Manage Money Build Wealth Podcast

On today's episode, I talk about why and how I want us to become wealth builders and not just any old wealth builder but a "Legacy-Minded Wealth Builder"!  This year and beyond! Enjoy the episode!   LET'S CONNECT ON SOCIAL! Instagram: @gwendolynjuleus Email:  gwen@gwendolynjuleus.com Facebook Page: Position-Yourself-For-Wealth  Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

On today’s episode, we talk about why you MUST eliminate debt from your life IF you ever want to build wealth in your life. And if you are independently wealthy, this isn't for you.  This is for the woman that diligently works hard everyday but still isn't making strides in her financial life.  This is for the woman who just simply did not realize the toll that debt was taking on her future.  This is for the woman who wants to embrace the mindset to build wealth, make the choice to build wealth, create habits that build wealth, and get that wealth-building momentum started and don’t ever wanna stop! Enjoy the episode. Learn about the "Position Yourself For Wealth" framework here!  Take advantage of our beta phase and get my personal attention throughout the  program!   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

On today’s episode, I talk about the four things I wish someone would have told me about money when I was 18 years old and before I left my parent's home to go out into the "big bad world"!  The first thing is that the environment you grow up in will definitely affect your thoughts and actions when it comes to money.  The second thing is that you need to have a plan for your money. The third thing is that you need to own something.   And the fourth thing is that you need to educate yourself about money and seek mentorship on the topic. Enjoy the episode.   Here is a link to learn about or join my program while it is still in its beta phase:  "Position Yourself For Wealth"!⁠   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

On today’s episode we talk about some of the pros and cons of new construction homes versus resale homes! Here is a link to learn about or join my program while it is still in its beta phase:  "Position Yourself For Wealth"!⁠   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

On today’s episode we talk about how my busy life cost me over $2000 of my hard-earned money!!  I was in the military, bought a house, rented it, forgot about my HOA fees, got super busy moving around in the Army, couldn't keep up with my mail, and it cost me in the end!  Learn from my mistakes, do not let an overly busy lifestyle cost you YOUR hard-earned money! Here is a link for a 20-minute free consult and here is the link to learn about or join my program while it is still in its beta phase:  "Position Yourself For Wealth"!⁠   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

On today’s episode I discuss how you can attend college and NOT end up in six figures worth of student loan debt afterwards.  We talk about working your way through college, getting federal and state aid, and getting FREE MONEY through scholarships! Here is a link for a 20-minute free consult and here is the link to learn about or join my program while it is still in its beta phase:  "Position Yourself For Wealth"!⁠   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

On today’s episode we do part three of personal finance terms in plain English!  And we tackle the subject of credit cards and the terms associated with them that may be tripping you up if you do not fully understand the definition. I also talk about my belief that all the answers to the questions we have about how to manage our money and possessions are in the Bible! I make the announcement that I have officially reached 1000 downloads!  And I offer YOU a FREE gift because I am grateful to you for being a listener!!   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

On today’s episode I finish what I started last week by talking about personal finance terms in plain English that have to deal with car buying! I talk about this because I know this one trips up a lot of people--myself included! I tell my own personal horror story of that one time, when I was 27 years old, and was put into a car lease when I specifically said that was the one thing that I did. not. want!   Then we discuss the 5 personal finance terms normally heard when dealing with car buying.     LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

On today’s episode we will be talking about personal finance terms in plain English!  And you may be asking yourself-- What is she talking about - "personal finance terms in plain English?" Well, I break personal finance terms for those of us that do not work in the financial space!  Because for many people, the majority of personal finance terms can seem like a foreign language! But, I believe that financial terms can be broken down so that anyone can understand them!  And that is what I do in this episode--I break down 5 personal finance terms that are commonly heard when dealing with homeownership!     LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

On today’s episode I discuss how if we just start to make little moves in the right direction with our personal finances, it will yield you big results.  I give two very real examples from my own life and encourage anyone who is looking to have a better financial future to start with "the little things". You do not have to go to the extreme or overwhelm yourself, just start with the little things.  When a person wants to change their eating habits to a healthier one, they start with little changes in that direction.  Like eating their calories instead of drinking them.  And those little things end up yielding big results.   I want to encourage you to start with the little things.  And I am willing and able to help you.  So if you need help to lay a solid, sustainable financial foundation, I am still offering a free 20 minute consultation. Here is the link for the 20-minute free consult and here is the link to learn about or join my program while it is still in its beta phase:  "Position Yourself For Wealth"!⁠   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

On today’s episode I discuss how you can position yourself for wealth.  I give you five criteria and if you fall within any of those five things, I can help you change your financial life.  I can help you better plan, systematize, and organize your financial life. I can show you how to build a solid, sustainable financial foundation so that you can have peace and joy in your financial life.  I end by giving you an opportunity to schedule a 20-minute free consultation with me so that you can see if my program "Position Yourself For Wealth" is the program for you.   Here is the link for the 20-minute free consult and here is the link to learn about or join the program while it is still in its beta phase:  "Position Yourself For Wealth"!⁠     LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

On today’s episode, I continue my interview with Samantha Salmon.  Samantha is a native New Yorker who currently lives in Los Angeles with her husband.  She is a Certified Integrative Nutrition Coach and author of the book You Can Afford To Be Healthy.   Samantha and I finish up our interview laughing and having a good time talking about the current food policy she is working on, that is designed to help provide affordable, healthy food for people in marginalized communities where she lives in Los Angeles. We talked about how she grew up with a lot more privileges than she realized when she was young.  We also talked about getting to the root of issues that lead to poor health and wealth and more.    We really had a great time diving deep into all things health and wealth and I think you are in for a real treat and will thoroughly enjoy this second half of my interview with Samantha!   I am still accepting *beta members for my new program "Position Yourself For Wealth"!⁠ You can follow Samantha on IG here and subscribe to her podcast here.  You can also purchase her book here.   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

On today’s episode, I interviewed Samantha Salmon.  Samantha is a Certified Integrative Nutrition Coach and author of the book You Can Afford To Be Healthy.  Samantha has a very interesting story to tell about how your health is wealth.  Personally, I think a lot of people miss this and think that physical and mental health has nothing to do with wealth, but I believe that is false.  I believe it has everything to do with your wealth.  I think good health is wealth.   Well I hope you enjoy the interview and I do have to apologize that I made a rookie mistake and forgot to start the recording at the beginning of our episode, but don’t worry you didn't miss much, enjoy!   I am still accepting *beta members for my new program "Position Yourself For Wealth"!⁠   Samantha is going to be a speaker at the Revive Conference on January 31, 2021 and here is the link if you would like to see her participate in that:  Revive Conference. You can follow Samantha on IG here and subscribe to her podcast here.  You can also purchase her book here.   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

On today’s episode we talk about why we all need a basic understanding of financial literacy!  Because what I know from my own personal experiences is that even if you are  financially literate, you can still be duped!  I tell just that story in this episode and I give three reasons why you need to learn about money.  And the bottom line is that people are being lied to and taken advantage of and it needs to stop! I am still accepting *beta members for my new program "Position Yourself For Wealth"!⁠     LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

In this episode, we talk about goal-setting your way to financial freedom.  We talk about setting financial goals and accomplishing them by doing 5 things: Set goals that you are motivated to achieve, Set SMART goals, Write your goals down using pen and paper,  Make an action plan, and Stick with the plan!   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

Again, on today’s episode, the very first thing I talk about is my new program that I am offering entitled "Position Yourself For Wealth"!⁠ Then, I tell you about how the character trait of courage--physical and moral--played out in my life on separate occasions! We travel back to the OCS days and I relay a (somewhat) funny story of when I had to go out into the woods with boar hogs! Yikes!   And then I talk about a time that I needed moral courage during my military deployment to Iraq in 2005.  Enjoy!   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

There is still time to join the *beta cohort of my new program "Position Yourself For Wealth"!⁠  We kick off the first week of January! Schedule a call to learn more! In this episode, I tell you about how the character trait of hard work allowed me to start young and finish young!  I retired from the Army at the age of 40 and have been living the FIRE (financially independent/retire early) lifestyle ever since! It started when I was 17 and is still paying dividends to this day! Listen in to the latest chill-ax episode!    LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

Again, on today’s episode, the very first thing I talk about is my new program that I am offering entitled "Position Yourself For Wealth"!⁠ Then, I tell you about how the character trait of resilience proved to be useful in my life when I was challenged over and over again at a military school called Officer Candidate School (OCS).  I found myself in Columbus, GA on Fort Benning facing (IMO) sexism and racism as I tried to go from being an enlisted person (E6) in the Army to an Army Officer.   Listen in as I spin this tale, it's a doozey!    LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

On today’s episode, the very first thing I talk about is my new program that I am offering entitled "Position Yourself For Wealth"!⁠ Then, we chill-ax and I tell you about the times in my life when I have had to persevere.  And we get into how if you want to be able to accomplish things in your life and with your financial life-your money--you must be able to persevere!  Have tenacity.  Determination to make. it. happen. I’ve used perseverance in my military career to get to the point of retirement, I used it to run my very first Army Ten- Miler, I used it as a new mother, and I used it to complete a master’s program and get my degree! My confidence in my ability to do what I said I wanted to do was built with each thing that I persevered through and completed. And you can do the same thing.  I am no special unicorn.  I am a human--a mere mortal-- just like you.  So if I can do it, you can do it too.     LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

"Happy Podcast Anniversary To Me!"  My podcast is one year old now!  Wow, how time flies!⁠ ⁠ As a gift to my listeners for helping me to reach this milestone, I am offering a free 30-minute coaching session to the first 5 people who sign up!  Here is the link, sign up, and let's get you on your way to financial freedom!⁠ ⁠ On today’s episode, the very first thing I talk about is my new program that I am offering entitled "Position Yourself For Wealth"!⁠ ⁠ I'm so excited to finally be able to help women the way that I truly desire to help them by walking them through my 9-week live group coaching program designed to help them get their mind right, master their money, and plan for their future! ⁠ ⁠ So if this sounds like you, check it out at this link--you won't regret it!⁠ ⁠ The next thing I talk about is legacy! And if you have given any thought to what yours will be?!  I have. I want to leave a legacy for my daughter--for my daughter's children... what about you?  What will your legacy be?⁠ ⁠ I hope you enjoy this episode and think about what your legacy will be!⁠ Sign up for the free consultation below! Free 30 Minute Consultation   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

Here is the link for my program Position Yourself For Wealth! On today’s episode we talk about the art of backward planning to accomplish ANY task or goal that you want to accomplish! I give three examples from my own life when I had a seemingly unsurmountable goal in front of me and I was able to use backward planning to get.it.done! Enjoy!    LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

On today’s episode we talk about how to plan for the financial future you want.  First we talk about short, near, and long term financial plans. Just looking at this year alone, I saw everyday things that will cost money and I didn’t even do any hard digging to come up with those! Once we get past this year and start looking a little further out, we see what major purchases we need to make and if we are financially prepared for them.  We talk about moving past the foundational stuff of getting “a hold of” our income and expenses and then we discuss how we can do some preliminary estate planning.  Nothing complicated, we just take one step of checking our bank accounts to see if we have payable-on-death beneficiaries on our accounts.  We talk a little about life insurance policies and if they are sufficient for our family’s needs.   Then we end by thinking about the financial legacy we want to leave behind.   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

In today's episode we are going to talk about the fact that I am hosting a free live webinar on this Friday, November 13th at 7pm CST!! If you want to learn how to get your mind right, master your money, and plan for your future...then I am inviting you to sign up for my webinar. Here's the link!  During the webinar I will go over the way you can lay a sustainable financial foundation for yourself and your family and get your money alllll the way lined up and in order! So if you are someone who is tired of being sick and tired when it comes to your money, feel like you should be in a better position than you are, so there’s some shame around your money, or someone who is like “ i know I need to do better, I just don’t quite know how”...then this webinar is for you! See you at the webinar, click the link to register: Position Yourself For Wealth Webinar   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

On today’s episode, the very first thing I talk about is my FREE LIVE Webinar that I am hosting on Nov 13th!  And how if you want to get your mind right, master your money, and plan for your future--you need to register for this webinar!! REGISTER HERE! Register for the webinar and I’ll see you Live on November 13th with alllll the juicy details!!!! The next thing I talk about is how you get the pleasure of getting to know me, your host, a little bit better!  I am coming up on my one year anniversary of the podcast, so I thought I would end the year the way that I started it by telling you a little more about myself. I start off by talking about my siblings, my parents, and some of my childhood shenanigans.  I discuss my military career, my travels, life after the military, my family now, and my hobbies. I go on to talk about historic houses, cars, running half marathons, buying homes, music, and more! So I hope you enjoy this episode of getting to know me better!  See you at the webinar, click the link to register: Position Yourself For Wealth Webinar   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

On today’s episode, we talk about the reason why I have 13 different bank accounts! And the main reason is because the automation makes my life super-duper easy! ⁠ ⁠ I am a person who is drawn to systems. I believe that anyone can accomplish anything as long as there is a system. ⁠ ⁠ So, my 13 bank accounts represent a systematic way of organizing my money so that my financial life runs easily and smoothly without any complications. ⁠ ⁠ I do not have to waste my brain power thinking about my money--I can use that brain power for other, more important things. ⁠ ⁠ So listen up and hear how each account makes sense in my life!   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

In this episode, we are talking about budgeting your way to financial freedom.  And I ask the question:   “If you do not budget your money, how do you account for your money?”   And I ask this question because some people do not believe in using budgets (and that’s okay)! But I remember, when I wanted to get my life allll the way together---the first thing that I did was sit down and do a budget.   And with the current economic troubles, I think everyone should consider using a budget to take stock of your personal financial situation. So let’s dig into the 7 quick steps of an easy budget!   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@gwendolynjuleus.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

Thank you to all of my listeners!!!!  Your support of the podcast means so much to me! In today’s episode, I start off by referring you to listen to Rachel Rodger’s podcast episode on “Why Your Vote Matters”--so go listen, you don’t want to miss it! Then we get into what a Totten Trust is and why you need one.  They are super-duper easy to set up and will provide you and your family with just the thing you need most, when you need it most.   So take a listen and take action!  It’s “too easy”!    Rachel Roger's podcast episode #61 "Why Your Vote Matters".   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

On today’s episode we chat! And we chat about what everyone has been talking about lately---the coronavirus! And I talk about this from the standpoint of how beneficial it would be during this time to NOT be living a paycheck-to-paycheck existence.   I offer three tips and suggest that you a. re-evaluate your life, b. simplify your life, and c. have a contingency plan for your life!   I also suggest that you read Psalm 91 so that you can be encouraged that God is our refuge and our fortress in times like these! LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

This podcast is designed to give you the fundamentals you need to manage your money and build wealth in your life.  So today we are going through days 24-30 of a little something that I call “30 Days & 30 Ways To Better Finances”.  We get into car insurance, free movies from the library, entertaining at home, car insurance deductibles, mortgage refinances, dry cleaning, and handwritten letters vs store bought greeting cards. Let’s do it!     LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

This podcast is designed to give you the fundamentals you need to manage your money and build wealth in your life.  So today we are going through days 18-23 of a little something that I call “30 Days & 30 Ways To Better Finances”.  We get into sales, habits, fuel usage, snacks, water, and car maintenance! Let’s do it!     LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

This podcast is designed to give you the fundamentals you need to manage your money and build wealth in your life.  So today we are going through days 13-17 of a little something that I call “30 Days & 30 Ways To Better Finances”.  We get into car washes, luxury personal care services, magazine and book subscriptions, streaming services, and that darn Amazon app!  Let’s do it!   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

Today we are stilling talking about 30 Days & 30 Ways To Better Finances, so we are going to continue on with our list and kick it off with ways to save on food, then move on to cars and insurance! If you missed the first part, go and listen to episode 31 from last week and you will catch up on the first 5 days.   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

This podcast is designed to give you the fundamentals you need to manage your money and build wealth in your life.  So today we dive head first into a little something that I call “30 Days & 30 Ways To Better Finances”.  I give you the first five of 30 days and 30 ways that you can better your finances.  Let’s go!   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

So!  On today’s episode we talk about debt-to-income ratio!  What it is and why it is important for you to know yours if you want to do ANYTHING with credit!   I give you the formula and the 1-2-3 simple process! Happy calculating!!!! I also finish gushing over the reviews that I have received on the podcast thus far!   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

Today's episode is part two of my interview with Stephanie Davis of Finances on Point! We finish the interview by talking about how Stephanie had a mindset shift and changed her dominant thought from 'buying whatever she wanted with her hard earned money….' to 'paying off her debt and buying her very first rental property'. It was a really great interview with a lot of valuable lessons for anyone who is trying to figure out how to stop spending so much, save, and get themselves in a better position financially. So here’s part two!   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

Today you get to enjoy an interview that I did with Stephanie Davis of Finances on Point!  That is her Instagram name and also the name of her website!  Stephanie is a Certified Financial Educator, Real Estate investor, and Creator of Finances On Point - a financial empowerment community that teaches women to destroy the paycheck to paycheck cycle so they can create wealth and live life on their terms.  This is part one of a two-part interview because Stephanie and I got to talking about money and the time just flew! We had a great time talking about how graduating with a degree in finance and being commissioned as a Finance Officer in the Army still did not insulate her from having personal finance issues or money issues. Stephanie's social media and website: IG:  @Financesonpoint_ Website:  Finances On Point   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

Today we are talking about how you can use the tool of  bankruptcy to salvage your financial life if coronavirus has taken an affect on you.  We are not talking about people trying to use the system to get over.   No.  We are talking about if this pandemic has put you in a tough spot financially and if you qualify to file for bankruptcy, then you should use the tool that is available to you.  No shame. We talk about what bankruptcy can do for you, what bankruptcy cannot do for you, the significance of the term “automatic stay”, the types of bankruptcy you may be eligible to file, and how it will affect you.   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

In this episode, I discussed and gave examples of six “bad money habits” I developed because I grew up poor.  I recounted my personal saga of how I either spent too much or too little money, how I didn't do my research and it cost me dearly, how I didn't “get. it. in. writing” and got burned and finally, how I didn't understand where I really needed to be spending my money.     LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

Today we are talking about why we all need to understand the economic concept of “the time value of money” which basically means that “a dollar today isn’t the same as a dollar tomorrow”.   I also refer back to Episode 9 when I talked about Opportunity Cost and how I missed out on the huge benefit of these two economic concepts because I did not correctly apply them! LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

In this episode, we are talking about budgeting your way to financial freedom.  And I ask the question:   “If you do not budget your money, how do you account for your money?”   And I ask this question because some people do not believe in using budgets (and that’s okay)! But I remember, when I wanted to get my life allll the way together---the first thing that I did was sit down and do a budget.   And with the current economic troubles, I think everyone should consider using a budget to take stock of your personal financial situation. So let’s dig into the 7 quick steps of an easy budget!   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

Today we talk about buying a car you can actually afford! And we aren’t just talking about making the car payment to the finance company either!   We dig deeper and see if you can afford all four, yes four, elements of owning a car!     We discuss the rising cost of everything in 2020, but we focus on cars in particular!   And we see if you can do all four steps to buy a car you can truly afford!   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

In this episode, we talk about how I was able to level up my life and my money!  We talk about leveling up in life & leveling up your financial life and how in 1999 I increased my income by over $800 a month.  I was 27 years old and that was the largest pay raise I’d ever received since I began working at the age of 16, so I was over the moon!!!! So “what had happened was” I was presented with an opportunity to transition from being an Enlisted person in the military to becoming an Officer.  I took it.  And my whole life changed!   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

In this episode, we talk about goal-setting your way to financial freedom.  We talk about setting financial goals and accomplishing them by doing 5 things: Set goals that you are motivated to achieve, Set SMART goals, Write your goals down using pen and paper,  Make an action plan, and Stick with the plan!   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

In this episode, I complete part two of a listener request episode on how to build and maintain a high credit score.   I start out discussing the number one thing that you need to do to improve and maintain your credit score---keep a stellar payment history!  If you PAY YOUR BILLS ON TIME, it makes up 35% of your credit score! We also discuss correcting errors on your credit report, checking potentially negative items, and having old items removed. I also talk about using a synchronization matrix as a planning tool to help you stay organized and on top of your tasks.   We discuss credit utilization ratio, credit history, new credit and types of credit--and how all of them affect and make up your credit score. I end the episode by offering words of encouragement that you can indeed increase your credit score and I give you two documents that help you do exactly that!     LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus    

In this episode, I give a *shout out* to listener Shavon Sykes of Montgomery, AL and talk about how to build and maintain a high credit score.   And this may seem like “basic info-everybody knows that” but trust me, everyone does not know this!  I wish I would have had someone to explain these sort of things to me when I was just starting out on my financial freedom journey. In my own life, I was always able to maintain a high credit score even though, I knew nothing about credit or credit scores when I first started out.  So I hope the information that I discuss here today will serve as a foundational building block for your financial journey! I want to talk about the topics you want to hear, so if you have any financial questions that you would like an answer to, DM me on Instagram or send me an email at gwen@managemoneybuildwealth.com!    LET’S CONNECT ON SOCIAL! Instagram: managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus  

In this episode, I talk about how an outdated mindset that I had about money kept costing me money!   And I urge you to think about your own money mindset and challenge you to see if it is costing you money! My solution for this:  Look at your own financial values and goals!!  Because I believe that before you can begin to lay a financial foundation, you must understand your own values and goals when it comes to money.   You need to be aware of your thoughts about money and your attitude toward money. Thanks so much for listening to the podcast, if you haven’t already, please subscribe and leave a 5-star rating!    LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus    

On today’s podcast I talk about 7 money lessons that I learned the hard way-- over the years!  I “share the wealth” as they say, in case you do not know these things either, since personal finance is one of my favorite topics!! We discuss new construction versus resale properties, new construction additional expenses, overdraft fees,  the value of budgeting your money, major credit cards compared to retail store credit cards, the expense of education and degrees, and assets and liabilities.    LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

On this episode, we bid farewell to Financial Literacy Month and discuss what is financial literacy and why it is important to know.   We talk about how your environment can greatly contribute to you being either financially literate or financially illiterate. We talk about acting rich and why that is not a good idea and how you can easily fall into that trap if you have no idea what financial literacy really is. LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

On today’s podcast we talk about taxes and how to keep more of your hard earned money in your own bank account instead of the government’s account because a huge part of managing your money is not paying unnecessary money to the government in taxes!  I give 5 strategies that you can use to reduce the amount of taxes you pay on your income and at the end of this episode, I give 3 pointers to managing your money via tax planning.   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

In this episode, we will talk about the one thing that was crucial to me reaching FIRE in my financial journey!   By God’s wonderful grace, I was able to reach FIRE--financial independence retire early--when I was 40 years old….And I did not starve/deprive myself to do it! The tool that helped me to achieve this feat get’s a bad rap!  It’s not popular nor sexy, but it’s the B Word...BUDGET! I achieved FIRE by using a budget!!!!! I start out talking about this because none of the other tools, tips, or strategies that I mention will make a difference, if you do not or will not budget your money.     A budget is simply:  income minus expenses.  That’s it. And, in my opinion, it’s the best way to financial freedom. I talk about how I used my budget in two separate instances as a forecasting tool to help me see where I wanted to be and how to get there!   Thanks so much for listening to the podcast, if you haven’t already, please subscribe and leave a 5-star rating!  I want to talk about the topics you want to hear, so if you have any financial questions that you would like an answer to, DM me on Instagram or send me an email at gwen@managemoneybuildwealth.com!   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus

Happy Financial Literacy Month yall!!!!!   On today’s episode we do part three of personal finance terms in plain English!  And we tackle the subject of credit cards and the terms associated with them that may be tripping you up if you do not fully understand their definition. I also talk about my belief that all the answers to the questions we have about how to manage our money and possessions are in the Bible! I make the announcement that I have officially reached 1000 downloads!  And I offer YOU a FREE gift because I am grateful to you for being a listener!!   LET’S CONNECT ON SOCIAL! Instagram: @managemoneybuildwealth Email:  gwen@managemoneybuildwealth.com Facebook Page: www.facebook.com/managemoneybuildwealth Twitter: @GwendolynJuleus LinkedIn: Gwendolyn Juleus