Financially Free with Cleo

We discussed gentrification, why we should change our lifestyle to afford the new cost of living and a personal finance calendar to help you spread your goals throughout the year. 

Article mentioned in this show:

https://www.schwab.com/resource-center/insights/content/personal-finance-calendar

#MoneyMindset #Podcaster #FinanciallyFreeWithCleo

Every Thursday 12:00pm - 12:30pm CST is the LIVE Money Mindset Edition of Financially Free with Cleo Podcast. 

We will discuss trending topics, current events, and everything you should know to shift your money mindset so you can live financially free. Join in on the conversations!

__

The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast

Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community

https://www.cleoyogafinance.com/offers/daily-money-habits-text-community

Join me every Sunday at 11:00am CST for a Money Yoga Session

https://www.cleoyogafinance.com/money-yoga

Grab Your Financial Affirmation Cards 

https://www.cleoyogafinance.com/offers/financial-affirmations

Let’s Stay Connected: 

Instagram 

https://www.instagram.com/cleoyogafinance/

YouTube

https://www.youtube.com/c/CleoYogaFinance

TikTok

https://www.tiktok.com/

LinkedIn

https://www.linkedin.com/in/cleochildress/

Twitter

https://twitter.com/cleoyogafinance

Facebook

https://www.facebook.com/CleoYogaFinance

Website

https://www.cleoyogafinance.com/

Sometimes we delay taking the first or next step because we think we aren't ready or it's not the right time. It will never be the right time. You will always think you need more to start. 

Start with who you are and what you have. As you do the work, you'll be provided with everything and everyone you need along the way. 

0:00 - 0:26 Putting int the work 

0:27 - 0:46 Intro 

0:47 - 4:12 Starting before you're ready 

4:13 - 7:32 My favorite Martin Luther King Jr Quote 

7:33 - 9:36 Life it short 

9:37 - 10:22 None of us are perfect

10:23 - 11:03 Commercial Break: Money Yoga Session

11:04 - 12:36 Next 12 months of your life 

12:37 - 16:30 Excuses

16:31 - 19:23 Daily Money Habits Text Community 

19:24 - 19:35 Outro

__

The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast

If you enjoy the show, please subscribe, rate and leave a review. We appreciate the support. 

#StartNow #Podcast #FinanciallyFreeWithCleo

Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community

https://www.cleoyogafinance.com/offers/daily-money-habits-text-community

Join me every Sunday at 11:00am CST for a Money Yoga Session

https://www.cleoyogafinance.com/money-yoga

Grab Your Financial Affirmation Cards 

https://www.cleoyogafinance.com/offers/financial-affirmations

Let’s Stay Connected: 

Instagram 

https://www.instagram.com/cleoyogafinance/

YouTube

https://www.youtube.com/c/CleoYogaFinance

TikTok

https://www.tiktok.com/

LinkedIn

https://www.linkedin.com/in/cleochildress/

Twitter

https://twitter.com/cleoyogafinance

Facebook

https://www.facebook.com/CleoYogaFinance

Website

https://www.cleoyogafinance.com/

What 3 professionals would you hire to make your personal or professional life easier? 

Sometimes we get busy and overwhelmed trying to do everything ourselves, but sometimes it feels great to get someone else to help and take the load off. 

I would hire a chef, makeup artist and a handyman/mechanic. Let me know who you would hire.

Every Friday at 8:00am CST is "Question of The Day Edition" of Financially Free with Cleo Podcast!

__

The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast

Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community

https://www.cleoyogafinance.com/offers/daily-money-habits-text-community

Join me every Sunday at 11:00am CST for a Money Yoga Session

https://www.cleoyogafinance.com/money-yoga

Grab Your Financial Affirmation Cards 

https://www.cleoyogafinance.com/offers/financial-affirmations

Let’s Stay Connected: 

Instagram 

https://www.instagram.com/cleoyogafinance/

YouTube

https://www.youtube.com/c/CleoYogaFinance

TikTok

https://www.tiktok.com/

LinkedIn

https://www.linkedin.com/in/cleochildress/

Twitter

https://twitter.com/cleoyogafinance

Facebook

https://www.facebook.com/CleoYogaFinance

Website

https://www.cleoyogafinance.com/

Today we talked about budgeting myths. Here's the article discussed during this episode: 

https://www.ramseysolutions.com/budgeting/budgeting-myths

Every Thursday 12:00pm - 12:30pm CST is the LIVE Money Mindset Edition of Financially Free with Cleo Podcast. 

We will discuss trending topics, current events, and everything you should know to shift your money mindset so you can live financially free. Join in on the conversations!

__

The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast

Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community

https://www.cleoyogafinance.com/offers/daily-money-habits-text-community

Join me every Sunday at 11:00am CST for a Money Yoga Session

https://www.cleoyogafinance.com/money-yoga

Grab Your Financial Affirmation Cards 

https://www.cleoyogafinance.com/offers/financial-affirmations

Let’s Stay Connected: 

Instagram 

https://www.instagram.com/cleoyogafinance/

YouTube

https://www.youtube.com/c/CleoYogaFinance

TikTok

https://www.tiktok.com/

LinkedIn

https://www.linkedin.com/in/cleochildress/

Twitter

https://twitter.com/cleoyogafinance

Facebook

https://www.facebook.com/CleoYogaFinance

Website

https://www.cleoyogafinance.com/

Part 2 of the Start Fresh 4 Week Series created to help you reach your money and life goals in 2022. 

Sometimes we go with the flow in life, but that doesn’t always work. When we desire something, we must be intentional about how we make space for it in our life. Start with creating a theme to help guide over the next 12 months. 

Some days will be easy, some will be difficult. No matter the day, you’ll always take action that aligns with your theme to help you reach your goals. No more moving the goals to the next year, if we don’t have to. Next year you will be glad you put in the work this year. 

Breakdown of what’s included in this episode:

0:00 - 0:33 - Living paycheck to paycheck 

0:34 - 0:52 Intro 

0:53 - 5:16 Choosing a theme for your life 

5:17 - 7:29 Paying cash for a car

7:30 - 8:10 Commercial Break: Money Yoga Session

8:11 - 9:18 Be specific and organized with goals 

9:19 - 10:32 Focus on your own powerful journey

10:33 - 15:13 Relax and sleep more 

15:14 - 17:24 Decide what YOU want

17:25 - 19:36 Daily Money Habits Text Community

19:37 - 19:48 Outro 

The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast

If you enjoy the show, please subscribe, rate and leave a review. We appreciate the support. 

Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community

https://www.cleoyogafinance.com/offers/daily-money-habits-text-community

Join me every Sunday at 11:00am CST for a Money Yoga Session

https://www.cleoyogafinance.com/money-yoga

Grab Your Financial Affirmation Cards 

https://www.cleoyogafinance.com/offers/financial-affirmations

Let’s Stay Connected: 

Instagram 

https://www.instagram.com/cleoyogafinance/

YouTube

https://www.youtube.com/c/CleoYogaFinance

TikTok

https://www.tiktok.com/

LinkedIn

https://www.linkedin.com/in/cleochildress/

Twitter

https://twitter.com/cleoyogafinance

Facebook

https://www.facebook.com/CleoYogaFinance

Website

https://www.cleoyogafinance.com/

Every Friday at 8:00am CST is "Question of The Day Edition" of Financially Free with Cleo Podcast!

What would you do today with $20K?

I read an article this week that said 70% of millennials are living paycheck to paycheck. It also said that the older millennials had the brokest energy. 

Millennials are ages 25 - 40. Younger millennials are ages 25 - 32. Older millennials are ages 33 - 40. Let's all refuse to be in this brokest energy category. 

If you had $20,000 today, what are two things you would do to either pull you out of the brokest energy category or avoid getting into that category? 

Let me know in the comments on YouTube!

Articled referenced in this video: 

https://www.businessinsider.com/broke-millennials-living-paycheck-economic-crisis-savings-spending-survey-2021-6

__

The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast

Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community

https://www.cleoyogafinance.com/offers/daily-money-habits-text-community

Join me every Sunday at 11:00am CST for a Money Yoga Session

https://www.cleoyogafinance.com/money-yoga

Grab Your Financial Affirmation Cards 

https://www.cleoyogafinance.com/offers/financial-affirmations

Let’s Stay Connected: 

Instagram 

https://www.instagram.com/cleoyogafinance/

YouTube

https://www.youtube.com/c/CleoYogaFinance

TikTok

https://www.tiktok.com/

LinkedIn

https://www.linkedin.com/in/cleochildress/

Twitter

https://twitter.com/cleoyogafinance

Facebook

https://www.facebook.com/CleoYogaFinance

Website

https://www.cleoyogafinance.com/

Every Thursday 12:00pm - 12:30pm CST is the LIVE Money Mindset Edition of Financially Free with Cleo Podcast, live streamed on YouTube. 

We discuss trending topics, current events, and everything you should know to shift your money mindset so you can live financially free. Join in on the conversations!

This week we discussed the following: 

0:00 - 0:40 (Welcome)

0:41 - 9:44 (70% of Millennials living paycheck to paycheck)

9:45 - 23:56(4 ways to manage money better)

22:57 - 27:17(US has $1.73 Trillion of Student Loan Debt)

27:18 - 32:47 (Why self care is required)

32:48 - 34:47 (Daily money habits text community) 

34:48 - 35:03 (See you next week)

__

The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast

Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community

https://www.cleoyogafinance.com/offers/daily-money-habits-text-community

Join me every Sunday at 11:00am CST for a Money Yoga Session

https://www.cleoyogafinance.com/money-yoga

Grab Your Financial Affirmation Cards 

https://www.cleoyogafinance.com/offers/financial-affirmations

Let’s Stay Connected: 

Instagram 

https://www.instagram.com/cleoyogafinance/

YouTube

https://www.youtube.com/c/CleoYogaFinance

TikTok

https://www.tiktok.com/

LinkedIn

https://www.linkedin.com/in/cleochildress/

Twitter

https://twitter.com/cleoyogafinance

Facebook

https://www.facebook.com/CleoYogaFinance

Website

https://www.cleoyogafinance.com/

Part 1 of the Start Fresh 4 Week Series created to help you reach your money goals in 2022. 

It's a new year, which means many of us are searching for ways to improve our financial lifestyle. Year after year, many of us say, "New Year New Me, then at the end of the year realize we really haven't accomplished much. Why is that?

Why do we feel we need a new year to be a new person and put in the work. Every day is a new opportunity for a fresh start. Let's start 2022 off with grace and intentions. 

Breakdown of what’s included in this episode:

0:00 - 0:26 Always paid bills late 

0:27 - 0:46 Intro

0:47 - 3:15 New year new me is played out  

3:16 - 10:22 Eviction taught me a lesson 

10:23 - 11:03 Commercial Break: Money Yoga Session

11:04 - 14:46 Mindset shift 

14:47 - 16:00 Importance of Being vulnerable 

16:01 - 19:06 Change your vocabulary 

19:07 - 19:18 What to do next 

19:19 - 22:05 Daily Money Habits Text Community 

22:06 - 22:26 Wrap up 

22:27 - 22:38 Outro 

The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast

Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community

https://www.cleoyogafinance.com/offers/daily-money-habits-text-community

Join me every Sunday at 11:00am CST for a Money Yoga Session

https://www.cleoyogafinance.com/money-yoga

Grab Your Financial Affirmation Cards 

https://www.cleoyogafinance.com/offers/financial-affirmations

Let’s Stay Connected: 

Instagram 

https://www.instagram.com/cleoyogafinance/

YouTube

https://bit.ly/3qoFL12

TikTok

https://www.tiktok.com/

LinkedIn

https://www.linkedin.com/in/cleochildress/

Twitter

https://twitter.com/cleoyogafinance

Facebook

https://www.facebook.com/CleoYogaFinance

Website

https://www.cleoyogafinance.com/

Sometimes we desire something for so long, then later realize that what we once desired is no longer the best opportunity for us. And that’s ok. We grow and evolve. Sometimes we need to experience things to discover the best path to take. That path can change over time.

I recently made a huge decision, which was letting go of a great opportunity at a new station in Texas. It would have been a two year contract as a Digital New Anchor/Host, which was a dream opportunity. Before my start date I realized that although this was a great opportunity, it was no longer the best opportunity for me in this season of my life.

Breakdown of what’s included in this episode:

0:00 - 0:21 Chasing Opportunities

0:21 - 0:40 Intro

0:41 - 1:52 Don’t Underestimate You Experiences

1:53 - 12:05 I Wanted To Be A News Reporter

12:06 - 12:46 Commercial Break: Money Yoga Session

12:47 - 17:22 I Accepted The New Station Job But Something Changed

17:23 - 19:01 Letting Go Of My Dream Opportunity 

19:02 - 20:00 What or Who Do You Need To Let Go Of?

20:01 - 22:52 Learn How To Make Decision And Not Sit For Too Long

22:53 - 23:04 Ask Yourself: What or Who Do I Need to Let Go Of?

23:05 - 25:08 Join the Daily Money Habits Text Community

25:09 - 25:21 Outro 

Special thanks to Cleo Greene (News Anchor WFAA ABC Dallas) and Kamara Daughtry (Digital Career Opportunities Worldwide)

The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) cleoyogafinance.com/podcast

Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community

cleoyogafinance.com/offers/daily-money-habits-text-community

Join me every Sunday at 11:00am CST for a Money Yoga Session

cleoyogafinance.com/money-yoga

Grab Your Financial Affirmation Cards 

cleoyogafinance.com/offers/financial-affirmations

Let’s Stay Connected: 

Instagram 

instagram.com/cleoyogafinance/

YouTube

https://bit.ly/3qoFL12

TikTok

tiktok.com/@cleoyogafinance

LinkedIn

linkedin.com/in/cleochildress/

Twitter

twitter.com/cleoyogafinance

Facebook

facebook.com/CleoYogaFinance

Website

cleoyogafinance.com/

When deciding which financial path to take, it can sometimes become overwhelming.

The first step is to get clear on what YOU need and want for your financial lifestyle. There can be pros and cons to both sides.

Second step is to educate yourself on what is required to have a successful and fulfilling experience, whether if you're choosing to live a debt free lifestyle or credit lifestyle.

Third step is to take action consistently. Things change in the financial world daily. It's great to surround yourself with people and resources to guide you and keep you informed on the journey.

In this episode, I shared my own personal experiences and thoughts on debt free vs credit. There is no right or wrong decision. Choose which route is best for you in this season of your life. You can always make adjustments later.

Do you want to be debt free or would you prefer to manage credit?

Check out this article from Experian "Debt-Free Living: How To Get Out Of Debt For Good" https://www.experian.com/blogs/ask-experian/debt-free-living-how-to-get-out-of-debt-and-stay-out/

Check out this article from NerdWallet "A Simple Recipe For Managing Your Credit Score  https://www.nerdwallet.com/article/finance/simple-way-manage-credit-score

The Financially Free with Cleo Podcast is on Apple Podcasts, Spotify, Google Podcasts and PodBean: https://www.cleoyogafinance.com/podcast

It's also on YouTube at Cleo Yoga Finance: https://bit.ly/3ysfd1s

If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.

We appreciate your support. See you next week!

Let's Stay Connected:

Website: 

https://www.cleoyogafinance.com/

Instagram: 

https://www.instagram.com/

Tik Tok:

https://www.tiktok.com/@cleoyogafinance

YouTube: 

https://www.youtube.com/playlist?list=PLg-f2_aOFMU5ZTwKa0cSgMPXEBkCShlMV

LinkedIn:

https://www.linkedin.com/in/cleochildress/

Facebook:

https://www.facebook.com/CleoYogaFinance

Twitter:

https://twitter.com/cleoyogafinance