The Money Whine & Cheese Club with Sara Fernandes

A weekly series designed to help you overcome the Sunday evening anxieties that come with the start of a new week. Each episode I’ll talk about common sources of stress, that go from money problems to unfinished to-do lists, from feeling stuck in routines to navigating big life transitions. So, join me as we dive into topics that impact the everyday woman, that’s you and me, with tips and reflecti...

Money Mindset is one of those areas we have to keep working on. It can be a very difficult topic especially for women going through life transitions. Take a listen and tell me if you agree with the 5 steps I have for you. As usual you can find me: Money, W(h)ine & Cheese sara@thesarafernandes.com https://linktr.ee/Thesparklingbudgeteer

If you're feeling like you're stuck in that paycheck-to-paycheck cycle, always waiting for the next payday, and feeling anxious about the money running out—you're not alone. But today, I want to help you change that. Let's break free from this cycle together. As usual you can find me: https://moneywhineandcheese.com sara@thesarafernandes.com https://linktr.ee/Thesparklingbudgeteer #howtobudget #bu...

An Emergency Fund not about preparing for disaster; it’s about creating a safety net that gives you peace of mind and the confidence to face whatever life throws your way. An emergency fund allows you to take control of your finances and avoid reaching for that credit card in moments of stress. Let’s dive into how you can start building one today. Please subscribe and give the podcast a rating so...

In our 50s, we might find ourselves at unique crossroads in life. So, whether you're nearing retirement, adjusting to an empty nest, or simply rethinking your financial future, now is a perfect time to adopt mindful spending practices. The goal? To ensure that every dollar you spend is intentional, aligned with your values, and ultimately stretches your budget further without sacrificing the thing...

Budgeting using the 60-30-10 Rule US The Budget Planner UK The Budget Planner As usual you can find me Blog Money, W(h)ine & Cheese sara@thesarafernandes.com Everywhere else #budgeting #money #financialfreedom #budgets #payingdebt #personalfinance #lifecoach

Staying Motivated through life can be hard. Here are my best TIPS to navigate the journey! If you want 20 more TIPS go read the article HERE You can find me: HERE sara@thesarafernandes.com #personalfinance #moneytips #motivation #budgeting #debtfree #moneywhineandcheese

Budgeting is often seen as a restrictive and daunting task, but it doesn’t have to be! Let me tell you my secret, my budget is actually permission for me to spend.  With a zero-based budget, you take control of every dollar and assign it a specific purpose. Whether you're trying to save for a big purchase, pay off debt, or just want to have better control over your finances, this budgeting met...

I’ve talked before about how it’s easier to stay on your financial journey, budget, pay off debt when you align your values with your life and your money. But now exactly are we supposed to do that? Today, let’s break it down. Becoming the person you aspire to be is not only a journey of self-discovery and growth but also a strategic move that positively impacts all areas of your life. By aligning...

The Last Episode of the Season is a GOOD one! The Money, W(h)ine & Cheese Club will be back in September! Wishing you all a great Summer. Embarking on a budgeting journey seldom starts with a self-discovery process, yet that’s exactly how it should start. When you align your financial habits with your true self, managing money becomes more intuitive and less of a burden. Here’s a guide to help...

let's talk about why having a financial plan is so important. Planning our finances gives us control over our money, rather than letting our money control us. When we know where our money is going and have a strategy for saving and spending, it reduces stress and uncertainty. Managing your finances is an act of Self-care in itself, it will take away so much of the anxiety and fear that you fee...

Take some time to reflect on the past six months. If you are someone who budgets or has some system to keep their money in control, think about How have you managed your finances? What financial goals have you achieved? What challenges have you faced? What lessons have you learned? Grab a notebook and jot down your thoughts. If you are new to setting financial goals, at least intentionally, or are...

Let’s talk about the fear that organizing our finances will be restrictive and painful. If you’ve ever felt a knot in your stomach at the thought of budgeting or tracking expenses, you’re not alone. But here’s the good news: getting a handle on your finances doesn’t have to be a dreaded chore. In fact, it can be empowering and liberating! ✅✅ You can find me: 🚻🚻 https://moneywhineandcheese.com...

Zero Balance Budgeting: Sipping on Financial Freedom Pour yourself a glass of your favorite vintage and join us for a nother episode of the Money, W(h)ine and Cheese Club podcast, where we uncork the secrets of zero balance budgeting. Get ready to indulge as we go through the principles of zero balance budgeting, guiding you through the process of creating a budget that puts you in control. Whethe...

The difference between a Dream and a Goal is that we make plans for goals! What we focus on grows, and it's the same with your Finances. As always you can find me: https://moneywhineandcheese.com TheSaraFernandes Personal Finance Digital Planners Thank you for listening! Please consider subscribing to the show and sending it to a friend that might enjoy it!

Getting out of debt on a low income can be challenging, but it's not impossible. With determination, strategic planning, and disciplined financial habits, you can start to dream of a debt-free future. Breaking free from debt on a low income requires commitment, resourcefulness, and a strategic approach. By creating a realistic budget, prioritizing debts, and exploring various financial strateg...

Why is visualization such a powerful tool? Our brains respond positively to images and visuals. By creating a vision board, you're essentially providing your mind with a constant reminder of your financial goals, making it more likely for you to stay focused and motivated. As usual you can find me here: https://www.moneywhineandcheese.com https://linktr.ee/Thesparklingbudgeteer or you can writ...

A no-spend month is already a staple around here. If this is your first time, you'll find some useful tips in this episode like: Define Clear Rules and Goals Create a Realistic Budget Plan for Free Activities as well as some tips as to how to stick to the challenge! As usual you can find me here: https://moneywhineandcheese.com https://linktr.ee/Thesparklingbudgeteer or you can write to me at...

A play on words, but I think you'll find that commitment is commitment, whether it's to a person or... not. Are we walking the walk or are we just talking about it? Hope this episode inspires you to live your best life. Her Business Planner 2024: https://www.amazon.com/Her-Business-Planner-2024-entrepreneurs/dp/B0CNKQ2PV9/ref=sr_1_1?crid=1ONCJ5C6M77HU&keywords=her+business+planner+2024...

More is caught than taught when it comes to teaching kids about money. Thank you for listening to this episode if you like this kind of content please consider subscribing and leaving a 5 star review as it helps get the podcast in front of more people. Also if you have a friend you could share this episode with, I'd be very grateful. As usual you can find me here: https://moneywhineandcheese.c...

It's not always about the money! Thank you for being here. If you like this kind of content please consider subscribing and leaving a 5 star review as it helps to put the show in front of more people, also consider sharing it with a friend, you never know who might just need to hear this message.  https://moneywhineandcheese.com https://thesarafernandes.com

It is the Most Wonderful Time of the Year, but it can also be, the most stressful one when it comes to spending... So before Black Friday and Cyber Monday come around, here are a few tips to keep your spending in check this Year! I hope you enjoy this episode and if you do, please subscribe and share it with a friend, it means a lot. Also, if you haven't done so already, consider subscribing t...

Whatever you are trying to accomplish in life, pay off debt, budget, start a business, parenting, you turn to the gurus to learn from their mistakes and hopefully get to the end result faster, with the least drama possible and wining! But sometimes when you listen to a lot of people at the same time, it's a lot of noise and it can make you feel overwhelmed and not at all feeling the way you th...

Life happens when you are busy making other plans! Well, that's exactly it! and in today's episode I really want to reflect on that and think if we're really doing what we think we should be doing or if we are doing what everyone else expects of us! In this episode we talk about self - protecting patterns, mindset, money, behaviour and lots more Join me for a hiatus episode to begin th...

Motivation is THE ONE thing most people seem to struggle with when it comes to... change! It doesn't really matter what we are trying to change, we can get all hyped and go all in for the first few days and then... we give up! Why? Well, there are many reasons, one of them is trying to change for THE WRONG reason, another is not acknowledging the progress we are making, no matter how small! An...