Money with Saprina

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Getting out of debt isn't just about paying off what you owe. It's about changing how you think about money so you don't keep making the same financial decisions. And listen, I know that firsthand. I've financed a car at 24% interest, put vacations on credit cards, and made plenty of money decisions I wouldn't make today.

In this episode, I'm sharing four mindset shifts that helped me change my relationship with money and get out of debt. We're talking about why focusing only on monthly payments can cost you, how to stop spending on autopilot, why you need a financial safety net, and the debt payoff strategies that actually helped me stick with it. I'm also sharing how I made room to enjoy my life while paying off debt, because I'm not interested in being miserable for five years just to get my finances together.

Your past financial mistakes don't define your future, and you haven't ruined your chances at building a rich life. If you're ready to stop repeating the same patterns and build a plan to get out of debt

If you’re making good money but still feel like your finances don’t match the life you’re trying to build, apply for 1:1 coaching with me.

👉 Schedule your coaching consultation

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You had a long week. You worked hard, handled everybody else’s problems, and now you want a little treat. And listen, you probably do deserve one. But what happens when spending money becomes the main way you reward yourself for a life that’s exhausting you?

In this episode, I’m talking about the difference between using your money to enjoy your life and using your money to recover from it. We’re getting into emotional spending, the sneaky “I work hard, so I deserve this” loop, and how to figure out what you actually need before you hit buy. Because sometimes you genuinely want the thing. And sometimes you don’t want another package. You just want to feel better.

If you know what you’re supposed to do with money but actually doing it is the hard part, this is exactly the kind of work I do in private coaching. 

If you’re making good money but still feel like your finances don’t match the life you’re trying to build, apply for 1:1 coaching with me.

👉 Schedule your coaching consultation

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You make six figures, but somehow your salary looks a whole lot better than your bank account. Your bills are paid, you have a good career, and from the outside you look like you're doing well. But there's never quite enough left for the savings, debt payoff, investing, or other goals you keep saying you want to prioritize.

In this episode, we're talking about the $100K lifestyle trap and the invisible pressure to make your lifestyle match your income. Because enjoying your money isn't the problem. The question is whether you consciously chose the lifestyle you're paying for or whether it quietly became what you thought someone at your income level was supposed to have.

If you're making good money but wondering where the hell it keeps going, this is exactly what we work on inside my 12-week private coaching. We'll look at your actual numbers, figure out what matters to you, and build a plan that makes room for the life you actually want. Book a consultation call to learn more.

If you’re making good money but still feel like your finances don’t match the life you’re trying to build, apply for 1:1 coaching with me.

👉 Schedule your coaching consultation

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You got the raise. You crossed six figures. You’re making more money than you ever have before… so why don’t you feel any richer?

In this episode, I’m talking about what happens when your income grows but your financial life grows right along with it. We’re getting into lifestyle creep, spending on autopilot, and the question I want you to ask yourself: What did I actually want this raise to do for me? Because making more money and building financial security are two different skills.

If you’re making good money but still wondering where it all went, this episode is for you. And if you’re ready to build a plan around the money you’re already making, book a consultation call or DM me on Instagram @ItsSaprina.

If you’re making good money but still feel like your finances don’t match the life you’re trying to build, apply for 1:1 coaching with me.

👉 Schedule your coaching consultation

You can make six figures, have the career, take the vacations, pay your bills and still quietly wonder:

Where is all my money going?

Maybe you thought earning more would finally make you feel financially secure.

But now you’re asking yourself if you should have more saved, whether you’re investing enough, why unexpected expenses still throw you off, or why managing money feels harder than it should at this point in your life.

In this episode of Money with Saprina, I’m talking about why a high income and financial security are not the same thing.

I know this personally.

I was the first person in my family to go to college. I built the corporate career. I became a six-figure earner.

And I still ended up with $36,000 in credit card debt.

What I eventually learned was that earning money and intentionally managing money are two completely different skills.

And a lot of women were taught how to build the career and increase their income without ever being taught what to do once the money started coming in.

In this episode, we talk about how to give your money direction without creating another restrictive budget or depending on yourself to suddenly become more disciplined.

• Why making more money doesn’t automatically create financial security
• Why successful women can still feel confused or behind with money
• How family responsibilities, guilt, fear and expectations affect your financial decisions
• Why shame makes it harder to solve money problems
• The three questions I use with my financial coaching clients to create clarity
• How to decide what you actually want your money to do
• Why your financial goals should reflect the life you’re trying to build
• How automation can help you stop relying on discipline and willpower
• Why discipline makes a terrible money management system

1. Where is my money actually going today?

Not where you think it goes. Not where it should go. What is actually happening?

2. What do I want my money to do for me?

Pay off debt? Build an emergency fund? Invest for retirement? Help your kids? Give you the freedom to leave a job? Let you enjoy your life now?

You get to decide.

3. What can I put on autopilot?

Your financial future shouldn’t depend on whether you feel disciplined on a random Thursday.

Automate the things that matter.

Savings. Investments. Bills. Debt payments. Financial goals.

Build the system so your money keeps moving in the right direction without requiring you to constantly make another decision.

If you’re making good money but still feel like your finances don’t match the income you’ve worked so hard to earn, this is exactly the work I do with my private coaching clients.

Together, we look at where your money is going, decide what you want it to do, and build a personalized financial system that helps you pay off debt, save, invest and enjoy your money without constantly wondering if you’re doing enough.

Instagram: @ItsSaprina
Email : [email protected]

Money with Saprina is for women building careers, wealth and lives that look different from the ones they grew up with. We talk about debt, spending, investing, financial systems and the real-life stuff that comes with getting your money together when you’re the first in your family to do it.

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In this episode of Money with Saprina, we’re taking value-based spending one step further and figuring out your actual financial values.

Because “family, freedom, security and health” might be your values, but they’re usually not specific enough to tell you what deserves more room in your budget and what doesn’t.

I’m walking you through the same questions I use with my 1:1 coaching clients to uncover what they genuinely value based on how they want to live, the purchases they’ve loved, the ones they regret and the patterns hiding underneath both.

We’ll talk about:

• The difference between personal values and financial values
• Why value-based spending requires trade-offs
• How to use an imaginary extra $1,000 to uncover what you value
• What your favorite purchases can teach you about your money
• Why spending regrets are just as useful
• How to identify patterns in your spending
• How to choose your three “working financial values”
• A simple 30-day experiment to see whether your spending actually reflects those values

By the end of the episode, you’ll be able to complete this sentence:

Because I value ______, I’m willing to spend more money on ______ and less money on ______.

That’s where your financial values become useful.

Your financial values aren’t the things you think you should spend money on. They’re the things you intentionally make room for in your budget, even when making room for them means saying no to something else.

And they’re allowed to change.

Different seasons of your life can require different things from your money.

🎧 Listen to the episode, grab your notes app or journal and identify your three working financial values for the next 30 days.

Money with Saprina is a personal finance podcast about budgeting, spending, saving, debt, investing and building a financial life that actually feels like yours.

If you’re making good money but still feel like your finances don’t match the life you’re trying to build, apply for 1:1 coaching with me.

👉 Schedule your coaching consultation

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What happens if you miss your next paycheck? What about two or three?

Earlier this year, I was laid off from my corporate job. It was scary, but one thing kept me from spiraling: I had spent years building a financial safety net.

With Black women’s unemployment rising and so much uncertainty around the economy, I’ve been thinking a lot about what we can control.

We can’t control layoffs. We can’t control the economy. But we can start building something underneath us.

In this bonus episode, I’m sharing why I created Own Your Seat, my free 6-week savings challenge, and exactly what we’ll be doing together.

We’re not trying to save some arbitrary amount of money. And I’m definitely not telling you to stop buying coffee.

Instead, we’re going to look for money that’s already moving through your life and find realistic ways to keep more of it.

Every week, we’ll focus on one specific Money Hunt. We’ll look at forgotten subscriptions, bills you can negotiate, refunds and money you may have missed, food you’ve already paid for, and more.

The goal is simple:

Find it. Automate it. Move it. Count it.

Own Your Seat starts September 14 and it’s completely free.

Claim your seat: JOIN THE CHALLENGE  

Because we may not own the table yet. But we can own our seat.

If you’re making good money but still feel like your finances don’t match the life you’re trying to build, apply for 1:1 coaching with me.

👉 Schedule your coaching consultation

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For a long time, I thought being good with money meant being frugal.

Cut the subscriptions. Skip the latte. Do it yourself. Find the cheaper option.

And for a season, I needed that. I was in debt and trying to change my financial situation. But eventually I realized something: I wasn’t working this hard to get my money together just so I could spend as little as possible for the rest of my life.

The goal isn’t to spend less. The goal is to know where your money is going and choose where it goes on purpose.

In this episode, we’re talking about value-based spending and how I went from restrictive budgeting to intentionally spending more on the things that actually add color to my life.

I’m breaking down:

• Why frugality can be a useful season without becoming your entire financial identity
• What cutting almost everything from my budget taught me about what I actually value
• Why I’ll happily spend $500 on travel but say no to plenty of other things
• How to tell the difference between spending you genuinely value and spending that’s just there by default
• My cupcake method for thinking about your spending: the cake, frosting, sprinkles, and cherry on top
• A simple exercise to identify your own financial values

Your money check-in for this week: If you could spend your discretionary money in only three areas, what would you choose?

Not what you should choose. What would you genuinely miss if it disappeared?

Because being good with money isn’t about spending as little as possible.

It’s about knowing where your money is going and choosing where it goes instead of letting it happen by default.

Next week, I’m walking you through the exact system I use with my private coaching clients to identify their financial values.

Work With me

If you’re making good money but still feel like your finances don’t match the life you’re trying to build, apply for 1:1 coaching with me.

👉 Schedule your coaching consultation

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In this episode

• Why I stopped asking "was I good with money this month" and started asking a completely different question
• What changes when your income goes from $24K a year to $200K to a full-time pay cut in your own business — and why looser cash flow makes it easier to get disconnected from your spending, not harder
• My actual month-end process: reconciling in Monarch Money, why I still hand-transfer totals into a spreadsheet, making transfers between my four accounts, and paying my credit card in full every month
• The three questions, one at a time: where did my money go, am I happy with where it went, and where do I want it to go next
• Scoring my spending 1–10 — and why that number is an evaluation, not a grade
• The $80 tote bag I bought because it sold out, not because I needed it
• The $20,000 car I didn't want to buy but absolutely needed to — and why that's not the same thing as a bad decision
• What Marie Kondo's "does it spark joy" question gets wrong about your budget (hint: the spatula)
• The one question your whole month-end process is really trying to answer

Grab the freebie

I built a companion worksheet for this exact process — The New Money Month-End Close. It walks you through all three questions with space to actually write your answers, plus the reminder I want you to read every single month: your spending is data, not a verdict.

Download The New Money Month-End Close 

Loved this episode?

Subscribe to Money with Saprina so you don't miss the next one, and if it hit home, send it to the friend who's been beating herself up over last month's spending. She needs to hear this isn't a verdict either.

If you’re making good money but still feel like your finances don’t match the life you’re trying to build, apply for 1:1 coaching with me.

👉 Schedule your coaching consultation

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You know what you’re supposed to do with your money.

You’ve read the books. You’ve listened to the podcasts. You know you should budget, save, pay down debt, and stop spending money you didn’t plan to spend.

So why is it still so hard to actually do it?

In this episode, I’m talking about the piece of money management we don’t talk about enough: self-trust.

For years, I thought becoming “good with money” happened because I hit my financial rock bottom. But looking back, the crisis wasn’t what changed me. It forced me to make a decision.

What changed me was everything I did afterward.

Opening my accounts instead of avoiding them. Keeping the spending promises I made to myself. Telling myself the truth when I didn’t. And doing those small things over and over until I had something I’d never had before: proof that I could trust myself with money.

In this episode, we talk about:

• Why knowing what to do and actually doing it are two different skills
• How keeping small promises builds financial self-trust
• The difference between saying you’re good with money and becoming someone who is
• Why your promises need to survive your worst days, not just your best ones
• What to do when you break a promise to yourself
• Why one mistake doesn’t erase the track record you’re building

The takeaway: Self-trust isn’t something you wait to feel. You build it. One kept promise at a time.

If you know what to do with your money but you’re struggling to consistently do it, you don’t necessarily need more information. You may need accountability and support while you build a new track record.

Ready for support? Book a consultation call to learn more about working with me 1:1.

https://calendly.com/hermoneyaudit/coaching-consultation

If you’re making good money but still feel like your finances don’t match the life you’re trying to build, apply for 1:1 coaching with me.

👉 Schedule your coaching consultation