Pruning To Prosper/ Catholic, Declutter, Organize, Motivation, Budget, Meal Plan

Opening Bible verse: James 1:22-25

Are you a hearer or a doer? Do you take in all the information? Buy all the personal finance books, listen to all the podcasts and talking heads, yet haven't started doing anything with your money?  In today's episode, I challenge you to move from being a hearer to a doer.  Retiring with dignity and living a life of financial freedom is in your control.  May today mark the day that you start living a life of abundance, the life God has designed for you.  He doesn't want you to struggle month to month, He loves you.  But you've got to do your part too.  

Today's episode is the second part of episode 101.  Your fixed costs should be no higher than 60% of your monthly take home pay.  If your fixed costs are at 60% or lower...great! You are well on your way to a life of financial freedom. Except, you don't feel like you're on your way.  You still have to pull out the credit card to cover any financial surprises.  A few hundred dollars a month, would really help.  Let's see how we can find those extra hundred dollars each month so you can breathe easier and ultimately, pay off debt, build savings, and retire with dignity

The budgeting app mentioned in this episode is the Everydollar App

Paying off debt is you living in the past.  Saving is you living for the future.  Let's change the course.  Email me if you would like 1:1 money coaching.  [email protected]

*****Enter To WIN!*****

Let’s celebrate one year of Pruning To Prosper Podcast!  If you’ve enjoyed this podcast, please leave me a 5 star review on Apple iTunes.  Before you hit “send”, take a screenshot and email it me at: [email protected] to be entered to win 1 hour of free coaching.  If I read your review on March 23rd…you’re the winner!  You may choose one hour of meal planning, budgeting, decluttering your wardrobe or mindset coaching to help you get unstuck.  

Is the clutter in your home so overwhelming you don't know where to begin? Or you do begin and quickly make a bigger mess, get frustrated and give up? Are you waiting for motivation to strike and THEN you'll get it together?  

 Motivation is not going to strike, so STOP waiting for it!  Just get started and guess, what? Momentum will kick in and help you finish the job.  When we look at the big picture, it's easy to get overwhelmed and stay stuck.  In these Saturday morning episodes, I lead you through one very small area of your home to declutter for just 5 minutes.  You won't pull everything out and make a bigger mess, you'll just handle a very small section at a time.  Week after week and little by little, your home will begin to feel lighter. You'll be able to freely open kitchen drawers and quickly find items.  Cleaning will become easier too because you won't be cleaning before you can actually clean.  5 minutes will make a difference! Set your prayer intention to unite your work with Him, pop in this podcast, and set your reward.  Let's get started

*****Enter To WIN!*****

Let’s celebrate one year of Pruning To Prosper Podcast!  If you’ve enjoyed this podcast, please leave me a 5 star review on Apple iTunes.  Before you hit “send”, take a screenshot and email it me at: [email protected] to be entered to win 1 hour of free coaching.  If I read your review on March 23rd…you’re the winner!  You may choose one hour of meal planning, budgeting, decluttering your wardrobe or mindset coaching to help you get unstuck.  

To work with me 1:1 or to schedule a 30 minute complimentary discovery call, please email me at: [email protected]

To watch this podcast on YouTube, click here: https://www.youtube.com/channel/UCyBOLMzUaXPRTy59xCxr76g

To follow me on Facebook and join in live chats and classes, click here: https://www.facebook.com/tightshipmama

If Instagram is your jam, here you go: https://www.instagram.com/tightshipmama/

Opening Bible verse: Matthew 14:24-33

Some months you're okay.  All the bills are paid and you can exhale.  You are walking on water.  The next, you're not okay. You feel overwhelmed and as if you are drowning financially.  Are you tired of not feeling safe financially?  Do you feel like one storm will do you in with your money?  Take a look at this one number to see if this could be the problem.

Your monthly fixed costs.  What? These are the costs that don't fluctuate too much.  Your mortgage or rent, car payments, tuition, elite sports fees, utilities, student loans, credit card debt and on and on.  

Add up all of your fixed monthly costs.  What percentage of your monthly take home pay is this number? If it's higher than 60%, this episode is for you.  Focus on your top 3 culprits (your big wins) in this category.  Is it your house? Your car? Your kids' school? Debt?  Now you know where to focus to cut costs.  You can skip coffee all month long but it won't move the needle as much as addressing the big 3. 

% of monthly  take home pay for fixed costs=  $total fixed costs/$total monthly take home pay X 100

If you are struggling with managing money, please don't hesitate to reach out.  The best day to start winning with money is today.  Email me today to schedule your 30 minute complementary discovery zoom.  This is Christian based money coaching following the Baby Steps created by Dave Ramsey.

Email me at: [email protected]

*****Enter To WIN!*****

Let’s celebrate one year of Pruning To Prosper Podcast!  If you’ve enjoyed this podcast, please leave me a 5 star review on Apple iTunes.  Before you hit “send”, take a screenshot and email it to me at: [email protected] to be entered to win 1 hour of free coaching.  If I read your review on March 23rd…you’re the winner!  You may choose one hour of meal planning, budgeting, decluttering your wardrobe or mindset coaching to help you get unstuck.  

Is the clutter in your home so overwhelming you don't know where to begin? Or you do begin and quickly make a bigger mess, get frustrated and give up? Are you waiting for motivation to strike and THEN you'll get it together?  

 Motivation is not going to strike, so STOP waiting for it!  Just get started and guess, what? Momentum will kick in and help you finish the job.  When we look at the big picture, it's easy to get overwhelmed and stay stuck.  In these Saturday morning episodes, I lead you through one very small area of your home to declutter for just 5 minutes.  You won't pull everything out and make a bigger mess, you'll just handle a very small section at a time.  Week after week and little by little, your home will begin to feel lighter. You'll be able to freely open kitchen drawers and quickly find items.  Cleaning will become easier too because you won't be cleaning before you can actually clean.  5 minutes will make a difference! Set your prayer intention to unite your work with Him, pop in this podcast, and set your reward.  Let's get started

To work with me 1:1 or to schedule a 30 minute complimentary discovery call, please email me at: [email protected]

To watch this podcast on YouTube, click here: https://www.youtube.com/channel/UCyBOLMzUaXPRTy59xCxr76g

To follow me on Facebook and join in live chats and classes, click here: https://www.facebook.com/tightshipmama

If Instagram is your jam, here you go: https://www.instagram.com/tightshipmama/

Opening Bible Verses: Genesis 3:6, 3:11-13

Adam and Eve do two things in this first book of the Bible that we can say people are still doing today that is keeping them broke, drowning in debt, overweight and miserable. 

There is a different way.  The way of the wealthy.  In today's episode, I share what not to do like Adam and Eve and what you can start doing today to go from a poor person mindset to a wealthy person mindset.

I mention two books in this episode and I recommend you check them out at the library. If you want to own them, you can purchase them here:

Total Money Makeover

and

I Will Teach You To Be Rich

****WIN **** Help me celebrate one year of podcasting.  1 hour of free coaching with me!  Here's how...leave me a 5 star review. BUT! Before you hit "send", take a screen shot and email it to me.  I'll enter you into the drawing to win.  I'll announce the winner on March 23rd! The winner can choose coaching in meal planning, wardrobe declutter, budget, or mindset coaching. Email me at: [email protected] to be entered to win. Good luck and thank you for a wonderful first year!

If you are interested in 1:1 coaching, please email me for a half hour complimentary session.

Is the clutter in your home so overwhelming you don't know where to begin? Or you do begin and quickly make a bigger mess, get frustrated and give up? Are you waiting for motivation to strike and THEN you'll get it together?  

 Motivation is not going to strike, so STOP waiting for it!  Just get started and guess, what? Momentum will kick in and help you finish the job.  When we look at the big picture, it's easy to get overwhelmed and stay stuck.  In these Saturday morning episodes, I lead you through one very small area of your home to declutter for just 5 minutes.  You won't pull everything out and make a bigger mess, you'll just handle a very small section at a time.  Week after week and little by little, your home will begin to feel lighter. You'll be able to freely open kitchen drawers and quickly find items.  Cleaning will become easier too because you won't be cleaning before you can actually clean.  5 minutes will make a difference! Set your prayer intention to unite your work with Him, pop in this podcast, and set your reward.  Let's get started

To work with me 1:1 or to schedule a 30 minute complimentary discovery call, please email me at: [email protected]

To watch this podcast on YouTube, click here: https://www.youtube.com/channel/UCyBOLMzUaXPRTy59xCxr76g

To follow me on Facebook and join in live chats and classes, click here: https://www.facebook.com/tightshipmama

If Instagram is your jam, here you go: https://www.instagram.com/tightshipmama/

Opening Bible verse: Luke 9:18-20

Less than 10% of all Scouts achieve the rank of Eagle Scout.  Part of the final step is to complete a project for your community.  While every Eagle Scout project is a major accomplishment, the story I share with you today is clearly not your average Eagle Scout project.  

We are all being called.  We have all been designed to do something here on earth for God's greater glory.  Yet, how many of us listen to who the crowds say we are instead of who God says we are?  

Today's episode tells the story of a young man who is earning the rank of Eagle Scout.  Years ago, a seed was planted in his heart to do something big. To have his project leave a legacy.  We are all called to have the faith of a child, but how many of us have the courage of a child? How many of us really believe who God says we are?

If you are inspired by this Scout's story and would like to help him achieve his goal in phase 2 of raising $3,000 for office and medical supplies to be purchased in Africa, you can click on this link below to help. https://villagesinpartnership.org/?form=MedSupport&fundraiser=NBRMDZQJ&member=SGVCMFKG

If you would like to work with me 1:1 please email me at: [email protected] to schedule your complimentary half hour consultation.  

Is the clutter in your home so overwhelming you don't know where to begin? Or you do begin and quickly make a bigger mess, get frustrated and give up? Are you waiting for motivation to strike and THEN you'll get it together?  

 Motivation is not going to strike, so STOP waiting for it!  Just get started and guess, what? Momentum will kick in and help you finish the job.  When we look at the big picture, it's easy to get overwhelmed and stay stuck.  In these Saturday morning episodes, I lead you through one very small area of your home to declutter for just 5 minutes.  You won't pull everything out and make a bigger mess, you'll just handle a very small section at a time.  Week after week and little by little, your home will begin to feel lighter. You'll be able to freely open kitchen drawers and quickly find items.  Cleaning will become easier too because you won't be cleaning before you can actually clean.  5 minutes will make a difference! Set your prayer intention to unite your work with Him, pop in this podcast, and set your reward.  Let's get started

To work with me 1:1 or to schedule a 30 minute complimentary discovery call, please email me at: [email protected]

To watch this podcast on YouTube, click here: https://www.youtube.com/channel/UCyBOLMzUaXPRTy59xCxr76g

To follow me on Facebook and join in live chats and classes, click here: https://www.facebook.com/tightshipmama

If Instagram is your jam, here you go: https://www.instagram.com/tightshipmama/

Opening Bible verse: Psalm 119:27-28

Happy Ash Wednesday, friends!  I am excited to bring this episode to you today as we begin this Holy Season of Lent.  Today we have author, Tina Brienza Guida joining us today to talk about her new book, The Mindful Morning - Meditate, Pray and Love Your Life: A Catholic Guide to Why You Should Meditate and How to Get Started.  Tina is an advocate for mental health, families, and personal development. The foundation of her work is a belief that healthy, beautiful living can be achieved with lifestyle, nutrition, and faith.  Tina has an English degree from the City University of New York Baruch College and a master catechist certification in the Roman Catholic faith in progress. She lives in eastern Pennsylvania with her husband, Glenn, and their two sons. Tina is also a contributing writer for the Today Show Parenting Blog.  

You can purchase her book here:

https://www.amazon.com/Mindful-Morning-Meditate-Catholic-Started/dp/B0BBQDMCDJ/ref=sr_1_1?crid=19YXGSSPTTDFX&keywords=the+mindful+morning+meditate%2C+pray&qid=1676677772&sprefix=the+mindful+morning+%2Caps%2C80&sr=8-1

To read her Today Show blog, you can click here:

https://community.today.com/parentingteam/post/heaven-help-us

To connect with Tina via LinkedIn, you can do that here:https://www.linkedin.com/in/tina-m-guida-4b74a7a8/

Other books mentioned in this episode are:

https://www.amazon.com/Quiet-Times-God-Devotional-Inspirations/dp/1455560286/ref=sr_1_7?crid=BIQDFZXVUZMG&keywords=joyce+meyers+books+daily+devotional&qid=1676988344&sprefix=Joyce%2Caps%2C111&sr=8-7

and

https://www.amazon.com/Jesus-Calling-Enjoying-Peace-Presence/dp/1591451884/ref=sr_1_1?crid=1NYKLGIBOIV2B&keywords=jesus+calling+by+sarah+young+365+day+devotional&qid=1676988412&sprefix=Jesus+%2Caps%2C113&sr=8-1

If you'd like to work with me 1:1, I can be reached at: [email protected]

Is the clutter in your home so overwhelming you don't know where to begin? Or you do begin and quickly make a bigger mess, get frustrated and give up? Are you waiting for motivation to strike and THEN you'll get it together?  

 Motivation is not going to strike, so STOP waiting for it!  Just get started and guess, what? Momentum will kick in and help you finish the job.  When we look at the big picture, it's easy to get overwhelmed and stay stuck.  In these Saturday morning episodes, I lead you through one very small area of your home to declutter for just 5 minutes.  You won't pull everything out and make a bigger mess, you'll just handle a very small section at a time.  Week after week and little by little, your home will begin to feel lighter. You'll be able to freely open kitchen drawers and quickly find items.  Cleaning will become easier too because you won't be cleaning before you can actually clean.  5 minutes will make a difference! Set your prayer intention to unite your work with Him, pop in this podcast, and set your reward.  Let's get started

Lenten Accountability Group!!!  Are you looking to get more out of Lent this year?  Me too!  Join me every weekday at 5am EST of Lent live via Zoom to pray the rosary and hold each other accountable for our Lenten promises.  Each day we will declutter one item from our homes, track our daily spending, give up one thing that tempts us, and add something in fitness, fun or friendship. I hope to see you there! You can register here: https://buy.stripe.com/dR6eYoeXF0tme40dQU

To work with me 1:1 or to schedule a 30 minute complimentary discovery call, please email me at: [email protected]

To watch this podcast on YouTube, click here: https://www.youtube.com/channel/UCyBOLMzUaXPRTy59xCxr76g

To follow me on Facebook and join in live chats and classes, click here: https://www.facebook.com/tightshipmama

If Instagram is your jam, here you go: https://www.instagram.com/tightshipmama/