Budget Divas

Ep #77: Today, I want to dive into something that often gets overshadowed in our debt-free journeys—budgeting anxiety and income anxiety. Many believe that once you're debt-free, life becomes a breeze, all rainbows and sunshine. But the reality is, the worry about financial stability doesn't just vanish. Let's break down what budgeting anxiety and income anxiety really mean.It's that uneasy feeling when you're juggling personal finances, stressed about expenses, fearing you won't meet financial goals, or overwhelmed by the complexity of budgeting. On the flip side, income anxiety is the stress tied to the amount and stability of your earnings. It could be the fear of job security, the unpredictability of gig work, or simply not earning enough to cover your essential expenses.Even though my husband and I have been budgeting for ages, have our emergency fund, and all the financial foundations, the worry about tomorrow still lingers. And that's what I want to dig into today because stressing about financial stability, especially in this unpredictable world, is totally relatable.We see people flaunting their fancy lifestyles, but behind those snapshots, we're clueless about their actual financial situation. So, how do we navigate this anxiety and still find happiness without constantly fearing the worst?First things first, we need to acknowledge and understand these anxieties. You're not alone. Once you pinpoint the sources, you can tackle them head-on. Now, when I'm stressed about money, I don't immediately slash my budget. Instead, I make a list of things in my budget that genuinely make me happy—the "spark joy" list.It's liberating because it helps me decide what stays and what goes without feeling deprived. And let me tell you, extreme frugality like turning underwear inside out or reusing cloth toilet paper isn't my style. So, no, I won't be doing that. Instead, I focus on practical strategies.One key tip: make a "not right now" list. Sure, say no to some things, but if you keep saying no without a "not right now" list, you might end up stressed with nothing left that brings you joy.Another crucial move is building your emergency fund. I'm a big fan of Ally Bank—great for setting up multiple buckets for different goals. Start small and gradually increase your emergency fund over time.Now, let's tackle income anxiety and diversify. Having multiple sources of income brings security. It could be freelancing, a side hustle, or investments generating passive income. I often talk about mystery shopping, but it could be anything that fits your lifestyle.Keep building your skills. Stay adaptable in this rapidly changing job market. Continuous learning and staying updated with industry trends enhance your employability, reducing income anxiety.Lastly, seek support. Whether it's a financial advisor, a community like Budget Divas, or attending financial literacy workshops—having a support system makes a significant difference in managing budgeting and income anxiety.Overcoming these anxieties is a journey. It's okay to seek help along the way. Until next time, keep moving forward, Budget DiYou're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Register here: https://www.budgetdivas.com/fasterMystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

Ep #76: In this episode of the "Budget Divas" podcast, our guest is Shari Collins of Glasssibling.com. Shari shares her inspiring journey of resilience and transformation. Shari's story begins with the adoption of her two brothers from Sierra Leone, Africa, which turned into a traumatic and chaotic experience due to their severe behavioral issues. The situation reached a breaking point when one of her adopted brothers set their house on fire, leading to significant emotional trauma. Shari opens up about the challenges she faced, including mistrust of adults, church hurt, and coping through books.Despite the adversity she faced, Shari describes a pivotal moment in her life when she confronted her anger and questions about God's goodness. She made a conscious decision to trust God and release her anger and resentment. This turning point led her on a path to healing, forgiveness, and building a more positive mindset.The podcast delves into Shari's financial journey as well, highlighting her shift from a scarcity mindset to a more empowering perspective on money. She discusses her experience with mystery shopping and how it allows her to enjoy life without compromising her social life or overspending. Shari emphasizes the importance of controlling money rather than allowing it to control you, ultimately creating financial freedom.Shari discusses their shared love for books and how changing their money mindset has allowed them to prioritize spending on things that bring them joy. Shari talks about her company, Glass Sibling, and her mission to support and empower "glass children" – siblings of special needs individuals – by helping them find their identity, self-worth, and community.Listeners can connect with Shari and learn more about her work on the https://www.glasssibling.com, as well as through Facebook and Instagram.The episode highlights the significance of mindset and resilience in overcoming adversity, finding financial freedom, and building supportive communities. Shari's story serves as an inspiring example of how transformation and healing are possible when we make intentional choices to change our perspective and actions.You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Register here: https://www.budgetdivas.com/fasterMystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

Ep #75: In this episode of the Budget Divas podcast, you will hear my journey into the world of mystery shopping and provide three essential tips for those wanting to embark on this exciting adventure. These tips can be applied before you even register for your first mystery shop. 1. **Practice Writing Reviews:** Start by honing your storytelling skills by reviewing places on platforms like Yelp and Google. This practice will help you create detailed and compelling reports in the future.2. **Talk Less, Listen More:** When mystery shopping, it's crucial to ask the right questions and then actively listen to the employees. They should lead the conversation, helping you evaluate their customer service skills effectively.3. **Start with Inquiry Shops:** To build confidence without risking your money, begin with inquiry shops. These shops don't require purchases but serve as an excellent foundation for your mystery shopping journey.Remember that while the initial challenges may seem overwhelming, commitment and practice will lead to proficiency in mystery shopping. This journey can transform your life, helping you pay off debts, dine in top restaurants, and enjoy experiences while getting paid. For those who want to delve deeper into the world of mystery shopping and budgeting, I invite you to attend my live training sessions, where you can learn how to reach your financial goals faster and enjoy the process. So, get ready to embark on this exciting journey and make it work for you.You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Register here: https://www.budgetdivas.com/fasterMystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

Ep #73: Recently, I had an unexpected adventure in Colorado that I can't wait to share with you. But more importantly, I want to explain why I'm so passionate about budgeting and helping you become debt-free.So, let me start with our impromptu trip to Colorado. It wasn't planned at all. One day, my friend Cindy called and said she was going to Colorado with our friend Christine. Cindy's dream was to learn RVing. I shared that goal of traveling the country in an RV and enjoying every moment.I had a long to-do list, and the practical side of my brain said, "No, Jen, you can't go. Focus on your tasks and plan a better trip next time." But my other side said, "This is an opportunity to get away." A few weeks earlier, I'd received some shocking news that left me rattled. Life and business have their ups and downs, and as they say, life is 50/50 – half good and half bad. When life throws challenges your way, you sometimes just need to get away.After discussing it with my husband, he encouraged me to take the trip. He reminded me to step out of my daily routine, meet people I'd only known virtually, and be present with them. We went on daily hikes, had outdoor barbecues, and stayed in a beautiful RV surrounded by breathtaking Colorado mountains. The core message of this episode is why I'm so passionate about budgeting and helping you become debt-free. When you have money in the bank and a financial plan, you can embrace spontaneous opportunities like this trip without worrying about credit card limits or debt. Here are some tips to get you started on your own debt-free journey:1. **Create a Budget and Debt Payoff Plan:** I know, creating a budget doesn't sound exciting, but when you put everything down on paper, you'll feel energized. No more mental clutter; you'll have a clear plan. Even if your debt seems overwhelming, at least you'll know how to tackle it and potentially increase your income.2. **Build a Savings Fund:** I love using Ally Bank for this. They let you create multiple savings buckets, each with its own goal. For instance, you can have a Christmas fund, a vacation fund, or a clothing fund. This way, you won't have to rely on credit cards when unexpected expenses pop up.3. **Explore Side Gigs:** Find a side gig that aligns with your interests and passions. For me, mystery shopping was a game-changer. It not only accelerated our debt-free journey but also enhanced our lives. With the extra income, we could enjoy life's little pleasures and make memories without breaking the bank.The message is clear: financial freedom and debt reduction don't mean you have to sacrifice all your joys in life. With a budget, a savings fund, and a side gig, you can live your life to the fullest, embrace unexpected adventures, and confidently make choices that align with your dreams and financial goals.Whether it's a spontaneous trip to Colorado or another opportunity that comes your way, remember that financial planning gives you the freedom to say "yes" without hesitation. Join me on this journey towards financial freedom, and let's make 2023 a year of extraordinary financial choiceYou're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Register here: https://www.budgetdivas.com/fasterMystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

In my 20s, managing money wisely is crucial for securing a stable financial future. Here are five things I would do with my money during this pivotal decade:Build an Emergency Fund: Prioritize creating an emergency fund.Invest in Self-Improvement: Invest in myself through education and skill development. This could include taking courses, attending workshops, or gaining certifications that can lead to higher earning potential in the future.Budget and Save for Goals: Create a budget to track my spending and ensure I'm saving for both short-term and long-term goals. Impulse Spending: FOMO can lead to impulse spending on things like expensive trips, gadgets, or experiences that you can't afford. This can quickly deplete your savings and put you in financial stress.Travel and Experience: Your 20s are a time to explore, learn, and create memories. While being financially responsible is essential, don't forget to allocate some money to travel and experience the world.Overall, the key in your 20s is to strike a balance between enjoying the present and preparing for the future. By building a strong financial foundation through saving, investing, and responsible debt management, you can set yourself up for a secure and prosperous financial future.You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Register here: https://www.budgetdivas.com/fasterMystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

Ep #71: What is the #1 fastest way to get out of debt? Consistency. This episode emphasizes the importance of discipline in budgeting habits for achieving financial success. The key takeaways from the transcript are as follows:Consistency is Key: The host stresses the significance of maintaining consistency in budgeting efforts. Successful individuals consistently attend meetings, follow through on tasks, and don't give up even when life throws challenges their way.Flexibility in Budgeting: The host advocates for flexibility in budgeting. Life circumstances change, and it's important to adjust your budget accordingly. For example, the grocery budget can vary from month to month based on factors like seasonal changes and holiday gatherings.Developing Discipline: Consistency helps develop the discipline needed for long-term financial success. It's crucial to establish a routine for monitoring bank accounts and budgets, even if it's not done daily.Motivation through 'Why': The host suggests that individuals should connect with their "why" – the reasons they want to achieve financial goals. Sometimes, simple motivations like better sleep, improved lifestyle choices, or avoiding financial stress can keep people motivated and consistent.Small Wins Matter: Celebrating small financial victories is essential. Even seemingly minor financial achievements, like canceling a subscription or earning a small extra income, contribute to long-term success.Here are three takeaways you can start doing today: Set Clear Financial Goals: Establish specific, attainable financial goals for the short term (e.g., the next week or month) to stay motivated.Create a Realistic Budget: Craft a budget that covers expenses, allows for savings, and provides a buffer for unexpected expenses. Evaluate spending habits and consider increasing income through methods like mystery shopping.Regularly Review and Adjust: Make budgeting a routine task, set aside time for regular reviews, and be flexible to adjust the budget as circumstances change.Practicing delayed gratification and discipline is essential for long-term financial success and suggests that it leads to more fulfilling and financially secure lives.You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Mystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

Ep #71: What if it was true, that you could have your cake and eat it too? What would it mean for you to enjoy the finer things in life WHILE still paying off debt?In this episode, you'll hear my personal journey of rediscovery, financial empowerment, and a unique approach to overcoming debt while living your dreams. My own story of how mystery shopping became the catalyst for transformation, even in the midst of debt.We are all familiar with the struggle of balancing the demands of everyday life while grappling with a mountain of student loans and credit card debt. Despite passion for dining out, traveling, and spending quality time with loved ones, debt seemed insurmountable. Options for indulging in the things I loved were limited, leading me to extreme frugality and unconventional money-saving methods.But then, a chance conversation with a colleague introduced me to the world of mystery shopping. It was a revelation - the opportunity to enjoy her favorite activities without the crippling cost. Through mystery shopping, I began to dine at high-end restaurants and experience luxurious outings, all while getting reimbursed for expenses. Even more thrilling, I could bring her husband and son along on these adventures.In this episode, you'll hear the true power of mystery shopping to manage your finances better. With the additional income from mystery shopping, she could tackle her debts systematically. By creating a detailed budget, it allowed me to enjoy life while also making significant strides toward debt freedom. Through patience and discipline, I resisted overspending, making mindful choices that aligned with her financial goals.As a result, my debt began to shrink, and financial freedom became a reality. In just one year, our family paid off a remarkable $41,000 of debt, all while enjoying the experiences we cherished. Mystery shopping not only provided financial relief but also opened doors to new adventures and introduced her to incredible people in the industry.If you're eager to learn more about accelerating your debt payoff journey while enjoying the things you love, I'd love to invited you to a free training session at www.budgetdivas.com/faster, providing invaluable insights and strategies for financial freedom without sacrificing your lifestyle.So, remember, it's never too late to rewrite your financial narrative and turn your dreams into reality.You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Mystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

Ep: #70: In this episode, we welcome communication and conflict resolution coach Vince Abramo. She is a brain health trainer working closely with Dr. Amen. Vince emphasizes a holistic approach to well-being, focusing on the complete picture of an individual, including diet, environment, and social interactions. Her approach extends to working with teams and organizations, emphasizing improved teamwork and interactions for enhanced performance.As we navigate our busy lives, Vince sheds light on managing negative thoughts, which can be triggered by various factors. She stresses the importance of recognizing that there's no universal "normal" and encourages embracing individual uniqueness. Negative thoughts often stem from past experiences or external influences, and Vince offers guidance on challenging and replacing these automatic negative thoughts, a process that can benefit from professional help.In the context of hectic routines, such as returning to school and work, Vince provides valuable insights on managing mental energy effectively: 1. Setting boundaries and time limits, especially for activities like excessive screen time or social media, can prevent mental exhaustion. 2. Finding sources of joy, laughter, and beauty in life is essential, as they boost serotonin and dopamine levels, promoting mental well-being. 3. The importance of avoiding significant decisions when fatigued and maintaining proper sleep patterns for optimal brain health.To learn more about brain health, listeners can take a free assessment test at brainhealthassessment.com. For information on Vince's services and workshops, visit her at https://www.bambooshoot.co/. This episode encourages prioritizing mental well-being and provides practical tips for maintaining a healthy brain. You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Mystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

Ep #69: In this podcast episode, we discuss the exciting world of mystery shopping and how it can be a rewarding opportunity for various individuals, including moms, dads, and military spouses. We highlight the financial benefits of mystery shopping, from saving money on everyday expenses to earning extra income. Listen in as Nadia shares personal experiences and tips to make the most of mystery shopping, including:Overcoming Fear of the Unknown: Don't be afraid of trying mystery shopping. The task is easy if you're observant and can write clearly. It's an opportunity that can fit a wide range of people.Starting Small and Local: Start with mystery shops close to your home to minimize expenses and make it convenient. Trying out shops nearby is a great way to get started without overcommitting.Focus on Similar Types of Shops: Choose a certain type of shop and do multiple of the same kind on the same day. This helps streamline the process as you become familiar with the requirements, making reporting more efficient.Mystery shopping can have a positive impact beyond personal gain. Nadia shares stories of how she's used her mystery shopping experiences to give back to her community by providing food to those in need and surprising hardworking individuals with gifts. Hear Nadia's advice to use mystery shopping as a flexible and rewarding side hustle. This episode highlights the practicality of mystery shopping and its potential to contribute to financial goals while making a positive impact on others' lives.You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Mystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

Ep: #68 Picture this: A world where your dreams of homeownership are no longer distant aspirations, where the car you've always wanted becomes an achievable reality, where unexpected financial emergencies don't send you into a spiral. This world is within reach, and it starts with understanding and improving your credit. In this episode of the Budget Divas podcast, Rhonda Alexander Monkres, the credit coach and owner of Kūpa'a Consulting Services, discusses the important topic of credit. Rhonda shares valuable insights and tips on maintaining, establishing, and improving credit scores.Rhonda introduces herself as a credit coach based in Maui, with a mission to help Hawai'i residents improve their credit scores and achieve their financial goals. She compares credit scores to adult report cards, ranging from 350 to 850, reflecting creditworthiness. Responsible credit use, keeping balances under control, making payments on time, and managing inquiries are essential practices for demonstrating creditworthiness.Rhonda emphasizes the significance of credit monitoring and explains the difference between FICO and Vantage credit scores. Monitoring credit helps detect unauthorized accounts due to identity theft, and Rhonda provides guidance on reporting and protecting against identity theft.Rhonda illustrates the substantial difference in interest rates for someone with a 500 credit score compared to someone with a 750-800 credit score when applying for loans, such as car loans and home loans. Rhonda offers actionable steps to improve credit, including maintaining low credit card balances, making timely payments, avoiding unnecessary credit inquiries, and becoming an authorized user on an account with excellent payment history.Rhonda's expertise sheds light on the crucial role of credit in financial stability and the steps individuals can take to manage their credit effectively. To learn more about Rhonda and get a free credit review, visit her website at https://kupaaconsulting.com/. You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Mystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

Ep: #67 In this solo episode, we'll be focusing on one of the biggest budget busters: the grocery budget. Many individuals and families struggle to balance their budget each month, and a significant portion of their expenses is often spent on food.Food is not only essential for nourishment and energy but also plays a significant social role in our lives. We celebrate special occasions, spend time with loved ones, and enjoy potluck dinners or eating out. However, overspending on food can hinder our ability to get out of debt and build wealth.In this episode, hear a powerful example of how using a debt snowball calculator to illustrate how paying extra towards credit card debt can drastically reduce the payoff time. To take control of the food budget and stop overspending, we discuss three key tips:Implement a cooking scheduleTake a monthly inventoryUse mystery shopping to save on foodThese changes will take time and practice, but they will eventually become habits that lead to positive changes in your time management and budget.Remember, one step at a time, you can take control of your food budget and improve your financial situation. Keep moving forward and taking positive actions on your journey to financial success. You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Mystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

Ep: #66 Do you remember when you were a child and had childlike faith and trusted that everything was going to be alright?  In today's podcast, my guest is Jimmy Yamada. Jimmy Yamada, Jr. is the chief executive officer at A-1 A-Lectrician, a third-generation electrical contracting firm started by his father in 1957 and now currently run by his son. He is the founding pastor of Cedar Assembly of God in Honolulu, Hawaii. He is the author of God's Hand in the Life of an Electrician, How to Thrive in an Economic Disaster, God's Hand in the Life of a Dreamer, and God's Hand in the Life of a Pastor.  Jimmy gives us insight on the blessings and miracles that unfold when we surrender our financial worries to God. From overcoming life and financial struggles to witnessing unexpected provisions and opportunities, Jimmy reminds us that God's wisdom and provision extend beyond what we can imagine. It's easy to find ourselves constantly worrying about money. Whether it's managing bills, meeting financial obligations, or striving for a secure future, the burden of financial stress can weigh heavily on our minds. By shifting our perspective and cultivating a deep trust in God, we can break free from the cycle of worry and experience true peace and contentment. Highlights from today's episode: 1. Reflect on God's Faithfulness:Take a moment to reflect on your past experiences and how God has faithfully provided for you. Recall instances where you thought there was no way out, only to witness miraculous solutions and unexpected blessings. 2. Develop a Gratitude Practice:Gratitude is a powerful antidote to worry. Cultivate a daily gratitude practice by listing three things you're thankful for each day. This simple exercise helps shift your focus from scarcity to abundance, reminding you of the countless blessings already present in your life.3. Seek Wisdom in Financial Matters:While we place our trust in God, it's essential to exercise wisdom in managing our finances. Create a budget that aligns with your income and expenses, and seek financial advice when necessary. 4. Surrender Control:One of the biggest barriers to trusting God with our finances is our desire to maintain control. However, true trust requires surrendering our need for control and recognizing that God is ultimately in control of our lives. 5. Embrace God's Promises:The Bible is filled with promises of God's provision and faithfulness. Spend time studying verses that speak to His care for His children, such as Matthew 6:25-34 and Philippians 4:19. Meditate on these promises, internalize them, and allow them to shape your mindset. 6. Engage in Generosity:Counterintuitively, practicing generosity can alleviate financial worries. When we give generously, we acknowledge that everything we have belongs to God, and we trust that He will continue to provide for our needs. Worrying about money can consume our thoughts and drain our energy, hindering our ability to live fully and embrace the present moment. By intentionally shifting our focus towards trust in God, we can experience freedom from financial worries. By reflecting on God's faithfulness, practicing gratitude, seeking wisdom, surrendering control, embracing His promises, and engaging in generosity, we open ourselves up to a deeper sense of peace and contentment. Trusting in God's divine provision allows us to release the burden of worry and live with confidence, knowing that He is faithful to provide for all our needs.Free On-Demand Mini Training: "Unveiling the Secrets: Master the Art of Mystery Shopping and Earn While You Shop!" Click here for the class: https://www.budgetdivas.com/mysterytraining.

Ep #65: What are some common money stories that we tell ourselves, and how can examining and reshaping these narratives lead to a healthier relationship with finances? To be able to let go of the weight of suppressed feelings and emotions, and fostering an environment where people can be authentic and shed the need for phony masks and walls, we can create a space where individuals can grow and thrive.In today's podcast, my guest is Peggy Easterling of the Mindset School. At the age of 8, Peggy became the victim of abuse by her grandfather. This led to a consistent state of fight or flight, wiring her brain in self-protection, and pushing away authentic relationships due to distrust. Although God used her to do some amazing things in her early life in spite of her skeletons, it was not until her 40s that Peggy became fed up with the fake, phony smile. With help, she finally unpacked and surrendered the basement of her heart to Christ, learned to smile from within, and have fun and enjoy life again. Peggy is making it her life's mission to help other women smile from the inside out. She wants to wrap loving arms around the child still balled up in darkness within women and show them they can have fun, be playful, and love to live again. She founded The Mindset School to forever be a student of renewing her mind the way God intended and to help others do the same.Highlights from this episode: Valuable insights, practical tips, and heartfelt encouragement as we explore the connection between our mindset, personal stories, and financial well-being. Reshaping your money story can pave the way for a brighter, more fulfilling future. How to smile from within and create a life where you thrive!Free On-Demand Mini Training: "Unveiling the Secrets: Master the Art of Mystery Shopping and Earn While You Shop!" Click here for the class: https://www.budgetdivas.com/mysterytraining.

Ep #64: Single mothers face unique challenges when it comes to managing finances while also juggling the responsibilities of raising children and pursuing dreams. In this week's podcast, Gail Clifford provides practical guidance, insightful interviews, and actionable tips specifically tailored to the needs of single moms.Gail became a single mom after losing her husband when her daughter was just a baby. She was determined to make the most of her financial resources and create a thriving life for herself and her daughter.Gail has spent the last 30+ years as a highly-paid Internal Medicine Hospitalist for hospitals across the midwest, Arizona, and Washington State and knows the ins and outs of the pain of being a single mom and balancing a crazy personal and professional schedule. I remember when I was a single mom. It was incredibly rewarding and challenging. And when you add budget constraints to the mix, it can sometimes feel like an uphill battle.Throughout this podcast, we'll be exploring a wide range of topics, all centered around managing your finances, stretching your dollar, and finding creative solutions to everyday challenges. We'll discuss practical strategies for budgeting, saving, and investing, as well as ways to maximize your income and tap into available resources. We'll dive deep into the emotional aspects of single parenting on a budget. We'll explore self-care, mental health, and building a strong support network that understands and embraces the unique journey you're on.    Free On-Demand Mini Training: "Unveiling the Secrets: Master the Art of Mystery Shopping and Earn While You Shop!" Click here for the class: https://www.budgetdivas.com/mysterytraining.

Ep #63 I'm excited for you to listen to a webinar that I recorded two weeks ago on how to get unstuck with your finances and how to stop pinching pennies without sacrificing your social life. This was part of a 5 day summit with other coaches to help us get unstuck with money, mindset, time management, and all that stuff that prevents us from living the life we want to curate for ourselves. This webinar got so much attention and positive feedback that I wanted to share it with you all on this podcast. Since this was a webinar there will be times when you'll hear me say that I'm sharing my screen but the information given has all of the content you need to get unstuck with your finances so you can start moving forward one step at a time. Please enjoy this webinar on how to get unstuck with your finances and stop pinching pennies without sacrificing your social life.  You will hear exactly how to change the narrative from “I can't afford it” to “How can I afford it”. You can use these techniques to get unstuck with the money stories that may keep you from moving forward with your financial goals in the next 3 – 6 months!You will learn how implementing side hustles can breakthrough the logjam of a scarcity mindset and turning it into an abundance mindsetIn fact, here's just a sample of what we covered on this breakthrough summit training:* How to identify the source of your stuckness * The reason why our personal God stories are so powerful * Easy ways to try something new to break out of a rut* The solution to break free from the chains of debt* Cool insights, tips, and tricks I've learned over the last year of implementing daily habitsYou get the basic FOUNDATIONS you need to get unstuck with money and finances!Get unstuck with money and achieve financial success!Free On-Demand Mini Training: "Unveiling the Secrets: Master the Art of Mystery Shopping and Earn While You Shop!" Click here for the class: https://www.budgetdivas.com/mysterytraining.

Ep #62: Medicare is an important program for money savings, as it provides access to affordable healthcare for seniors and people with disabilities. With healthcare costs continuing to rise, Medicare helps to offset these expenses and provides a safety net for those who would otherwise struggle to pay for necessary medical care. Medicare coverage includes hospitalization, physician services, and prescription drug coverage, among other things.In this episode, my guest is Christine Go from Insurance Options Hawaii. Christine has been in the Insurance industry for over 25 years.  She found her passion guiding Medicare beneficiaries through the complexities of Medicare since 2006. Christine is committed to helping those who are eligible for Medicare or retiring soon to understand their Medicare Health Plan options that are most beneficial for their needs.Takeaways from this episode: Medicare helps to save money is by providing preventative care services that can help identify and address health issues before they become more serious and require costly treatments. Medicare provides access to a broad range of medical providers and services, which helps to increase competition and drive down costs. Medicare is an essential program for ensuring access to quality healthcare for seniors and people with disabilities, while also helping to save money by providing preventative care, negotiating rates with providers and drug companies, and increasing competition in the healthcare market.To connect with Christine and her team, reach out to her at https://www.insuranceoptionshawaii.com/contact-us Feeling stuck?? I'd love to invite you to a FREE virtual UNSTUCK Summit April 30-May 4th that I'll be doing with a group of women. Each night, we'll have coaches sharing strategies and tools to get unstuck in a different area of your life. No matter where or how you're stuck we've got you covered. It's going to be a powerful week of finding freedom!! https://www.themindsetschool.net/unstuck

Ep #61: In today's podcast, we are talking about maximizing your compensation package. Whether you work for a small family-owned company or a big corporation, do you know what your employee benefits are and are you taking advantage of not only the wellness benefits but also enrolling in benefits that can save you money on taxes? In today's competitive job market, companies are recognizing the importance of offering comprehensive employee benefits packages as part of their overall compensation package. Employee benefits are non-wage compensation provided to employees in addition to their regular pay. They are designed to enhance the well-being, satisfaction, and productivity of employees. Today my guest is Mislyn Alensonorin of Vantaggio HR. She is the Manager of Hawaii Operations and Sr. HR Consultant She is responsible for providing human resource and management consulting to companies of all sizes. Some of Vantaggio's services include recruitment, compliance, employee handbooks, compensation, employee benefits, training and organizational development.Highlights from the show:Health Savings Account (HSA): Employees who are enrolled in high-deductible health plans can contribute pre-tax dollars to an HSA to pay for qualified medical expenses.Flexible Spending Account (FSA): FSAs allow employees to set aside pre-tax dollars to pay for eligible medical expenses or dependent care expenses.401(k) or other retirement plans: Contributions to retirement plans are generally tax-deductible for employees, and earnings on the contributions are tax-deferred until they are withdrawn.Employee discounts: Some employers offer tax-free employee discounts on products or services offered by the company.These are just a few examples of the many tax-saving benefits that employers can offer to their employees as part of their compensation package.After you listen to this podcast, don't forget to get a copy of your employee handbook from HR so you can review your benefits and make the necessary changes. To learn more about Vantaggio HR, click here: https://vantaggiohr.com/vhr-hawaii/ Feeling stuck?? I'd love to invite you to a FREE virtual UNSTUCK Summit April 30-May 4th that I'll be doing with a group of women. Each night, we'll have coaches sharing strategies and tools to get unstuck in a different area of your life. No matter where or how you're stuck we've got you covered. It's going to be a powerful week of finding freedom!! https://www.themindsetschool.net/unstuck

Ep #60: In the last episode, we talked about setting up the foundations for reconciling your budget and I would highly encourage you to listen to that episode then jump into this one. Reconciling my budget hasn't always been my strongpoint because it takes time to plan and to actually sit down, look at my receipts, and cross-check every dollar that was spent with my budget. Even though I've been doing this for years, it's still one more thing that I need to do on that never-ending to-do list. Last year was a really busy year for us. Alden and I were juggling our businesses, our 9-5 jobs, and picking up extra side hustle work where we could because we were saving for a bigger place. In the busyness of it all, some things that to give in order to make space for another. I heard this analogy from one of my coaches – it's like you have 16 pots and only 4 burners on the stove. You are trying to fit all 16 pots on the stove but there is no place for it, except for 4 of them. So you have to decide which 4 are going on the stove first, then second, and so on. And this is exactly what we were doing with our time last year. We were so busy with work that something had to give. And the #1 way that I ruin my budget is eating out. Can you relate to that? Even though we can't see each other, nod your head and smile if you can relate to this. I honestly love to eat out. Whether it's sushi, thai food, or a good steak…. Dining out at restaurants is my favorite way to reward myself but it's also my biggest budget buster AND last year because we were so busy, we were eating out all the time. Now, I am not opposed to eating out if it's in my budget and planned but last year (especially in the summer and during the holidays when my son was home from college) we ate out a lot. On top of that, we also bought a ton of groceries thinking that I would cook at home. It was definitely a double-whammy. So the extra side hustle money that we were earning to go towards our savings ended up going to our grocery and dining out categories. This is the reason why I'm so passionate about reconciling the budget. When you reconcile on a weekly basis, you know how much money have left to spend for the following week. If you're not one who loves to meal plan or eat the same thing everyday, adjust your budget accordingly to allow more money towards your dining out category, so as long as it is within the means of your budget. This is really where the magic happens when you reconcile your budget. You can evaluate your spending habits and see where exactly your money is being spent. Now that you understand why it's so important to reconcile your budget, here are the action steps to take to do exactly that so you'll always be living within your means, have savings tucked away for a rainy day, and be able to pay off debt faster than you can imagine. Feeling stuck?? I'd love to invite you to a FREE virtual UNSTUCK Summit April 30-May 4th that I'll be doing with a group of women. Each night, we'll have coaches sharing strategies and tools to get unstuck in a different area of your life. No matter where or how you're stuck we've got you covered. It's going to be a powerful week of finding freedom!! https://www.themindsetschool.net/unstuck

In this series we'll be talking about good old-fashioned money habits that we need to revisit from the generations before us. The same good old-fashioned money tips that our parents, grandparents, and even great-grandparents used in their everyday life. People want that magic pill that is going to take away all their problems. But let's be honest here. Imagine for a second, someone that is not very good at money and they were given $50,000 to pay off their credit cards. And lets just say they did – they actually deposited that check, went online to pay off that bill, and was now completely debt-free. Now, this person has a pretty decent income but has not learned how to manage their money correctly. In your opinion, do you think that person will be back into debt in the near future? If you answered yes, I completely agree with you. It's interesting because when I hear stories on social media, the first thing that comes to mind is “if only there was a magic wand that could completely wipe out my debt, I'd have a clean slate and I'd be better off.” But most times, that is not the case at all. Think about this for a second. There are so many diet fads out there that promote this magic pill that will instantly help you to lose weight, curb your appetite, and make you eat less. these diets may lead to rapid weight loss in the short term, they are not sustainable over the long term. But what happens once they stop taking that magic pill? Many people end up going back to their previous eating habits once they stop following the diet, which can cause them to regain the weight they lost or even gain more weight than before. We hear stories like this ALL the time and that's why they call it fad dieting.When I talk to people and ask them what keeps them up at night, the most common response I hear is -  My spouse/partner and I make a really good income but we don't know where our money is going. It seems like money comes into the account and goes right back out and we don't have any money until the next paycheck. The short answer is the fortune is in the follow-up. This term is widely used in business but has the same effect when we apply it to money habits. If you create a budget and don't look at it again until the next month, that budget is no good to you at all. You are pretty much left with a pretty template that you downloaded online with your budgeted numbers in it. The first habit to becoming good with money is to reconcile your budget. Reconciling your budget involves comparing your actual income and expenses to the budget that you have set for yourself, identifying any discrepancies, and adjusting your spending or saving habits accordingly. I'm going to give you three easy steps you can do right now: 1) Pick a day and time that you will reconcile your budget2) Dedicate a space for your monthly receipts3) Go through your receipts and only keep the current month's personal spending receipts in that dedicated space Stay tuned because in the next podcast, I'm going to tell you step-by-step on how to reconcile your budget so that you can get it down to one hour per week. Until next time, keep moving forward one step at a time.   If you want tips on how to improve your finances this year, you can grab my free guide at https://www.budgetdivas.com/fivesteps.

Ep #58 When presented with legal papers or documents, you often need a notary. But have you ever thought about what precisely a notary is and what it is that they do?Mobile notaries are in high demand and can earn a good income by offering their services. It can start off as a lucrative side hustle to earn extra income on the side to becoming a full-time job! In this podcast, we're having a discussion with Janae Blatch of Florida Academy of Notaries. Janae is a fun, faith-filled educator who loves teaching and being a Notary Public. She enjoys helping others learn and grow. Her background in mental health counseling and education has perfectly prepared her for this task.Passionate about helping others enjoy financial freedom, Janae is here to equip Notaries to deliver exceptional service, every time!While running a successful Notary business, alongside her husband of more than 10 years, David Blatch, Janae places priority on raising their three children which was the catalyst for her starting in this industry. Main takeaways from this podcast:1. How to get started as a mobile notary2. How to grow your book of business with real estate agents, title officers, and mortgage professionals3. How this can start as a side hustle and becoming a full-time careerTo connect with Janae, check out her links below: Email: support@flacademyofnotaries.comInstagram: janae _blatchWebsite: www.flacademyofnotaries.comIf you want tips on how to improve your finances this year, you can grab my free guide at https://www.budgetdivas.com/fivesteps.

Ep #57 Are you planning to travel this summer? Have you considered traveling in an RV? RV travel can be a fun and exciting way to explore new places and experience the great outdoors. In this week's podcast, Christine Swartz of RV Mama of 4 explains how to start RV'ing in style while on a budget. Christine's goal is to help you gain the confidence, knowledge, and skills needed to purchase, drive, and set up your RV from start to finish. She wants you to create the life you desire by connecting with nature, spending quality time with your kids or pets without the distractions of a busy life, and engaging in sight-seeing and activities you don't normally have the opportunity to do!  Main takeaways from this episode: Flexibility and FreedomComfort and ConvenienceBonding with NatureCommunityTo learn more about RV'ing, connect with her here:You can get my Ultimate Guide to RVing Solo or with Your Kids at https://www.rvmamaof4.com/RVingSoloWebsite:  https://www.rvmamaof4.comYou can join my RV Mama of 4 Facebook group at www.facebook.com/groups/RVMamaof4In the RV Mama of 4 Adventure & Community, you will receive the coaching and community you need to get out there and experience the beauty of the outdoors in a unique way...in an RV…so you too can make memories that last a lifetime, one mile at a time.If you want tips on how to improve your finances this year, you can grab my free guide at https://www.budgetdivas.com/fivesteps.

 Ep #56  Have you ever felt frustrated with your budget? Frustrated that …  …there's not even enough money to pay the bills each month…money runs out as soon as payday hits …you feel you are spinning your wheels trying to make more money each month with little to no progress When we first started our debt-free journey, this was a frustration that would run through my mind daily. It seemed like no matter how hard we worked, there wasn't enough money to last the entire month. I was afraid to open the mailbox and see the stack of bills in it, and it seemed like Dooms Day was everyday. There were more stressed out days than there were happy days. Even though we tried as hard as we could to hustle our way out of debt, we ended up feeling frustrated, depleted, and sick to our stomach because the debt wasn't going down fast enough. Whenever I rush the process on anything I do, it always ends up being a bad decision. There are only so many hours in the day and trying to cram everything in a short amount of time usually means sleepless nights, multi-tasking without getting anything done, and more ugly crying nights than anything else. You know that ugly cry where you cry your eyes out and can't even breathe. Can you relate to that? If you've ever felt like your heart is racing all the time, stressed over money woes, and all you want to do is close your eyes and hope that it all goes away, there is a money challenge that works every single time to recalibrate my mind and my spirit. Whenever I do this challenge, I feel more relaxed as it forces me to slow down and it's like a detox that is getting rid of the toxic thoughts in my head that causes me to feel frustrated with money. And that challenge is a no spend challenge. What exactly is a no spend challenge? It is a personal challenge in which you set a goal to not spending money on non-essential items within a certain time period. The goal of the challenge usually targets areas to reduce unnecessary expenses, increase savings, and improve financial health.During this challenge, you set your own rules so that it's meaningful to you. Some of our goals for our no spend challenge - Spending money on essential bills - housing, utilities, and transportationAvoiding non-essential purchases -  clothes, electronics, and entertainmentUsing up items that have already been purchased before buying more – groceries, toiletries, personal items Looking free or low-cost alternatives for leisure activitiesWhether you decide to do it on a weekend, 7 days or even for an entire month, the transformation coming out of it will be so powerful. I'm cheering you on friend. You got this. You may feel frustrated now but I know that it's only for a season, and this season won't last forever. If you want tips on how to improve your finances this year, you can grab my free guide at https://www.budgetdivas.com/fivesteps.

Ep #55: In this episode, let's talk about making a plan for our savings goals. Now if you are starting to cringe because savings is not your love language, I totally hear you. Spending money is much more fun than putting my hard earned money into a savings account and letting it sit there. In fact, if you were to give me $100 right now and give me a choice to deposit it into my bank or spend the entire $100 at Target, I would 100% go to Target and happily spend it. We all know that savings is definitely an important part of our financial journey so on today's podcast, I want to give you some tips on how you can put those savings to good use in 2023. What I wanted to talk about today is planning your savings for the entire year. The reason to do this is because it will allow to slowly save a certain amount of money every single month for important life events that happen in the year. For example – birthdays, anniversaries, school uniforms and supplies, family trips, Christmas and so on. Not only does this eliminate the stress of having to come up with the money the month of or the month before the event happens but because you have already budgeted and planned ahead for that money, it will be guilt-free. When we started implementing this strategy, it was a game changer for our budget. We no longer felt money stressed during the holidays because we knew we had the money saved in the account. It eliminated the money fights and we actually looked forward to the events instead of cringing because we had to put it on our already maxed out credit card and pray that the credit card company would push the transaction through. It made us excited to take that saved money out of the bank account and freely spend it however we chose. So I want to give you four tips on how you can implement this strategy into your budget without breaking the bank.  The 4 things you need to do to plan your yearly savings goals: 1.       Make a list of all the events happening throughout the year2.       Give each event a set amount that fits within your budget (and just know that you can always increase the amount if you make more money)3.       Add the total for each month and then the yearly total so you'll know how much you need to put away each month4.       Store it in a bank account that is separate from your main checking and savings account. This will help you to treat it like a bill and you won't be tempted to dip into that account.  That wraps up this episode for our Back to Basics Money Series. Also if you want tips on how to improve your finances this year, you can grab my free guide at https://www.budgetdivas.com/fivesteps. It will outline the tips we have covered in our Back to Basics Money Series plus give you quick action steps that you can start doing right now. If you have enjoyed this episode, would you be so kind and leave a review on Apple Podcasts? I'd love to hear from you. Until next time, keep moving forward one step at a time. If you want tips on how to improve your finances this year, you can grab my free guide at https://www.budgetdivas.com/fivesteps.

Ep #54: How do you know God's calling for your life?Have you ever struggled with this question? Is God calling you to step out of your comfort zone and into ministry? In this episode of the Budget Divas podcast, my guest is Francine Ivey.  Francine Ivey is an Executive Coach and Founder of Consumed Coaching, LLC. She helps entrepreneurs, coaches, and influencers grow in their personal and professional lives through her faith-based coaching program. Francine is certified as a Master Level Life Coach with International Christian Coach Institute, Sales and Leadership Coach, and Coach, Speaker, and Trainer for the John Maxwell Team. She is a powerful speaker who challenges her audiences to believe bigger and to walk in confidence. She has coached individuals in many industries and Fortune 500 companies, as well as boutique companies and non-profit organizations. Her clients appreciate her ability to cut through the noise and help them focus on what is most important to them. Top 5 takeaways from this episode:How to let the Holy Spirit lead you into finding your spiritual giftsWhen God turns the unimaginable into a beautiful love storyWhat it means to be a Kingdom CoachOvercoming self-sabotage, negative thinking, limited beliefsQuestions to ask yourself before becoming a coachTo learn more about Francine, visit her podcast and website here:Consumed Coaching Website: https://www.consumedcoaching.com/Book a FREE call with Francine: https://www.consumedcoaching.com/site/contact Calling Over Comfort Podcast: https://podcasts.apple.com/us/podcast/calling-over-comfort-with-francine-ivey/id1589661975If you want tips on how to improve your finances this year, you can grab my free guide at https://www.budgetdivas.com/fivesteps.

Ep #54 How to live on a budget without going scorched earth. If you haven't heard of this term before, basically it means to remove all discretionary spending from your budget. So think of it as the only things in your budget are the money to support your four walls – shelter/utilities, food, transportation, and necessary clothing. So this means getting rid of all the extra spending in your budget – cable, dining out, any subscriptions, gym memberships, lattes, and anything else that would be considered as a non-essential expense. So we did this in the first 2 years of our debt-free journey. I was OBSESSED with finding every article and YouTube video that I could on how to live on practically nothing. In the first few months of doing this, it was kind of fun because it was like a challenge. Like oooh let's see how many days I can go without spending any money. And I would read all of these articles and watch these You Tube videos of how people were walking to work, DIY'ing everything they could, learning how to cook recipes from their kitchen inventory, making their own laundry soap, and so forth. But as time went on, what happened is that my family and I were just miserable. I would feel so guilty everytime we left the house to do something fun because that meant using gas and spending money on going out to eat when I knew that the money should be going to our debt instead. It was only in that third year of our debt-free journey that I started to turn things upside down and that's when life got really fun and I started to actually enjoy the debt-free journey instead of frantically wanting to be at the finish line. The end result was that we made so much progress in that third year of our debt-free journey, to the tune of paying off $41k in 12 months. So in today's episode, I want to give you some tips on how you can also pay off a lot of debt but also enjoy the journey along the way. We're always in such a rush to get to the finish line that we forget to be present and enjoy what's happening around us. 1.       The first tip is to make a list of what you want to keep in your budget. Most people start working on their budget the opposite way. They start slashing their budget to practically nothing only to burn out in the end. 2.       Cut out everything else in your budget that is no longer a necessity or is draining your budget3.       The last tip to living on a budget without going on a scorched earth budget is to find a side hustle that you love to increase your income. For us, it was mystery shopping. We wanted to find a way to have our cake and eat it too and mystery shopping allowed us to enjoy the debt-free journey. In that third year of our journey we discovered how we could get paid to shop and reimbursed for our purchases. If you're interested in learning more, you can access the free on-demand training at https://www.budgetdivas.com/mysterytraining. This is a mini training that is an introduction to the mystery shopping course that I've put together if you'd like to become mystery shopper.  If you have enjoyed this episode and are getting value from the Budget Divas podcast, I would so appreciate if you left a review to let me know that you're enjoying the show and also share this episode with someone who can benefit from these tips. Mistakes in your financial past? Don't let them affect your future any longer. This free budgeting template will help you get your finances back on track so you can keep more money in your wallet and finally live the life of financial freedom you've always dreamed of. Grab your free template here: https://www.budgetdivas.com/budgeting-template

Ep: 52 January is my favorite month of the year because it means new beginnings and fresh new ideas. It's a time when I don't reflect on what I didn't accomplish in the previous year, but rather, focusing on what I do want to accomplish in the current year. The same goes for budgeting. So in today's podcast, we're going to talk about the budgeting basics – from creating your budget to streamlining the process so that you'll actually stick with it instead of wanting to throw it out the window. The first tip is to get organized with your finances. 1.       Gather your documents The very first step to creating your budget is to get your income and expenses statements. This may mean logging on to your employer's website and printing out your paystubs, rummaging through your drawer for those documents or if you are self-employed looking through your client invoices to see what you got paid. If you have an inconsistent income, I recommend printing out at least 3 months worth of statements so  you can get a good idea of the average amount you bring in every month. Then you'll want to gather all  of your expense statements. So this means any bills that you pay for each month. To make this a little easier, start with monthly fixed expenses. So this means rent/mortgage, household utilities, internet/cable, daycare, car payment, and anything else that you absolutely have to pay for to run your household. Next, grab your bank and credit card statements. I highly recommend printing these out and keeping it in a folder because in the next few podcasts, we'll talk about how we are going to analyze these documents. 2.       Write it all down Everyone has their own budgeting style preference – whether you like pen/paper, spreadsheets, or apps. But if you're doing a budget for the first time, I highly recommend just getting a sheet of paper and writing it down. This will make it so much easier plus you can keep adding to that list as you find more income or expenses when you go through your paperwork. Once you have it all down, then you can decide if you want to use a budgeting template, spreadsheet, or an app. I also have a free budgeting template that you can grab for yourself and you can access it at https://www.budgetdivas.com/budgeting-template.  3.       Automate your bill payments When we first starting getting our finances organized and started budgeting, I noticed the fees I was paying for late payments.You can also automate your bills for your utilities. Most companies won't charge a fee if you're debiting it from your checking account and some companies don't even charge a fee for using for your card. The main thing is to automate as much as possible so you're not having to worry about incurring late payment fees and it doesn't hurt your credit history. Mistakes in your financial past? Don't let them affect your future any longer. This free budgeting template will help you get your finances back on track so you can keep more money in your wallet and finally live the life of financial freedom you've always dreamed of. Grab your free template here: https://www.budgetdivas.com/budgeting-template

How do we let go of past hurts that keep us from moving into the role we were meant to play? In today's podcast, my guest is Bridget Lynch.  After overcoming fears and anxieties from trauma and abuse, Bridget wants to help you do the same. We are not what happened to us, we are daughters of the King of kings. We are chosen, called, accepted, beloved, cherished, loved, equipped, and so much more! You don't have to walk alone through your healing journey when you join a community of women. You get to come together in a safe and secure place, receiving the prayers and support you need as you heal. It took Bridget years to heal from her past, and she wants you to know that it's ok if it takes you that long too. Healing is a process, and it doesn't happen overnight. She will come alongside you to help you find your identity in Christ and see who you truly are - healed and whole in Christ!To learn more about Bridget, visit her website: https://www.inthelightcoach.live/ Interested in making money as a mystery shopper? Get access to the FREE training here: https://www.budgetdivas.com/mysterytraining

Ep #50: Are you ready to finally start that business you've been thinking about?In this episode, my guest is Nichole Mengiles of The Stim Clinic. This episode is filled with great tips to stop overthinking when starting a business, start taking action on that side hustle turned into full time business, and overcoming mindset obstacles that will stop you from pushing through. When you change your mindset, you can change your life. Your mindset is the difference between those who succeed and those who don't.When you are serious about success in your professional and personal life, mastering your mindset is a must. By changing your thinking, you can change your actions because more action means more chances of success.As you change your mindset, you change your behavior. When you say that you can't, you won't succeed. Imagine what you can achieve, and the results will follow.Takeaways from the show: Defining your purpose in lifeCreating success because it doesn't just happenChoosing to be positive every day and have a good attitudeFocusing on others and not your own thoughtsBuilding grit in your lifeBuilding a business from nothing to a million dollarsThe Stim Clinic has helped over 3,500 families.  They work with massage therapists, chiropractors, physical therapists, nonprofits, and military personnel.There's help if you are suffering from back pain, sore muscles, stiff neck, or stress. The portable, compact, and rechargeable devices interrupt pain signals to the brain, stimulating & relaxing the muscles through safe electrical charges to the pain area.To learn more, visit their website: https://www.thestimclinic.com/ Interested in making money as a mystery shopper? Get access to the FREE training here: https://www.budgetdivas.com/mysterytrainingInterested in making money as a mystery shopper? Get access to the FREE training here: https://www.budgetdivas.com/mysterytraining

Ep #49: For most, the holiday season is filled with joy and happiness. But for others, it may be associated with negative memories such as tragedy, grief, and loss. This episode, we're diving into how to deal with negative emotions and find healing despite hardships.The healing journey is a process that consists of actions you take to let go. Kate explains how to embrace things that empower you. The paths you take after the trauma, the goals you set to keep moving forward, and life experiences that you create during the journey — their impact is part of the process of healing.Kate Conwell is the founder of the Journey Beyond Betrayal—an online membership community that exists to ENCOURAGE, EDUCATE, EQUIP and EMPOWER women as they walk through the pain of marital infidelity and find healing.  Kate launched the community out of her own story of overcoming the pain of infidelity five years into marriage—turning her deepest pain into a God given purpose.  Kate's husband also pursued his own healing, and through God's redeeming power they have now been married for 15 years!  Together they have two energetic and athletic boys—who she cheers on at whatever sporting event the season brings!To learn more about the Journey Beyond Betrayal Community and get 5 Tips to Move from Hurting to Hope visit: https://www.journeybeyondbetrayal.com/FREEBIE Website: https://www.journeybeyondbetrayal.com Instagram: @journeybeyondbetrayalFacebook: https://www.facebook.com/journeybeyondbetrayal/Interested in making money as a mystery shopper? Get access to the FREE training here: https://www.budgetdivas.com/mysterytraining

Ep# 48 Are you ready to become a homeowner in 2023?In this episode, my guest is Brad Shinagawa of B&B Mortgage Solutions. This episode is filled with great tips on how to start planning for pre-approval, getting your credit right, and mindset solutions to get you in the right headspace to be able to take on a mortgage. Takeaways from the show: How to budget for the mortgage payment What you need to know to get pre-approvedEstablishing a strong and honest relationship with your mortgage officerEstablished in 2007, B&B Mortgage Solutions opened in the heart of the largest mortgage and real estate meltdown ever seen.  Through their local values and exceptional reputation, B&B was not only able to survive, but flourish.Through the ever changing lending environment and the mortgage industry thriving again, B&B Mortgage has been repeatedly recognized as one of Hawaii's top Mortgage companies.  That, largely due to them following their motto of treating every client as if, “was my aunty.”Through listening to their clients' needs and educating them on the lending process, the licensed professionals at B&B Mortgage will tailor the most suitable, and often times “Out of the Box,” financing structure.  So, whether buying your first home or refinancing your tenth home, The B & B Team will find the right loan for you through the variety of home loan products available to them.To learn more, visit their website: https://www.bbmortgagehawaii.com/ Interested in making money as a mystery shopper? Get access to the FREE training here: https://www.budgetdivas.com/mysterytraining

Ep #47 Do you want to kickstart your career into high gear in 2023? Do you want to ensure you stand out from the rest of the crowd? If you said yes to any of these questions, here's the most important question. Do you know how to properly brand yourself? When you get clarity and can articulate your personal brand, you can make sure everything you say matches what you want to be known for.   In today's episode, my guest is Patricia Ortega. Patricia is a career coach and is also the host of The Uncommon Career Podcast. Patricia uses her master's level training and decades of experience to help faith-based professionals find and follow their calling, overcome challenges, and land fulfilling, well paid positions. She was nudged by Christ's faithfulness to her own calling, and quit a 6-figure position to start this faith-based company, coaching others to walk out their career God story.To learn more about Patricia Ortega, visit her links below:Website:  https://www.theuncommoncareer.com/ Link Tree (for mobile): https://www.theuncommoncareer.com/LiB The Uncommon Career Podcast homepage: https://theuncommoncareerpodcast.podbean.com/ Interested in making money as a mystery shopper? Get access to the FREE training here: https://www.budgetdivas.com/mysterytraining

Ep #46 When was the last time you reviewed your insurance coverages to make sure you are properly protected? Your insurance company may not know about any life changes happening in your life such as getting married, having a baby, moving to a new area, or changing jobs. It's always a good idea to review your coverage with your current provider or shop around to see if you can get a better rate with the exact coverage you need. Having an unbiased resource that can review your policy and make sound recommendations based on your needs is like talking to a mentor who can give you professional advice. Working with agency means they work for you, not the insurance company – giving you the power of choice.Mallorie is an Associate Account Executive at Atlas Insurance Agency, Inc.  Born and raised in Hawai'i, she earned her Bachelor of Arts in Psychology from the University of Hawai'i at Mānoa. Mallorie has been in the Property & Casualty Insurance Industry since 2013 and holds the Chartered Property Casualty Underwriter (CPCU) designation. She works with clients to customize an insurance plan that best fits their needs.Since 1929, Atlas Insurance Agency has been providing property and casualty insurance solutions for the people and businesses of Hawai'i. Atlas is currently the oldest and largest insurance agency in the State, taking pride in giving the best service, the best coverages and the best rates possible.To learn more, check out Atlas Insurance here: https://www.atlasinsurance.com/Interested in making money as a mystery shopper? Get access to the FREE training here: https://www.budgetdivas.com/mysterytraining

Ep #45 In today's podcast, we're talking about how to get scrappy with side hustles. Whether you are trying to find time to work on your passion project while juggling your 9-5 job or looking for ways to earn extra income to pay down debt, there are ALWAYS ways to make extra income. This is one of my FAVORITE podcasts because we talk all about mindset, time management, motivation, and inspiration. Today's guest is Cesar Tauyan. Cesar is the grownup kid who struggles with adulting. At a young age he realized his education and upbringing did not prepare him for real life, which is the system of going to college, working a job you hate for the rest of your life, drowning in debt, and feeling unfulfilled. He discovered side hustles and passion projects as a way to separate himself from the system and live life to its fullest. Cesar grew up a military brat. He now lives on Oahu with his wife and kids. He loves playing the piano, watching combat sports, and morning coffee chats with his wife.Your passion project could be a side gig that you want to eventually turn into a full-time business. It is something that makes you feel invigorated, happy, and sparks joy in your life. "Getting Scrappy" means finding creative side hustles to fund your passion project. This may mean cutting the neighbor's grass, running errands for other people, freelancing on Fiverr, etc. Listen in as we discuss the importance of starting a passion project and why you need to start one today!   Interested in making money as a mystery shopper? Get access to the FREE training here: https://www.budgetdivas.com/mysterytraining

Ep #44 In today's podcast, we are talking about how stress affects not only our physical and mental health but also our financial health. As we are approaching the holiday season, there may be things that are stressing us out – family, travel, money, and juggling so many priorities. In today's podcast, my guest is Jedd Ramos. Jedd is the Founder, Visionary Leader & Owner of KaiZen FITNESS.  He is a certified, educated and experienced fitness professional that specializes in life-changing fitness that creates limitless transformations. Jedd synergistically fuses modern science with ancestral wisdom.  With over 12 years of experience within the health, fitness and wellness fields, Jedd utilizes scientific, evidence-based methods to holistically serve each client in mind, body, spirit, heart and soul, so that his clients live a more healthy, fulfilling quality of life.To learn more about Jedd and his services, check out his links below: Email: Kaizen.ESS@gmail.com https://kaizen-ess.weebly.com/https://linktr.ee/kaizen.fitness https://www.facebook.com/jedd.ramos.45/ https://www.instagram.com/saiyajin_son_goku/Interested in making money as a mystery shopper? Get access to the FREE training here: https://www.budgetdivas.com/mysterytraining

Ep #43How would your life change if you had thousands of dollars extra in your bank account each month? What if it was to the tune of $15,000 per month? In this episode, Skye Andrade explains how you can make money with Turo. What it is, how to start, and how much money you can make per month. This episode will inspire you to take action and consider Turo as a side hustle. Main takeaways:1. Creating your listing2. Making your listing stand out from the rest3. Outlining the process4. Starting a fleet5. How much you can earn with Turo6. Tips and Tricks Skye is a wife, mom, and has two fur babies. She is a 101 Financial consultant, a flight attendant with Alaska Airlines, and is also a licensed realtor in California and Hawaii. Her burning desire is to to leave a legacy of generational wealth so her family can have the means to impact the community, their friends, and family in a positive way. Her key to success is to stay loyal and connected, be down to earth and consistent, and HAVE FUN AND LAUGH OFTEN!  Learn more at https://turo.com/. To learn more about Skye Andrade, check out her link here: http://instructors.101financial.com/skye101Interested in making money as a mystery shopper? Get access to the FREE training here: https://www.budgetdivas.com/mysterytraining

When Diana Gremillion lost her hair and her chef career due to burnout, she decided to follow her dreams, quit her 9-5, and move to Hawai'i to start her own business. As a chef, international speaker, serial entrepreneur, and 9/11 survivor, Diana loves helping people heal their past and achieve post-traumatic growth, so they can build their dream future. In the words of Lisa Nichols, Diana's dynamic stories and insights are "food to my soul."To learn more about Diana, visit her website at https://www.dianagremillion.com/Interested in making money as a mystery shopper? Get access to the FREE training here: https://www.budgetdivas.com/mysterytraining

When you think about your relationship with money, does it produce positive or negative thoughts? In this episode, my guest is Jennifer Constantino of Infinite Ascension. Jennifer has been in the health and wellness field for over 17 years.  Her health philosophy is all about aligning your physical body with your mental, spiritual and emotional bodies for higher vibrational living.  She started out as a massage therapist and in the past 3 years, she has really tapped into energy healing because she finds that her method of healing is a lot more powerful than a private massage session.  As a massage therapist, she sees a lot of people with chronic pain and issues.  Because of her intuitiveness, she realized that a client's emotional health has a direct influence on your physical health and when emotional trauma is left untreated, it manifests itself into physical pain.  Having gone through her own spiritual awakening and journeying through one of the toughest year of her life, it had forced her to take responsibility of her actions and really take inventory of what she was going through and make that commitment to create a different life where her past no longer had power over her. Here at Budget Divas, because we are learning to master our finances, I come across people who have money blocks.  Let's find out more about healing surrounding money blocks with Jennifer Constantino.  She has an upcoming class called Abundance Alignment that you can register for on her website at www.infiniteascensionllc.com specifically on beliefs surrounding money blocks, success and wealth.  You can also book a discovery call with her. 

In this episode, I wanted to talk about our debt free journey. It was seven years ago, officially that we started our debt free journey. In 2016 when I had changed jobs, I was just done with being sick and tired of being sick and tired. And so my husband and I were really determined to stick to the plan, and we went hard. We decided we were gonna do a "rice in beans, beans and rice: diet, if you're familiar with that term.We didn't go on vacations. We hardly ever ate out. We basically just lived under a rock. We love Dave Ramsey and his Financial Peace University. His plan works for most people, but the way that we did it was we did it really, really hard. We did it in a way that we sacrificed so much that we were just not having fun anymore, even to the point where our friends and our family were asking us if we were okay. I really had to change my mindset about money and also my habits. My husband and I sat down together and we decided we were going to find creative ways to have a life and still get out of a lot of debt. In 2019, we were able to pay off $41,000 in 12 months, and that's what today's podcast is all about. It's all about the mindset shifts that we have to go through, the habits that we had to change. And so I'm so happy that you're here today because this podcast is going to get real. It's going to be raw, and I'll tell you the five main things we did to pay off $41,000 in one year.Interested in making money as a mystery shopper? Get access to the FREE training here: https://www.budgetdivas.com/mysterytraining 

Ep #39 In this episode of the Budget Divas podcast, my guest is Brandy Shumate. Brandy is an Account Queen and handles bookkeeping and financial advisory services. Brandy graduated with an accounting degree and has continued her education by taking bookkeeping and financial advisory courses over the years since college. If you work in the gig industry or have a side hustle, you will love this episode. In this episode, you will learn:valuable tips on how to keep personal and business expenses separatehow to stay organized with business receiptstips on tax write offs that are legal with the IRShow to create good recordkeeping habitswhat to look for when outsourcing bookkeeping tasksBrandy loves  slaying all of your bookkeeping dragons! Account Queen provides a professional, prompt, and accurate financial reporting service all while building a relationship that goes beyond just keeping your books. Some of their add on services include payroll, inventory management, sales tax, weekly AP management, and tax services starting January 2023.To learn more about Brandy's services, visit her website at https://www.accountqueennow.com for more information and to schedule a free consultation meeting. 

Ep #38 This week's podcast guest is Kate Conwell.  As a family of four, Kate and her husband love their family, love their friends, and love Jesus.  They are both graduates from the University of Washington, where they competed in track and field, and studied business and geography.  They enjoy traveling and utilize Airbnb as hosts and guests to make that happen!A host can rent out an entire house, room, apartment, or even a shed on the property that's suitable for travelers that are passing through or want a cozy or unique vacation rental. In this episode, Kate discusses things to consider before hosting such as how much you can earn, understanding the costs of hosting an Airbnb, and setting your own rules and expectations. If you've ever wondered what it take to become an Airbnb host and how much you can earn, listen in as Kate covers all of those questions! To learn more about Kate Conwell's listing, visit this link:  https://www.airbnb.com/users/show/40744023 Want to try out hosting? Air BnB has a great referral program for hosts! Check out Kate's referral link below:  www.airbnb.com/r/williamc503

Now that summer is long gone and the fall season is kicking in, what does your after-summer September reset look like?Before the year ends, September and October are two perfect months to perform a reset of your goals and start thinking about what you wish to accomplish before the holidays come. Here are three tips to crushing your end-of-the-year financial goals! 1. What fills your joy tank? In other words, what are things in your life that bring you joy? For example, it could be that cup of coffee that you get from your favorite local coffee shop in the morning. I always hate it when financial advisors say, "If you wanna be rich, don't spend money on frivolous things like a $7 latte. Drink coffee at home." But what if that latte brings you joy? Or alternatively, what if visiting your favorite cafe and working or studying there for an hour or two is what brings you energy? Why would you want to take that away from yourself?  As a real-life example, someone I was talking to mentioned that she's never gotten her nails done, but would like to accommodate and make room for that in her budget. So she did just that-- allocated enough money in her budget that she could get her nails done every few weeks. And it brings her joy every single time. Therefore, make a list of things that you would like to keep in your budget that keeps you motivated towards your goals. These don't have to be daily or even monthly things, but could rather be one-time short-term or long-term goals, like a vacation, new kitchen appliance, or even a new electronic!2. What doesn't serve you anymore? This next step is to ultimately do a budget audit-- essentially, what are some things in your budget that just simply doesn't bring you joy anymore, and therefore you no longer use or need?Another real-life example, someone I spoke with told me how he canceled his DVR subscription which was about a little more than $200 per month, and he wasn't using it anymore. Therefore, he canceled his subscription and ultimately followed tip #1, and used that money to fund a hobby he genuinely enjoyed, like golfing!In practice, this could be cancelling your gym membership that you barely use anymore, and utilizing your free time to go outside and exercise by hiking, running, swimming, or simply walking your dog.Just open your bank account and make a list of things that are coming out automatically out of your budget that no longer are useful to you. And then with that money, you can decide how that money will go to paying any debt payments and to something that fuels your joy tank. 3. Find an accountability partner. It is so important to choose and to be selective of who your accountability partner is. Choose only a person that has your best interests at heart. Then, when you find that person, be sure to be transparent; tell them what's going on, the struggles that you're going through, your goals for the future, your wins, and most importantly, what they can do to encourage you.My accountability partner is my husband, Alden. He's my encourager, the one who's constantly telling me and reminding me why I started budget divas in the first place. There are times when things get hard and maybe a launch didn't go as exactly as I planned. And some days I think that it might be easier if I just focused on my nine-to-five instead of my business, but then he reels me back in by telling me, "you have to remember why you started this in the first place. You started it because you wanted to change lives."Another one of my accountability partners is my son, Brandon. He is my structured accountability partner. He's the one who pushes me and who tells me, "Mom, you need to do this. You said that you're going to accomplish this goal by this date." 

Ep #36 Have you ever worked really hard at work to get a promotion or raise just to go unnoticed and overlooked? This can be the worst feeling ever and often discourage many people from putting in more effort in the future. Oftentimes, going the extra mile is not enough—in order to truly stand out, it feels like we have to go another extra nine miles.Oftentimes, going the extra mile is not enough—in order to truly stand out, it feels like we have to go another extra nine miles.But this doesn't have to be the case—rather, you need a strategic plan to increase your likelihood of getting noticed at work (and no, it doesn't include doubling down and taking on more work than you can handle). This week on the Budget Divas podcast, my guest is Steven Foust of NCO Success Academy. Steven served 13-years on active duty in the United States Army. After leaving the active service, he joined the United States Army Reserve and completed an additional 8 years in multiple leadership roles before retiring from the Army with more than 20-years of total service.In this episode, Steven shares his strategy tips on how to get noticed at work. Main takeaways: making sure that you have meaningful 1-on-1's with your supervisor, creating important connections with them, and being intentional of what you ask of your supervisor regarding performance evaluations, room for improvement, and showing your commitment.To learn more about Steven, visit his website at https://www.ncoonfire.com/

Ep #35 You've probably heard the old saying,  “How do you eat an elephant? One bite at a time!”One of the main reasons people don't finish big tasks is not due to laziness. It's not that they don't have the desire or the willpower either. Many times it comes from self-doubt and feeling overwhelmed by a BIG task. In this week's episode on the Budget Divas podcast, my guest is fellow Budget Divas member Marilyn Lamer. Marilyn discusses the importance of breaking down our big goals into bite-sized goals that are realistic and attainable. We also discuss how perfectionism can lead to procrastination and feeling paralyzed. Marilyn gives us tips to focus on our next step instead of the big goal. Marilyn Lamer is from Honolulu, Hawaii. She is married and has two sons. Her oldest son is autistic with ADHD.  Marilyn has a huge heart for helping families with children with autism. Empowerment and positive mindset are two topics Marilyn is passionate about.As a promoter with Innov8tive Nutrition, Marilyn is passionate about showing people how they can take and absorb their nutrition with nanotechnology body applications or patches. Marilyn likes to say that the wonder of your wellbeing is within your control!To learn more about Marilyn Lamer, check out her linktree at https://linktr.ee/MarilynLamer Follow her on Tiktok: https://www.tiktok.com/@wearablenutrition  

#34 John Gephart's passion is Oahu real estate. Born in Honolulu and having lived here for much of his life, John has seen first-hand the changing urban landscape of Honolulu and its suburbs and is excited to share his knowledge of Oahu's neighborhoods with those he meets. As an experienced real estate broker, John truly lives a rewarding, yet challenging life. He enjoys immensely aiding his clients in finding their ideal new home or investment property or seamlessly selling their property to its maximum potential. He also specializes in helping clients purchase new development projects throughout the island of Oahu. The countless referrals and testimonials lay testament to his warmth and compassion. His knowledgeable yet personable nature allows his clients to feel comfortable and at ease when making such an important decision in real estate.In this episode, John shares his best tips on how to prepare your finances to buy your first home and how to choose the right real estate agent or broker that's right for you. To learn more about John Gephart, visit his website at https://www.urbanoahu.com/. 

**Disclaimer: This episode focuses on maximizing credit card points**Ep: #33 Have you ever wanted to travel the world without spending a ton of money? How about receiving an upgrade worth thousands of dollars with points and miles earned?In this week's episode on the Budget Divas podcast, my guest is Eli Tsukayama. Eli is a marketing professor at the University of Hawaii and holds a PhD in psychology. When he is not working at his full-time job, he enjoys traveling around the world. Eli's hobby is travel hacking which allows him to travel elite without spending a ton of money. Eli first learned about travel hacking through a grad student who told him about travel hacking. Eli first thought this was too good to be true but soon learned how to maximize his credit card points to get the best travel deals including incredible airline upgrades such as private rooms with amenities that most airlines do not have. In this episode, Eli shares tips on how to travel hack and get the most bang for your buck. Some of the highlights in this episode: 1.       How to find the best sign-on deals with travel point bonuses2.       How to determine if travel or cash back points are best for your lifestyle3.       Ways you can transfer your points to international partner airlines to maximize your benefits To follow Eli on his travels, you can find him at https://www.instagram.com/elit808/ 

Ep: #32 Can you identify a difficult person in your life? Sometimes no matter how hard we try, we are not able to get our point across in an effective way that puts the other person at ease or gets them to respond in a non-threatening way. How do you respond to difficult people? Is your response to fight, flight, or freeze? Our body is designed to respond to perceived threats to keep us safe from danger, whether it would be physical, mental, or emotional danger. Vince Abramo is a certified coach and trainer through the John Maxwell Team. She specializes in helping people achieve their personal goals. Vince has a degree in Public Administration and certifications in conflict resolution, nonprofit management, and volunteer management.In today's episode, we discuss the mindset changes needed to work through conflict resolution and how we can find common ground with difficult people to achieve a shared goal, especially with the people that are the closest to us. Vince discusses the types of communication style and how we can work with others when their style differs from our style. To learn more about Vince's company and upcoming classes, visit her website at https://bambooshoot.co/ or https://www.facebook.com/bambooshoot.co. 

Ep: #31 In today's episode, we celebrate fellow Budget Divas Community member Cindy Abe! Cindy joined the Budget Divas Community in the Fall of 2021 and since then, she has paid off $41,700 of debt in seven months! Cindy is an implementer. Even though she had some fears when starting her debt-free journey, she took action each week to produce massive results. In this episode we discuss: the heaviness that debt brings every single day how to start taking bite-sized action steps to produce massive resultshow to step out of your comfort zone and get scrappywhy support and accountability is critical for success Learn more at www.budgetdivas.com. 

Ep: #30 Do you struggle with perfectionism and people pleasing? Have you ever declined an invitation with friends or gave up learning a new skill because of the anxiety of perfectionism? In today's episode, my guest is Mindset Makeover Coach, Chasidy Wright. After years of struggling to feel comfortable in her own skin, she finally decided to do something about it. Chasidy is a licensed therapist and "people pleaser in recovery" that used to think she had to be perfect to be accepted. Through journeys of self-awareness, Chasidy now teaches others how to unravel perfectionism and reveals the myths that were disguised as truths. Listen in as we discuss the dangers of perfectionism and people pleasing and how we can authentically show up for ourselves. To learn more about Chasidy, visit linktr.ee/thinkingwithatwist and register for her upcoming Workshop: Coloring Outside The Lines - 3 Ways To Challenge Your Perfectionism

Ep: #29 When's the last time you sat down with your spouse to discuss your personal and/or business finances?My guest this week is Noel Remigio. Noel is a partner with Hui Upside, a business consulting firm that focuses on working with small businesses and non-tech start-up ventures who provide products and services. In this episode, Noel discusses the importance of having recurring meetings with your spouse when it comes to personal and business finance decisions. Whether you are the CEO of your business and/or home, it is important to have these conversations about money so that you can handle budgeting and investment decisions as a team. Noel and I focus on three major points in this episode: 1) Strategize and dream together to achieve a major financial goal2) Include your spouse in every single business decision 3) Divide and conquer -  share the responsibilities evenly with business and household tasks To learn more about Hui Upside, visit https://www.huiupside.com/

Ep: #28 Have you ever judged a stranger on the street by the way they presented themselves in public? Have you ever purchased a product to impress your peers then instantly regretted that purchase? We all make judgments about ourselves and each other. It's human nature. But can also affect the way we view and spend our hard earned dollars. Money is a topic that is rarely discussed in public because we fear we will be judged. From how much we earn to how much we have saved in the bank, our relationship with money affects our financial decisions. In this podcast, we'll discuss the judgments that we struggle with and strategies to overcome feelings of insecurity so we can live a rich and fulfilled life. 

Ep: #27 Before we start the show, I wanted to invite you to a free training on Tuesday, April 12th at 7pm HST. I'll show you three steps you can start doing this week. Go to www.budgetdivas.com/money2022 and register for the free training now.   Have you ever felt stuck in a rut? I was talking to my friend about this recently and she described it in this way: It's like there's a hurricane around me and I'm in the middle of it. Think about that for a second. What does that mean to you? Do you find that it's difficult to start on the tasks or dreams that you want to accomplish? Julia Vergara, originally from Colombia, is a Holistic Emotional and Spiritual Coach. She gives tools and techniques to her clients to keep themselves Aligned with their life purpose, Balanced in their life, and Connected to their hearts.At one point in her life, she was feeling stuck and that nothing was going the way she wanted it.She had come back to her ex-husband and she was questioning many things including her "poor" decision-making.Guided by her first coach then and by a couple of healers, she learned about the spiritual connection we have with everyone we meet and how they are here to teach us lessons. She healed her relationship with her ex-husband. She started her real spiritual journey. She got so connected that she decided to move from Miami to Hawaii with a baby. Her daughter became her GPS. The lessons that she came here to learn through her relationship with her.She inspired her to write her best-selling book: Awaken Through Parenting.She became a coach because she wanted others to have the kind of transformation she had and live their life on purpose consistently as she does.She teaches a free class every other month called “From Alignment To Action” (April 18-25, 2022) and a free webinar for men called “The Aligned Way” (May 7, 2022).IG: juliavergaralifecoachFB: julia vergaraLinkedIn: julia vergara