Her Money Matters

Are you always “saving” on little things here and there? You may not be the type of person who consistently saves 10% of their income for retirement, but anyone who knows you can tell you're the queen of frugality.  Between avoiding brand names at the grocery store (in favor of the Store Brand) and being a die-hard fan of a zero-waste lifestyle (did anyone say reused Mason jars?), you are the living embodiment of the frugal person. But, do you know how much money you are actually saving through your frugal lifestyle? Or, are these imaginary savings just that —a pretty illusion?  As a self-declared frugal person, a close friend of mine is always looking for new ways to save a couple hundred extra dollars a month. For the past six months, saving on fuel has become one of her biggest goals. On a regular recharging day, she travels to the other side of her city to refuel at a tiny gas station that charges 30% less than her regular Shell station. That sounds like a sweet deal…until you consider her regular station is just one block away from her apartment, but the cheaper place is 45 minutes away #gasp.My friend's example comes to my mind whenever I say that, sometimes,  being the most frugal person doesn't always help your bottom line. Our brains are so complex that, sometimes, being ultra-focused on saving a few dollars doesn't allow us to see the forest for the trees. And you know what's the most perplexing part? This mistake is more common than you think. This is why in this week's episode, I want to talk about frugality and the traps usually associated with our reflex of trying to cut down on expenses when finances are tight.In this episode you will learn: Why frugality, by itself,  is not enough to improve your financial situation.The 3 things you have to do to leverage a frugal lifestyle. One question you NEED to ask yourself before going frugal. For a quick recap of this episode go to https://www.jenhemphill.com/181The post, [Summer Playlist] Lessons Learned From Frugality | 181  appeared first on the Her Dinero Matters Podcast.

If you have a budget, I'm sure you know why keeping track of your expenses is important. What you probably don't know is that daily ins and outs are not the only numbers worth tracking. In fact, if you want to truly stay on top of your finances there are four numbers you should keep an eye on. In this episode, I'll share what these numbers are, how to keep up with them, and why tracking them will make a difference in the long run. Keeping track of your expenses is an essential part of budgeting: there's just no way around it. However, I get why you might find this whole expense tracking thing a little bit tedious (or just plain boring!), especially if you are new-ish to budgeting and you're still working on creating a system that works for you.  If that sounds all too familiar, this week's episode might be just what you need. Today, we'll start with a quick review of the basics of expense tracking (a lil' refresher is always welcome!) and why it's important to keep up with those numbers. Then, we'll move on to the nitty-gritty of this week's topic: four not-so-common numbers that you should keep in mind when evaluating your finances. Most people don't usually see big, drastic changes in these numbers month over month, but that doesn't make them less important. Keeping a close eye on them will not only give you valuable info on your current financial situation, it will also help you find all sorts of growth opportunities.In this episode you will learn: Why expense tracking doesn't have to be tedious.3 expense types to keep up with (and why they matter).4 numbers that are not that common, but are worth keeping in your tracker.For a quick recap of this episode go to https://www.jenhemphill.com/402The post, Four Numbers You Need to Start Tracking Today | HDM 402 appeared first on the Her Dinero Matters Podcast.

What's the first thing that comes to your mind when you hear “money rules”? If you're anything like me, you probably think about complicated must-dos, or old-as-time financial practices that, by now, are pretty much set in stone. But, what if I told you that money rules don't have to be inflexible (or even tied to money per se) to be effective and life-changing? Would you believe me? Well, let's put that to the test! In today's episode, I'll share with you 8 money rules that have helped me take my money management to a whole new level. If every time you hear the words “money rules” you hear the distant echo of Scrooge McDuck rigidly screaming “I made my money by being tougher than the toughies and smarter than the smarties!”, maybe it's time to reconsider your approach to the concept of “rules” (plot twist: being inflexible is not part a money rule job description! #notreally).Here's the deal: when it comes to money management & finances, having rules that work is crucial. Not only they will help you make better decisions (and in less time), but they can also reduce the mental load that usually comes with money management. However, just because rules are important it doesn't mean they have to be rigid or set in stone. In fact. It's quite the opposite! My experience has taught me that the best money rules are those that are tailored to my situation and thus resonate deeply with my personal money story. And you know what? You can also have rules like these. This is why, in this episode, I'll share with you 8 money rules that have helped me take my money management to a whole new level. In this episode you will learn: The reason why not all money rules have to be about money (#gasp!)How to set up money rules that work for you… when you are rule-averse.Why creating your own money rules is 100% possibleFor a quick recap of this episode go to https://www.jenhemphill.com/401The post, Money Rules That Don't Have To Do With Money? | HDM 401 appeared first on the Her Dinero Matters Podcast.

It's happening! With this episode, Her Dinero Matters is officially hitting the 400-episode mark! To celebrate, I've put together a special episode that will break our traditional format but in a fun way! This week I'm sharing Her Dinero Matters Origin Story with you and the lessons I've taken home after recording 400 weekly episodes (#wild!). For most people (myself included), 400 may not feel like a huge number, but whenever I say out loud that I've spent almost nine years recording weekly podcast episodes to help women improve their relationships with money, I always get a shocked stare. NINE YEARS! That's a lifetime. And I'm sure that lifetime magic is what contributes to making this episode feel extra special. It all started in 2015 when podcasts that talked to women about money were not a very common sight. Yes, podcasting and financial advice in general existed, but the offer available back in the day did not match the specific vision I had in my head: a space where we could come together as women to talk about money, our money stories, and how those have impacted the way we lead our financial lives. Her Dinero Matters was born from that vision. Over the years, the podcast has evolved and shifted directions in various ways. Not only that: recording hundreds of interviews with all sorts of amazing guests has also taught me precious lessons that I wouldn't have learned otherwise. This special episode aims to celebrate all that!In this episode you will learn: A deep-dive into Her Dinero Matters Origin Story.Lessons learned after recording 400 episodes.Featured feedback from listeners! For a quick recap of this episode go to https://www.jenhemphill.com/400The post, 400 Episodes and STILL Going: Lessons Learned From the Podcasting Trenches  | HDM 400 appeared first on the Her Dinero Matters Podcast.

We all know about the importance of getting better at managing our finances, but many people come face to face with a giant wall when it comes to the practical side of things. Is there a specific routine or a way of doing things that facilitates everything? And if there is, how can you start implementing those best practices in your financial management? In this week's episode, I'm going to share how I manage our household finances, the systems I use, and the things that could be improved. I don't know if it's just me, but with the boom of AI, I feel nowadays everyone is talking about systems and automation. Financial conversations are not the exception.  While I am a huge fan of saving precious time by automating tasks, I also recognize that building effective systems to better manage your finances takes time and a good chunk of trial and error. This is why in this week's episode I've decided to share how I manage our household finances. I'll talk about the systems that work for us, how I've built them, and some things that are still a work in progress (because, let's be honest, when it comes to managing finances. there's no such thing as perfection. Believe me, building this system as taken years and loads of trial and error). The goal of this episode is to inspire you to try something new in your current money management routine. In this episode you will learn: The nitty gritty aspects of how I manage our household finances.The importance of having a sound plan (aka, a budget!) as your starting point. Why this system works for us now and what are some aspects that still need improvement.For a quick recap of this episode go to https://www.jenhemphill.com/399The post, This Is The System I Use To Manage Our Household Finances  | HDM 399 appeared first on the Her Dinero Matters Podcast.

If you are a regular consumer of financial content (hello podcasts!) and someone asked you for a quick recap of the five, most valuable lessons you've uncovered so far, what would your answer be? Well, I know for sure that my list wouldn't include things like budgeting, savvy retirement planning, or only spending on stuff I need! Curious to know why? In this week's episode, I'm sharing five underrated money lessons that have completely changed the way I relate to money. Lately, I've been thinking a lot about all the money advice that just exists out there in the world. I've been working in this industry for more than ten years now (!) and despite the massive amount of financial content that is poured every day into the internet, there are foundational topics that, to this day, still don't get much attention. Yes, we all “know” about the importance of having a budget, planning our expenses, thinking about retirement early on, and, in general, all those financial how-to's that, once mastered, make your life easier. And yet, despite already having that information, so many of us still struggle with keeping up with the “basics”. Have you ever wondered why?In today's episode, I will share with you five underrated money lessons that, to this day, not that many people speak about. These are lessons I've acquired through my 10+ years of experience in the financial industry and, boy, understanding them has been an absolute game-changer! In this episode you will learn: The 3 keys to adaptability with your money.The importance of having mindful indulgences.Why debt is not (always) the devil's cousin.For a quick recap of this episode go to https://www.jenhemphill.com/398The post, Five Underrated Money Lessons (They Will Change Everything!) | HDM 398 appeared first on the Her Dinero Matters Podcast.

You might have learned that not spending money on things you don't really need is the best (and, quite possibly, the only) way to save money in the long run. But, what if I told you that buying things that you want can lead to saving some extra money? In this week's episode, I'll share with you four purchases that improved my life (and added some extra joy!). If you got most of your financial education from old-school financial advisors, you might be all too familiar with the most important “spending” rule ever: don't waste your money buying things that you don't need. This includes stuff like clothing, fancy trips, expensive gadgets, a second car, and, in general, anything that is not an essential need (think food and shelter). While there's nothing wrong with this advice, the harsh truth is that,  in real life, Needs and Wants are rarely two well-defined and distinct categories. In fact, both are quite subjective: your Needs and Wants will vary depending on your circumstances, the place where you live, your cultural context and the season of life you're currently moving through (among other things). So, how can you learn to distinguish between them? In this episode, I'll share with you four purchases that ended up improving my life in so many ways. My goal is to give you some food for thought and inspire you to consider your spending habits with a new perspective.In this episode you will learn: Why well-intentioned advice, such as “just splurge less”, often falls flat. The reason why “Needs” and “Wants” are not set in stone.Four purchases that initially felt like splurges, but ended up giving me joy (and saving me some money!)For a quick recap of this episode go to https://www.jenhemphill.com/397The post, Four Purchases That Improved My Life | HDM 397 appeared first on the Her Dinero Matters Podcast.

If you want to achieve financial success, building solid money habits is a non-negotiable. Intellectually, almost everyone knows and agrees with that statement. But, how do you choose which habits to build? That's the million-dollar question. In this week's episode, I'll share with you the four money habits that can have the biggest impact on your money confidence journey. Every self-help book or personal development coach seems to agree on one thing: if you are trying to transform one area of your life, the first thing you gotta do is build good habits.  But, what is exactly a good habit? And who decides which ones fall into this category? That is the quintessential question. When it comes to improving your finances, habits such as saving consistently and spending less will almost always pop up in any finance-related conversation. However, how can you know if building these will help you move the needle of your plan forward? Because let's be honest: there is such a thing as picking the wrong habit (#gasp). And since building these behavioral patterns is not that easy (plot twist: gaining real momentum usually takes more than 21 days), you want to be sure the time and energy you'll be investing in acquiring a new habit will eventually pay off. In this episode, I'll share with you some insights on the importance of picking (and building!)  money habits that bring in a genuine bang. In this episode you will learn: Why so many financial habits are not worth your energy and time and what you can do instead.Two habits that seem crucial to have, but actually can be automated.Four key money habits that will bring you more bang for your time.For a quick recap of this episode go to https://www.jenhemphill.com/396The post, Are Your Money Habits Keeping You Stuck? | HDM 396 appeared first on the Her Dinero Matters Podcast.

Did you know that, despite the challenges of the current housing market, most Americans still consider homeownership an essential part of the American Dream? And yet sometimes a quick run of your numbers can reveal that owning property may not be as financially advantageous as you initially thought. In this episode, we'll talk about the real cost of owning a home. According to a survey conducted by the online platform Lending Tree in July 2023, 94% of respondents still see homeownership as an essential part of the American Dream. However, as the days and months pass by,  the realities of the current housing market, with its ever-changing ups and downs, have created a sense of hopelessness in so many people, particularly the younger crowd: no matter what they do, it's unlikely they will ever be able to afford a house. But, what if this sense of hopelessness was simply a by-product of believing that owning a house is better than renting because it's cheaper? What if this belief were simply not true? While no one can deny that owning the house you live in can be a rewarding, and even fulfilling experience, the numbers don't lie: there are so many scenarios where owning property can cost you more (way, way more, in fact) than renting out. In this episode, I'll share with you my story (and insights) on things you have to consider before buying a home and the importance of running your numbers before committing to homeownership. In this episode you will learn: Some of the things to consider when buying a homeThe numbers you need to compare for calculating the true cost of owning vs renting a homeWhy my family is choosing not to buy a home and what we are doing instead.For a quick recap of this episode go to https://www.jenhemphill.com/395The post, NOT owning a home does have its benefits | HDM 395 appeared first on the Her Dinero Matters Podcast.

If someone approached you at a family party and asked you to share your biggest money mistake, what would you say? To be completely honest, I'd probably freeze on the spot. Not because I don't know how to answer, but because a voice in my head tells me that, as a financial counselor, I should know better. Well, that's not exactly true. And in this week's episode, I'm going to walk you through the details of my biggest money mistake ever: buying a timeshare. If you've ever vacationed in a resort, you've probably heard about timeshares. The concept is very straightforward: in exchange for a fee, you “purchase” the right to use a resort room for one week of a given year. The “advantage” of this system is that your contract allows you to enjoy the resort room at the same fixed price, which over time amounts to considerable savings on vacation costs. While on paper the idea sounds interesting enough, in my case reality didn't really live up to the expectations. And yet,  acknowledging this in real-time was almost impossible –a fact that made the whole experience very painful. Today I'm sharing this experience hoping that it can inspire you to better understand why sometimes is hard to see big money mistakes coming.In this episode you will learn: The reason why investing in this didn't feel like a mistake (at first).Some annoying realizations that added up to the pain of this experience.How we managed to get rid of it and why it was the best decision.For a quick recap of this episode go to https://www.jenhemphill.com/394The post, Storytime: My Biggest Money Mistake Ever | HDM 394 appeared first on the Her Dinero Matters Podcast.

When it comes to money talk, do you know what your family is expecting from you? While there's nothing wrong with freely offering financial help to your loved ones when things get tough, doing so at the expense of your financial well-being is a recipe for future problems. So, how do you navigate financial expectations with your family? How do you get ready to have these potentially triggering conversations? This is exactly what Gigi González, author of the bestselling book, Cultura and Cash, will be talking about in today's episode.Have you ever been in a situation where a loved one expects you to contribute financially to something just because you have a close relationship? It can either be an emergency expense (think sudden hospital bills or the cost of a specific medication) or a common,  everyday expense (the cost of a meal, gas, or even a plane ticket). If you have, you know there's nothing more complicated than navigating such a scenario because, let's face it, it seems there's no real way to win. You either say no and get a disappointed (and potentially shocked) response, or you say yes and end up resenting the person who asked. Either way, someone will always end up upset. So, here comes the million-dollar question: is there a way around this? Is there a way to navigate these tricky conversations without ending up feeling the full spectrum of negative emotions? These are some questions that our (returning!) guest for this week's episode, Giovanna “Gigi” González will be speaking about. Gigi is a TikTok influencer, financial educator, and author of Cultura and Cash. During The Great Resignation, she quit her 10-year corporate career to pursue her true passion: teaching financial literacy to young adults. She teaches personal finance and career navigation for First Gen at various organizations and on her TikTok account @thefirstgenmentor.In this episode you will learn: Insights on what it means to be a bicultural first-gen Latina (and why it matters). A walkthrough of Gigi's First Gen Five Framework.A simple two-step framework for setting up money boundaries as a first-gen Latina.For a quick recap of this episode go to https://www.jenhemphill.com/393The post, Living in a Cultural Clash? How to Navigate Financial Expectations With Your Family | HDM 393 appeared first on the Her Dinero Matters Podcast.

Living paycheck to paycheck is not as uncommon as we think: 60% of the US population depends on their bi-monthly deposits to make ends meet. If you are living in this situation, I bet you've probably scratched your head more than twice trying to figure out where all your paycheck money went. In this episode, I'll share with you a savvy paycheck routine that will allow you to understand what's going on with your hard-earned dollars.Picture your regular payday. Your money has just landed in your account and now is the time to pay those bills. You make all the necessary  payments and for a couple of days, everything looks okay… until you suddenly realize that:Your account is again in the lows.There's still a week (or more) to go until the next payday.You have NO CLUE as to where your remaining money went. Did you spend more on this week's grocery shopping? Did you make the wrong transfer? You just don't know. And that can be a huge issue.The truth is that, while not ideal,  living paycheck to paycheck doesn't always have to be a nerve-wracking experience. There are ways to minimize the stress and anxiety that usually arise when money hits our accounts. In this week's episode, I'm sharing with you a simple, no-shame paycheck routine that will allow you to take back control of your income flows from day one. In this episode you will learn: What is a budget bottom line and why not knowing yours is a recipe for future (and unnecessary) stress. What is a zero base budget and why you should be assigning a purpose to every dollar in your accounts.A simplified 5-step paycheck routine that will allow you to manage your income without stressing out.For a quick recap of this episode go to https://www.jenhemphill.com/392The post, Living Paycheck to Paycheck? A #NoShame Routine to Avoid the Frenzy | HDM 392 appeared first on the Her Dinero Matters Podcast.

If you still have days when getting a hold of your finances seems impossible, rest assured: you're not alone! You might not know it, but between you and money confidence stands an invisible, ever-eluding barrier that you gotta tackle first: your money story. In this episode, Pam Covarubias explains how Calladita Culture™️ has disempowered women financially and what can you do to uncover your money story. We all carry money stories, hiding in plain sight and influencing the way we think, act around, and spend our money. Although there are money stories of all kinds, both good and bad, in my experience, an overwhelming amount of Latina women navigate through life carrying around disempowering and restrictive money stories. These stories not only are a breeding ground for financial stress –they also keep us enmeshed in Calladita Culture™️, a set of limiting beliefs that push women to act in a self-effacing way. In today's episode, Pam Covarrubias, host of the beloved Café con Pam podcast,  will share with us some tools to help you reclaim your voice and finally start to uncover that hidden money story that is keeping you small.Pam is a Coach, Speaker, Podcaster, and Recovering Procrastinator. Grounded in liberation principles, she employs trauma-informed practices that nurture her clients' nervous systems. Rejecting the damages of Calladita Culture™️, Pam embraces her voice to eradicate its impact by advocating against silencing and submission in first-generation women and femmes in the US.In this episode you will learn: What is calladita culture and how it affects women?The pesky ways in which this culture impacts your finances.How to use tapping to regulate your nervous system For a quick recap of this episode go to https://www.jenhemphill.com/391The post, Tapping into Money? The Secret Tool to Uncover Your Money Story | HDM 391 appeared first on the Her Dinero Matters Podcast.

Have you ever found yourself in the middle of a redirection? Recently, my life took an unexpected (and good!) turn, and even though I am ready to take on this new challenge, the changes impact not only me and my family but also my business. In this episode, I'll share what exactly is this change and how I plan to navigate this transition.In today's episode, I'm sharing a MAJOR life update: After 21 years of solo work, I'm officially back in the world of full-time employment! Since this new life episode is the dictionary definition of unexpected, in the past few weeks I had to make a few adjustments to the way I face both life and work. Today, I am sharing what those changes are all about.In this episode you will learn: Everything about my new job: Why this position? Why now?Things that will change in my business (aka, changes to the Her Dinero Matters Podcast!)An honest conversation about what these life changes mean, financially speaking (after all, we are a personal finance podcast!).For a quick recap of this episode go to https://www.jenhemphill.com/390The post, The Unexpected can Also be GOOD!: Life Updates and New Decisions | HDM 390 appeared first on the Her Dinero Matters Podcast. Learn more at https://jenhemphill.com

Have you ever felt like you needed an MBA just to get started investing? There are terms, like compound interest, loaded funds, and on and on that feel complex. Therefore, it feels scary to start investing without having ALL  the knowledge. Today we are going to squash all of that so you can invest with confidence. Did you know that about 42% of Americans don't own stock? That's according to a Motley Fool study. The number of Latinos is likely much lower than that. Of course the reason? Fear of investing. Today I bring you a woman who will help you lose your fear of investing. Tess Waresmith is a financial coach and the founder of Money Confident, a financial education program aimed at women in their 30s and 40s. After losing $80k in bad investments in her twenties, Tess educated herself on wealth building and increased her net worth from 0 to 1 million by the age of 35. Now, she helps women learn simple investing strategies to grow their money, even if they're short on time or new to investing.In this episode you will learn: The costly mistake she made when starting to invest.One thing you can do starting now when investing feels to overwhelming and complicated.A practical rule of thumb to figure out if you need a financial advisor right now.For a quick recap of this episode go to https://www.jenhemphill.com/389The post, Investing for Beginners- Steps You Can Start Taking Now | HDM 389 appeared first on the Her Dinero Matters Podcast. Use the code REINA to get 10% off your purchase of the Her Dinero Matters Money Planner! Click Here for your planner.

Guess what the most frequently asked question I get is: "Jen, what budgeting tools do you recommend?" And honestly, I'll tell you that question makes me nervous, surprised, right? In today's episode, I'll explain why, and I'll also guide you on how to choose the right budgeting tool for you. This way you choose one that will help you simplify your finances and always know confidently where you stand.You don't need complex tools to manage your money, the key is finding a simple system that works for you. Today you will learn what to look for in a budgeting tool that suits your needs, as well as additional options, both paid and free, that you can use. You've got this!!!In this episode you will learn: Questions to ask yourself when looking for an app or tool for budgeting.What are some free and paid resources that can be used for financial help.What other podcasts, additional to this one, you can listen to for managing, simplifying and increasing your confidence with your finances.For a quick recap of this episode go to https://www.jenhemphill.com/388The post, How to Choose Budgeting Tools | HDM 388 appeared first on the Her Dinero Matters Podcast. Want to also have the option to watch the podcast? Check us out on YouTube: https://www.youtube.com/@JenHemphill

Imagine waking up in the morning feeling relaxed when you think about your finances because you are debt-free. Doesn't seem  possible for you? Keep in mind that what works for one person may not necessarily work for you, and that's where many people give up. This is where a more holistic approach comes into play which will make a drastic difference in seeing your debt go down. What the heck is a holistic approach? Find out what this looks like and more in today's episode all about what it really takes to achieve a debt-free life.  Did you know that according to a survey conducted by Clever over, 61% of Americans have credit card debt? That is 3 in 5 Americans. And with the current higher interest rates, it makes things more challenging. Even with this challenge, a debt-free life is possible. The guest I bring you today is a living example of what is possible.Mayra García is a financial coach and podcaster who is dedicated to empowering Latinas and families everywhere to master their money and live debt-free lifestyles.  She has had a journey and was able to pay off all her debt in 17 months.In this episode you will learn: How a holistic approach can help you manage your finances and be debt free.The one primary financial obstacle observed, particularly in the Latina community.A strategy to help manage your finances if you have debt, specifically credit card debt.Why it's important not to compare your financial situation with what you see on social media.For a quick recap of this episode go to https://www.jenhemphill.com/387The post, What it Really Takes to Achieve a Debt-Free Life | HDM 387 appeared first on the Her Dinero Matters Podcast. Learn more about my book Her Dinero Matters by CLICKING HERE. 

It's time for change. The financial system needs to better serve women, especially Latinas. I know that may sound controversial, but stay with me as you will learn how you can navigate it despite the odds and what one woman is doing to disrupt change.We'll be diving into a thoughtful discussion on how we can better navigate the current financial system. To explore this important topic, I'm thrilled to be speaking with Vrinda Gupta, an inspiring leader in the FinTech space who is making huge strides in bridging systemic gaps for diverse communities. Vrinda is the CEO & Co-Founder of Sequin, a women's finance club and fintech empowering women to step into financial freedom with banking, education, and community.IN THIS EPISODE YOU WILL LEARN:3 gaps that women and minority groups experience in the financial system.Why it is important for women to educate themselves about money, building credit, and wealth.The hidden facts about banks that you need to know about.For a quick recap of this episode go to https://www.jenhemphill.com/386The post How The Financial System Has Failed Women (and What You Can Do Despite This) | HDM 386 appeared first on the Her Dinero Matters Podcast

It's time for change. The financial system needs to better serve women, especially Latinas. I know that may sound controversial, but stay with me as you will learn how you can navigate it despite the odds and what one woman is doing to disrupt change. We'll be diving into a thoughtful discussion on how we can better navigate the current financial system. To explore this important topic, I'm thrilled to be speaking with Vrinda Gupta, an inspiring leader in the FinTech space who is making huge strides in bridging systemic gaps for diverse communities.  Vrinda is the CEO & Co-Founder of Sequin, a women's finance club and fintech empowering women to step into financial freedom with banking, education, and community. In this episode you will learn:  3 gaps that women and minority groups experience in the financial system. Why it is important for women to educate themselves about money, building credit, and wealth. The hidden facts about banks that you need to know about. For a quick recap of this episode go to http://www.jenhemphill.com/386 The post, How The Financial System Has Failed Women (and What You Can Do Despite This) | HDM 386 appeared first on the Her Dinero Matters Podcast.

It's time for change. The financial system needs to better serve women, especially Latinas. I know that may sound controversial, but stay with me as you will learn how you can navigate it despite the odds and what one woman is doing to disrupt change.We'll be diving into a thoughtful discussion on how we can better navigate the current financial system. To explore this important topic, I'm thrilled to be speaking with Vrinda Gupta, an inspiring leader in the FinTech space who is making huge strides in bridging systemic gaps for diverse communities. Vrinda is the CEO & Co-Founder of Sequin, a women's finance club and fintech empowering women to step into financial freedom with banking, education, and community.In this episode you will learn:  3 gaps that women and minority groups experience in the financial system. Why it is important for women to educate themselves about money, building credit, and wealth. The hidden facts about banks that you need to know about. For a quick recap of this episode go to http://www.jenhemphill.com/386The post, How The Financial System Has Failed Women (and What You Can Do Despite This) | HDM 386 appeared first on the Her Dinero Matters Podcast.

Frustrated because you feel time has passed, and you haven't invested or saved? Stay tuned as today I'll share with you three steps you can start right away to take control of your finances.The question of "I'm starting from zero, I'm 40+, with nothing to show but my income, what do I do?" is one I encounter frequently. If this resonates with you, know that you're not alone, and there's hope. It's not too late, you can make a positive change. In this episode, I'll guide you on getting unstuck with two key questions. Additionally, I'll clear up the confusion surrounding emergency funds and provide a straightforward system to help you manage your money.In this episode you will learn:  How you can start creating a plan to save and invest from scratch regardless of your age. The key considerations for an emergency fund that fits your current situation. The details behind a simple system to manage your finances (and doesn't rely on using credit cards) For a quick recap of this episode go to http://www.jenhemphill.com/385The post,  Three Money Steps to Take When You Are Starting From Zero | HDM 385 appeared first on the Her Dinero Matters Podcast.

Frustrated because you feel time has passed, and you haven't invested or saved? Stay tuned as today I'll share with you three steps you can start right away to take control of your finances. The question of "I'm starting from zero, I'm 40+, with nothing to show but my income, what do I do?" is one I encounter frequently. If this resonates with you, know that you're not alone, and there's hope. It's not too late, you can make a positive change. In this episode, I'll guide you on getting unstuck with two key questions. Additionally, I'll clear up the confusion surrounding emergency funds and provide a straightforward system to help you manage your money. In this episode you will learn:  How you can start creating a plan to save and invest from scratch regardless of your age. The key considerations for an emergency fund that fits your current situation. The details behind a simple system to manage your finances (and doesn't rely on using credit cards) For a quick recap of this episode go to http://www.jenhemphill.com/385 The post,  Three Money Steps to Take When You Are Starting From Zero | HDM 385 appeared first on the Her Dinero Matters Podcast.

At some point, have you felt that finding stability between managing your finances and living your life is impossible? And after this, what follows is “te rendiste”.What if I tell you that finding balance is not an illusion? I'm here to explain why it's within reach and offer actionable steps to maintain equilibrium between your life and your financial objectives.We are already in the last show of this special 4-episode series. This means it's already the end of January, can you believe it? In this series, we have talked about what you can control, the importance of making more money, making sure you don't just save but make your savings multiply, and today is all about what you can do to live your life and reach your financial goals.Are you prepared to start this journey?In this episode you will learn:  How live your life in a way you enjoy it while also being able to reach your financial goals. The importance of setting aside money for self-care to live well (spoiler alert, it is not selfish). The significance of avoiding extreme sacrifice and aiming for sustainable enjoyment along with financial progress. For a quick recap of this episode go to http://www.jenhemphill.com/384The post,  Live Your Life, Not Just Your Budget | HDM 384 appeared first on the Her Dinero Matters Podcast.

At some point, have you felt that finding stability between managing your finances and living your life is impossible? And after this, what follows is “te rendiste”. What if I tell you that finding balance is not an illusion? I'm here to explain why it's within reach and offer actionable steps to maintain equilibrium between your life and your financial objectives. We are already in the last show of this special 4-episode series. This means it's already the end of January, can you believe it? In this series, we have talked about what you can control, the importance of making more money, making sure you don't just save but make your savings multiply, and today is all about what you can do to live your life and reach your financial goals. Are you prepared to start this journey? In this episode you will learn:  How live your life in a way you enjoy it while also being able to reach your financial goals. The importance of setting aside money for self-care to live well (spoiler alert, it is not selfish). The significance of avoiding extreme sacrifice and aiming for sustainable enjoyment along with financial progress. For a quick recap of this episode go to http://www.jenhemphill.com/383 The post,  Live Your Life, Not Just Your Budget | HDM 384 appeared first on the Her Dinero Matters Podcast.

Aren't you tired of those famous money phrases that, to be honest, don't really serve us much, like, for example, "save for a rainy day"?And don't get me wrong, it's ok to save money, of course, but it's more than that, it's about making your money multiply.In today's episode, I'll share three familiar strategies to not only save money but also ensure that your savings multiply.Throughout this 4-part series, we've delved into two crucial points for the year: emphasizing what's within our control and recognizing the significance of increasing our income.In today's episode, our focus shifts to saving for the future and ensuring our money multiplies. I'll guide you on what focusing on making your savings multiply will do for you. I will also provide a mini financial terminology 101 lesson, and reveal three essential areas to maximize your money multiplying potential.In this episode you will learn:  Why it is important to go beyond saving and making sure your money multiplies Truly understanding the benefits of compound interest. Understanding what a high yield savings account is and how you can benefit from them. For a quick recap of this episode go to http://www.jenhemphill.com/383The post,  Your Fast-Track to How to Earn More Money | HDM 383 appeared first on the Her Dinero Matters Podcast.

Aren't you tired of those famous money phrases that, to be honest, don't really serve us much, like, for example, "save for a rainy day"? And don't get me wrong, it's ok to save money, of course, but it's more than that, it's about making your money multiply. In today's episode, I'll share three familiar strategies to not only save money but also ensure that your savings multiply. Throughout this 4-part series, we've delved into two crucial points for the year: emphasizing what's within our control and recognizing the significance of increasing our income. In today's episode, our focus shifts to saving for the future and ensuring our money multiplies. I'll guide you on what focusing on making your savings multiply will do for you. I will also provide a mini financial terminology 101 lesson, and reveal three essential areas to maximize your money multiplying potential. In this episode you will learn:  Why it is important to go beyond saving and making sure your money multiplies Truly understanding the benefits of compound interest. Understanding what a high yield savings account is and how you can benefit from them. For a quick recap of this episode go to http://www.jenhemphill.com/383 The post,  Your Fast-Track to How to Earn More Money | HDM 383 appeared first on the Her Dinero Matters Podcast.

Have you been spending countless hours attempting to trim expenses to speed up paying off debt or saving/investing more? I know it is exhausting.  The conventional wisdom of saving more and spending less, while effective, has its limits. Expenses can only be cut so far, potentially slowing down your journey to financial goals. However, focusing on ways to make more money can significantly improve your progress without the need for excessive budgetary restrictions. How do you navigate this maze of options available? And how do you choose what is best aligned to your unique financial situation and time constraints? That is all covered in today's discussion. In this episode, we're exploring how to boost your income. From assessing what type of side hustle suits your lifestyle to unleashing your passions and skills, I'll guide you through gig, sharing, and digital economies. You'll also learn to align your efforts with financial goals, optimize your time, and amplify your earning potential. Whether monetizing hobbies, using online platforms, or investing in in-demand skills, I got you covered.  In this episode you will learn:  How to identify your strengths, skills, interests and consider using those to earn more money. How to pick a side hustle that makes sense for you and the importance of keeping it simple.   How to decide if a side-hustle is what you need at this moment in your life. For a quick recap of this episode go to http://www.jenhemphill.com/382 The post,  Your Fast-Track to How to Earn More Money | HDM 382 appeared first on the Her Dinero Matters Podcast.

Have you been spending countless hours attempting to trim expenses to speed up paying off debt or saving/investing more? I know it is exhausting. The conventional wisdom of saving more and spending less, while effective, has its limits. Expenses can only be cut so far, potentially slowing down your journey to financial goals. However, focusing on ways to make more money can significantly improve your progress without the need for excessive budgetary restrictions.How do you navigate this maze of options available? And how do you choose what is best aligned to your unique financial situation and time constraints? That is all covered in today's discussion.In this episode, we're exploring how to boost your income. From assessing what type of side hustle suits your lifestyle to unleashing your passions and skills, I'll guide you through gig, sharing, and digital economies. You'll also learn to align your efforts with financial goals, optimize your time, and amplify your earning potential. Whether monetizing hobbies, using online platforms, or investing in in-demand skills, I got you covered. In this episode you will learn:  How to identify your strengths, skills, interests and consider using those to earn more money. How to pick a side hustle that makes sense for you and the importance of keeping it simple.   How to decide if a side-hustle is what you need at this moment in your life. For a quick recap of this episode go to http://www.jenhemphill.com/382The post,  Your Fast-Track to How to Earn More Money | HDM 382 appeared first on the Her Dinero Matters Podcast.

I imagine you're already making your New Year's resolutions and feeling excited about everything you want to achieve with your finances. Or it could be that you're a bit scared due to all the things happening that are beyond our control (like inflation). I want you to know that it's completely normal to feel this way. What can we do to make reaching those goals a little easier? Stick around to listen to this episode to find out exactly how! Sometimes we feel powerless over what we can't control, but you actually can do something to help combat it. Of course I have no magic wand to make inflation go away or anything else out of our control. However, if you focus on what you can control, you can minimize the impact from the things we cannot control. I am going to share with you exactly what those things are today. Welcome to part 1 of our 4-part series, where each week, we'll be sharing one thing to focus on for 2024.In this episode you will learn:  How focusing on what you can control helps minimize the impact on your finances from the things you can't control.  Understand how you can apply mindful budgeting and take advantage of smart shopping. How you can maximize your savings and manage your debt. For a quick recap of this episode go to http://www.jenhemphill.com/381The post,  Money Moves to Focus on What You Can Control | HDM 381 appeared first on the Her Dinero Matters Podcast.

I imagine you're already making your New Year's resolutions and feeling excited about everything you want to achieve with your finances. Or it could be that you're a bit scared due to all the things happening that are beyond our control (like inflation). I want you to know that it's completely normal to feel this way. What can we do to make reaching those goals a little easier? Stick around to listen to this episode to find out exactly how!  Sometimes we feel powerless over what we can't control, but you actually can do something to help combat it. Of course I have no magic wand to make inflation go away or anything else out of our control. However, if you focus on what you can control, you can minimize the impact from the things we cannot control. I am going to share with you exactly what those things are today.  Welcome to part 1 of our 4-part series, where each week, we'll be sharing one thing to focus on for 2024. In this episode you will learn:  How focusing on what you can control helps minimize the impact on your finances from the things you can't control.  Understand how you can apply mindful budgeting and take advantage of smart shopping. How you can maximize your savings and manage your debt. For a quick recap of this episode go to http://www.jenhemphill.com/381 The post,  Money Moves to Focus on What You Can Control | HDM 381 appeared first on the Her Dinero Matters Podcast.

Imagine if the key to reaching your financial goals doesn't lie within the goals themselves, but in the actions you take before even putting them to paper. And it's this time of the year when we are excited thinking about our New Year's goals or New Year's resolutions. If you're like me, you're already thinking about what is next. Hey, and don't get me wrong, that's great. But before you continue, listen to this episode! So, you already have your New Year's goals written, ready to take action. And then, what can happen? Well, many of us find that by mid-January, we fall off the wagon and later you may get back on track, fall off again and so on. To prevent that from happening this time, there are three steps you can follow before you sit down to write your financial goals for the upcoming year. In today's episode, I'll share what those steps are. In this episode you will learn:  The importance of setting a clear focus. The role of having a vision in achieving your goals and how to start living some that vision right now.  How to shift from feeling undeserving to deserving of your goals and why this is critical. For a quick recap of this episode go to http://www.jenhemphill.com/380 Join our community on Facebook here: https://jenhemphill.com/community  The post,  Three Crucial Steps Before Setting New Year Resolutions | HDM 380 appeared first on the Her Dinero Matters Podcast.

Imagine if the key to reaching your financial goals doesn't lie within the goals themselves, but in the actions you take before even putting them to paper.And it's this time of the year when we are excited thinking about our New Year's goals or New Year's resolutions. If you're like me, you're already thinking about what is next. Hey, and don't get me wrong, that's great. But before you continue, listen to this episode!So, you already have your New Year's goals written, ready to take action. And then, what can happen? Well, many of us find that by mid-January, we fall off the wagon and later you may get back on track, fall off again and so on. To prevent that from happening this time, there are three steps you can follow before you sit down to write your financial goals for the upcoming year. In today's episode, I'll share what those steps are.In this episode you will learn:  The importance of setting a clear focus. The role of having a vision in achieving your goals and how to start living some that vision right now.  How to shift from feeling undeserving to deserving of your goals and why this is critical. For a quick recap of this episode go to http://www.jenhemphill.com/380Join our community on Facebook here: https://jenhemphill.com/community The post,  Three Crucial Steps Before Setting New Year Resolutions | HDM 380 appeared first on the Her Dinero Matters Podcast.

Have you heard that your finances are directly related to the beliefs you have about yourself and money? Curioso, ¿right? Well, today I'll be exploring this topic so that you start the year with tools that help you believe in yourself more while elevating your finances.  Get ready for an episode where beliefs merge with finances. Often, when we think about financial freedom, we quickly consider the numbers, the budget, and forget the power that our beliefs have on those outcomes. When you create your vision board for 2024, think about how your life and finances would be if you had more belief in yourself (and what you can do with your money).   Belief in yourself is powerful and it can change things for you financially and all aspects of your life, but you need to be willing to do the work. This episode is going to help make that work easier. In this episode you will learn:  How belief intertwines with confidence and mindset (and we also explore their challenges).  The role our money story plays in all this.  3 tips that you can implement now to help you increase that belief. For a quick recap of this episode go to http://www.jenhemphill.com/379 Join our community on Facebook here: https://jenhemphill.com/community  The post,  Three Ways to Believe in Yourself and Elevate Your Finances | HDM 379 appeared first on the Her Dinero Matters Podcast.

Have you heard that your finances are directly related to the beliefs you have about yourself and money? Curioso, right?Well, today I'll be exploring this topic so that you start the year with tools that help you believe in yourself more while elevating your finances. Get ready for an episode where beliefs merge with finances. Often, when we think about financial freedom, we quickly consider the numbers, the budget, and forget the power that our beliefs have on those outcomes. When you create your vision board for 2024, think about how your life and finances would be if you had more belief in yourself (and what you can do with your money).  Belief in yourself is powerful and it can change things for you financially and all aspects of your life, but you need to be willing to do the work. This episode is going to help make that work easier.In this episode you will learn:  How belief intertwines with confidence and mindset (and we also explore their challenges).  The role our money story plays in all this.  3 tips that you can implement now to help you increase that belief. For a quick recap of this episode go to http://www.jenhemphill.com/379Join our community on Facebook here: https://jenhemphill.com/community The post,  Three Ways to Believe in Yourself and Elevate Your Finances | HDM 379 appeared first on the Her Dinero Matters Podcast.

Do you feel like you are still lacking what it takes to be financially confident? Even after reading finance books, budgeting, saving and investing? The truth is, you're missing a few pieces to the puzzle. Today, I'll help you fill those gaps so finally you can be truly financially confident. Ready to build the lasting financial confidence you deserve? In today's episode, I discuss the concept of financial confidence and the three key elements that contribute to it. I share my personal journey with financial confidence and emphasize the importance of addressing all three elements together. Financial confidence is defined as the belief in your current financial situation and the ability to navigate and make decisions when faced with challenges. I provide practical examples and exercises for each element, highlighting the impact they have on overall financial confidence.I struggled being financially confident until I implemented these three elements we discuss in this episode, so don't miss it!In this episode you will learn:  What it means to be financially confident. What financial confidence looks like and what it doesn't look like. The three things standing in your way to being financially confident and why you need all three. For a quick recap of this episode go to http://www.jenhemphill.com/378Join our community on Facebook here: https://jenhemphill.com/community The post,  What it Actually Takes to be Financially Confident | HDM 378 appeared first on the Her Dinero Matters Podcast.

Do you feel like you are still lacking what it takes to be financially confident? Even after reading finance books, budgeting, saving and investing? The truth is, you're missing a few pieces to the puzzle. Today, I'll help you fill those gaps so finally you can be truly financially confident. Ready to build the lasting financial confidence you deserve? In today's episode, I discuss the concept of financial confidence and the three key elements that contribute to it. I share my personal journey with financial confidence and emphasize the importance of addressing all three elements together.  Financial confidence is defined as the belief in your current financial situation and the ability to navigate and make decisions when faced with challenges. I provide practical examples and exercises for each element, highlighting the impact they have on overall financial confidence. I struggled being financially confident until I implemented these three elements we discuss in this episode, so don't miss it! In this episode you will learn:  What it means to be financially confident. What financial confidence looks like and what it doesn't look like. The three things standing in your way to being financially confident and why you need all three. For a quick recap of this episode go to http://www.jenhemphill.com/378 Join our community on Facebook here: https://jenhemphill.com/community  The post,  What it Actually Takes to be Financially Confident | HDM 378 appeared first on the Her Dinero Matters Podcast.

Like many, you've felt the post-holiday financial hangover. But what if the holiday season could be stress-free financially? This episode isn't just about recovering from financial missteps; it's about rewriting the rules of holiday spending. Let's turn those regrets into financial wins together. Let's avoid the post-holiday financial hangover altogether. The five transformative tips I am sharing today will do just this. Already did your holiday spending spree and feeling in a slump? Got you covered. Just getting started? Got you covered as well. Whether you're lamenting that credit card swipe or strategizing for the future, this episode marks your first move towards a more financially savvy holiday season. Ready to transform your approach so you can avoid the post-holiday financial hangover? Let's dive in! In this episode you will learn:  How to create a fail-safe holiday spending strategy A way to redefine the art of gift-giving How to communicate with your family to prevent the post-holiday financial hangover  Plus, a bonus tip that includes a fun family challenge For a quick recap of this episode go to http://www.jenhemphill.com/377 Join our community on Facebook here: https://jenhemphill.com/community  The post,  5 Tips to Avoid the Post-Holiday Financial Hangover | HDM 377 appeared first on the Her Dinero Matters Podcast.

Like many, you've felt the post-holiday financial hangover. But what if the holiday season could be stress-free financially? This episode isn't just about recovering from financial missteps; it's about rewriting the rules of holiday spending. Let's turn those regrets into financial wins together. Let's avoid the post-holiday financial hangover altogether. The five transformative tips I am sharing today will do just this. Already did your holiday spending spree and feeling in a slump? Got you covered. Just getting started? Got you covered as well. Whether you're lamenting that credit card swipe or strategizing for the future, this episode marks your first move towards a more financially savvy holiday season.Ready to transform your approach so you can avoid the post-holiday financial hangover? Let's dive in!In this episode you will learn:  How to create a fail-safe holiday spending strategy A way to redefine the art of gift-giving How to communicate with your family to prevent the post-holiday financial hangover  Plus, a bonus tip that includes a fun family challenge For a quick recap of this episode go to http://www.jenhemphill.com/377Join our community on Facebook here: https://jenhemphill.com/community The post,  5 Tips to Avoid the Post-Holiday Financial Hangover | HDM 377 appeared first on the Her Dinero Matters Podcast.

Are you willing to leave your comfort zone and bet on yourself to achieve your dreams? Pursuing your dreams often requires leaving your comfort zone and overcoming self-doubt. You may fear failing or worry about wasting time on something others discourage you from. But commitment is key when the path gets tough.Investing in yourself can make a real difference by boosting confidence and opening new possibilities. Self-improvement builds security and skills, allowing you to pursue your aspirations, whether starting a business, changing careers, learning new hobbies, or anything else you dream of.As our guest today, Jasmine Ruiz says, dedicating time to develop your talents pays dividends by making you capable of accomplishments you once thought impossible. Believe in your potential and go confidently toward the future you envision.Jasmine Ruiz was born and raised in the Bronx and educated at Barnard. After 7 years in corporate America, she quit to focus on her creative endeavors as a writer, comedian, and actress full time. Her comedy focuses on relatable life experiences, living in NYC, and being Puerto Rican. Her journey demonstrates the power of self-belief and relentlessly betting on your own potential.In this episode you will learn:  How Jasmine prioritizes spending money on growing her skills to reach her dreams. Why it takes sacrifice and belief in yourself to overcome the financial roadblocks of a creative career. Why inserting comedy into money conversations can ease tension and create bonding experiences. For a quick recap of this episode go to http://www.jenhemphill.com/376Join our community on Facebook here: https://jenhemphill.com/community The post,  From TikTok to the Comedy Stage: How One Comedian Bet on Herself | HDM 376 appeared first on the Her Dinero Matters Podcast.

Are you willing to leave your comfort zone and bet on yourself to achieve your dreams? Pursuing your dreams often requires leaving your comfort zone and overcoming self-doubt. You may fear failing or worry about wasting time on something others discourage you from. But commitment is key when the path gets tough. Investing in yourself can make a real difference by boosting confidence and opening new possibilities. Self-improvement builds security and skills, allowing you to pursue your aspirations, whether starting a business, changing careers, learning new hobbies, or anything else you dream of. As our guest today, Jasmine Ruiz says, dedicating time to develop your talents pays dividends by making you capable of accomplishments you once thought impossible. Believe in your potential and go confidently toward the future you envision. Jasmine Ruiz was born and raised in the Bronx and educated at Barnard. After 7 years in corporate America, she quit to focus on her creative endeavors as a writer, comedian, and actress full time. Her comedy focuses on relatable life experiences, living in NYC, and being Puerto Rican.  Her journey demonstrates the power of self-belief and relentlessly betting on your own potential. In this episode you will learn:  How Jasmine prioritizes spending money on growing her skills to reach her dreams. Why it takes sacrifice and belief in yourself to overcome the financial roadblocks of a creative career. Why inserting comedy into money conversations can ease tension and create bonding experiences. For a quick recap of this episode go to http://www.jenhemphill.com/376 Join our community on Facebook here: https://jenhemphill.com/community  The post,  From TikTok to the Comedy Stage: How One Comedian Bet on Herself | HDM 376 appeared first on the Her Dinero Matters Podcast.

Have you found yourself not achieving your money goals this year? It may be that you are setting the wrong money goals. In this thought-provoking episode, we break down the layers to help you set meaningful money goals. Seven years ago I released an episode on how to win with money goals. Today, we're revisiting that advice - what holds up and what's changed? My aim is still the same: provide guidance to set financial targets that align with your values, not just resolutions that exhaust you. Join me as we challenge assumptions about goal-setting and map out a plan to genuinely serve your vision of financial freedom. In this episode you will learn:  How to set financial goals that make sense for your household's unique needs and current life season, not just standard resolutions. Ways to gain clarity on goals by brainstorming details on what you want and why it matters, asking key questions to unlock your motivation. How flexibility and self-compassion are key to your money goals in the face of life's twists. For a quick recap of this episode go to http://www.jenhemphill.com/375 Grab your spot and join us for this year's event. Get all the details here: financiallystronglatina.com Join our community on Facebook here: https://jenhemphill.com/community  The post, Are You Setting the Wrong Money Goals? | HDM 375 appeared first on the Her Dinero Matters Podcast.

Have you found yourself not achieving your money goals this year? It may be that you are setting the wrong money goals. In this thought-provoking episode, we break down the layers to help you set meaningful money goals.Seven years ago I released an episode on how to win with money goals. Today, we're revisiting that advice - what holds up and what's changed? My aim is still the same: provide guidance to set financial targets that align with your values, not just resolutions that exhaust you.Join me as we challenge assumptions about goal-setting and map out a plan to genuinely serve your vision of financial freedom.In this episode you will learn:  How to set financial goals that make sense for your household's unique needs and current life season, not just standard resolutions. Ways to gain clarity on goals by brainstorming details on what you want and why it matters, asking key questions to unlock your motivation. How flexibility and self-compassion are key to your money goals in the face of life's twists. For a quick recap of this episode go to http://www.jenhemphill.com/375Grab your spot and join us for this year's event. Get all the details here: financiallystronglatina.comJoin our community on Facebook here: https://jenhemphill.com/community The post, Are You Setting the Wrong Money Goals? | HDM 375 appeared first on the Her Dinero Matters Podcast.

Imagine a life where money signifies confidence, not stress. A life where each financial choice moves you toward wellness. A life where your financial health is nurtured like your physical and mental wellbeing. This isn't just about budgeting - it's a lifestyle of true financial self-care, available to you. Self-care is essential, but nurturing your financial health is often overlooked. This episode focuses on integrating financial self-care to minimize money stress, gain confidence, and tackle those life surprises with ease.Learn all about the foundation for true financial wellbeing - with savvy financial self-care strategies designed for you to flourish, not just survive. Implementing financial self-care will help you redefine your relationship with money and unlock the lifestyle you deserve!In this episode you will learn:  What is financial self-care and how it will transform your finances.  4 areas of financial self-care you can't ignore and examples of eachWhat exact questions you can ask yourself to choose the area of financial self-care to focus on. For a quick recap of this episode go to http://www.jenhemphill.com/374Grab your spot and join us for this year's event. Get all the details here: financiallystronglatina.comJoin our community on Facebook here: https://jenhemphill.com/community The post, The Four Pillars of Financial Self-Care | HDM 374 appeared first on the Her Dinero Matters Podcast.

Imagine a life where money signifies confidence, not stress. A life where each financial choice moves you toward wellness. A life where your financial health is nurtured like your physical and mental wellbeing. This isn't just about budgeting - it's a lifestyle of true financial self-care, available to you.  Self-care is essential, but nurturing your financial health is often overlooked. This episode focuses on integrating financial self-care to minimize money stress, gain confidence, and tackle those life surprises with ease. Learn all about the foundation for true financial wellbeing - with savvy financial self-care strategies designed for you to flourish, not just survive. Implementing financial self-care will help you redefine your relationship with money and unlock the lifestyle you deserve! In this episode you will learn:  What is financial self-care and how it will transform your finances.  4 areas of financial self-care you can't ignore and examples of eachWhat exact questions you can ask yourself to choose the area of financial self-care to focus on. For a quick recap of this episode go to http://www.jenhemphill.com/374 Grab your spot and join us for this year's event. Get all the details here: financiallystronglatina.com Join our community on Facebook here: https://jenhemphill.com/community  The post, The Four Pillars of Financial Self-Care | HDM 374 appeared first on the Her Dinero Matters Podcast.

Have you ever stayed in an Airbnb and wondered about the business behind it? Maybe you were asking yourself: What does it take for an Airbnb to be profitable, what are the key startup costs, etc.  You have questions and we've got answers! Get the inside scoop on Airbnb hosting straight from Superhost, Whitney Hansen! You'll leave with a clear blueprint for estimating costs, financing unique properties, and calculating profitability before even making a decision. In this episode, you will learn about everything you need to know to turn your hosting dreams into a lucrative reality. Whitney Hansen is a financial coach, speaker, and host of the award-winning podcast The Money Nerds. She has been featured on major outlets like Forbes, CNBC, and Yahoo! Finance for her money expertise. After rapidly paying off $30,000 in 10 months, buying a home at 19, she discovered her passion - helping millennials gain control of their finances. Like many of us she enjoys travel, teaching personal finance, testing side hustles, and building one-of-a-kind Airbnbs. In this episode you will learn:  Tips for researching the profitability of Airbnbs in your area. Strategies to test when operating an Airbnb business. Why financing unique Airbnb properties can be challenging compared to traditional homes. For a quick recap of this episode go to http://www.jenhemphill.com/373 Grab your spot and join us for this year's event. Get all the details here: financiallystronglatina.com Join our community on Facebook here: https://jenhemphill.com/community  The post, Is Airbnb profitable? Lessons from Superhost Whitney Hansen | HDM 373 appeared first on the Her Dinero Matters Podcast.

Have you ever stayed in an Airbnb and wondered about the business behind it? Maybe you were asking yourself: What does it take for an Airbnb to be profitable, what are the key startup costs, etc. You have questions and we've got answers!Get the inside scoop on Airbnb hosting straight from Superhost, Whitney Hansen! You'll leave with a clear blueprint for estimating costs, financing unique properties, and calculating profitability before even making a decision. In this episode, you will learn about everything you need to know to turn your hosting dreams into a lucrative reality.Whitney Hansen is a financial coach, speaker, and host of the award-winning podcast The Money Nerds. She has been featured on major outlets like Forbes, CNBC, and Yahoo! Finance for her money expertise.After rapidly paying off $30,000 in 10 months, buying a home at 19, she discovered her passion - helping millennials gain control of their finances. Like many of us she enjoys travel, teaching personal finance, testing side hustles, and building one-of-a-kind Airbnbs.In this episode you will learn:  Tips for researching the profitability of Airbnbs in your area. Strategies to test when operating an Airbnb business. Why financing unique Airbnb properties can be challenging compared to traditional homes. For a quick recap of this episode go to http://www.jenhemphill.com/373Grab your spot and join us for this year's event. Get all the details here: financiallystronglatina.comJoin our community on Facebook here: https://jenhemphill.com/community The post, Is Airbnb profitable? Lessons from Superhost Whitney Hansen | HDM 373 appeared first on the Her Dinero Matters Podcast.

Have you ever felt the panic desperately trying to figure out how to cover extra expenses that arose that month? Your carefully planned budget suddenly crumbled, with extra expenses piling up and your emergency fund already tapped.In your desperation of trying to find a way to cover costs, you think "I can't take this anymore!" Even when you had cut back dining out and made sensible choices, somehow you still spiral. If this sounds familiar, you're not alone.Today we'll uncover this overlooked error to transform how you plan and manage money. You'll gain a blueprint for budgeting that sticks, building emergency savings that lasts, and breaking the debt cycle. Get ready to gain confidence on how you manage your money, but for good this time. In this episode you will learn:  How not planning for occasional expenses like birthday gifts or car repairs is a common financial mistake.  The two parts of budgeting that are not talked about.  A 4 step calendar approach to create a more realistic budget. For a quick recap of this episode go to http://www.jenhemphill.com/372Grab your spot and join us for this year's event. Get all the details here: financiallystronglatina.comJoin our community on Facebook here: https://jenhemphill.com/community The post, The Number One (Hidden) Financial Mistake | HDM 372 appeared first on the Her Dinero Matters Podcast.

Have you ever felt the panic desperately trying to figure out how to cover extra expenses that arose that month? Your carefully planned budget suddenly crumbled, with extra expenses piling up and your emergency fund already tapped. In your desperation of trying to find a way to cover costs, you think "I can't take this anymore!" Even when you had cut back dining out and made sensible choices, somehow you still spiral. If this sounds familiar, you're not alone. Today we'll uncover this overlooked error to transform how you plan and manage money. You'll gain a blueprint for budgeting that sticks, building emergency savings that lasts, and breaking the debt cycle. Get ready to gain confidence on how you manage your money, but for good this time.  In this episode you will learn:  How not planning for occasional expenses like birthday gifts or car repairs is a common financial mistake.  The two parts of budgeting that are not talked about.  A 4 step calendar approach to create a more realistic budget. For a quick recap of this episode go to http://www.jenhemphill.com/372 Grab your spot and join us for this year's event. Get all the details here: financiallystronglatina.com Join our community on Facebook here: https://jenhemphill.com/community  The post, The Number One (Hidden) Financial Mistake | HDM 372 appeared first on the Her Dinero Matters Podcast.

Financial worries weigh on our peace of mind. Is it possible to confront your money history, balance spending habits, and shift perspectives? The answer? Absolutely yes! You will learn exactly how in this episode. Money is deeply emotional and healing those feelings is key to finding peace of mind in your finances. The good news is that you can transform those old money pains and traumas yourself and have “happy money”. .  Today you'll learn how to do it and also how to confront your financial past, find balance in saving and spending, and embrace gratitude with the great teachings of Ken Honda. Ken Honda, Japan's leading voice on money and happiness. He is a top-selling author in Japan, boasting over eight million books sold since 2001. His book "Happy Money: The Japanese Art of Happy Living" introduced the concept of treating money as a means of happiness rather than just accumulation of wealth. In this episode you will learn:  What “happy money” is and why embracing it with gratitude improves your money experience. The only two key money problems that exist. The one action you have to take to turn things around. Understanding your dominant money type and how it helps you find balance.  For a quick recap of this episode go to http://www.jenhemphill.com/371 Grab your spot and join us for this year's event. Get all the details here: financiallystronglatina.com Join our community on Facebook here: https://jenhemphill.com/community  The post, Finding Peace of Mind in Your Finances with Best Selling Author Ken Honda | HDM 371 appeared first on the Her Dinero Matters Podcast.

Financial worries weigh on our peace of mind. Is it possible to confront your money history, balance spending habits, and shift perspectives? The answer? Absolutely yes! You will learn exactly how in this episode. Money is deeply emotional and healing those feelings is key to finding peace of mind in your finances. The good news is that you can transform those old money pains and traumas yourself and have “happy money”. . Today you'll learn how to do it and also how to confront your financial past, find balance in saving and spending, and embrace gratitude with the great teachings of Ken Honda.Ken Honda, Japan's leading voice on money and happiness.He is a top-selling author in Japan, boasting over eight million books sold since 2001. His book "Happy Money: The Japanese Art of Happy Living" introduced the concept of treating money as a means of happiness rather than just accumulation of wealth.In this episode you will learn:  What “happy money” is and why embracing it with gratitude improves your money experience. The only two key money problems that exist. The one action you have to take to turn things around. Understanding your dominant money type and how it helps you find balance.  For a quick recap of this episode go to http://www.jenhemphill.com/371Grab your spot and join us for this year's event. Get all the details here: financiallystronglatina.comJoin our community on Facebook here: https://jenhemphill.com/community The post, Finding Peace of Mind in Your Finances with Best Selling Author Ken Honda | HDM 371 appeared first on the Her Dinero Matters Podcast.

Money issues test many relationships. But with empathy for your varying money styles, unity is possible. Navigating money conversations is key, whether newly dating or married for years. Learning how to understand each other's backgrounds, budgeting together, and championing each other's dreams creates harmony. Today, Karina Daves provides a fresh approach to foster financial unity in your relationship.Karina is a relationship coach empowering women to elevate their marriages using insights from her background as a social worker and professor. With over 200,000 social media followers, her videos have amassed nearly 25 million views.In this episode you will learn:  The importance of understanding each other's money values and histories before entering a partnership. Strategies for fostering financial transparency in your money conversations whether it be on debt, aspirations, and more. Tips for aligning financially with your partner by understanding and championing diverse money styles and passions. How triggers in relationships drive self-growth and understanding, subsequently enhancing couple communication and harmony. For a quick recap of this episode go to http://www.jenhemphill.com/370Grab your spot and join us for this year's event. Get all the details here: financiallystronglatina.comJoin our community on Facebook here: https://jenhemphill.com/community The post, How to Unite Different Money Styles in Your Relationship | HDM 370 appeared first on the Her Dinero Matters Podcast.