If you are a small business owner or you plan to become one anytime soon, I can almost guarantee that one of your biggest concerns right now (if not the main concern) is how to make your business profitable in the long term without burning yourself down to the ground. Or some version of this. Well, today is your lucky day!. In this week’s episode, our guest, Dr. Karwanna D. Irving (aka, The Queen of Government Contracts) will share her playbook to do just that. Shall we dig in?Typical advice for new business owners usually emphasizes a few “well-known” things. First things first, being in business is hard –the first few years will feel like an absolute grind (#yikes). Second, you have to start small to test the ground and gain momentum –forget about big contracts in year one. You should focus instead on perfecting our processes. And finally, the most important thing: you need to price yourself competitively –meaning, you have to find a rate that your client is willing to pay. Well, in today’s HDM episode we will be doing a thorough revision of those deep-rooted beliefs because, let’s be honest, every small business owner out there gets into business for similar reasons. Increasing their incomes is an important part of it, but so is taking back control of their time and gaining a sense of personal freedom. Savvy business owners understand that entrepreneurship doesn’t have to mean fulfillment: trading time for money can only take you so far.In this episode, Dr. Karwanna D. Irving, CEO and Founder of She’s Got Goals, author and Government Contracts expert, will share with us her playbook to scale your small business using the power of big contracts.In this episode you will learn: Why following typical business advice is not the best way to scale.The A to Z of getting started with government contracts.The biggest mistakes small businesses make when attempting to secure a government contract.For a quick recap of this episode go to https://www.jenhemphill.com/422The post, Scaling Your Business Through Government Contracts | HDM 422 appeared first on the Her Dinero Matters Podcast.

If you are among the 44% of Americans who want to get rid of debt in 2025, but you are still not sure what the best way to achieve this goal, this week’s HDM episode is for you. Today, Rachel Hart, founder of Budget, Save and Blog will walk us through the radical debt-repayment plan that allowed her to slash $78,000 in credit card debt in only 1.5 years. Shall we dig in?If you’ve ever tried to set up a truly long-term goal (think at least 3+ years from now), you know that doing this falls perfectly in the proverbial easier-said-than-done category. The main problem? Our brains are wired to privilege short term satisfaction over long term success. Getting an instant $20 cash rebate from a $1000 purchase? Yes, please. Receiving thousands of dollars in ROI after 30 years of investing? Honestly, not that enticing (who is willing to wait 10 long years to see the reward coming, if it ever does?).This is why paying off debt sometimes feels like an impossible quest, especially if the amount of money you have to repay is substantial (to the point where it surpasses by far your current income levels). With such a huge number living in your head all the time, it's easy to feel discouraged, demotivated, and, sometimes, even hopeless. But, what if there was a way around this? What if you could build a plan to slash all your debt in record time? What would be the trade-offs? And most importantly, would you be willing to accept them?Well, this is exactly what we’ll be talking about in this episode. This week we are having a down-to-earth conversation with Rachel Hart, founder of Budget, Save and Blog and host of the Money Moves for Latinas podcast. Back in 2021, Rachel slashed $78,000 in debt in only 1.5 years, a financial feat that must be discussed. In this episode you will learn: Rachel’s radical plan, explained.The trade-offs behind an aggressive debt repayment plan.A key piece of (unconventional) advice for those who are in a debt-repayment journey.For a quick recap of this episode go to https://www.jenhemphill.com/421The post, Fast-Track Your Way Out of Debt | HDM 421 appeared first on the Her Dinero Matters Podcast.

If you love to plan for things, you already know that thinking ahead has some serious benefits in the mental peace department –when you plan things in advance, you remove some of the uncertainty that our brains tend to associate with all future-related events. In this week’s episode, I’ll share with you what the financial benefits of thinking ahead are and how you can put yourself in future-me thinking mode.You don’t need to specialize in financial forecasting to understand that, when it comes to personal finances, making decisions and planning with your future self in mind has some major advantages. Intuitively, we all know that long-term planning (aka, thinking ahead) coupled with consistency is, admittedly, one of the best strategies out there. However, when you are immersed in the day-to-day grind, where the rhythms of life pulse in a never-ending staccato, it's easy to forget that there’s more to the day than your never-ending to-do list. You also have goals and dreams, future projects and plans that are brewing in the back, a vision of how you want your life to be. And none of that will come to fruition today, or even over the next few days.The only way to access that well of possibilities is by harvesting the power of thinking ahead and planning for your future success. Although every human being is already equipped with all the tools needed to plan and think about their future selves, not everyone knows how to intentionally tap into that pool of possibilities. This is why in today’s episode, I’ll share with you what the benefits of thinking ahead are and how you can put yourself in future-me thinking mode. In this episode you will learn: Five reasons why thinking about your future money self matters.  A practical exercise to start listening to your future money self.A recap of the main lessons that you’ll get once you start thinking about your future money self.For a quick recap of this episode go to https://www.jenhemphill.com/420The post, The Magic of Thinking Ahead: Meet Your Future Financial Self | HDM 420 appeared first on the Her Dinero Matters Podcast.

Achieving financial stability doesn’t have to feel like an uphill climb all the time. In fact, it’s possible to build a strong financial foundation without feeling overwhelmed by your own numbers (spoiler alert: the whole journey can even be fun!). In today’s episode, Dr. Darla Bishop will share why being “good” with money doesn’t require an advanced degree in economics or superior mathematical knowledge. Shall we dig in?If you are a regular listener of personal finances podcasts, chances are you know someone who is really “good” with money. Meaning: for as long as you’ve known them, this person has never shown visible signs of financial struggle. From ongoing conversations, you know they’ve been working the same job for quite some time, paid their bills consistently, took regular vacations with their families, and even managed to offer support for their college-aged kids. The most surprising thing? You know, for a fact, that generational wealth is not at play here. Your acquaintance didn’t inherit a massive state or is supported by a hefty trust fund. They are a regular, everyday person, with a regular job and half a dozen bills to pay,  just like you. And yet, their lives couldn’t feel more different, and deep down inside, you can’t stop wondering why.What exactly gave them their advantage? What’s at play here? In this week’s episode, we are going to dig deep into this in an open convo with Dr. Darla Bishop, the author of How to Afford Everything, a practical guide for those who are starting to figure out their money. Darla will share her insights on the steps you need to take now to finally become “good” with money. In this episode you will learn: Why small financial wins are so important.How everyday people can attain financial stability (plot twist: it all starts with a mind shift).The real impact of changing your mindset. For a quick recap of this episode go to https://www.jenhemphill.com/419The post, Financial Stability for Everyday People: How To Get There | HDM 419 appeared first on the Her Dinero Matters Podcast.

When you are living in a financial situation filled with dramatic ups and downs, sometimes you start to sense that maybe, just maybe, the real culprit behind the craziness is everything… but the money itself. Yes, you might not be bringing in the income you want, but something inside you suspects that, even if you did, your current situation would still be a thing. If this paradox feels familiar, this is your episode. This week, Jessica Moorhouse is back on the podcast to share her insights on why, sometimes, our financial struggles have nothing to do with actual money. Shall we dig in?If you are a long-time listener of this podcast, chances are you’re also the proud owner of solid financial knowledge. You’ve probably read your fair share of money books, are constantly on the lookout for down-to-earth financial advice, and, overall, you do have a good understanding of where your finances currently stand. The ups and downs of your daily money management are not that new to you. And yet, if a random stranger were to ask you how satisfied you are with your current financial situation, I suspect your answer wouldn’t be super enthusiastic. Maybe you feel nowhere near hitting your goals. Or maybe you’ve made progress, but you just don’t feel a real sense of achievement. Maybe you’ve been learning a lot and following sensible advice down to the T, but you don’t see objective improvements in your current financial situation. If any of these scenarios feel familiar, you’ve landed on the right episode. This week on Her Dinero Matters, we are having the amazing Jessica Moorhouse back in the podcast. Jessica will share her insights and learnings on those pesky hidden barriers preventing you from attaining financial freedom, once and for all.In this episode you will learn: Why financial literacy alone is not enough.How emotions and past experiences shape the way you think (and act) around money.The role that privilege plays in our financial journeys. For a quick recap of this episode go to https://www.jenhemphill.com/418The post, Money IS NOT the Problem: The Invisible Wall Between You and Financial Freedom | HDM 418 appeared first on the Her Dinero Matters Podcast.

Are you tired of creating complex spreadsheets (sophisticated expense categories and advanced formulas included) only to realize a few weeks later that you are not following your carefully crafted plan? If you are still chasing the proverbial one-step budgeting/financial solution that will put your finances on the road to guaranteed success, this episode is for you. This week, Nicole Stanley, founder of Arise Financial Coaching, will share what you can do today to inject a dose of Money Momentum into your finances. “Spend less and save more.”“You can’t take vacations if you’re in debt”.“Before getting groceries, always check prices in different places.”.“Don’t buy things you don’t need.”“Stop buying $5 lattes.”When was the last time you heard this type of money “advice”? If you’re anything like me, the answer is probably “far too often”. While the intentions of the advice-giver usually come from a place of genuine care and desire to help, the unfortunate truth is that, when taken at face value, these pieces of advice rarely fix anything. Instead, they make us feel ashamed, unfit, or just plain incapable of fixing this big can of worms that is your finances. But, what if there was a way to not only “get” financial knowledge, but also act on it and thus gain momentum in the process? What if you had a framework that walked you through the essential steps you need to take to finally put your finances in order without the shame or the limiting stories that may be feeding some misaligned beliefs? Well, that’s exactly what Nicole Stanley is sharing with us today. This week in Her Dinero Matters, Nicole will share with us 3 major truths she discovered in her own journey toward financial success. Nicole Stanley is the founder of Arise Financial Coaching, where she offers shame-free financial education that empowers women. In this episode you will learn: The importance of reshaping your own financial narrative.The steps you can take today to inject your finances with momentum.Why “being frugal” is not always the answer (plot twist: yes, you can take that too far!)For a quick recap of this episode go to https://www.jenhemphill.com/417The post, When Money Meets Momentum: 3 Truths To Reset Your Finances | HDM 417 appeared first on the Her Dinero Matters Podcast.

If you feel that 2025 kicked off with an excess of horsepower —to the point where you are already holding on for dear life just to stay afloat (and it’s not even spring!)— this brand new episode of Her Dinero Matters may be just what you need. This week, we are finally kicking off a new season with a much-needed opening convo: What do you do when overwhelm starts knocking at your door? Intellectually,  we all know the world is constantly changing. No matter where we are or what we do for a living, every day we wake up to the realization that our environments and circumstances are always adjusting. However,  one thing is experiencing a few “normal” changes here and there, and quite another is being immersed in a world that shifts and turns at a breakneck speed, without having enough time to properly accept and integrate all the newness. If you’ve ever felt that everything around you is changing at an impossible speed, you’re not alone. In fact, a recent Globe Scan survey revealed that 8 in 10 respondents acknowledged feeling that the world is changing too quickly.  If you’d ask me, I’d say this is a recipe for anxious thinking. This is why I want to launch a brand new season of the Her Dinero Matters podcast with a much-needed convo around chaos and overwhelm. How do you navigate a world that sometimes feels like a non-stop source of uncertainty? Let’s talk about it.In this episode you will learn: Update time! What has happened in the past few months?My vision for this new podcast season!4 steps you can take today to deal with those pesky stressors (financial or not) that are impacting your life. For a quick recap of this episode go to https://www.jenhemphill.com/416The post, Navigating Chaos and Overwhelm: A 4-Step Survival Guide | HDM 416 appeared first on the Her Dinero Matters Podcast.

Have you ever felt so exhausted that you’ve found yourself dreading the things that only a few weeks/months ago brought you all sorts of joy? Do you feel that your energy and willingness to engage with your daily routines have evaporated? If the answer to any of these questions is yes, you might be engaged in a silent battle with a major public health enemy: burnout. In this episode, I’ll share with you my own burnout story and what I am doing to tackle it. Unfortunately, burnout is pretty much everywhere. The stats don’t lie. According to the SHRM’s Employee Mental Health Research Series, 44% of the survey respondents feel burned out and 51% report feeling “used up” at the end of their workday. It seems that in today’s work culture, burnout has become a standard. However, as it turns out, this 21st century is not limited to traditional workplaces. In this episode, I’ll share with you my own burnout story and what I am doing to tackle it.In this episode you will learn: Storytime: the full chismecito! What am I doing to get myself out of this phase? 3 questions you need to ask yourself to assess your situation. For a quick recap of this episode go to https://www.jenhemphill.com/415The post, The Road To Burnout: Is There a Way Out? | HDM 415 appeared first on the Her Dinero Matters Podcast.

Wishing you and your loved ones a holiday filled with joy, love, and abundance. Thank you for being a part of this community—we wouldn’t be here without you.Happy Thanksgiving!

Have you ever felt mildly uninspired by your job, career, and in general, the everyday routine? It’s not that you don’t enjoy what you do or think there’s something wrong with how things are going. No, nothing like that. It’s just that, sometimes, the realization that you don’t feel seen or heard in certain situations is too hard to ignore. If you ever felt that, this week’s conversation will surely provide that extra dose of inspiration to reclaim your career path. In this episode, Carrie Peralta will share with us her insights on the biggest roadblocks that Latinas still face in the workforce and how to overcome them. Although nowadays our workplaces are more diverse and inclusive than ever, it’s undeniable that Latinas still have a long journey ahead, especially when it comes to breaking into highly competitive industries, like tech and finance. This is why this week’s interview with Carrie Peralta feels especially relevant. Carrie is a Career Coach and founder of Peak State Coaching. She’s on a mission to support tech talent, particularly that of women, BIPOC, and LGBTQIA+ individuals, in building the confidence, clarity, and self-awareness required to transform their professional journeys. In this episode you will learn: Why advocating for yourself is the single, most important thing you can do to advance your career.The difference between mentorship, allyship, and sponsorship.Tips to crush that compensation conversation we all feel queasy about like an absolute pro. For a quick recap of this episode go to https://www.jenhemphill.com/414The post, Career Roadblocks Ahead? How To Develop Unshakeable Confidence To Elevate Your Career | HDM 414 appeared first on the Her Dinero Matters Podcast.

If you’ve ever browsed your library’s psychology/self-help section, you know that boundaries are everywhere. No matter where you turn or who you ask, the topic always resurfaces, claiming its spot at the top of your list of good habits to acquire. However, one thing is talking about boundaries and another is actively setting them up. If you still struggle with this (FYI, you’re not alone!), maybe it’s time for a lil’refresher. In this week’s episode, I’m sharing a quick primer on boundaries, why they matter, and how having a couple of them firmly set can (and will!) enhance your holiday experience. If you are anything like me, you know actively setting up boundaries sounds way, way simpler in theory than in practice. The problem is that no one teaches how to do this, or even what types of boundaries to set and when. This lack of actionable insights becomes a glaring issue around the seasons when social interactions and demands for your time increase, such as the holiday season. This is why, this week I decided to put together a quick reminder of why setting boundaries during busy seasons is so important and how would those boundaries look like

When was the last time that things didn’t go according to plan? If you’re anything like me, “quite often” is probably your answer (and there’s nothing wrong with that). The reason is simple: even the best thought and carefully weighted plans cannot keep life from happening, sometimes in the most random ways. In fact, although eliminating the unexpected from your life is almost impossible, no one ever teaches you how to react to life when things massively deviate from your original plan. This is why, in today’s episode, I’ll share with you five things you have to practice if you want to make your peace with the unexpected. We’ve all had a moment (or two) when we swore a plan or project would turn out alright. Maybe the whole thing was a low-stakes, low-pressure project where virtually nothing could go wrong, or maybe this plan was just replicating something you had already done in the past with a decent amount of success. In any case, the expectations were low, and your confidence soared. This is why, when things didn’t turn out as expected, all you could do was stare at the facts in disbelief. Did you forget an important point? Were you not prepared enough? It may sound a tad irritating, but the answer is far simpler: unexpected circumstances usually happen… well, when you least expect it! And in no other sector is this as true as in finance.In this HDM episode, I’ll be sharing a personal story that shows how life’s curveballs don’t have to derail you from your path. In this episode you will learn: What does the unexpected have to do with your financial life?Reasons why unexpected situations can be so overwhelming.The 5 key lessons that you can take away from unexpected life disruptions. For a quick recap of this episode go to https://www.jenhemphill.com/412The post, What You Don’t See Coming: Five Lessons From The Unexpected | HDM 412 appeared first on the Her Dinero Matters Podcast.

Imagine waking up one regular Monday morning as you usually do… only to find out that all your income, close support network, and, in general, your regular financial support sources are forever gone, and now you’re back to square one (which, by the way, probably feels like square -1000). It may sound like a hard stretch, but for so many women, this nightmarish scenario highlights a common and real fear: the possibility of losing their stability in life because they don’t have their own money. And while this might sound scary, this week’s guests and dear friends will share how this lingering sense of insecurity pushed them to seek financial independence and, simultaneously, turned them into an inspiration to us all.  Some people say the biggest lessons in life come whenever you least expect them, and today I’ll have to agree with the popular lore. In today’s episode, I’m having a conversation with two friends and fellow Accredited Financial Counselors®, Weslia Echols and Willa Williams who learned through their lived experiences why being financially independent is so important.Weslia and Willa’s unique mission is to assist Christian women in embracing their STEWARD Identity™. They aim to help women discover their unique path to creating wealth and achieving financial fulfillment. Through their company, Trinity Financial Coaching, and their weekly podcast, Wealth and Wisdom Together™, they have created a safe space for women to learn and discuss money while trusting God, trusting themselves, and trusting the process.In this episode you will learn: Why financial independence should be a top priority in everyone’s life list.A core characteristic of financial fulfillment that everyone should be aiming to have. Willa and Weslia’s take on what’s the biggest financial barrier that most people face.For a quick recap of this episode go to https://www.jenhemphill.com/411The post, Seeking Security? The True Meaning of Financial Independence | HDM 411 appeared first on the Her Dinero Matters Podcast.

Intuitively, we all know that leaving your home country for good is a challenging experience. Adapting to a new place, language, culture, job market, AND financial system is anything but an easy feat. However, knowing that it’s hard and listening to the first-person account of someone who not only survived the experience but also managed to thrive and build a meaningful career is truly inspiring. In today’s episode, we are having an empowering conversation with Jhoanna Astudillo, the Hispanic segment leader in BOK Financial’s Consumer Division. Jhoanna will share with us her biggest money realizations and how they came to be. When was the last time you had a hard time cashing a check at your local bank? Or the last time you had to wait one hour for someone to help you do a simple money transfer? If the answer to those questions is some variation of “I’m not sure”, today’s episode will surely surprise you. Like many immigrants, today’s guest had to re-start from scratch. From having to learn the language to figure out the U.S. financial system and, while on it, uncovering her limiting money story, Jhoanna’s journey will inspire you as much as it has inspired me. Jhoanna Astudillo is the Hispanic segment leader in BOK Financial’s Consumer Division, and the first Hispanic person to serve in this position. She has worked in the financial industry since 2007. Previously, she served in the U.S. Army and has a Bachelor’s Degree in International Business and Marketing from Illinois State University.In this episode you will learn: Jhoanna’s story and why she was referred to as a “ghost”. The steps Jhoanna has taken to improve her relationship with money. How the financial industry is adapting to better service the Latino community and Jhoanna’s role in that.For a quick recap of this episode go to https://www.jenhemphill.com/410The post, Cultural Humility Will Set Your Finances Free | HDM 410 appeared first on the Her Dinero Matters Podcast.

Have you ever walked into a bank to request information about a product or service only to hear a long-winded and hard-to-understand explanation that, instead of providing answers, only creates more questions? This is an experience that almost everyone in the Latino community has experienced at least once in their lives. Not because financial concepts, in and by themselves, are too complex or impossible to understand. Not at all. Sometimes, it’s just because the ones giving all the explanations lack a foundational core element that, in an ideal world, every financial educator should have: cultural humility. In this week’s episode, Dr. Melinda Jimenez Perez will share with us what cultural humility is and why this not-so-obvious concept is essential when teaching (and learning!) about all things money. Let’s be honest: money and finances may not be as complex or abstract of a topic as calculus or some good old geometry, but still, that doesn’t mean everyone will be able to understand the basic tenets at once.  The way you think and interact with money can be completely different from the way I see it, and that doesn’t make any of us right or wrong. It’s just different. According to Dr. Melinda Jimenez, understanding how our own culture impacts the way we see finances and what we can do to improve our situation (even when we might lack “basic” financial knowledge) is the essential working definition of cultural humility. In today’s episode, we will learn why cultural humility is essential for improving financial literacy in the Latino community. In this episode you will learn: What cultural humility is and why it’s essential in financial education.The power of representation in financial education.The rise of financial resource centers and why they matter.For a quick recap of this episode go to https://www.jenhemphill.com/409The post, Cultural Humility Will Set Your Finances Free | HDM 409 appeared first on the Her Dinero Matters Podcast.

When you are a parent, you all know sending your kids off to college and out of the house (aka, empty-nesting) will happen eventually, but no one really prepares you for it. And, like everything in this life, different people react to it in different ways. Since that moment in my parenting life is fast approaching, in this week’s episode I want to share a few empty-nesting hidden financial considerations that I’ve discovered along the way and why they matter.If you’ve already shipped your kids off to college and into the beginning stages of their adult lives, you know this is not an easy step. Not only are you effectively reducing your number of household members (#gasp), but, in a way, you’re finally putting to a test all those years of upbringing. Will your children be able to make the right life and financial decisions? You don’t really know, and everyone keeps saying you can only hope for the best.But, is that accurate? Does your financial involvement in your kids' lives effectively end on the day they leave for college or have things changed since your own college days? I feel that’s the big question every parent needs to start figuring out now. This is why, in today’s HDM episode, I’ll walk you through five (important) financial considerations that are starting to take shape in my planning process. I’ll share with you why these things are important for my journey and what are some key takeaways to consider.In this episode you will learn: Storytime: why has empty-nesting been on my mind lately?The positives: a couple of great things I’m actually looking forward to.Five financial considerations that I hadn’t thought about before.For a quick recap of this episode go to https://www.jenhemphill.com/408The post, The Hidden Costs of Empty Nesting | HDM 408 appeared first on the Her Dinero Matters Podcast.

Having honest and open conversations about real topics with our close friends is an essential part of life. And sometimes, knowing what other people are chatting with their pals can be truly eye-opening. If you’ve ever wondered how a conversation between two GenX women who are going through similar life experiences sounds like, you’re in for a true reveal. In this week’s episode, I’m having an informal chat with my good friend Librada Estrada about our kids stepping into adulthood, our health, and, of course, preparing financially for our future. Have you ever found yourself going through challenges or circumstances that no one else seems to be relating to? It’s not that your issues are uncommon or only specific to you, not at all. It’s more that you would prefer to have an open conversation with someone who not only is close to you but is also going through the same life stage as you are. Someone who relates to your lived experience in the way only a close friend can. Well, this week’s episode is a great opportunity to sneak peek into how such a conversation unfolds! This week I’m having an informal chat with my long-time friend Librada Estrada on all things money, planning, and, of course, health. In this episode, you’ll get to be a fly on the wall while two GenX women going through similar experiences talk about life, money, and health.In this episode you will learn: Thoughts on helping your kids transition into adulthood (plot twist: it ain’t simple!)Why always keeping in mind your future needs is the best mindset to have when thinking about retirement.The importance of having (and holding to) a vision when setting up your goals.For a quick recap of this episode go to https://www.jenhemphill.com/407The post, A Conversation Entre Amigas | HDM 407 appeared first on the Her Dinero Matters Podcast.

If you are among the millions of people who rely on Google Maps to get to places, use Task Rabbit to find contractors, or have groceries delivered almost anywhere through Instacart, you are not alone. These services may feel like separate entities, but at the end of the day they all have one major thing in common: they are extremely convenient and, as such, most of them come with a hefty price tag. Does this mean you shouldn’t use them? The goal of this week’s episode is to answer that eternal question. Today, I’ll share my thoughts on the price of convenience and how you can use this bonus to your advantage.Picture the following scenario. It’s mid-week, and instead of decreasing, your workload is at an all-time high. You leave the office exhausted and in a daze, only to realize a few minutes into your commute that, yet again, you forgot about dinner. It seems that your brain just can’t plan a proper grocery haul so, just like you did last week, you decide to take the convenient approach. With just two or three flips through your phone screen, your problem is solved. Dinner will be served at your door in less than half an hour, courtesy of Uber Eats. Convenience may be just a noun, but on a busy Wednesday evening, when you have no mental space left available, it becomes a life-saver. The glue that holds together your packed schedule.The only problem? Just like any luxury item, choosing the most convenient option usually has an extra fee. Yes, your meal delivery, house cleaning, and transportation services may be extra handy, but they ain’t cheap. This is why in today’s episode we are going to have an in-depth discussion about the price of convenience. Why is it that the United States consumer loves convenience so much and what is the true price you are paying for getting some time back in your calendar? In this episode you will learn: Snap history: how did these convenient services come to be?One risk of relying too much on handy solutions.Key things you need to know before signing up for these services.For a quick recap of this episode go to https://www.jenhemphill.com/406The post, The Price of Convenience | HDM 406 appeared first on the Her Dinero Matters Podcast.

Although no one likes to think about financial bumps, the harsh reality is that, as long as you have money in this game, total financial loss and bankruptcy will always be part of the spectrum of possible outcomes, and while I’m all about positive thinking, I also want to stress the importance of being prepared for even the worst case scenario. This is why, in this week’s episode  I’ll share with you five reasons why you should have a backup plan to protect you when the possibility of total financial loss starts to loom over the horizon. We all have our own version of the worst nightmare ever. For some, that no-go scenario is filled with creepy crawlers (shudder), crazy heights, or bad news. For others horrible traffic jams, crowded places, and unfortunate circumstances are all that it takes to qualify something as a seriously bad dream. However, if we leave the specifics aside, we can all agree that most of us consider total financial loss as one of the most accurate definitions of nightmarish scenarios.In today’s day and age, it’s hard to imagine a more anxiety-generating situation than the loss of all our material wealth. In fact, for some people, the possibility of experiencing total financial loss is such an unthinkable scenario that the act of simply considering the possibility is enough to trigger a mini-panic attack. While I always strive to remain positive and uplifting, I have to recognize that sometimes being prepared for our worst-case scenarios does pay off. When it comes to total financial loss having a plan in place (aka, your emergency protocol) will always be a savvy choice. This is why in this week’s episode, I’ll share with you five reasons why you should have a backup plan to protect you when the possibility of total financial loss starts to loom over the horizon.In this episode you will learn: Five key reasons why you should always be prepared, both for the good and the bad.My insights on how I answered the “What would I do if…?” question.How others have responded to this question and their bid takeaways.For a quick recap of this episode go to https://www.jenhemphill.com/405The post, Total Financial Loss: Can You Prepare For It? | HDM 405 appeared first on the Her Dinero Matters Podcast.

Splurging or saving? That is the question. And if you have a financial goal that requires you to save big and consistently, you probably know firsthand how stressful and frustrating spending decisions can feel. You see an item that catches your eye big time and, while former you would have proceeded to buy it without any additional thoughts, the new you is running a full forecasting projection the minute you gaze upon the price tag. If this scenario sounds familiar, you’re in good company! In this week’s episode, I’ll share with you a set of guiding questions that will help you navigate the delicate art of figuring out when it’s better to save and when it’s safe to splurge.No adult life is fully complete without a full set of (deceptively) crucial decisions. Whole wheat or white bread? Cats or dogs? A relaxing staycation or an adventurous one-week vacation? Green juice or salad? All of these will give you a few guaranteed harsh minutes.However, when it comes to deceptively simple decisions, saying yay or nay to a specific purchase stands in its own category… especially when you’re committed to reducing your spending to the minimum (hello, Great Financial Goals!). What’s more, this mini-mental ordeal becomes even more challenging when you perceive said expense as something with the potential to transform your life (think high-end organic foods, hot and in-demand kitchen appliances, or home & garden items that just feel right).If you are on a tight spending budget, but also feel compelled to just go and get that item now, the framework I will share in today’s episode might be just what you need. From navigating the complicated emotions that arise when spending decisions show their bizarre face, to actually understanding the thinking that takes place the minute you see that lush patio furniture, this episode has it all!In this episode you will learn: The I-Needed-This-Yesterday mentality sometimes plays tricks on you, and here’s why.Why the road to Big Financial Goals is not always paved with sacrifices.The five questions you need to ask yourself before making that spending decision.For a quick recap of this episode go to https://www.jenhemphill.com/404The post, Splurging or Saving? Five Guiding Questions to Help You Make Better Spending Decisions| HDM 404 appeared first on the Her Dinero Matters Podcast.