A no-spend month is already a staple around here. If this is your first time, you'll find some useful tips in this episode like:

as well as some tips as to how to stick to the challenge!

As usual you can find me here:

https://moneywhineandcheese.com

https://linktr.ee/Thesparklingbudgeteer

or you can write to me at

[email protected] and tell me how your challenge is going!

Thanks for being here!

A play on words, but I think you'll find that commitment is commitment, whether it's to a person or... not. Are we walking the walk or are we just talking about it?

Hope this episode inspires you to live your best life.

Her Business Planner 2024:

https://www.amazon.com/Her-Business-Planner-2024-entrepreneurs/dp/B0CNKQ2PV9/ref=sr_1_1?crid=1ONCJ5C6M77HU&keywords=her+business+planner+2024+by+the+creative+cornucopia&qid=1700728158&s=books&sprefix=her+business+planner+2024+by+the+creative+cornucopia%2Cstripbooks-intl-ship%2C136&sr=1-1

As usual you can find me here:

https://linktr.ee/Thesparklingbudgeteer

or here:

https://moneywhineandcheese.com

More is caught than taught when it comes to teaching kids about money.

Thank you for listening to this episode if you like this kind of content please consider subscribing and leaving a 5 star review as it helps get the podcast in front of more people.

Also if you have a friend you could share this episode with, I'd be very grateful.

As usual you can find me here:

https://moneywhineandcheese.com

https://thesarafernandes.com

It's not always about the money!

Thank you for being here. If you like this kind of content please consider subscribing and leaving a 5 star review as it helps to put the show in front of more people, also consider sharing it with a friend, you never know who might just need to hear this message. 

https://moneywhineandcheese.com

https://thesarafernandes.com

It is the Most Wonderful Time of the Year, but it can also be, the most stressful one when it comes to spending... So before Black Friday and Cyber Monday come around, here are a few tips to keep your spending in check this Year!

I hope you enjoy this episode and if you do, please subscribe and share it with a friend, it means a lot.

Also, if you haven't done so already, consider subscribing to the newsletter, you can do so here 👇

https://www.moneywhineandcheese.com

or here 👇

https://linktr.ee/Thesparklingbudgeteer

Whatever you are trying to accomplish in life, pay off debt, budget, start a business, parenting, you turn to the gurus to learn from their mistakes and hopefully get to the end result faster, with the least drama possible and wining! But sometimes when you listen to a lot of people at the same time, it's a lot of noise and it can make you feel overwhelmed and not at all feeling the way you thought it would.

Why do we do this? What's wrong with giving yourself the time and the space to get to wherever you are going?

As always you can find me:

https://moneywhineandcheese.com/

https://linktr.ee/Thesparklingbudgeteer

[email protected]

Life happens when you are busy making other plans! Well, that's exactly it! and in today's episode I really want to reflect on that and think if we're really doing what we think we should be doing or if we are doing what everyone else expects of us!

In this episode we talk about self - protecting patterns, mindset, money, behaviour and lots more

Join me for a hiatus episode to begin this New Season

I talk about:

Claim your power by Mastin Kipp

https://amzn.to/3PN0BE2

You can find me:

https://moneywhineandcheese.com/

Join the Newsletter:

https://bit.ly/45BWm57

Digital Budget Planners:

https://moneywhineandcheese.com/homepage/

https://moneywhineandcheese.etsy.com

Courses:

https://moneywhineandcheese.com/homepage/

https://thesarafernandes.thinkific.com/courses/your-first-course

Motivation is THE ONE thing most people seem to struggle with when it comes to... change!

It doesn't really matter what we are trying to change, we can get all hyped and go all in for the first few days and then... we give up! Why?

Well, there are many reasons, one of them is trying to change for THE WRONG reason, another is not acknowledging the progress we are making, no matter how small! And today we are talking all about that!

Prefer to read? Check out the Blog here

Prefer to watch? Check it out YT here

As usual, let me know what you think and what are your tips to sticking to your goals?

And you can always find me here or here

Thanks so much for being here I appreciate you so much!

A Scarcity Mindset is more damaging than the lack of actual cash! And that's the reason I talk about it so much! It's that important, not only in our finances but also in our life in general.

Mindset is the thing we struggle the most with and it takes time but you can get to a better place a place of abundance! I know your life will change once you decide to adopt this five strategies unto your life.

A scarcity mindset comes from the thought that there’s a limited amount of “resources” available and that if someone is to have that much money, then there’s none left for you!

And that’s how hoarding begins, we are constantly trying to save “things” so that we won’t lack them, sending a note to the universe of the complete opposite!

https://thesarafernandes.com

or 👇

https://linktr.ee/Thesparklingbudgeteer

How to Stick to a Budget Without Sacrificing Your Lifestyle

Do you ever feel like you're caught in a financial trap, forced to make sacrifices and cutbacks just to stick to your budget? You're not alone. Many people, myself included, struggle to maintain a comfortable lifestyle while living within their means. But here's the good news – it doesn't have to be this way. With a few strategic adjustments to your spending habits, you can achieve your financial goals without completely changing your way of life. Let’s take a deep dive into five specific strategies for sticking to your budget without sacrificing your lifestyle. 

From identifying areas where you can cut back to finding creative ways to save money on your favorite things, I've got you covered.

You can find me at thesarafernandes.com