The Clever Girls Know Podcast

On the podcast today I'm going over some key situations that will require you to review your budget in detail. Budgeting is a key financial action when it comes to building wealth. Your budget helps to guide your spending and saving decisions and basically helps you stay on track with your financial goals. As you get comfortable with creating a new budget in advance of every new month (because no two months are alike), it's important to keep in mind that certain situations might require you to review your budget in detail or even completely overhaul it so listen in :) Get access to my free budgeting tools in my resource library on www.CleverGirlFinance.com Check out the Clever Girl Finance YouTube Channel at YouTube.com/CleverGirlFinance Do you follow Clever Girl Finance on Instagram yet? You should! www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at www.clevergirlfinanceacademy.com

Weddings can be very, very, expensive and today, my guest is a listener of the podcast and also an expert wedding planner who is sharing some amazing wedding planning insights. Her name is Tereill Peay of CaterToTheBride.net and she’s all about helping you get creative (and cost effective) when it comes to planning the wedding of your dreams. Tereill saved $20,000 while planning her wedding by getting a portion of her wedding sponsored and she’s mastered exactly how you can create the wedding of your dreams. in this podcast episode, Tereill shares her own personal wedding planning story that lead her into the business as well as tips on: 1. How to be a guest at your own wedding 2. How to get your wedding sponsored 3. How to raise money for your wedding - 4. How to manage your costs on a fixed budget 5. How your wedding planner can pay for themselves Terreill's website is http://www.catertothebride.net For the books, tools and resources mentioned in this episode, visit the main show notes page here: https://www.clevergirlfinance.com/podcast-episodes/creative-ways-to-have-the-wedding-of-your-dreams If you haven't already, be sure to subscribe to the Clever Girl Finance Podcast on iTunes, SoundCloud or Stitcher. Get access to my free budgeting tools in my resource library on www.CleverGirlFinance.com Check out the Clever Girl Finance YouTube Channel at YouTube.com/CleverGirlFinance Do you follow Clever Girl Finance on Instagram yet? You should! www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at www.clevergirlfinanceacademy.com

On this episode I’m sharing a couple updates on what’s happening at Clever Girl Finance including the fact that I’m writing my first book! - What I covered on this episode: I’m get into answering some of the questions that have been sent to me and they include questions on: 1. How to end living pay check to pay check when you earn a good income. 2. Where and how to properly save for vacations. 3. The difference between investing and trading. 4. How to manage being an entrepreneur and an introvert. The website I mentioned to compare bank account reviews and savings rates is BankRate.com Get access to my free budgeting tools in my resource library on www.CleverGirlFinance.com Check out the Clever Girl Finance YouTube Channel at YouTube.com/CleverGirlFinance Do you follow Clever Girl Finance on Instagram yet? You should! www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance over at www.clevergirlfinance.com

When it comes to personal finance the main focus is typically on the outcome - the financial success but it’s also very important to discuss the transitions and emotions that leads you to that financial success and what it feels like to be on that journey including the peaks and valleys. To have this conversation, I’ve invited an amazing lady and friend of mine Xenia Viray. Xenia is the owner of a women’s clothing boutique in Brooklyn called Myths of Creation (mythsofcreation.com), focused on building community and teaching women how to empower themselves. On this episode, Xenia and I have a very honest conversation about her money story and on money in general. She shares her emotions around money, how she’s gotten to the point where she feels deserving of financial success and financial wellness. She shares the role money played in her upbringing, the lies she was telling herself about money, why she wasn’t putting money on the top of her priority list and her changed thinking around money and her goals for financial success now and in the future. I also got completely vulnerable with Xenia she pulls it out of me) in our conversation about my personal challenges around being deserving and proud of my financial success. - How to keep in touch with Xenia: Follow her on social media @shopmythsofcreation and on her website at mythsofcreation.com - Stop by her store at: Myths of Creation Brooklyn 421 Graham Ave, Brooklyn NYC - The podcast episodes Xenia mentions: Unmistakeable Creative - https://apple.co/2BXwCG3 Get access to my free budgeting tools in my resource library on www.CleverGirlFinance.com Check out the Clever Girl Finance YouTube Channel at YouTube.com/CleverGirlFinance Do you follow Clever Girl Finance on Instagram yet? You should! www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at www.clevergirlfinanceacademy.com

The topic of divorce can be very touchy and even considered taboo but is a topic that needs to be discussed especially because 1 out of ever 2 marriages in the United States ends up in divorce. To have this conversation, my guest on this episode of the podcast is Cassandra Cadeau. Cassendra is the CEO of Gifted Financials (giftedfinancials.com) an organization that helps women learn how to effectively manage their money and live a lifestyle of financial abundance. She’s also the founder of the legacy crew movement, a platform where women also learn how to teach their children and loved ones how to also improve their finances. - What we discussed on this episode: In this episode, Cassendra and I talked about how emotions can cloud your judgement and cause poor financial decisions pre, during or post a divorce and how to manage it all to make sure that despite the emotional turmoil you are able to make sound decisions. We talked about making sure you understand the full picture of your finances as a couple in your marriage, how to get your finances in order after a divorce, picking yourself emotionally and get back on your feet financially if the process took a toll on your finances. Cassendra also shares her personal story, of going through divorce, how she handled it, what she did to keep it together for her 3 daughters and how she came out not the other side financially stable. - How to keep up with Cassendra: You can keep with Cassendra on her website at http://giftedfinancials.com and take advantage of her free 20 minute phone consultation at http://bit.ly/bookmyfreeconsult Get access to my free budgeting tools in my resource library on www.CleverGirlFinance.com Check out the Clever Girl Finance YouTube Channel at YouTube.com/CleverGirlFinance Do you follow Clever Girl Finance on Instagram yet? You should! www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at www.clevergirlfinanceacademy.com

Today’s podcast is focused on helping you prepare your resume as you look for a new job or if you are looking to transition careers, because your resume is the first touch a recruiter or the HR department at a company has with you and getting employed especially at the right job ties heavily into your personal finances. To speak on this important topic, my guest today is Lauren McGoodwin, the founder of careercontessa.com which she founded in 2013 after working in recruiting for a tech company and experiencing a gap in career development resources for women who might be job searching, soul searching, leading and managing, or trying to find new ways to advance within their careers.  Lauren's career expertise has appeared in Forbes, Business Insider, Fast Company, Refinery29, and more. Career Contessa now helps over 1 million women navigate their careers each year though original career advice, job opportunities and an inside look at companies hiring, online career classes, and access to expert career coaches—all tailored to the needs of professional women. On this episode Lauren shares the details of how she started Career Contessa, her career journey and how she transitioned out of her full time job to launch CareerContessa.com. She also shares some really important advice and details on how recruiters find you, why your linked in profile is REALLY important, the makings of the perfect resume, what should 100% be on your resume and what shouldn’t, whether you should have a 1 page or 2 page resume, whether recruiters want to see your photo or your address on your resume and so much more. The course Lauren mentions: - 24 hour resume makeover course - http://bit.ly/2E0jsst - Use coupon code RESUME10 To keep up with Lauren and learn more about Career Contessa: - Stop by the website at CareerContessa.com - Follow them on all social media: @careercontessa Get access to my free budgeting tools in my resource library on www.CleverGirlFinance.com Check out the Clever Girl Finance YouTube Channel at YouTube.com/CleverGirlFinance Do you follow Clever Girl Finance on Instagram yet? You should! www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at www.clevergirlfinanceacademy.com

It's tax season ladies! Receiving a tax refund check can make a big difference towards improving your finances and achieving your financial goals, so it's a good idea to create a clear plan for what to do with your refund in advance of receiving it this way all that money doesn't just slip through your fingers unaccounted for and on this episode I'm sharing a few suggestions to help you out. Also, I'm sharing some of the most commonly overlooked tax deductions that you should keep in mind when you are filing your taxes so you don't leave any money on the table. Get access to my free budgeting tools in my resource library on www.CleverGirlFinance.com Check out the Clever Girl Finance YouTube Channel at YouTube.com/CleverGirlFinance Do you follow Clever Girl Finance on Instagram yet? You should! www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at www.clevergirlfinanceacademy.com

**Just a heads up if you are listening with small children there is adult language in this episode.** Sharon Beason is a serial entrepreneur, national speaker, educator, holistic business strategist and the founder of Womeneur.com. She’s known for ‘telling the hard stuff that you don’t want to hear, but that you need to hear’ and she fuses her no-nonsense, in-your- face and personable style to connect with her audience - which is exactly what she did on this episode. With over a dozen years in a corporate, supervisor accounting role and ten years paving her own path as a problem solver, trailblazer, connector, educator, educator and most importantly real-life, roll up your sleeves and let’s get this done experience, Sharon knows it takes to do all of the aforementioned and more to be successful at being your own boss and she doesn’t sugar coat what’s needed for the journey. On this episode, Sharon shared her personal story and where Womeneur came from, how fears set women back from achieving their dreams of building successful businesses and what to do about it, what it really means to “hustle” and how your mindset ties into it all, how to get past self limitations and the day to day actions you can take and so much more. Sharon's website is http://Womeneur.com For the books, tools and resources mentioned in this episode, visit the main show notes page here: https://www.clevergirlfinance.com/podcast-episodes/no-nonsense-advice-on-ending-the-crazy-building-a-truly-successful-business If you haven't already, be sure to subscribe to the Clever Girl Finance Podcast on iTunes, SoundCloud or Stitcher. Get access to my free budgeting tools in my resource library on www.CleverGirlFinance.com Check out the Clever Girl Finance YouTube Channel at YouTube.com/CleverGirlFinance Do you follow Clever Girl Finance on Instagram yet? You should! www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at www.clevergirlfinanceacademy.com

On this episode my guest is the amazing Tai McNeely who is the founder of hisandhermoney.com, alongside her husband Talaat. They also have an incredible podcast and YouTube Channel called “The His & Her Money Show”. In this episode Tai shares the initial challenges she faced managing money in the early days of her marriage including working with her husband to pay off over $30,000 of debt in their first year of marriage. We talked about how financial roles can change in a marriage, setting goals as a couple, managing disagreements about money etc and Tai shares some key advice on how to be successful doing all of these things together with your significant other - the key ingredient? Communication. We talked about the guilt women feel taking the back step in their marriages or as stay at home moms and why it’s important to understand the value of all you do as a wife and as a mother as well as the value of what you contribute to your family. We also talked about why it’s important that you are both involved in your household finance. Tai also shared some of her big accomplishments that put her on the path to financial success including paying off her 1st car in just 11 months which she purchased for $13,000 at the age of 19 and putting herself through college debt free. How to keep up with Tai (and her husband Talaat): On YouTube: https://www.youtube.com/user/HisandHerMoney On their podcast: http://www.hisandhermoney.com/category/podcast/ On all social media (Facebook, Twitter, Pinterest, Instagram): @hisandhermoney Get access to my free budgeting tools in my resource library on www.CleverGirlFinance.com Check out the Clever Girl Finance YouTube Channel at YouTube.com/CleverGirlFinance Do you follow Clever Girl Finance on Instagram yet? You should! www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at www.clevergirlfinanceacademy.com

My guest on this episode of the podcast is Alexandra Taussig. She is the SVP of Women Investors at Fidelity and I met her at a “Women and Money” event that Fidelity hosted. Alexandra had an excellent talk and also shared her personal money story on the money mistakes she had made when she was younger and I just had to have her on the podcast! On this episode we took a deep dive into the topic of women and money - the differences between women and men when it comes to money management, being single or divorced and your finances, our confidence about money as women, the stress women carry about debt, safe guard women can put into place for their financial futures and so much more including why it’s not a great idea to keep all your money in cash. Keep up with what Alexandra works on at Fidelity.com/frontseat For the books, tools and resources mentioned in this episode, visit the main show notes page here: https://www.clevergirlfinance.com/podcast-episodes/women-and-money-a-deep-dive-discussion If you haven't already, be sure to subscribe to the Clever Girl Finance Podcast on iTunes, SoundCloud or Stitcher. Get access to my free budgeting tools in my resource library on www.CleverGirlFinance.com Check out the Clever Girl Finance YouTube Channel at YouTube.com/CleverGirlFinance Do you follow Clever Girl Finance on Instagram yet? You should! www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at www.clevergirlfinanceacademy.com

I love goal setting, it gives me clarity and direction, and it helps me track my progress and so on this episode I'm sharing why goal setting matters and some tips to help you set your financial, career and other life goals the right way so you can actually achieve them. Enjoy listening! Get access to my free resource library on www.CleverGirlFinance.com Check out the Clever Girl Finance YouTube Channel at YouTube.com/CleverGirlFinance Do you follow Clever Girl Finance on Instagram yet? You should! www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at www.clevergirlfinanceacademy.com

The countdown to 2018 is on and so I'm sharing a few updates from the list of goals that I created earlier this year where I challenged myself to get out of my own way and get certain things done for Clever Girl Finance. I'm sharing my progress as well as some tips and advice for all the Clever Girl entrepreneurs. Enjoy listening! Get access to my free resource library on www.CleverGirlFinance.com Check out the Clever Girl Finance YouTube Channel at YouTube.com/CleverGirlFinance Do you follow Clever Girl Finance on Instagram yet? You should! www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at www.clevergirlfinanceacademy.com

My guest today is the wonderful Jen Hemphill, the founder of www.JenHemphill.com. Jen is a military spouse, an accredited financial counselor, and money confidence coach and she also hosts her own podcast called Her Money Matters. On this episode, Jen and I talked about money fears and guilt, how to get into the space where you are sharing your financial wins no matter how small as well as the lessons you can learn from other people’s success stories and how to build your money confidence. We talked specifically about the fears and guilt associated to spending money and how to work through those emotions. Jen also shares her upbringing in Columbia and the differences in how she and her husband handled money when she first got married and what they do now to manage their money successfully. We also talked about mastering your money mindset, in addition to mastering your money skills, because your mindset and your money skills go hand in hand, and Jen shares some key actions you can take to make things much easier when it comes to accomplishing your long term financial goals while still being able to enjoy your money in the short term plus so much more. Jen's website is www.jenhemphill.com  For the books, tools and resources mentioned in this episode, visit the main show notes page here: https://www.clevergirlfinance.com/podcast-episodes/deal-with-your-fears-and-your-guilt-and-become-successful-withmoney If you haven't already, be sure to subscribe to the Clever Girl Finance Podcast on iTunes, SoundCloud or Stitcher. Get access to my free resource library on http://www.CleverGirlFinance.com Check out the Clever Girl Finance YouTube Channel at http://YouTube.com/CleverGirlFinance Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

Are you ready to work in a career you love that pays you what you are worth? Well, my guest on this episode of podcast is Dorianne St. Fleur and she’s sharing the exact strategy you need to follow to have a fulfilling career that pays you what you are worth. Dorianne is a career coach & strategist based in New York City and she coaches women on how to identify and use their purpose in order to have a fulfilling and (financially) fruitful career. Her philosophy on career success goes way deeper than LinkedIn profiles and networking events. Sure – those things are important, but they aren’t what’s going to get you to the promised land – which is that fulfilling career you’ve always wanted. What we discussed in this episode: On this episode we talked about the biggest mistakes people make when job hunting, what to do if you feel you are in a job thats going no where, how to negotiate your salary the right way and more. I also share my own personal career failures and success when I worked full time Dorianne's website is YourCareerGirl.com For the books, tools and resources mentioned in this episode, visit the main show notes page here: https://www.clevergirlfinance.com/podcast-episodes/the-strategy-behind-a-career-you-love-that-pays-you-what-you-are-worth If you haven't already, be sure to subscribe to the Clever Girl Finance Podcast on iTunes, SoundCloud or Stitcher. Get access to my free resource library on http://www.CleverGirlFinance.com Check out the Clever Girl Finance YouTube Channel at http://YouTube.com/CleverGirlFinance Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

Have you ever wondered how people score such incredible travel deals to amazing destinations? Well my guest today is Felicia Blaise and she’s breaking down how you can be a successful travel hacker! Felicia is a Certified Financial Education Instructor (CFEI), Travel Strategist, and the Chief Budget Balancer at FeliciaBlaise.com and on this episode, she shares her own personal money story of paying off her credit card debt as well as exactly how to score a great deal while traveling and still be able to stay on top of your finances.You’ll even hear me discuss my travel hack failure lol - I learnt a lot from felicia. Her mission is to change the way millennials think about money so they can experience the world, not financial limits. She's a personal finance nerd who loves travel hacking her way around the world. You can keep up with Felicia on her website at FeliciaBlaise.com For the books, tools and resources mentioned in this episode, visit the main show notes page here: https://www.clevergirlfinance.com/podcast-episodes/travel-hacking-101-with-felicia-blaise If you haven't already, be sure to subscribe to the Clever Girl Finance Podcast on iTunes, SoundCloud or Stitcher. Get access to my free resource library on http://www.CleverGirlFinance.com Check out the Clever Girl Finance YouTube Channel at http://YouTube.com/CleverGirlFinance Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com