Getting out of debt isn’t easy for anyone, it requires acknowledgement because you can’t get out of debt without making some financial changes first. You need to first have a plan for your money and then commit to it.  In this episode, Marcus Garret, a Certified Internal Auditor, Financial and Data Analyst, an award-winning writer and the best-selling author of Debt Free or Die Trying: How I Buried Myself $30,000 in Debt and Dug My Way Out, shares with us the hard lessons he learned as a young adult and the importance of managing your money. He also shares some tips that have helped him and his girlfriend though their financial journey.   What you'll hear about in today's episode: How he found himself going from $9k in debt to $24k in debt in just 24 hours The hard lessons he learned as a young adult 3 tips that have helped him and his girlfriend manage money together easier For a quick recap of this episode go to http://www.jenhemphill.com/272   Want to get social? Let’s connect more on Instagram @herdineromatters   Grab your copy of My Daily Money Ritual and increase your money confidence here: https://jenhemphill.com/dinero   For all of those financially strong women who want to keep learning and taking control of their finances. Financially Strong Latina La Membresía, enrollment now open! To know more about this membership go to: http://www.jenhemphill.com/membership   The post, The Unexpected and Valuable Lessons From Getting Out of Debt | HDM 272  appeared first on the Her Dinero Matters Podcast. 

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The Unexpected and Valuable Lessons From Getting Out of Debt | HDM 272

How do you feel about long-term care? Have you thought about this or does just the thought of thinking about it overwhelm you? Long-term care is a personal choice for each of us and it is important to have a plan or strategy for how you want to approach it. There are different ways to prepare for this, and the key is to plan ahead because it will give you the advantage of choosing the option that is best for you. In this episode, The Millennial Money Woman, shares with us the importance of planning for long-term care and thinking about it now. She also shares some strategies that will help provide some peace of mind as it relates to overcoming long-term care costs.  The Millennial Money Woman, also known as Fiona, is a Certified Financial Planner, a Chartered Retirement Planning Counselor and she Co-founded a local community non-profit helping young professionals in personal finance matters. What you'll hear about in today's episode: How exactly her grandparents influenced her financial journey The lessons she learned teaching financial literacy to underprivileged girls Factors to consider in long-term care and why we should pay attention For a quick recap of this episode go to http://www.jenhemphill.com/271   Want to get social? Let’s connect more on Instagram @herdineromatters   Grab your copy of My Daily Money Ritual and increase your money confidence here: https://jenhemphill.com/dinero   For all of those financially strong women who want to keep learning and taking control of their finances. Financially Strong Latina La Membresía, enrollment now open! To know more about this membership go to: http://www.jenhemphill.com/membership   The post, Helpful Ways to Save Money for Long-Term Care | HDM 271 appeared first on the Her Dinero Matters Podcast. 

Helpful Ways to Save Money for Long-Term Care | HDM 271

Do you feel that the task and pressures never end with work, social obligations or life in general? These feelings can be the result of the imbalance of giving and receiving which impacts your mental health. It's important to give yourself the grace when you have these feelings and to learn how to manage overwhelm so you can receive more of  what you deserve and desire.  In this episode, Christine Arylo, a transformational leadership adviser, teacher, speaker and three-time best-selling author and host of the internationally acclaimed podcast Feminine Power Time, shares with us the importance of overwhelm and why it matters. She also shares her best tips on managing overwhelm and a piece of advice for women currently feeling it. What you'll hear about in today's episode: Her story about her mother and the invisible superwoman What she has learned in her research about managing overwhelm and why it matters Her best tips on managing overwhelm For a quick recap of this episode go to http://www.jenhemphill.com/270   Want to get social? Let’s connect more on Instagram @herdineromatters   For all of those financially strong women who want to keep learning and taking control of their finances. Financially Strong Latina La Membresía, enrollment now open! To know more about this membership go to: http://www.jenhemphill.com/membership 

The Most Useful Ways of Managing Overwhelm | HDM 270

It’s not a secret that when we want to move forward in our life and knock on the doors of new opportunities, many people tend to focus on how we look, our physique, race, etc. This is a reality all over the world, maybe you have experienced it. Little people as we will learn in this episode also experience these challenges as well as financial challenges we don’t necessarily think about. It is good to have an awareness of these challenges so we better understand what little people deal with on a daily basis.     In this episode, the amazing Christophe Zajac-Denek shares with us several of his experiences/lessons in life and around money and how his mother leads him to try new things. Also, he shares with us some of the financial challenges little people face. Christophe is a little person, podcaster, drummer, surfer, actor, and stuntman. Throughout his life, he's dealt with physical and social challenges as a result of his dwarfism.  What you'll hear about in today's episode: The unique point system his mom had and what he learned from it The story of when he moved to LA and only had $7 to his name Some of the financial challenges little people encounter For a quick recap of this episode go to http://www.jenhemphill.com/269   Want to get social? Let’s connect more on Instagram @herdineromatters   For all of those financially strong women who want to keep learning and taking control of their finances. Financially Strong Latina La Membresía, enrollment now open! To know more about this membership go to: http://www.jenhemphill.com/membership 

The Truth About the Financial Challenges Little People Face | HDM 269

Are you aligning your actions with the goals that you really want or the goals that you think you should want? There is a big difference between the two. To achieve your goals and make your life vision come true, you need to know exactly what you want. What is important for you? What brings you joy? You have to trust your instincts, it's time to play big and do more for the things we really want. In this episode, I share with you why you may be focusing on the wrong types of goals. I also share with you two critical steps to make your vision a reality and 7 ways you can start living it right now. What you'll hear about in today's episode: Why you may be focusing on the wrong types of goals which is holding you back Two critical steps to make your vision a reality 7 ways you can start living your vision right now when your belief may be lacking For a quick recap of this episode go to http://www.jenhemphill.com/268   Want to get social? Let’s connect more on Instagram @herdineromatters   For all of those financially strong women who want to keep learning and taking control of their finances. Financially Strong Latina La Membresía, enrollment now open! To know more about this membership go to: http://www.jenhemphill.com/membership 

How to Play Bigger with Your Money | HDM 268

You are in the store getting your groceries and somehow things “magically” appear in your cart.     You pass by a Starbucks and suddenly you are drinking some Carmel Mocha.     You stop by the mall to pick up a few essential things but come out with some extra bags.     Is this you?  Do you find yourself in a constant battle with impulse spending?   If so, in this #replay I share with you what you can to do actually curb that impulse spending for good. Plus I share with you how my thoughts may or may not have changed since recording of this original episode. What you'll hear about in today's episode: 6 steps you need to take before your next shopping trip One quick non-negotiable action you need to take before each shopping trip 3 critical questions to ask yourself as you are finding yourself putting the item in the cart For a quick recap of this episode go to http://www.jenhemphill.com/40   Want to get social? Let’s connect more on Instagram @herdineromatters   For all of those financially strong women who want to keep learning and taking control of their finances. Financially Strong Latina La Membresía, enrollment now open! To know more about this membership go to: http://www.jenhemphill.com/membership 

[REPLAY] How To Actually Curb That Impulse Spending For Good | HMM 40

Couponing is a great way to save money and you can save a lot of money if done right, but there is one thing that you are most likely doing wrong with couponing. I find a lot of people making this mistake. Are you one of them? In this replay I share with you some extra notes and how my thoughts may or may not have changed since recording this episode. What you'll hear about in today's episode: The one mistake you are most likely making Why it’s important to take notice (Hint:  It’s not because I say so– think maximizing your savings) What you can do about it with what you have in front of you right now!  One thing to consider–if you aren’t aware of this one thing you will be hitting a brick wall For a quick recap of this episode go to http://www.jenhemphill.com/22   Want to get social? Let’s connect more on Instagram @herdineromatters   For all of those financially strong women who want to keep learning and taking control of their finances. Financially Strong Latina La Membresía, enrollment now open! To know more about this membership go to: http://www.jenhemphill.com/membership 

[REPLAY] Are You Making This One Costly Mistake With Couponing? | HMM 22

“We can’t afford that!” Does this sound familiar?  Are you tired of finding yourself saying and feeling that over and over again?  I have to tell you that there is hope and you can make a change in affording what you want with the 3 tweaks I share in this episode.   In this replay I share with you some extra notes and how my thoughts may or may not have changed since recording this episode. What you'll hear about in today's episode: We peel back the layers of the “I can’t afford this” phrase and give you some pointers to help kick it to the curb Which 2 tweaks helped us to adjust living on one income The story behind tweak #3, how I use and what it has done for me this year Which of the three tweaks you can start implementing TODAY and start affording what you want! For a quick recap of this episode go to http://www.jenhemphill.com/12   Want to get social? Let’s connect more on Instagram @herdineromatters   For all of those financially strong women who want to keep learning and taking control of their finances. Financially Strong Latina La Membresía, enrollment now open! To know more about this membership go to: http://www.jenhemphill.com/membership 

[REPLAY] Three Tweaks To Start Affording What You Want | HMM 12

We are half-way through the year, can you believe it? There is no better time like right now to check on your progress with those financial goals.   In this replay I share with you some extra notes and how my thoughts may or may not have changed since recording this episode.   What you'll hear about in today's episode: Take a look at a sample situation  Review the progress of this sample situation Learn 8 steps you can take to check your progress    For a quick recap of this episode go to http://www.jenhemphill.com/145   Want to get social? Let’s connect more on Instagram @herdineromatters   For all of those financially strong women who want to keep learning and taking control of their finances. Financially Strong Latina La Membresía, enrollment now open! To know more about this membership go to: http://www.jenhemphill.com/membership 

[REPLAY] Mid-Year Shake Out, 8 Essential Steps to Check Your Progress| HMM 145

Are you a  Latino small business owner and you are afraid of the technology? There is no secret that over the past year technology has played a vital role in the growth and efficiency of a lot of businesses, but it’s also true that small companies are rarely the first to open the door to new technologies. That is understandable because most small business owners don’t have the time or resources to experiment with it. It’s up to you to decide whether to include technology in your business or not, but you need to have an open and clear mind to know exactly what your company needs. In this episode, the phenomenal Jackie Velez, the Director of the US Hispanic market at Xero, shares with us her money story and what she learned about stretching the dollar. She also shares what Xero is and the financial challenges a Latino small business owner faces. What you'll hear about in today's episode: What she learned about stretching the dollar from living in a 2 bedroom duplex with her family The top mistakes Latino small business owners make What Xero is and how they are helping Latino small business owners For a quick recap of this episode go to http://www.jenhemphill.com/267   Want to get social? Let’s connect more on Instagram @herdineromatters   For all of those financially strong women who want to keep learning and taking control of their finances. Financially Strong Latina La Membresía, enrollment now open! To know more about this membership go to: http://www.jenhemphill.com/membership 

This is What you Need to Know About Technology and Latino Small Business Owners | HDM 267

Sometimes we think financial independence is not at our reach because we have limited opportunities to improve our career journey, but actually, this is just a perception. When evaluating a new opportunity do not discount yourself for not having the experience right off, be a risk-taker and go for the next big role, make your mark in the near term, and you will learn everything else. In this episode, Ileana Musa shares with us her career journey and how her father had a huge influence on her financial life. She also shares her mission to help the next generation of Latinos to achieve financial independence and equity.  Ileana Musa is the Co-Head of International Wealth Management and the Head of International Banking & Lending. Ileana was recently named to the Girl Scouts National Board (GSUSA) and sits on the Corporate Advisory Boards of the Association of Latino Professionals for America (ALPFA), Florida International University Honors College and the Cuban Heritage Collection at the University of Miami. What you'll hear about in today's episode: The influence her father had which led her to study finance and eventually her current leadership role Her suggestions for Latinas to improve their financial lives Her advise for organizations to help improve the advancement of Latinas For a quick recap of this episode go to http://www.jenhemphill.com/266   Want to get social? Let’s connect more on Instagram @herdineromatters   For all of those financially strong women who want to keep learning and taking control of their finances. Financially Strong Latina La Membresía, enrollment now open! To know more about this membership go to: http://www.jenhemphill.com/membership 

Her Direct Reasons for Wanting Latinos to be Financially Independent | HDM 266

Are you an entrepreneur trying to figure the path by yourself? Entrepreneurship is a special adventure, it requires sacrifice, determination, and resilience. It is not easy to be a small business owner which means being your own boss, calling all the shots, hustling to hit your goals, and sometimes learning things on your own by trial and error. The best thing to do is find useful resources, guidance and community to reach your goals more effectively and keep growing. In this episode, Carolyn Rodz, shares with us the impact her entrepreneurial family had on her career. She also shares how Hello Alice can help small business owners and her best practices for crowdsourcing. As founder of Alice, the intelligent business advisor for entrepreneurs, Carolyn Rodz serves as an advocate for inclusive entrepreneurship. Carolyn works alongside governments, corporations, foundations and ecosystem builders to connect women, minority, veteran and other underrepresented entrepreneurs to the capital, resources, mentors and partners needed to fuel their growth. What you'll hear about in today's episode: The impact her entrepreneurial family had on her career How Hello Alice can help small business owners Her top tips for small business owners Best practices for crowdsourcing For a quick recap of this episode go to http://www.jenhemphill.com/265   Want to get social? Let’s connect more on Instagram @herdineromatters   For all of those financially strong women who want to keep learning and taking control of their finances. Financially Strong Latina La Membresía, enrollment now open! To know more about this membership go to: http://www.jenhemphill.com/membership 

Unique Ways Hello Alice Helps and Transforms Small Business Owners | HDM 265

Are you a mother of a soon to be college kid? Or maybe you already have been through this situation and you can relate to today’s episode. As a parent, we want to be the guide of our kids during this process, but navigating the college process is not simple, and you might find yourself facing a learning curve. The college process can be stressful for everyone involved. Communication between your kid and you is vital as well as having an open mind to keep learning with them.  In this episode, I share with you my own learning experience in this college process with my son.  What you'll hear about in today's episode: Why I had some serious price sticker shock Several reasons contributing to why college is so expensive (I did some research) The 3 things I am struggling with when it comes to navigating this new phase For a quick recap of this episode go to http://www.jenhemphill.com/264   Want to get social? Let’s connect more on Instagram @herdineromatters   For all of those financially strong women who want to keep learning and taking control of their finances. Financially Strong Latina La Membresía, enrollment now open! To know more about this membership go to: http://www.jenhemphill.com/membership 

3 Painful but Informative Discoveries I Made About College Costs | HDM 264

Enjoy this bonus audio from the Financially Strong Latina event that took place March 18th, 25th, and April 1st, 2021 Emcee: Veronica Segovia Bedón, Senior Advisor, AARP, Diversity, Equity & Inclusion Moderator: Jen Hemphill, Latina Money Expert, AFC® Panelists: Camilo Maldonado, The Finance Twins Anna N’Jie-Konte, Dare to Dream Financial Planning Mabel Nuñez, Investing Educator, Girl$ on The Money Gerri Davis-Madrid, Chair NRIS (National Institute on Retirement Security) ¡Juntas podemos más! Sponsored by AARP For a quick recap of this Financially Strong Latina Audio go to http://www.jenhemphill.com/FSLAUDIO   Want to get social? Let’s connect more on Instagram @herdineromatters  

BONUS AUDIO: "Creating Financial Stability"

It’s possible for a Latinx immigrant to build wealth? Yes! You have probably been through anxiety, stress, or frustration with all the barriers for immigrants in the financial system, and the lack of ready accessible information. Regardless of whether you are an immigrant, an undocumented Latinx, or if you have some kind of temporary or pending status, you can build wealth on your financial journey, it is within your reach. It’s time to advocate for yourself. In this episode, Adina Appelbaum, a nonprofit immigration attorney, and financial coach, shares with us her interest in helping Latinx immigrants and why she became an immigration attorney. She shares the most frequently asked questions from Latinx immigrants, and how building wealth is within their reach. What you'll hear about in today's episode: How Adina’s interest to become an immigration attorney came to be. Two major barriers impacting Latino immigrants and their finances. Most frequently asked questions from Latinx immigrants. How building wealth is possible for undocumented Latinos. What Latino immigrants should know about finances. For a quick recap of this episode go to http://www.jenhemphill.com/263   Want to get social? Let’s connect more on Instagram @herdineromatters   For all of those financially strong women who want to keep learning and taking control of their finances. Financially Strong Latina La Membresía, enrollment now open. Amazing benefits for $30 per month if you join before April 30th! to know more about this membership go to: http://www.jenhemphill.com/membership   The post, Immigrant Finance: How to Overcome its Barriers | HDM 263 appeared first on the Her Dinero Matters Podcast. 

Immigrant Finance: How to Overcome its Barriers | HDM 263

Her Dinero Matters is a bilingual podcast for women who want to become reinas of their money and love their dinero more. Join Jen Hemphill, a former extreme frugalist turned reina of your money advocate each week for your dose of money confidence. You will hear down-to-earth interviews and panel discussions from la comunidad Latina as well as solo episodes sharing simple actionable tips and strategies which you can implement right away. Go ahead and grab the Daily Money Ritual that helps you start your day with confidence around your finances (it's free) www.jenhemphill.com/HDM

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Her Dinero Matters

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