Social media can be a rather interesting place. Don’t you agree? The past few weeks I’ve posted a couple of reels on different topics when it comes to financial services. One of them involved securing your financial future and the other one had to do with protecting your life for your family. Apparently these topics hit home for a couple of individuals. That’s exactly what my posts are meant to do. To get you thinking outside of what you know, what you think is right, and how you live and see life. I won’t to go into too much detail because I want you to listen to the episode itself. But the main focus is to prepare families for the future, financially that is. I know firsthand how unprepared I was living in this country, in the state of California, learning only what the school system is having us learn. Knowing enough to get by but not enough to be able to live the lifestyle we want. As parents we want the best for ourselves but even better for our children. So if we’re not being educated in school on how to manage money, then we will be working until we die. Hence, the case in this country. The goal of this podcast is to get families thinking about how to change their upbringing and learn financial concepts that they can apply, to change the legacy in their families. Living paycheck to paycheck is what most families know as their way of life, they say. How about we start changing that mindset and narrative so that we can change financial features for all families across the US. Life is about choices and we all get to decide what those choices will be. Wether they are good or bad we decide. Financially, lets start changing it up. Don’t you think? Any questions? DM me on social media! @mommymoneymatters

This episode is mainly focused on helping you build a solid and strong financial foundation. The main area will be on your financial house: the good, the bad and the ugly. There are four areas we cover: Debt, Emergency Funds, Retirement, Proper Protection/LTC/Disability. As you all know the pandemic took a toll on a lot of families who were not prepared financially for what was to come. The government jumped in to help and assist in aiding these families who were left jobless, with no incomes and no way to feed their families. I honestly don’t know what would’ve happened had they not received the help. We learn from experiences and this experience was one of the toughest ones. Now we know how important it is to save for that rainy day like our grandparents always talked about. So the timing couldn’t be better. It is now our responsibility to set ourselves up so that we don’t have to ever encounter what happened two years ago. It starts at home and it starts with our families. Teaching everyone how important it is to put money in place to work for you and have that money make you money is key. Join us and lets talk about it. From my kitchen table to yours. Feel free to reach out to me on my social media. I’m here to help and serve. Take care and make some money moves!

Are you want to make decisions based on emotions and not think it through? This takes me back to my mid-20s when I was working for a call center and I was encountering challenges. My boss would always tell me, “remember think with your head and not with your heart.” I always wondered why but now I know. If you are driven by emotion you might not be making the best decisions and that’s where your heart leads to. But if you’re driven by the logical and analytical thought process then you’re more likely to make thought out decisions. When it comes to making moves regarding money it’s always best to run the numbers. Remember numbers don’t lie. If you want to know that decision you’re about to make is the right one, it’s all a matter of going through the numbers and finding that out for yourself. A lot of times we make decisions based on emotion, we’re excited, we can see what the future can look like and therefore forget to run the numbers. When this happens there’s feelings of let down, disappointment, and you start thinking you will never be able to get to your dreams and goals. That’s not necessarily true. Running trough the numbers will set you up for success. That’s only if you stay the course. This will help you get from point A to point B, with very little room for error. I encourage you to listen to this episode as it will help you position yourself for success in the future. Remember anything is possible as long as you set your mind to it and you’re realistic about achieving those goals and dreams. As long as you run the numbers you should get to where you want go. Lets do this!

This episode covers the trials and tribulations millennials are facing when it comes to becoming independent in today’s economy. As parents we want our young adults to thrive on their own and be able to lead the lifestyle they choose to. Unfortunately, here in the state of California the struggle is real. Inflation has not been of much help and minimum wage isn’t enough to live on your own. So what is happening with the young adults? They unfortunately have to move back home or stay in the home for as long as needed to put themselves in a better financial situation for their future. While in our home, we as parents need to advocate and guide them in their financial matters. This in turn will help them position themselves to be successful on their own. After all isn’t that what we want for our children? Isn’t them becoming and doing better than us parents, the goal? If you have young adults in your home I highly encourage you to listen to this episode. There’s tons of valuable information to take and apply. Should you have any questions feel free to reach out to me and all my social media platforms under my handle @mommymoneymatters . Until next time, take care!

April is here and Spring has sprung! As you already know around this time most homes get a spring cleaning. So why not do the same with our financial house? This is the perfect time to review the last three months (1st quarter) of the year. Remember those new year money resolutions? How are they measuring up? Part of having resolutions is also inspecting what you expect and being accountable to yourself. I, for example had in mind to save $8k this past quarter but fell short. Now we go back to the drawing board. The goal is to continue to push to save that dollar amount as is part of our vision for the year. We also look at what’s next on our financial plans for the second quarter and get laser focused. You always have to have your goal in mind. So if saving money is part of your resolutions this year than spring into saving and start now. It’s never too late to get started. This month the goal is to provide you with as many financial tips to help you accomplish your money goals too! We will cover the topics of saving, investing, and spending in all areas of your financial house. The goal is to get you moving in the direction to fulfill your financial futures and have no money worries regardless of what the economy is doing. Make sure you follow and click that notification button!! If you have any questions you can find me >> @mommymoneymatters on all my social media platforms. Lets get started!!!

Good day everyone! I’ve been thinking about all of the episodes I’ve recorded thus far and it dawned on me that I’ve been giving you value and recommendations on WHAT to do when it comes to your finances. What I haven’t talked about is the HOW to, which is extremely important! Although the majority of you would like to take action on my recommendations not many can. Why? Because if you fall under the average middle income families, you’re most likely struggling like I was at one point in time. You’re probably living day to day or as we want to call it, paycheck to paycheck. When we’re in this situation we feel stuck with no way out. But there is!! This podcast covers a few ways to go about in earning that additional income needed to break free from the rat race. Remember the main key is for you to think outside of the box, don’t limit yourself and get after it. It takes hard work but I know you can do it! Ignore any naysayers and start focusing on the lifestyle you want for you and your family. You’re very deserving of only the best, life has to offer. Hit the follow and notification button to stay informed on new episodes. You can reach out to me at @mommymoneymatters on social media .

Do you like listening to stories? Well, you’re in the right place. In previous episodes we’ve touched on debt here and there. But this time I wanted to do things differently. I work mainly with mommas and their finances. I am enjoying watching them reach their financial resolutions. It’s amazing to see how dedicated and focused they are. This is not the case for all of my clients though unfortunately. Here are three real life stories and the outcome of each one as it relates to paying down debt. I always tell my clients that in order for a financial strategy to work, they have to work along with it. Paying down debt is no easy feat, trust me I know. It takes time, discipline and consistency. Is it doable? Of course it is! But let me share with you these three stories and the final outcome. If you feel stuck with no way out other than BK think again!! Reach out and lets assess the situation together. If it’s outside of what I feel I can take on, I’ll let you know and provide options. Don’t give up before trying!!

This episode is all about making money moves that are in alignment with your financial resolutions for 2022. If you remember or actually just go back and listen to the last episode. The focus being the new year and all, was financial resolutions and taking action. This episode is all about the different types of action steps you should consider when it comes to money if the objective is money growth. Whom am I talking to in this episode? EVERYONE!! Parents, single parents, whether it be single mommas, daddys, or your focus is purchasing property (house, car). Maybe you’re thinking of retirement and wanting to get started on the planning. Or you’re considering retiring soon. What about parents with small children who want to set up college plans or you’re already there and need to figure out how you’re going to pay for your kid’s tuition!! All these topics will be addressed in this episode. I know, I know, it’s a bit longer than anticipated but filled with so much information to kickstart your 2022! As a momma of 5 I wished this information was readily available and at my fingertips. But hey, it’s never too late to get started. So, listen up and if you have any questions feel free to DM me on social media @mommymoneymatters . Enjoy!!

We all make decisions for the new year don’t we? But what tends to happen 3 months down the road? Let me answer that, we tend to forget about it or simply give up on them. I talk about resolutions and goals, but what’s the difference? Let me tell you. A resolution is a firm decision and a goal is an aim or desired result. I like to use resolution because I don’t just want to aim hoping to hit it. I want to be laser focused on my resolution so much as to make sure it’s not just an aim but it’s going to happen because I’ve made a firm decision. When it comes to financial resolutions for myself and our family, we make firm decisions. Of course life happens and if you’ve been listening a lot happened in 2021 and we didn’t quite meet all our resolutions. We don’t beat ourselves up. We course correct and start fresh the following year. Have you started your financial resolutions for 2022? If you haven’t it’s not too late we’re only 11 days into 2022!! What are you waiting for? Tune in for insights! If you have any questions, I’d be happy to help! You can find me @mommymoneymatters on social media.

Holiday shopping can be exciting or dreadful depending on who you ask. Listen in as I go over a few tips on how to make this year more about "it's the thought that counts" and truly attaching sentimental value to your gifts. Your loved ones will be delighted! Personally, I apply all those tips and then some every year. It makes shopping a whole lot more effective and easier. So, if you're on the struggle bus in this matter I recommend this episode in particular. Holiday shopping done easier with a few simple tips. But before I forget, I do want to add, I strongly recommend a holiday account specifically for your Christmas shopping at the end of the year. You'll be surprised at how much you can put away a little bit at a time. Any questions? Feel free to reach out to me @mommymoneymatters on my social media platforms.