The Money Whine & Cheese Club with Sara Fernandes

A Scarcity Mindset is more damaging than the lack of actual cash! And that's the reason I talk about it so much! It's that important, not only in our finances but also in our life in general. Mindset is the thing we struggle the most with and it takes time but you can get to a better place a place of abundance! I know your life will change once you decide to adopt this five strategies unto...

How to Stick to a Budget Without Sacrificing Your Lifestyle Do you ever feel like you're caught in a financial trap, forced to make sacrifices and cutbacks just to stick to your budget? You're not alone. Many people, myself included, struggle to maintain a comfortable lifestyle while living within their means. But here's the good news – it doesn't have to be this way. With a few st...

I know I keep saying it but I bet you ain't listening! Is this one of those situations that you hear me but you don't listen? I want you to decide to create a plan for your money before it isn't a choice anymore... because if you don't start taking care of your finances there might come a time when you simply must take drastic measures to make sure you can put food on the table and...

Now this is something I've been hearing a lot about and I want to tell you, it's not what you think!  There's actually a very good reason why Women don't want to do this but when they do, they are amazing at it!  It's a generational thing, it's a mindset thing and it has to do with our education and our habits. Let's get into it! Thanks for being part of my world, I love being part of yo...

Desperate times call for desperate measures! It's about that time... to start keeping track of your money! If you've been here long enough you know what I'm talking about, if not, well I'm talking about getting rid of all the stress and headaches caused by not knowing... simple ignorance, when it comes to your money! Can you afford the life you are living? I know it's easy to blame everything else...

I'm sorry about the sound, I recorded it on the go, but hey, all the goodness is in there! Are you feeling stuck when it comes to your finances? Are you having trouble reaching your financial goals? Then this episode is for you.  I'll help you take the guesswork out of your financial future by providing practical advice on how to make your money work for you.  Before starting that budget...

Is it just me or groceries are extremely expensive right now? I'm starting to panic around here and when that happens I always go back to the basics! Want to know more? Listen to the episode and share it, others might benefit from it as well! If you like this kind of content please subscribe and leave a review, I do appreciate it! You can find out more about me here https://linktr.ee/Thesparklingb...

It's never easy to look at our finances, to see where our money is really going and why we are behind on our bills. I know, I've been there. That's why it's important to have a budget. Even if you don't stick to it 100% of the time, if you deviate, at least you know what you should be doing and how! And that my friend is how Miracles are created, through taking action!  To get you started on...

What is a No-Spend week? And most of all, why should you have one from time to time?  Listen to the episode and learn why I do it and why you should too! I also am revealing some of my intentions for 2023 and I want to know what you think about them...  As always, get in touch here or HERE Don't forget to grab your copy of the 5 Step Checklist to Organize your Life and Your Money through...

Are you intrigued yet? Well, the most amazing breakthroughs happen when I'm doing something completely random! Like washing my face!  I would love to have you in my world so if you want to Claim the Life you want through Organizing and Decluttering, please grab my 6 step checklist to get started here ! As always, you can get in touch  Or here

2022 is just about over so what better time to create a Vision Board than today? I agree the best time would've been yesterday but today is the next best time!  You have more control over your life than you think! Having said that, we can all use a little help from our friends, the Universe, God, Spirit... whatever Higher Power works best for you!  You are in the right place to learn mor...

The Holiday Season can be very stressful for most of us! If you’ve been here long enough, you know I am a Christmas person. I start thinking about it, talking about and dreaming about it in September… but it’s true that family, shopping, cooking, can be very, very stressful. That’s why I wanted to record this episode! If that’s you, getting stressed, I want to tell you, you are not alone. Full dis...

One of the things we overlook all the time when we are getting out of debt, or want to cut expenses, is meal planning! And it can be a game changer! As busy moms, business owners, full time job employees, we need to save time every day and if in turn we can save money that's just a plus! And I found you the person to help you do just that! This week, I have the pleasure to talk to Shelly Smith fro...

Have you ever thought how the amount of clutter in your life and mind can affect the money you have, make or keep? Take a listen and see how you can start to change the narrative! It's all about wealth creating and even what Einstein had to say about it! As always, you can find me HERE or HERE my planners and Money books HERE and you can contact me here:  sara@thesarafernandes.com

This week on the Podcast I have my friend Claire Nutton from The Disruptive Yogi who came to tell us all about being an entrepreneur, what her community is all about and why it's important to take care of ourselves, even, especially,  when we "don't have the time" for it! I hope you get as much as I did out of this episode!  Claire Nutton is the CEO & Creator of The Disruptive Yogi....

In the spirit of sharing my Village with you, meet Fiona Pimentel. Fiona is my Friend and my Coach. She's been Coaching for a while and I'm happy for you to get to know her as she's responsible for getting me to do rather than to think about doing! It's a good thing, believe me!  You can get in touch with Fiona here: seaorchardretreat@gmail.com And find out all about her here: www.seaorchardr...

You know Christmas is coming because the tune changes around here!!! I love the Holiday Season, I exaggerate and I'm proud of myself for getting better at not exaggerating! Especially when it comes to spending money I don't have! I get a little anxious because, I'm a spender! I love spending money on others and on myself! I love gifting and receiving gifts! That's my thing! So I usually tense up t...

This one is, especially, for my Entrepreneur friends. Being an Entrepreneur, deciding to say no to the 9-5, the steady pay check and paid vacation is not easy. If anything we are Unicorns! Not everyone has what it takes... no, that's not right, not everyone will do whatever it takes to do it... and that's ok! For me, it's been a journey, I've grown so much personally and in my business that it som...

Have you ever wondered why some people seem to "attract" money with no effort? Why do you think it has to be hard? Well, I probably can answer that for you! You were probably told growing up, that "money doesn't grow on trees" AND "rich people are bad people" , am I right? I know I was! And it took me a really long time to acknowledge that, let alone, do something about it! I have been working on...

Have you ever thought of your self-worth as other than how much money you make at your job?  Now, be honest, if not to me, to yourself! We all have done this, which is ok, as long as we set the record straight with ourselves!  This year has been very insightful for me, as I left my JOB and started my own business and making little to no money at the beginning was very hard!  If you...

Do you ever think about this? To me, that’s what a Wealthy life looks like! When we feel well in all areas of our life and are free to live the life we want to live! But, what in fact does that look like? Have you ever thought about it? I thought today, we’d get to it because what I see happen (I’m guilty too!) is that we know what we don’t want in our life but we seldom take the time to think abo...

In this episode learn about Becoming Money Confident Bootcamp. What it's about and who it's for as well as more practical info like when it's starting! A new Community is born! A Community by and for Women who want to live a Wealthy life but don't even know where to start. Learn more: www.thesarafernandes.com https://linktr.ee/Thesparklingbudgeteer Join the Bootcamp The W(h)ine & Cheese Club C...

Heads up: the sound is far from perfect, actually I thought about not even publishing this episode but that's exactly what has been keeping me from recording and sharing so much information with you! The fear of being rejected, the fear that it's not good enough... so today is the day that I let go of all that fear and just do it anyway. So, I ask of you, get past the sound and listen to the infor...

Do you feel like Summer (as great as vacation is!) disrupts your year and derails your plans and goals? In this episode, learn to give yourself some grace and do a reset! Make September feel like it's a New Year, a clean slate! As always you can find me 👉  www.thesarafernandes.com ; @the_sara_fernandes and 👇 https://linktr.ee/Thesparklingbudgeteer

Why I don't talk about the B word anymore!! In this episode you can hear all about the mindset behind the struggles most of us feel when dealing with money! Why #mindsetmatters and #moneyiskey to achieving our best life. Work with me HERE Learn more about me HERE And follow along HERE and HERE For all the things: https://linktr.ee/Thesparklingbudgeteer