Financial Mission

I tend to get overwhelmed by clutter. When my house is a mess (which is often, as I have 3 kids and a husband!) I feel more on edge. When my house is clean and organized, I tend to feel more at ease. The same goes for my finances. When my money was a hot mess, so was I!!

Now I wouldn't say my house is anywhere near minimalistic, I wish it was! But between my 3 boys, husband, and even myself, we like to keep things and we like "things"! But I am decluttering and will continue to work towards becoming slightly minimalistic...is that a thing?

When I got on a budget and a plan my mind eased as well, my stress decreased tremendously!

I am a fairly firm believer in spending a little more on quality items, especially my socks! I love my steel wool socks that are about $20-$24 each! However, I still buy second-hand and buy off the sales racks.  

When my counters and house is organized, my mind is calmer.

Will you do me a favor, please? Try decluttering and purging and let me know how you feel!

If you loved this podcast and you are feeling encouraged and ready to tackle your life + finances, would you do me a favor and share it with 3-5 of your friends? Thank you and be sure to make today a great day!

For ALL my info: (Quiz, Podcast, Courses, Free Budgeting 101 online course, Services, Private Facebook Community)

https://linktr.ee/jesswaynecoaching

If you would do me a favor and share on social media that you are enjoying this podcast I would be so appreciative. You can tag me in the post and you will be entered into a monthly Starbucks or Caribou gift card drawing!!  

When I was paying off my mountain of debt, $100,000 of debt. I had a "starter" emergency savings account. After paying off my debt, I increased the amount of money in my emergency fund.

Emergency Fund- When Murphy shows up, be prepared

Having a fully funded emergency fund or what my grandpa called, a rainy day fund, is a must! 

I suggest having at least 6 months’ worth of expenses in your emergency fund. Some experts recommend 3 months and some recommend having up to 12 months. 

You guys, it is not a matter of “what if”, it is a matter of “when”. An emergency is going to happen. Uncle Murphy, ahem, Murphy’s law, is going to come knocking on your door. I want you to be ready when Ol’ Murph shows up. 



If you loved this podcast and you are feeling encouraged and ready to tackle your life + finances, would you do me a favor and share it with 3-5 of your friends? Thank you and be sure to make today a great day!

For ALL my info: (Quiz, Podcast, Courses, Free Budgeting 101 online course, Services, Private Facebook Community)

https://linktr.ee/jesswaynecoaching

If you would do me a favor and share on social media that you are enjoying this podcast I would be so appreciative. You can tag me in the post and you will be entered into a monthly Starbucks or Caribou gift card drawing!!  

Full transparency, there is no intro to this episode because I couldn't get it to work. Technology is not my strong suit. But, that is ok, life will go on.

I’ve been face to face with burnout in the past and it is not something I want to ever encounter again. I was working 24/7 between my full-time job and my part-time job. I was a mother to 3 young kids and I wasn’t taking breaks or taking care of myself. I took everything to heart, and it eventually built up and led to burnout. 

 I was struggling BIG time. I didn’t realize what had happened when my anxiety was getting worse and worse. I started having panic attacks, which I had NEVER had before in my life, and I was in my 30s. It took months to figure out what was going on with me. I had so many “medical issues” going on, and then we finally realized it was panic attacks and uncontrolled anxiety. 

When I got my finances and life under control my anxiety and stress decreased tremendously. 

There are reg flags that burnout is coming and there are ways to prevent burnout. In this podcast episode, I talk about them. For my blog post on How to Prevent Burnout head on over to pursecoach.com/blog

If you loved this podcast and you are feeling encouraged and ready to tackle your life + finances, would you do me a favor and share it with 3-5 of your friends? Thank you and be sure to make today a great day!

For ALL my info: (Quiz, Podcast, Courses, Free Budgeting 101 online course, Services, Private Facebook Community)

https://linktr.ee/jesswaynecoaching

If you would do me a favor and share on social media that you are enjoying this podcast I would be so appreciative. You can tag me in the post and you will be entered into a monthly Starbucks or Caribou gift card drawing!!  

Do you ever wonder where your paycheck went? You think, “I just got paid last week and my money is already gone.” Is there more month left, than money at the end of the month? This is normal, but being normal kinda stinks.

It doesn't matter how much money you make, EVERYONE needs a budget. A budget is simply a plan, it tells your money where to go. So you don't have to worry about your money disappearing like the socks in the dryer. 

There are many ways how you can keep track of your budget, a pen and paper works great, or maybe you want to buy a really pretty spreadsheet, or you can use an app on your phone so your budget it always with you. 

Remember a budget is meant to change and it won't be perfect. Figuring out a budget takes time but you can do it! 

If you loved this podcast and you are feeling encouraged and ready to tackle your life + finances, would you do me a favor and share it with 3-5 of your friends? Thank you and be sure to make today a great day!

For ALL my info: (Quiz, Podcast, Courses, Free Budgeting 101 online course, Services, Private Facebook Community)

https://linktr.ee/jesswaynecoaching

If you would do me a favor and share on social media that you are enjoying this podcast I would be so appreciative. You can tag me in the post and you will be entered into a monthly Starbucks or Caribou gift card drawing!!  

Why do we have debt? 

We might have debt for a variety of reasons, medical bills, college/student loans, or online shopping

How does debt affect us? 

Mentally and physically...I know when I was in debt, I was under a lot of stress, once I paid off the majority of my debt (besides my house) my stress level decreased tremendously! 

How aggressive do you want to be in paying off your debt?

Do you want to go 110% (like I did) and pay off your debt as soon as possible? Or do you want to go a tad bit slower, maybe 90%, and still enjoy life and experiences while paying off your debt?

If you loved this podcast and you are feeling encouraged and ready to tackle your life + finances, would you do me a favor and share it with 3-5 of your friends? Thank you and be sure to make today a great day!

For ALL my info: (Quiz, Podcast, Courses, Free Budgeting 101 online course, Services, Private Facebook Community)

https://linktr.ee/jesswaynecoaching

If you would do me a favor and share on social media that you are enjoying this podcast I would be so appreciative. You can tag me in the post and you will be entered into a monthly Starbucks or Caribou gift card drawing!!  

Our Money Mindset goes all the way back to our childhood. Depending on how you were raised in regard to money, will determine how you handle and think about money. 

Sometimes a change is needed in our mindset and that can take time and hard work and dedication. 

If you loved this podcast and you are feeling encouraged and ready to tackle your life + finances, would you do me a favor and share it with 3-5 of your friends? Thank you and be sure to make today a great day!

For ALL my info: (Quiz, Podcast, Courses, Free Budgeting 101 online course, Services, Private Facebook Community)

https://linktr.ee/jesswaynecoaching

If you would do me a favor and share on social media that you are enjoying this podcast I would be so appreciative. You can tag me in the post and you will be entered into a monthly Starbucks or Caribou gift card drawing!!  

My husband and I were $100,000 in debt, we were drowning. We had a beautiful camper on a permanent camping site and we each had a vehicle loan. Luckily, we had already paid off my small-ish school loans and we did not have any credit card debt. We also had our house payment, but that is separate from the $100,000. We were drowning in debt, and we didn’t even realize it. 

In the spring of 2020, my husband, who is a self-employed farmer had to have emergency back surgery, I was furloughed (basically laid off) from my nursing job and I had to plant our farm crops we were not able to afford to hire someone else to plant our crops. 

 That was a scary and crazy time in our lives. That was also the start of my journey (addiction) to finances! 

I didn’t know how to drive a tractor, let alone plant corn and soybeans. Our kids were also home because there was no school due to the global pandemic. No wait, we were trying to provide them with virtual schooling, while recovering from back surgery, and having a mom sub in as a farmer! I honestly don’t know how we did it. So, there I was driving the tractor for 8-10 hours a day and I usually had 1-2, sometimes all 3 boys riding with me. I have photos of my youngest son taking a nap in the tractor with me and our middle son reading his books for school in the tractor. 

 Well, long story short, I got the crops planted. They weren’t planted well, but they still grew, and we had a decent harvest that Fall. 

 Looking back, I learned so much during that spring. I started listening to money podcasts and realized I had a love for finances and other people’s financial journeys. I found out that I can do anything I put my mind to, even if I don’t want to do it. See, I didn’t want to plant our crops that spring, but I didn’t have a choice. We couldn’t afford to hire someone to plant all our crops, so it was up to me to do it. 

Now, I know not everyone has a large item they can sell to help them get out of debt. However, really take a deep look into your finances and what you “have”. You would be amazed at how much extra stuff you could sell. Maybe you decide to downsize from a brand new or almost new vehicle to something a little older but more affordable. Maybe you decide to eat out at restaurants less often to help you pay off your debt sooner. The goal is to improve yourself through this journey and to change the way you’ve always done things. Working as a team if you are married and with your family if you have kids. Encourage each other and empower one another. I know you can do this!

If you loved this podcast and you are feeling encouraged and ready to tackle your life + finances, would you do me a favor and share it with 3-5 of your friends? Thank you and be sure to make today a great day!

For ALL my info: (Quiz, Podcast, Courses, Free Budgeting 101 online course, Services, Private Facebook Community)

https://linktr.ee/jesswaynecoaching

If you would do me a favor and share on social media that you are enjoying this podcast I would be so appreciative. You can tag me in the post and you will be entered into a monthly Starbucks or Caribou gift card drawing!!