Creatives Do Money

This week on the Creatives Do Money Podcast, Episode #36

{I realized} “I’m not able to use money in a way that supports my values because I don’t have enough of it.  Even though I might believe that money is the root of all evil, NOT having money right now is making me invest in these companies that I don’t believe in, that I don’t align with.”

Amy Kuretsky on Creatives Do Money Podcast, Episode 36

Have a question about getting better with money when you’re self-employed? Email Eowyn your question in text or audio form: [email protected] and she’ll answer it in a future episode.

This episode is a good one, folks, and I’m so glad I get to share it finally.  My guest, Amy and I talk about how being a teenage punk influenced her thinking about money, and her work to let go of poverty mindset. Taking a month off of work each year to escape the MN winter – no small feet for someone self-employed in service areas.  Amy takes us into how she manages affordable pricing and accessibility as a whole in her work, and how her approach is evolving over time.

And we get into what it’s like to purchase a home when you and your spouse are both self-employed, including touching on the guilt and shame that can come with unearned privilege, even when we’re doing our best to use our privilege to create the change we wish to see in the world.   Amy Kuretsky (she/her) is a breathwork facilitator and wellness coach for mind, body, and business working on occupied and unceded Dakota and Anishinaabe territory. Her work is focused on helping radical business owners thrive in the liminal space between work and life. She believes that the health of our physical and emotional bodies are inextricably tied to the health of our businesses, and that when we work in this overlap we can build businesses that are heart-centered and healing for both the individual and the collective.

When she’s not supporting others, she’s hiking in the woods with her pup, playing nerdy board games, or pulling tarot cards. Connect further with Amy Kuretsky and her work Instagram @amykuretsky (she’s currently on hiatus from that space though)Amy’s coworking groupAmy’s website Resources / Links Money Coaching with Eowyn

I’ll be taking a summer break, to return with solo episodes in some shape or form in the Fall. I will continue to share interview episodes here and there though!

This week on the Creatives Do Money Podcast, Episode #35

This week on the Creatives Do Money Podcast, Episode #34

My guest today is Nicole Antoinette. She is a writer, recovering self-help junkie, retreat & mastermind group facilitator, and the host of the wonderful Real Talk Radio podcast.

And over time, Nicole has crafted a business that supports her and helps her to enact her values, and to create a world she wants to see, on a tiny microcosm level, as she puts it. She’s also very open about her finances and how she handles money, and I’m excited to share this conversation.  

Have a question about getting better with money when you’re self-employed? Email Eowyn your question in text or audio form: [email protected] and she’ll answer it in a future episode.

How Nicole came to pay off $50k in student loans by the time she was 27 years old

The defining childhood moment that prompted some extreme financial moves to pay off her loans so quicklyThe commitment she made to herself after that childhood experience.The lasting negative money thoughts that she’s slowly worked through.How scarcity mindset plays in for her, and how she tackles it.

” A lot of what interests me about solo self-employment.  I love the fact that the business model itself can be a way to enact your values, or the world that you want to see, on a tiny microcosm scale.” Nicole Antoinette on Creatives Do Money Podcast, Episode 34

Navigating chronic mental health challenges and being a solo self-employed individual

The impact of some rapid class changes in her life, first with parents and then with former spouse. And how that included moving into a tiny van! Why you can just buy the damn pine nuts and enjoy them. How running and sobriety have informed her business journey

On her radical business practices

How she has built in paying her podcast guests Community participation and support through Patreon Radical financial openness as a value

Connect further with Nicole and her work:

Nicole's Wild Letters Substack

Nicole’s website

Thank you for listening to this episode of Creatives Do Money Podcast. If you enjoyed this episode, please share, subscribe and review on Apple Podcasts or Google Podcasts so more folks can find the show and enjoy it too.

Theme Music and Sound Mixing

Michael P Atkinson:  www.michael-p-atkinson.com

If I take myself back to the core habits that are the foundation of the financial systems and structures I have set up to build stability and resilience around money, here are the top three.

Have a question you want answered on the podcast? Email Eowyn your Q in text or audio form: [email protected] I can’t wait to hear from you!

This week on the Creatives Do Money Podcast, Episode #33

When we take the basics seriously, everything changes. So today, I’m introducing you to the 3 simple basic habits that will take you where you want to go in your financial life.

For more about Habit creating and dissolving, start with:

The Power of Habit by Charles Duhigg

Better Than Before by Gretchen Rubin

This week on the: Creatives Do Money Podcast, Episode #32

Your time is a finite resource, one that you never get back once used up or given away.  And how you choose to spend your time has huge implications for your business, and your life as a whole. Without any judgement or shoulds, my guest today takes us into the arena of time tracking and becoming intentional around spending our time on and in our business.   She tells us about the one app that has made all the difference for her. The big personal event that was her wake up around pricing her services, the one kind of time tracking folks leave out but that can have a huge impact on your success. And so much more.

Jennifer Duann Fultz is the founder of Chief Executive Auntie, a blog and podcast where she helps Asian American and other BIPOC freelancers and creatives earn more money. She believes in leveraging our identity and struggles as an asset, not a hindrance. She also consults as part of the Embrace Change team and teaches other business owners how to create transformational learning experiences.

“When I talk to people about pricing, and I asked “Hey, how would your life be different if you if your prices were higher?”

The number one thing I hear people say is I would work less. It’s like, yes, yes, that’s it. That’s exactly what it is! Your pricing and your time are so interwoven, because your time is the only… time is the only thing you can never get more of. You can get more money, you can get more resources, but you never get back time that you have spent. And so yeah, learning to manage time and manage money have kind of been like a parallel journey for me.”

Jennifer Duann Fultz on Creatives Do Money Podcast, Episode 32

Have a question about getting better with money when you’re self-employed? Email Eowyn your question in text or audio form: [email protected] and she’ll answer it in a future episode.

What does it look like when we don’t value our time, or really know what we do with it? During a big change of life, Jenn realized she actually couldn’t really pay herself, let alone take care of all her other business expenses and needs with her current prices.A crucial decision at the outset of her current business that set her up to make the most of her time in the office.

How the pandemic influenced her relationship to her time.

5 categories it’s ideal to track when looking at how you spend your time for your work and business:

Key tools that Jennifer uses in her business:

Dubsado, Convertkit, Trello, Good old notebook and paper or whiteboard

How do spreadsheets and business finances make your life better? Think I’m full of it?

Today we’re talking self-employed and freelancer business finances 101. Treating your self-employed work and offerings as a business will bring more ease, structure, and stability into your life as a whole. Getting good at handling your business finances, and setting up the systems you need is self-care for your work, supporting you and nurturing you and your life, rather than draining you.

Have a question you want answered on the podcast? Email your host Eowyn your Q in text or audio form: [email protected] I can’t wait to hear from you!

This week on the Creatives Do Money Podcast, Episode #31

We’re going to touch on:

Here are the simple but key habits and systems to put in place too set your creative self-employed business up for success:

Why it’s important and will make life easier in the end.

Have a clear tailored-for-you Chart of Accounts, aka Business Finances Blueprint

What does that even mean, why you should care, and what is the basic structure of your Chart of Accounts

Stay up to date

How exactly this makes all the difference in your work as a whole

Prepare for taxes year round

What to think about and how exactly to do it

Savings in your business

Take care of your future self

Paying yourself

Why it’s so impactful to actually do this, and do it intentionally

The identity of a business owner

As a recent guest put it “it’s time for radically kind people to get comfortable with power and money.”

So, what if you could redefine ‘business owner’ for yourself, in a way that fits you, and invites you to take the financial management of your business and life seriously?

Lastly, I share a couple tips of how to get cracking with implementing (or updating) these systems for yourself

Resources / Links

Money Coaching with Eowyn - email [email protected]

This week on the Creatives Do Money Podcast, Episode #30

Ean Price Murphy is a bookkeeping business owner, coach, and consultant.  And her company is a Profit First Certified Master Firm.  If you’re wondering what in the heck profit first is, keep listening.  In short though, it’s a way of handling your business income in order to make sure you’re actually earning a good living from your business or freelance work.  And if you’re not there yet, this is a really impactful way of working your way towards that good living in the most effective way.  

"It is time for radically kind people to get comfortable with power and money” Ean Price Murphy on Creatives Do Money Podcast, Episode 30

Have a question about getting better with money when you’re self-employed? Email Eowyn your question in text or audio form: [email protected] and she’ll answer it in a future episode.

Ean’s wild journey as a self-employed business owner in her 20s

The impact of ignoring her business finances at the beginning of her self-employment journey. How she almost lost her business, but managed to pull in the essential help that made the differenceLearning to really value her work, and to charge accordingly.

What exactly is Profit First and how does it work for a creative freelancer?

The common personal finance tool that Profit First is modeled from Ean walks us through the 5 key accounts necessary to use the Profit First system. How to adapt Profit First for highly variable income. The ways that Profit First forces you to get creative and smart with your business expenses.

“Fill your owners pay cup when you have income and sip from it when you have need” Ean Price Murphy on Creatives Do Money Podcast, Episode 29

Ean weighs in on my money management system in my massage practice

The areas that I’m overcomplicating thingsHow I could start paying myself a regular ‘salary’ instead of different amounts each week. The unique blueprint we have to each find for our own businessesMaking sure to allocate and plan your spending accurately and prepare for the future.

“Simplicity is important.  That’s how we make habits stick.  That’s how we reduce overwhelm.” Ean Price Murphy on Creatives Do Money Podcast, Episode 29

And we finish with Ean highlighting how using Profit First fits with ‘normal’ business bookkeeping of maintaining a Profit and Loss Statement, Balance Sheet, and so on. And Ean shares why this work is so important to her, and the impact it truly has on the world at large.

Connect further with Ean and Moxie Bookkeeping

Facebook Moxie Books

Ean’s Facebook Group Financial Clarity for Creative Business Owners

Moxie Bookkeeping Profit First Allocations Calculator

Resources / Links

Money Coaching with Eowyn

What if ‘more’ wasn’t the only answer to how much money do I need or want to make? What if we had a good idea of what we’re aiming towards, and wrapped that all up with SO much gratitude for what we have right now?

Today’s show is in invitation to think about how much is enough in your life, inspired by a question from Nicole Antoinette’s Good Question blog/newsletter.

Have a question you want answered on the podcast? Email Eowyn your Q in text or audio form: [email protected] I can’t wait to hear from you! How can we even?

Free Guide: 3 Simple Steps to Improve Your Finances When Your Money is a Mess

This week on the Creatives Do Money Podcast, Episode #29

How mapping out the different areas of Enoughness can help you with both aspectsThe steps to visioning what’s enough for you. Why it’s so impactful to do so.

Resources / Links

Money Coaching with Eowyn

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Creatives Do Money Together 

Money work can take grit, and we’re in it for the long haul. Join us in the Plum Tree Community for companionship, accountability, and education around personal finance as a self-employed creative.  

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