Dive into the complete episode list for Elevate Your Pay Check. Each episode is cataloged with detailed descriptions, making it easy to find and explore specific topics. Keep track of all episodes from your favorite podcast and never miss a moment of insightful content.
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Pub. Date
Title
Duration
12 Sep 2022
Trailer "Saving For Your First Home"
00:01:41
Welcome to the "Saving for Your First Home" Podcast. For the most of us, there comes a point in time where we think to ourselves, it would be really nice to own property, but it sometimes can feel like a pipe dream. This podcast will give you all the information and tools you need to take the steps forward toward home ownership. If you don't know where to start your in the right place.
Visit us at https://thefinancialmoment.com for more info!
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
Let's explore our habits surrounding money. Everyone has a different personality when it comes to money, and our personality dictates our relationship with money. In this episode find out your personality. Could you be a:
· Spender
· Saver
· Money Maker
· Worrier
Not one of these personalities are right or wrong, and we may be a combination of any of them. However, identifying who you are helps to recognize certain behaviors and patterns when it comes to managing our finances.
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
"If you don't know where you come from, you truly don't know where you're going" ~ Maya Angelo
This episode works through an exercise on how to identify your current spending habits. If completed, you will know exactly what your current priorities are, and if they align with your goal to purchase a home. It’s vital to recognize these trends, so you can prioritize your money.
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
What is the difference between a resolution, aspiration, and a goal? Sometimes it's hard to tell the difference. This episode will teach you how to create goals that are obtainable. This strategy will set up a plan to make your first home purchase, instead of hoping and crossing your fingers. We are going to use this acronym to make it happen. Let’s create a goal that is SMART!
How exactly do you prepare for the unexpected? In this episode you will learn how to save for a rainy day. The number one reason people fall off their savings goals is because they haven’t created a safety net to deal with unforeseen expenses. Preparation is the key to success.
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
For most people Budget = Boring Life. I completely understand where they are coming from. Budgets have been marketed as restrictive tools that take the fun out of life. This episode will prove that this just isn’t true. We are going to walk through four different types of budgets. Then you can decide which works for you and fits your lifestyle and goals. I would like to call a budget your strategic plan that gets you from A to B. Remember we want you to put the new keys to your home in your hands as fast as possible!
As a BONUS for listening! Head to: https://thefinancialmoment.com/budget-tips and download your free guide that is filled with tips to help keep you on track with your budget.
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
Perception vs Reality. Oftentimes we think we are doing a good job managing our finances, but we aren’t getting any closer to our goals. It’s great to have a system in place, but if you don’t have a way to monitor its hard to gauge the progress. In this episode we discuss how important tracking is. We have also developed a tool that is going to make the process super easy.
Every wonder why the average household has $5,000-$10,000 of consumers debt, when there are a million financial apps, tools, and software out there? It is hard to stay motivated! You know all the right things to do, but it is so difficult to stay on track. This is where a coach can boost your progress to the next level. This episode provides 12 ways that a coach can get you to the end goal. We can be that motivator to move you closer to owning your first property and build a future for your family. When you’ve finished listening to this episode, contact us for more information.
I am excited to share with you a conversation that I was a part of last week. Amanda Fludd the host of the Mindset & Motivation Community hosted a Back on Track Bootcamp, and asked me to be a part of it We addressed how to identify if we are off track with our finances , and what we can do to prevent it. It was a great conversation, and I wanted all of you to have the opportunity to listen in.
Follow Amanda on: Instagram: @amanda.fludd Mindset & Motivation Community: https://bit.ly/3C62aHO
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
Paycheck to Paycheck, it can seem like a never-ending vicious cycle. The key to escape is planning. In this episode we discuss:
· Recognize whether dollars remain after budgeted items are taken care of
· Identifying nonessential spending
· The importance of tracking expenses
There is even an easy exercise to teach you how to create your own personal cash flow statement. A tool that is essential to begin the allocation of funds for a down payment.
As mentioned in the episode here is a tool that can be used to track, visualize your progress, and plan. We are committed to your success!
#11: Save or Invest? Rent or Buy? Questions Answered!
00:09:36
This episode is a Q&A session of two of our most frequently asked questions! You are not going to want to miss this one!
1. How much do I need to save to buy a property? 2. Should I rent or purchase a home?
I started out exactly where you are, with BIG dreams and little information. So, if your curious but a little unsure of where to start this episode is going to be the perfect resource for you.
Join us as we tackle these questions today!
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
In today's episode we dig into the BNPL (Buy Now Pay Later) trend. It sounds good? Doesn't it? Who wouldn't want to purchase and item for a fraction of the price, and worry about the rest later.
This trend is not new, but this variation has a new twist. Listen to this episode as we uncover if this is detrimental to our budget and our financial goals.
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
Debt... The subject that no one wants to talk about, but has the largest impact on our financial position, and mental well-being . Debt is a very debatable subject, but at the end of the day in order to obtain our financial goals, we have to be free of consumer debt. But, how do we accomplish that? This episode we go through several strategies to tackle debt, and improve your financial health. Reference 04:00 - The importance of budgeting 05:00 - The importance of goal setting 05:16 - Understanding your credit score 07:00 - Strategies to paying off debt 12:00 - Allocating for Emergencies 14:30 - Looking at Fixed expenses 15:44 - Seeking help
There is so much jam packed into this episode. Now for the essentials that will make life so much easier! Tracking tool - Budgeting tool developed to give you all the analytics needed! Debt Busting Tool - Perfect way to track your debt
Getting a grip on managing your debt and finances will only expedite your plans to buy your first home. Take action by listening to this episode.
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
To celebrate Financial Literacy Month, we invited Vianna Danaylchuk to share her money story, and her passion of helping parents teach their kids to budget.
Vianna is a Chartered Professional Accountant in Canada and founder of The Kids Can Budget - Parents Academy. Vianna provides tips and inspiration to help parents start teaching their kids about money management from a very young age.
Tune in to hear her personal story on how she saved for her home, and lessons for parents of young children.
We discussed:
How she saved for her down payment
How she made saving a priority
Misconceptions about money that we transfer from our parents to our children
This week episode was broadcast Live on Instagram.
We discussed: * How to allocate positive cash flow * The importance of an emergency fund * How to handle rising interest rates * What is better.. using Credit or Debit cards * What is the best way to pay down debt? * How to determine what the best budget is for you
So much jammed pack into this episode.
Remember to submit any questions you have, and follow us on Instagram as weekly will be broadcasting the Q&A episodes.
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
In today's short episode. We are reviewing an opinion article from the Globe and Mail (a Toronto News Outlet).
The function of a HELOC (Home Equity Line of Credit) has changed over the years, and now with rising interest rates, we may need to re-think how they are used.
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
At this time of year, it's hard not to get caught up in the holiday shopping. But if we are to stop and reflect. Do we need to spend to give?
In this episode, we discuss how spending make us feel. We consider how to incorporate a little more giving this season, so we can make room for our bigger larger goals.
As a bonus I am gifting you a tool that is going to keep on track with your budget!
You don't want to miss this episode! What a conversation... Imagine everything you dreamt about becoming a reality!
In today's episode we talk with Ryan Crain author of "Gravel Roads". Listen to his personal experience of traveling the world in 365 days!!!
A mission that large comes with ALOT of planning and resources, so there are some GREAT takeaways that we can use and implement in our own financial path.
Wow... we are at the end of 2022! Where did the time go?
In this episode, we take a look back and dive into what we did wrong and what went well. It's important to reflect on the past in order to move forward.
Come with us on our journey, and see a sneak peak of what is in store in 2023.
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
What better way to avoid pitfalls and mistakes is listen to the experiences of others. In this episode we have a great conversation with Darnell Brown, an educator and growth strategist for creative entrepreneurs. He has an interesting story about his home ownership process, and shares some valuable takeaways.
Then of course we had to pick his brain about:
How to focus on your goals and avoid distractions
Re-shifting our priorities
Reasons for seeking coaching and working with others
How to align our goals
Practical techniques that we can use in the New Year to "keep it real" with yourself
So much jammed pack into this conversation. We know you will enjoy this one!
For the final episode of 2022, I am sharing the exact step by step process we took to save for our first home.
It wasn't an easy journey. It was filled with determination, discipline, and some out of the box thinking to get us there, but we got there, and so can you!
But of course we are going to give you a jump start to your savings journey. The Financial Moment is launching a 21 day Savings Challenge!!
Click here to sign up and be a part of this exciting 21 day journey filled with prizes, resources and tools to start of 2023 with money in your pocket!!
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
In today's episode we walk through 4 Tips to help prepare you for a recession. It's really not a fun subject as we have been faced with high inflation, and rising interest rates. So how do we prepare? Here are 4 tips ways to ensure your finances are in the best possible position. 1. Get rid of all credit card debt 2. Create a solid savings plan 3. Increase your income 4. Monitor your investments and invest when prices are low
A great way to start is to join our FREE webinar on Jan 17th @ 7pm EST. Register early as spots will fill up fast!
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
#23: Clifton Corbin's Essential Advice for a First Time Home Buyer
00:22:54
Clifton Corbin is a financial expert and author of the book "Your Kids Their Money" and responsible for the revised version of "The Richest Man in Babylon".
The interview was filled with such useful advice! We talked about his personal history with credit, and his own path to home ownership.
You learn first hand:
How to exercise discipline when it comes to credit card use.
His method for saving for a down payment
How to allocate your savings to satisfying your goals
The importance of investing early
If you are thinking of buying your first home then you need to listen to this thought provoking episode!
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
#24: Interest: Why am I paying so much in interest?
00:17:42
In this episode, we are going to walk you through what interest is and how (more importantly) it impacts you.
We discuss:
Simple Interest
Compound Interest
Variable Interest
Fixed Interest
and what the Annual Interest Rate (APR) is.
Interest can cost us thousands of dollars, and is very sneaky. It is not advertised in lights or BOLD print. It is buried in the fine print because if you knew how much you would be paying, that would be the biggest deterrent for the purchase!
Listen in on this lesson. I hope it will save you thousands of dollars!
Starting a side hustle can seem overwhelming on first thought. Like who wants a second job? But, having a side hustle can be so much more than a job that brings in an income. It can be rewarding, fulfilling, and income generating. And don't we all want a little more in our pockets?
In today's episode we talk about 10 great reasons to start a side hustle.
Increase your financial security
Get more flexibility
Start a passion project
Build up your portfolio and develop your skills
Change your career path
Utilize your free time
Get creative
Build Confidence and Initiative
Meet new people
Help others
So many benefits, along with the fact that the money can be used to get you closer to your goals! How awesome is that!
If you are unsure where to start? Join our savings challenge and register. It is going to be 7 days that will change your personal financial situation, and put you on track to hit your goals this year!
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
Does your money work for you? Or do you feel overwhelmed with it all?
In today's episode, I am going to walk you through how to set up your banking so your money does the work and not you! It's important to understand the specific characteristics of a savings account, so we talk about the fundamentals, and differences between institutions.
Then we walk through why you are going to need 7+ accounts to maximize your money, your time and facilitate your goals.
Its a jammed packed episode so be sure to share this one with a friend!
Don't forget to sign up for our savings challenge! Why not get some additional help to make this year the best yet! Hope to see you there!
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
#28: Drive and Determination: Lessons from my Black History
00:14:02
This is a special episode in so many ways! We are celebrating of Black History with an interview with my own Mother! Listen to the drive and determination she had to pursue her dreams and forge the path for the next generation.
If you are ready to make change to your financial situation, and missed out on the Savings Challenge. I have created a 7-step PDF guidebook that will walk you through fundamental lessons with easy to implement exercises.
Every wonder why you do the things that you do? In this week's episode, we are going to exam the past to provide some clues as to what shapes our financial decisions. We will go through my "money story" and look at how my past experiences with spending, saving and borrowing had an impact on my current behaviour.
I encourage you to complete this exercise with yourself. When we know how behaviours were establish we can do the work to change them.
Book mentioned: Atomic Habits by James Clear
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
What a privilege we have in dedicating a day to all the women around the world that are the support system to their families, and the people that they love!
In this week's episode, we focus on how women are a "little" different then men when it comes to our finances. Here are a few reasons why it hit's us a little different.
Wage gap
Lack of Financial Confidence
Longer Life Spans
Caregiving Responsibilities
Divorce
But the story doesn't end there. We can overcome these obstacles and strive and succeed. Share this episode with a special woman in your life. Let's start the conversation on how we can create a bright financial future.
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
#31: Buying a pre-construction home... the pros and cons
00:14:23
When the housing market feels like a roller coaster ride. What is a first time buyer to do amongst the high interest rates, and high prices? One option is to look into purchasing a pre-construction home.
In today's episode we are going to discuss the pros and cons of buying a pre-construction home, and talk a little about creative ways to get into your first home dispite the current barriers.
Share this episode with a family member or friend (or possibly a co-owner)!
Why is money such a HOT topic? It can have a real impact on our personal relationships. Today we undercover a few reasons, and address how we can manage these situations.
Financial success needs to be shared with your partner in life. Therefore, we need to get to know more about their relationship with money, make some compromises, and have common goals.
Leave us a review if you are enjoying this podcast, and feel free to reach out to me on Instagram or Facebook. Or even send me an email we would love to hear your feedback and be of any assistance.
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
As a money coach, I receive a lot of questions about managing money. So, I thought I would gather some of the most common questions and answer them here on the Podcast. I hope you find this episode informative and useful.
Questions: 1. How do you prepare for the unexpected things that come up? 2. How do I prioritize my money so that I can do the things that I want to do? 3. How much should I budget for investments or saving? 4. How do I go about tracking my money?
If you need help putting a plan together. Send me an email or reach out on Instagram or Facebook. We have a 6 week program that will help you set up your goals for success, create a strategic plan, tackle any debt, and create a system that is customized and easy to follow.
This is a jam packed episode! With interest rates climbing, inflation rising and the overall cost of living increasing. Being mindful and spending with intention is essential to successful money management. In this episode we discuss 10 ways to keep you more aware, and ultimately put more money back in your pocket.
Be sure to download our FREE money journal that walks you through 10 days, with prompts to get you thinking about being mindful with your money.
#35: Mindful Spending Part Two: Changing your daily habits
00:17:41
Mindful Spending was such a HOT topic we decided to extend it into another episode! Today we focus in on how to change your daily habits, and encourage mindful spending. In this episode we examine the practices that will lead us closer to our financial goals.
Make sure to bring a notebook for this one. We reference several other podcast episodes that dive deeper into these important strategies.
Finally, we give you valuable resources to make it happen. If you love this series give us a review or send me a DM on Instagram. We would love to hear your feedback.
You've done the work, made some changes, and now what? How do you know if the work that you have put in is going to make an impact on your bottom line.
In today's episode, we discuss two measuring tools that you can use at any point to determine your money status. These are vital if your a considering purchasing a home, or determining if you are on target to reach any other financial goal.
Don't forget to grab a copy of our FREE Money Journal. This will walk you through a 10 days worth of prompts to really get you thinking about mindful spending in your life.
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
I know, this may not apply to EVERYONE... But, for the fortunate ones that will be receiving a tax return this episode is for you!
We discuss an easy way to prioritize your goals, and allocate your money so that it has the biggest impact.
Links mentioned: For Mental Health Awareness Week (May 1-7th). Download the Money Journal. It walks you through 10 questions about how and why you spend money. The number one cause of stress is Money, so be proactive and discover more about yourself and your money relationship.
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
Happy early Mother's Day!! In this episode we celebrate everything our Mother's (and Mother type figures) have contributed our lives.
They influence every aspect of our lives including our financial decisions. So, it is important to reflect on your where your money beliefs are formed including the good and the bad.
Then as we head into motherhood and become caregivers for our children and our aging parents. We discuss how to manage when we are in the "sandwich generation"?
So, as we head into a weekend of celebration, reflect and plan for how the impact of motherhood affects your financial situation.
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
39: I'm just not feeling it! How to keep motivated? 🤷🏽♀️
00:17:59
In this episode of the "Saving for Your First Home" podcast, we discuss strategies to stay motivated when faced with challenges and lack of motivation. We review an article from the Harvard Business Review that offers strategies for self-motivation.
Design enjoyable goals instead of seeing them as chores.
Focus on the bigger picture by visually tracking your progress and celebrating milestones.
Surround yourself with positive and motivational content to boost your own motivation.
Share your knowledge and advice with others to reinforce your commitment to your goals.
Use tactical methods such as the "two-minute rule," making goals visible, habit stacking, and incorporating positive reinforcement.
Remember, staying motivated is essential for achieving success in your goals. By applying these strategies and finding a supportive community, you can maintain motivation even if you're just not "feeling it".
For information on the "More" Group Coaching program. Send us an email or DM More on Instagram and we will give you all of the details!
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
Today we dive into the challenges of making big financial decisions. We chat about how to navigate through an overwhelming process by considering factors like financial stability, family obligations, goals, risk tolerance, and work-life balance.
We also touch on how to recover from making the wrong decisions, (you know we have all been there) and strategies to avoid decision fatigue.
So, jump in and get ready to make informed decisions for your financial goals!
Strategies discussed:
Achieving a healthy work-life balance
Seeking guidance from mentors and experts
Aligning your decisions align with your personal values and priorities
Continuously educating yourself to improve your decision-making skills
Tackling decision fatigue.
Proactive decision-making contributes to financial stability, personal fulfillment. And most importantly, the achievement of your long-term goals.
Let us know if this episode has helped to remove the stress and build confidence when making those tough choices!
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
41: Are grocery store prices making you shed a tear ?
00:16:15
In today's episode, we tackle those crazy prices at the grocery stores. We discuss effective ways to stretch your dollar and maximize your savings. The key tips covered include:
Plan meals and create a shopping list to avoid impulsive purchases and reduce waste.
Compare prices of similar products and consider store or generic brands.
Purchasing non-perishable items in bulk, but be mindful of storage and expiration dates.
Taking advantage of sales, discounts, and digital coupons to save money.
Opt for seasonal produce, as it is often fresher and more affordable.
Utilize frozen and canned goods, which are cost-effective and have a longer shelf life.
Minimize purchases of pre-packaged and processed foods to save money and prioritize healthier options.
Reduce waste by buying only what you need, properly storing perishables, and using leftovers effectively.
Implementing these strategies will help you make the most out of your grocery shopping trips and stretch your budget further.
Share some of your money saving tips that you use at the grocery store by commenting on Instagram, or by sending an email. We gotta help each other!
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
42: Maximize Your Vacation Fun Without Sacrificing Savings
00:18:18
Ready to plan your next getaway without sacrificing your savings?
Discover how to budget and save without compromising your vacation experience! We'll guide you through flipping the script and starting with your budget before settling on a destination, as well as the essential line items to consider and some valuable resources to help you plan.
Join us as we dive into smart effective ways to save on accommodations, transportation, dining, and activities during your vacation.
We'll share industry secrets on booking in advance, making the most of off-peak seasons, and finding budget-friendly alternatives to city center stays. Plus, we'll explore how eating at local markets and food stalls can provide affordable, delicious meals, and reveal how to take advantage of free attractions, city passes, and affordable self-guided tours to optimize your vacation experience.
Don't miss this episode filled with insider tips for enjoying your dream vacation without jeopardizing your savings goals!
43: Can it be done? Interview with a First Time Home Buyer
00:20:48
What if you could develop a disciplined money mindset that allows you to break free from financial instability and create generational wealth? Our guest, Cinzia, shares her inspiring journey of starting young. Cracking the code to financial independence, and buying her first home at just 29. Discover how her upbringing taught her the value of earning and saving money, and how she leveraged various resources to achieve her financial dreams.
In this motivational episode, we dive into Cinzia's investment and home buying strategies, including how she utilized insurance, TFSA, RSP, and other resources to purchase her first home.
Learn from her experiences of seeking advice from the right people and developing the grit and determination needed to reach her goals. Join us as we explore the power of taking consistent action and how you too can work towards achieving your own financial dreams.
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
44: Smart Summer Budgeting: Have a Blast without Breaking the Bank
00:11:04
Summer is finally here, and it's time to make the most of it without breaking the bank! I'm sharing my top tips for creating a summer budget that allows for spontaneity without sacrificing your financial goals. From planning trips and activities to finding cost-effective ways to relax and unwind, I've got you covered.
Join me as I break down the process of creating a summer budget step-by-step, from reviewing your calendar and planning for events to ensuring you have enough money allocated for all your summer plans.
If you have missed episode 42, I share more great suggestions on how to maximize your travel fun without sacrificing your savings.
Let's make this summer one to remember while staying on track with our financial goals!
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
As my daughter embarks on a new chapter of her life, I find myself reflecting on the important lessons I want to share with her. Surprisingly, I've realized these nuggets of wisdom are not just applicable to life changes, but also to our financial journeys.
Join me, as we explore how to leverage opportunities for growth and change that come with new beginnings, the value of setting realistic goals, and the importance of embracing change with an open mind. We'll also discuss how we can learn from our past and reaching out for support when we need it.
Whether you're just starting off, considering a fresh start, or adjusting to a significant life change, this episode is packed with actionable insights to guide you. Together, we'll navigate these new financial landscapes and transitions, and remember, as your money coach, my goal is to support and guide you every step of the way. So, let's embark on this journey together.
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
46: Understanding and Reshaping Your Financial Behaviour
00:11:04
Imagine a world where your every financial decision is not a knee-jerk emotional reaction, but a calculated step towards a secure future. What if you could understand the psychological reasons behind your spending and saving habits?
This episode of the Saving for Your First Home podcast peels back the layers of our financial behaviors, exploring how emotions, upbringing, social influence, and financial literacy shape our spending and saving patterns. We dig into how our emotional states, the influence of our parents, the pressure of social media all impact our financial decisions.
Want to make a change? Then we explore how a journey of self-reflection, will help you identify and improve your financial habits.
Step into this enlightening episode and let's reshape your financial behaviour together.
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
47: Navigating Your First Home Purchase with Talia Thomas
00:25:48
Get ready to understand the complex world of real estate, especially for first-time buyers, as we welcome Talia Thomas, a rising star among Toronto realtors. Promising to provide not just knowledge, but guidance and clarity, this episode is packed with practical advice for the aspirational homeowner. Talia gives her take on the current state of the GTA real estate market and offers a roadmap for those looking to make their first purchase. The episode starts off by stressing the value of financial readiness and the role of a well-planned budget, with Talia sharing her insights on these critical first steps.
Sounds daunting? I've got you! The episode also covers several government incentives like the Home Buyers' Plan and the First Time Home Buyers Incentive to help soften the financial blow. Talia opens up about the most affordable housing options across Ontario and suggests smaller cities as potential alternatives. More than just buying a house, it’s about achieving your financial goals and Talia shares her wisdom on setting these goals and the importance of a solid plan to realize them.
Ready to turn your homeownership dream into a reality? Tune in and let's get started!
48: Navigating Your First Home Purchase (Part Two) with Talia Thomas
00:17:16
In this episode of the podcast we continue our in-depth conversation with Talia Thomas, an upcoming realtor in the GTA. She helps to unravel the intricate process of home buying. We'll take you through the financial implications beyond the standard down payment, and enlighten you about those hidden costs like closing costs, home inspection fees, and appraisal fees that may catch you off guard. Talia, with her refreshing take on the real estate market, emphasizes the significance of maintaining a good credit score and how spending habits can influence your home buying process.
Although home buying involves managing finances, it's also about finding the right place that corresponds with your needs and that best fits into your budget. We'll guide you on how to evaluate homes and work with agents to make this overwhelming process a so much simpler. Most importantly, we'll share some practical tips on how to balance your needs and wants with your budget, and how realtors can help you navigate through this mammoth task. So, get ready to arm yourself with all the necessary knowledge to make confident strides towards home ownership.
Ever feel overwhelmed by the financial realities of adulthood? Student loan debt, unemployment, and credit card woes can all seem like insurmountable challenges. But what if I told you there's a way to navigate these financial hurdles? In this episode we dissect these financial challenges and give you a roadmap to overcome them.
We'll talk about the real truths about student debt and explore repayment options. Show you how to not just survive, but thrive, even when faced with unemployment. We’ll also expose the realities of health coverage, helping you manage medical expenses, and unravel the intricacies of credit card debt. Plus, we'll delve into making informed decisions on renting versus buying a home, tackling financial windfalls, and guarding your personal information.
It's not just about overcoming these financial hurdles; it's about taking control and building a strong foundation for your financial future. So, are you ready to conquer your financial challenges? Tune in, and let's journey towards financial freedom together.
Struggling with financial strain is something many Canadians can relate to. Recently, there have been many trending videos on TikTok showing the despair Canadians feel about the current conditions in Canada. This week, we're stepping into their shoes and exploring how to navigate through the current economic struggles within our country.
Then we lay down practical steps with our 'fall tune up' strategy. We will begin to understand why adapting to and adjusting is key to reaching our financial goals. Stay tuned for an engaging dialogue filled with actionable advice, oriented to transform your financial roadmap.
51: Fall Financial Tune-Up: Managing Seasonal Spending and Overcoming Money Pitfalls
00:20:03
One of the rules that my Mom had growing up was not to turn the heat on until November 1st - a unique practice I've carried over into my home every fall. (One that my family doesn't quite appreciate 🥶). This episode unravels a few more realistic tricks, tips, and strategies using a fall financial tune-up. From back-to-school expenses to holiday shopping, this season can be a spending trap. But don't worry, together we'll sail through the sea of seasonal spending, armed with savvy financial strategies.
I'm sure you've found yourself lured by shiny new toys or swiping your card for those irresistible Black Friday deals? You're not alone. We all have our financial pitfalls. This episode is your opportunity to identify and overcome them. Whether you're struggling with procrastination, forgetting to save for emergencies, or considering investing – we discuss it all. Let's get ready for fall and kickstart the season with our to-do list from thefinancialmoment.com/falltuneup. Let's face the season of spending with financial wisdom and preparedness!
52: Honestly... Do You Want Financial Independance?
00:26:31
What if there was a way to live your life uninhibitedly, freed from financial stress?
Join me, your personal money coach, as I unravel the intriguing concepts of financial independence and the FIRE movement. Reflecting on my 25th wedding anniversary getaway, I delve into how the principles of financial independence can grant you the liberty to live life on your own terms, without the constraints of money. From a look at the Financial Stress Index to the escalating grocery costs, we'll scrutinize how these financial pressures weigh on Canadians, and I'll offer my nuggets of wisdom on crafting a life of freedom and self-reliance.
53: Conquering Your Financial Fears: Strategies for Empowered Decision-Making
00:21:12
Imagine a life where fear no longer dictates your financial decisions. That's exactly what we're uncovering in this episode. We're confronting those fears that keep you on the sidelines of your financial growth - fear of lost money, lack of knowledge, peer pressure, and the terror of making potentially costly mistakes. Drawing from personal experiences, we'll break down these barriers and share powerful strategies to face them head-on, allowing you to take control of your financial future.
To further empower you to make financial decisions., we discuss the value of expert guidance and the importance of embracing errors as essential parts of your financial journey. You'll find surprising parallels between competitive sports and financial planning, revealing how you can push yourself to achieve more. We'll take on the phenomenon of analysis paralysis and underscore the need to focus on your unique financial conditions. This episode tops off with the crucial components of financial decision-making and learning - from goal setting to the advantage of having a financial buddy. In this empowering discussion, we take charge of our financial destiny, one decision at a time.
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
Ever wondered why your credit history matters more than you think, especially when applying for a mortgage? Siobhan Bent, a seasoned mortgage broker, is here to take the complex world of credit scores and interest rates and make them simple. Siobhan brings over twenty years of industry knowledge to our chat, and you'll definitely want to hear her take on how banks, employers, and insurers utilize credit scores. She'll also share her savvy tips on building and maintaining a robust credit history.
Shifting gears, we dive into the nitty-gritty of home buying and financing options. First-time homebuyers, listen up! Siobhan guides us through some appealing financing options you might not even know about, including the First Home Savings Account and the Shared Equity Program. Hear her explanation of the 5% down payment rule and the 20% minimum down payment for million-dollar properties. And for those considering investment properties, Siobhan's insight on managing cash flow is invaluable. Finally, we'll share some outside-the-box strategies to protect and enhance your credit score. So, grab a notepad, and tune in for an episode packed with practical tips and actionable advice to secure your financial future.
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
I promise that in today's episode, we're going to help you make sense of financial turbulence that follows traumatic life events. We all know how quickly life can throw curveballs our way, like a natural disaster, a job loss, a divorce or even the loss of a loved one. These unexpected moments can leave us feeling helpless and emotionally battered, not to mention financially strained. Let me walk you through the steps to regain control, and find your financial footing once again, using the right tools and resources.
To do that we dive into defensive strategies to survive financially post-trauma. And of course, understanding your new financial landscape: your expenses, your income, and how to balance them in a budget plays a vital role.
And let's not forget about credit recovery and dealing with debt, as these can take a serious hit during a traumatic event. So join us, and let's take that first step towards financial recovery together.
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
56: Turning Money Mistakes into Money-Saving Lessons
00:21:33
Ever had that feeling when you realize you've made a financial blunder? Well, you're not alone. I once impulsively signed up for a store credit card for a tempting discount, only to be sideswiped by the interest on my bill. Hear the story and the lessons I learned about setting clear financial priorities and understanding the implications of credit cards. And how I later applied this lesson in a similar scenario but this time with a much wiser strategy.
We all have our share of money-related missteps, but the trick is to turn them into lessons and prevent future mistakes. Follow me on a journey as I expose my financial mishaps, from signing up for store credit cards without understanding the impact, to buying my first car at an auction without seeking advice. Through trials, errors, and bit of hilarity, I've learned the importance of avoiding bad money choices, budgeting, and setting goals for financial health.
Join me and let's grow wiser together from our financial mishaps!
Are you feeling trapped beneath the weight of debt? We will walk through the emotional rollercoaster that debt often brings, including the worry, guilt, and shame. Join me as we dissect the effects of life's curveballs on our financial health, from personal money mistakes to unpredictable events such as job loss or health crises.
Discover effective strategies to combat debt with our comprehensive guide detailing ten methods to become debt-free. Set reminders for my detailed walkthrough of the guide on Instagram live sessions from November 10th to 15th.
Finally, listen to inspiring real-life stories of individuals who've successfully weathered financial storms, offering a beacon of hope. This is a conversation you don't want to miss, as we empower you to break free from the shackles of debt and pave your way towards financial stability!
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
58: Your Financial Freedom Awaits: A Proven Framework To Your Financial Goals
00:17:45
Imagine stepping into your dream home, a space you can call your own, free from the constraints of rent. Yes, that's right, homeownership is within your reach, and I'm here to guide you. Gain insights from my unique framework, REDUCE (Realize, Educate, Demonstrate, Undo, Collaborate, and Execute), which is designed to help you reduce debt and establish a strong financial foundation before leaping into homeownership.
What if you had a proven plan to undo financial damage and build sustainable wealth? Well, you're in luck! On this episode, we zoom in on the pivotal role of a realistic budget, a strategic debt repayment plan, and a tactical savings plan in achieving your financial goals. You'll learn why teaming up with financial experts (like money coaches 😊) can be a game-changer. Even more, I reveal my comprehensive digital course, Simply Paid Off, created to propel you on your journey to debt freedom. As a special treat, there's a sweet Black Friday deal awaiting you!. So, are you ready to claim your financial freedom and make strides towards your dream home? Listen in and let's make that dream a reality!
Claim your VIP access to the Simply Paid Off Digital Course. With early with pre Black Friday Pricing. Click below 👇🏽 Simply Paid Off - VIP
59: Your Money Coach's Guide to Black Friday and Holiday Spending
00:19:18
Are you ready to conquer the holiday season without busting your budget, and start the new year right? I'm Carolyn, your Money Coach, and I'll guide you through navigating the tricky waters of Black Friday shopping. This episode is packed with practical advice on how to prepare for the onslaught of discounts and sales during the holiday season. We discuss how to create a shopping list to keep you on track, and avoid common pitfalls such as 'buy now, pay later' schemes and online scams.
As we shift our focus to the future and 2024, we explore how you can achieve financial freedom, which is a top priority for many of our listeners. I'll share my insights on creating a budget, and how to avoid the common overspending associated with the festive season. Plus, we have a special course that promises to help you get rid of debt and achieve financial freedom. So let's start the journey towards homeownership together, and remember, small steps can lead to great strides in your financial wellness.
60: Brandy Williams Harrington's Guide to Real Estate Investing
00:31:36
Curious about how real estate can grow your wealth? Get ready to have all your questions answered as we chat with Brandy Williams Harrington, a seasoned broker and investor with an impressive 15-year stint in the real estate industry. Her insights into different types of real estate investment - from residential properties to Airbnb rentals - are a goldmine for those eager to diversify their investment portfolio. With real estate promising better returns compared to traditional methods, there's a lot to gain from understanding the nitty-gritty of property investments.
Our conversation doesn't stop at that. We also delve into managing personal income in real estate investing and the steps you can take to kick start your journey. Emphasizing the importance of self-education, professional guidance, and realistic expectations, we aim to equip you with the knowledge to navigate the real estate market confidently. Plus, we share effective investment strategies, discussing everything from understanding the importance of numbers, partnering with seasoned agents, to considering property management. This episode is a rich resource for anyone looking to step into the world of real estate investing. Whether you're a novice or an experienced investor, there's something for everyone.
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
61: Wrapping Up a Debt-Free Holiday: Financial Tips and Tricks
00:19:41
Ever dreamt of a holiday that doesn't leave you drowning in debt? Brace yourselves, because that's exactly what we're gifting you this Christmas! From my special series, "12 Days to a Debt-Free Christmas," you'll learn to strategize your spending, create a sinking fund, and set realistic expectations for your holiday budgets. Get ready to wrap your mind around innovative DIY gift ideas and clever ways to include those extra costs - shipping, charitable donations, and holiday treats - without breaking the bank.
But we’re not stopping at just saving your wallet. This episode is also about saving your peace of mind. Get a load of personal financial support and guidance at thefinancialmoment.com/support, because a debt-free holiday is the ultimate gift you can give yourself. Also, share these financial wellness tips with friends and family – after all, the holiday season is all about spreading love and joy.
Tune in next week for more priceless insights on controlling your finances during the holidays. It's time to jingle all the way to a debt-free holiday season!
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
Imagine celebrating the holidays debt-free, with a clear budget and without a financial hangover in the new year. Too good to be true? Not at all! This episode (the second in our series) will walk you through my favourite shopping strategies that will not only help you stick to your budget but also snag the best deals. We’ll also discuss how loyalty programs and rewards can be a game changer, and learning to see unused items as potential extra income. With these tips in your arsenal, the holiday season will be a joy, not a debt trap.
But why stop at just the holidays? As we gear up for the last few weeks of December, it’s the perfect time to reassess our financial habits. I'll help you set achievable financial goals, track spending, and prioritize expenses. Budgeting doesn't have to be a bore, and finding additional sources of income can be even easier than you think. Even better, I’ll be here to support you through my financial coaching services, helping you chart your path to financial independence. So let's seize the reins of our financial future together and work towards financial stability, starting right now.
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
63: Crafting Your Financial Strategy for 2024: A Step-by-Step Guide
00:18:06
In this episode of "Elevate Your Paycheck," we walk you through a comprehensive exercise to create a robust financial strategy for 2024. As we bid farewell to 2023, it's the perfect time for reflection and forward planning, not just for your financial goals but for your personal aspirations as well.
We begin by sharing our journey of reflection over the past year, highlighting the importance of learning from the past and planning for the future. We revisit some of the significant events of 2023, from impactful interviews to engaging webinars and personal client success stories. These reflections set the stage for a deep dive into goal setting and aligning your financial objectives with your personal life goals.
Key Highlights:
The Importance of Reflective Planning: Understand the value of looking back at your past year to inform your future goals.
Creating SMART Financial Goals: Carolyn revisits the concept of SMART goals - Specific, Measurable, Achievable, Relevant, and Time-bound - and how to apply this to your financial planning. (Revisit Episode 4 for a detailed explanation on SMART goals).
Aligning Financial and Personal Goals: Learn how to ensure that your financial goals support and are integrated with your broader life aspirations.
The Power of Why: Discover the significance of understanding the 'why' behind your goals to maintain motivation and focus.
Quarterly Goal Setting: Carolyn introduces a practical approach to goal setting by breaking down the year into manageable quarters, making it easier to track progress and stay on course.
Visual Gratification and Habit Tracking: Explore fun and effective methods like Bingo for goal tracking and the use of habit trackers for daily progress monitoring.
The Role of Accountability: Learn how having an accountability partner can significantly boost your chances of achieving your goals.
Additionally, Carolyn offers valuable toolkit, including a worksheet on SMART goals and a personal habit tracker available on thefinancialmoment.com/smartgoals.
This episode is a must-listen for anyone looking to step into 2024 with a clear, achievable financial plan. Whether you’re aiming for personal growth, financial stability, or both, Carolyn’s guidance provides a solid foundation to start your year right.
Questions for Reflection:
What were my major financial achievements in the past year?
Where did I encounter financial challenges, and what strategies helped me overcome them?
Did I stick to my budget, and were there any unexpected expenses that I can plan for in the future?
What did I learn from my spending habits, and where can I make adjustments to save more or spend wisely?
Did I make progress towards my savings goals, and how can I enhance my saving strategies?
How can I improve my financial literacy and make more informed decisions in the future?
What are my long-term financial goals, and how did my actions align with these goals in the past year?
Did I prioritize building an emergency fund, and how can I strengthen my financial safe
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
64: New Year New Routine: Your 2024 Financial Health Checkup
00:19:35
Hello! Welcome to the first episode of "Elevate Your Paycheck" for 2024, and we have an exciting start to the new year for you! This episode is filled with bites of wisdom that will set your financial game on the right path.
Today, we're taking a break from our usual budgeting and saving tips to dive into something equally crucial – understanding and managing your financial health. It's not just about numbers; it's about empowering you to make smarter financial choices!
We walk you through the ins and outs of conducting a comprehensive financial health checkup. Think of it as a routine wellness visit, but for your finances. Whether you're adjusting to a new job, a changing family dynamic, or just trying to make more informed decisions, this episode is your guide to staying financially fit.
In this episode, you'll discover:
Why knowing your net worth and reviewing your credit reports is vital.
How life changes demand adjustments in your financial plans.
Overcoming the anxiety around financial planning.
Practical steps for a thorough financial assessment.
Recognizing red flags in your finances that you shouldn't ignore.
The fun and effectiveness of "money dates" for financial review.
Tune in and get ready to elevate your financial wellness in 2024! This episode is your launchpad for achieving financial stability and growth.
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"This podcast hits home!" <– Does that resonate with you? If so, please consider rating and reviewing our show! Your feedback helps us reach and assist more listeners in navigating their financial journey. Also, let us know what you enjoyed the most about this episode!
Don't forget to follow the podcast. We're lining up some fantastic episodes, and you won't want to miss them. Follow now to elevate your journey to financial empowerment!
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
65: Cultivating a Healthy Money Mindset: Tips and Strategies
00:21:31
In this week's episode we explore the various types of money mindsets and their impact on our economic health. Financial Wellness is not merely about the numbers; it's about empowering you to embrace healthier financial habits and attitudes!
Understanding your approach to money is crucial in making empowered and effective financial decisions. We explore the mindsets that people commonly have towards money and how these perspectives can significantly influence financial behaviours.
You'll discover:
Scarcity Mindset: How a feeling of never having enough impacts spending and saving habits.
Avoidance Mindset: The tendency to ignore financial issues and how to overcome this through practical steps.
Security Mindset: Prioritizing safety and stability in financial decisions and understanding its benefits and limitations.
Status Mindset: How the desire to impress others with wealth can lead to unhealthy financial choices.
Tune in to this enlightening episode to understand how your mindset shapes your financial life. It's a crucial step in elevating your financial wellness This episode is more than just a listen; it's a journey towards transforming your relationship with money and sets the stage for financial stability and growth in 2024 and beyond.
66: Financially Fit Families: Raising Money-Wise Kids
00:19:39
In this episode, we highlight the vital role parents have in teaching financial literacy to their children due to the gap in school education. We want to create a financially aware generation so, we can't wait to share how you can be the factor in changing your child's financial future.
Key Highlights:
Financial Education at Home
Practical Financial Lessons:
Parental Role Modeling
Goal Setting and Planning
Open Money Discussions
Resources for Parents
This episode can guide you in the next steps of you and your child's financial journey. Let's shape the next generation together.
67: Personalizing Your Financial Plan: Embracing Diverse Personalities and Goals
00:19:40
QUESTION: How do you learn? Although manuals and instructions are great, what really makes you grasp a concept is experiencing it.
Whether you love the details or fly by the seat of your pants, financial planning can incorporate all spectrums of personality types, as long as your goals are aligned. In this episode, I share some of my personal and client experiences to help you understand how different personalities influence financial planning and decision-making. And how it can be a part of your personal financial plan. Finally, I discuss the importance of creating goals, PLUS, I offer a few added tips on what to incorporate to make them realistic and attainable.
Click play now – just by listening, you’re one step further on your journey toward financial freedom!
This was a super fun episode to record! We are going to jump into a Q&A session of some of the most popular questions that I get asked on a regular basis.
SO.. I am sure that one of these topics have crossed your mind at some point.
The balancing act: Saving money vs. paying off debt.
Negotiating with creditors: Can it really boost your credit score?
Good debt vs. bad debt: Understanding their impact on your credit.
Emergency funds: Your secret weapon for a healthy credit score.
Smart spending: Avoiding the debt trap with informed decisions.
Money tools: The best apps for tracking expenses and managing finances.
Life's big changes: Marriage, divorce, children, and their effect on your money and credit.
Financial literacy: Why knowing more means a better credit score.
So many great questions.. have a listen and if you have any questions of your own. Send an email to: info@thefinancialmoment.com
Most importantly, I expect to see you at the Masterclass this week if you missed yesterday's talk! I want to ensure that you are receiving all of the financial literacy possible to guide your financial future.
Did you know we are launching our FIRST digital course??? Again more ways to speed up your journey towards financial goals. Click here to enrol: https://bit.ly/Simplypaidoff
In today's episode we are diving deep into why it's time to shake things up and step out of your financial comfort zone. I'll walk you through the excitement and the possible scare of facing the unknown, and I've got some real talk about how clinging to the familiar might be holding you back. Plus, I'm sharing some personal stories and easy-to-follow tips to help you embrace change and boost your financial game. It's all about making bold moves towards growth and empowerment. Let's get this adventure started!
In this candid episode of Elevate Your Paycheck, host Carolyn gets personal as she opens up about her own financial missteps in a relatable and insightful way.
From living beyond her means to battling impulse spending and the pitfalls of avoiding a budget, Carolyn dives into the lessons learned along her journey toward financial independence.
Whether you’re struggling with lifestyle creep, making impulsive purchases, or fearing the word “budget,” this episode is packed with honest advice, actionable strategies, and encouragement.
Tune in to learn how to break free from these common money traps and start making smarter financial decisions. Plus, stay tuned for part two, where Carolyn tackles emergency planning and more!
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
In this follow-up episode of Elevate Your Paycheck, host Carolyn delves deeper into the financial missteps many of us make—this time focusing on the importance of savings and planning for emergencies. Carolyn candidly shares her own experiences, from costly car repairs that caught her off guard to the challenges of preparing for her children's education.
With practical insights into emergency funds, long-term savings, and sinking funds, this episode is filled with actionable tips for anyone looking to get a better handle on their finances. Whether you're new to saving or want to refine your approach, Carolyn’s advice will help you build a more secure financial future.
Tune in to learn how to avoid common savings mistakes and set yourself up for success. Don’t miss the wrap-up of this two-part series, as Carolyn shows you how to create financial goals that truly align with your life dreams.
Join the The Financial Moment community on: Instagram Facebook Website Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
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