The New Year often feels like a fresh start, and if one of your goals for 2025 is to take control of your finances, now is the ideal time to reassess your budget.

In this episode, I explain why I make it a point to revisit my budget at the end of each year. I share the key questions I ask myself to ensure my spending aligns with my priorities. Whether you're looking to be more prepared for holiday shopping, save for travel, or simply reassess where your money is going, I invite you to join me in doing a budget reset. This exercise will help you avoid last-minute financial stress, regain control of your money, and ensure you're spending on the things that truly matter to you.

Follow along as I guide you through my simple framework for redoing your budget. Listen for these key tips...

Tune into this episode of Money Files to learn how to redo your budget and set yourself up for financial success in the New Year.

Get full show notes and the episode transcript: https://wealthovernow.com/budget-reset-for-2025-aligning-your-money-with-your-priorities/

Links mentioned in this episode…

Set up a call | Financial Coach Washington, DC | Wealth Over Now

Download my FREE spending plan

Are you worried about falling back into bad financial habits? Once you start making progress in your financial goals, it is normal for self-doubt or fear to creep in and stop you from making good choices with your money. 

In today's episode, I share a concept I use with my clients to help them navigate unexpected challenges during their financial journeys. The financial self-care plan is a tool to fall back on when things go off track. It's not about perfection but knowing how to bounce back when you make a mistake or face financial stress. The goal of this exercise is to build financial resilience and trust in yourself so you can overcome hurdles that get in the way of your goals.

Listen to learn my framework for building a financial self-care plan, and check out for these key moments...

Tune into this episode of Money Files to discover the benefits of implementing a financial self-care plan and how to create one. 

Get full show notes and the episode transcript: https://wealthovernow.com/what-is-a-financial-self-care-plan-and-why-you-need-one/

Links mentioned in this episode…

Set up a call | Financial Coach Washington, DC | Wealth Over Now

Download my FREE spending plan

In this episode, I'm challenging you to track your finances for one week. I know the idea of jotting down every expense might feel overwhelming or even intimidating, but this exercise isn't about judgment or shame—it's about creating a budget that aligns with your lifestyle and financial goals.

I'll walk you through a simple five-day exercise to help you become more aware of your spending habits. By tracking your daily expenses, you'll get a clear picture of where your money is going, whether it's online shopping sprees or forgotten auto payments. You might be surprised by what you find, and that's totally okay! Building financial awareness is a key step toward stress-free spending, and this one-week challenge is here to help you understand your numbers better.

Are you ready to start my five-day finance challenge? Learn how understanding spending habits is essential to hit your financial goals…

Tune into this episode of Money Files to join my five-day finance challenge and get a deeper understanding of your spending. 

Get full show notes and the episode transcript: https://wealthovernow.com/financial-coach-finance-challenge-money-challenge-spending-tracker-budgeting-personal-finances-financial-goals-expenses-tracker-daily-expenses/

Links mentioned in this episode…

Set up a call | Financial Coach Washington, DC | Wealth Over Now

Download my FREE spending plan

Resource | Free Five-Day Financial Habit Tracker

As 2024 comes to a close, you might be reflecting on your financial goals and the progress you've made. Many people view progress as a linear checklist of milestones to hit, but regaining control over your finances is far from straightforward. Focusing only on the end goal is discouraging, and that creates a mindset that is unsustainable for lasting change, especially when it comes to how you think and feel about money.

In this episode, I encourage you to reframe how you view your financial journey and the progress you've achieved this year. I'll discuss why the linear approach to progress can be limiting and introduce you to my lily-pad progress method, which leads to more sustainable success. Often, it's easy to overlook the small steps and skills you've gained, but those incremental behavioral shifts are fundamental to generating lasting change.

Take a moment to consider what you can do now that you couldn't do just a week, month, or quarter ago. Celebrate your wins and recognize how far you've come on your financial journey.

Listen in to learn more about the lily pad progress approach and hear about these key topics…

Tune into this episode of Money Files to learn how to reframe how you think about the progress you’ve made toward reaching your financial goals. 

Get full show notes and the episode transcript: https://wealthovernow.com/the-lily-pad-progress-method-reframing-your-financial-progress/

Links mentioned in this episode…

Set up a call | Financial Coach Washington, DC | Wealth Over Now

Download my FREE spending plan

In today's episode, I'm joining my client, Dielle Charon, on her podcast, The WOC Sales Show, for a candid conversation about transforming your relationship with money and business. Dielle is a coach specializing in sales, business, and money mindset. Together, we explore the common struggles many of our clients and listeners face—such as overcoming shame, building awareness, and breaking old financial habits.

We created a powerful 5-step framework designed to shift behavior and mindset. Listen as we walk you through each step of the framework for changing a behavior, by sharing real-life business and money examples from our own experiences and client stories. From clarifying your goals to releasing shame and tracking your progress, we cover the practical tools and strategies you need to improve your mindset, business, and finances.

Change may be challenging, but with these actionable steps, you can confidently ditch those bad habits or behaviors that aren't serving you and set yourself up for lasting success. Tune in for a thought-provoking and motivating discussion!

Learn more about the five stages of changing a behavior…

Tune into this episode of Money Files for a candid conversation about the difficulties of change and learn a new five-step framework to shift behavior. 

Get full show notes and the episode transcript: 

https://wealthovernow.com/five-stages-of-change-with-dielle-charon/

Links mentioned in this episode…

Set up a call | Financial Coach Washington, DC | Wealth Over Now

Download my FREE spending plan

Is financial entitlement sneaking into your life? When your income increases, it's easy to start feeling like you "deserve" certain luxuries—like trips, shopping sprees, or hiring help—without fully considering how those choices impact your finances. In today's episode, I explore how financial entitlement manifests, often in the form of thinking about what you "should" be able to do with your money rather than focusing on how it's actually being spent.

I dive into how this mindset can create competing priorities that derail your long-term money goals and leave you feeling overwhelmed or ashamed about your finances. Using real-life client examples, I share actionable strategies to overcome financial entitlement, regain control of your spending, and craft a budget that supports the life you truly want to build. Tune in to learn how to align your spending with your financial goals and avoid the pitfalls of entitlement.

Learn more about financial entitlement and how to shift your mindset to regain control of your finances…

Tune into this episode of Money Files for a fresh perspective on financial entitlement and how this mindset negatively impacts how you manage your money.

Get full show notes and the episode transcript: 

https://wealthovernow.com/when-desires-overwhelm-your-budget-navigating-the-pitfalls-of-financial-entitlement/

Links mentioned in this episode…

Set up a call | Financial Coach Washington, DC | Wealth Over Now

Download my FREE spending plan

In today's episode, I welcome my client, Denva, to the podcast.

When Denva first came to work with me almost two years ago, she was dealing with credit card debt, starting a new job, and caring for her terminally ill mother. She struggled with feelings of shame and insecurity about her finances, especially around debt, but through our coaching work together, she's completely redefined her relationship with money.

Join us for a financial check-in as Denva walks us through the incredible progress she's made—like paying off credit cards, overcoming emotional spending habits, and shifting her mindset around debt. Her story is a powerful reminder of the impact that mindset shifts and intentional financial management can have on your life.

If you aren't sure if financial coaching is right for you, don't miss this episode! Denva shares insights about what it is like to work with me and her top takeaways from her coaching experience. 

Learn about Denva’s financial journey as we chat about these key topics…

Tune into this episode of Money Files to hear about Denva’s experience with financial coaching and progress and success she continues to create for herself.

Get full show notes and the episode transcript: https://wealthovernow.com/how-coaching-helped-denva-redefine-her-relationship-with-debt/

Links mentioned in this episode…

Set up a call | Financial Coach Washington, DC | Wealth Over Now

Download my FREE spending plan

In the past few weeks, I've focused on the importance of debt awareness and how becoming a saver can help break the cycle of debt. Today, I'm excited to share the next step in your financial journey: choosing a debt payoff strategy.

In this episode, I share personal stories and client successes, highlighting how understanding your specific types of debt—like credit cards, student loans, or auto loans—can greatly impact your repayment approach. I'll walk you through the most common debt payoff options, providing examples to help you find a strategy that aligns with your financial goals.

I also stress the importance of managing cash flow and how reducing high monthly payments can create more financial freedom. I encourage you to look into ways to earn extra income through side gigs or monetizing your skills to speed up your debt repayment.

With the right mindset and strategies, I genuinely believe anyone can overcome debt. Remember, you have the skills to succeed on your financial journey. Tune in for actionable insights and inspiration to take control of your debt!

Explore debt payoff strategies and leverage these financial tools to help get out and stay out of debt…

Tune into this episode of Money Files to discover which debt payoff strategy is right for you.

Get full show notes and the episode transcript: https://wealthovernow.com/navigating-debt-payoff-insights-and-strategies/

Links mentioned in this episode…

Set up a call | Financial Coach Washington, DC | Wealth Over Now

Download my FREE spending plan

No matter which holiday you celebrate, the season comes with many expenses and obligations and holiday spending can lead to debt if you don't plan ahead.

In this episode, I'm sharing strategies to help you have a debt-free holiday season. I guide you through exercises to identify what you truly value about the holidays and how to incorporate those values into your budget. I also emphasize the importance of making a detailed gift list and setting realistic budgets so you avoid overspending. Additionally, I explore alternatives to traditional gifts, such as experiences and travel.

Whether you're feeling the pressure of holiday obligations or concerned about overspending, this episode provides practical tips to help you enjoy the season without financial stress. Tune in for insights on celebrating a debt-free holiday!

Try these strategies to plan for the holiday so you can have a debt-free holiday season…

Tune into this episode of Money Files to start planning for a debt-free holiday.

Get full show notes and the episode transcript: https://wealthovernow.com/mastering-holiday-spending-how-to-plan-ahead-and-enjoy-a-debt-free-holiday/

Links mentioned in this episode…

Set up a call | Financial Coach Washington, DC | Wealth Over Now

Download my FREE spending plan

We don’t talk about it often but one fear you might face as a W2 employee is a layoff.  In a matter of moments, you can go from feeling secure to financial insecurity.  

In this episode, I discuss how to navigate a layoff and offer valuable tips on managing a severance package effectively. I start with a practical exercise to help you determine your "minimum viable number" through a budget analysis. I also recommend applying for unemployment benefits or assistance to make your severance last longer. Additionally, I explain how to structure your withdrawals like a regular paycheck and why understanding your finances empowers you to negotiate future job offers effectively. 

Whether you're worried about being laid off or know someone who is, this episode is for you! Tune in for advice on making the most out of your severance package.

Learn how to manage your severance package after a layoff and listen for these key insights…

Tune into this episode of Money Files to learn how to make the most out of your severance package. 

Get full show notes and the episode transcript: https://wealthovernow.com/unpacking-your-severance-how-to-manage-money-during-a-layoff/

Links mentioned in this episode…

Set up a call | Financial Coach Washington, DC | Wealth Over Now

Download my FREE spending plan