spending money

Happy Holidays!

Have you ever wondered what a money coach gives and asks for Christmas?

Well, you’ll learn today! While I love every holiday following the Fall season, Christmas holds a special place in my heart.

Growing up, it was a time of the year that brought so much joy – not because of the gifts, but just the energy from that time of year.

I would sit at home, alone, watching Christmas cartoons, just sitting next to the lit-up Christmas tree and would feel pure bliss.

As an adult, I still feel bliss sitting next to the tree!

In this episode, I’m sharing what Christmas is like as a money coach – the things I give and what I usually ask for.

Here's a glance at this episode:

• [01:35] If you’re listening to the episode right when it airs, then Merry Christmas! Raya is wishing you a wonderful holiday season!

• [03:37] As Raya got older, she started putting more thought into the gifts she would give. The focus would be on things people needed or that reminded her of them.

• [06:03] There was a time, specifically college years, where Raya would constantly exceed her spending limit for Christmas, but mostly on buying herself material things.

• [09:04] A rule of thumb in Raya’s family for spending money on Christmas gifts is to stay within $100 per person for gifts.

• [11:33] Raya always asks for Starbucks gift cards for Christmas, because it’s money well spent and will help her stick to the budget during the start of the year.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Check out the City Girl Savings blog!

My next Turquoise Talk guest is Jen Smith, a personal finance expert and co-host of the Frugal Friends podcast. She is here to share her journey of paying off $78,000 of debt in two years and how it inspired her to help others with their finances.

Jen breaks down the misconception that being frugal is the same as being cheap. She shares valuable insights on embracing frugality as a mindset that allows us to make intentional choices about our spending without sacrificing our values or quality of life. Let Jen and her expertise help you on your journey to financial freedom.

To learn more about Jen and her work, check out https://www.frugalfriendspodcast.com. You can connect with her, listen to her podcast, and grab a freebie she's offering to our listeners.

Follow the Frugal Friends on Instagram at https://www.instagram.com/frugalfriendspodcast/ 

And be sure to sign up for the Frugal Friends Friendletter https://www.frugalfriendspodcast.com/friendletter for weekly freebies, saving tips, and life hacks for staying in control of your spending.

Check out shop.martinesfavoritethings.com for my favorite books and items to make life and business a little more simple and a lot more fun!

Click here to book your free clarity call: https://calendly.com/martinewilliams/clarity-call

Connect with me on your favorite social media platform:

• Instagram: www.instagram.com/martine31williams

• Facebook: facebook.com/martinenwilliams

Be sure to follow this podcast to automatically receive your episodes!!!

Hey!! Send me a DM on IG and tell me what you think about the show!

Believing in YOU always!

Martine

Podcast edited and managed by Haili Murch LLC.

If you are interested in starting a podcast or you are currently a podcaster needing help managing or relaunching your podcast, you may email Haili Murch at hello@hailimurch.com or you can click here to book a call: https://calendly.com/hailimurch/podcast-discovery-call

My next Turquoise Talk guest is Jen Smith, a personal finance expert and co-host of the Frugal Friends podcast. She is here to share her journey of paying off $78,000 of debt in two years and how it inspired her to help others with their finances.

Jen breaks down the misconception that being frugal is the same as being cheap. She shares valuable insights on embracing frugality as a mindset that allows us to make intentional choices about our spending without sacrificing our values or quality of life. Let Jen and her expertise help you on your journey to financial freedom.

To learn more about Jen and her work, check out https://www.frugalfriendspodcast.com. You can connect with her, listen to her podcast, and grab a freebie she's offering to our listeners.

Follow the Frugal Friends on Instagram at https://www.instagram.com/frugalfriendspodcast/ 

And be sure to sign up for the Frugal Friends Friendletter https://www.frugalfriendspodcast.com/friendletter for weekly freebies, saving tips, and life hacks for staying in control of your spending.

Check out shop.martinesfavoritethings.com for my favorite books and items to make life and business a little more simple and a lot more fun!

Click here to book your free clarity call: https://calendly.com/martinewilliams/clarity-call

Connect with me on your favorite social media platform:

• Instagram: www.instagram.com/martine31williams

• Facebook: facebook.com/martinenwilliams

Be sure to follow this podcast to automatically receive your episodes!!!

Hey!! Send me a DM on IG and tell me what you think about the show!

Believing in YOU always!

Martine

Podcast edited and managed by Haili Murch LLC.

If you are interested in starting a podcast or you are currently a podcaster needing help managing or relaunching your podcast, you may email Haili Murch at hello@hailimurch.com or you can click here to book a call: https://calendly.com/hailimurch/podcast-discovery-call

There’s no denying the power of setting money goals…any goals for that matter.

Goals keep us motivated. Goals give us something to work towards. Goals help us measure our success towards the things that matter most.

Most people, myself included, set goals at the beginning of the year.

There’s nothing like a fresh start! But if you’ve never set money goals before, I want 2024 to be the year you give it a try.

In case you’re not sure what goals to set, in this episode I’m sharing 8 effective money goals for the new year, or any time, that you can set and work towards.

Let this be your starting point to a prosperous financial year!

Here's a glance at this episode:

• [01:38] Raya answers the latest City Girl Solutions question: “How many coaching clients do you typically work with?” 

• [05:40] An effective money goal for anyone is to get started with investing. Even if it’s on a small scale, investing can be transformative.

• [10:47] Create a spreadsheet that helps you quickly identify what your savings situation looks like. Essentially, your savings account portfolio.

• [14:41] The only way to know if you’re actually sticking to the budget you’ve created is by tracking your spending regularly.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Rollover old retirement plans with Capitalize

Download the Debt Repayment Checklist

Let me create a budget plan for you!

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Check out the City Girl Savings blog!

One budget category that usually gets us all in one way or another is the Grocery category.

With rising costs of food, the urge to ditch the ingredients in the fridge and order take out, and a premium for healthy, organic food, it’s no wonder most of us can’t seem to keep our grocery spending in check.

Thankfully, Grocery Budget Coach Rachel Coons is here with us to help make sure we stick to those budgets!

In this episode, Rachel is going to share how she feeds her family of 6 for $700/month, where to save the most money when grocery shopping, and how to stick to the grocery budget!

Here's a glance at this episode:

• [03:44] Rachel came up with the SHOP method, which helps people cut their grocery bills in half. She breaks down the method.

• [10:45] Rachel helps drive home the point that spending money isn’t bad and that budgeting and money management can be logical, not just emotional.

• [19:12] Raya hates going to the grocery store, and she’s not alone. Rachel introduces the concept of grocery delivery and pick up.

• [25:54] Rachel shares that taking her kids to the grocery store is a recipe for disaster. She gives additional guidance on succeeding when at the grocery store.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Follow Rachel on Instagram

Follow Rachel on TikTok

Join Rachel’s Facebook Group

Get on the Grocery Budget Bootcamp waitlist

Free PDF of 5 Meals for $50

Get your question answered on the podcast! Ask your question here.

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Money management is one of the most important skills a person (especially a woman) can have, but it’s often never learned and properly utilized.

It’s not easy to live a life of frugality – to assess needs versus wants and avoid spending money on things that you don’t need.

However, it’s mandatory if you want to live a life of financial security and freedom.

If you aren’t a frugal person by nature, don’t worry! I wasn’t either in the beginning.

But, if I can change my ways, anyone can!

In this episode, I’m sharing 9 frugal habits that anyone can start implementing now to work towards proper money management.

Here's a glance at this episode:

• [01:38] In this episode, I’m answering a City Girl Solutions question about the advice I would give to the version of myself 10 years ago. 

• [05:01] Make it a habit of “paying yourself first”. Meaning, when money comes in, you save something before you do any spending.

• [07:41] When you keep tabs on your spending, you can make changes real-time to help you save money or get back on track.

• [13:25] Planning ahead for things you know are coming (or what to come) can be a great way to stick to your budget and avoid overspending.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

I highly recommend you read The Richest Man in Babylon

Listen to Episode 83 – How to Live Your Best Life this Summer

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Check out the City Girl Savings blog!

News flash: You don’t have to make a lot of money to be good at managing it!

In fact, if you can master managing money with less income, you can make some amazing progress when more income eventually comes your way.

Hopefully you’re thinking “Challenge accepted!”

Regardless of how much money you make, I want you to know that you can master it like a pro!

In honor of the Money Management Mastery program starting soon, in this episode, I’m sharing how you can master managing your money like a professional and truly see how far your money can take you.

Here's a glance at this episode:

• [01:50] If you want to master your money like a pro, you always need to know what your monthly profit should be.

• [04:53] Whatever your reason for not looking at your money – you are stronger than that reason. Don’t ignore your money.

• [09:00] Intentional spending means you are 100% aware of what you’re doing with your money. Whether you’re spending or not spending, you are fully aware.

• [13:00] You can do your own research to learn ways to improve your financial situation. You don’t have to rely on a coach, if you don’t want to.

Subscribe, Rate, Review, & Follow on Apple Podcasts

This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.

Resources mentioned in this episode:

Listen to Episode 34 – How to Be Intentional With Your Money

Listen to Episode 69 – Things You Can to Do Improve Your Financial Literacy

Learn more about Money Management Mastery!

Get your question answered on the podcast! Ask your question here.

Struggling with your finances? Request a call with me (and get a budget)!

Follow City Girl Savings on Instagram

Follow City Girl Savings on TikTok

Check out the City Girl Savings blog!

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

In this episode: tackling the big issues, the everywhere effect, change and discomfort, and getting the most from what you have.

On this Podcast in recent months, we have made a point to highlight the fact that FI isn't about deprivation. While we do think making a few cuts in some areas is a good thing, we believe in that idea because it acts as a means to an end, with the endpoint being living the most fulfilling life available to you. So how is it possible deprive ourselves in a manner that doesn't leave us feeling deprived? Well, we have to skill up out our spending abilities.! This week we have Mr. Money Mustache on the podcast to discuss the skill of spending and how to approach utilizing your resources to ensure your own happiness and wellbeing. Make cuts in your life where there us a lack of purpose so you can level up areas of importance and passion!

Mr. Money Mustache:

• Website: mrmoneymustache.com

Timestamps: 

• 0:51 - Introdcution
• 4:15 - The Power Of Spending With Less Income
• 9:24 - Tackling The Big Issues First
• 17:06 - Change and Discomfort
• 19:55 - The Everywhere Effect
• 28:06 - The Power Of Community
• 31:45 - Getting The Most From What You Have
• 40:23 - Cost VS Comfort, Wheres The Line?
• 45:34 - Early Cutting Is Essential
• 50:53 - Conclusion

Resources Mentioned In Today’s Episode:

• Mr. Money Mustache on Life After FI: The Truth About Retiring Early in Your 30s
• The Shockingly Simple Math Behind Early Retirement
• How to Go from Middle-Class to Kickass
• Outside365
• The California Effect
• Afford Anything With Paula Pant
• FIRE Dating
• "Die With Zero" By Bill Perkins
• Subscribe to The FI Weekly!

More Helpful Links and Resources:

• Earn $1,000 in cashback with ChooseFI's 3-card credit card strategy
• Share FI by sending a friend ChooseFI: Your Blueprint to Financial Independence
• Keep learning or start a new side hustle with one of our educational courses
• Commission-Free Investing with M1 Finance

Erin doesn't like to tell you what to do or not do with your money, but she does want you to know HOW to think critically about money. 

For fun though, she thought she'd answer one of the questions she gets the most: "what should I not spend money on."

What would you add or take away from that list? 

Send us a voicemail with your thoughts here: https://www.speakpipe.com/erinskyekelly

Order your copy of Get the Hell Out of Debt here. https://www.amazon.com/Get-Hell-Out-Debt-Relationship/dp/1642939552/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1649093626&sr=8-1

Join us in the online program Get the Hell Out of Debt here. www.GettheHellOutofDebt.com

Order Erin’s latest book Naked Money Meetings from your favourite local independent bookseller. Or of course, it’s always available here. https://www.amazon.com/Naked-Money-Meetings-Partner-Forever/dp/1637587791/ref=sr_1_1?crid=3NCT78ESEGHCS&keywords=naked+money+meetings+erin+skye+kelly&qid=1676239960&sprefix=naked+money+meetings+erin+skye+kelly%2Caps%2C114&sr=8-1

Have Erin’s Tuesday newsletter delivered to your email inbox here

https://www.erinskyekelly.com/sign-up-for-newsletter

Other links: https://www.erinskyekelly.com/erin-linktree

On this episode of the Money Mentor, Ken discusses Your Spending. Your spending is the cornerstone of your personal finances. We cover:

Spending Time & Money
Psychology of Spending
Money Emotions
Lifestyle Spending
Time Management Jar
Prioritizing Your Spending
Difference between being Rich & Wealthy
The Diderot Effect
Professional Athletes & Lotto Winners
Financial Wellness
Reasons we find it difficult to change
Personal Finance Triage List
Example of Lucy's basic spending

Phone: (01) 539 2670

team@money-mentor.ie

www.money-mentor.ie

Thank you for listening - Money Mentor Team

Y’all, this is quickly becoming one of my favorite things to talk about. We’re going deep into what it looks like to make money differently and really live in abundance. So, I invited one of my dearest friends and mentors, Jenn Kennedy, to the podcast to make sure I REALLY dug deep into this topic. 

You and I both know, money can bring up a lot of feelings of both shame and guilt. And, we’re all about ditching shame here on the Shamelessly Ambitious Podcast. ;) As Jenn says in the episode, “If we have doubts, or fears, or shame, or guilt around money, that's programmed in our mind. And until we shift that programming, we can't shift our outside reality.” In this episode, you’ll really find out the best ways to shift your mindset and beliefs around money and come out the other side a woman who believes she can truly have it all.

Thanks for listening. Thanks for being here.

TOPICS DISCUSSED

• Jenn’s experience with money
• Healing your relationship with money
• Seeing money as an amplifier 
• How Jenn manages her money as a millionaire
• Being an ambitious woman
• Having intention when spending money
• Scarcity, neutrality, & abundance
• How + why the universe favors bold moves

CONNECT WITH JENN

Instagram: @thejen

STEP INTO MY WORLD:
🖤 Live Offerings

• The Membership
• One-on-one Mentorship

🖤 Free & Low Ticket Offers

• Free Audio Training ‘MOVE’ | Therapeutic practices and business strategies to ensure your next move is the best move for you.
• Free Video Training ‘FOCUSED’ | Become more productive, more energized, and more focused without adding any extra time to your schedule.
• Peep the Program Suite

LET'S CONNECT FURTHER:

• Join me on Instagram — I wanna show you some love!
• See basically everything else about me at my website ashmcdonaldmentoring.com

WANNA BINGE? YOU'LL LOVE THESE EPI'S:

• 98. Your Income Starts Here
• 102. Setting The Stage For Your Next Laun...

ನಿಮಗ್ ಗೊತ್ತ?

ಕ್ರೆಡಿಟ್ ಅಥವಾ ಸಾಲವನ್ನು ನೀಡಲು ಪ್ರಾರಂಭವಾಗಿದ್ದು 3,500BC ಅಲ್ಲಿ.

ನಮ್ಮ ಈ ಸಂಚಿಕೆಯಲ್ಲಿ ಆಶ್ಡಿನ್ ಡಾಕ್ಟರ್ ರವರು ನಿಮ್ಮ ಕ್ರೆಡಿಟ್ ಕಾರ್ಡ್ ಅನ್ನು ಪರಿಣಾಮಕಾರಿಯಾಗಿ ಬಳಸಲು ಸೂಪರ್ ಸಿಂಪಲ್ ಹ್ಯಾಬಿಟ್ ಒಂದನ್ನು ಹಂಚಿಕೊಳ್ಳುತ್ತಾರೆ. ಹಾಗು, ಕ್ರೆಡಿಟ್ ಕಾರ್ಡ್ ನ ಮೇಲೆ ಅವಲಂಬಿತವಾಗದೆ, ನಿಮ್ಮ ಹಣವನ್ನೇ ಉಪಯೋಗಿಸುವ ಪ್ರಮುಖ್ಯತೆಯನ್ನು ತಿಳಿಸುತ್ತಾರೆ.

Did you know?

The earliest use of credit dates back to 3,500 BC!

In this episode of #TheHabitCoachKannada Podcast, your Habit Coach Ashdin Doctor shares a super simple habit to use your credit card effectively. He highlights the importance of using your money and not relying upon credit cards.

This Kannada Adaptation is done by Spoorthi Thej

The Original English Episode is narrated by Ashdin Doctor: (https://bit.ly/3rc8bvS)

ನಿಮ್ಮ ಹ್ಯಾಬಿಟ್ ಕೋಚ್ ಆಷ್ಡಿನ್ ಡಾಕ್ಟರ್ ಅನ್ನು ಫಾಲೌ ಮಾಡಿ.

You can follow our host Ashdin Doctor on his social media:

Twitter | Linkedin | Instagram | Facebook

You can follow Spoorthi on her social media:

Instagram | Twitter

You can listen to this show and other awesome shows on the https://ivmpodcasts.com, the IVM Podcasts app on Android: IVM Podcasts - Apps on Google Play or iOS: ‎IVM Podcasts, or any other podcast app. ಬನ್ನಿ ಕೇಳಿ!  

See omnystudio.com/listener for privacy information.

Hola GrowGetters! Today we are covering one of our favourite topics - something that we are incredibly passionate about. And that’s how to create additional income streams - even PASSIVE income streams - by monetising your skills!!

Because as you know we started GrowGetters with the intention to help women future-proof their careers and stay ahead of the game. And we truly believe that nobody should put all their eggs in one career basket - especially in the crazy volatile world we live in today! Just like you’d diversify your investment portfolio - we truly believe in diversifying your income streams and your career portfolio.

Monetising your skills is all about turning a skill into a product. So packaging up your skills into a digestible, easy-to-understand, product that you can sell - is a great way to share your knowledge as well as make additional income.

In this episode we dive into our favourite quick revenue makers and other long-game revenue creators - so tune in if you are looking for new ways to make moolah!

And if you are on this journey too, please share your monetising tips and tricks with us. Please reach out to us on the gram @growgetters.io or via email at hello@growgetters.io as we’d love to share your story to inspire more women to do the same.

PLUS

We have been building something super exciting...and that is the brand new GrowGetters Club. Are you looking to learn the most in-demand skills of the future! Do you want to join a circle of like-minded GrowGetters and be part of a movement of women ready to rise up, skill up, and be future-fit? Then if your answer is heck yes - join the waitlist today as the Club officially launches out of BETA in Q4 2021.

If you enjoy listening to the pod there are a few ways you would absolutely make our day (and week, and year!!) and help support us so we can continue to create kickass content just for you!

• The quickest way is to make sure you click that FOLLOW button on Spotify, and hit SUBSCRIBE on Apple Podcasts (or wherever you get your poddies) to make sure you never miss an episode!
• And if you are an Apple Podcasts user, we would be thrilled if you can take one minute to leave us a 
  5-star rating
   and a glowing review so even more of you fabulous GrowGetters can find us!
• If you’re more of a social media maven, then you can follow us on LinkedIn and Instagram at @growgetters.io where we post a whole swag of tips, tools, advice, and hacks on future-proofing your career!
• We run a weekly Clubhouse room to discuss Future-Proofing, Future Skills, The Future of Thought Leadership, and much, much more. FOLLOW US @tiffanyhart and @tanyagarma so you are notified next time we go live.
• And finally, don’t forget to subscribe to our GrowGetters Growth Hacks newsletter on growgetters.io for a fortnightly fix of the very latest hacks, tools, models, trends, and recommended reads to help you stay in demand and in the know!

In this episode we dive into the topic of overcoming a compulsive shopping addiction by using Jaana's newly coined "four finger rule" (Identify, Inventory, Impulse & Invest) to help you create sustainable shopping habits so that not only will it help your bank account and credit cards but will help you make ethically responsible choices.