Elevate Your Pay Check

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!Links mentioned:Simply Paid OffJoin the The Financial Moment community on:InstagramFacebook WebsiteEmail: info@thefinancialmoment.comGrab this FREE guide with 10 easy tips to keep your budget on track!Submit guest suggestions HERE

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.comMost 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. Here is the link to  register: https://bit.ly/3SoQxDL 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/SimplypaidoffFinally here is the link to the Canadian Government's FREE budgeting tool. Join the The Financial Moment community on:InstagramFacebook WebsiteEmail: info@thefinancialmoment.comGrab this FREE guide with 10 easy tips to keep your budget on track!Submit guest suggestions HERE

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!Register Now for upcoming Masterclass: The 4 Most Effective Strategies for Boosting Your Credit Score.Join the The Financial Moment community on:InstagramFacebook WebsiteEmail: info@thefinancialmoment.comGrab this FREE guide with 10 easy tips to keep your budget on track!Submit guest suggestions HERE

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 HomePractical Financial Lessons:Parental Role ModelingGoal Setting and PlanningOpen Money DiscussionsResources 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. Links mentioned:Budgeting Tips GuideEliminating Debt GuideJoin the The Financial Moment community on:InstagramFacebook WebsiteEmail: info@thefinancialmoment.comGrab this FREE guide with 10 easy tips to keep your budget on track!Submit guest suggestions HERE

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. Links mentioned:2024 Planning Toolkit Join the The Financial Moment community on:InstagramFacebook WebsiteEmail: info@thefinancialmoment.comGrab this FREE guide with 10 easy tips to keep your budget on track!Submit guest suggestions HERE

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.Rate, Review, & Follow on Apple Podcasts"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:InstagramFacebook WebsiteEmail: info@thefinancialmoment.comGrab this FREE guide with 10 easy tips to keep your budget on track!Submit guest suggestions HERE

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 safeJoin the The Financial Moment community on:InstagramFacebook WebsiteEmail: info@thefinancialmoment.comGrab this FREE guide with 10 easy tips to keep your budget on track!Submit guest suggestions HERE

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:InstagramFacebook WebsiteEmail: info@thefinancialmoment.comGrab this FREE guide with 10 easy tips to keep your budget on track!Submit guest suggestions HERE

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:InstagramFacebook WebsiteEmail: info@thefinancialmoment.comGrab this FREE guide with 10 easy tips to keep your budget on track!Submit guest suggestions HERE

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:InstagramFacebook WebsiteEmail: info@thefinancialmoment.comGrab this FREE guide with 10 easy tips to keep your budget on track!Submit guest suggestions HERE

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.Join my new course"Simply Paid Off: Your Guide to Becoming Debt Free"Discounted price for VIP access end on November 23, 2023.Join the The Financial Moment community on:InstagramFacebook WebsiteEmail: info@thefinancialmoment.comGrab this FREE guide with 10 easy tips to keep your budget on track!Submit guest suggestions HERE

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 - VIPDownload the FREE Slash your Credit Card Debt Guide.Join the The Financial Moment community on:InstagramFacebook WebsiteEmail: info@thefinancialmoment.comGrab this FREE guide with 10 easy tips to keep your budget on track!Submit guest suggestions HERE

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. Download guideFinally, 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:InstagramFacebook WebsiteEmail: info@thefinancialmoment.comGrab this FREE guide with 10 easy tips to keep your budget on track!Submit guest suggestions HERE

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!Links mentioned: Episode 27 - How I set up my banking for successBudgeting GuideJoin the The Financial Moment community on:InstagramFacebook WebsiteEmail: info@thefinancialmoment.comGrab this FREE guide with 10 easy tips to keep your budget on track!Submit guest suggestions HERE

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. To make this easier, I've put together a free guide just for you with 10 essential tips. Download it at https://thefinancialmoment.com/budget-tips/ . 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:InstagramFacebook WebsiteEmail: info@thefinancialmoment.comGrab this FREE guide with 10 easy tips to keep your budget on track!Submit guest suggestions HERE

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:InstagramFacebook WebsiteEmail: info@thefinancialmoment.comGrab this FREE guide with 10 easy tips to keep your budget on track!Submit guest suggestions HERE

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:InstagramFacebook WebsiteEmail: info@thefinancialmoment.comGrab this FREE guide with 10 easy tips to keep your budget on track!Submit guest suggestions HERE

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.Links mentioned:30 Day Fall Money Tune UpFP Canada Stress Index 2023Join the The Financial Moment community on:InstagramFacebook WebsiteEmail: info@thefinancialmoment.comGrab this FREE guide with 10 easy tips to keep your budget on track!Submit guest suggestions HERE

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!Links mentioned:https://thefinancialmoment.com/falltuneupJoin the The Financial Moment community on:InstagramFacebook WebsiteEmail: info@thefinancialmoment.comGrab this FREE guide with 10 easy tips to keep your budget on track!Submit guest suggestions HERE

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.Links mentioned:https://thefinancialmoment.com/falltuneupJoin the The Financial Moment community on:InstagramFacebook WebsiteEmail: info@thefinancialmoment.comGrab this FREE guide with 10 easy tips to keep your budget on track!Submit guest suggestions HERE