Bad At Math, Good With Money - with Dr. Tamara Dias

The last episode of season 1 of the "Bad at Math, Good with Money" podcast discusses the importance of having habits and routines in managing finances. Dr Tamara Dias, the host and a Certified Financial Social Work Educator, talks about how habits and routines are essential in holding oneself accountable for financial goals. She emphasizes the significance of payday or paycheck routines and shares her own process as an example. Dr. Dias also encourages listeners to create their own routines, even if they have varied incomes.

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Welcome back! Dr. D and Producer Zack discuss the importance of credit cards and credit scores. Dr. D shares her personal experiences and encourages listeners to improve their credit proactively. Credit scores are calculated based on various credit accounts and can vary depending on the credit reporting agency. She also mentions the significance of payment history, credit utilization, and credit history length in determining credit scores. All important stuff! Dr. D advises against closing old credit cards and emphasizes the importance of responsible credit card use, such as maintaining a good payment history, keeping balances below 30% utilization, and preserving credit history. All things "credit scores" on this one, we hope you enjoy!

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This episode features guest Tony Drake, an online coach for mindset, body, nutrition, and habits, who shares his personal transformation journey and how it aligned with his financial journey. Drake talks about his struggles with addiction to junk food as a 12-year-old and how his comfort with junk food was his best friend. He also shares his experience living with a single mom and being the youngest of four boys. Drake explains how he realized he needed to take action and create the life he wanted, rather than waiting for life to happen to him. He discusses how he started his fitness journey and how it aligned with his financial journey, as he had to learn how to manage his money to afford a gym membership and healthy food. He also highlights the importance of mindset and how it affects one's financial journey. Drake emphasizes the need to have a positive mindset and to believe in oneself to achieve financial success.

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Welcome back to "Bad at Math, Good with Money"! Dr. D's guest is finance coach and insurance broker Tishaun Dennis, who shares his background in managing personal debt. They discuss relatable experiences of struggling with bills and debt, particularly in early adulthood and college years. They challenge common misconceptions about debt's role in achieving financial freedom and stress the importance of using debt repayment tools wisely to avoid financial hardship. And don't forget about dealing with the debt avalanche method! Dr. D emphasizes the importance of celebrating debt repayment successes while planning ahead and avoiding impulsive spending. Reward yourself along the way, a key facet in any financial journey! If you have any questions for them, please reach out- Enjoy!

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A good emergency fund will make you or break you - Dr. D shares some best practices and tips in this episode that can help you work through the next rain storm that life brings and give you the umbrella that you need to make sure you can financially recover and keep things moving. 6 in 10 people in the workforce can't cover a $500 unexpected expense - don't let that be you! Start saving today and learn how even small savings each week can set you up for success in the future.

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Ramon's Course: https://thedonedissertation.com/

Dr. D welcomes her first guest, Dr. Ramon Goings, the founder of Done Dissertation, which supports doctoral students in completing their dissertations in one year or less, and is also an associate professor at the University of Maryland Baltimore County. In this episode, Dias and Goings discuss his upbringing and how it influenced his desire to become an entrepreneur. Goings shares that his mother's journey through sobriety taught him about consistency and sticking with something to completion. He also discusses the challenges he faced in starting his business and the importance of building a strong team. For those tuning in who are entrepreneurs themselves, Goings provides valuable advice, including the need to develop a strong brand and to be willing to pivot when necessary. Overall, the conversation offers insight into the mindset of a successful entrepreneur and the lessons learned along the way.

Sign up for a 1:1 Coaching Discovery Call with Tamara!

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Welcome back to another episode of "Bad at Math, Good with Money"! In this episode, Dr.D emphasizes the importance of setting financial boundaries and communicating clearly to prioritize personal financial goals. Drawing on her background in financial social work, she explains how boundaries keep us safe in all aspects of life, including financial planning! Dr. D encourages viewers to learn to say "no" firmly and without explanation. Sometimes.... "No" is all you need! Personal spending habits are put under the microscope. Do we really need that Uber Eats order? Or as our mothers used to say... "we got food at home!" All jokes aside, we aren't ALWAYS going to stick to our plans fully; however, certain precautions can be taken to help you remain on a consistent track.

Enjoy!

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Welcome back to Bad at Math, Good with Money! In this episode, Dr.D addresses the importance of having a positive money mindset, reflecting on past experiences, and setting clear financial goals. She advocates starting from a place of gratitude and mindfulness, considering emotions and opportunity cost before making purchases, and surrounding oneself with positive influences for accountability and encouragement. Patience and consistency are the absolute keys to your financial journey! Keeping these thoughts in mind will help you stay on track and "BE GOOD WITH MONEY"! Please let us know any questions in the comments... Enjoy!

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On today's episode of Bad with Math Good with Money, Dr. Tamara Dias introduces the concept of resilient budgeting. She emphasizes the importance of understanding income and expenses and creating flexible spending categories for unexpected expenses. She also highlights the benefits of flexible budgeting, staying informed about finances, and the differences between liquid savings and investments. Tamara encourages starting financial planning and investments at any age and discusses the importance of starting small and building up from there. The episode includes an "Ask Tamara" segment for listener questions so be sure to submit yours for the next episodes!

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Get access to my free Emergency Guide for when Crisis Strikes!

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Produced by Morrisette Media

https://morrisettemedia.com

Sign up for a 1:1 Coaching Discovery Call with Tamara!

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Get access to my free Emergency Guide for when Crisis Strikes!

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Welcome to the first episode of "Bad at Math but Good with Money" with host Tamara Dias, or Dr.D! Our central topic discusses self-awareness as the foundation for personal money management. Dr.D encourages listeners to reflect on their unique money management styles and introduces her four types: Spender, Investor, Saver, and Avoider. Do not frett if you are in the "Avoiders" category, it's common and there are many solutions. The episode emphasizes the importance of understanding one's financial situation before seeking external advice and resources. Additionally, Dr.D offers tips on approaching conversations about finances with aging parents, focusing on asset identification and maintaining an empathetic approach. Stay locked in for the Ask Dr.D segment at the end. We are glad you are here, now lets get good with money!

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Produced by Morrisette Media

https://morrisettemedia.com