It’s easy to get caught up in the numbers of your budget and feel shame around mistakes you’ve made. It tends to make people want to get everything perfect before really tackling their spending. But money management is not about perfection.

I want to encourage you to slow down, take a step back from the numbers, and identify why and how to start managing your finances more proactively by taking your money on a date.

Today, I’m talking about spending quality time with your money through money dates and how they can help you see what’s going on with your finances at the moment. If you feel overwhelmed with where to start, this is a great place to begin. Spending habits and money goals evolve, and money dates will allow you to release shame, adjust regularly, and prioritize your values.

In this episode, you’ll learn...

Tune in to this episode to learn how money dates can help you stay on top of your spending habits and honor your money goals.

Get full show notes and the episode transcript: https://wealthovernow.com/using-money-dates-to-spend-quality-time-with-your-finances/

It’s common to hear someone say that they’re going to “prove themselves” in a new job before they ask for more money. Or that they need to “prove themselves” when starting a business before getting more clients or charging more for their services. I hear this from my clients all the time. They think they need to prove themselves to be worthy of more money.

I want you to understand you do not need to prove yourself before you make more money. Instead, you need to shift your mindset and your belief in why you desire to make more money.

Today, I’m talking about how mindset shifts, giving purpose to money, and a dream budget are the keys to making more money. I’m asking you to stop thinking that you need to prove yourself and start getting clear on your why. Why do you desire more money? I want you to truly believe that you deserve everything you want and more.

In this episode, you’ll learn...

Tune in to this episode to understand why thinking you need to prove yourself in order to make more money is counterproductive to your goals.

Get full show notes and the episode transcript: https://wealthovernow.com/why-its-not-about-proving-yourself-to-make-more-money/

Links mentioned in this episode…

Listen to my episode on financial visioning

Join Mimosas + Money Matters

Finances are shaped by personal experiences. The most common mindset block I unravel with my clients is their fear of making more money. They doubt their ability to earn more. They think they’re just bad with the money they already have. They let their emotions get in the way, and they let their brain stay stuck in this realm of financial pressure and uncertainty.

I want to give you the tools that will allow you to expand what you think is possible for your finances, to identify financial gaps  and money blocks, and to find financial clarity.

Today, I’m walking you through my process for financial visioning. I used this approach to totally transform my finances and uplevel my money mindset—and you can, too. I’m explaining how to build and achieve your dream budget, and I’m sharing how you can create space for abundance in your life. If the thought of earning more seems impossible, financial visioning will allow you to shift your mindset, and your budget, towards expansion, possibility, and purpose.

In this episode, you’ll learn...

Tune in to this episode to learn my process for envisioning and achieving your dream financial future.

Get full show notes and the episode transcript: https://wealthovernow.com/how-to-use-financial-visioning-to-achieve-your-money-goals/

Links mentioned in this episode…

Listen to Brent’s episode about how he negotiated an $18k raise

Being an entrepreneur comes with a lot of ups and downs. High income months, low income months, months without clients, months with a client waitlist. The inevitable unpredictability can feel stressful. You may find yourself thinking, I’ll just keep pushing through and hopefully things will turn around. I can’t go back to a full-time job. That would mean I failed at my business. It’s a more common thought than you may realize. I have worked with clients who need the support of extra income as they build their business, but feel shame at the thought of taking a full-time job.

Today, I want you to give yourself permission to consider a full-time job as a route to help you more consistently grow your business. I want you to know there is no right or wrong way to build your business.

In today’s episode, I’m talking about why it’s okay to take a full-time job, how to set clear financial goals and a timeline for when you’re ready to go full-time with your business, and the importance of having money systems in place to keep you on the right track.

It’s easy to get caught up in shame and guilt, but I want you to put those thoughts behind you and think of how a full-time job can actually give you more freedom to grow your business.

In this episode, you’ll learn...

Tune in to this episode to learn why it’s okay to return to a full-time job while growing your business and ways to shift your own narrative about how you desire to financially build your business.

Get full show notes and the episode transcript: https://wealthovernow.com/giving-yourself-permission-to-grow-your-business-and-take-on-a-full-time-job

Links mentioned in this episode…

N/A

My clients always tell me when they come into extra money—whether it’s income from a freelance job or a birthday gift or a tax refund. And then they tell me how they spent it. Oftentimes, they overspend without even realizing it. A $1,000 bonus from work can turn into $1,500 in spending if you’re not paying attention.

Extra money can show up in our lives in many ways. The important thing is having a plan in place for how to spend that money.

Today, I’m sharing how to avoid overworking your dollars when you have extra money. You’ll understand the mindset shifts you need to make as well as questions to ask yourself about your priorities. It all comes down to reshaping how you think about extra money and practicing intention around spending it.

In this episode, you’ll learn...

Tune in to this episode to learn how to reshape your thoughts about extra money and how to implement tools to help you stay on track.

Get full show notes and the episode transcript: https://wealthovernow.com/reshaping-how-you-think-about-and-plan-for-extra-income/

When most people think about budgeting, they think about saying “no” to the things that bring them joy: their daily Starbucks run, getting their nails done, brunch with friends. But when you restrict your spending at the expense of your happiness, you set yourself up for an unhealthy relationship with money. That’s why I teach budgeting without restrictions.

Today, I’m walking you through my five-step process for budgeting without restrictions and creating a healthy, happy relationship with your money. I’m sharing how we’ll use this process to create a spending plan that aligns with your desires, and I’m also sharing some of the incredible results my clients have achieved in just a few months of working with me.

In this episode, you’ll learn...

Tune in to this episode to learn my five-step process for budgeting without restriction and transforming your relationship with money.

Get full show notes and the episode transcript: https://wealthovernow.com/how-to-budget-without-restriction-transform-your-relationship-with-money/

Links mentioned in this episode…

Listen to Brent’s episode about how he negotiated an $18k raise

Listen to Damon’s episode about breaking the paycheck-to-paycheck cycle

Listen to Karen’s episode about rebuilding her financial foundation

Listen to Jackie’s episode about setting and reaching financial goals

Listen to Taviana’s episode about her 30-day money transformation

For those experiencing ADHD, impulses and overwhelm—especially around money—can be heightened. But it doesn’t have to be that way!

Today, I am talking to Martha Hoffman, founder of Grounded Learning, about her experience with ADHD and money management.  Martha was diagnosed with ADHD in the seventh grade, which comes with its own set of challenges. But Martha hasn’t let that stop her from exploring and implementing money systems that support her needs.

Prior to working with me, Martha’s experience with money could best be described as random. But now, she has tools and tricks that help her know how to stay on track and when to pivot. She prioritizes what is most important in her life. Her money management works for her, not against her.

ADHD can feel like an uphill battle, with money decisions often left up to chance or mood. But when you have a visual system in place and consistent time to focus on your finances, you can create a plan that works for you, just like Martha. And the benefits are lifelong. You’ll have a clearer view of your overall financial picture. You’ll focus more on your future self. You’ll eliminate fears and doubts and be able to trust yourself around money, and it can be transformative!

In this episode, you’ll learn...

Get full show notes and the episode transcript: https://wealthovernow.com/how-martha-manages-her-money-and-adhd

Join me for my FREE masterclass where you’ll learn how to budget without restriction on March 31st at 12pm EST. Register here!

Links mentioned in this episode…

Martha’s previous Money Files episode

www.wealthovernow.com/masterclass

https://groundedlearningdc.com/

Your spending changes with the seasons, so your spending plan should too. That’s why I do a quarterly money review: to evaluate my spending, celebrate my results, adjust my money goals, and create a new spending plan that accurately reflects my current wants and needs.

In this episode, I’m sharing my process for doing your own quarterly number review. I’m sharing how you can adjust your spending plan in real time to better reflect your current needs and goals. Plus, I’m explaining why it’s so important to think about upcoming expenses when creating your spending plan and savings goals.

In this episode, you’ll learn...

Tune in to this episode to learn how to do your own quarterly number review and get even closer to your money goals.

Get full show notes and the episode transcript: https://wealthovernow.com/a-quarterly-number-review-for-your-personal-finances

Be sure to sign up for my masterclass, How to Budget Without Restriction, on March 31 at 12pm EST: https://wealthovernow.com/masterclass

Links mentioned in this episode…

Listen to Episode 13 with Kim Tran all about salary negotiation

When was the last time you negotiated for something you wanted?

According to Kim Tran, owner of Your Work Inspires, many women avoid negotiation–both in their careers and in everyday life. But Kim believes that we shouldn’t be afraid to negotiate for what we desire, nor should we view negotiation as confrontation. Instead, she wants to help women have tough conversations with confidence and finally get the pay they deserve.

In this episode, Kim and I are chatting about how we as women can take control of our finances, careers, and lives. Kim is sharing her advice for negotiating your salary, and she’s explaining how our everyday actions can help us overcome the gender pay gap. Plus, we’re talking about staying open to new career opportunities.

In this episode, you’ll learn...

If you’re ready to shift out of a scarcity mindset and into one of abundance, tune in for this week’s episode.

Get full show notes and the episode transcript: https://wealthovernow.com/negotiating-for-the-salary-you-desire-deserve-with-kim-tran/

Links mentioned in this episode…

Your Work Inspires

Connect with Kim on Instagram

Learn more about StrengthsFinder 2.0

“I’ll invest in myself when I’m making more money.”

It’s all too common that my clients come to me after months of hesitation. They convince themselves that the investment won’t be worth it, that investing in themselves is a luxury they can’t afford. But as my client Layra learned, investing in yourself is a form of self-care, and cultivating financial confidence is a key step in seeing and feeling your self-worth.

In this episode, Layra and I are chatting about her journey to valuing herself and her business. She’s explaining why she finally invested in coaching and how she overcame the mindset blocks that were keeping her stuck. We’re also talking about investing in yourself as a form of self-care and a crucial step in increasing your income.

In this episode, you’ll learn...

If you’re ready to gain confidence in your finances and truly feel your self-worth, tune in for this week’s episode.

Get full show notes and the episode transcript: https://wealthovernow.com/how-layra-invested-in-herself-increased-her-income/

Links mentioned in this episode…

https://www.instagram.com/layramarz/

https://layramarz.com/