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Episode 3086:

Kumiko outlines three practical steps to instantly improve your mindset around money, offering encouragement for anyone feeling overwhelmed or ashamed of their financial situation. Her approach combines emotional honesty with actionable tools, empowering listeners to regain control and build confidence, one decision at a time.

Read along with the original article(s) here: https://www.thebudgetmom.com/3-things-to-do-today-to-feel-better-about-your-finances/

Quotes to ponder:

"Shame is one of the biggest obstacles when it comes to money."

"You can’t change your past, but you can own it and use it as a stepping stone to a better future."

"When you track your spending, you’re learning how your past money decisions are impacting your life today."

Episode references:

National Foundation for Credit Counseling: https://www.nfcc.org

Financial Counseling Association of America: https://fcaa.org

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