Savvy Brown Girl

Imagine a future where you're living comfortably because you made smart decisions about your retirement savings now. That's the promise we're making in today's episode of the Savvy Budget Girl podcast. We're exploring the reasons you might be tempted to dip into your retirement savings early and why you should resist it. We're also distinguishing between taking a loan and withdrawing from your retirement account and the potential tax implications.Have you heard of the term 'hardship withdrawal'? We explain what the IRS considers a hardship and the conditions that might allow one to access funds without penalty. But remember, always consult with a tax advisor. We then move on to the subject of 401k loans, dissecting the allure of quick cash and the pitfalls that come with it. It's all about equipping you with the knowledge to make the best financial decisions for your future.Ready to launch your podcast for fun and profit? Click the link below or contact me on IG at @savvybudgetgirl! Resources from today's episode:https://www.fidelity.com/viewpoints/financial-basics/taking-money-from-401k https://www.debt.org/retirement/401k-loan/ https://www.investopedia.com/financial-edge/1112/average-cost-of-an-american-christmas.aspx https://wendycoop.as.me/podcastlaunch 

Recorded live at Podcast Movement 2023 in Denver!Are you constantly racing against time, feeling like budgeting is a luxury you can't afford? You needn't compromise your financial health due to time constraints, and I'm here to show you how. Welcome to this episode of Savvy Budget Girl, where we discuss practical, time-efficient budgeting strategies that can work for even the busiest individuals.We delve into the benefits of a zero-based budget and the pitfalls of leaving money unallocated. Whether you're a techie who loves using budgeting apps like Mint and YNAB, or you prefer the old-school pen-and-paper method, we've got tips for you. We also discuss the merits of automatic savings, the 50-30-20 rule for budgeting, and techniques like cash envelopes for discretionary spending. And if you're a foodie, we've got some smart advice on meal planning and grocery shopping that can help you avoid splurges and save more. Tune in to take control of your finances today!Complete show notes at http://savvybudgetgirl.com

Recorded live at Podcast Movement 2023 in Denver!Are you exhausted by living paycheck to paycheck and constantly worrying about your finances? What if I told you there's a simple yet powerfully effective method you can use to break free from this cycle? Welcome to this episode of Savvy Budget Girl, where I shine a spotlight on the art of zero-based budgeting. This budgeting style is perfect for beginners, empowering you to assign a job to every dollar you earn and gain a handle on your finances. I'll also delve into the secrets of combining this model with the cash envelope system. Excited to pay off debts and start building generational wealth? Zero-based budgeting is your ticket to achieving these financial goals faster. In this episode, I walk you through the process of creating a zero-based budget that aligns with your financial aspirations. Let's take this journey together and make your money work harder for you. Remember, financial freedom is just a podcast episode away! Subscribe to the YouTube channel and join me in revolutionizing the way we handle our hard-earned cash.Complete show notes available at https://savvybudgetgirl.com

Looking to make $100 a day in 2023? If so, then you're in the right place! In this video, I'll share top money-making tips for the year that will help you boost your income! ******Grab your free money tracker at http://trackingmycoins.comRead the blog post:https://savvybudgetgirl.com/how-can-i-make-100-a-day/Join this channel to get access to the perks:https://www.youtube.com/channel/UCYGV-NQ1qM0RX6GIrzf89pw/joinGet a budget audit for a special price!https://wendycoop.ck.page/products/budget-auditBuy the merch!http://savvybudgetmerch.comBuy me a coffee:https://www.buymeacoffee.com/savvybudgetgirlYou can also visit the Etsy shop!https://www.etsy.com/shop/SavvyBudgetGirlTVThis video is NOT sponsored. Some product links are affiliate links, meaning if you buy something we'll receive a small commission.

Do you feel lost in the convoluted world of student loans? It's time to clear the fog and understand what the recent Supreme Court's rejection of President Biden's student loan plan entails for you. As someone who has navigated this labyrinth, I share my journey, which includes default, a resurge through the Fresh Start program, and articulating how to get ready for the recommencement of payments.Get ready to decode the cryptic terminologies and understand the implications of subsidized versus unsubsidized loans. Learn how to find out your loan interest rates and tips on budget planning. If you're still in school or struggling with a financial crisis, discover available options, including income-driven repayment, loan consolidation, and official deferment or forbearance. This episode equips you with the knowledge and resources to face your student loans head-on, so stop fretting and start planning.******Grab your free money tracker at http://trackingmycoins.comGet a budget audit for a special price!https://wendycoop.ck.page/products/budget-auditRead the blog:https://savvybudgetgirl.comBuy the merch!http://savvybudgetmerch.comBuy me a coffee:https://www.buymeacoffee.com/savvybudgetgirlYou can also visit the Etsy shop!https://www.etsy.com/shop/SavvyBudgetGirlTVThis video is NOT sponsored. Some product links are affiliate links, meaning if you buy something we'll receive a small commission.

Tune in for a debt confession update and find out what happened to my Capital One card...so embarrassing! ******Grab your Budget Binder Supplies! ➡️  https://amzn.to/3un7S3qWant to be on the channel and have your budget audited for FREE? Book an appointment at the link below:https://wendycoop.as.me/auditRead the blog:https://savvybudgetgirl.comFresh Start Program for student loans:https://studentaid.gov/announcements-events/default-fresh-startBuy the merch!http://savvybudgetmerch.comBuy me a coffee:https://www.buymeacoffee.com/savvybudgetgirlYou can also visit the Etsy shop!https://www.etsy.com/shop/SavvyBudgetGirlTVThis episode is NOT sponsored. Some product links are affiliate links, meaning if you buy something we'll receive a small commission.

A short and sweet episode this week on how I ALMOST got another credit card. Yikes! Enjoy the story!Join the FREE Community!https://www.facebook.com/groups/financialeducationinitiativeHYSA recommendations:https://www.nerdwallet.com/best/banking/high-yield-online-savings-accounts Read the blog:https://savvybudgetgirl.com Buy the merch!http://savvybudgetmerch.com Buy me a coffee:https://www.buymeacoffee.com/savvybudgetgirl You can also visit the Etsy shop!  https://www.etsy.com/shop/SavvyBudgetGirlTV This video is NOT sponsored. Some product links are affiliate links, meaning if you buy something I'll receive a small commission. 

Emergency Funds: Your Financial Safety Net!

Learn how to cut expenses and pay off debt faster with side hustle income. ******Grab your Budget Binder Supplies! ➡️  https://amzn.to/3un7S3qHire me to design your website:https://wendycoop.com/vip-dayRead the blog:https://wendycoop.comBuy the merch!http://savvybudgetmerch.comBuy me a coffee:https://www.buymeacoffee.com/savvybudgetgirlYou can also visit the Etsy shop!https://www.etsy.com/shop/SavvyBudgetGirlTVThis video is NOT sponsored. Some product links are affiliate links, meaning if you buy something we'll receive a small commission.

Learn how to cut expenses and pay off debt faster with side hustle income. ******Grab your Budget Binder Supplies! ➡️  https://amzn.to/3un7S3qHire me to design your website:https://wendycoop.com/vip-dayRead the blog:https://wendycoop.comBuy the merch!http://savvybudgetmerch.comBuy me a coffee:https://www.buymeacoffee.com/savvybudgetgirlYou can also visit the Etsy shop!https://www.etsy.com/shop/SavvyBudgetGirlTVThis video is NOT sponsored. Some product links are affiliate links, meaning if you buy something we'll receive a small commission.

In this video, learn how to have a debt-free Christmas! ******Grab your Budget Binder Supplies! ➡️  https://amzn.to/3un7S3qUSA Today article:https://www.usatoday.com/story/money/...Read the blog:https://savvybudgetgirl.comBuy the merch!http://savvybudgetmerch.comBuy me a coffee:https://www.buymeacoffee.com/savvybud...You can also visit the Etsy shop!https://www.etsy.com/shop/SavvyBudget...This video is NOT sponsored. Some product links are affiliate links, meaning if you buy something we'll receive a small commission.

Curious about Walmart Plus? Will you actually save money? Join in the convo! ******Grab your Budget Binder Supplies! ➡️  https://amzn.to/3un7S3qBuy me a coffee:https://www.buymeacoffee.com/savvybudgetgirlVisit my shophttps://savvybudgetgirl.comYou can also visit the Etsy shop!https://www.etsy.com/shop/SavvyBudgetGirlTVThis video is NOT sponsored. Some product links are affiliate links, meaning if you buy something we'll receive a small commission.

Should you save money or pay off debt? Or both? Listen in as I give you some things to consider so you can make the best decision.Savvy Budget Girl on YouTube:https://youtube.com/@savvybudgetgirlBuy me a coffee:https://www.buymeacoffee.com/savvybudgetgirlVisit my shophttps://savvybudgetgirl.comYou can also visit the Etsy shop!https://www.etsy.com/shop/SavvyBudgetGirlTVThis video is NOT sponsored. Some product links are affiliate links, meaning if you buy something, we'll receive a small commission.

Let's discuss the 6 top sinking funds I recommend for protecting your budget in 2023 and beyond!Savvy Budget Girl on YouTube:https://youtube.com/@savvybudgetgirlBuy me a coffee: https://www.buymeacoffee.com/savvybudgetgirl Visit my shop https://savvybudgetgirl.com You can also visit the Etsy shop! https://www.etsy.com/shop/SavvyBudgetGirlTV This video is NOT sponsored. Some product links are affiliate links, meaning if you buy something, we'll receive a small commission.

Let's talk year-end money moves for 2022 and goals and goal-setting for 2023. What are your goals for next year? Tag me on IG in your goals post!Buy me a coffee:https://www.buymeacoffee.com/savvybudgetgirlVisit my shophttps://savvybudgetgirl.comYou can also visit the Etsy shop!https://www.etsy.com/shop/SavvyBudgetGirlTVThis video is NOT sponsored. Some product links are affiliate links, meaning if you buy something, we'll receive a small commission.

In this episode, I review 4 types of budgets and the anti-budget so you can choose what works best for your money and household.Read the blog post here: https://savvybrowngirl.com/what-are-the-types-of-budgets-4-types-and-1-anti-budget/This episode is NOT sponsored. Some product links are affiliate links, meaning we'll receive a small commission if you buy something. 

Let's talk about 3 ways you can prepare for student loan payments to resume in January.This episode is NOT sponsored. Some product links are affiliate links, meaning if you buy something we'll receive a small commission. 

Learn my 5 top takeaways from a week of conferences, how to save money for the next one, and what I actually spent money on this time around.This episode is NOT sponsored. Some product links are affiliate links which means if you buy something we'll receive a small commission. 

Tune in for the five lessons I learned from self-publishing my book. This episode is NOT sponsored. Some product links are affiliate links which means if you buy something we'll receive a small commission. 

Learn Biblical money mindset with coach Charissa Quade! ******Grab your free Money Tracker today! ➡️ link http://trackingmycoins.com This episode is NOT sponsored. Some product links are affiliate links which means if you buy something we'll receive a small commission. 

Learn how Walli Miller when from overspender to the first millionaire in her family! ******Grab your free Money Tracker today! ➡️ link http://trackingmycoins.com Walli's website: https://financiallythriving.com/Walli on IG: @financially_thrivingThis episode is NOT sponsored. Some product links are affiliate links which means if you buy something we'll receive a small commission. 

Learn the one way NOT to build your emergency fund, how to actually fund it, and where to stash it. ******Grab your free Money Tracker today! ➡️ link http://trackingmycoins.com This episode is NOT sponsored. Some product links are affiliate links which means if you buy something we'll receive a small commission. 

Today we talk about three lessons I learned from budgeting! ******Grab your free Money Tracker today! ➡️ link http://trackingmycoins.com To read this episode as a blog: https://wendycoop.com/3-lessons-i-learned-from-creating-a-budget/This episode is NOT sponsored. Some product links are affiliate links which means if you buy something we'll receive a small commission. 

Today I discuss whether or not Dave Ramsey's baby emergency fund is enough! ******Grab your free Money Tracker today! ➡️ link http://trackingmycoins.com To read this as a blog: https://wendycoop.com/is-a-1000-baby-emergency-fund-enough-dave-ramsey/This episode is NOT sponsored. Some product links are affiliate links which means if you buy something we'll receive a small commission. To read this as a blog: 

Learn how to start a podcast. Wendy breaks down equipment for every budget level! ******  Grab your FREE beginner podcast guide ➡️ http://pastorpodcastguide.comThis video is NOT sponsored. Some product links are affiliate links which means if you buy something we'll receive a small commission. 

In this bonus episode, Wendy breaks down 5 common myths that keep people from starting a podcast! ******Schedule your free discovery call to launch your podcast: ➡️ https://wendycoop.com/callThis episode is NOT sponsored. Some product links are affiliate links which means if you buy something we'll receive a small commission. 

With everyone going back to amusement parks, how do you have a great time out and still save money?I've got those tips for you and more in this episode.Be sure to subscribe and leave a review on your favorite app and you could be featured in a future episode!Looking to start a podcast?Download your podcast beginner's guide at http://pastorpodcastguide.com

Have you ever wondered if you should take that low-paying freelance gig to build your portfolio? Is it tempting because you think if you do it quickly you'll make more money?In this episode, I dive into the truth about what it's really costing you to take those low-paying freelance gigs.Resources mentioned in the show:Profit First by Mike Michalowicz audiobook: https://amzn.to/3xrbcdsThink Media Podcast Shannon Mattern's Pep Talks for Side Hustlers Podcast https://shannonmattern.comGet your free money tracker:http://trackingmycoins.com

In this episode, we talk about 7 myths about money that are holding you back from succeeding and prospering.Grab your free landing page template athttps://technicallywendy.com

Do you want to save or pay off debt first? It's a tough question and one that we all need to answer. I go over the pros and cons of both options in this episode, so you can make the best decision for your personal situation!Grab your FREE money tracker at http://trackingmycoins.com

Welcome to the Savvy Brown Girl podcast where we talk about how to win with money.I'm your host, Wendy Coop, and this podcast is for all of you savvy women out there looking to make more, save, more, and end the paycheck-to-paycheck life.In future episodes, we will talk about all things money and business to get you on the road to making that coin and getting to financial freedom.Don't forget to subscribe to the show!Grab your FREE money tracker here: http://trackingmycoins.com