan to work for yourself, you’re not alone. It’s been almost two years since I left my job to work full-time in my business. When I first started working for myself I used my savings and contract work to manage my expenses but went back to full-time employment to rebuild my savings. I learned a lot and today I want...

One of the common challenges I see as my clients make more money is an unintentional shift in focusing on their numbers.   Most of my clients would tell you they had a budget when they were making less money - because they felt like they needed to budget.  But now that they’re making six figures or even multiple six figures they no longer feel the need to budget. This is simply because t...

Do your financial dreams go beyond improving your credit score or paying off debt? One of the common challenges I see as a coach is that people do not allow themselves to have financial dreams outside of common financial advice like saving more money, improving their credit score, or paying off debt. When I think about my own financial dreams, even while I was in the midst of paying off my student...

I’ve worked with over 100 people since I started my coaching business and one thing connects them all, they’re worried about what they will lose if they commit to knowing their numbers. And you might find yourself thinking in a similar way, it’s normal. But it’s important to understand that prioritizing your finances is the equivalent of you choosing to put your oxygen mask on first. And when you...

It’s that time of year again: open enrollment season, a time of year that people largely forget about. Maybe you just picked the first health plan you saw when you started a new job, without considering your individual health needs, or you set up the 401k contributions based only on your employer’s match program. If you’ve never reviewed your plans or contributions since then, you’re probably leav...

If you’re a type-A person like me, you probably grew up in an environment where you were praised for the ability to do things on your own instead of constantly asking for help. For me, the belief that I should be able to figure everything out by myself served me well… until it didn’t and started hindering my personal growth. These last few weeks, I’ve been exploring what it means to embrace feelin...

Are you in a position where you know you need to make a change, but are too stuck in old beliefs and fears around money to ask for help? That was the story for my client Karen, until she made the brave decision to reach out and ask me for help. Karen first started working with me at the beginning of the pandemic after going through bankruptcy.  Today, I’m catching up with her after almost two...

Are you a person in position to price your own work by doing 1099 work on the side or even as a full-time solopreneur? Are you undercharging and having difficulty making the amount of money that you need to make your business sustainable and your life less anxious? To charge the amount you need for business and financial success, you need to examine how you think about your services and start char...

Do you find yourself paying off debt each month, only to find yourself surprised by an even higher credit card bill a month or two later? If you want to break the cycle of debt, it starts with understanding how money is moving in and out of your life. If you don’t think about your money until it starts to cause you pain, you end up spending and “figuring it out later”, often resorting to using you...

The very first time I met Eniola, I asked her how much she paid for her house. Although she was a little surprised by the question, she graciously answered me, and we were able to have a conversation about real estate costs and options in our area. While social conventions sometimes discourage this kind of discussion, I’ve found that casual chats about money between friends allow us to share finan...