In this episode, we dive into the third step of my ACCT framework — Consistency — and why it’s the secret to lasting credit growth, no matter where you’re starting.

Whether you’re rebuilding from negative items or simply working to lower high utilization, this phase is about doubling down on what’s already working and protecting your progress. I share real client examples, simple strategies to keep your score moving in the right direction, and mindset tips.

You’ll learn:

The two main “lanes” for Consistency and how to know which one you’re in

Credit habits that protect your hard-earned gains

How to keep your brain from sabotaging your progress

Real-life success stories from my clients

If you’re ready to make steady progress toward your credit goals — and keep it — this episode is for you. 

Here is the link to the Easy Saving System

https://www.greenwealthlegacy.com/ESS 

Ready to take it to the next level? Visit our website to apply to work with us: http://www.greenwealthlegacy.com

Are you looking for a supportive space to transform your relationship with money? The Guilt-Free Spending Group is designed for high-achieving women who are ready to:

💡 Build financial resilience and confidence.

✨ Create healthy, sustainable money habits.

🌱 Shift from scarcity to abundance.

Inside, you’ll find free tools like the Mindset Money Map and The Budget Toolkit, expert guidance, and a community of like-minded women cheering you on every step of the way.

Be sure to answer the membership questions so we can send you your entry gift right away.

Join here: http://www.facebook.com/groups/guiltfreespending/

Free Money Management Resources just for YOU: https://www.greenwealthlegacy.com/resources

The Legacy Blog: ⁠⁠www.greenwealthlegacy.com/blog

Let's Stay Connected! Website: www.greenwealthlegacy.com ⁠⁠

Facebook: ⁠⁠www.facebook.com/greenwealthlegacy

Instagram: ⁠⁠www.instagram.com/greenwealthlegacy

LinkedIn: ⁠⁠http://linkedin.com/Green-Wealth-Legacy

Pinterest: www.pinterest.com/greenwealthlegacy

You’ve got the plan.

You know the numbers.

But sticking with it?

That’s the real challenge.

In this episode, we break down exactly why it’s hard to stay consistent with your debt payoff plan—and more importantly, what to do about it.

You’ll learn:

✔️ Why your plan keeps falling apart (it’s not what you think)

✔️ How to build a flexible rhythm that fits your real life

✔️ What real progress looks like in 30, 90, and 180 days

✔️ The one tool that keeps you moving forward even when life doesn’t go as planned No fluff. No guilt.

Just a strategy you can use today.

Hit play, grab your notebook, and let’s build a plan you can actually stick to.

Looking for a supportive space to transform your relationship with money?

The Guilt-Free Spending Group is designed for high-achieving women who are ready to:

💡 Build financial resilience and confidence.

✨ Create healthy, sustainable money habits.

🌱 Shift from scarcity to abundance.

Inside, you’ll find free tools like the Mindset Money Map and The Budget Toolkit, expert guidance, and a community of like-minded women cheering you on every step of the way.

Get your Debt Simplified Worksheet here and start tracking your numbers: https://www.greenwealthlegacy.com/your-debt-simplified-worksheet-1

Join here: http://www.facebook.com/groups/guiltfreespending/

Free Money Management Resources just for YOU: https://www.greenwealthlegacy.com/resources

The Legacy Blog: ⁠⁠

www.greenwealthlegacy.com/blog

Let's Stay Connected!

Website:

www.greenwealthlegacy.com

⁠Facebook: ⁠⁠

www.facebook.com/greenwealthlegacy

Instagram: ⁠⁠

www.instagram.com/greenwealthlegacy

LinkedIn: ⁠⁠

http://linkedin.com/Green-Wealth-Legacy

Pinterest:

www.pinterest.com/greenwealthlegacy

Feeling behind with your money again? You’re not alone—and you’re not failing.

In today’s episode, we unpack what it really looks like to manage money when life feels chaotic—and why the key to breaking free from stress and financial “reset mode” is learning how to stay connected in small, steady ways.

We talk about:

• The lie that being behind means you’ve failed

• Why perfection is slowing you down more than helping

• How consistency is less about willpower and more about self-trust

• The emotional toll of avoiding your bank account—and how to stop

• The difference between saving for emergencies vs. big expenses (and why both matter)

• Small, simple shifts that help you build momentum and reclaim your peace

You’ll walk away from this episode with a clear next step, renewed belief in your ability to change, and a deeper understanding of why your habits—not your hustle—shape your future.

This is your invitation to stop checking out with your money—and gently check back in.

Here is the link to the Easy Saving System

https://www.greenwealthlegacy.com/ESS 

Ready to take it to the next level?

Visit our website to apply to work with us:

http://www.greenwealthlegacy.com

Looking for a supportive space to transform your relationship with money?

The Guilt-Free Spending Group is designed for high-achieving women who are ready to:

💡 Build financial resilience and confidence.

✨ Create healthy, sustainable money habits.

🌱 Shift from scarcity to abundance.

Inside, you’ll find free tools like the Mindset Money Map and The Budget Toolkit, expert guidance, and a community of like-minded women cheering you on every step of the way.

Be sure to answer the membership questions so we send you your entry gift right away.

Join here:

http://www.facebook.com/groups/guiltfreespending/

Free Money Management Resources just for YOU: https://www.greenwealthlegacy.com/resources

The Legacy Blog: ⁠⁠www.greenwealthlegacy.com/blog

Let's Stay Connected!

Website: www.greenwealthlegacy.com ⁠⁠

Facebook: ⁠⁠www.facebook.com/greenwealthlegacy

Instagram: ⁠⁠www.instagram.com/greenwealthlegacy

LinkedIn: ⁠⁠http://linkedin.com/Green-Wealth-Legacy

Pinterest: www.pinterest.com/greenwealthlegacy

In this episode, we explore the power of routine integration as the key to transforming your financial confidence and identity.

Whether you're living paycheck to paycheck or struggling to stay consistent, we break down how the Sapphire Design Program helps you design a life on your terms using mindset shifts and practical tools.

You’ll learn the three pillars of integration:

believing new thoughts, anchoring healthy habits, and redefining self-discipline as self-love.

We’ll show you how to release perfectionism, resist instant gratification, and build momentum through simplified routines like 10-minute money dates.

With tools like the Wallet Manager, Plan Ahead Method, and Mindset Money Map Journal, you'll discover how small consistent actions can create big emotional and financial results.

This episode is your invitation to build financial intimacy, fall in love with your routines, and step into the version of you that spends, saves, and plans with confidence—without shame or guilt.

Ready to take it to the next level? Visit our website to apply to work with us: http://www.greenwealthlegacy.com

Looking for a supportive space to transform your relationship with money? The Guilt-Free Spending Group is designed for high-achieving women who are ready to:

💡 Build financial resilience and confidence.

✨ Create healthy, sustainable money habits.

🌱 Shift from scarcity to abundance.

Inside, you’ll find free tools like the Mindset Money Map and The Budget Toolkit, expert guidance, and a community of like-minded women cheering you on every step of the way.

Be sure to answer the membership questions so we send you your entry gift right away.

Join here: http://www.facebook.com/groups/guiltfreespending/

Free Money Management Resources just for YOU: https://www.greenwealthlegacy.com/resources

The Legacy Blog: ⁠⁠www.greenwealthlegacy.com/blog

Let's Stay Connected!

Website: www.greenwealthlegacy.com ⁠⁠

Facebook: ⁠⁠www.facebook.com/greenwealthlegacy

Instagram: ⁠⁠www.instagram.com/greenwealthlegacy

LinkedIn: ⁠⁠http://linkedin.com/Green-Wealth-Legacy

Pinterest: www.pinterest.com/greenwealthlegacy

In this powerful episode of The Guilt-Free Spending Podcast, I break down why clarity, not just knowledge, is the real game changer when it comes to credit. Using a hilarious story about my twin nephews and the “quiet game,” I explain how knowing the rules isn’t enough; you have to know how to apply them.

You’ll learn:

This episode is your reminder that clarity builds confidence, and with just one clear action, you can start creating real results with your credit.

🎯 Plus, I give you a challenge to take action this week. Are you ready?

Looking for a supportive space to transform your relationship with money? The Guilt-Free Spending Group is designed for high-achieving women who are ready to:

💡 Build financial resilience and confidence.

✨ Create healthy, sustainable money habits.

🌱 Shift from scarcity to abundance.

Inside, you’ll find free tools like the Mindset Money Map and The Budget Toolkit, expert guidance, and a community of like-minded women cheering you on every step of the way.

Be sure to answer the membership questions so we can send you your entry gift right away.

Join here: http://www.facebook.com/groups/guiltfreespending/

Free Money Management Resources just for YOU: https://www.greenwealthlegacy.com/resources

The Legacy Blog: ⁠⁠www.greenwealthlegacy.com/blog 

Let's Stay Connected!

Website: www.greenwealthlegacy.com ⁠⁠

Facebook: ⁠⁠www.facebook.com/greenwealthlegacy

Instagram: ⁠⁠www.instagram.com/greenwealthlegacy

LinkedIn: ⁠⁠http://linkedin.com/Green-Wealth-Legacy

Pinterest: www.pinterest.com/greenwealthlegacy

Feeling stuck in debt and overwhelmed by your money decisions?

In this episode, learn how one powerful mindset shift can help you stop the cycle, face your finances, and finally take control of your debt—for good. 💸✨

✨ If you’ve ever thought, “I should be further by now,” this is for you.

We’re talking about:

Why awareness alone isn’t enough

How to stop reacting and start reclaiming control

A simple mindset shift that will move you forward—today

📓 Grab a notebook.

This one’s personal, practical, and full of truth.

Looking for a supportive space to transform your relationship with money?

The Guilt-Free Spending Group is designed for high-achieving women who are ready to:

💡 Build financial resilience and confidence.

✨ Create healthy, sustainable money habits.

🌱 Shift from scarcity to abundance. Inside, you’ll find free tools like the Mindset Money Map and The Budget Toolkit, expert guidance, and a community of like-minded women cheering you on every step of the way.

Be sure to answer the membership questions so we send you your entry gift right away.

Join here:

http://www.facebook.com/groups/guiltfreespending/

Free Money Management Resources just for YOU:

https://www.greenwealthlegacy.com/resources

The Legacy Blog:

⁠⁠www.greenwealthlegacy.com/blog 

Let's Stay Connected!

Website:

www.greenwealthlegacy.com  

Facebook: ⁠⁠

www.facebook.com/greenwealthlegacy

Instagram: ⁠⁠

www.instagram.com/greenwealthlegacy

LinkedIn: ⁠⁠

http://linkedin.com/Green-Wealth-Legacy

Pinterest:

www.pinterest.com/greenwealthlegacy

Explore the connection between emotional self-care and financial clarity with Money Planning Coach Josee Mbamba.

In this powerful episode of the Guilt-Free Spending Podcast, Josee Mbamba breaks down the most overlooked step between financial awareness and lasting change: clarity.

This isn’t just about seeing your numbers—it’s about feeling grounded and in control of your money again. Josee shares why clarity is a form of self-care, the beliefs that make it possible, and how emotional clutter often blocks financial progress.

You’ll hear a relatable client story, get actionable steps to create structure, and walk away with journal prompts that help you shift from overwhelmed to organized.

If you’re ready to stop second-guessing and start building a system that reflects your values, this episode is for you.

🎧 Listen now—and let clarity lead the way.

Ready to take it to the next level? Apply to work with us at: http://www.greenwealthlegacy.com

Looking for a supportive space to transform your relationship with money?

The Guilt-Free Spending Group is designed for high-achieving women who are ready to: 💡 Build financial resilience and confidence.

✨ Create healthy, sustainable money habits.

🌱 Shift from scarcity to abundance.

Inside, you’ll find free tools like the Mindset Money Map and The Budget Toolkit, expert guidance, and a community of like-minded women cheering you on every step of the way.

Be sure to answer the membership questions so we send you your entry gift right away.

Join here: http://www.facebook.com/groups/guiltfreespending/ Free Money Management

Resources just for YOU:

https://www.greenwealthlegacy.com/resources

The Legacy Blog: ⁠⁠www.greenwealthlegacy.com/blog

Let's Stay Connected!

Website: www.greenwealthlegacy.com ⁠⁠

Facebook: ⁠⁠www.facebook.com/greenwealthlegacy

Instagram: ⁠⁠www.instagram.com/greenwealthlegacy

LinkedIn: ⁠⁠http://linkedin.com/Green-Wealth-Legacy

Pinterest: www.pinterest.com/greenwealthlegacy

Explore the mind, body, and money connection with Money Life Coach Christiane David.

In this powerful episode of the Guilt-Free Spending Podcast, Christiane David explores what happens after you’ve built financial awareness. The next step? Creating financial intimacy—a deep, personal relationship with your money rooted in emotional clarity, self-trust, and intentional action. Christian shares how to connect your mind, body, and money by identifying emotions in the body, learning to allow them without judgment, and building the habits and skills needed to move forward. If you’re ready to stop reacting to money and start making empowered, aligned decisions, this episode is your roadmap.

Ready to take it to the next level? Visit our website to apply to work with us: http://www.greenwealthlegacy.com

Looking for a supportive space to transform your relationship with money? The Guilt-Free Spending Group is designed for high-achieving women who are ready to:

💡 Build financial resilience and confidence.

✨ Create healthy, sustainable money habits.

🌱 Shift from scarcity to abundance.

Inside, you’ll find free tools like the Mindset Money Map and The Budget Toolkit, expert guidance, and a community of like-minded women cheering you on every step of the way.

Be sure to answer the membership questions so we send you your entry gift right away.

Join here: http://www.facebook.com/groups/guiltfreespending/

Free Money Management Resources just for YOU: https://www.greenwealthlegacy.com/resources

The Legacy Blog: ⁠⁠www.greenwealthlegacy.com/blog

Let's Stay Connected!

Website: www.greenwealthlegacy.com ⁠⁠

Facebook: ⁠⁠www.facebook.com/greenwealthlegacy

Instagram: ⁠⁠www.instagram.com/greenwealthlegacy

LinkedIn: ⁠⁠http://linkedin.com/Green-Wealth-Legacy

Pinterest: www.pinterest.com/greenwealthlegacy

In this foundational episode, host Christiane David dives deep into the power of awareness as the first essential step to financial transformation. Before any strategies, spreadsheets, or savings plans can work, you must first know exactly where you are—mentally, emotionally, and financially. Christiane unpacks how thoughts create emotions, emotions drive actions, and actions lead to financial results, making self-awareness not just helpful but necessary for lasting change. This episode offers practical tools and powerful mindset shifts to help you understand your relationship with money in a judgment-free way.

Ready to take it to the next level? Visit our website to apply to work with us: http://www.greenwealthlegacy.com

Looking for a supportive space to transform your relationship with money? The Guilt-Free Spending Group is designed for high-achieving women who are ready to:

💡 Build financial resilience and confidence.

✨ Create healthy, sustainable money habits.

🌱 Shift from scarcity to abundance.

Inside, you’ll find free tools like the Mindset Money Map and The Budget Toolkit, expert guidance, and a community of like-minded women cheering you on every step of the way.

Be sure to answer the membership questions so we send you your entry gift right away.

Join here: http://www.facebook.com/groups/guiltfreespending/

Free Money Management Resources just for YOU: https://www.greenwealthlegacy.com/resources

The Legacy Blog: ⁠⁠www.greenwealthlegacy.com/blog

Let's Stay Connected!

Website: www.greenwealthlegacy.com ⁠⁠

Facebook: ⁠⁠www.facebook.com/greenwealthlegacy

Instagram: ⁠⁠www.instagram.com/greenwealthlegacy

LinkedIn: ⁠⁠http://linkedin.com/Green-Wealth-Legacy

Pinterest: www.pinterest.com/greenwealthlegacy

In this episode, we're talking about the first and most powerful step to take control of your money-checking your credit report. If you haven’t reviewed your credit in the last 90 days, you could be putting your financial future at risk without even knowing it.

I’ll show you exactly how to pull your reports, what to look for, and why it’s not just about the score but the story your credit profile is telling lenders.

We’ll talk about overcoming fear, shame, and avoidance, and stepping into your role as the CEO of your financial life.

Whether you’re trying to rebuild your credit, prepare for homeownership, or simply want to feel more in control-this is where financial confidence begins.

Looking for a supportive space to transform your relationship with money? The Guilt-Free Spending Group is designed for high-achieving women who are ready to:

💡 Build financial resilience and confidence.

✨ Create healthy, sustainable money habits.

🌱 Shift from scarcity to abundance.

Inside, you’ll find free tools like the Mindset Money Map and The Budget Toolkit, expert guidance, and a community of like-minded women cheering you on every step of the way.

Be sure to answer the membership questions so we send you your entry gift right away.

Join here: http://www.facebook.com/groups/guiltfreespending/

Free Money Management Resources just for YOU: https://www.greenwealthlegacy.com/resources

The Legacy Blog: ⁠⁠www.greenwealthlegacy.com/blog

Let's Stay Connected!

Website: www.greenwealthlegacy.com ⁠⁠

Facebook: ⁠⁠www.facebook.com/greenwealthlegacy

Instagram: ⁠⁠www.instagram.com/greenwealthlegacy

LinkedIn: ⁠⁠http://linkedin.com/Green-Wealth-Legacy

Pinterest: www.pinterest.com/greenwealthlegacy