The Money Whine & Cheese Club with Sara Fernandes

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!

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:

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:

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:

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:

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:

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:

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. 

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 👇

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:

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:

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

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!

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!

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.

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.

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!

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!

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.

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!

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!

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... 

Are you intrigued yet?

Well, the most amazing breakthroughs happen when I'm doing something completely random! Like washing my face! 

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:

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!

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 

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!

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:

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 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!

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 👇

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/

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!

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.

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.

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:

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?

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...

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  

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!

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.