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Episodes
Tuesday Dec 19, 2023
Tuesday Dec 19, 2023
Show Notes:
6 strategies on how to have more money
Create a Budget
Identify Essential vs. Non-Essential Expenses
Prioritize Basic Needs
Build an Emergency Fund
Save for Goals
Review and adjust
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Wednesday Dec 13, 2023
Wednesday Dec 13, 2023
Show Notes
Success means personal fulfillment, happiness, and a sense of accomplishment. So, to experience such success I have created a roadmap so that by the end of the next year when you look back you will feel more accomplished and successful, right? See God placed us – human beings on this earth as the highest authority to rule over it, cultivate it, and care for it. Money is one of the main factors in how to do it effectively.
Financial success means achieving one's financial goals and the ability to meet personal or lifestyle needs without significant financial stress. It goes beyond the simple accumulation of wealth and can include various aspects such as financial stability, debt management, investment growth, budgeting skills, special needs planning, and financial freedom. Also, more detailed personal and financial goals can include homeownership, education, or starting a business.
Clearly identify short-term and long-term goals
Group your goals into categories
Categorize your goals based on their urgency and importance
Align priorities with your values
Evaluate the time and effort required for each task or goal
Balance short-term and long-term goals
Regularly assess and adjust your priorities
Learn to say no – understand your limits
Develop a plan to address your priorities systematically
Consult with trusted friends, coaches, or advisors to gain different perspectives on your priorities
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Friday Dec 08, 2023
Friday Dec 08, 2023
Show Notes:
Episode 10: 3 Steps on How to Systemize Your Bill Pay – Use Online Bill Pay to Save Time and Money
Have your Bill Pay folder set up with two dividers: one labeled Bills to pay by Credit Card and the other one Bills to pay with online banking. Have the Bill Pay folder ready for your “Money Squad” time.
Establish your “Money Squad” time, preferably at the end of the day and during your nightly routine.
Enter bills to online banking bill pay as they come.
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Visit Episode 4
Sunday Dec 03, 2023
Sunday Dec 03, 2023
Show Notes:
Before going to a party plan your day in particular your meals. Be mindful and strategic. Eat a balanced meal before the party to curb excessive hunger.
Concentrate on connecting with people, talk more, laugh a lot, and take tons of pictures with as many people as you can. Photograph the food and the decorations – keep yourself busy other than consuming food.
Enjoy your party time by truly celebrating by mindful eating. Do not let special events and festivities interact with your health. And the balance is the key. Happy partying!
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Tuesday Nov 28, 2023
Tuesday Nov 28, 2023
Show Notes:
Debt is a financial obligation or liability that arises when one party borrows money from another with the agreement to repay the borrowed amount, typically with interest, over a specified period. It can take various forms, including loans, credit card balances, mortgages, or any other arrangement where money is owed. Managing debt involves making scheduled payments to the creditor until the borrowed amount is fully repaid.
Paying off debt brings various benefits.
Financial Freedom
Reduced Stress
Enhanced Savings
Cost Savings
Enhanced Financial Security
Increased Borrowing Power
Peace of Mind
Ditching debt is a step toward achieving financial independence allowing you to have more control over your financial future. It adds a boost in financial confidence and a belief in one's ability to manage money effectively.
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Friday Nov 24, 2023
Friday Nov 24, 2023
Show Notes:
A budget allows you to prioritize essential expenses over non-essential ones, helping you allocate funds to what matters most by providing a structured framework to allocate funds based on importance and necessity.
A budget reveals your current financial situation, enabling you to set realistic and achievable goals based on your income and expenses. Budgeting includes saving for emergencies and special needs by providing a financial safety net. Having an emergency fund can reduce the need for impulsive spending when unexpected expenses arise. A budget helps you create a structured plan for debt reduction by allocating more money toward debt repayment, reducing financial stress, and freeing up future income. It promotes mindful spending and encourages living within your means.
By providing structure and insights into your financial situation, a household budget serves as a powerful tool for managing money wisely fostering healthier spending habits.
Determine your monthly total income.
List monthly expenses.
After you list all your expenses break them down into categories such as housing, utilities, groceries, transportation, special needs, debt repayment, entertainment, and savings.
Assign a specific dollar amount to each expense category based on your past spending patterns or estimates.
Allocate a portion of your income for savings. This can include emergency funds, retirement savings, or other financial goals.
Periodically update your budget to reflect changes in income, expenses, or financial goals to ensure its continued relevance and effectiveness.
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Tuesday Nov 21, 2023
Tuesday Nov 21, 2023
Show Notes:
In this episode, you will find practical solutions to help you right away in any season of your life.
Start your day the night before. Revisit your calendar, reflect on your day, put it on paper - get it out of your head, go to bed on time
Take care of your spirit, mind, and body. Rise one hour earlier than anybody else in your household. Meditate and plan your day. Start exercising – walk at least 10,000 steps each day. Drink plenty of water. Eliminate sugar and white flour from your diet. Listen to uplifting music, audiobooks, and podcast.
Invest in financial virtues such as home money management, and personal finance. Continuous learning and staying informed are crucial aspects of your financial well-being.
Define your priorities and goals, be strategic - this will help to guide you in the decision-making process
Assess, Adjust, and Adopt. Revisit your strategies on a weekly, monthly, and yearly basis by adapting to changes in the economic landscape. Remain open to new opportunities.
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Saturday Nov 18, 2023
Saturday Nov 18, 2023
Show Notes:
First and foremost, eliminate extra stress from your Thanksgiving day by taking care of your finances in advance. Create a budget, plan your expenses, and prioritize your spending. Create a Thanksgiving meal plan and have your shopping list ready! This proactive approach allows you to enjoy the festive season without the added worry of financial stress. Take the time to set realistic expectations, concentrate on what’s important to you and your family, explore cost-effective options, and focus on meaningful experiences. By managing your finances thoughtfully, you can savor Thanksgiving moments with a sense of ease and joy. Make your money be a blessing and let the Thanksgiving week start on the right note!
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Thursday Nov 16, 2023
Thursday Nov 16, 2023
Show Notes:
Operate with only two accounts: one is your checking account and the other one is your credit card account.
Setting a credit limit to your budgeted expenses will ensure you stay within your limits. It’s important to make sure your budget cash flows after paying off the credit card.
Have Monthly Credit Card revamp time. Go and free up your money flow for life above abilities where your dreams become your reality!
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Monday Nov 13, 2023
Monday Nov 13, 2023
Show Notes:
Non-essential expenses include costs that contribute to comfort, entertainment, or luxury rather than meeting basic needs. These are discretionary expenses that can be adjusted based on personal preferences and financial priorities.
Set aside about 1 hour of your and your hubby’s time on a monthly basis, preferably during the weekend. Print your last month's bank statement, get your magic notepad with a pan, find a quiet place with minimal distractions, get your hubby on your side, and let the fun begin! Talk to your husband and discuss your essential needs and priorities together. Prayerfully consider the next steps toward your financial freedom on what non-essential expenses you can agree to cut down.
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