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Budget Divas

Author: Jenn Trinidad

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We discuss money mindset strategies to keep you motivated and focused on your debt-free journey without sacrificing your family or your social life. In each episode, we discuss tips on how to change your mindset about money through good money habits and tactical steps. Listen in as we discuss real-life strategies to get out of debt and achieve your personal finance goals.
64 Episodes
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Ep #64: Single mothers face unique challenges when it comes to managing finances while also juggling the responsibilities of raising children and pursuing dreams. In this week's podcast, Gail Clifford provides practical guidance, insightful interviews, and actionable tips specifically tailored to the needs of single moms.Gail became a single mom after losing her husband when her daughter was just a baby. She was determined to make the most of her financial resources and create a thriving life for herself and her daughter.Gail has spent the last 30+ years as a highly-paid Internal Medicine Hospitalist for hospitals across the midwest, Arizona, and Washington State and knows the ins and outs of the pain of being a single mom and balancing a crazy personal and professional schedule. I remember when I was a single mom. It was incredibly rewarding and challenging. And when you add budget constraints to the mix, it can sometimes feel like an uphill battle.Throughout this podcast, we'll be exploring a wide range of topics, all centered around managing your finances, stretching your dollar, and finding creative solutions to everyday challenges. We'll discuss practical strategies for budgeting, saving, and investing, as well as ways to maximize your income and tap into available resources. We'll dive deep into the emotional aspects of single parenting on a budget. We'll explore self-care, mental health, and building a strong support network that understands and embraces the unique journey you're on.    Free On-Demand Mini Training: "Unveiling the Secrets: Master the Art of Mystery Shopping and Earn While You Shop!" Click here for the class: https://www.budgetdivas.com/mysterytraining.
Ep #63 I’m excited for you to listen to a webinar that I recorded two weeks ago on how to get unstuck with your finances and how to stop pinching pennies without sacrificing your social life. This was part of a 5 day summit with other coaches to help us get unstuck with money, mindset, time management, and all that stuff that prevents us from living the life we want to curate for ourselves. This webinar got so much attention and positive feedback that I wanted to share it with you all on this podcast. Since this was a webinar there will be times when you’ll hear me say that I’m sharing my screen but the information given has all of the content you need to get unstuck with your finances so you can start moving forward one step at a time. Please enjoy this webinar on how to get unstuck with your finances and stop pinching pennies without sacrificing your social life.  You will hear exactly how to change the narrative from “I can’t afford it” to “How can I afford it”. You can use these techniques to get unstuck with the money stories that may keep you from moving forward with your financial goals in the next 3 – 6 months!You will learn how implementing side hustles can breakthrough the logjam of a scarcity mindset and turning it into an abundance mindsetIn fact, here's just a sample of what we covered on this breakthrough summit training:* How to identify the source of your stuckness * The reason why our personal God stories are so powerful * Easy ways to try something new to break out of a rut* The solution to break free from the chains of debt* Cool insights, tips, and tricks I've learned over the last year of implementing daily habitsYou get the basic FOUNDATIONS you need to get unstuck with money and finances!Get unstuck with money and achieve financial success!Free On-Demand Mini Training: "Unveiling the Secrets: Master the Art of Mystery Shopping and Earn While You Shop!" Click here for the class: https://www.budgetdivas.com/mysterytraining.
Ep #62: Medicare is an important program for money savings, as it provides access to affordable healthcare for seniors and people with disabilities. With healthcare costs continuing to rise, Medicare helps to offset these expenses and provides a safety net for those who would otherwise struggle to pay for necessary medical care. Medicare coverage includes hospitalization, physician services, and prescription drug coverage, among other things.In this episode, my guest is Christine Go from Insurance Options Hawaii. Christine has been in the Insurance industry for over 25 years.  She found her passion guiding Medicare beneficiaries through the complexities of Medicare since 2006. Christine is committed to helping those who are eligible for Medicare or retiring soon to understand their Medicare Health Plan options that are most beneficial for their needs.Takeaways from this episode: Medicare helps to save money is by providing preventative care services that can help identify and address health issues before they become more serious and require costly treatments. Medicare provides access to a broad range of medical providers and services, which helps to increase competition and drive down costs. Medicare is an essential program for ensuring access to quality healthcare for seniors and people with disabilities, while also helping to save money by providing preventative care, negotiating rates with providers and drug companies, and increasing competition in the healthcare market.To connect with Christine and her team, reach out to her at https://www.insuranceoptionshawaii.com/contact-us Free On-Demand Mini Training: "Unveiling the Secrets: Master the Art of Mystery Shopping and Earn While You Shop!" Click here for the class: https://www.budgetdivas.com/mysterytraining.
Ep #61: In today’s podcast, we are talking about maximizing your compensation package. Whether you work for a small family-owned company or a big corporation, do you know what your employee benefits are and are you taking advantage of not only the wellness benefits but also enrolling in benefits that can save you money on taxes? In today's competitive job market, companies are recognizing the importance of offering comprehensive employee benefits packages as part of their overall compensation package. Employee benefits are non-wage compensation provided to employees in addition to their regular pay. They are designed to enhance the well-being, satisfaction, and productivity of employees. Today my guest is Mislyn Alensonorin of Vantaggio HR. She is the Manager of Hawaii Operations and Sr. HR Consultant She is responsible for providing human resource and management consulting to companies of all sizes. Some of Vantaggio's services include recruitment, compliance, employee handbooks, compensation, employee benefits, training and organizational development.Highlights from the show:Health Savings Account (HSA): Employees who are enrolled in high-deductible health plans can contribute pre-tax dollars to an HSA to pay for qualified medical expenses.Flexible Spending Account (FSA): FSAs allow employees to set aside pre-tax dollars to pay for eligible medical expenses or dependent care expenses.401(k) or other retirement plans: Contributions to retirement plans are generally tax-deductible for employees, and earnings on the contributions are tax-deferred until they are withdrawn.Employee discounts: Some employers offer tax-free employee discounts on products or services offered by the company.These are just a few examples of the many tax-saving benefits that employers can offer to their employees as part of their compensation package.After you listen to this podcast, don’t forget to get a copy of your employee handbook from HR so you can review your benefits and make the necessary changes. To learn more about Vantaggio HR, click here: https://vantaggiohr.com/vhr-hawaii/ Free On-Demand Mini Training: "Unveiling the Secrets: Master the Art of Mystery Shopping and Earn While You Shop!" Click here for the class: https://www.budgetdivas.com/mysterytraining.
Ep #60: In the last episode, we talked about setting up the foundations for reconciling your budget and I would highly encourage you to listen to that episode then jump into this one. Reconciling my budget hasn’t always been my strongpoint because it takes time to plan and to actually sit down, look at my receipts, and cross-check every dollar that was spent with my budget. Even though I’ve been doing this for years, it’s still one more thing that I need to do on that never-ending to-do list. Last year was a really busy year for us. Alden and I were juggling our businesses, our 9-5 jobs, and picking up extra side hustle work where we could because we were saving for a bigger place. In the busyness of it all, some things that to give in order to make space for another. I heard this analogy from one of my coaches – it’s like you have 16 pots and only 4 burners on the stove. You are trying to fit all 16 pots on the stove but there is no place for it, except for 4 of them. So you have to decide which 4 are going on the stove first, then second, and so on. And this is exactly what we were doing with our time last year. We were so busy with work that something had to give. And the #1 way that I ruin my budget is eating out. Can you relate to that? Even though we can’t see each other, nod your head and smile if you can relate to this. I honestly love to eat out. Whether it’s sushi, thai food, or a good steak…. Dining out at restaurants is my favorite way to reward myself but it’s also my biggest budget buster AND last year because we were so busy, we were eating out all the time. Now, I am not opposed to eating out if it’s in my budget and planned but last year (especially in the summer and during the holidays when my son was home from college) we ate out a lot. On top of that, we also bought a ton of groceries thinking that I would cook at home. It was definitely a double-whammy. So the extra side hustle money that we were earning to go towards our savings ended up going to our grocery and dining out categories. This is the reason why I’m so passionate about reconciling the budget. When you reconcile on a weekly basis, you know how much money have left to spend for the following week. If you’re not one who loves to meal plan or eat the same thing everyday, adjust your budget accordingly to allow more money towards your dining out category, so as long as it is within the means of your budget. This is really where the magic happens when you reconcile your budget. You can evaluate your spending habits and see where exactly your money is being spent. Now that you understand why it’s so important to reconcile your budget, here are the action steps to take to do exactly that so you’ll always be living within your means, have savings tucked away for a rainy day, and be able to pay off debt faster than you can imagine. Free On-Demand Mini Training: "Unveiling the Secrets: Master the Art of Mystery Shopping and Earn While You Shop!" Click here for the class: https://www.budgetdivas.com/mysterytraining.
In this series we’ll be talking about good old-fashioned money habits that we need to revisit from the generations before us. The same good old-fashioned money tips that our parents, grandparents, and even great-grandparents used in their everyday life. People want that magic pill that is going to take away all their problems. But let’s be honest here. Imagine for a second, someone that is not very good at money and they were given $50,000 to pay off their credit cards. And lets just say they did – they actually deposited that check, went online to pay off that bill, and was now completely debt-free. Now, this person has a pretty decent income but has not learned how to manage their money correctly. In your opinion, do you think that person will be back into debt in the near future? If you answered yes, I completely agree with you. It’s interesting because when I hear stories on social media, the first thing that comes to mind is “if only there was a magic wand that could completely wipe out my debt, I’d have a clean slate and I’d be better off.” But most times, that is not the case at all. Think about this for a second. There are so many diet fads out there that promote this magic pill that will instantly help you to lose weight, curb your appetite, and make you eat less. these diets may lead to rapid weight loss in the short term, they are not sustainable over the long term. But what happens once they stop taking that magic pill? Many people end up going back to their previous eating habits once they stop following the diet, which can cause them to regain the weight they lost or even gain more weight than before. We hear stories like this ALL the time and that’s why they call it fad dieting.When I talk to people and ask them what keeps them up at night, the most common response I hear is -  My spouse/partner and I make a really good income but we don’t know where our money is going. It seems like money comes into the account and goes right back out and we don’t have any money until the next paycheck. The short answer is the fortune is in the follow-up. This term is widely used in business but has the same effect when we apply it to money habits. If you create a budget and don’t look at it again until the next month, that budget is no good to you at all. You are pretty much left with a pretty template that you downloaded online with your budgeted numbers in it. The first habit to becoming good with money is to reconcile your budget. Reconciling your budget involves comparing your actual income and expenses to the budget that you have set for yourself, identifying any discrepancies, and adjusting your spending or saving habits accordingly. I’m going to give you three easy steps you can do right now: 1) Pick a day and time that you will reconcile your budget2) Dedicate a space for your monthly receipts3) Go through your receipts and only keep the current month’s personal spending receipts in that dedicated space Stay tuned because in the next podcast, I’m going to tell you step-by-step on how to reconcile your budget so that you can get it down to one hour per week. Until next time, keep moving forward one step at a time.   Free On-Demand Mini Training: "Unveiling the Secrets: Master the Art of Mystery Shopping and Earn While You Shop!" Click here for the class: https://www.budgetdivas.com/mysterytraining.
Ep #58 When presented with legal papers or documents, you often need a notary. But have you ever thought about what precisely a notary is and what it is that they do?Mobile notaries are in high demand and can earn a good income by offering their services. It can start off as a lucrative side hustle to earn extra income on the side to becoming a full-time job! In this podcast, we're having a discussion with Janae Blatch of Florida Academy of Notaries. Janae is a fun, faith-filled educator who loves teaching and being a Notary Public. She enjoys helping others learn and grow. Her background in mental health counseling and education has perfectly prepared her for this task.Passionate about helping others enjoy financial freedom, Janae is here to equip Notaries to deliver exceptional service, every time!While running a successful Notary business, alongside her husband of more than 10 years, David Blatch, Janae places priority on raising their three children which was the catalyst for her starting in this industry. Main takeaways from this podcast:1. How to get started as a mobile notary2. How to grow your book of business with real estate agents, title officers, and mortgage professionals3. How this can start as a side hustle and becoming a full-time careerTo connect with Janae, check out her links below: Email: support@flacademyofnotaries.comInstagram: janae _blatchWebsite: www.flacademyofnotaries.comFree On-Demand Mini Training: "Unveiling the Secrets: Master the Art of Mystery Shopping and Earn While You Shop!" Click here for the class: https://www.budgetdivas.com/mysterytraining.
Ep #57 Are you planning to travel this summer? Have you considered traveling in an RV? RV travel can be a fun and exciting way to explore new places and experience the great outdoors. In this week's podcast, Christine Swartz of RV Mama of 4 explains how to start RV'ing in style while on a budget. Christine's goal is to help you gain the confidence, knowledge, and skills needed to purchase, drive, and set up your RV from start to finish. She wants you to create the life you desire by connecting with nature, spending quality time with your kids or pets without the distractions of a busy life, and engaging in sight-seeing and activities you don’t normally have the opportunity to do!  Main takeaways from this episode: Flexibility and FreedomComfort and ConvenienceBonding with NatureCommunityTo learn more about RV'ing, connect with her here:You can get my Ultimate Guide to RVing Solo or with Your Kids at https://www.rvmamaof4.com/RVingSoloWebsite:  https://www.rvmamaof4.comYou can join my RV Mama of 4 Facebook group at www.facebook.com/groups/RVMamaof4In the RV Mama of 4 Adventure & Community, you will receive the coaching and community you need to get out there and experience the beauty of the outdoors in a unique way...in an RV…so you too can make memories that last a lifetime, one mile at a time.Free On-Demand Mini Training: "Unveiling the Secrets: Master the Art of Mystery Shopping and Earn While You Shop!" Click here for the class: https://www.budgetdivas.com/mysterytraining.
 Ep #56  Have you ever felt frustrated with your budget? Frustrated that …  …there’s not even enough money to pay the bills each month…money runs out as soon as payday hits …you feel you are spinning your wheels trying to make more money each month with little to no progress When we first started our debt-free journey, this was a frustration that would run through my mind daily. It seemed like no matter how hard we worked, there wasn’t enough money to last the entire month. I was afraid to open the mailbox and see the stack of bills in it, and it seemed like Dooms Day was everyday. There were more stressed out days than there were happy days. Even though we tried as hard as we could to hustle our way out of debt, we ended up feeling frustrated, depleted, and sick to our stomach because the debt wasn’t going down fast enough. Whenever I rush the process on anything I do, it always ends up being a bad decision. There are only so many hours in the day and trying to cram everything in a short amount of time usually means sleepless nights, multi-tasking without getting anything done, and more ugly crying nights than anything else. You know that ugly cry where you cry your eyes out and can’t even breathe. Can you relate to that? If you’ve ever felt like your heart is racing all the time, stressed over money woes, and all you want to do is close your eyes and hope that it all goes away, there is a money challenge that works every single time to recalibrate my mind and my spirit. Whenever I do this challenge, I feel more relaxed as it forces me to slow down and it’s like a detox that is getting rid of the toxic thoughts in my head that causes me to feel frustrated with money. And that challenge is a no spend challenge. What exactly is a no spend challenge? It is a personal challenge in which you set a goal to not spending money on non-essential items within a certain time period. The goal of the challenge usually targets areas to reduce unnecessary expenses, increase savings, and improve financial health.During this challenge, you set your own rules so that it’s meaningful to you. Some of our goals for our no spend challenge - Spending money on essential bills - housing, utilities, and transportationAvoiding non-essential purchases -  clothes, electronics, and entertainmentUsing up items that have already been purchased before buying more – groceries, toiletries, personal items Looking free or low-cost alternatives for leisure activitiesWhether you decide to do it on a weekend, 7 days or even for an entire month, the transformation coming out of it will be so powerful. I’m cheering you on friend. You got this. You may feel frustrated now but I know that it’s only for a season, and this season won’t last forever. Free On-Demand Mini Training: "Unveiling the Secrets: Master the Art of Mystery Shopping and Earn While You Shop!" Click here for the class: https://www.budgetdivas.com/mysterytraining.
Ep #55: In this episode, let’s talk about making a plan for our savings goals. Now if you are starting to cringe because savings is not your love language, I totally hear you. Spending money is much more fun than putting my hard earned money into a savings account and letting it sit there. In fact, if you were to give me $100 right now and give me a choice to deposit it into my bank or spend the entire $100 at Target, I would 100% go to Target and happily spend it. We all know that savings is definitely an important part of our financial journey so on today’s podcast, I want to give you some tips on how you can put those savings to good use in 2023. What I wanted to talk about today is planning your savings for the entire year. The reason to do this is because it will allow to slowly save a certain amount of money every single month for important life events that happen in the year. For example – birthdays, anniversaries, school uniforms and supplies, family trips, Christmas and so on. Not only does this eliminate the stress of having to come up with the money the month of or the month before the event happens but because you have already budgeted and planned ahead for that money, it will be guilt-free. When we started implementing this strategy, it was a game changer for our budget. We no longer felt money stressed during the holidays because we knew we had the money saved in the account. It eliminated the money fights and we actually looked forward to the events instead of cringing because we had to put it on our already maxed out credit card and pray that the credit card company would push the transaction through. It made us excited to take that saved money out of the bank account and freely spend it however we chose. So I want to give you four tips on how you can implement this strategy into your budget without breaking the bank.  The 4 things you need to do to plan your yearly savings goals: 1.       Make a list of all the events happening throughout the year2.       Give each event a set amount that fits within your budget (and just know that you can always increase the amount if you make more money)3.       Add the total for each month and then the yearly total so you’ll know how much you need to put away each month4.       Store it in a bank account that is separate from your main checking and savings account. This will help you to treat it like a bill and you won’t be tempted to dip into that account.  That wraps up this episode for our Back to Basics Money Series. Also if you want tips on how to improve your finances this year, you can grab my free guide at https://www.budgetdivas.com/fivesteps. It will outline the tips we have covered in our Back to Basics Money Series plus give you quick action steps that you can start doing right now. If you have enjoyed this episode, would you be so kind and leave a review on Apple Podcasts? I’d love to hear from you. Until next time, keep moving forward one step at a time. Free On-Demand Mini Training: "Unveiling the Secrets: Master the Art of Mystery Shopping and Earn While You Shop!" Click here for the class: https://www.budgetdivas.com/mysterytraining.
Ep #54: How do you know God's calling for your life?Have you ever struggled with this question? Is God calling you to step out of your comfort zone and into ministry? In this episode of the Budget Divas podcast, my guest is Francine Ivey.  Francine Ivey is an Executive Coach and Founder of Consumed Coaching, LLC. She helps entrepreneurs, coaches, and influencers grow in their personal and professional lives through her faith-based coaching program. Francine is certified as a Master Level Life Coach with International Christian Coach Institute, Sales and Leadership Coach, and Coach, Speaker, and Trainer for the John Maxwell Team. She is a powerful speaker who challenges her audiences to believe bigger and to walk in confidence. She has coached individuals in many industries and Fortune 500 companies, as well as boutique companies and non-profit organizations. Her clients appreciate her ability to cut through the noise and help them focus on what is most important to them. Top 5 takeaways from this episode:How to let the Holy Spirit lead you into finding your spiritual giftsWhen God turns the unimaginable into a beautiful love storyWhat it means to be a Kingdom CoachOvercoming self-sabotage, negative thinking, limited beliefsQuestions to ask yourself before becoming a coachTo learn more about Francine, visit her podcast and website here:Consumed Coaching Website: https://www.consumedcoaching.com/Book a FREE call with Francine: https://www.consumedcoaching.com/site/contact Calling Over Comfort Podcast: https://podcasts.apple.com/us/podcast/calling-over-comfort-with-francine-ivey/id1589661975Free On-Demand Mini Training: "Unveiling the Secrets: Master the Art of Mystery Shopping and Earn While You Shop!" Click here for the class: https://www.budgetdivas.com/mysterytraining.
Ep #53 How to live on a budget without going scorched earth. If you haven’t heard of this term before, basically it means to remove all discretionary spending from your budget. So think of it as the only things in your budget are the money to support your four walls – shelter/utilities, food, transportation, and necessary clothing. So this means getting rid of all the extra spending in your budget – cable, dining out, any subscriptions, gym memberships, lattes, and anything else that would be considered as a non-essential expense. So we did this in the first 2 years of our debt-free journey. I was OBSESSED with finding every article and YouTube video that I could on how to live on practically nothing. In the first few months of doing this, it was kind of fun because it was like a challenge. Like oooh let’s see how many days I can go without spending any money. And I would read all of these articles and watch these You Tube videos of how people were walking to work, DIY’ing everything they could, learning how to cook recipes from their kitchen inventory, making their own laundry soap, and so forth. But as time went on, what happened is that my family and I were just miserable. I would feel so guilty everytime we left the house to do something fun because that meant using gas and spending money on going out to eat when I knew that the money should be going to our debt instead. It was only in that third year of our debt-free journey that I started to turn things upside down and that’s when life got really fun and I started to actually enjoy the debt-free journey instead of frantically wanting to be at the finish line. The end result was that we made so much progress in that third year of our debt-free journey, to the tune of paying off $41k in 12 months. So in today’s episode, I want to give you some tips on how you can also pay off a lot of debt but also enjoy the journey along the way. We’re always in such a rush to get to the finish line that we forget to be present and enjoy what’s happening around us. 1.       The first tip is to make a list of what you want to keep in your budget. Most people start working on their budget the opposite way. They start slashing their budget to practically nothing only to burn out in the end. 2.       Cut out everything else in your budget that is no longer a necessity or is draining your budget3.       The last tip to living on a budget without going on a scorched earth budget is to find a side hustle that you love to increase your income. For us, it was mystery shopping. We wanted to find a way to have our cake and eat it too and mystery shopping allowed us to enjoy the debt-free journey. In that third year of our journey we discovered how we could get paid to shop and reimbursed for our purchases. If you’re interested in learning more, you can access the free on-demand training at https://www.budgetdivas.com/mysterytraining. This is a mini training that is an introduction to the mystery shopping course that I’ve put together if you’d like to become mystery shopper.  If you have enjoyed this episode and are getting value from the Budget Divas podcast, I would so appreciate if you left a review to let me know that you’re enjoying the show and also share this episode with someone who can benefit from these tips. Free On-Demand Mini Training: "Unveiling the Secrets: Master the Art of Mystery Shopping and Earn While You Shop!" Click here for the class: https://www.budgetdivas.com/mysterytraining.
Ep# 52 January is my favorite month of the year because it means new beginnings and fresh new ideas. It’s a time when I don’t reflect on what I didn’t accomplish in the previous year, but rather, focusing on what I do want to accomplish in the current year. The same goes for budgeting. So in today’s podcast, we’re going to talk about the budgeting basics – from creating your budget to streamlining the process so that you’ll actually stick with it instead of wanting to throw it out the window. The first tip is to get organized with your finances. 1.       Gather your documents The very first step to creating your budget is to get your income and expenses statements. This may mean logging on to your employer’s website and printing out your paystubs, rummaging through your drawer for those documents or if you are self-employed looking through your client invoices to see what you got paid. If you have an inconsistent income, I recommend printing out at least 3 months worth of statements so  you can get a good idea of the average amount you bring in every month. Then you’ll want to gather all  of your expense statements. So this means any bills that you pay for each month. To make this a little easier, start with monthly fixed expenses. So this means rent/mortgage, household utilities, internet/cable, daycare, car payment, and anything else that you absolutely have to pay for to run your household. Next, grab your bank and credit card statements. I highly recommend printing these out and keeping it in a folder because in the next few podcasts, we’ll talk about how we are going to analyze these documents. 2.       Write it all down Everyone has their own budgeting style preference – whether you like pen/paper, spreadsheets, or apps. But if you’re doing a budget for the first time, I highly recommend just getting a sheet of paper and writing it down. This will make it so much easier plus you can keep adding to that list as you find more income or expenses when you go through your paperwork. Once you have it all down, then you can decide if you want to use a budgeting template, spreadsheet, or an app. I also have a free budgeting template that you can grab for yourself and you can access it at https://www.budgetdivas.com/budgeting-template.  3.       Automate your bill payments When we first starting getting our finances organized and started budgeting, I noticed the fees I was paying for late payments.You can also automate your bills for your utilities. Most companies won’t charge a fee if you’re debiting it from your checking account and some companies don’t even charge a fee for using for your card. The main thing is to automate as much as possible so you’re not having to worry about incurring late payment fees and it doesn’t hurt your credit history. Free On-Demand Mini Training: "Unveiling the Secrets: Master the Art of Mystery Shopping and Earn While You Shop!" Click here for the class: https://www.budgetdivas.com/mysterytraining.
 Ep #51 How do we let go of past hurts that keep us from moving into the role we were meant to play? In today's podcast, my guest is Bridget Lynch.  After overcoming fears and anxieties from trauma and abuse, Bridget wants to help you do the same. We are not what happened to us, we are daughters of the King of kings. We are chosen, called, accepted, beloved, cherished, loved, equipped, and so much more! You don't have to walk alone through your healing journey when you join a community of women. You get to come together in a safe and secure place, receiving the prayers and support you need as you heal. It took Bridget years to heal from her past, and she wants you to know that it's ok if it takes you that long too. Healing is a process, and it doesn't happen overnight. She will come alongside you to help you find your identity in Christ and see who you truly are - healed and whole in Christ!To learn more about Bridget, visit her website: https://www.inthelightcoach.live/ Free On-Demand Mini Training: "Unveiling the Secrets: Master the Art of Mystery Shopping and Earn While You Shop!" Click here for the class: https://www.budgetdivas.com/mysterytraining.
Ep #50 Are you ready to finally start that business you've been thinking about?In this episode, my guest is Nichole Mengiles of The Stim Clinic. This episode is filled with great tips to stop overthinking when starting a business, start taking action on that side hustle turned into full time business, and overcoming mindset obstacles that will stop you from pushing through. When you change your mindset, you can change your life. Your mindset is the difference between those who succeed and those who don’t.When you are serious about success in your professional and personal life, mastering your mindset is a must. By changing your thinking, you can change your actions because more action means more chances of success.As you change your mindset, you change your behavior. When you say that you can't, you won’t succeed. Imagine what you can achieve, and the results will follow.Takeaways from the show: Defining your purpose in lifeCreating success because it doesn't just happenChoosing to be positive every day and have a good attitudeFocusing on others and not your own thoughtsBuilding grit in your lifeBuilding a business from nothing to a million dollarsThe Stim Clinic has helped over 3,500 families.  They work with massage therapists, chiropractors, physical therapists, nonprofits, and military personnel.There's help if you are suffering from back pain, sore muscles, stiff neck, or stress. The portable, compact, and rechargeable devices interrupt pain signals to the brain, stimulating & relaxing the muscles through safe electrical charges to the pain area.To learn more, visit their website: https://www.thestimclinic.com/ Interested in making money as a mystery shopper? Get access to the FREE training here: https://www.budgetdivas.com/mysterytrainingFree On-Demand Mini Training: "Unveiling the Secrets: Master the Art of Mystery Shopping and Earn While You Shop!" Click here for the class: https://www.budgetdivas.com/mysterytraining.
Ep #49 For most, the holiday season is filled with joy and happiness. But for others, it may be associated with negative memories such as tragedy, grief, and loss. This episode, we’re diving into how to deal with negative emotions and find healing despite hardships.The healing journey is a process that consists of actions you take to let go. Kate explains how to embrace things that empower you. The paths you take after the trauma, the goals you set to keep moving forward, and life experiences that you create during the journey — their impact is part of the process of healing.Kate Conwell is the founder of the Journey Beyond Betrayal—an online membership community that exists to ENCOURAGE, EDUCATE, EQUIP and EMPOWER women as they walk through the pain of marital infidelity and find healing.  Kate launched the community out of her own story of overcoming the pain of infidelity five years into marriage—turning her deepest pain into a God given purpose.  Kate’s husband also pursued his own healing, and through God’s redeeming power they have now been married for 15 years!  Together they have two energetic and athletic boys—who she cheers on at whatever sporting event the season brings!To learn more about the Journey Beyond Betrayal Community and get 5 Tips to Move from Hurting to Hope visit: https://www.journeybeyondbetrayal.com/FREEBIE Website: https://www.journeybeyondbetrayal.com Instagram: @journeybeyondbetrayalFacebook: https://www.facebook.com/journeybeyondbetrayal/Free On-Demand Mini Training: "Unveiling the Secrets: Master the Art of Mystery Shopping and Earn While You Shop!" Click here for the class: https://www.budgetdivas.com/mysterytraining.
Ep# 48 Are you ready to become a homeowner in 2023?In this episode, my guest is Brad Shinagawa of B&B Mortgage Solutions. This episode is filled with great tips on how to start planning for pre-approval, getting your credit right, and mindset solutions to get you in the right headspace to be able to take on a mortgage. Takeaways from the show: How to budget for the mortgage payment What you need to know to get pre-approvedEstablishing a strong and honest relationship with your mortgage officerEstablished in 2007, B&B Mortgage Solutions opened in the heart of the largest mortgage and real estate meltdown ever seen.  Through their local values and exceptional reputation, B&B was not only able to survive, but flourish.Through the ever changing lending environment and the mortgage industry thriving again, B&B Mortgage has been repeatedly recognized as one of Hawaii’s top Mortgage companies.  That, largely due to them following their motto of treating every client as if, “was my aunty.”Through listening to their clients’ needs and educating them on the lending process, the licensed professionals at B&B Mortgage will tailor the most suitable, and often times “Out of the Box,” financing structure.  So, whether buying your first home or refinancing your tenth home, The B & B Team will find the right loan for you through the variety of home loan products available to them.To learn more, visit their website: https://www.bbmortgagehawaii.com/ Free On-Demand Mini Training: "Unveiling the Secrets: Master the Art of Mystery Shopping and Earn While You Shop!" Click here for the class: https://www.budgetdivas.com/mysterytraining.
Ep #47 Do you want to kickstart your career into high gear in 2023? Do you want to ensure you stand out from the rest of the crowd? If you said yes to any of these questions, here’s the most important question. Do you know how to properly brand yourself? When you get clarity and can articulate your personal brand, you can make sure everything you say matches what you want to be known for.   In today’s episode, my guest is Patricia Ortega. Patricia is a career coach and is also the host of The Uncommon Career Podcast. Patricia uses her master’s level training and decades of experience to help faith-based professionals find and follow their calling, overcome challenges, and land fulfilling, well paid positions. She was nudged by Christ’s faithfulness to her own calling, and quit a 6-figure position to start this faith-based company, coaching others to walk out their career God story.To learn more about Patricia Ortega, visit her links below:Website:  https://www.theuncommoncareer.com/ Link Tree (for mobile): https://www.theuncommoncareer.com/LiB The Uncommon Career Podcast homepage: https://theuncommoncareerpodcast.podbean.com/ Free On-Demand Mini Training: "Unveiling the Secrets: Master the Art of Mystery Shopping and Earn While You Shop!" Click here for the class: https://www.budgetdivas.com/mysterytraining.
Ep #46 When was the last time you reviewed your insurance coverages to make sure you are properly protected? Your insurance company may not know about any life changes happening in your life such as getting married, having a baby, moving to a new area, or changing jobs. It’s always a good idea to review your coverage with your current provider or shop around to see if you can get a better rate with the exact coverage you need. Having an unbiased resource that can review your policy and make sound recommendations based on your needs is like talking to a mentor who can give you professional advice. Working with agency means they work for you, not the insurance company – giving you the power of choice.Mallorie is an Associate Account Executive at Atlas Insurance Agency, Inc.  Born and raised in Hawai'i, she earned her Bachelor of Arts in Psychology from the University of Hawai'i at Mānoa. Mallorie has been in the Property & Casualty Insurance Industry since 2013 and holds the Chartered Property Casualty Underwriter (CPCU) designation. She works with clients to customize an insurance plan that best fits their needs.Since 1929, Atlas Insurance Agency has been providing property and casualty insurance solutions for the people and businesses of Hawai'i. Atlas is currently the oldest and largest insurance agency in the State, taking pride in giving the best service, the best coverages and the best rates possible.To learn more, check out Atlas Insurance here: https://www.atlasinsurance.com/Free On-Demand Mini Training: "Unveiling the Secrets: Master the Art of Mystery Shopping and Earn While You Shop!" Click here for the class: https://www.budgetdivas.com/mysterytraining.
Ep #45 In today’s podcast, we’re talking about how to get scrappy with side hustles. Whether you are trying to find time to work on your passion project while juggling your 9-5 job or looking for ways to earn extra income to pay down debt, there are ALWAYS ways to make extra income. This is one of my FAVORITE podcasts because we talk all about mindset, time management, motivation, and inspiration. Today's guest is Cesar Tauyan. Cesar is the grownup kid who struggles with adulting. At a young age he realized his education and upbringing did not prepare him for real life, which is the system of going to college, working a job you hate for the rest of your life, drowning in debt, and feeling unfulfilled. He discovered side hustles and passion projects as a way to separate himself from the system and live life to its fullest. Cesar grew up a military brat. He now lives on Oahu with his wife and kids. He loves playing the piano, watching combat sports, and morning coffee chats with his wife.Your passion project could be a side gig that you want to eventually turn into a full-time business. It is something that makes you feel invigorated, happy, and sparks joy in your life. "Getting Scrappy" means finding creative side hustles to fund your passion project. This may mean cutting the neighbor's grass, running errands for other people, freelancing on Fiverr, etc. Listen in as we discuss the importance of starting a passion project and why you need to start one today!   Free On-Demand Mini Training: "Unveiling the Secrets: Master the Art of Mystery Shopping and Earn While You Shop!" Click here for the class: https://www.budgetdivas.com/mysterytraining.
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