I officially launched Purse Coach—which I rebranded to Jess Wayne Coaching

I’ve worked 1:1 with clients and in a group setting this year

I’ve done an in-person wellness event, presentations, and guest expert speaker for online summits and Mom groups I am stepping WAY outside my comfort zone with this!

 I started a podcast, designed courses, and launched my Financial Mission Membership Program

 I have helped my client save over $10,000 in less than 6 months of working with me 1:1 and they paid off over $20,000 of debt in the same amount of time!

 I went to my first ever Women in Business conference events, wait, I went to one YEARS ago for photography, so this felt like my first one, and it was wonderful, exciting, and I will be going back next year and hoping to attend others in 2024. 

What's coming in 2024-- 

MORE information on personal finances for you all! More stories on my life, mental health, and money. In-person budgeting workshops and classes. I am also going to DIVE DEEP into growing and nurturing my Financial Mission Membership Program and it's members! 

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!!

WOW! It is almost the new year, almost 2024, and now is a great time to reflect on your finances for the year. 

Did you meet your money goals? Did you stay on track with your budget? Did you pay off as much debt as you wanted to in 2023? 

What are your new goals? What are you changing about your current goals? Now is the best time to re-evaluate your goals and progress. 

Maybe you are further ahead financially than you anticipated! That is amazing, congrats! If not, that’s okay, just take the time to reflect on them, what needs to change, and what can YOU do now to meet your goals?

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!!

Celebrating the holidays without overspending is more important now than ever before. With the price of literally everything increasing, you need to be mindful of your holiday spending. 

Spending time together as a family and with loved ones is what the holidays is all about, not how many gifts one receives or gives, or how much you spend on your brother-in-law or niece. 

As far as food goes, there are lots of ways to have a frugal feast!

A frugal feast is all about celebrating the holidays with delicious food, a warm and inviting atmosphere, and meaningful connections while keeping your spending in check. 

Have others bring a dish to pass, opt for low-cost drinks, and side dishes, and save the leftovers! If you have family staying for more than a day, plan on eating the leftovers too, or you can freeze them for later. Utilize coupons and make most of the food from scratch as this will typically keep costs low. 

When hosting a frugal feast, I want you to carefully plan your menus, decorations, and activities to stay within your predetermined budget. This will help prevent you from overspending. 

Have guests bring board games and even some of the decorations. Many hands make a budget-friendly holiday event!

You can also have your kids pitch in on making some handmade decorations for the feast!  

Remember WHY you are celebrating the holiday and the true meaning of the holiday. 

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!! 

Today we are talking about building your financial foundation by utilizing the financial framework that I created and used to pay off $100,000 of debt in less than 2 years! It is so important to have a plan and framework to fall back on and follow when beginning your financial journey. As a money Coach, this is the framework I use when working with my clients. 

When starting your financial journey, the first step in the financial framework is that you need to formulate and set SMART goals. You get to set the goals and detail the actions required to propel you toward your ideal life. 

SMART goals are Specific, Measurable, Achievable, Realistic, and they have a Time-Frame attached to them.

The next step in the financial framework is to Create a customized budget, which is a tool, to come up with a plan for your money. Everyone needs to have a budget, no matter if they make $30,000 or $300,000 a year. A budget is simply a plan for your money and it allows you to know where your money is going. 


The 3rd step in the financial framework is to pay off your debt quickly, but you can also save money in your savings accounts and still enjoy life! You only live once, and you don’t want to miss out on making memories with your loved ones because you are so focused on paying off your debt as quickly as possible. 

Step 4- Build Your Savings- you can start this process while working on paying down your debts. Again, I recommend striving to save at least $1,500 in your starter emergency savings fund, if you have debt. Then you can build it from there. Some of my clients continue adding to their emergency savings fund while paying off debt, some wait to add more until their high-interest rate debt is paid off, and others choose to wait until their debt is completely gone, except for their house/mortgage. It is completely up to you when you decide to beef up your emergency fund. Once your debt is gone, then you should strive to have at least 3-6 months' worth of expenses in your emergency fund. 

The final step is step 5,   Invest in your future retirement and plan ahead for your future expenses. Even when we were paying off our debt, I continued to put money into my retirement accounts.


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 paid off $100,000 of debt in less than 2 years, I did this by using the Zero-based budget method. 

It is super important that you create a customized budget that reflects your values and lifestyle and that you are sticking to it. There are many types of budgeting methods and the zero-based budgeting method is a popular one.  

The Zero-based budget method is where you make a list of ALL your household monthly income, and a list of ALL your monthly household expenses, and the spreadsheet or the numbers will equal zero. This means you are creating a plan and budget to assign every single dollar you earn a place or job in your budget. That may be that you are spending it on food, rent, mortgage, fuel, or debt repayment, or that it is going into your emergency savings account or into a savings account or bucket/sinking fund for future expenses like, home repairs, car maintenance, or a vacation. The point is that you are giving each dollar a job and a place. Every single dollar you earn for income will be assigned a specific purpose. 

 If you are using a spreadsheet or the Every Dollar app, your balance should be zero once you add your income and minus your expenses (including savings). 

 I use this type of budgeting method every month and I set it up on a spreadsheet. I put in my expected monthly household income, then I subtract all of my expenses, starting with paying myself first into my retirement accounts, my boys' savings accounts, and my emergency fund. Then I minus our bills and then our other expenses. And in the end, I end up with a zero-based budget. 

Now, if I assign $400 this month to fuel expenses and only spend $350 on fuel, I will “roll over” that $50 I didn’t spend on fuel for the month onto the next month. Same with any of my budget line items/ categories. So I may not be actually spending each of those dollars on fuel, food, clothing, or pets, but I will ideally be building up a little amount of money into each of those accounts to use in the future. 

So for clothing, if I budget $100/month for clothing, but we don’t buy any clothes for 3 months, I will have $300 in that fund/account that I can then use to buy winter clothes, summer clothes, boots, etc. 

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!!  

Today we are diving into how to budget when you have an irregular (not the same) income from week to week and month to month. 

Many people are challenged because their paychecks are not the same every time. Bartenders, Waiters, Farmers, Business owners, Freelancers, Seasonal Workers, etc. 

 It can be difficult to plan your life and money /budget around an irregular income. But there are ways to make this easier and I will walk you through how to do this. By creating a budget and planning ahead for the future short-term and long-term will help keep your stress levels low, your budget on point, and your savings increasing. 

My husband is a farmer, he makes an irregular income. Some months are good months and some months are bad months. We create our family budget based on his "bad" or lowest months. There are multiple ways to budget for irregular incomes. I personally would rather budget off a low-income month and put the “extra” income into savings or onto debt than to budget for a good month and be short for our bills and expenses in certain months. 

For example, let’s say over the past 4 months you’ve brought home these amounts each month: $4,000, $3,700, $3,900, and $4,100. The way I recommend basing your budget is the $3,700. That means that for the most part, you will always be on a good track and in the positive numbers with your budget. 

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!!  

Welcome back to The Pivot to your passion podcast where we tackle the financial challenges that matter most. I'm Jess and today, we're diving into a critical topic as student loan payments resume after the pandemic pause. If you're feeling the pressure, you're not alone. But don't worry, I’ve got your back. 

The student loan landscape in the United States is undergoing a significant shift as we navigate through the aftermath of the pandemic. In response to the economic challenges posed by COVID-19, the federal government temporarily paused federal student loan payments, provided 0% interest rates, and stopped collections. This relief was a welcome respite for millions of borrowers, as it allowed them to redirect their financial resources towards more immediate needs during the crisis. 

Now, you are in a place where your student loan repayments are starting back up. Meaning, you need to start paying back your student loans.

Americans owe $1.77 trillion in student loan debt, so if you have student loans, you are not alone. Most student loans have a fairly low-interest rate, the average interest rate on a student loan is around 5-6%. Which isn’t super low, but isn’t considered high-interest-rate debt like credit cards. 

It's worth reaching out to your current lender to inquire about interest rate reduction programs they may offer. Some lenders provide rate discounts for borrowers who make on-time payments for a specific period.

We will discuss Strategies for Managing Student Loan Payments. 

The most important thing you can do to help you with your personal finances is to create a budget and to add your student loan repayments into your budget. And to stick to your budget. You can go to jesswaynecoaching.com for information on my budgeting courses.

 As far as how fast you pay off your student loans is going to depend on your goals and the total amount of your student loans you need to repay. 

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!!  

I paid off $100,000 of debt in less than 2 years, during the covid-19 pandemic, while my husband was recovering from emergency back surgery, and while our 3 young boys were home with us 24/7 doing "Virtual Learning". 

If I can do it, so can you! 

In today's podcast episode, we are talking about why it is important to invest in yourself and your financial education. If you don't get your money on the right track now, where will you be in 6 months, 1 year, and 5 years from now? 


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!!  

A little background story about me and my financial journey: it was April 2020, the start of the COVID-19 pandemic, and my husband just had emergency back surgery, I was furloughed from my nursing job for 4 weeks, and our 3 young boys were home 24/7 doing “virtual learning”.

 We found ourselves in a crisis as we needed to get our farm crops planted and we didn’t have the money set aside to hire someone to plant them for us. Since I was
 off work, I was voted the one to plant our crops. I had never even driven a tractor!

 After spending 12+ hours a day in the tractor for a few weeks, I realized that we got ourselves into this situation by not being responsible with our money. We had $100,000 of consumer debt and we needed to pay it off ASAP. I binged everything personal finance related that I could in the tractor, went back to my nursing job, picked up all the overtime I could and we paid off $100,000 of debt in less than 2 years. Now I am teaching others how to manage their money responsibly, pay off debt, and build their savings so they can be financially secure and stable.

Listen to this episode for 12 steps to Financial Stability and Security. 


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!!  

I am so happy you are here today because we are going to be talking about how to prepare for the upcoming busy and often stressful holiday season.

How you can change your habits now, to reduce your stress and overwhelm and increase your joy. 

70% of American’s overspend for the holidays. So if this is you, you are not alone. But you don’t have to overspend. You can prepare for the upcoming holidays now.

If you plan ahead and plan out where you are spending the holidays, who is bringing and preparing what dishes, save money throughout the year, and start your Christmas shopping sooner, you will likely have less stress. 

Changing your habits now can all you to create a joyful and fulfilling holiday season. 

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!!