Podcasting for Financial Professionals

Time Management & Building The Life You Want | Archived Episode

“Of all the sacrifices we women choose to make in life, time shouldn't be one of them.” 

Since we can’t turn back the clock, how can we make the most of the time we have? The act of being present and appreciating the company of those with whom we share time has become more important. 

You can always earn more money, but you cannot regain time. When we look back on our lives, there are times we will never get back, no matter how hard we try, which is why it’s necessary to reflect on our mistakes and adjust our behaviors accordingly.

We need to appreciate the time we have and seize every opportunity that presents itself since the relationships you build in the here and now are irreplaceable.

In this episode, you’ll learn that time management is really just self-management. Time is not something we can control. However, you can control your actions and implement strategies to buy your time back, time-block tasks so you stay on track, and opportunities to set boundaries so you can enjoy work/life “balance.” 

Proper time management will allow you to feel more present within each task and with the people you care about. The precious moments I missed while juggling a corporate job and a growing family made me reevaluate my personal goals, boundaries, and self-management strengths.

I believe we CAN have it all. It may take time and require us to constantly refocus on our goals, but with determination, perseverance, and awareness, a life of abundance is within reach.

In this episode, listen for:

• What is really your “job” (around the house & at work)? Explore where you can hire help, delegate, or quit doing extra tasks yourself.
• The struggle in maintaining a separate work and personal life, and why that approach might not always be successful
• Everyday comes with new challenges. So when you’re feeling overwhelmed, ask yourself “What’s the priority right now?”

In this episode, you’ll also hear:

[00:07:46] Explore what’s really on your to-do list and what you can delegate or outsource.

[00:16:36] Self-management is a practice, to be improved over time. It’s not a one-and-done decision.

[18:16] Why I highly recommend “I Know How She Does It” by Laura Vanderkam and how it changed my perspective on career and household management.

 

If this episode hit home for you, share it with a friend. Simply copy & paste this link: https://link.chtbl.com/abundance

Learn more about how you CAN create the abundant life you've always wanted at www.reachingabundance.com

Follow me at www.instagram.com/reachingabundance

This episode is brought to you by: Erin Condren Planners made for any occasion.

How to Negotiate with Creditors During Financial Distress | Archived Episode

Not being able to cover the bills sucks. It creates fear in even the bravest mamas’ souls. I know because I’ve been there.

If you are having trouble making ends meet, what options do you have?

In this episode, you’ll learn who to call first, what to say, and what to ask for. I share about how my creditors helped us through and beyond rock bottom and offer encouragement and free resources for those who are there now.

Call as soon as possible, before your payment is past due. They have heard it all and will listen to your side of the story before deciding on a course of action to help you overcome your challenges.

If you don’t call, no one can help you. If you do, the possibilities are limitless!

Before making the call, give some thought to the outcome you’d like to see. Consider the following questions: While looking at your tracking/budgeting app, what did you conclude? Is this a temporary issue for this month or does it go beyond? Can you pay a reduced value this month? What is your plan to rectify your financial situation? 

Increasing your income, developing a spending plan you can stick to, setting up an emergency fund, and developing a strategy for paying off your debt are some suggestions that might assist you in getting your financial situation under control as quickly as possible.

In this episode, listen for:

• Your creditors are waiting to hear from you. They want to assist you and maintain you as a customer.
• What you have the ability to ask for while you are in negotiations with your creditors.
• To avoid having to explain your situation twice, create a shorter version to be directed to the correct person.

In this episode, you’ll also hear:

[4:12] If you’re unable to make even the minimum payment and realize there may be a problem with your payment, call immediately. 

[8:11] Before you get on the phone with creditors, make sure you have access to your most recent account statement and related details.

[12:33] Which questions your creditors might ask in order to get a better understanding of your situation to help bring your account current.

 

If this episode hit home for you, share it with a friend. Simply copy & paste this link: https://link.chtbl.com/abundance

Learn more about how you CAN create the abundant life you've always wanted at www.reachingabundance.com

Follow me at www.instagram.com/reachingabundance

 

Articles Mentioned 

https://reachingabundance.com/get-debt-free-faster-by-using-found-money/

https://reachingabundance.com/how-to-budget-while-strategically-paying-down-debt/

https://reachingabundance.com/powerful-secrets-to-a-successful-financial-journey-step-2-emergency-fund/

https://reachingabundance.com/how-to-create-your-own-custom-debt-free-strategy/

Digitally Decluttering and Increasing Presence | Archived Episode

I know I’m not the only one annoyed by the recent uptick in spammy emails and those awful robocalls. Add the never-ending phone and app notifications and junk mail to the mix, and it’s easy to understand why we all feel overwhelmed most days.

Calls, bings, beeps, and the feeling that something is happening online without us is constantly interrupting our train of thought, our family time, our day, and our attention. This episode walks you through the steps to reduce the mental and paper clutter, distractions, and unneeded input we receive daily to help you be a more present, peaceful woman.

Listen to find out how to ditch robocalls, get your name and address removed from national brokers’ mailing lists, and opt out of those annoying financial and insurance advertisements, sales calls, and spammy emails. You don’t have to live with the distractions and interruptions any longer!

 

Where did all these interruptions come from? 

1. Robocalls, scammers and random numbers-Over 31 billion automated phone calls were reported in 2017. What if I told you that you could stop receiving those calls altogether?
2. Physical Mail -Reduce the quantity of advertisements and unwanted mail that arrives at your home address so you'll have to spend less time sorting through it. Remove your address from the spam database at any time.
3. Email -Opt out of emails by clicking the "Unsubscribe" link below on any messages you find yourself uninterested in. They probably won't even notice you unsubscribed!

If you're ready to simplify your life and focus more on the here and now. The journey toward presence might be tedious and frustrating, but when you're done decluttering your digital life, you will experience a sense of freedom.

 

In this episode, listen for:

• Establishing rules in order to reduce or eliminate disruptions
• The quantity of unwanted junk mail we throw away every day contributes unnecessarily to landfill congestion.
• Eliminating any open accounts that you no longer utilize. Spam calls and letters will stop

 

In this episode, you’ll also hear:

[6:46] Although we are all connected, as a society, we are the loneliest we have ever been

 

[13:53] Eliminating digital distractions by deleting apps you don't need and unfollowing accounts

 

[19:05] Eliminating paper coupons and switching to digital ones

If this episode hit home for you, share it with a friend. Simply copy & paste this link: https://link.chtbl.com/abundance

 

Learn more about how you CAN create the abundant life you've always wanted at www.reachingabundance.com

All links mentioned in this episode are provided with the article. https://reachingabundance.com/how-to-increase-presence-by-digitally-decluttering

Follow me at www.instagram.com/reachingabundance

How To Boost Mental Health When Surrounded by Negativity | Archived Episode

We tend to think that ‘this time’ is the worst time.

The necessity of maintaining or even enhancing our mental well-being is paramount during difficult circumstances. Even when the news fills your head with gloom and doom, it is easy to lapse into unhealthy habits, both emotionally and physically, when you surround yourself with negativity. Sometimes the news might get you down, but there are easy actions you can do to keep your energy high, no matter what is happening in the world.

The Covid “lockdown” and being stuck at home have affected everyone. While some people sought guidance on how to stay strong or positive during social distancing, the abrupt change in routine and separation from others can cause emotional distress in anyone.

Connecting online is a great temporary solution, but it’s not the same.

I’ll share with you some easy strategies to improve your mental well-being at home. As moms, our mental well-being often takes a back seat. We’re too often preoccupied with making sure everyone else in the family has the support they need that our own needs get pushed aside. 

To improve your mental well-being, pay attention to these tips as you listen

1. Survival - If you have the basics covered, allow yourself to smile about that. Journal your thoughts and experiences so that you may revisit them later.
2. Happiness - What makes you happy and content? Do your best to avoid anything that will affect you negatively later.
3. Control - Life is full of modest pleasures that we can manage, allowing us to feel validated. Ask yourself what you can do today to improve the way you feel tomorrow.
4. Personal Growth/Development - Find a topic of interest to you and dive in.
5. Luxuries- Recognize what you already have.  

In this episode, listen for:

• Remember, even if we are experiencing difficult circumstances, they are temporary
• You can exercise control at any time, in small ways, throughout your life.
• A key aspect of personal growth is to assume everything is adjustable, alterable, and negotiable. What can you do to make yourself happier?

In this episode, you’ll also hear:

[6:06] Your thoughts and emotions aren’t necessarily yours. By whom or what are you being influenced?

[11:52] Prioritize your tasks and divide that long to-do list into manageable chunks for each day 

[13:51] Whatever you do, make an effort to surround yourself with people, activities, and habits that will make you joy

If this episode hit home for you, share it with a friend. Simply copy & paste this link: https://link.chtbl.com/abundance

Learn more about how you CAN create the abundant life you've always wanted at www.reachingabundance.com

 Follow me at www.instagram.com/reachingabundance

 

Article mentioned 

https://reachingabundance.com/everything-you-need-to-know-about-how-debt-affected-my-life/

 

Courses Mentioned 

Earn More Writing: https://earnmorewriting.com/p/earn-more-writing/?affcode=70083_phq0pvmn

Grocery Budget Makeover https://www.grocerybudgetmakeover.com/join/?orid=246303&opid=41

Blogging Workshop

https://order.goldcityventures.com/blogging-workshop/?affiliate=eldervirginia

 

Books 

Tiny Buddhas Journal: https://amzn.to/3drnH3H

Instant Happy Journal: https://amzn.to/3zVhapz

The Awakened Family: https://amzn.to/3QH80Uk

Financial Freedom: https://amzn.to/3zWu32v

 

Navigating the Coronavirus Lockdown With the Family | Archived Episode

The Coronavirus Pandemic has suddenly shut down schools & restaurants, canceled playdates & birthday parties, and left us trying to homeschool our kids. On top of that, we adults are attempting to work from home while managing the family dynamic. 

Here are links to free homeschool resources, an article about how to talk to your kids about Covid19, a link to 30 meals with 5 or less ingredients, and more to help mamas cope with the quarantine recommendations and manage the family with an abundant mindset through it all. 

www.reachingabundance.com

 

Are You Allowing REAL Self-Care Into Your Life? | Archived Episode

REAL self-care isn't about false eyelashes, manicures, bubble baths, or lavish treats although that's what seems to get attention on social media. 

But what's REALLY self-care? And how can we, as mothers, set a positive example for our children to love themselves?

“Self-care is calming the nervous system, not just meaningless activities.” - Lavinia at Quantum Body Wellness

I’ve been thinking a lot about making time for self-care in our hectic schedules. No, I don’t mean going out and getting my nails or hair done; rather, I’m referring to self-care that actually enhances our quality of life and serves as a constant reminder of the importance of the contribution each of us makes to the world.

Self-care is often thrown around loosely when someone is pampering themselves, simply for the envious attention they’ll get from their followers, but that they are stretching the budget to afford. 

Society or the patriarchy, however you want to spin it, has trained us to believe that self-care is embedded in looking and feeling beautiful. Facials, manicures, pedicures, and highlights are touted as self-care all over social media. 

But what happens when that type of “self-care” simply perpetuates being over budget and feeling like our natural nails/hair/skin are something to be improved? Those fresh tips might feel fancy for a week and garner compliments, but what happens when that feeling fades? You’re still stuck with the credit card bill.

It all comes down to what image you’re trying to uphold or prove and why. 

What lie are you perpetuating through those actions in order to fill the void and maintain the image? These are the questions you need to ask yourself when you’re in an attempt to have real self-care. 

Have you ever felt guilty about taking a day for self-care? Because if you feel bad afterward, it’s not real self-care.

True self-care and abundance are aligned - they’re both of your own definition and when you practice self-care that’s true to you. Stay tuned to find out what self-care means to me and how this level of abundance can trickle down to your family. 

Self-care is about enhancing your own well-being and the well-being of others you care about for the rest of your life. Guilt-free self-care includes: saving for retirement, working out, meal planning, getting a massage, cleaning the house, hanging out with friends, practicing yoga, talking to a therapist, and even hiring help. You’re probably wondering how on earth these activities qualify as self-care. Using any of these techniques can help you relax and focus your mind.

In this episode, listen for:

• The coping mechanisms we may use for self-care and avoid facing our true feelings
• My journey through self-care and how it has affected myself and my family
• A decluttered space equals a clearer mind

In this episode, you’ll also hear:

[12:51] If it's something that will result in any measure of guilt, it's not true self-care

[22:51] Dropping the excuse that we don't have the time

[32:08] Inadvertently, we project our innermost feelings and thoughts onto others

 

If this episode hit home for you, share it with a friend. Simply copy & paste this link: https://link.chtbl.com/abundance

 

Learn more about how you CAN create the abundant life you've always wanted at www.reachingabundance.com

 

Follow me at www.instagram.com/reachingabundance

Quantum Body Wellness- https://ayurvedafusionmassage.com/

This episode is brought to you by erincondren.com - Daily planners designed with mom life in mind.

How to Teach Kids About Money | Archived Episode

A large part of teaching your children about money is understanding their brain development by age and learning what concepts they can comprehend at that stage. Inside this episode, I break down cognitive development by age group and discuss what you can teach them based on their ability. 

Want to make sure you set your kid on the path to managing their money well? This is the episode you’ve been waiting for! I share educational activities you can try, when to establish chores, when to open a bank account, how to teach them when to spend and when to save, and even when to introduce investing.

If you’re wondering when to start teaching your child about money, the answer is now. In the absence of direct instruction from us parents, our children will form their own opinions and gather information on their own.  Enjoy conversing with your kiddo, ask them questions, and, most importantly, make money an openly discussed topic in your household.

If you’re hesitant and wondering how even to begin teaching your kids about money, take a step back and think about what you wish you were taught. By teaching our children about money today, we’re making a beneficial impact on their future. 

Even if you fear awkwardness, are afraid you’ll “do it wrong,” or are unsure where to start, it’s better to start talking about money management now, when the risk is with the value of a toy, rather than later when the value is in the amount of monthly rent.

 

Money is an essential part of life. So just as much as we harp on brushing teeth properly, we should also be sharing financial fundamentals and including pricing comparisons, risk evaluations, and budgeting in regular conversations.

Being a positive role model and sharing open discussions about how money works are the two most important things you can do for your children’s financial future. Even when you make financial mistakes or are embarrassed about choices with money, having an open conversation with kids about those mistakes and your feelings can have a positive effect on their perspective of how money works, can be handled, and as a tool toward building wealth.

 

An Outline of Your Child’s Brain Development:

Birth-2 Years Old: Sensorimotor Stage- Your baby learns about the world around them and develops an understanding through their senses. 

3-7 Years Old: Pre-Operational Stage - Your child’s short- and long-term memory, imagination, ideas, and understanding of symbolic representation are all growing throughout these early preschool to early elementary years.

7-11 Years Old - Understanding of how the world works and gaining a better grasp on cause and effect occur during this time in a child’s life.

Beyond 11 Years Old - During these years, the discussions might be more in-depth, and can provide opportunities for kids to undertake things independently.

 

In this episode, listen for:

• 3-year-old brain structure and neuronal connections throughout brain development
• Our children’s brain growth is encouraged by the positive behavior we exhibit and the interactions we have with them
• Debit card system you can create with your child which can teach them value, savings and how to handle cash

 

In this episode, you’ll also hear:

[00:04:55] It’s possible for toddlers as early as three to grasp basic money concepts. At age seven, children begin to establish their money mindset.

[00:07:14] A person’s ability to change and grow as a result of a single event is referred to as neuroplasticity.

[00:17:03] Delayed gratification and the 3 steps to teach your children and help them understand what it means 

 

If this episode hit home for you, share it with a friend. Simply copy & paste this link: https://link.chtbl.com/ZNAaUu_J

Learn more about how you CAN create the abundant life you've always wanted at www.reachingabundance.com

Follow me at www.instagram.com/reachingabundance

FREE printable Financial Goal Coloring Sheet

Kids Money Books List 

Kids Debit Card system: www.famzoo.com

 

7 Awful Financial Ideals and How to Handle Them | Archived Episode

I guarantee you can recall one instance of terrible financial advice you received in the past. Whether it was an innocent statement from a friend or a long talk with a well-meaning relative over a family meal. 

Unfortunately, it’s these well-meaning pieces of financial advice that can actually inhibit our financial progress.

It’s time for you to take a step back and choose the financial advice nuggets you want to keep and ditch those that make you feel restricted, bad about yourself, or guilty in any way.

It’s very “normal” to struggle with finances - financial conversations, knowing what to do first, and even knowing HOW to do some things with our money just simply wasn’t shared with us when we were young. 

A common misconception is that as we get older and our income rises, we’ll be able to pay off any debt we accumulated in our early adulthood. The unfortunate truth is that those accustomed to living beyond their means will always live beyond their means, whether they make $50,000 or $500,000 per year.

Not only were we not taught how to manage money well in school, but the ever-circling bad financial advice is also working against us too! It might stem from a great marketing ploy, persuasive economic report, or a well-meaning relative simply because it worked for them, but it might not work for you and your situation. 

In this episode, I'm going to share some of the poor financial advice I received in the past and how I came to this road of self-discovery to find what works best for my family and me. If you've been given terrible money advice, this episode will not only help you become aware of it, but it will also help you get the courage to dismiss it totally.

Establish Credit As Early As Possible - As a teenager, I was told that I should get a credit card as soon as possible in order to establish credit. Unfortunately, since I wasn’t taught to manage the credit or understand the statement, that led me toward a game of financial roulette each month. 

Your Credit Score is Important- The great myth here is you have to “work” on your score. Of course, when you make a big purchase, such as buying a home, you need a good standing score, but you don't need a perfect score to survive. With solid financial habits in tow, your credit score will naturally improve. 

Renting is a Waste, Homership is Key- It was engrained in my brain that owning a home is better than renting. Without a more in-depth explanation or financial strategy, this advice has first-time homebuyers overcommitting themselves, putting an undue burden on their career and potential income. 

If you can afford the payment, you can afford the thing - Our desires and budgets are focused month-to-month, and this short-term vision leads to years of creditor pressure and our incomes being siphoned away by payments. 

Just Save $1,000- For many people, this is a key factor in moving toward financial abundance and away from credit reliance. Establishing a $1K emergency fund isn’t about just saving $1K. Ideally, you start saving, it becomes a habit, and then you continue to make progress. 

Cut Up Your Credit Cards to Get Out of Debt - Credit is a tool, and there are several advantages to having credit cards. Close any you aren't using or that you don’t like. Credit only becomes a problem when you’re consistently spending beyond your means.

In this episode, listen for:

• Should you use a credit card if you don’t have the cash?
• Breaking the cycle of credit dependency
• What is your priority? If it’s investing, can you own a home and still remain focused on the goal?

In this episode, you’ll also hear:

[00:16:27] Using an example to help you better comprehend how you will pay off your credit card

[00:21:35] Practice positive controlled reasonable financial behavior 

[00:26:23] You don't need equity unless you want to utilize it, just like you don't need credit.

 

If this episode hit home for you, share it with a friend. Simply copy & paste this link: https://link.chtbl.com/EG1droGz

Learn more about how you CAN create the abundant life you've always wanted at www.reachingabundance.com

Follow me at www.instagram.com/reachingabundance

This episode brought to you by famzoo.com - creating healthy spending habits for your children 

Parenting Consciously and One Simple Action that Affects It All | Archived Episode

All the decisions I’ve made over the past decade are fueled by the desire to provide my children as many opportunities as possible.

The world is changing at a rapid pace, and just like we have opportunities that weren’t available to prior generations, our children will have opportunities that weren’t available to us. The key is for us to equip them with the mental strength, self-belief, and communication skills they’ll need to make the best of those opportunities.

In this episode, I’m sharing my thoughts on motherhood and how mindfulness around parenting is propelling my family forward. Change in others begins in you. 

So when we, as mothers, take the time to understand our reactions and assumptions, evaluate what we desire from each situation, implement self-care, and outline behavorial standards for ourselves, we alter the way those around us act. Remember, children do as we do, not as we say.

I want the best for my family, and I know you want the same for yours. All of us want to provide as much education, opportunity, and positivity for our kids as we can.

For many years now, I’ve been emphasizing to my children that everyone has emotions, and it’s okay to express those feelings. By providing the emotional support, open dialogue, and patience we needed as children, we have the opportunity to disrupt negative patterns that were accidentally passed to us by our guardians.

The cycle of broken families, abuse, and neglect ran deep in my family, and I knew I had to do something about it. And I’m willing to bet you have the same thoughts!

As I envision the possibilities for my children, I’m not planning their future career paths or establishing external measurements for succes. Instead, I’m interested in how we can support their mental and emotional growth so they CAN achieve great things along any path they choose. 

In this episode, listen for:

• Concentrate on what is important to me and the people I know
• The gift of seeing the greatness in people and believing but on the other hand can be detrimental to my emotions 
• Giving our children space from them to become the person they’re supposed to be 

In this episode, you’ll also hear:

[8:03] How to make a concerted effort to uplift, instruct, and discipline children with compassion and an understanding of the lasting effects of your actions.

[9:03] Ruling your home with compassion rather than fear. Inevitably, children will require discipline, but how you approach that punishment makes all the difference.

[14:35] You can't want more for someone else than they want for themselves.

 

If this episode hit home for you, share it with a friend. Simply copy & paste this link: https://link.chtbl.com/concsious

Learn more about how you CAN create the abundant life you've always wanted at www.reachingabundance.com

Follow me on www.instagram.com/reachingabundance

This episode brought to you by Cozi - the calendar app that keeps my family organized

12 Guilt Free Habits that Create Money Momentum | Archived Episode

Wouldn’t it be great to spend without feeling guilty? Or even better if you could turn your finances around while still enjoying a little for yourself along the way.

I’m over it! I vow to never again to make a purchase and slink out of the store like I just got away with murder. I also vow to budget in a way that still allows joy WHILE I achieve my goals. 

We all carry unique money perspectives which affect the way we react to financial tension, our spending and savings habits, and how we approach our financial goals. I am an all-or-nothing type gal, so when I first started budgeting, I cut ALL the fun stuff - that didn’t work.

In this episode, I share 12 habits that changed how we operate with and view our money and time. If you can just implement one or two of these habits and begin to feel the positive effects in a day or two, just imagine what that can do over the course of your life!

Everyone has access to abundance, no matter who you are or how much is in your bank account. Financial abundance is a mindset. 

There are some financial behaviors, however, that can transform your financial life for the better and perpetuate feelings of financial abundance.

I encourage you to think critically as you listen today and choose which of these would make the biggest difference in your life. You can create a less chaotic, more abundant life by picking just one or two changes you desire to make, and then working on that piece until it runs like a well-oiled machine.

Although sometimes hard to face, financial issues don’t diminish when ignored. Unfortunately, it’s more likely that they’ll expand until you’re forced to face them. Late fees accumulate, interest adds up, and if left unattended long enough, scars show up on your credit report. 

With Mint.com, you can see your entire financial picture, allowing you to be fully informed so you can make the best possible decisions with your money. The more you track and understand your financial habits, the more likely you’ll spend and save in alignment with your goals.

These are the 12 financial habits that helped me build momentum toward my money goals, ditch financial guilt, and create more financial abundance in my life: 

• Immediate Needs - Make sure you are only buying what you need 
• Quit Pulling Extra Cash Out -Set a limit on the amount of cash you take out and only take that specific amount. A little extra here and there for no reason adds up.
• Budget - Instead of feeling like the budget sets a cap on your spending, flip your perspective - each budget line says you’re allowed to spend that much!
• Planning Ahead/Time - By looking at the week ahead, you’ll know what to expect and can plan financially for any potential challenges
• Communication - Discussing your plan for money for the month/week and having an open dialogue
• Stay Informed - Logging in to your tracker, bank accounts, and credit accounts on a regular basis will help you see patterns and plan for them so youre not scrambling 
• Automation - set up direct deposit for your paycheck, automated savings deposits, and autopay for minimum payments so you’ll never stray from the plan
• Multiple savings accounts - When each account has a purpose, you know exactly how close you are to your goal. Things are much clearer than if you had one lump savings account.
• Declutter - Free your physical and mental space of the junk. You can pad your pocket with the profits too.
• Free Fun - There are SO many free and fun activities out there. Why spend if you don’t have to?
• You’re Not Fancy - There are times to go all out or all in. Every day is not that time. Can you be frugal in small ways now so you can be fancy later?
• Don't Blindly Pay or Purchase - Look at your insurance and utility bills every 6 months. Negotiate prices and shop around to find a better deal that will better suit your needs. 

In this episode, listen for:

• What works best for YOUR family? Explore, test, and reconfigure until you find the best apps, methods, and routines to manage money well in your family.
• The ultimate reason you create financial goals and a budget to get there is so you can enjoy your life and your family
• If you generally feel discomfort around managing money, there’s something going on under the surface. You aren’t bad at math and money doesn’t hate you. 

 

In this episode, you’ll also hear:

[00:08:48] Creating a zero-based budget. Every bit of income is designed for a purpose 

[00:14:24] Planning ahead creates peace and happiness because we are able to talk about expectations ahead of time 

[00:29:18] The many benefits of decluttering your physical space include less housework, more mental space, and, if you sell the items, more cash in your pocket.

 

A few of my recommendations:

Calendar app - Cozi 

Course - Your Uncluttered Home

Financial Overview App - Mint 

Budgeting App - You Need a Budget

 

Follow me on:

Instagram @reachingabundance

www.reachingabundance.com