The Money Whine & Cheese Club with Sara Fernandes
By Sara R Fernandes
You are not here to work at a job you hate and buy stuff you don't need to impress people you don't like! Living is so much more than that! You are here to live your life's purpose, on purpose!
I think that #moneymatters, #mindsetiskey and #livingmybestlife are just a few key mindset fixes I want to help you adopt so you can progress in your own journey!
The Money Whine & Cheese Club with Sara FernandesMar 17, 2022
What is a Zero Balance Budget and why you need one
Zero Balance Budgeting: Sipping on Financial Freedom
Pour yourself a glass of your favorite vintage and join us for a nother episode of the Money, W(h)ine and Cheese Club podcast, where we uncork the secrets of zero balance budgeting. Get ready to indulge as we go through the principles of zero balance budgeting, guiding you through the process of creating a budget that puts you in control.
Whether you're a seasoned sommelier of finance or just dipping your toes into the world of budgeting, this episode promises to leave your palate satisfied and your wallet feeling fuller.
So grab your glass, settle in, and let's raise a toast to financial freedom with the Money Whine and Cheese Club podcast. Cheers to budgeting bliss and Creating Your Best Life!
https://moneywhineandcheese.com
Thank you for listening!
Please consider subscribing to the show and sending it to a friend that might enjoy it!
Why Align your Lifestyle with your Money
The difference between a Dream and a Goal is that we make plans for goals!
What we focus on grows, and it's the same with your Finances.
As always you can find me:
https://moneywhineandcheese.com
Thank you for listening!
Please consider subscribing to the show and sending it to a friend that might enjoy it!
How to get out of debt when you have a low income
Getting out of debt on a low income can be challenging, but it's not impossible. With determination, strategic planning, and disciplined financial habits, you can start to dream of a debt-free future.
Breaking free from debt on a low income requires commitment, resourcefulness, and a strategic approach. By creating a realistic budget, prioritizing debts, and exploring various financial strategies, you can pave the way to a debt-free future. Remember, it's not about the size of your income; it's about making intentional choices that lead to financial well-being. And being grateful for what you have right now, even if it seems like you have nothing to be grateful about!
As usual you can find me here:
Here - for everything else!
Thank you for being here and I'll see you next time!
5 Steps to creating your Financial Vision Board
Why is visualization such a powerful tool? Our brains respond positively to images and visuals. By creating a vision board, you're essentially providing your mind with a constant reminder of your financial goals, making it more likely for you to stay focused and motivated.
As usual you can find me here:
https://www.moneywhineandcheese.com
https://linktr.ee/Thesparklingbudgeteer
or you can write to me at
sara@thesarafernandes.com and tell me about your Vision Board!
5 Steps to a No-Spend January
A no-spend month is already a staple around here. If this is your first time, you'll find some useful tips in this episode like:
- Define Clear Rules and Goals
- Create a Realistic Budget
- Plan for Free Activities
as well as some tips as to how to stick to the challenge!
As usual you can find me here:
https://moneywhineandcheese.com
https://linktr.ee/Thesparklingbudgeteer
or you can write to me at
sara@thesarafernandes.com and tell me how your challenge is going!
Thanks for being here!
Why should he pop the question if you don't want to commit to it?
A play on words, but I think you'll find that commitment is commitment, whether it's to a person or... not. Are we walking the walk or are we just talking about it?
Hope this episode inspires you to live your best life.
Her Business Planner 2024:
As usual you can find me here:
https://linktr.ee/Thesparklingbudgeteer
or here:
https://moneywhineandcheese.com
How to say No to your kids without bringing up money
More is caught than taught when it comes to teaching kids about money.
Thank you for listening to this episode if you like this kind of content please consider subscribing and leaving a 5 star review as it helps get the podcast in front of more people.
Also if you have a friend you could share this episode with, I'd be very grateful.
As usual you can find me here:
How to Navigate a Joyful Holiday Season on a Budget
It's not always about the money!
Thank you for being here. If you like this kind of content please consider subscribing and leaving a 5 star review as it helps to put the show in front of more people, also consider sharing it with a friend, you never know who might just need to hear this message.
https://moneywhineandcheese.com
How to save money this Holiday Season - 5 tips to try out
It is the Most Wonderful Time of the Year, but it can also be, the most stressful one when it comes to spending... So before Black Friday and Cyber Monday come around, here are a few tips to keep your spending in check this Year!
I hope you enjoy this episode and if you do, please subscribe and share it with a friend, it means a lot.
Also, if you haven't done so already, consider subscribing to the newsletter, you can do so here 👇
https://www.moneywhineandcheese.com
or here 👇
https://linktr.ee/Thesparklingbudgeteer
How to quieten the noise around us (E2S3 - Spotify only)
This is an experiment!
I liked the music and it seemed fun to use it as my intro 😁 but it can only be played on Spotify so this is a special treat for all Podcast Listeners on Spotify!
As always you can find me:
https://moneywhineandcheese.com/
https://linktr.ee/Thesparklingbudgeteer
How to focus and quieten the noise around us
Whatever you are trying to accomplish in life, pay off debt, budget, start a business, parenting, you turn to the gurus to learn from their mistakes and hopefully get to the end result faster, with the least drama possible and wining! But sometimes when you listen to a lot of people at the same time, it's a lot of noise and it can make you feel overwhelmed and not at all feeling the way you thought it would.
Why do we do this? What's wrong with giving yourself the time and the space to get to wherever you are going?
As always you can find me:
https://moneywhineandcheese.com/
https://linktr.ee/Thesparklingbudgeteer
sara@thesarafernandes.com
E1S3 - Accountability - Update on Money, W(h)ine & Cheese and Life
Life happens when you are busy making other plans! Well, that's exactly it! and in today's episode I really want to reflect on that and think if we're really doing what we think we should be doing or if we are doing what everyone else expects of us!
In this episode we talk about self - protecting patterns, mindset, money, behaviour and lots more
Join me for a hiatus episode to begin this New Season
I talk about:
Claim your power by Mastin Kipp
You can find me:
https://moneywhineandcheese.com/
Join the Newsletter:
Digital Budget Planners:
https://moneywhineandcheese.com/homepage/
https://moneywhineandcheese.etsy.com
Courses:
https://moneywhineandcheese.com/homepage/
https://thesarafernandes.thinkific.com/courses/your-first-course
5 Things we shouldn't ignore when we start Budgeting
Motivation is THE ONE thing most people seem to struggle with when it comes to... change!
It doesn't really matter what we are trying to change, we can get all hyped and go all in for the first few days and then... we give up! Why?
Well, there are many reasons, one of them is trying to change for THE WRONG reason, another is not acknowledging the progress we are making, no matter how small! And today we are talking all about that!
Prefer to read? Check out the Blog here
Prefer to watch? Check it out YT here
As usual, let me know what you think and what are your tips to sticking to your goals?
And you can always find me here or here
Thanks so much for being here I appreciate you so much!
How to Change from a Scarcity Mindset into an Abundance Mindset in 5 Steps
A Scarcity Mindset is more damaging than the lack of actual cash! And that's the reason I talk about it so much! It's that important, not only in our finances but also in our life in general.
Mindset is the thing we struggle the most with and it takes time but you can get to a better place a place of abundance! I know your life will change once you decide to adopt this five strategies unto your life.
A scarcity mindset comes from the thought that there’s a limited amount of “resources” available and that if someone is to have that much money, then there’s none left for you!
And that’s how hoarding begins, we are constantly trying to save “things” so that we won’t lack them, sending a note to the universe of the complete opposite!
or 👇
How to stick to your Budget without Sacrificing your Lifestyle - 5 Steps to Achieve Financial Stability
How to Stick to a Budget Without Sacrificing Your Lifestyle
Do you ever feel like you're caught in a financial trap, forced to make sacrifices and cutbacks just to stick to your budget? You're not alone. Many people, myself included, struggle to maintain a comfortable lifestyle while living within their means. But here's the good news – it doesn't have to be this way. With a few strategic adjustments to your spending habits, you can achieve your financial goals without completely changing your way of life. Let’s take a deep dive into five specific strategies for sticking to your budget without sacrificing your lifestyle.
From identifying areas where you can cut back to finding creative ways to save money on your favorite things, I've got you covered.
You can find me at thesarafernandes.com
Why you desperately need a Plan for your Money!
I know I keep saying it but I bet you ain't listening! Is this one of those situations that you hear me but you don't listen?
I want you to decide to create a plan for your money before it isn't a choice anymore... because if you don't start taking care of your finances there might come a time when you simply must take drastic measures to make sure you can put food on the table and not default your payments... or if you live in France, maybe you need to think about retirement because it ain't pretty! Strikes and more strikes going on and what about that survey in the US?
It's up to you, you are in control... well, if you aren't you should be! Listen and then decide.
You can find everything about me Here or Here
Ep 7 - Why Women don't want to take care of their finances?!
Now this is something I've been hearing a lot about and I want to tell you, it's not what you think!
There's actually a very good reason why Women don't want to do this but when they do, they are amazing at it!
It's a generational thing, it's a mindset thing and it has to do with our education and our habits.
Let's get into it!
Thanks for being part of my world, I love being part of yours!
As usual, if you want to get in touch, you can find me HERE or HERE
And it will really help me out if you leave a review on whatever platform you listen to podcasts!
Ep 6 - Let's talk about Budgets - 4 most common ones are...
Desperate times call for desperate measures!
It's about that time... to start keeping track of your money! If you've been here long enough you know what I'm talking about, if not, well I'm talking about getting rid of all the stress and headaches caused by not knowing... simple ignorance, when it comes to your money! Can you afford the life you are living? I know it's easy to blame everything else but is it truly the case?
Let's do this together, find out which of the most common budgets is my favourite and the one I use and how you can start a new life when you thought that wasn't possible!
Let's do this!
You can join my newsletter ">HERE so you never miss a thing about life, money and mindset!
If you want to find out more about me you can go HERE
You can get my books HERE
Feel free to drop me a message HERE
EP 5 - How to take charge of your financial future - no it's not budget
I'm sorry about the sound, I recorded it on the go, but hey, all the goodness is in there!
Are you feeling stuck when it comes to your finances? Are you having trouble reaching your financial goals? Then this episode is for you.
I'll help you take the guesswork out of your financial future by providing practical advice on how to make your money work for you.
Before starting that budget, cutting all those expenses or going on a spending spree, just take a real look at where you are at financially.
This will guide and inform you on how you'll be able to build an organized and secure financial plan for yourself. Don't miss out on this opportunity to get on the right track with your money. Click below to watch now and finally take control of your financial future.
If you want to learn more about what I do please hit the link below. I appreciate you being here.
https://linktr.ee/Thesparklingbudgeteer
How to navigate these Crazy financial times! Five steps to keep you going.
Is it just me or groceries are extremely expensive right now?
I'm starting to panic around here and when that happens I always go back to the basics! Want to know more? Listen to the episode and share it, others might benefit from it as well!
If you like this kind of content please subscribe and leave a review, I do appreciate it!
You can find out more about me here
https://linktr.ee/Thesparklingbudgeteer
How to Budget for Beginners!
It's never easy to look at our finances, to see where our money is really going and why we are behind on our bills. I know, I've been there. That's why it's important to have a budget. Even if you don't stick to it 100% of the time, if you deviate, at least you know what you should be doing and how! And that my friend is how Miracles are created, through taking action!
To get you started on your journey, I'm offering you a 60 minute call to sort out your money, answer any questions you may have a bout budgeting and get you on your way to living an amazing life!
You can schedule it here or you can go here
For everything else you can go here
And if you want to subscribe to our newsletter you can get it here
If there are any topics you'd like me to talk about, please send me an email at sara@thesarafernandes.com
What is a No-Spend Week and why you should have one
What is a No-Spend week? And most of all, why should you have one from time to time?
Listen to the episode and learn why I do it and why you should too!
I also am revealing some of my intentions for 2023 and I want to know what you think about them...
As always, get in touch here
or HERE
Don't forget to grab your copy of the 5 Step Checklist to Organize your Life and Your Money through Decluttering HERE
What does my beauty routine has to do with your budgeting?
Are you intrigued yet?
Well, the most amazing breakthroughs happen when I'm doing something completely random! Like washing my face!
I would love to have you in my world so if you want to Claim the Life you want through Organizing and Decluttering, please grab my 6 step checklist to get started here!
As always, you can get in touch
Or here
Creating a Vision Board for 2023... better yet, a Vision Movie with Deborah Kalantari
2022 is just about over so what better time to create a Vision Board than today? I agree the best time would've been yesterday but today is the next best time!
You have more control over your life than you think! Having said that, we can all use a little help from our friends, the Universe, God, Spirit... whatever Higher Power works best for you!
You are in the right place to learn more about all of this! My friend and fellow Insight Coach is here today to talk all things Vision Board!
To know more about Deborah, you can look her up here:
https://www.deborahkalantari.com/
Deborah's online digital vision board course can be found here:
https://deborahkalantari-questforbliss.teachable.com/p/creating-a-digital-vision-board
And you can get in touch with her here:
She'd love to hear from you!
thank you for being here my friend!
Wishing you Happy Holidays! Merry Christmas!
How to navigate the Holiday Season's overwhelm!
The Holiday Season can be very stressful for most of us! If you’ve been here long enough, you know I am a Christmas person. I start thinking about it, talking about and dreaming about it in September… but it’s true that family, shopping, cooking, can be very, very stressful.
That’s why I wanted to record this episode! If that’s you, getting stressed, I want to tell you, you are not alone.
Full disclosure, I’m not a health professional and these are only my opinions and experiences I’m sharing. Remember, if you are feeling blue, please seek professional help, you don’t have to get through this alone.
Happy Holidays! Merry Christmas!
As always you can find me Here
and everything else Here
and my Amazon products Here
All this Meal Planning, Cook Once Eat Twice with Shelly Smith
One of the things we overlook all the time when we are getting out of debt, or want to cut expenses, is meal planning! And it can be a game changer! As busy moms, business owners, full time job employees, we need to save time every day and if in turn we can save money that's just a plus! And I found you the person to help you do just that!
This week, I have the pleasure to talk to Shelly Smith from Simple Rewarding Life and she's talking to us all about saving time and money with meal planning, grocery shopping and cooking! How amazing is that?
You can get in touch with Shelly here:
email: shelrs0801@gmail.com
website - www.simplerewardinglife.com
Facebook Group - https://www.facebook.com/groups/tipsforasimplerlife/
How to declutter Your life to make more money!
Have you ever thought how the amount of clutter in your life and mind can affect the money you have, make or keep? Take a listen and see how you can start to change the narrative!
It's all about wealth creating and even what Einstein had to say about it!
As always, you can find me HERE
or
my planners and Money books HERE
and you can contact me here:
sara@thesarafernandes.com
How to Create your Best Mind, Body and Life with The Disruptive Yogie's Claire Nutton
This week on the Podcast I have my friend Claire Nutton from The Disruptive Yogi who came to tell us all about being an entrepreneur, what her community is all about and why it's important to take care of ourselves, even, especially, when we "don't have the time" for it!
I hope you get as much as I did out of this episode!
Claire Nutton is the CEO & Creator of The Disruptive Yogi.
Claire coaches women on how to use the tools of yoga to transform their bodies, minds and lives. Her actual words were: "There are so many of us today struggling with body confidence, self image, burn out, exhaustion, stress, depression and overwhelm and I want to show you it doesn’t have to be this way. Using the TDY method we disrupt the traditional satire of yoga to find no bs, real world solutions to our modern day problems. I believe all women deserve to live a life of purpose, happiness and freedom from their self limiting beliefs. And I want to show you how we can go beyond the poses and use the principles of yoga to change your life."
Claire is very active and always creating some amazing thing for her community like retreats, courses, 1-1 coaching, masterclasses, live events and with her disruptive discussions podcast.
You can get in touch with Claire:
Email: Claire@thedisruptiveyogi.com
FB group: https://www.facebook.com/groups/405248937436513/
Retreat: http://Thedisruptiveyogi.wixsite.com/tdyretreat
Coming soon : the 30 day yoga body course
Life Coaching with Fiona Pimentel
In the spirit of sharing my Village with you, meet Fiona Pimentel.
Fiona is my Friend and my Coach. She's been Coaching for a while and I'm happy for you to get to know her as she's responsible for getting me to do rather than to think about doing! It's a good thing, believe me!
You can get in touch with Fiona here: seaorchardretreat@gmail.com
And find out all about her here: www.seaorchardretreat.com
If you would like to be Coached by Fiona (it's powerful!!) you can go here: https://www.seaorchardretreat.com/orchard-coaching-retreats/
Her next round of Group Coaching will be called Cowardly to Courageous. A 4-Week program for women only.
Fiona's retreat is Healing Waters and it will happen: 20-26 May 2023.
As usual you can go here to find more about me!
How to navigate the Holiday Season without breaking the bank!
You know Christmas is coming because the tune changes around here!!!
I love the Holiday Season, I exaggerate and I'm proud of myself for getting better at not exaggerating! Especially when it comes to spending money I don't have! I get a little anxious because, I'm a spender! I love spending money on others and on myself! I love gifting and receiving gifts! That's my thing! So I usually tense up thinking, are my old habits going to creep up on me? They might, they have in the past. Although each other that goes by, I'm more confident about being able to handle it better and better!
What's your take away from today's episode? Do you struggle with staying within your budget? (I sometimes do!!!) What is your strategy to not let your finances get out of hand this Holiday season?
Thank you for supporting me!
As usual, you can find me here
You can find my Amazon Daily Planners - The Life Coach's Planner - Letters to Money - Money Mindset Journal - Quarterly Money Planner
and here for everything else!
Let's talk Sales: Heart to Heart Sales to be exact with the one and only Becky Colwell!
This one is, especially, for my Entrepreneur friends.
Being an Entrepreneur, deciding to say no to the 9-5, the steady pay check and paid vacation is not easy. If anything we are Unicorns! Not everyone has what it takes... no, that's not right, not everyone will do whatever it takes to do it... and that's ok!
For me, it's been a journey, I've grown so much personally and in my business that it sometimes scares me. The truth is, I wouldn't have done it without my Squad! My Mastermind Rockstars! My village, because my friend, it does take a village! And if you haven't got yours yet, start building it because life becomes sweeter when you do!
Which is why, during the months of November and December, you will meet people from my "village". Women who are scared but do it anyway! Women, who are willing to travel to meet once a year anywhere in the world! Women who support each other no matter what! Exceptional women that turn your victories into reasons to push you that little bit further, and failures into dance parties! Because there are no failures only growth as far as they are concerned.
I am so honoured to be part of this Squad I can't even imagine life without these women.
This week you have the privilege of meeting my Business Bestie, the Amazing Becky Colwell!
Becky is the brains (and everything else!) behind Heart to Heart Sales. She is the go-to mentor if you want to sell without feeling slimy!
If you want to meet her, work with her or just say hi follow the links 👇
You can find out more about Becky Colwell and Heart to Heart Sales here: https://www.hearttoheartsales.com
Your free training on your discovery call can be found here: https://www.hearttoheartsales.com/discovery-call-framework
Follow Becky on socials here:
Website: https://www.hearttoheartsales.com
Instagram: https://www.instagram.com/beckycolwell
LinkedIn: https://www.linkedin.com/in/hearttoheartsales
The Heart to Heart Sales podcast can be found here: https://podcasts.apple.com/us/podcast/heart-to-heart-sales/id1629821665
How to join the challenge "The Miracle of Manifesting Wealth" with Diana and Sara
Have you ever wondered why some people seem to "attract" money with no effort? Why do you think it has to be hard? Well, I probably can answer that for you! You were probably told growing up, that "money doesn't grow on trees" AND "rich people are bad people" , am I right? I know I was! And it took me a really long time to acknowledge that, let alone, do something about it! I have been working on my Money Mindset for years now and it's better, so much better! but I still have days that my scarcity and fear want to show up!
That's why I joined forces with my friend Diana to bring you the challenge The Miracle of Manifesting Wealth! And in this episode we explain why, what, when and where!
If you want in on the action, you can join it here/
https://www.linktr.ee/d.intuitive.coach
or here:
https://linktr.ee/Thesparklingbudgeteer
And as usual you can find me Here and everywhere on social media!
Our Self-Worth is not that!
Have you ever thought of your self-worth as other than how much money you make at your job?
Now, be honest, if not to me, to yourself! We all have done this, which is ok, as long as we set the record straight with ourselves!
This year has been very insightful for me, as I left my JOB and started my own business and making little to no money at the beginning was very hard! If you don't think this is you, listen and then tell me!
As always, you can find me 👇
https://linktr.ee/Thesparklingbudgeteer
and if you have any questions for me or suggestions you can contact me 👇
sara@thesarafernandes.com
How to Manifest your Dream Life in 5 Steps
Do you ever think about this? To me, that’s what a Wealthy life looks like! When we feel well in all areas of our life and are free to live the life we want to live! But, what in fact does that look like? Have you ever thought about it? I thought today, we’d get to it because what I see happen (I’m guilty too!) is that we know what we don’t want in our life but we seldom take the time to think about what we DO want!
Your Redesign Your Life Workbook - here!
You can find me here:
https://linktr.ee/Thesparklingbudgeteer
Money Mindset and Miracles - Become Money Confident Bootcamp
In this episode learn about Becoming Money Confident Bootcamp.
What it's about and who it's for as well as more practical info like when it's starting!
A new Community is born! A Community by and for Women who want to live a Wealthy life but don't even know where to start.
Learn more: www.thesarafernandes.com
https://linktr.ee/Thesparklingbudgeteer
The W(h)ine & Cheese Club Community is only for Paid Members of the Bootcamp!
How to create a Plan for your life and money!
Heads up: the sound is far from perfect, actually I thought about not even publishing this episode but that's exactly what has been keeping me from recording and sharing so much information with you! The fear of being rejected, the fear that it's not good enough... so today is the day that I let go of all that fear and just do it anyway. So, I ask of you, get past the sound and listen to the information because it's valuable and important.
My commitment to you is that I keep sharing episodes because they are valuable not because they are Emmy worthy! That being said, I always want to do my best and keep getting better at what I do, but today, this is it! Can you relate? Do you avoid sharing valuable information with others because you think it's not "presented" in the best way? Let me know!
As always you can find me @the_sara_fernandes
www.thesarafernandes.com
https://linktr.ee/Thesparklingbudgeteer
How to not feel overwhelmed going into September!
Do you feel like Summer (as great as vacation is!) disrupts your year and derails your plans and goals?
In this episode, learn to give yourself some grace and do a reset! Make September feel like it's a New Year, a clean slate!
As always you can find me 👉 www.thesarafernandes.com ; @the_sara_fernandes
and 👇
https://linktr.ee/Thesparklingbudgeteer
Why I don't talk about the B word anymore!
Why I don't talk about the B word anymore!!
In this episode you can hear all about the mindset behind the struggles most of us feel when dealing with money! Why #mindsetmatters and #moneyiskey to achieving our best life.
Work with me HERE
Learn more about me HERE
And follow along HERE and HERE
For all the things: https://linktr.ee/Thesparklingbudgeteer
Track your time, track your money!
Do you know the expression time is money?
Well, maybe it's about time to really start tracking your time and your money and take both of those a little more serious!
In between the juicy pep talk you can hear the birds in the garden!
As always, please leave a comment or review, send me a message and don't forget to tell me what other topics you'd like to see discussed here!
For all contact information click the link below:
https://linktr.ee/Thesparklingbudgeteer
And consider subscribing to the newsletter it's a quick, fun read!!
How is my self-help routine similar to your (lack of) success with Budgets!
How about it?
I sometimes feel like everything is wrong with me only by the amount of self-help books I read! I might have a problem guys! 😂
Have you decided which budget is best for you? How about just starting here, go to the link and click on Ready to Become Who you are meant to be!
https://linktr.ee/Thesparklingbudgeteer
Thank you so much for being here, I appreciate you! If you have a second consider leaving a review so I know if this type of content is serving you!
you can find me at www.thesarafernandes.com
Back to the Basics - staying motivated to keep going
Hi Friend!
I know that the topic this month is necessary but a bit tough! We all know we should create a plan for our money right where we are today and yet we resist it! Why do you think that is?
I’ve been talking and writing about this for over a year now and I get the same responses from readers today that I got a year ago!
I Know it feels so hard to get into the finances and figure out what we earn and how much we actually spend, not what we think we spend, but what we actually spend! And take notes and go back because we feel we missed some vital information and that’s why maths isn’t working!
You need to remember something, the fact that you have taken the first step and taken a look at your finances, it’s huge! This is the step most people dread (yours truly included if you remember when I first started out!) but it’s this step that is going to make it possible for you to a) be ok with where you are, no matter where that is, and know you are doing what you can right now and b) get the fire under you to get to a better place.
Just like in redesigning your life, you can not know where you want to go and how to get there if you don’t know where you are to begin with! That’s just how it is! And it doesn’t matter if you have a lot of money or if you feel you are struggling every single month. If you don’t know exactly where you are, you won’t be able to get anywhere.
There are steps you can take and things you can put in place to ensure you stay on track to achieve all these things. You can get an accountability partner, a coach (I can help you here!), apps, routines… There are lots of ways you can try to help you stay the course! Don’t commit to the first thing you try! You can try multiple things and decide which works best for you and go from there.
The biggest tip I can give you is...
Go here 👇🏻 to learn all about budgets and creating plans for your money!
www.thesarafernandes.com
https://linktr.ee/Thesparklingbudgeteer
When the only “magic“ is to just get started with your budget!
o, This month I’m not actually going to be talking (writing) about a topic. Well, I am but it’s one I love to talk about, money! I’ve had some feedback on the topics I choose to write about. Most people want to “Redesign “ their lives but it seems like so much work! Others want to get out of debt but “where to start“!!! Everyone wants a magic pill that they can take before going to bed and , voilà!, they wake up in a new life.
I want to say that “I hear you“! And I hate being the bearer of bad news but… it doesn’t exist! It does not work like that! It doesn’t matter what you are trying to change in your life, be it health, money, a new partner, you have to work at it. You have to actually pay attention and be intentional for things to happen.
When dealing with our money, that’s exactly how it is too! I mean you can take short cuts and go all in and half starve yourself to death and cut all the fun from your life, yes, you’ll save money! Until two weeks later, when you get resentful and binge on life and it’s fun and spend all the money saved and then some!
So I have a different proposition for you! Why don’t you start where you are, right now? Why don’t you start by creating a plan for you! Why don’t you start where you are, right now? Why don’t you start by creating a plan for your money, just the money you have coming in every week and all the money you have going out? No agenda, no paying debt, well, not more than your payments, no cutting lifestyle… just knowing how much is coming in and how much is going out!
It sounds like a foreign concept but, tis is the first step to creating the life (financial life) you want! Yes, I realise that I’m not asking you to cut anything from your life or to start paying more on your debt. And yes, I do believe that this is the first step to become rich! If that’s your goal! This is where your life starts and it’s from here that it will tell you how you are going to live.
If I ask you right now, how much money do you need to live every week, do you know? Can you tell me the amount? Do you get anxious by me just bringing it up? Why? I know why, but do you?
You get anxious because you don’t know where you are at, with your money. it’s not that you have a lot of credit cards or because you owe a lot of money, it’s because you don’t know. And you are scared to find out because it might be even worse than you think! Am I right? I can help you with that, get on a free discovery call with me and let’s get to the root of this!
I don’t need to keep telling you that I’ve been there and I’ve done that! But I will continue telling you that until you hear and I’ll also tell you that, it’s probably not as bad as you think! Your brain...
Want to see if we can work together? www.thesarafernandes.com
everything else: https://linktr.ee/Thesparklingbudgeteer
Conversations with Friends: Kyira Wackett is my awesome guest this week!
Participant #1:
Hi, Kyira. I'm here with Kyira, and I'm going to tell you a little bit about her. So, she is a mental health therapist and speaker, has a master's degree in counselling psychology, and works in the mental health field since 2012. In 2017, was awarded the Score American Small Business Award for her work in mental health and for her work with her community project. Very impressive. Now, who else is Kira?
Participant #2
Yeah, I don't think I'm ever going to get comfortable when someone's reading your bio and you're steering it right next to me because you're like, okay. But also, I love the question of who are you besides these couple of bullet points, because I know we're going to talk a little bit about shame today. And one of the ways that our views of self gets so limited is when we only see ourselves as a few bullet points, whether those are good, bad, or neutral. But when you sort of reduce the human experience to a few things. So, yeah, I am a therapist. Like you said, a business owner. I'm a mom. My daughter turned two at the end of February. So mom to a toddler. And I would say that is my biggest journey of learning and experiencing and probably the most exciting iteration of shame work that I've done as a person so far. I live in Portland, Oregon. I'm married to my husband, Jordan. And one of the things I'm Super pumped to be here about today is to just have these conversations around money and shame and this idea of how money, which is one of our three resources, time, money, and energy, how money can be such a freeing and such an inhibiting experience and commodity. And I would say just person to person. I'm here on a level of someone that's learning to work through that. What that means. How money paints our energy, our scarcity mindsets around time, and uncovering the ways that that impacts and or can move forward some of the choices and the values that we have.
Awesome. On this podcast, I talk about money. I talk about getting out of debt. I talk about behaviours and mindset. And because I've been on that journey myself, for the sake of this episode, we will just focus on me. It's safer that way. And at least I know what it was like for me. And again, there's a lot of shame when I talk to people about it. And they don't tell the truth because they're ashamed. They either have a lot of money or they don't have money or they have debt and they don't know how the other person is going to react. They feel judged. That's what I felt back when. So in 2012, we were Portuguese and we lived in Portugal. And in 2012, my husband lost his job and the economy was crashing and not everything was kind of going bad everywhere. So he lost his job. He got another job where he was earning less than a third of what he was making before. And we couldn't make ends meet. I was working. We have three kids. It was very, very hard. So we had to emigrate to get better paying jobs, to try to get out of all that debt and try to save our house and everything. We ended up losing everything. And at the time, I was ashamed. I don't know if I was a little bit ashamed, but I was having a victim mentality. Nothing was my fault. It was the economy. My group of friends just left us because we didn't have any money, so they didn't want to be our friends. But this was eleven years ago...
https://amzn.to/3vAHCCw the link to the book Kyira mentioned in the podcast
photo credit to 📷 by Annika Bielig Bussman of SOULBASE
You can find Kyira 👉 www.adversityrising.com
Thank you so much for listening!
Redesign your life - Creating the “You are Here“ spot in your map
I asked you to look at hard things in your life but now comes the part where you get to use all that information and start moving forward in this journey!
Today we are going to “Create your RoadMap“ with the “You Are Here“ arrow! Remember when you go to a park or a shopping mall and there’s always an informative plan of the local with a “You Are Here“ spot or arrow? That’s there so that you can see where you are and then take the path to where you want to go next!
Today we are creating exactly that. The “You Are Here“ spot in your own RoadMap is the place where you will deposit all your values, beliefs and non-negotiables in your life. It’s the place you’ll come back again and again each time you take a path and suddenly you don’t feel aligned anymore with where you are going. You can always come back to the “You Are Here“ spot and take another path.
Maybe you know where you want to go, maybe you don’t and that’s ok, at least you know this is not where you want to stay and that’s huge! If you know where you want to go great, start working backwards to know what steps you need or can take today to get there. It doesn’t matter that you can do a tiny little thing today, what matters is that you are being intentional and starting!
Look, ideas are going to work, others are not, you will get things right the first time and others on your third or fourth time. It’s called life! S*** happens and we just get back to the basics and remember why we are doing this in the first place. Why do we want to live our life on purpose and with purpose?
So what does this living on and with purpose mean? Well, it means that you are going to refer to your values, beliefs and non negotiables to create your map and each time it doesn’t feel right, just go back and remind yourself what is really important to you.
Don’t compromise! I mean, sure, life is made of compromises but don’t do it where your values and beliefs are concerned! You will regret it. That’s probably why you are not happy right now with the life you are living anyway!
Again, go deep and ask yourself what those values, beliefs and non negotiables are for you. Let’s face it, if you are someone with a drive to do humanitarian work and helping war victims, working in a company where you are working 80 hours a week and there’s artillery involved is probably not aligned with who you are and definitely not the way you want to go moving forward!
www.thesarafernandes.com
https://linktr.ee/Thesparklingbudgeteer
How to Create the Life you want - Step 1...
Have you had a chance to think about last week’s question?
Well, I asked it because that’s one of the first things we ask a kid when we meet them. But guess what? It’s not really the correct question because, well, we don’t stop “growing“. Growth is the meaning of life itself! So the question really should be “what do you want to grow into?“ and we shouldn’t be asking it of only the kids, this is a question we should be asking ourselves and very often!
We are constantly growing and that means that what we thought we wanted yesterday may not be what we are aligned with today! And that shouldn’t keep us stuck in a situation, life or work related if we don’t feel well there.
I can hear you asking, so we just leave everything and go? Well, no! But it doesn’t mean we have to conform to the situation and complain about it and not do anything to change it.
Listen, we are all going to have seasons in our lives where we need to stick with the job, with the person or the situation. The real difference is what are you going to do about it to move forward and create that life balance you aspire! Or that life you want to live!
Just because you are in a job that is not at all fulfilling doesn’t mean you have to stay there forever, what are you putting in place today that is going to get you to where you want to be tomorrow! Am I repeating myself here? Well, has it sunk in yet? Or should I say it again another way? I will say it as many times as you need me to in as many different ways as needed! But you have got to hear it so that you can start moving forward!
What is the first step you need to take to embark on this journey? Well, you have to Start right here, right now with what you’ve got! This is the real key!
Remember, life is not a dress rehearsal, it’s the real deal! And today is the best next time to start this. I know what it’s like to want to wait until all the stars align and you hear the angels sing, but believe me, if that happened, you’d still need all the butterflies to be pink before you could start! It’s just that hard to leave our comfort zone. I get it, I’ve been there! In fact there are days that I am still there! You just have to decide that today is the day!
www.thesarafernandes.com
https://linktr.ee/Thesparklingbudgeteer
April is Redesign Your Life Month!
It’s April and if you are anything like me (and I think you are a little bit like me!) you are wondering where the h*** the first three months of the year went? Am I right? Is it just me or do you feel like you are just setting your goals for the year because, well, life decided to happen through January, February and March!!
If that’s you my friend, you are in for a treat! This month’s topic is the answer to your prayers! What else could we have asked for if not for a reset on our year, life, goals, , fill in the blank!
I’m going to give you the exact steps I used to Redesign my life and get it to what it is today. Now, before you ask, let me tell you, no, I ain’t there yet! To my perfect life, I mean! I’m still working on it, but if you keep reading you’ll see that life is not about the destination (we all know how that’s going to end!) it’s about the journey.
We have some power in deciding what we want that journey to look like. It can be more depressing or more joyful, we can decide that. We can also decide if we are going to be victims or “victors“ in our life. We can decide if we are going to react or respond to our life and the zillion situations we will face.
But before I lose you, let me tell you that we are starting this Redesign your Life by taking the first of the three simple steps! And the first step is: Drum roll please! Start right now, right here with what you’ve got!
Yep, it’s as simple as that! Do you know why most people are not taking action in creating the life they want to live? Because they are waiting to get to a better financial/personal/professional (whatever it is for you) situation. Now, can you tell me what your life needs to look like for you to start creating the life you really want to live?
And isn’t it a bit strange that you need to get somewhere to then start planning and creating the life you really want to live? Wouldn’t it just be easier to start planning that life right now? I need to tell you that I know exactly where you are coming from! This person I’m describing is me a few years ago, waiting to lose weight and pay debt and for the kids to grow up, so that, I could start thinking about creating the life I wanted!
But, I got news for you! You are never going to get there and be ready to take the next step! I’m sorry, that’s just how it is! There will always exist “something“ that will keep you from taking action! I know, I’ve been there.
So, for the month of April, let’s just make a pack, that we’ll take these three simple steps to Redesign our life! Are you in? I can promise you it will change your life. You will learn so much about yourself and the people around you that you will wish you’d started on this journey yesterday! But let me tell, the next best time to start, it’s right now, right here with what you’ve got!
I’ll give you the steps and next week we’ll start going over each one of them so that you get a better understanding of what it really means to redesign your life, where the concept was born and why you should really start on this journey...
www.thesarafernandes.com
Interview with Natalie LaRoche
This episode is very special because it's a very relaxed talk about life and mindset and behaviour with my mentor, business coach and friend, Natalie LaRoche. From now on, the last episode of the month will be an interview. It will be with either an expert in the area we are talking about or someone with a personal story about money or someone who I admire and want to introduce to you.
The first one to accept my invitation was Natalie, she is an amazing business coach and a specialist in mental health, something I take very seriously!
I hope you enjoy this fun, no edit episode of us having a conversation like we do so many times, we talk about everything and nothing and I know there's something in there that you need to hear.
Don't forget to check out her podcast, Mind Pulse she has set a challenge to herself to put out an episode every single day!!! It's awesome, short but very insightful episodes!
You can find Natalie here heal.me/desire2inspire and https://anchor.fm/mindpulse
for the Letters to Money journal she mentions you can find it here!
Thank you so much for being here, I appreciate you!
WTF - What To Fight (for when you are struggling!)
We have looked at our spending habits, or rather, our spending tendencies and why some people prefer spending money on things rather than experiences.
We’ve talked about how to deal with a partner that is the complete opposite to us… and yet there’s still so much to talk about!
Every time I come back to talk about money, I always end up on Mindset. I know I’ve been at it for a while now but, I come to the realisation, like, every single day, that if your mind is not in the right space, you “ain’t got this“!
What I mean is, if you are trying to change your life circumstances, no matter what it is, you need to first get to the right place mentally to then be able to put in place whatever you need to get on your journey.
As an example, I can tell you yet again about my story and how we worked for years without seeing any traction on our debt payment. Yet, as soon as we changed our thoughts, our perspectives and then took action, everything started to shift.
You may argue that mindset and action go hand in hand, one walking beside the other. I do agree but to an extent. I mean if you are not reaching the right mindset to do what you want to do, or change what you want to change, you can take steps (action) to try to reach it.
It has happened to me before, that I was so uninspired that instead of mentally trying to change, I started to put into place small routines that would take me in the direction of changing my mind and get me to the mental place I needed.
Now, having done it both ways, my take on it, is that, it’s harder to take action before you are in the right head space to move forward. For example, for me it’s the healthy habits I want to implement that have a greater success with taking action first and then changing my mind.
I want to create healthy habits, not in a: “I want to lose weight and exercise 7 days out of the week“ kind of healthy habits. More like, I want to move my body at least 3 times a week and I want to eat healthier foods.
Now, in my mind I know what I need to do, but as soon as I think I need to give up chocolate what do I start craving? You got it! Chocolate! I’ve tried the whole routine of eating fruit and then bread and then finally the chocolate (you know instead of just eating the chocolate straight away! I know, I’m not very good at listening to myself!)
But if instead I tell myself I can eat whatever I want and for breakfast I start by having a protein shake instead of bread, butter and cheese… I then think well, if I didn’t have the bread in the morning, I’m not going to have any now… and then if I didn’t eat bread, I’m not going to eat french fries, I’ll make a salad (ok maybe 2 fries!) and then I’ll have tea in a really nice cup… see where I’m going with this? By taking a small step in the morning it’s going to keep me focused during the day (well, most days!) until I start to see some results, health wise, until my mind is finally on board...
If you are wondering how you can work with me to get over all those money blocks you didn't even know you had, or that you've been struggling with, visit my website:
www.thesarafernandes.com
https://www.amazon.com/W-h-ine-Cheese-Money/e/B09VR7GSD8/ref=dp_byline_cont_pop_book_1
Having vs Experiencing: My partner is my opposite! what now?
Hi Friend! Nice to see you here again!
Well, I only have my own experiences to rely on and I will use that to explain to you, the best I can, how you can turn the situation around. I don’t mean how you can trick your partner into doing exactly what you want (but if you do figure it out let me know… research, of course!!) 😉
Seriously, I actually deal with this on a daily basis. I’m an “experiences“ kind of person and my better half, yes my husband, is a “things“ person. I’m sure you’ve had a little time to go over the differences but, let’s just name a few so that we are on the same page!
Me, The “Experiences all the way“ half of the marriage:
Love going to a restaurant and having an entrée as well as the cocktail, the main course, dessert and the wine to go with it all!
My husband, The “I love all things and I will pay extra for the one that gives me five more minutes of light in it’s overall life time“ half of the marriage:
Loves connected “everything“ at home, cars, watches, splurges on a bottle of Rum (but not on a shot of Rum at the restaurant) and tools (I doubt if he even knows what half of them do…)
See the difference? If you’ve been hanging around here for a while, you know that I love a nice Carolina Herrera bag that is probably way too pricey for what it actually is, but, if I have to choose between the bag and a trip to Bali, you bet your buns I’m going to take the trip! Sure it’s only a week but imagine the sunsets, the food and the drink and the sandy beaches and the plane ride (I love plane rides and plane food, hey! no judgement here and no I don’t need to fly executive to enjoy it!).
Now, ideally, I’ll have both thank you very much! But that’s not the reality for most of us! And I know what brings me more pleasure, and it’s going anywhere, as long as I’m going and I’m experiencing something new.
For my husband, this was just a waste of money, because at the end of that week you were left with… well, memories and a magnet for the fridge and not much else…
We both lived the same experience in very different ways! But, we’ve been together now longer than we’ve been apart so, we kinda rubbed off on each other. I think he now enjoys Experiences way too much!
…
One way you can support me and the work I’m doing is going to my website and subscribing to the newsletter that comes out once a week or buy one of my books available on Amazon. This way you can support me and get started on your new financial journey!
Thank you for being here. I appreciate you!
https://www.amazon.com/W-h-ine-Cheese-Money/e/B09VR7GSD8/ref=dp_byline_cont_pop_book_1
Having vs Experiencing: Why it's important
This month we are talking about “Having“ vs “Experiencing“ when it comes to our spending.
In which of these two categories do you fall? Do you prefer to buy “things“ that you can use over and over again or that you can look at whenever you feel like it because it brings you joy? Or, do you prefer to spend your money on “experiences“ that will make you happy and you create memories that you can cherish forever?
If you are anything like me… you kinda fall in both categories! I know that back in the day when I suffered from FOMO, I wanted to buy all the things (which I did) and have all the experiences (which I had) and voilà, that’s how we got to know each other, you and I!!! But getting back to our little conundrum, it can be hard to decide which one of these two you identify most with. For starters, when you have little to no money, you have no choice but to buy things, like first necessity items! And when you do have money you can have both.
So why even have the discussion, you ask? Well, because when you are in the middle of it all, I mean when you start on your journey from no money to a lot of money (yes, I believe you can get there, because, Mindset, just go back to February and go through the materials, you can also get help here!) there will be a moment where you can (and you should!) spend some money on things that give you pleasure, that make you happy. I remember for me, before I knew myself as well as I know now… I wanted to buy things and go out and funds were very, very limited, so sometimes I ended up buying something and regretting it! Because I would much rather go and have a nice glass of wine (couldn’t afford the bottle or the dinner!) at a really nice bar by the beach. That’s why I think it's important for you to find out in which category you are in.
Also, just because you can doesn’t mean you should, spend all your money on stuff and/or experiences if they are not bringing you joy or if you regret having done it later. Just because I can afford to go on a cruise, it doesn’t mean I’m going to do it (I get sea sick!), seriously, I’m not in a financial place where I consider it’s ok to spend $10.000 on a vacation, yet. Before you go check out the prices for a cruise, this is how much the one I would love to go on costs, there’s plane fares and 5* hotels in there as well!
Now, I am an experiences kind of person but it hasn’t always been this way. Back in the day, it was really important for me to “have“ a house, “have“ really nice things and especially “have“ a lot of things in my house. Family is very important to me, dinner parties were a constant at our house (almost every weekend) and I’d rather have that than go on vacation. Again, we both know I did both and here we are today!
My family values are still the same, however, I now appreciate much more some quality time in a nice restaurant with my family once a month and going out to have a nice glass of wine with my husband...
thesarafernandes.com
https://linktr.ee/Thesparklingbudgeteer