The Money Whine & Cheese Club with Sara Fernandes

I’ve had some friends reach out and I’ve seen some comments about my view on credit cards and I want to set the record straight. Now, you’ve all heard or seen my posts on social media about how I don’t use credit cards and tell everyone who will listen or read not to use them. The reason I don’t use credit cards is because I don’t trust myself with them! There I said it! Many years ago I got into...

Today we are getting into the nitty gritty! We are going to talk about one of my favorite things, well, 2 actually!, shopping and gift buying. I love buying gifts for others and I love getting gifts! The least thing I like getting is a gift card, unless it’s for a massage or a spa day! I know it can get overwhelming when you think about getting a gift for someone, you never seem to know what to ge...

Today, I want to talk to you about frugality, what is it and why do we cringe when we hear the word, well most of us… So, October 2nd was Frugal Fun Day and in light of that, I thought it was the perfect opportunity to talk about frugality! So, what is a frugal person? Well, according to the dictionary, it’s someone: economical in use or expenditure ; prudently saving or sparing; not wasteful: Wha...

Today I want to talk to you about the different kinds of budgets there are. Now, if you remember I told you that I listened to Dave Ramsay whenI was first getting out of debt. It wasn’t an easy thing, he has very strong opinions and like he says, he’s an expert on his opinions! So, sometimes it felt overwhelming and stressful when the budget wouldn’t work out the way he said it should! Now, he is...

Today I want to talk to you about… Spending Plans! So far I’ve told you my story, the light version, I’ve talked to you about budgets, the extremely light version of Spending Plans and I’ve talked to you about the difference between Needs and Wants, that we sometimes have trouble distinguishing! So I feel we are becoming good friends and it’s time to let you in on a secret. No matter how hard you...

Hi Friend! Today I think I want to talk to you about the difference between Needs and Wants! It may seem very clear to you which things go under each category, but is it really? For example, a book, is it a need or a want? Well, if you're a teacher it may be a need, but if you really only love to read, then it’s a want. A need and a want can be very different from person to person. Having said tha...

Podcast episode 2 Hi Friend! Today I want to talk to you about… budgets! But first, I want to know if you had a chance to think about the question I asked you last week! How bad do you want it? If you haven't, maybe give it another try, journal about it, ask it out loud! Just promise me you’ll give it a chance, it might change your life! On to today’s topic, budgets! I want this podcast to be insp...

Hi Friend! Today, I want to tell you my story! I’ve been praying about it for some time (yes, I said praying!) and I know it’s my mission, to share my journey with other women who might be feeling discouraged by their circumstances. Who might be thinking it’s too late to create the life they know they deserve to live, either because they feel they are too old or because of the situation they find...

Sara introduces herself and her Podcast The Money, Whine and Cheese Club Podcast.