Shopping for a home is a huge and tough thing to do, especially when you're a single mom or someone who's going through divorce. You're considering to buy a home but everything should still be within your budget range, arming yourself with knowledge over financial things and having someone to simplify things for you is the best thing you do.

Penny Charlson is a Mortgage Loan Expert and a Branch Manager. She has 12 years of experience as a real estate agent and have been in the mortgage business for more than 20 years. She's experienced with many different loan programs including refinancing, purchasing, and other transactions with unique circumstances and special challenges.

In this episode, Penny shares her knowledge about everything you need to know in the mortgage industry. She helps her clients by doing all the maths and educating them carefully to have a good understanding of the process, allowing them to make the best decisions.

Special offer: Penny is offering $500 off of closing costs.

In This Episode We Discuss:

• How interest rates and closing cost are interrelated
• Being creative in finding options
• What constitutes "a total debt"
• Doing the maths to have better options that'll best suit your needs and situation
• Credit reports and using Credit Karma
• Having patience and taking the time to educate yourself
• The importance of face-to-face meeting
• Pre-approval process and how it all works
• Knowledge + Experience = Confidence to make good decisions

"There's a solution to every problem"

Resources Mentioned:

Credit Karma

Penny Charlson

Mortgage Loan Expert | Branch Manager

Facebook

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Visit The Women's Financial Wellness Center for a full directory listing of experts.

https://www.womensfinancialwellnesscenter.com/our-supporters

Be sure to reach out if you would like to connect personally with The Women's Financial Wellness Center. You can visit our website at https://www.womensfinancialwellnesscenter.comor grab a complimentary 30-minute consult at http://bit.ly/dashboardwfwc.

🌟 Master Your Next Move in Divorce: Watch our FREE Masterclass and learn how to empower your divorce journey with confidence, clarity, and control.

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Resilience is defined as the ability to bounce back after adversity. It's like the pinnacle of mental health. Being able to endure and be resilient at the same time is a tough thing to do. The wonderful thing is, resilience can be taught.

Jennifer Van Rossum is a licensed Psycho Therapist in private practice at Cornerstone Counseling. She provides therapy to both teens and adults. Offering resilience and mental strength training.

In this episode, Jennifer talks about what it means to be really resilient. Her goal is to provide creative outlets to deepen personal awareness and growth that leads to a flourishing life.

In This Episode, We Discuss:

• What it means to be resilient
• Inner strengths of compassion and mindfulness
• Having self-compassion and compassion
• Practical things people can do to develop that self-compassion skill?
• Loving kindness and meditation
• Boundaries
• When we build self-compassion, we're recognizing our own self-worth
• Resilience training plus mental strength lifehacks and Strategies
• Life is hard but we can do hard!

"You can't stop the waves, but you can learn to surf" —Jon Kabat-Zinn

Our problems are often times opportunities

Resources Mentioned:

Jennifer Van Rossum

Cornerstone Counseling

741 N. Grand Ave. Ste. 302 Waukesha, WI 53186|262-789-1191

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Visit The Women's Financial Wellness Center for a full directory listing of experts.

https://www.womensfinancialwellnesscenter.com/our-supporters

Be sure to reach out if you would like to connect personally with The Women's Financial Wellness Center. You can visit our website at https://www.womensfinancialwellnesscenter.comor grab a complimentary 30-minute consult at http://bit.ly/dashboardwfwc.

🌟 Master Your Next Move in Divorce: Watch our FREE Masterclass and learn how to empower your divorce journey with confidence, clarity, and control.

🎥 FREE MASTERCLASS: Get Instant Access

When you're in the midst of the divorce process, you're probably considering to sell your home. And if you want to sell it quick, you got to let home staging come in.

Susan Dakins is a Sales Specialist who's also an Accredited Buyer Agents, a Residential Specialist, as well as Senior Real Estate Specialists. From analyzing the market data on how much your home is worth to preparing your home for staging, she helps spouses and individuals who are planning to sell their home.

Not everything is going to be easy or simple. Stress is surely to come, but don't lose hope and stay optimistic! There will always be a way. For the women going through divorce, you've got a lot on your plate and you want people on your side who're experts in what they do and knows when to push and when to step back.

Susan Dakins is offering a 1 hour consultation in preparing and staging your home for sale, timing the market and what to expect every step of the way.

In This Episode We Discuss:

• How to get your home 'showroom' ready
• What are the repairs needed to be made for optimal return on investment (ROI)
• Knowing what's the high-end, low-end, and what to expect before you start investing
• Timing the market
• How Susan and her team deals with an uncooperative spouse or partner
• Additional costs to staging your home
• Realtors are like therapist, they talk people off the ledge and put the facts back in the table

Success isn't about the money you make, it's about the difference you make in people's lives." —Michelle Obama

Resources Mentioned:

Tidying Up (Netflix Show)

Susan Dakins

Sales Specialist, Senior Real Estate Specialist

[email protected]|(262) 894-0623

LinkedIn

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Visit The Women's Financial Wellness Center for a full directory listing of experts.

https://www.womensfinancialwellnesscenter.com/our-supporters

Be sure to reach out if you would like to connect personally with The Women's Financial Wellness Center. You can visit our website at https://www.womensfinancialwellnesscenter.comor grab a complimentary 30-minute consult at http://bit.ly/dashboardwfwc.

🌟 Master Your Next Move in Divorce: Watch our FREE Masterclass and learn how to empower your divorce journey with confidence, clarity, and control.

🎥 FREE MASTERCLASS: Get Instant Access

Buying or selling a home is not an easy transaction but it could get smoother if you have someone to it for you. And having this resource could save you a lot of time, money, and energy.

In this episode, Alyona shares how being a realtor allowed her to be in complete control of everything. Helping her achieve financial freedom, self-esteem, and good financial acumen.

Alyona Caravella is a realtor at RE/MAX and has been in the real estate industry since 2009. Helping families and individuals buy or sell a home. She's also an accredited buyer's agent and an expert in real estate negotiation. She helps anybody from start to finish - from planning to getting the resources ahead of time so her clients can enjoy ease and take charge of their cash flow and finances.

In This Episode We Discuss:

• Alyona's story on becoming a realtor
• Her experience being a landlord
• Tips for women who are planning to dive into the real estate industry
• Who you hire can make or break a business
• What is a Potential Rental Area?
• The pros and cons of becoming a landlord
• What you can control as a landlord
• Why buying an investment property is better than renting
• Education & Planning is the key to successful rental income and investment
• Stay ahead, plan ahead - Alyona Caravella

For every action, there's an equal and opposite reaction (Newton's Law)

When it comes to rentals and investment properties, there's as many plusses as there's minuses.

Resources Mentioned:

Research rental pricing and trends in your area on https://www.craigslist.org/ or https://www.rentometer.com

Access all state approval legal docs on https://wilegalblank.com

Neighborhood Services in Milwaukee County https://city.milwaukee.gov

Report cards for different types of schools or districts:

https://dpi.wi.gov/families-students/data/report-cards

RE/MAX

Alyona Caravella, ABR, CHBA, CHBS, RENE

Real Estate Agent

Re/Max

[email protected]

414.520.7780

Connect with her on LinkedIn Instagram Facebook

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Visit The Women's Financial Wellness Center for a full directory listing of experts.

https://www.womensfinancialwellnesscenter.com/our-supporters

Be sure to reach out if you would like to connect personally with The Women's Financial Wellness Center. You can visit our website at https://www.womensfinancialwellnesscenter.comor grab a complimentary 30-minute consult at http://bit.ly/dashboardwfwc.

🌟 Master Your Next Move in Divorce: Watch our FREE Masterclass and learn how to empower your divorce journey with confidence, clarity, and control.

🎥 FREE MASTERCLASS: Get Instant Access

A lot of women struggle with juggling and balancing together their work and family especially when they're going through a divorce. In order to cope with such situation, it's really important to educate yourself on the rules, laws and guidelines in order to better navigate through an intimidating and complex process such as divorce.

Lindsay Lloyd is an HR Consultant Veteran with 15 years of experience on her hands. She's the owner of Leave Solutions, a company that provides FMLA services for companies when it comes to their employee leave admin without compromising the employee's experience.

She's very passionate about empowering women that are in the workplace. Providing them great tools to help them handle some of their work leave concerns. She does not only help companies but she also offers help and advice to people who have individual questions when it comes to FMLA.

In This Episode We Discuss:

• What is FMLA and hoe does it relate to Divorce?
• Requirements and qualification for an FMLA Leave
• The benefits of EAP (Employee Assistance Program)
• Health Insurance and Medical Benefits
• The QDRO Process and splitting of accounts
• Lindsay's insights on a woman who's on her husband's health insurance
• Taking a loan doesn't hide the money, it's still on record and it's still gonna be a part of those total assets.
• Asking your HR about certain stuff as you start to go through the divorce process

Having a good relationship with the HR department can be really helpful whether it's your employer or your spouse's employer.

Resources Mentioned:

COBRA Insurance

Lindsay Lloyd PHR, CEBS

HR Consultant | FMLA Consultant & Trainer

Email: [email protected] | LinkedIn

Leave Solutions LinkedIn

Leave Solutions

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Visit The Women's Financial Wellness Center for a full directory listing of experts.

https://www.womensfinancialwellnesscenter.com/our-supporters

Be sure to reach out if you would like to connect personally with The Women's Financial Wellness Center. You can visit our website at https://www.womensfinancialwellnesscenter.comor grab a complimentary 30-minute consult at http://bit.ly/dashboardwfwc.

🌟 Master Your Next Move in Divorce: Watch our FREE Masterclass and learn how to empower your divorce journey with confidence, clarity, and control.

🎥 FREE MASTERCLASS: Get Instant Access

Today's episode is a BONUS! Christmas is a few days away. It's a great time where you get to reconnect with friends and love ones. But it can also cause you stress at the same time which shouldn't be.

Susan Pokorny is a wellness trainer with a focus on mind-body health. She's the owner of Pure Home and Body, and the best-selling author of the book Two Inches of Wool. She's also a certified yoga instructor since 2001 and is very passionate about trauma-sensitive yoga.

In this episode, Susan is going to share some heart-centered meditation that is very helpful in dialing down your stress hormones that arises when you are under high-intensity stress. Give your mind and body a break today. Feel better and meditate. Share it with the people around you too, and you'll feel better wherever you go.

In This Episode We Discuss:

• Heart Meditation
• Breath patterns and Inhaling light, love, life, and joy
• How your body responds to stressors
• Focusing on positive thoughts that feeds happiness to your soul
• You have a choice with how your body is going to respond to the stresses around you

Resources Mentioned:

Book: Two Inches of Wool: The Simple Art of Self Care

Susan Pokorny

Wellness Coach

Pure Home and Body

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Visit The Women's Financial Wellness Center for a full directory listing of experts.

https://www.womensfinancialwellnesscenter.com/our-supporters

Be sure to reach out if you would like to connect personally with The Women's Financial Wellness Center. You can visit our website at https://www.womensfinancialwellnesscenter.comor grab a complimentary 30-minute consult at http://bit.ly/dashboardwfwc.

🌟 Master Your Next Move in Divorce: Watch our FREE Masterclass and learn how to empower your divorce journey with confidence, clarity, and control.

🎥 FREE MASTERCLASS: Get Instant Access

One of the biggest financial decision you'll be facing when you're in the process of divorce is - what's going to happen to your family home. Keep the house? Sell it? Buy a new one or rent?

With the right information, women are amazing decision makers. The problem lies in getting the correct pieces of information. But what steps should you take in order to avoid mistakes and regrets later on?

Josh Bucio is Mortgage Originator at Waterstone Bank with 15 years of experience in helping family and individuals with mortgages. He specializes in educating home buyers, providing them complete guidance from the beginning till the family is settled.

He takes the time to understand your entire situation, in order to give you the best guidance possible when choosing a mortgage program. Having clarity and seeing the bigger picture from the beginning gives you peace and enough reason to get moving forward.

In This Episode We Discuss:

• The 5 Item Checklist
• How to calculate your debt income ratios
• Things you need to consider when making decisions
• Impacts of purchasing a house
• Patience and progress
• Understanding the division of the income, debts, and properties
• Tips from Josh Bucio
• Get comfortable being uncomfortable

"You get out what you put in."

The process is not always easy but if you put in the work, educate yourself and connect with the right people, things will work out.

Resources Mentioned:

Credit Karma - a tool to manage your credit

Divorce is not a DIY Project

Josh Bucio

Mortgage Originator

Facebook

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Visit The Women's Financial Wellness Center for a full directory listing of experts.

https://www.womensfinancialwellnesscenter.com/our-supporters

Be sure to reach out if you would like to connect personally with The Women's Financial Wellness Center. You can visit our website at https://www.womensfinancialwellnesscenter.comor grab a complimentary 30-minute consult at http://bit.ly/dashboardwfwc.

🌟 Master Your Next Move in Divorce: Watch our FREE Masterclass and learn how to empower your divorce journey with confidence, clarity, and control.

🎥 FREE MASTERCLASS: Get Instant Access

What does your normal day feel like? Do you feel low most of the time? What are the thoughts running through your head on a regular basis?

Oftentimes we feel like we don't have the energy to do things especially when we're going through a difficult time, like divorce. We associate emotional fatigue with physical fatigue and that affects how we perform every day resulting in decreased productivity and an unfocused mind.

Jill Sommers is a marathon runner, performance coach, and owner of JMS Performance Coaching. She coaches both women and men to live a fulfilled life that makes them feel good both inside and out - be it in business, relationships, sports and other fields of life.

In this episode, Jill emphasizes the importance of self-care, staying focused, getting enough sleep and keeping yourself hydrated all the time. In divorce, just like a marathon, we need to focus on the process and not the outcome, as the outcome will take care of itself.

Navigate your life better and keep on reminding yourself of the benefits of what you're going through right now because it's definitely worth the effort.

In This Episode, We Discuss:

• The perpetual 'Not Enoughness'
• How to prepare for your own race.
• Sport is one of the greatest places we can draw parallels between hardship and life.
• Your support buddy doesn't have to be a human.
• What to do next when you're in the midst of a race.
• Thoughts attract thoughts.
• How to avoid going through the dark spots when you're in the middle of the race.
• The "Joy List"
• Focusing on your strengths and the benefits of your actions.
• When you're more present, you're more aware of your feelings.
• Always have trust and faith that it's going to work out.

"People often say that motivation doesn't last. Well, neither does bathing - that's why we recommend it daily." — Zig Ziglar

Resources Mentioned:

Jill M Sommers

Performance Coach

414-559-7164 | [email protected]

Jill Sommers Website

Facebook

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Visit The Women's Financial Wellness Center for a full directory listing of experts.

https://www.womensfinancialwellnesscenter.com/our-supporters

Be sure to reach out if you would like to connect personally with The Women's Financial Wellness Center. You can visit our website at https://www.womensfinancialwellnesscenter.comor grab a complimentary 30-minute consult at http://bit.ly/dashboardwfwc.

What are your beliefs when it comes to money? Is it evil? Good? Or do you look at it as a tool?

Money in itself is an objective tool but we connect it with a lot of emotion, that's why it's not only a financial topic but an emotional one.

In this episode, we are going to have an assertive financial conversation about the 10 paradigms regarding financial wellness. These 10 beliefs which we are going to explore today can help you go from "Financial Self-Sabotage" to "Financial Self-Confidence". Understanding how money works results in us becoming brilliant decision-makers.

When we have access to knowledge and information we have choices: a choice to do nothing or a choice to go out there do it on your own or find someone you can collaborate with or help you with in order to make good financial decisions and live a more financially well and money-confident life!

I believe that women when they have the right information, make really good decisions! Wealth in the hands of women is a good thing because we're always thinking about others. And that's what makes us great, helping other women be empowered.

In This Episode, We Discuss:

• My family history about money.
• How I built up my business and helping women build confidence when it comes to handling money and their financial life.
• Family history is very important in relation to money.
• Your attitude toward money
• Money is Unfaithful
• The Rule of 72
• Financial literacy is a lifestyle
• The Importance of Financial Literacy and Financial Education especially to us women.
• Budgeting or "The Spending Plan"
• 3 Types of Communication
• Knowledge + Experience = CONFIDENCE
• The importance of having difficult money conversations
• A.N.O.T. Tool for Negotiating
• The definition of " Financial Wellness"

"I did then what I knew how to do. Now that I know how to do better, I do better!" — Rhonda Noordyk

Resources Mentioned:

• Divorced Conversations for Women Podcast
• The Rule of 72 by Albert Einstein
• University of Wisconsin Extension - Financial Coaching Training
• Mint.com - an automated tool for budgeting
• Beautiful Budget Online Course

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Visit The Women's Financial Wellness Center for a full directory listing of experts.

https://www.womensfinancialwellnesscenter.com/our-supporters

Be sure to reach out if you would like to connect personally with The Women's Financial Wellness Center. You can visit our website at https://www.womensfinancialwellnesscenter.comor grab a complimentary 30-minute consult at http://bit.ly/dashboardwfwc.

Divorce is complicated in itself and it could get even more so with Social Security benefits. Because you're no longer married, depending on your personal situation, a few sets of different rules will apply. And the more you educate yourself about this topic the more prepared and better equipped you'll be.

Randy Kitzmiller, a National Social Security Advisor, Retirement Income Certified Professional through the American College and a Retirement Income consultant at Ash Brokerage, help others get protection and receive security for their planning needs through seminars and educational events regarding the benefits of Social Security.

In this episode, Randy shares common concerns and relevant information regarding social security benefits. A lot of women and men alike don't realize that there are certain benefits they're entitled to receive when they are divorced. And just by knowing that you could receive such benefits can be life-changing.

In This Episode We Discuss:

• If you're educated enough about certain topics you can make really good decisions.
• Spousal benefits vs. Survival Benefits
• Divorced Spouses have Survivor Benefits if certain criteria are met.
• Divorced Spouses have benefits if certain criteria are met.
• Example scenarios of Social Security Benefits
• Interesting things you should know under the Divorce benefits.
• Social security is not an emotional decision it's a financial decision.
• Education is key, get what you deserve. Your personal situation will dictate it.

"Social security benefits although available to men and women is a women's issue and to be able to maximize those benefits is key."

Books mentioned:

Get What's Yours: The Secrets to Maxing Out Your Social Security by Laurence Kotlikoff, Paul Solman, and Philip Moeller

Resources Mentioned:

Randy Kitzmiller

Retirement Income Consultant

LinkedIn

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Visit The Women's Financial Wellness Center for a full directory listing of experts.

https://www.womensfinancialwellnesscenter.com/our-supporters

Be sure to reach out if you would like to connect personally with The Women's Financial Wellness Center. You can visit our website at https://www.womensfinancialwellnesscenter.comor grab a complimentary 30-minute consult at http://bit.ly/dashboardwfwc.

🌟 Master Your Next Move in Divorce: Watch our FREE Masterclass and learn how to empower your divorce journey with confidence, clarity, and control.

🎥 FREE MASTERCLASS: Get Instant Access