Wise Up With Your Money

When You Don't Know Your Limits Anymore

I grew up an athlete. Two-a-days, sometimes three-a-days, and I knew my body inside and out. Then, in my twenties, I landed in the hospital with rhabdo… not once, but twice. Suddenly, I didn't know my limits anymore, and I was scared.

If you've been through a big life change (a new baby, a job or career shift, becoming a stay-at-home mom, getting married), your money might feel the same way. The old "feel" for what you can spend just doesn't work anymore, and it's easy to slip into avoidance, overspending, or guilt without realizing it.

In this episode, I share my story and walk you through how to relearn your money boundaries with grace:

• Why life transitions throw off your spending (even when you used to have it together)
• The warning signs your money might be sending you
• The avoid-panic-overspend cycle, and how to break it
• 4 steps to relearn your boundaries for this season
• A simple 3-question action step to do with your spouse this week

If you're in a season where you just don't know your limits anymore, you're not failing. You're relearning.

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Rate, review, and follow on Apple podcasts at   https://podcasts.apple.com/us/podcast/wise-up-with-your-money/id1566900405?uo=4. Leaving a review helps me continue to get these money-saving messages out there to families just like you looking to better your family's money future! Click here, scroll to the bottom, and tap "Write a Review" to get started.

Thank you so much for listening to this week's episode. Be sure to tune in next week!

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👉 Have a question about your money? MAKE TIME in your schedule, and go to   https://www.familywisefinancialcoach.com/discovery-call to schedule your free call!

Are you tracking your money, checking your bank account, and knowing exactly where your money went, but still not making progress?

In this episode, I'll share a simple story about doing a puzzle with my mom and how it made me realize we can do the same thing with our money: organize, track, and move things around without actually moving forward.

Tracking is a tool, not the goal.

Instead of constantly asking, “Where did my money go?” I challenge you to ask, “Where does my money need to go?”

Learn how to stop simply managing your money and start giving it direction today, so you can make real progress toward what matters most.

Don't miss this!

Rate, review, and follow on Apple podcasts at   https://podcasts.apple.com/us/podcast/wise-up-with-your-money/id1566900405?uo=4. Leaving a review helps me continue to get these money-saving messages out there to families just like you looking to better your family's money future!

Click here, scroll to the bottom, and tap "Write a Review" to get started.

Thank you so much for listening to this week's episode. Be sure to tune in next week!

👉 Have a question about your money? MAKE TIME in yourschedule, and go to   https://www.familywisefinancialcoach.com/discovery-call to schedule your free call!

Have you ever felt like the moment you start making progress with your money, another expense pops up?

The car needs repairs. A school fee is due. Your child gets invited to a birthday party. Suddenly, you're reaching for the credit card again and wondering, "Why does this keep happening?" Yup, I get it!

In this episode, I share why these moments may not mean you're bad with money at all. In fact, you may simply have an underdeveloped planning muscle. Say WHAT?

Instead of looking backward at where your money went, what if you started looking ahead at what's coming next?

In this episode, you'll learn:

• Why predictable expenses often feel like emergencies.
• The difference between reacting to your money and planning for it.
• How to strengthen your "planning muscle" without creating a complicated budget.
• A simple exercise you can do this week to feel more confident and in control of your finances.

If you're tired of feeling caught off guard and want a simple system that helps you make steady progress, this episode is for you.

Because the goal isn't perfection. It's becoming a little stronger with your money than you were last week.

Rate, review, and follow on Apple podcasts at   https://podcasts.apple.com/us/podcast/wise-up-with-your-money/id1566900405?uo=4. Leaving a review helps me continue to get these money-saving messages out there to families just like you looking to better your family's money future! Click here, scroll to the bottom, and tap"Write a Review" to get started.

👉 Have a question about your money? MAKE TIME in yourschedule, and go to   https://www.familywisefinancialcoach.com/discovery-call to schedule your free call!

🆓 If you don't know how to create a plan with your money,then go get my free quick start guide in the show notes that tells you HOW: https://www.familywisefinancialcoach.com/quickstartguide

Are balance transfer cards a smart financial tool…or just another debt trap?

In this episode of Wise Up With Your Money, we break down the truth about balance transfer cards:

• how they work,
• when they can help you save thousands in interest,
• and the BIG mistake that keeps so many families stuck in the debt cycle.

You’ll learn:

• what balance transfer cards actually are

• how 0% interest offers work

• the hidden risks to watch out for

• why paying off debt requires more than just transferring balances

• and how to use balance transfer cards wisely with intention and a plan

We also dive into the importance of creating a value-based spending plan that leads to lasting financial peace.

If you’re trying to pay off debt, stop relying on credit cards, and feel more confident with your money, this episode is for you.

Wise up this week by taking one intentional step with your money, give yourself grace along the way, and let’s build financial peace together.

👉 Ready to make REAL progress with your money? It's time to call me so click here (https://www.familywisefinancialcoach.com/discovery-call) to schedule your free call!

Have you ever felt like you can’t quite catch your breath when it comes to your money? Like every time you think about it… your chest tightens a little…

If so this episode is for you. You'll walk away with:

Step 1: → Knowing where your money is going

Step 2: → Giving your money direction

Step 3: → Building a simple weekly rhythm

They're simple steps to get your money kickstarted, but they lead to powerful change.

Don't miss this!

Rate, review, and follow on Apple podcasts at   https://podcasts.apple.com/us/podcast/wise-up-with-your-money/id1566900405?uo=4. Leaving a review helps me continue to get these money-saving messages out there to families just like you looking to better your family's money future! Click here, scroll to the bottom, and tap"Write a Review" to get started.

👉 Have a question about your money? MAKE TIME in yourschedule, and go to https://www.familywisefinancialcoach.com/discovery-call to schedule your free call!

 In this week's episode, we'll talk about two things you could focus on during your financial journey....BUT one is better than the other. 

Should you be focusing on your financial direction? 

or speed to achieve your financial goal? 

So listen in on this episode to find out my answer on this AND you'll also hear more on:

• questions to ask yourself to make progress in your financial journey,

• what to do if you've stalled in making financial progress,

• AND 3 actions you can take to kickstart your money journey again!

Check it out because you don't want to miss this!

Rate, review, and follow on Apple podcasts at https://podcasts.apple.com/us/podcast/wise-up-with-your-money/id1566900405?uo=4 . Leaving a review helps me continue to get these money-saving messages out there to families just like you looking to better your family's money future! Click here, scroll to the bottom, and tap "Write a Review" to get started.

Thank you so much for listening to this week's episode. Be sure to tune in next week!

👉 Have a question about your money? MAKE TIME in your schedule, and go to https://www.familywisefinancialcoach.com/discovery-call schedule your free call!

🆓 If you don't know how to budget then go get my free quick start guide in the show notes that tells you HOW to create your first budget:  https://www.familywisefinancialcoach.com/quickstartguide

Other resources I mentioned in this week's episode:

Episode #33: Goal writing (https://www.familywisefinancialcoach.com/wiseupwithyourmoney/episode/3391e3fa/33-dont-aim-for-nothing-in-the-new-year)

Episode #5: Do THIS to find extra money (https://www.familywisefinancialcoach.com/wiseupwithyourmoney/episode/314aa1ad/5-do-this-if-you-want-to-find-extra-money)

Have you ever put off a purchase telling yourself, “We’ll deal with it next month”?

And then suddenly… you have to buy it.

A client of mine recently shared this exact story. They had been putting off buying a new mattress for years — even though their sleep, rest, and health were slowly being affected.

Until one day they hit their limit.

Pain, exhaustion, and frustration took over. They walked into the store with a number in mind… but walked out with a monthly payment and an awful feeling of guilt.

It wasn’t reckless. It was reactive.

And even though they could technically “make it work,” they didn’t walk away feeling relieved or proud. Instead, they felt the weight of another payment, a tighter budget, and less breathing room.

Sound familiar?

In this episode, I’m sharing their story and talking about something many families experience but rarely talk about — reactive spending.

We’ll cover:
• Why waiting too long to plan for purchases can backfire financially and emotionally
• How reactive spending quietly sneaks up on even the most responsible families
• Simple, practical steps you can take now so future purchases feel planned, peaceful, and guilt-free

Because the goal isn’t just to buy what you need — it’s to feel confident, calm, and in control when you do.

If you’ve ever delayed a purchase and then felt the pressure when it couldn’t wait any longer, this episode is for you.

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Rate, review, and follow on Apple podcasts at   https://podcasts.apple.com/us/podcast/wise-up-with-your-money/id1566900405?uo=4. Leaving a review helps me continue to get these money-saving messages out there to families just like you looking to better your family's money future! Click here, scroll to the bottom, and tap "Write a Review" to get started.

Thank you so much for listening to this week's episode. Be sure to tune in next week!

👉 Want more for your money? Then sign up with me for your FREE call here (https://www.familywisefinancialcoach.com/discovery-call) to get started!

Ever find yourself tired, overwhelmed, and hoping this one thing will finally make everything better?

In this episode, I share a very real (and very relatable) story about chasing a “quick fix” — including a $130 pillow that promised relief but didn’t deliver. From impulse purchases to debt shortcuts, we talk about why quick fixes feel so tempting when life and money feel heavy… and why they rarely lead to lasting change.

Money struggles don’t happen overnight, and they usually can’t be fixed overnight either. Real financial peace is built over time through awareness, consistency, and a whole lot of grace.

In this episode, we cover:

• Why quick fixes are so appealing when we’re tired and overwhelmed

• How years of money habits can’t be undone with one decision

• Common money “shortcuts” that don’t actually solve the root problem

• Simple awareness exercises to help you spot overspending patterns

• Gentle boundaries you can try around categories like eating out, Amazon, or Target

• Why your financial journey is a marathon, not a sprint
  

If you’re ready to take action (without chasing another quick fix), start here:

1. Pull up your last 30 days of bank or credit card statements

2. Look for patterns without judgment

3. Identify one or two overspending categories

4. Try setting small, realistic boundaries and see how it feels
   

And if even that feels overwhelming, you don’t have to do this alone.

This is exactly what I help families with — building awareness, aligning money with values, and creating systems that actually work in real life. If you’re ready for support, reach out and let’s walk this journey togetherhttps://www.familywisefinancialcoach.com/discovery-call⁠ to schedule your free call!

Because lasting change doesn’t come from shortcuts — it comes from intentional steps taken over time.

Want a fresh start with your money? Maybe you’re ready to tackle debt, save for a vacation without relying on credit cards, or stop feeling guilty when you spend.

Resonate with you?

This episode walks you through a simple perspective shift that could change the way you manage your money and help you find real financial peace and breathing room with your money.

Rate, review, and follow on Apple podcasts at   https://podcasts.apple.com/us/podcast/wise-up-with-your-money/id1566900405?uo=4. Leaving a review helps me continue to get these money-saving messages out there to families just like you looking to better your family's money future!

Click here, scroll to the bottom, and tap"Write a Review" to get started.

Thank you so much for listening to this week's episode. Be sure to tune in next week!

👉 Have a question about your money? MAKE TIME in yourschedule, and go to   https://www.familywisefinancialcoach.com/discovery-call to schedule your free call!

👉 Want the free resource I mentioned in this week's episode? Go to   ⁠https://www.familywisefinancialcoach.com/bettersteward and enjoy!

Depending on where you are at with your financial journey you may need a financial coach, a financial advisor, or you may even need both! But if you are not sure which one OR you didn't even know there was a difference, then you gotta listen to this week's episode!

Because not only will you know who you need, but you'll also learn:

So stop reading and start listening!

Rate, review, and follow Apple podcasts at   https://podcasts.apple.com/us/podcast/wise-up-with-your-money/id1566900405?uo=4. Leaving a review helps me continue to get these

Thank

👉 Have a question about your money? MAKE TIME in your

🆓 If you don't know how to budget

Apple: https://podcasts.apple.com/us/podcast/wise-up-with-your-money/id1566900405?uo=4

Spotify: https://open.spotify.com/show/46wwGJNRdPggkY2KLO3Ekh

My Website: https://www.familywisefinancialcoach.com/wiseupwithyourmoney