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Marshmallows and Money Podcast
15 minutes | 4 hours ago
Episode 15: 5 Overrated Grocery Hacks That You Should Avoid
Grocery hacks help you save a ton of money on your monthly grocery budget. But, some hacks are a bit overrated, and although they do save money, they may not be worth your time and energy. Here are 5 grocery hacks that are overrated and you can avoid them altogether and still save a lot of money on your grocery bill. CouponsDollar Tree groceriesCash Back AppsFresh VegetablesConvenience/Processed foodsIf you're ready to save some serious money, these Money Resources give you the tools that help you take back control of your finances and start saving money.The Printable Budget Binder has helped thousands organize their finances and start saving money.
22 minutes | 7 days ago
Episode 14: 10 Powerful Ways to Transform Your Money Mindset
Mindset is a key component to how successful you are in permanently improving your money story. So, it's critical that we work on ways to shift our perspective and mindset to make more progress with our finances and have a healthier relationship with money. Here are 10 ways that are practical yet powerful in helping you shift your mindset with money:Pay attention to the daily habits of the rich and emulate those you admireRead more personal finance booksJoin money-focused groupsFocus on what you have and not what you don’tPractice gratitudeCreate a vision board for your goals Practice charitable givingUnderstand the opportunity cost of what you spend your money onDeclutter and donateFocus on what’s important (If a fire took everything from you today, what would be the things you’d want to make sure were safe? Those are what you should always focus on, not the material possessions).Join the waiting list for Money Whizards here.My favorite personal finance books at the moment:The Latte FactorThe Broke Millennial Takes on InvestingThe Millionaire Next DoorMy current read:The Mindful MillionaireMy mission is to support your financial journey by providing clarity around money topics. In addition to the clarity and knowledge you get from this episode, these Money Resources give you the tools that help you make real progress with your finances. Our popular Printable Budget Binder has helped thousands organize their finances and start saving money.
15 minutes | 14 days ago
Episode 13: 10 Money Myths that Hurt Your Financial Progress
Money is a universal tool, but it's our beliefs and mindset that can hinder our financial progress. Today, we're diving deep into 10 common money myths that stop us in our tracks in an effort to dispel their power and overcome the mindset hurdles that make it hard to succeed financially. Credit debt is normalThere’s no point in paying off student loans, they’re part of lifeGetting a tax refund is a good thingInvesting in the stock market is just gamblingInvesting is just for the richI don’t make enough to save moneyI don’t make enough to investLiving below your means is for the poorRich people drive fancy, live fancy, spend fancyI don’t need to save for retirement, I’ll just get on social security like my parents (the idea that someone will save you at the end of the day)My mission is to support your financial journey by providing clarity around money topics. In addition to the clarity and knowledge you get from this episode, these Money Resources give you the tools that help you make real progress with your finances. And our popular Printable Budget Binder has helped hundreds organize their finances and start saving money.
13 minutes | 21 days ago
Episode 12: Size Does Matter and Small is Better- Money Talk
When it comes to your finances and your money habits, small is better than big. We often discount the small steps, thinking they are too insignificant to make a big impact. But, there is magic in small. Here are just some of the ways that small is better when it comes to your money. Small monthly contributions over time vs one lump sum contribution later means more time in the market Example- $500 per month over 40 years (240,000)= 2,678,185 vs. $240,000 for 10 years= $622,498Small habit changes now means building a strong foundation with your moneySmall savings each month add up to affording the things that matter laterSmall mindset changes, like rewriting internal scripts that were ingrained from childhood means gradual changeSmall and steady allows for you to sustain the changesSmall steps lead to massive transformations “Dripping water hollows out stone, not through force but through persistence.”- Ovid“A river cuts through rock, not because of its power, but because of its persistence.” James N. WatkinsCheck out these helpful resources if you need more guidance on paying off debt, saving money, or perfecting your budget. Grab the Printable Budget Binder if you want to get organized with your money and finally take back control of your finances.
11 minutes | a month ago
Episode 11: What Should You Do With Your Stimulus Check? 7 Options Explored
Your stimulus check can really make a big impact on your financial wellbeing. It can catch you up, give you a little breathing room, and help you prepare financially for the future. These are just some of the options that will help you create financial security and peace of mind with your money. How you choose to use your stimulus payment is completely up to you. Pay off DebtBulk Up your emergency fundInvest even for the first timeSave in a sinking fund (or a few)Start a new businessInvest in yourself by taking classes or more education in a field you find interestingGet one month ahead on your bills, quit the paycheck to paycheck life right nowHere are some helpful resources if you need more guidance on paying off debt, saving money, or perfecting your budget. Grab the Printable Budget Binder if you want to get organized with your money and finally take back control of your finances.
17 minutes | a month ago
Episode 10: 7 Daily Habits That Consistently Build Your Wealth
Creating more wealth is possible if you adopt habits that support your goals. Here are some of the habits that will help you consistently build your wealth and give you the financial security you need. Reading personal finance booksInvesting consistentlyChecking in with your goalsRegular check-ins with your financial plan i.e. budgetPrioritize Your Savings above all elsePlanning ahead for events or expected expenses Master your kitchen- Resetting your space every eveningCheck out these helpful resources if you need more guidance on paying off debt, saving money, or perfecting your budget. Grab the Printable Budget Binder if you want to get organized with your money and finally take back control of your finances.
8 minutes | a month ago
Episode 09: How to Plan for Emergencies When You're Broke
Emergencies are inevitable. They happen to all of us and there is no rhyme or reason or even a heads up when they happen. Part of having complete financial security is to have an emergency fund that holds 3-12 months of your living expenses ready to serve you when you need it most. It's one of the best things you can do for your financial wellbeing and it's a game changer to staying out of debt when an emergency arises. Be part of the smart crew and do what you can right now to save for the inevitable so you can avoid the struggle when an emergency strikes. Here are some things to consider and action steps you can take to save for emergencies when you're broke and living paycheck to paycheck:How much should your emergency fund have?Understand what your emergency fund should cover (job loss, illness, natural disaster) Doesn’t include unplanned events or home maintenance (there should be a separate fund for that)Get consistent, make it a habit- even if it’s smaller payments per weekInclude it in your budgetSet up a spending freeze and deposit that money into your e-fundSeparate your emergency fund from your regular savings accountCheck out these helpful resources if you need more guidance on paying off debt, saving money, or perfecting your budget. Grab the Printable Budget Binder if you want to get organized with your money and finally take back control of your finances.
9 minutes | 2 months ago
Episode 08: How to Pay Off Debt When You're Living Paycheck to Paycheck
Living paycheck to paycheck is a frustrating cycle, and being in debt makes it so much worse. So, how do you successfully pay off debt when you are so broke you can barely make ends meet? Here are some tried-and-true ways to start paying off your debt faster, even when you're broke and don't have a lot of money. Assess your balancesDetermine your debt repayment method (snowball vs. avalanche)Stop spending more on debtSet up a spending Freeze to reduce monthly expensesNegotiate your interest ratesManually consolidate your debt balancesPay more than the minimum paymentCheck out these helpful resources if you need more guidance on paying off debt, saving money, or perfecting your budget. Grab the Printable Budget Binder if you want to get organized with your money and finally take back control of your finances.
9 minutes | 2 months ago
Episode 07: 7 Reasons Your Budget Keeps Failing and How to Fix It
You have the best intentions for your budget and you want to take better control of your money and what you spend on, but oftentimes, there are small mistakes that are made during the budgeting process that make our budget fail. Here are 7 common mistakes you're making with your budget that's causing you to fail:You haven’t identified your “why” or purposeYou created a standard “cookie” cutter budgetYou only included bills and debt in your budgetYou forgot to add savingsYou aren’t checking in regularlyYou don’t get to zeroYou’re not planning for upcoming events or life in your budgetIf you're new to budgeting and need some additional guidance, grab the FREE Budget Starter Guide here. If you need a solid budget binder system to be more organized and have more control, grab our Printable Budget Binder here.
8 minutes | 2 months ago
Episode 06: Easy Ways to Start and Maintain a Gift Closet on a Small Budget
Having a gift closet helps you plan ahead for events and occasions without sacrificing or disrupting your budget. You're able to save more while choosing thoughtful gifts that work for any occasion. Here are some easy ways tot get started with a gift closet, even on a small budget. Designate a space for your closetCreate a monthly budget for purchasesCreate your gift categoriesStick to gender neutral and/or universal gift ideasStock up on deals (KCL or Hip2Save)Grab the Printable Budget Binder so you can take control and organize your finances the right way.
9 minutes | 2 months ago
Episode 05: 7 Ways to Stop Impulse Spending Right Now
Impulse purchases steal our money that can be used and saved for more important purchases. If we can combat our urge to spend money, we can stick to our budget better and save money for the things that matter. Here are 7 easy ways to stop impulse spending so you can take control of your finances. Plan out your purchasesStart the rule of 30 (30 day list of items you saw that you may want)Consider the opportunity costStop window shopping as a pastimeRemove shopping apps from your phone And on that same note, remove your payment information from your phoneAs yourself these 3 questions:Is it necessary for me to function most days?What makes it necessary now?Do I have something that can serve this purpose?Add it to a list for birthday or Christmas requests
11 minutes | 3 months ago
Episode 04: 5 Steps to Live More on Less
Many of us think that money is the answer to live our best life, but I want to show you that living a great life doesn't require a ton of money. Here are 5 steps to help you afford everything you want and live your best life on less money than you think. Identify what matters in your lifeRethink temptation and societal standards and create your own roadmapSave for the things you enjoy so you can life a great life on a budgetStop wasteful spending so you can afford more of the things that matterPlan and save ahead for your dream goals and break them down into bite size pieces
10 minutes | 3 months ago
Episode 03: 10 Money-Saving Tips to Cut Your Grocery Bill in Half This Month
Reduce your grocery bill with these 10 money-saving tips. 1- Bagged Salads2- Marinated Meat3- Pre-cut/Pre-Sliced Vegetables and Fruit4- Meal Packs 5- Individually packaged snacks6- Pre-made meals and salads7- Convenient Foods 8- Cakes/Sweet Breads9- Broth10- Pre-Sliced/Pre-Shredded CheeseConvenience Costs Too MuchTaking the time to prep and process our own foods will save a lot of money in our grocery budget, but also doesn't take as much time as we think. What’s one thing you stopped buying from the grocery store to save money?
23 minutes | 3 months ago
Episode 02: 10 Valuable Lessons Learned When Paying Off Debt
You learn so much when you're in the process of paying off your debt for good. These lessons will continue to guide me in making better decisions around money and will help me avoid ever getting into debt in the future. 1- Slow progress is still progress2- Stop comparing your situation to others3- Pay More than the Minimum Every Month4- Lenders are willing to work with you5- Create a Plan6- Lean in to your why7- Consistency is powerful8- Debt steals more than your money9- Self control takes tons of practice10- Debt freedom is full freedomI hope these lessons help you throughout your money journey.
11 minutes | 3 months ago
Episode 01: How to Embrace Change and Breaking Through Discomfort with Your Money
In this episode, you'll learn how to break through the discomfort phase of changing your money habits and transforming your finances. You'll understand the mindset behind habit change and get tips to help you see progress with your money journey. Change is hard at firstIt’s uncomfortable, it’s new, it’s not our normal...yetIt requires a new mindset and a new set of behaviorsHow do we break through the discomfort step to move forward?Easy steps you can take right now to help you break through the barrier of discomfort. Step 1- Write Down Your Short Term Financial Goals (this month)Step 2- Write Down 1-3 new behaviors you’ll work on this weekStep 3- Declutter Your Space, it does wonders for how you spend moneyStep 4- Create More Barriers to Entry, focus on making it harder to spend your money Step 5- Embrace the Slow- It helps you sustain changes made to your finances in the long run
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