This episode is short, sweet, and to the point. There’s been a lot of talk about us entering a recession. You may or may not how this can affect you and your pocket. But in all honesty those who have been working for 25+ years are who feel it most and are affected the most. Listen in and find out why, then learn what you can do to prepare. If you know anybody getting close to retirement share this episode with them. Being prepared and staying ready can save you lots of headaches. Wouldn’t you agree? Any questions feel free to reach out through my SM accounts.

What better way to start off the New Year then with a financial plan in place to help reach your money goals. Before giving you any insight on what this episode is about, let me ask you a question, “if the next five years are like the last five years financially, would you be OK with it?” If the answer is no, this is the episode you want to listen to. We all started this new year of 2023 with certain money goals in mind. Maybe some of you are struggling financially and worrying about money is the worst. I’ve been there, done that. Financial stress can cause all kinds of health issues, including depression, anxiety, and hypertension. This episode will help you get started on your wellness to financial health & wealth, both physically and mentally. I’ll be sharing seven steps for you to get started on the right track toward financial wellness. These include identifying your spending habits, possibly a money diet, maybe needing to trim down the fat when it comes to spending, redefining a routine that works for you when it comes to money, setting the pace for saving money this coming year, pushing for the results you want to see this year. We encourage you to reward yourself for your discipline and hard work in accomplishing your money goals. Celebrating small wins is very important!! Don’t you forget that. Lets get started, shall we?

Happy New Year Everyone!!! Welcome to a NEW season of Mommy Money Matters this 2023!! We have lots of information of value to help assist in your money matters this year! Lets get started. Ever wonder how people stay focused throughout the year? What do they do differently? I use to wonder the same thing. A few years back I started doing some research and also partnered up with a broker/dealer where I have had the privilege to be mentored by millionaires in the financial industry. I quickly learned what makes them different than the rest. They are no longer the average Joe. They made decisions and have backed it up by action to separate themselves from the rest. So, what is it that they do? They have a VISION of what they want their future to look like. Then take ACTION to make it happen! How do they stay focused? Some use vision boards. Others use business plans. Then you have some that do both!!! In this brand new season and first episode of 2023 we’re going give you guidance and pointers on what to do to start your year off on the right foot just like what these millionaires do. If you don’t want a repeat of the past three years I suggest you listen in. This episode will help you with your new year resolutions, goals, dreams, affirmations, and manifestations!!! Whatever you want to call them. If this resonates with you then follow along and click the notification button to stay tuned in for new episodes. Here we go!!!!

This episode is all about the different things we do in our home during the holiday season. Do you love gift giving or are you more of a grinch during the holidays? Gift giving has always been my thing but with a growing family it can get a bit challenging. In this episode I talk about the different things you can do as a family to celebrate the holidays without emptying your pockets. The holidays are about spending quality time with those you love, the gift giving is extra. Planning ahead always makes a difference for us and hope these helpful tips do the same for you and your family. May this season bring you and yours everything your hearts desire. If you have any questions feel free to reach out to me. Blessings from my family to yours.

As promised on my last episode. October is National Financial Planning Month. So what does it really mean? Listen in and you’ll have insight on the seven key steps I utilize not only in my financial house but also with my clients. What better way to get ahead then to start strategizing for 2023 than now, in October. We’re in the last quarter of the year and it’s usually the time we assess the financial strategy we put in place for 2022. It gives us a clear picture of how we did most of the year and this is the perfect time to plan out 2023. These financial tips are something you can tackle on your own or work with a financial professional to guide you through it. I don’t recommend waiting until the end of December to start focusing on your financial plan for 2023. Get ahead by starting now!! With the economic times we’re in it’s better to be proactive then reactive. Wouldn’t you agree? I challenge you to try these seven key steps and then come back and let me know how you did. Are you willing to take that challenge?

As most know, September is Life Insurance Awareness Month and I take this very serious for many reasons. As you listen in you’ll understand why. I know that talking about death or dying is a conversation most families don’t want to have in the home. It’s almost taboo. The reality is death is certain. We simply don’t know when our time will come. What most families fail to put in place is a plan, not just any plan, but a financial plan, should anything happen. We always think we have time but my question to you is, how do you know?? You see we don’t know which is more the reason to be proactive then reactive. It’s the after the fact that one starts talking about we should’ve, could’ve, would’ve, but by then it’s too late. Families are left with financial hardships and burdens, wondering how they are going to make. Don’t let this be your family’s situation. Protect your life for those you leave behind. It matters!!! If you have any questions feel free to reach out. My social media handle is @mommymoneymatters

We have entered the recession period that everyone was concerned about. So, how will you be taking action in your financial house? Are you ready for what can potentially happen or how it can impact your family? There were quite a few tips I shared in the last episode. If you didn’t get a chance to listen to it, I recommend you go back and listen. In this episode we will focus on one of those tips and the importance of having it in place during these times. I will also touch on spending habits along with mindful spending. With that being said, we’ll discuss what being cheap is and how being frugal can improve your pockets. You might say, this information is common sense but just know common sense isn’t so common. So, come along and lets learn together, shall we? P.S Finding value in our content? Then please share with others whom you think might find value in it as well!!

The recession news has a lot of people wondering how it will affect or impact their homes. First and foremost, we address what is a recession and what does it mean overall. This episode will go over four key factors to help you out. As a money coach I know that throughout the years I continue to talk to my clients about the different things they should be doing with their money regardless of whether or not we are in a recession. There are some clients that do take everything I say and apply it and then I have others that don’t. Those that don’t obviously are the ones that start worrying about what could happen, what’s going to happen. The clients that do follow my recommendations don’t worry much about money at all. I always say that if you stay ready you don’t have to get ready. These are the times that we have to focus on making sure everything’s in place and that regardless of what happens in the economy our families and our households will be okay. The four tips I share in this episode will definitely help you out in today’s economy and future ones. Not only were these tips pandemic proof but they’re also recession proof! If you’ve already implemented some, good for you!! If you haven’t START NOW!!!

Have you been considering putting money away for college for your children? Are you confused as to which type of investment plan is better suited for your child and their needs in the future? I know that feeling all too well. This was the exact feeling I had back in the mid 90s with my kiddos. I did back then the best I could which was to open up a savings account for them. Keep in mind that back then these accounts we’re getting some type of interest credit. Nowadays, that’s not necessarily the case. In this episode I will be discussing a few children investment accounts available. As you listen in keep in mind that it’s very important for you to learn about these accounts, their pros and cons, so that you can make decisions accordingly. All of the information provided should be used as a guide. If you’re having a hard time understanding some of these plans I highly recommend you contact a financial visor that can guide you through this process. Remember this is your money at work and you want to make sure your investing it in the right accounts for you and your family. If you enjoy this episode make sure you follow for more.

There’s a lot of uncertainty when it comes to the economy right now. We all understand inflation and we hear a possible recession coming. So how can we prepare for the unknown? There are a few money hacks that I have incorporated in my financial house to help outpace inflation. It’s as simple as making small changes that can help you save money without you even noticing. These hacks can also help you with over spending, even on things you think you need for example groceries. There are so many ways that you can decrease spending, increase savings, and start making your money work for you. This episode is focused more on not overspending and being very watchful of where you’re spending your money regardless of it being in groceries, shopping, and investing. This episode is geared towards the basics of personal finance to also more complicated questions such as investments and retirement planning. Due to a potential recession and the stock market taking a toll most people that are close to retirement are scared and in fear of losing their retirement savings. I’ll briefly discuss what options are available for those who are considering repositioning that money. Remember, hacking your way to financial independence is one of the best ways to get your life on track. If you apply some of the money hacks that I’ve applied myself you’ll soon start seeing results. In some cases those results may be small for us but remember what they say…a penny saved is a penny earned and if you add up enough pennies…well, we’ve all heard about the Rule of 72 by now right? So there you go.