Her Dinero Matters

Budgeting doesn’t need to be complicated! There are plenty of great budgeting tools out there that make it easier to manage your finances, but how do you choose the best one for you with so many to choose from? Once you do choose, how do you not overwhelm yourself? And what is the trick for staying consistent? We discuss this and more in this solo episode. 

Creating a monthly budget can help you gain an understanding of your financial situation and set clear goals. With so many options available when it comes to budgeting tools, it can be overwhelming to decide which ones to go with. In this episode, I share several budgeting tools as well as help you figure out how to choose the best one for you without a headache.

In this episode you will learn: 

• Three key details to help you choose the budgeting tool for you 
• Why you should define financial responsibility for you.
• One key tip on how to manage your finances without stress

For a quick recap of this episode go to https://www.jenhemphill.com/338

The post, Budgeting Tools: How to Choose, Organize and Simplify Your Finances  | HDM 338 appeared first on the Her Dinero Matters Podcast

Are you needing new ideas or inspiration when it comes to saving that money? Our Reina Crew this month discusses just that! Don’t miss out and tune into this episode.

A little bit about our panelists for this episode:

🙋🏻‍♀️ Cindy Zuniga is the founder of Zero-Based Budget Coaching LLC.  After graduating from law school in 2015 with over $210,000 of debt, Cindy took control of her money by immersing herself in the world of personal finance.

In 2018, she launched @zerobasedbudget to document her debt payoff journey and simplify personal finance concepts.  After recognizing, through her platform, people’s unique needs and goals, Cindy founded Zero-Based Budget Coaching LLC and offers personal finance coaching services and speaks to audiences small and large about budgeting, saving, investing, and more.

Cindy practices law full time as a commercial litigator.

🙋🏻‍♀️ Katia Perez-Chesnok is an entrepreneur, financial literacy blogger & advocate and millennial mom. She worked investment and commercial banking for more than 10 years, in institutions such as Bank of America, Royal Bank of Canada among others.

Katia runs the personal finance blog Economikat dedicated to all women and especially Latinas, to empower, inform and inspire them on their financial journeys while sharing tips on savings, budgeting, investing and others.

She also co-founded CP Clicks, a digital marketing and e-commerce agency.

In this episode you will learn: 

• Challenges they have had when it comes to saving
• How they overcame those challenges and started saving more
• Some creative ways they have saved and others they are wanting to try

For a quick recap of this episode go to https://www.jenhemphill.com/193

The post, Thinking ‘Outside the Box’ to Save Your Money  | HDM 193 appeared first on the Her Dinero Matters Podcast

If you’ve ever felt broken, you know there’s probably nothing worse than the collection of anxious, self-defeating thoughts (and ensuing feelings) that fall upon you every time you realize you’re broke and can’t afford a basic expense, whether it is rent or just essential groceries. But, what if there was a mental switch that you could turn on everytime you feel broken and defeated? Something  that allowed you to turn the situation around? Would you use it? Well, you’re in for a treat!  In this week’s episode, Angelina Rosario, success coach, author, and motivational speaker will share with how she learned to turn brokenness and setbacks into fuel for success

Hopelessness isn’t fun. It's easy to become carried away by the tide of negative feelings and intrusive/anxious thoughts that pop up whenever you’re going through a rough patch and your finances reflect your life circumstances all too clearly. Being broke is like wearing clothes that are too small for you: outsiders may not notice right away, but you feel the itch and the stretch everytime you take a step.

Although there is nothing to be ashamed of, almost everyone reacts to a broken situationship in a negative way, and for a great reason: it’s how regular humans deal with stressful and unsettling circumstances! But, what if there was an alternative to this? What if setbacks and perceived failure were not something to be wary of, but the very building blocks of success? An essential piece to your journey? 

This is an insight that Angelina Rosario, success coach and author, discovered when she finally decided to take action to start changing her dire circumstances. In this episode, Angelina will share her incredible story of resilience and growth. 

In this episode you will learn: 

• The crucial difference between making money and keeping money.
• Angelina’s insights on the power of setbacks.
• The one mindshift that allowed Angelina to leave behind the poverty cycle.

For a quick recap of this episode go to https://www.jenhemphill.com/182

The post, Essential Wisdom To Use When You Feel Broke  | HDM 182 appeared first on the Her Dinero Matters Podcast

Did you know that according to studies conducted by Andrew Naber, an organizational psychologist, the average person spends roughly 90,000 hours at work in a lifetime? It’s wild. Since work is such an important part of our lives, spending our days in an unsupportive and draining environment (aka, a job with toxic work conditions) definitely has the potential to turn our lives upside down. But, what do you do when this unfortunate situation becomes your reality? Is it possible to find a way out? That’s exactly what Doris Quintanilla, founder of the Melanin Collective, will attempt to answer in today’s episode.

It’s Sunday evening and your body knows it. As soon as the day starts to fade out, an annoying and anxious voice in your head starts to turn up the volume. Before you know it, your heart is racing, your palms are sweaty, and a bone-aching sense of dread, like a Siberian tiger pouncing out of nowhere, engulfs you. The proverbial Sunday Scaries, an ever-present malaise that two years ago you believed to be the name of (yet another) over-hyped  cereal brand, is paying his regular weekly visit. 

The reason? The prospect of facing yet another work week is making your stomach turn. Admitting this, however, is not easy. At the end of the day, you still love what you do —you find meaning and joy in your career. The real problem (or, as some would say, the only problem) is that the work environment where you currently operate is sucking your soul out. 

It may be an unresponsive/unsupportive manager, passive-aggressive coworkers, long and exhausting working hours or unrealistic expectations from the leadership team —you name it. Regardless of the circumstances,  the problem remains: doing your job has become a race to the bottom that slowly (but oh, very steadily) is running you dry. 

If this situation sounds familiar, here goes the million-dollar question: how do you get out of this space? How can you recover your peace at work? Is there an actual way out of a toxic work environment? In this week’s episode, Doris Quintanila, founder of the Melanin Collective, will share her key to surviving toxic work environments. 

In this episode you will learn: 

• The impact marching the streets, helping in fundraisers, and an abundance of determination had in her personal life.
• The story of  how her work environment soured up  after suffering a concussion.
• Her best tip to help you survive and overcome  a toxic work environment.

For a quick recap of this episode go to https://www.jenhemphill.com/196

The post, This Is NOT the End: The Key to Overcoming Toxic Work Environment  | HDM 196 appeared first on the Her Dinero Matters Podcast.

Did you know that believing in your capacity to make things happen (aka, believing in yourself) plays a huge role in the outcome of your projects and plans? It may not seem like a big deal, but a lack of belief can actually hinder you in ways that are hard to calculate with a simple spreadsheet. In this episode, I’ll share with you why belief in yourself is so important and what to do to cultivate this skill. 

Have you ever had a project in which you meticulously planned every step? In fact, everything was so well thought out in advance that you were certain this thing was going to turn out to be nothing short of amazing…except it didn’t. And now, with the advantage of hindsight on your side, you can finally start to see there was indeed a missing ingredient: belief. Or to be more specific: a lack of belief in yourself (and your skills).

A lack of belief that, more often than not, translates into a lack of trust in your ability to make things happen. 

In this episode, we are going to dig deep and discuss what’s the role of belief in your everyday life and what you can do to harness its power. 

In this episode you will learn: 

• The difference between belief, mindset, and confidence. 
• How beliefs impact your work and the way you carry yourself in the world. 
• What to do if you’re stuck in the lack of belief cycle. 

For a quick recap of this episode go to https://www.jenhemphill.com/199

The post, [Summer Playlist] Harnessing the Power of Believing in Yourself | HDM 199 appeared first on the Her Dinero Matters Podcast.

Have you ever heard the story of someone who managed to overcome a dire financial situation and immediately thought “I would love to know how they did it”? I know I have! As any curious human would do, I’m always on the lookout for stories that showcase what others have done to overcome hurdles, especially if those roadblocks were money-related. In this episode, Kara Perez, the founder of Bravely Go, an award-winning financial education company, will share with us how she overcame some major financial challenges and how the experience shaped her. 

 Financial resilience is probably one of the most important skills you will ever develop. The ability to bounce back from setbacks and be strategic when organizing your priorities will always serve you well. The only problem with this? A huge catch-22:  to develop financial resilience you have to “walk the talk”, as Kara Perez's story aptly demonstrates. 

Kara grew up on the East Coast and, just as many of us do, she was raised in an environment where money was tight. And yet, at the tender age of 24, she decided that enough was enough and managed to pay back her student loans, fix her finances, and build a community that teaches people how to make sustainable money choices.  In this week’s episode, Kara will share with us her story and the big takeaways she got out of her journey. 

In this episode you will learn: 

• Kara’s story on becoming financially resilient. 
• Thought-provoking insights on the gender wealth gap and why this matters.
• Two things Latinas can do to minimize the impact of the gender wealth gap. 

For a quick recap of this episode go to https://www.jenhemphill.com/198

The post, [Summer Playlist] A Journey Towards Financial Resilience | HDM 198 appeared first on the Her Dinero Matters Podcast.

When it comes to organizing our lives, we all have our ways and secret hacks… but in my opinion, nothing will ever beat the joys of having a realistic, well-thought checklist supporting your daily musings. No matter what my goals are, when I have them properly laid out in a list, magical things happen. If you are the type of person who also thrives when a handy checklist is provided, and you’ve been wanting to do some financial re-organization, I’ve got you covered. In this episode, I will share the  4-step checklist that I regularly use to review my finances whenever I feel some extra organization may be in order.

When was the last time you had an incredibly productive day? The kind of day when the stars magically align and, out of the blue,  you become a task-crushing machine that just makes stuff happen? I’ll be the first to admit that, for me, a day like this doesn’t happen as often as I would like, but regardless of that one thing is certain: the productivity gods do tend to visit more when I plan my day with intention.

And that planning usually involves a carefully curated checklist. 

Whether it is for tackling my list of regular chores, getting a headstart on an important project, or doing a healthy dose of financial reviewing, checklists are an essential tool in my planning kit. And because I know so many of us have the nagging tendency to postpone tasks that we perceive as complex or time-consuming, especially when it comes to finances (yes Tax Filing, I’m looking at you), I’ve created a 4-step checklist that will allow you to do a quick but thorough overview of the current state of your finances. 

In this episode you will learn: 

• Why you should consider using a checklist to organize yourself and stay on track with all the different aspects of your finances.
• Insights on how to set up realistic and achievable goals. 
• My tested-and-tried 4-step checklist that will help you advance your finances.

For a quick recap of this episode go to https://www.jenhemphill.com/347

The post, [Summer Playlist] A 4-Step Financial Checklist to Spring Clean Your Finances | HDM 347 appeared first on the Her Dinero Matters Podcast.

Ever heard of no-spend challenges? Although the name may sound a tad bit intimidating, this is a new challenge trend that I’m actually looking forward to trying out. At the end of the day, when done with intention, no-spend challenges can be a great way to reboot and rethink your regular spending habits. This is why in this week’s episode I’ll share with you my best tips and tricks to get the most out of a No-Spend challenge.

Have you ever found yourself taking all sorts of wrong turns when driving to a new destination? Maybe you’re visiting a friend for the first time, or you just landed a new job and are commuting to a brand new workplace for the first time, ever. Regardless of the specifics, it seems that some part of your brain didn’t get the memo and now it’s trying to take you to a familiar place. 

If you’ve ever had this experience, you probably know firsthand how powerful the forces of our repeated behaviors are. More often than not, our habits (especially the tricky ones) tend to get in our way without us even noticing. If you want to give yourself a major surprise, just pay close attention to the way your day goes, especially when it comes to the tiny (and repetitive) tasks. 

This is exactly why No-Spend challenges are such a great way to reset your spending habits. When you start focusing your attention on the number of times you get your wallet out on any given day, some revealing patterns start to emerge. 

However, if you are considering putting yourself in a No-Spend challenge, there are a few things you gotta nail down first. In this episode, I will walk you through my checklist of tips and tricks so you can get the most out of your No-Spend challenge. 

In this episode you will learn: 

• The benefits of putting yourself through a No-Spend challenge. 
• My list of do’s and dont’s (hint: it all has to do with your intentions).
• The things you have to do after your challenge ends (yes, there’s homework!)

For a quick recap of this episode go to https://www.jenhemphill.com/190

The post, [Summer Playlist] Need a Habit Reset? How to Use No-Spend Challenges Like a Pro  | HDM 190 appeared first on the Her Dinero Matters Podcast.

Have you ever found yourself in a financial situation that just feels hopeless? Whether it is massive credit card debt or student loans with balances that never actually shrink, at some point in our lives, almost everyone has walked through this long, dark-ish corridor, and it’s not a great place to be. And yet, one fact remains: overcoming a financial crisis might be hard, but it’s not impossible. In this week’s episode, our guest Nashira Lynton will share how she managed to get out of a dire financial situation without losing her sense of self in the process.

Money is something we all think about. Not doing so it’s almost impossible: we all have bills to pay, groceries to buy, and loved ones to take care of. However, when it comes to assessing the health of your financial situation, admitting (especially to yourself) that you are, in fact, living through a seemingly endless financial crisis, with no end in sight, is one of the most challenging things ever. 

Accepting that you are in a dire money situation evokes all sorts of negative emotions and associations: shame, anxiety, the fear of being judged, and, most commonly, a profound sense of hopelessness. So here goes the million-dollar question: is it possible to get out of that stressful, mentally taxing place and move on with life? 

This week’s HDM  guest, Nashira Lynton, is living proof that there’s indeed a way out. Nashira is a financial therapist and owner of Renewed Wealth Therapy. She has helped families pay off cars, reduce debt, build wealth, and decrease financial stress.

In this episode you will learn: 

• The simple question you should ask yourself to help you have a deeper understanding of your current mindset (so you can make a shift that aligns with you). 
• How therapy can help you unlock your financial potential and achieve your money goals.
• Understanding how the financial missteps of our parents can have a negative impact on our lives.

For a quick recap of this episode go to https://www.jenhemphill.com/337

The post, [Summer Playlist] Overcoming a Financial Crisis Without Losing Yourself: A Rule of Thumb  | HDM 337 appeared first on the Her Dinero Matters Podcast.

Have you ever felt disconnected from your money? As if you and your wallet had nothing in common? Maybe you have even caught yourself saying things like “It’s just money, we’ll be ok” whenever you lose some, or “I’ll figure something out” when, financially, things don’t go as planned. The weirdest thing is that, even if today you are not in a financially tough spot, money is not exactly flowing into your hands. If this disconnect rings true, would you believe me if I said that a lack of clarity about your values and beliefs around money might be the main culprit? Well, today’s episode might make you change your mind. 

At this stage of the game, we all have a general idea of how important values and beliefs are in our daily lives, especially when it comes to all things money management. In fact, for most people, the relationship that exists between them and their money depends almost entirely on the type of beliefs they have about it. 

Do you see money as a source of conflict and future anxiety? Then dealing with your finances may not be your favorite activity in the world. Of course, the opposite is also true: if you believe that money is a tool that can help you maximize your impact, you’ll be eager to learn more. So, what can you do if your current money beliefs and values need a lil’  overhaul? 

For this week’s episode, I had an enlightening conversation with Pedro Sanchez Jr, a leadership and financial coach with a huge mission: empower the Latino community through financial literacy. Pedro shared with us why values and beliefs around money are crucial for having healthy finances and what you can do to elevate yours.

In this episode you will learn: 

• All about Pedro's core values and their origin story.
• Why Pedro decided to teach financial literacy to the Latino community.
• Pedro’s take on the biggest financial challenges in the community.

For a quick recap of this episode go to https://www.jenhemphill.com/288

The post, [Summer Playlist] Beliefs and Values: The Key to Your Financial Success? | HDM 288 appeared first on the Her Dinero Matters Podcast.