Budget Divas

Ep #57 Are you planning to travel this summer? Have you considered traveling in an RV? 

RV travel can be a fun and exciting way to explore new places and experience the great outdoors. 

In this week's podcast, Christine Swartz of RV Mama of 4 explains how to start RV'ing in style while on a budget. 

Christine's goal is to help you gain the confidence, knowledge, and skills needed to purchase, drive, and set up your RV from start to finish. 

She wants you to create the life you desire by connecting with nature, spending quality time with your kids or pets without the distractions of a busy life, and engaging in sight-seeing and activities you don’t normally have the opportunity to do!  

Main takeaways from this episode: 

1. Flexibility and Freedom
2. Comfort and Convenience
3. Bonding with Nature
4. Community

To learn more about RV'ing, connect with her here:

You can get my Ultimate Guide to RVing Solo or with Your Kids at https://www.rvmamaof4.com/RVingSolo

Website:  https://www.rvmamaof4.com

You can join my RV Mama of 4 Facebook group at www.facebook.com/groups/RVMamaof4

In the RV Mama of 4 Adventure & Community, you will receive the coaching and community you need to get out there and experience the beauty of the outdoors in a unique way...in an RV…so you too can make memories that last a lifetime, one mile at a time.

You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Register here: https://www.budgetdivas.com/faster

Mystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

 Ep #56  Have you ever felt frustrated with your budget? 

Frustrated that …  

…there’s not even enough money to pay the bills each month

…money runs out as soon as payday hits 

…you feel you are spinning your wheels trying to make more money each month with little to no progress 

When we first started our debt-free journey, this was a frustration that would run through my mind daily. It seemed like no matter how hard we worked, there wasn’t enough money to last the entire month. I was afraid to open the mailbox and see the stack of bills in it, and it seemed like Dooms Day was everyday. 

There were more stressed out days than there were happy days. Even though we tried as hard as we could to hustle our way out of debt, we ended up feeling frustrated, depleted, and sick to our stomach because the debt wasn’t going down fast enough. 

Whenever I rush the process on anything I do, it always ends up being a bad decision. There are only so many hours in the day and trying to cram everything in a short amount of time usually means sleepless nights, multi-tasking without getting anything done, and more ugly crying nights than anything else. You know that ugly cry where you cry your eyes out and can’t even breathe. 

Can you relate to that? 

If you’ve ever felt like your heart is racing all the time, stressed over money woes, and all you want to do is close your eyes and hope that it all goes away, there is a money challenge that works every single time to recalibrate my mind and my spirit. 

Whenever I do this challenge, I feel more relaxed as it forces me to slow down and it’s like a detox that is getting rid of the toxic thoughts in my head that causes me to feel frustrated with money. 

And that challenge is a no spend challenge. 

What exactly is a no spend challenge? 

It is a personal challenge in which you set a goal to not spending money on non-essential items within a certain time period. 

The goal of the challenge usually targets areas to reduce unnecessary expenses, increase savings, and improve financial health.

During this challenge, you set your own rules so that it’s meaningful to you. 

Some of our goals for our no spend challenge - 

• Spending money on essential bills - housing, utilities, and transportation
• Avoiding non-essential purchases -  clothes, electronics, and entertainment
• Using up items that have already been purchased before buying more – groceries, toiletries, personal items 
• Looking free or low-cost alternatives for leisure activities

Whether you decide to do it on a weekend, 7 days or even for an entire month, the transformation coming out of it will be so powerful. I’m cheering you on friend. You got this. You may feel frustrated now but I know that it’s only for a season, and this season won’t last forever. 

You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Register here: https://www.budgetdivas.com/faster

Mystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

Ep #55: In this episode, let’s talk about making a plan for our savings goals. Now if you are starting to cringe because savings is not your love language, I totally hear you. Spending money is much more fun than putting my hard earned money into a savings account and letting it sit there. In fact, if you were to give me $100 right now and give me a choice to deposit it into my bank or spend the entire $100 at Target, I would 100% go to Target and happily spend it. 

We all know that savings is definitely an important part of our financial journey so on today’s podcast, I want to give you some tips on how you can put those savings to good use in 2023. 

What I wanted to talk about today is planning your savings for the entire year. The reason to do this is because it will allow to slowly save a certain amount of money every single month for important life events that happen in the year. For example – birthdays, anniversaries, school uniforms and supplies, family trips, Christmas and so on. Not only does this eliminate the stress of having to come up with the money the month of or the month before the event happens but because you have already budgeted and planned ahead for that money, it will be guilt-free. 

When we started implementing this strategy, it was a game changer for our budget. We no longer felt money stressed during the holidays because we knew we had the money saved in the account. It eliminated the money fights and we actually looked forward to the events instead of cringing because we had to put it on our already maxed out credit card and pray that the credit card company would push the transaction through. It made us excited to take that saved money out of the bank account and freely spend it however we chose. 

So I want to give you four tips on how you can implement this strategy into your budget without breaking the bank. 

The 4 things you need to do to plan your yearly savings goals: 

1.       Make a list of all the events happening throughout the year

2.       Give each event a set amount that fits within your budget (and just know that you can always increase the amount if you make more money)

3.       Add the total for each month and then the yearly total so you’ll know how much you need to put away each month

4.       Store it in a bank account that is separate from your main checking and savings account. This will help you to treat it like a bill and you won’t be tempted to dip into that account. 

That wraps up this episode for our Back to Basics Money Series. Also if you want tips on how to improve your finances this year, you can grab my free guide at https://www.budgetdivas.com/fivesteps. 

It will outline the tips we have covered in our Back to Basics Money Series plus give you quick action steps that you can start doing right now. 

If you have enjoyed this episode, would you be so kind and leave a review on Apple Podcasts? I’d love to hear from you. Until next time, keep moving forward one step at a time. 

You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Register here: https://www.budgetdivas.com/faster

Mystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

Ep #54: How do you know God's calling for your life?

Have you ever struggled with this question? Is God calling you to step out of your comfort zone and into ministry? 

In this episode of the Budget Divas podcast, my guest is Francine Ivey. 

 Francine Ivey is an Executive Coach and Founder of Consumed Coaching, LLC. She helps entrepreneurs, coaches, and influencers grow in their personal and professional lives through her faith-based coaching program. Francine is certified as a Master Level Life Coach with International Christian Coach Institute, Sales and Leadership Coach, and Coach, Speaker, and Trainer for the John Maxwell Team. 

She is a powerful speaker who challenges her audiences to believe bigger and to walk in confidence. She has coached individuals in many industries and Fortune 500 companies, as well as boutique companies and non-profit organizations. Her clients appreciate her ability to cut through the noise and help them focus on what is most important to them. 

Top 5 takeaways from this episode:

• How to let the Holy Spirit lead you into finding your spiritual gifts
• When God turns the unimaginable into a beautiful love story
• What it means to be a Kingdom Coach
• Overcoming self-sabotage, negative thinking, limited beliefs
• Questions to ask yourself before becoming a coach

To learn more about Francine, visit her podcast and website here:

Consumed Coaching Website: https://www.consumedcoaching.com/
Book a FREE call with Francine: https://www.consumedcoaching.com/site/contact 
Calling Over Comfort Podcast: https://podcasts.apple.com/us/podcast/calling-over-comfort-with-francine-ivey/id1589661975

You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Register here: https://www.budgetdivas.com/faster

Mystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

Ep #53 How to live on a budget without going scorched earth. If you haven’t heard of this term before, basically it means to remove all discretionary spending from your budget. So think of it as the only things in your budget are the money to support your four walls – shelter/utilities, food, transportation, and necessary clothing. So this means getting rid of all the extra spending in your budget – cable, dining out, any subscriptions, gym memberships, lattes, and anything else that would be considered as a non-essential expense. 

So we did this in the first 2 years of our debt-free journey. I was OBSESSED with finding every article and YouTube video that I could on how to live on practically nothing. In the first few months of doing this, it was kind of fun because it was like a challenge. Like oooh let’s see how many days I can go without spending any money. And I would read all of these articles and watch these You Tube videos of how people were walking to work, DIY’ing everything they could, learning how to cook recipes from their kitchen inventory, making their own laundry soap, and so forth. 

But as time went on, what happened is that my family and I were just miserable. I would feel so guilty everytime we left the house to do something fun because that meant using gas and spending money on going out to eat when I knew that the money should be going to our debt instead. 

It was only in that third year of our debt-free journey that I started to turn things upside down and that’s when life got really fun and I started to actually enjoy the debt-free journey instead of frantically wanting to be at the finish line. The end result was that we made so much progress in that third year of our debt-free journey, to the tune of paying off $41k in 12 months. 

So in today’s episode, I want to give you some tips on how you can also pay off a lot of debt but also enjoy the journey along the way. We’re always in such a rush to get to the finish line that we forget to be present and enjoy what’s happening around us. 

1.       The first tip is to make a list of what you want to keep in your budget. Most people start working on their budget the opposite way. They start slashing their budget to practically nothing only to burn out in the end. 

2.       Cut out everything else in your budget that is no longer a necessity or is draining your budget

3.       The last tip to living on a budget without going on a scorched earth budget is to find a side hustle that you love to increase your income. For us, it was mystery shopping. We wanted to find a way to have our cake and eat it too and mystery shopping allowed us to enjoy the debt-free journey. In that third year of our journey we discovered how we could get paid to shop and reimbursed for our purchases. If you’re interested in learning more, you can access the free on-demand training at https://www.budgetdivas.com/mysterytraining. This is a mini training that is an introduction to the mystery shopping course that I’ve put together if you’d like to become mystery shopper. 

 If you have enjoyed this episode and are getting value from the Budget Diva

You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Register here: https://www.budgetdivas.com/faster

Mystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

Ep# 52 January is my favorite month of the year because it means new beginnings and fresh new ideas. It’s a time when I don’t reflect on what I didn’t accomplish in the previous year, but rather, focusing on what I do want to accomplish in the current year. 

The same goes for budgeting. So in today’s podcast, we’re going to talk about the budgeting basics – from creating your budget to streamlining the process so that you’ll actually stick with it instead of wanting to throw it out the window. 

The first tip is to get organized with your finances. 

1.       Gather your documents 

The very first step to creating your budget is to get your income and expenses statements. This may mean logging on to your employer’s website and printing out your paystubs, rummaging through your drawer for those documents or if you are self-employed looking through your client invoices to see what you got paid. If you have an inconsistent income, I recommend printing out at least 3 months worth of statements so  you can get a good idea of the average amount you bring in every month. 

Then you’ll want to gather all  of your expense statements. So this means any bills that you pay for each month. To make this a little easier, start with monthly fixed expenses. So this means rent/mortgage, household utilities, internet/cable, daycare, car payment, and anything else that you absolutely have to pay for to run your household. Next, grab your bank and credit card statements. I highly recommend printing these out and keeping it in a folder because in the next few podcasts, we’ll talk about how we are going to analyze these documents. 

2.       Write it all down 

Everyone has their own budgeting style preference – whether you like pen/paper, spreadsheets, or apps. But if you’re doing a budget for the first time, I highly recommend just getting a sheet of paper and writing it down. This will make it so much easier plus you can keep adding to that list as you find more income or expenses when you go through your paperwork. Once you have it all down, then you can decide if you want to use a budgeting template, spreadsheet, or an app. I also have a free budgeting template that you can grab for yourself and you can access it at https://www.budgetdivas.com/budgeting-template.  

3.       Automate your bill payments 

When we first starting getting our finances organized and started budgeting, I noticed the fees I was paying for late payments.

You can also automate your bills for your utilities. Most companies won’t charge a fee if you’re debiting it from your checking account and some companies don’t even charge a fee for using for your card. The main thing is to automate as much as possible so you’re not having to worry about incurring late payment fees and it doesn’t hurt your credit history. 

You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Register here: https://www.budgetdivas.com/faster

Mystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

 Ep #51 How do we let go of past hurts that keep us from moving into the role we were meant to play? 

In today's podcast, my guest is Bridget Lynch.  After overcoming fears and anxieties from trauma and abuse, Bridget wants to help you do the same. We are not what happened to us, we are daughters of the King of kings. We are chosen, called, accepted, beloved, cherished, loved, equipped, and so much more! 
You don't have to walk alone through your healing journey when you join a community of women. You get to come together in a safe and secure place, receiving the prayers and support you need as you heal.

 It took Bridget years to heal from her past, and she wants you to know that it's ok if it takes you that long too. Healing is a process, and it doesn't happen overnight. She will come alongside you to help you find your identity in Christ and see who you truly are - healed and whole in Christ!

To learn more about Bridget, visit her website: https://www.inthelightcoach.live/ 

You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Register here: https://www.budgetdivas.com/faster

Mystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

Ep #50 Are you ready to finally start that business you've been thinking about?

In this episode, my guest is Nichole Mengiles of The Stim Clinic. This episode is filled with great tips to stop overthinking when starting a business, start taking action on that side hustle turned into full time business, and overcoming mindset obstacles that will stop you from pushing through. 

When you change your mindset, you can change your life. Your mindset is the difference between those who succeed and those who don’t.

When you are serious about success in your professional and personal life, mastering your mindset is a must. By changing your thinking, you can change your actions because more action means more chances of success.

As you change your mindset, you change your behavior. When you say that you can't, you won’t succeed. Imagine what you can achieve, and the results will follow.

Takeaways from the show: 

• Defining your purpose in life
• Creating success because it doesn't just happen
• Choosing to be positive every day and have a good attitude
• Focusing on others and not your own thoughts
• Building grit in your life
• Building a business from nothing to a million dollars

The Stim Clinic has helped over 3,500 families.  They work with massage therapists, chiropractors, physical therapists, nonprofits, and military personnel.

There's help if you are suffering from back pain, sore muscles, stiff neck, or stress. The portable, compact, and rechargeable devices interrupt pain signals to the brain, stimulating & relaxing the muscles through safe electrical charges to the pain area.

To learn more, visit their website: https://www.thestimclinic.com/ 

Interested in making money as a mystery shopper? Get access to the FREE training here: https://www.budgetdivas.com/mysterytraining

You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Register here: https://www.budgetdivas.com/faster

Mystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

Ep #49 For most, the holiday season is filled with joy and happiness. But for others, it may be associated with negative memories such as tragedy, grief, and loss. This episode, we’re diving into how to deal with negative emotions and find healing despite hardships.

The healing journey is a process that consists of actions you take to let go. Kate explains how to embrace things that empower you. The paths you take after the trauma, the goals you set to keep moving forward, and life experiences that you create during the journey — their impact is part of the process of healing.

Kate Conwell is the founder of the Journey Beyond Betrayal—an online membership community that exists to ENCOURAGE, EDUCATE, EQUIP and EMPOWER women as they walk through the pain of marital infidelity and find healing.  Kate launched the community out of her own story of overcoming the pain of infidelity five years into marriage—turning her deepest pain into a God given purpose.  Kate’s husband also pursued his own healing, and through God’s redeeming power they have now been married for 15 years!  Together they have two energetic and athletic boys—who she cheers on at whatever sporting event the season brings!

To learn more about the Journey Beyond Betrayal Community and get 5 Tips to Move from Hurting to Hope visit: https://www.journeybeyondbetrayal.com/FREEBIE

Website: https://www.journeybeyondbetrayal.com 

Instagram: @journeybeyondbetrayal

Facebook: https://www.facebook.com/journeybeyondbetrayal/

You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Register here: https://www.budgetdivas.com/faster

Mystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

Ep# 48 Are you ready to become a homeowner in 2023?

In this episode, my guest is Brad Shinagawa of B&B Mortgage Solutions. This episode is filled with great tips on how to start planning for pre-approval, getting your credit right, and mindset solutions to get you in the right headspace to be able to take on a mortgage. 

Takeaways from the show: 

• How to budget for the mortgage payment 
• What you need to know to get pre-approved
• Establishing a strong and honest relationship with your mortgage officer

Established in 2007, B&B Mortgage Solutions opened in the heart of the largest mortgage and real estate meltdown ever seen.  Through their local values and exceptional reputation, B&B was not only able to survive, but flourish.

Through the ever changing lending environment and the mortgage industry thriving again, B&B Mortgage has been repeatedly recognized as one of Hawaii’s top Mortgage companies.  That, largely due to them following their motto of treating every client as if, “was my aunty.”

Through listening to their clients’ needs and educating them on the lending process, the licensed professionals at B&B Mortgage will tailor the most suitable, and often times “Out of the Box,” financing structure.  So, whether buying your first home or refinancing your tenth home, The B & B Team will find the right loan for you through the variety of home loan products available to them.

To learn more, visit their website: https://www.bbmortgagehawaii.com/ 

You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Register here: https://www.budgetdivas.com/faster

Mystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

Ep #47 Do you want to kickstart your career into high gear in 2023? Do you want to ensure you stand out from the rest of the crowd? If you said yes to any of these questions, here’s the most important question. Do you know how to properly brand yourself? When you get clarity and can articulate your personal brand, you can make sure everything you say matches what you want to be known for.  

In today’s episode, my guest is Patricia Ortega. Patricia is a career coach and is also the host of The Uncommon Career Podcast. Patricia uses her master’s level training and decades of experience to help faith-based professionals find and follow their calling, overcome challenges, and land fulfilling, well paid positions. She was nudged by Christ’s faithfulness to her own calling, and quit a 6-figure position to start this faith-based company, coaching others to walk out their career God story.

To learn more about Patricia Ortega, visit her links below:

Website:  https://www.theuncommoncareer.com/ 

Link Tree (for mobile): https://www.theuncommoncareer.com/LiB 

The Uncommon Career Podcast homepage: https://theuncommoncareerpodcast.podbean.com/ 

You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Register here: https://www.budgetdivas.com/faster

Mystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

Ep #46 When was the last time you reviewed your insurance coverages to make sure you are properly protected? Your insurance company may not know about any life changes happening in your life such as getting married, having a baby, moving to a new area, or changing jobs. It’s always a good idea to review your coverage with your current provider or shop around to see if you can get a better rate with the exact coverage you need. 

Having an unbiased resource that can review your policy and make sound recommendations based on your needs is like talking to a mentor who can give you professional advice. Working with agency means they work for you, not the insurance company – giving you the power of choice.

Mallorie is an Associate Account Executive at Atlas Insurance Agency, Inc.  Born and raised in Hawai'i, she earned her Bachelor of Arts in Psychology from the University of Hawai'i at Mānoa. Mallorie has been in the Property & Casualty Insurance Industry since 2013 and holds the Chartered Property Casualty Underwriter (CPCU) designation. She works with clients to customize an insurance plan that best fits their needs.

Since 1929, Atlas Insurance Agency has been providing property and casualty insurance solutions for the people and businesses of Hawai'i. Atlas is currently the oldest and largest insurance agency in the State, taking pride in giving the best service, the best coverages and the best rates possible.

To learn more, check out Atlas Insurance here: https://www.atlasinsurance.com/

You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Register here: https://www.budgetdivas.com/faster

Mystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

Ep #45 In today’s podcast, we’re talking about how to get scrappy with side hustles. Whether you are trying to find time to work on your passion project while juggling your 9-5 job or looking for ways to earn extra income to pay down debt, there are ALWAYS ways to make extra income. This is one of my FAVORITE podcasts because we talk all about mindset, time management, motivation, and inspiration. 

Today's guest is Cesar Tauyan. Cesar is the grownup kid who struggles with adulting. At a young age he realized his education and upbringing did not prepare him for real life, which is the system of going to college, working a job you hate for the rest of your life, drowning in debt, and feeling unfulfilled. He discovered side hustles and passion projects as a way to separate himself from the system and live life to its fullest. Cesar grew up a military brat. He now lives on Oahu with his wife and kids. He loves playing the piano, watching combat sports, and morning coffee chats with his wife.

Your passion project could be a side gig that you want to eventually turn into a full-time business. It is something that makes you feel invigorated, happy, and sparks joy in your life. 

"Getting Scrappy" means finding creative side hustles to fund your passion project. This may mean cutting the neighbor's grass, running errands for other people, freelancing on Fiverr, etc. 

Listen in as we discuss the importance of starting a passion project and why you need to start one today! 

You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Register here: https://www.budgetdivas.com/faster

Mystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

Ep #44 In today’s podcast, we are talking about how stress affects not only our physical and mental health but also our financial health. As we are approaching the holiday season, there may be things that are stressing us out – family, travel, money, and juggling so many priorities. 

In today’s podcast, my guest is Jedd Ramos. Jedd is the Founder, Visionary Leader & Owner of KaiZen FITNESS.  He is a certified, educated and experienced fitness professional that specializes in life-changing fitness that creates limitless transformations. Jedd synergistically fuses modern science with ancestral wisdom.  With over 12 years of experience within the health, fitness and wellness fields, Jedd utilizes scientific, evidence-based methods to holistically serve each client in mind, body, spirit, heart and soul, so that his clients live a more healthy, fulfilling quality of life.

To learn more about Jedd and his services, check out his links below: 

Email: Kaizen.ESS@gmail.com
https://kaizen-ess.weebly.com/
https://linktr.ee/kaizen.fitness
https://www.facebook.com/jedd.ramos.45/
https://www.instagram.com/saiyajin_son_goku/

You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Register here: https://www.budgetdivas.com/faster

Mystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

Ep #43

How would your life change if you had thousands of dollars extra in your bank account each month? What if it was to the tune of $15,000 per month? 

In this episode, Skye Andrade explains how you can make money with Turo. What it is, how to start, and how much money you can make per month. This episode will inspire you to take action and consider Turo as a side hustle. 

Main takeaways:
1. Creating your listing
2. Making your listing stand out from the rest
3. Outlining the process
4. Starting a fleet
5. How much you can earn with Turo
6. Tips and Tricks 

Skye is a wife, mom, and has two fur babies. She is a 101 Financial consultant, a flight attendant with Alaska Airlines, and is also a licensed realtor in California and Hawaii. Her burning desire is to to leave a legacy of generational wealth so her family can have the means to impact the community, their friends, and family in a positive way. Her key to success is to stay loyal and connected, be down to earth and consistent, and HAVE FUN AND LAUGH OFTEN!  

Learn more at https://turo.com/. 

To learn more about Skye Andrade, check out her link here: http://instructors.101financial.com/skye101

You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Register here: https://www.budgetdivas.com/faster

Mystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

Ep #42 When Diana Gremillion lost her hair and her chef career due to burnout, she decided to follow her dreams, quit her 9-5, and move to Hawai'i to start her own business. As a chef, international speaker, serial entrepreneur, and 9/11 survivor, Diana loves helping people heal their past and achieve post-traumatic growth, so they can build their dream future. In the words of Lisa Nichols, Diana’s dynamic stories and insights are "food to my soul."

To learn more about Diana, visit her website at https://www.dianagremillion.com/

You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Register here: https://www.budgetdivas.com/faster

Mystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

Ep #41 When you think about your relationship with money, does it produce positive or negative thoughts? 

In this episode, my guest is Jennifer Constantino of Infinite Ascension. Jennifer has been in the health and wellness field for over 17 years.  Her health philosophy is all about aligning your physical body with your mental, spiritual and emotional bodies for higher vibrational living.  She started out as a massage therapist and in the past 3 years, she has really tapped into energy healing because she finds that her method of healing is a lot more powerful than a private massage session.  As a massage therapist, she sees a lot of people with chronic pain and issues.  

Because of her intuitiveness, she realized that a client’s emotional health has a direct influence on your physical health and when emotional trauma is left untreated, it manifests itself into physical pain.  Having gone through her own spiritual awakening and journeying through one of the toughest year of her life, it had forced her to take responsibility of her actions and really take inventory of what she was going through and make that commitment to create a different life where her past no longer had power over her. 

Here at Budget Divas, because we are learning to master our finances, I come across people who have money blocks.  Let’s find out more about healing surrounding money blocks with Jennifer Constantino. 

She has an upcoming class called Abundance Alignment that you can register for on her website at www.infiniteascensionllc.com specifically on beliefs surrounding money blocks, success and wealth.  You can also book a discovery call with her. 

You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Register here: https://www.budgetdivas.com/faster

Mystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

Ep #40 In this episode, I wanted to talk about our debt free journey. It was seven years ago, officially that we started our debt free journey. 

In 2016 when I had changed jobs, I was just done with being sick and tired of being sick and tired. And so my husband and I were really determined to stick to the plan, and we went hard. We decided we were gonna do a "rice in beans, beans and rice: diet, if you're familiar with that term.

We didn't go on vacations. We hardly ever ate out. We basically just lived under a rock. We love Dave Ramsey and his Financial Peace University. His plan works for most people, but the way that we did it was we did it really, really hard. We did it in a way that we sacrificed so much that we were just not having fun anymore, even to the point where our friends and our family were asking us if we were okay. 

I really had to change my mindset about money and also my habits. My husband and I sat down together and we decided we were going to find creative ways to have a life and still get out of a lot of debt. In 2019, we were able to pay off $41,000 in 12 months, and that's what today's podcast is all about. 

It's all about the mindset shifts that we have to go through, the habits that we had to change. And so I'm so happy that you're here today because this podcast is going to get real. It's going to be raw, and I'll tell you the five main things we did to pay off $41,000 in one year.

Interested in making money as a mystery shopper? Get access to the FREE training here: https://www.budgetdivas.com/mysterytraining 

You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Register here: https://www.budgetdivas.com/faster

Mystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

Ep #39 In this episode of the Budget Divas podcast, my guest is Brandy Shumate. Brandy is an Account Queen and handles bookkeeping and financial advisory services. 

Brandy graduated with an accounting degree and has continued her education by taking bookkeeping and financial advisory courses over the years since college. 

If you work in the gig industry or have a side hustle, you will love this episode. 

In this episode, you will learn:

• valuable tips on how to keep personal and business expenses separate
• how to stay organized with business receipts
• tips on tax write offs that are legal with the IRS
• how to create good recordkeeping habits
• what to look for when outsourcing bookkeeping tasks

Brandy loves  slaying all of your bookkeeping dragons! Account Queen provides a professional, prompt, and accurate financial reporting service all while building a relationship that goes beyond just keeping your books. Some of their add on services include payroll, inventory management, sales tax, weekly AP management, and tax services starting January 2023.

To learn more about Brandy's services, visit her website at https://www.accountqueennow.com for more information and to schedule a free consultation meeting. 

You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Register here: https://www.budgetdivas.com/faster

Mystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

Ep #38 This week's podcast guest is Kate Conwell.  As a family of four, Kate and her husband love their family, love their friends, and love Jesus.  They are both graduates from the University of Washington, where they competed in track and field, and studied business and geography.  They enjoy traveling and utilize Airbnb as hosts and guests to make that happen!

A host can rent out an entire house, room, apartment, or even a shed on the property that's suitable for travelers that are passing through or want a cozy or unique vacation rental.

In this episode, Kate discusses things to consider before hosting such as how much you can earn, understanding the costs of hosting an Airbnb, and setting your own rules and expectations.

If you've ever wondered what it take to become an Airbnb host and how much you can earn, listen in as Kate covers all of those questions!


To learn more about Kate Conwell's listing, visit this link:  https://www.airbnb.com/users/show/40744023

Want to try out hosting? Air BnB has a great referral program for hosts! Check out Kate's referral link below:  www.airbnb.com/r/williamc503

You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Register here: https://www.budgetdivas.com/faster

Mystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.