The Money Whine & Cheese Club with Sara Fernandes

Do you know the expression time is money?  Well, maybe it's about time to really start tracking your time and your money and take both of those a little more serious! In between the juicy pep talk you can hear the birds in the garden!  As always, please leave a comment or review, send me a message and don't forget to tell me what other topics you'd like to see discussed here! For all con...

How about it?  I sometimes feel like everything is wrong with me only by the amount of self-help books I read! I might have a problem guys! 😂 Have you decided which budget is best for you? How about just starting here, go to the link and click on Ready to Become Who you are meant to be!  https://linktr.ee/Thesparklingbudgeteer Thank you so much for being here, I appreciate you! If you h...

Hi Friend! I know that the topic this month is necessary but a bit tough! We all know we should create a plan for our money right where we are today and yet we resist it! Why do you think that is? I’ve been talking and writing about this for over a year now and I get the same responses from readers today that I got a year ago! I Know it feels so hard to get into the finances and figure out what we...

o, This month I’m not actually going to be talking (writing) about a topic. Well, I am but it’s one I love to talk about, money! I’ve had some feedback on the topics I choose to write about. Most people want to “Redesign “ their lives but it seems like so much work! Others want to get out of debt but “where to start“!!! Everyone wants a magic pill that they can take before going to bed and , voilà...

Participant #1: Hi, Kyira. I'm here with Kyira, and I'm going to tell you a little bit about her. So, she is a mental health therapist and speaker, has a master's degree in counselling psychology, and works in the mental health field since 2012. In 2017, was awarded the Score American Small Business Award for her work in mental health and for her work with her community project. Very impressive. N...

I asked you to look at hard things in your life but now comes the part where you get to use all that information and start moving forward in this journey! Today we are going to “Create your RoadMap“ with the “You Are Here“ arrow! Remember when you go to a park or a shopping mall and there’s always an informative plan of the local with a “You Are Here“ spot or arrow? That’s there so that you can se...

Have you had a chance to think about last week’s question? Well, I asked it because that’s one of the first things we ask a kid when we meet them. But guess what? It’s not really the correct question because, well, we don’t stop “growing“. Growth is the meaning of life itself! So the question really should be “what do you want to grow into?“ and we shouldn’t be asking it of only the kids, this is...

It’s April and if you are anything like me (and I think you are a little bit like me!) you are wondering where the h*** the first three months of the year went? Am I right? Is it just me or do you feel like you are just setting your goals for the year because, well, life decided to happen through January, February and March!! If that’s you my friend, you are in for a treat! This month’s topic is t...

This episode is very special because it's a very relaxed talk about life and mindset and behaviour with my mentor, business coach and friend, Natalie LaRoche. From now on, the last episode of the month will be an interview. It will be with either an expert in the area we are talking about or someone with a personal story about money or someone who I admire and want to introduce to you.  The f...

We have looked at our spending habits, or rather, our spending tendencies and why some people prefer spending money on things rather than experiences. We’ve talked about how to deal with a partner that is the complete opposite to us… and yet there’s still so much to talk about! Every time I come back to talk about money, I always end up on Mindset. I know I’ve been at it for a while now but, I com...

Hi Friend! Nice to see you here again! Well, I only have my own experiences to rely on and I will use that to explain to you, the best I can, how you can turn the situation around. I don’t mean how you can trick your partner into doing exactly what you want (but if you do figure it out let me know… research, of course!!) 😉 Seriously, I actually deal with this on a daily basis. I’m an “experiences...

This month we are talking about “Having“ vs “Experiencing“ when it comes to our spending. In which of these two categories do you fall? Do you prefer to buy “things“ that you can use over and over again or that you can look at whenever you feel like it because it brings you joy? Or, do you prefer to spend your money on “experiences“ that will make you happy and you create memories that you can che...

Hi Friend!  One of the things we must do is forget about our past. Our past does not define our current situation nor our future. And I begin with this one because this one creeps up on me like, a lot. I find myself beating myself up because of past mistakes I made with money and I really don't think there's one that I didn't make! Yes, this is a big one for me and I have to remind myself con...

Hi, friend. Tell me, have you been practicing all the techniques we've been talking about to create a healthy money mindset? How's it going? Please let me know if they are really working for you or if you are struggling with one in particular. I'd love to know and to help you if I can, of course. So I want to tell you about something that happened to me over the weekend. If you are a subscriber to...

During the month of February, I’ll be going a little deeper into our financial mindset. In the last episode I talked about the overwhelm we feel around our finances and I remembered that a lot of the overwhelmed I felt when I was first dealing with my massive debt and the money, cam from my mindset around money. So because it’s my birthday month, February, I decided that I could use a reset myself...

Overwhelm can be a response to a positive situation. I heard this from Susie Moore and I will probably butcher her words, but it went something like this! We sometimes say: “I’m overwhelmed with all this work!“ and that’s a good thing, especially when we think we have work! So, when we talk about our finances, why do we feel overwhelmed? Because you don’t have enough money to cover your basic livi...

What is the best time to start paying attention to your financial situation?  Correct, it is yesterday, but since we didn't start yesterday, today is the next best answer! Join me in my Masterclass “Overwhelm to Crushing your Personal Finances“ Live on my FB group, on the 24th, 25th & 26th January 2022 at 10am EST. This episode is really to remind you that your life could be so much bette...

I'm having a hard time setting goals for the year! I love plans and budgets and lists and yet, when it comes to setting goals... something just paralyses me! While I was thinking about the goals I wanted to set, I started to think about the way I talk to you and how I am afraid to hurt your feelings and how much I want you to like me, because let's face it, I want everyone to like me! And even tho...

In this episode I want to remind you of a few things you can do, or let go off, to have a more joyful or peaceful time during the Holiday Season. But most of all I want to wish you a Merry Christmas.  I want to thank you for being here, supporting me and I want you to know I'm here to support you. There are a lot of free resources you can grab, articles on the blog you can read that can help...

It’s the most Wonderful time of the Year! You all know I love all things Christmas! The weather, yes I’ve spent many Christmas in the southern hemisphere and yes, I loved it, but there’s just something about snow, a white bearded old man in a red suit and hot chocolate with whipped cream and marshmallows… If I’m being honest, I’ve been nesting from right about after Thanksgiving. I’ve been getting...

I’ve been talking to you a lot about what not to do financially speaking, when you are trying to get out of debt or change your money habits. One of the things most people, myself included, ignore is that our personal behaviours are a major factor to either help or sabotaje our success! What I mean is, if we keep spending like we always have, if we keep earning like we always have, nothing is goin...

Happy Thanksgiving my American friends! I hope you are having the most wonderful holiday with family and friends. I know most of you are ready for tomorrow! I know I am! I shouldn’t really be saying this but… I love shopping and black friday is rapidly becoming one of my favorite days, especially because since 2019 online shopping has become one of my favorites! I hope you have planned for it and...

Hi Sparkly friend! Today I’m coming to you from the South of France, Montpellier to be exact, it’s beautiful and we are just off the golf course… dreamy! Great to take long walks and it’s sunny so, all is well! I know Thanksgiving has not yet arrived but I can't resist! I'm a Christmas person. There, I said it! You have probably figured this out already and I wasn't even planning to write a post a...

Today I thought I’d talk about spending! I know what you are thinking, “for someone who is always talking about budgeting and getting out of debt she sure talks a lot about spending!” Well, you are not wrong! I have been very open about how much I LOVE spending money and also how that love for spending got me into financial trouble! So, if I’m constantly talking about spending, I hope you are hear...

This year mental health has been on everyone’s mind. No joke here, this is a very serious and heartfelt subject to me. I believe it took a worldwide pandemic to get Mental Health the attention it deserves. Somehow, when everyone all over the world is concerned, issues take on a new proportion. My interest in Mental Health began when I got out of debt and started to dig a little deeper to see (and...