Podcasts about brunch budget

WinHers United the podcast is a women empowerment platform that is based on four pillars: business, mindset, personal development, and self-care. At WinHers United we believe these four pillars are necessary to be a successful entrepreneur. During each season, bi-weekly an ah-mazing Woman of Color entrepreneur is interviewed, and tells us more about her business, mindset, personal development, and self-care journey. Season 11 Episode 1 features Pamela Capalad - Certified Financial Planner™, Accredited Financial Counselor™, and Founder of Brunch and Budget. During this episode entitled “Budget Like a Boss”, Pam encourages us to get shameless about our finances and gives us various tips and tricks to do so. By having financial conversations, assessing our finances, and making changes that work for our lifestyle we can live a guilt free life of financial freedom. Listen in as Pam talks about:  The origins of her company Brunch and Budget Removing shame from finances Making financial conversations comfortable Taking the money personality quiz on Pam's website Money trauma and healing your relationship with money Dealing with the stress often associated with money Finding financial solutions that work for you and your personality The racial wealth divide and what we can do to make a difference Having a YOLO budget for your emotional needs How your net worth does not equal your self worth  How saving is a form of self-care And more Pam's Bio Pamela Capalad is a Certified Financial Planner™ and Accredited Financial Counselor™ and has been in financial services since 2008. She founded Brunch & Budget to help people who felt ashamed or embarrassed about money have a safe place to make real financial progress.  Pam has been featured in the Washington Post, Teen Vogue, Huffington Post, Vice Magazine, and was named New York Magazine's Best financial planner of New York 2019. Check out the Pam's website at: http://brunchandbudget.com Take Pam's Money Personality Quiz at: http://brunchandbudget.com/personality Follow Pam on IG, Twitter, and TikTok @brunchandbudget How to stay engaged with and support Nicole Walker and WinHers United Get your WinHers United merch at http://winhersunited.com/shop If you have any suggested questions or topics for WinHers United the podcast send an email to: winhersunited@gmail.com. If you would like to work with Nicole, book a call at http://winhersunited.com/bookacall. If you want to support to show send your donation to: CashApp: $winhersunited http://buymeacoffee.com/winhersunited Check out the WinHers United website at: http://winhersunited.com. As always "Be Empowered and Empower On" - Nicole Walker

Brian talks with Pamela Capalad, a CFP, Accredited Financial Counselor (AFC), and the founder of Brunch & Budget. Through Brunch & Budget, Pam helps people who feel ashamed or embarrassed about money have a safe and friendly place to talk about it and make real financial progress. Pam shares why it's important to tackle both the technical and emotional sides of money and why running a business mostly sucks.

Pam Capalad is the founder of Brunch & Budget, a financial planning and coaching firm based in New York City that focuses on first-generation immigrants and communities of color. Brunch & Budget uses a unique approach to clientele-building through brunch sessions with prospective clients, where they discuss budgeting and cash flow planning issues. These sessions often turn into ongoing financial coaching, and have allowed Pam to build a client base of nearly 200 clients paying as much as $300 to $900 per month for her services. In this episode, Pam shares how she has grown her monthly fee significantly from the early days, as well as how she now justifies fees that can sometimes be 3-4% of a client’s household income. We also dive into Pam’s business model and workflow with clients, discuss why she niched down to focus on people who typically don’t talk about money, and learn how working with first-generation immigrants is different than the typical financial planning client. For show notes and more visit: https://www.kitces.com/202

Our first of a number of episodes on COVID19 and the racial wealth divide, our first impressions on how Black and Latinx communities are affected, how to navigate the stimulus package, how have artists like Dyalekt been affected, small businesses like Brunch & Budget, and why neoliberalism won’t save us.

Today’s show is a follow-up episode to last week’s episode with guest Pam Capalad, who taught us how to take charge of our finances. Pam is a certified financial planner and accredited financial counselor in Brooklyn. She created this cool program called Brunch & Budget, which provides people a more comfortable space to talk about their money—over brunch with Pam. Pam gave so many great tips in that episode—and my interview with her served as a good kick in the pants for me to do a bunch of financial stuff I had been putting off or didn’t think I needed to do. So, in this episode, I’m going to update you on my progress and talk through why I did what I did. Hopefully, that will inspire you to take some needed steps to improve your financial situation. I took three steps after Pam’s episode aired last week: I used Pam’s 12-month cash-flow projection spreadsheet. Here’s how that works: At the beginning of the year, you try to anticipate how much money you will make that year and you determine what your income goals are. You can break this down month to month and client to client. Because we’re nearly finished with this year, I did a retrospective cash flow analysis, filling in how much money I already made this year each month and from each client and then analyzed that. I plan to use this spreadsheet again to plan for 2020.  I separated my personal and business accounts by opening up a second checking account just for business purposes. The plan is that I will deposit my checks into this second “business” account. I will pay all of my expenses out of that account. And then I will pay myself by transferring money from that new account into my old personal checking account to pay personal bills like my mortgage, utilities, groceries, etc. I opened a business-only credit card. Now, as Pam pointed out in the last episode, while having a separate business card will make tracking my expenses easier, credit card receipts DO NOT take place of actual receipts for individual items, especially in an audit. So you still need to keep all your receipts and hang on to them. So, that’s it. I’m on my way with these new financial commitments to myself. I’m going to project out my income by client and by month for 2020 and then track it better to see if I’m hitting my monthly financial goals.  I have a new checking account that will be business only, so I will have separated my personal and business finances. And I have a business-only credit card to help me better keep track of business expenses. I’d love to hear what areas of your finances you’ve made changes to lately or areas you’re struggling with. And feel free to send me questions for future guests. Also, please send me your financial tips—things you’ve done over the years to improve how you handle your money or improve your overall outlook on money. I’d love to hear from you. Email me at melanie@meledits.com or tweet me @MelEdits.   Biz Bite: Schedule a Power Hour   The Bookshelf: “The Lost Man” by Jane Harper   Resources: Episode 28 of Deliberate Freelancer: Take Charge of Your Finances, with Pam Capalad   Brunch & Budget 12-Month Cash Flow Projection Template—Download and use this worksheet.

Today’s guest is Pamela Capalad, a certified financial planner and accredited financial counselor in Brooklyn. Pam created this really cool program called Brunch & Budget, which helps people who feel ashamed or embarrassed about money have a safe and friendly place to talk about their finances—over brunch with Pam. I think this is genius. It makes people more comfortable and really open up to Pam, whose mission is to make financial planning as affordable as possible for the communities who need it most. We didn’t get into it in this episode, but Pam and her husband teach hip hop and finance workshops to kids, teens and college students across the country through a program called Pockets Change. They also host the Brunch & Budget podcast, where they discuss how personal finance and racial economic justice intersect. And—if that’s not enough—they started a financial planning program designed for the needs of people of color called See Change. In this episode, learn how Pam went from working in wealth management to financial planning—first, for her friends. A conversation with a friend led to Pam’s business, Brunch & Budget. While the first meeting is usually an in-person brunch, Pam then meets with clients virtually every month to help them put together a financial plan and to actually implement it. Pam goes over the most-asked questions she gets from freelancers, which includes issues related to quarterly taxes and an inconsistent income. Pam also helps freelancers figure out how to raise their rates. Pam gives us the scoop on new IRS rules that benefit freelancers—the IRS won’t be charging penalties if you didn’t pay your 2018 taxes on time every quarter. And going forward, they’re going to less strict about freelancers paying taxes every quarter as long as you get all the taxes paid by January. Pam explains why it’s important to build a good relationship with an accountant who works with freelancers. Pam is a big believer in creating a 12-month cash flow projection of how much money you anticipate you will make and what your income goals are. It’s important to have monthly, quarterly and annual goals, partly because a freelancer’s income can be inconsistent. That cash flow projection will help you notice income patterns as income ebbs and flows throughout the year. Then, you can plan your action steps around your income goals and track and measure whether you’re hitting your income goals. She also encourages freelancers to take a VACATION when the months are low. Pam talks about how imposter syndrome relates to money—and sometimes increases as you get more successful. When you are setting your rates, you need to figure out how to take the emotion out of it. Pam admits undervaluing herself when she first started providing her financial planning services. But then Pam took the emotion out of creating her rates by making herself stick to a rule that every time she gained two or three new clients, she had to raise her rates for all future clients. She also recommends coming up with the “least I’m willing to take” rate. If you do take a project below your rate, consider what non-monetary things you can negotiate with the client—a referral, a longer contract, additional projects. Pam helps us figure out how to commit to a savings account. She recommends a “high-yield” savings account so you can gain a bit more interest than what you would at your local bank. Know what your minimum personal expenses and your minimum business expenses are each month. That way when you exceed those, a chunk of that money can go directly into your savings account. Make sure you have a separate savings account just for taxes. That money is not yours. Set aside 25–30 percent of whatever you make and pretend that money doesn’t exist. From there, take your monthly income, subtract the minimum personal and business expenses and put the rest in savings. Pam touches on the supposed upcoming recession. Planning for a recession or an income loss is helped by having a savings account. A potential loss of income is also why it’s important to diversify where your income is coming from—so strive to have several clients and not rely too much on one big client. Pam believes in paying yourself first. Think of your savings account as another bill you have to pay. Think of savings as “self care”—a way to take care of your future self. Pam also recommends having a separation between your business and personal expenses. Don’t co-mingle those—it makes it harder to figure out taxes and track your income and goals. Plus, freelancers are 10x more at risk for audits, so plan ahead for that. Furthermore, you can pay yourself like a regular employee into your personal checking account, which makes budgeting for personal expenses easier. Having all your business expenses on one, separate credit card makes it easier to track also. But note that you can’t use credit card statements for an audit, so continue to save your receipts.   Biz Bite: Outsource! Hire out for work you hate.   Resources: Brunch & Budget Brunch & Budget 12-Month Cash Flow Projection Template—Download and use this worksheet! (Thanks for sharing, Pam!) Great article about Pam and her husband in Forbes, “This Couple Created A Multilevel Curriculum To Teach All Ages Financial Literacy.” Brunch & Budget on Twitter Brunch & Budget on Instagram

Today we speak to Certified Financial Planner, Pam Capalad. She's the founder of Brunch & Budget and financial firm that takes the scary out of planning for your financial future through one of my favorite vehicle's BRUNCH!  Pam has been in the financial services industry since 2008 and spent a lot of those years at wealth management firms. She's based in Brooklyn, NY and serve clients virtually in the New York City area and across the country. You can find her firm at brunchandbudget.com. If you want to connect with the show you can find us on IG @jwilliamsesq or email us at artistswithoutdayjobs@gmail.com.  

Today we are joined by an old member of the Bondfire Family. @Dyalekt from Brunch & Budget is here to talk about financial literacy, his new projects, and all the things happening. #AirOutWednesdayWe start out the show with TK being a repeater. Conscious and TK talk about wellness from Therapy Tuesday. Dyalekt is here to talk about the nonsense happening in the world right now and all the things being done to distract us from what matters. In #NewsYouCanUse: 45 introduces Mike Pence to the navy, calling for them to clap “Like they’re at a strip club.”Chase Bank faces backlash over its monday motivation tweet.Study reveals that people interested in losing weight should not follow fitness influencers because of the lack of facts and researchFacebook to launch Secret Crush, their new dating app.Research reveals that more dead than living will be present on Facebook in the next 50 years. Following #ChatroomCheckIn, we dive into the world of air outs, from self-medicating, to school uniforms, to rent traps. We’re here to talk about it, and maybe get some numbers in. Dyalekt reminds us that we’re all here for the justice, yet we’re all caught up in it. #AirOutWednesdaySave the date and place, MoCADA in downtown Brooklyn, May 30th, 2019 at 7PM. Live show for episode 1000. See you then, we got 13 left to go. #MotivationMonday@TKinTheAM is live every M-W-F 10-1130am EST on bondfireradio.com and tunein app. Same day replays 7pm EST also available on Apple Podcasts, GooglePodcasts, Spreaker, and Spotify!If you really like us, leave a review on Apple Podcast that’d be really cool.http://geturshirt.com < get some TKAM gearRUNDOWN0:00 #SONG: The Brand New Heavies Ft. N'Dea Davenport - Getaway 3:44 #Intro: Repeater; Therapy Tuesday#GUEST: Dyalekt from Brunch & Budget is here!14:19 #SONG: Arrested Development - Tennessee #NowPlaying20:00 #NewsYouCanUse: Mike Pence like a stripper; Chase has a terrible tweet; Unfit influencers; Your Secret Crush by Facebook; Lots of dead on Facebook50:21 #SONG:.@JodyWatley - Good Good Reason55:09 #ChatroomCheckIn: When you give back58:40 #AirOutWednesday: Health and coffee; The schools; 71:00 #SONG: Dyalekt - Strugglelympics 74:50 #Discussing: Semantic fights 84:05 #AirOutWednesday: Rent nonsense#Outro

Today we are joined by an old member of the Bondfire Family. @Dyalekt from Brunch & Budget is here to talk about financial literacy, his new projects, and all the things happening. #AirOutWednesdayWe start out the show with TK being a repeater. Conscious and TK talk about wellness from Therapy Tuesday. Dyalekt is here to talk about the nonsense happening in the world right now and all the things being done to distract us from what matters. In #NewsYouCanUse: 45 introduces Mike Pence to the navy, calling for them to clap “Like they’re at a strip club.”Chase Bank faces backlash over its monday motivation tweet.Study reveals that people interested in losing weight should not follow fitness influencers because of the lack of facts and researchFacebook to launch Secret Crush, their new dating app.Research reveals that more dead than living will be present on Facebook in the next 50 years. Following #ChatroomCheckIn, we dive into the world of air outs, from self-medicating, to school uniforms, to rent traps. We’re here to talk about it, and maybe get some numbers in. Dyalekt reminds us that we’re all here for the justice, yet we’re all caught up in it. #AirOutWednesdaySave the date and place, MoCADA in downtown Brooklyn, May 30th, 2019 at 7PM. Live show for episode 1000. See you then, we got 13 left to go. #MotivationMonday@TKinTheAM is live every M-W-F 10-1130am EST on bondfireradio.com and tunein app. Same day replays 7pm EST also available on Apple Podcasts, GooglePodcasts, Spreaker, and Spotify!If you really like us, leave a review on Apple Podcast that’d be really cool.http://geturshirt.com < get some TKAM gearRUNDOWN0:00 #SONG: The Brand New Heavies Ft. N'Dea Davenport - Getaway 3:44 #Intro: Repeater; Therapy Tuesday#GUEST: Dyalekt from Brunch & Budget is here!14:19 #SONG: Arrested Development - Tennessee #NowPlaying20:00 #NewsYouCanUse: Mike Pence like a stripper; Chase has a terrible tweet; Unfit influencers; Your Secret Crush by Facebook; Lots of dead on Facebook50:21 #SONG:.@JodyWatley - Good Good Reason55:09 #ChatroomCheckIn: When you give back58:40 #AirOutWednesday: Health and coffee; The schools; 71:00 #SONG: Dyalekt - Strugglelympics 74:50 #Discussing: Semantic fights 84:05 #AirOutWednesday: Rent nonsense#Outro

Welcome to the Dead Day Job Army, a monthly Brunch & Budget series where entrepreneurs and freelancers of Color share their stories and talk about the real. It’s not easy to start your own business and it’s even harder when it feels like you have to explain to your family what you do every time […]

This week’s Oldie-but-Goodie (no longer live): ON AIR SPECIAL! Lilit does a live critique of Brunch & Budget’s website. If you want your website critiqued live on a future show, email me at pam@brunchandbudget.com. Lilit Kalachyan-Nurse has a thing or two to say about how to brand and market your business. A small business owner […]

Welcome to the Dead Day Job Army, a monthly Brunch & Budget series where entrepreneurs and freelancers of Color share their stories and talk about the real. It’s not easy to start your own business and it’s even harder when it feels like you have to explain to your family what you do every time […]

Welcome to the Dead Day Job Army, a monthly Brunch & Budget series where entrepreneurs and freelancers of Color share their stories and talk about the real. It’s not easy to start your own business and it’s even harder when it feels like you have to explain to your family what you do every time […]

Welcome to the Dead Day Job Army, a monthly Brunch & Budget series where entrepreneurs and freelancers of Color share their stories and talk about the real. It’s not easy to start your own business and it’s even harder when it feels like you have to explain to your family what you do every time […]

Can you believe that we are speeding towards to the most costly time of the year?   On average, Americans spend about $50 per Thanksgiving meal, which doesn’t seem like a whole lot, however,  that is just the beginning.  November is the month before the biggest spending holiday season of the year, and it is one of the most expensive months for credit cardholders.  Podcast guests Pamela Capalad, a Certified Financial Planner and owner of Brunch & Budget, along with DJ Dyalekt, a rapper, and entrepreneur who teaches students hip-hop and finances via Pockets Change will discuss how millennials can start creating a life of financial independence now.

Welcome to the Dead Day Job Army, a monthly Brunch & Budget series where entrepreneurs and freelancers of Color share their stories and talk about the real. It’s not easy to start your own business and it’s even harder when it feels like you have to explain to your family what you do every time […]

This week we have a special DDJA interview with Markisha Velazquez, founder of Junior Baby Hatter, Tiny Caps for Tiny Chaps. Welcome to the Dead Day Job Army, a monthly Brunch & Budget series where entrepreneurs and freelancers of Color share their stories and talk about the real. It’s not easy to start your own […]

Happy Independence Day, America! What is more American than a new Brunch & Budget episode? Food is definitely one thing that connects us all together, so it only makes sense that we share our interview with Chris Kim, the founder of the “vegan butcher shop” Monk’s Meats. Starting from his apartment’s kitchen, to selling out […]

Welcome to the Dead Day Job Army, a monthly Brunch & Budget series where entrepreneurs and freelancers of Color share their stories and talk about the real. We ask folks to leave their shiny pictures and Instagram highlights at the door and tell us what it’s really like to do the work, put in the […]

Welcome to the #DeadDayJobArmy, a monthly Brunch & Budget series where entrepreneurs and freelancers of Color share their stories and talk about the real. We ask folks to leave their shiny pictures and Instagram highlights at the door and tell us what it’s really like to do the work, put in the time, and devote […]

Welcome to the #DeadDayJobArmy, a monthly Brunch & Budget series where entrepreneurs and freelancers of Color share their stories and talk about the real. We ask folks to leave their shiny pictures and instagram highlights at the door and tell us what it’s really like to do the work, put in the time, and devote […]

Welcome to the #DeadDayJobArmy, a monthly Brunch & Budget series where entrepreneurs and freelancers of Color share their stories and talk about the real. We ask folks to leave their shiny pictures and instagram highlights at the door and tell us what it’s really like to do the work, put in the time, and devote […]

This is it, y’all. Welcome to the Dead Day Job Army, a monthly Brunch & Budget series where entrepreneurs and freelancers of Color share their stories and talk about the real. We ask folks to leave their shiny pictures and instagram highlights at the door and tell us what it’s really like to do the […]

This was a very difficult Brunch & Budget on Bondfire Radio to do. I’m sure you can hear it in my voice. What you don’t see is me freaking out after every segment and Dyalekt having to calm me down. I am so emotionally distraught by all the shootings last week and I can’t even […]

Today on Brunch & Budget on Bondfire Radio, Dyalekt and I going to talk about something I feel very strongly about, something I’m appalled has actually caused controversy. We talk a lot on the show about how important it is to make sure your advisor has committed to being your fiduciary, which basically means they […]

We had an incredible time at the Bondfire Radio Audio Festival! We had a very special Brunch & Budget show, where Dyalekt and I revealed our biggest money mistakes and biggest money triumphs. Then we turned to our live audience and asked some of them to share what theirs were!! The bravery, empathy, and community […]

ON AIR SPECIAL! Lilit does a live critique of Brunch & Budget’s website. If you want your website critiqued live on a future show, email me at pam@brunchandbudget.com. Lilit Kalachyan-Nurse has a thing or two to say about how to brand and market your business. A small business owner herself, Lilit has dedicated her career […]

***SPECIAL RADIO OFFER: If you email Aaron Lackman at alackman@nybcna.org and mention Brunch & Budget on Bondfire Radio, he will pull your credit report and credit score for free and review the score and report with you!*** Imagine coming to a new country, where not only the language and customs are foreign to you, but […]