Money Files: Wealth Over Now

In this episode, I'm challenging you to track your finances for one week. I know the idea of jotting down every expense might feel overwhelming or even intimidating, but this exercise isn't about judgment or shame—it's about creating a budget that aligns with your lifestyle and financial goals. I'll walk you through a simple five-day exercise to help you become more aware of your spending habits. By tracking your daily expenses, you'll get a clear picture of where your money is going, whether it's online shopping sprees or forgotten auto payments. You might be surprised by what you find, and that's totally okay! Building financial awareness is a key step toward stress-free spending, and this one-week challenge is here to help you understand your numbers better. Are you ready to start my five-day finance challenge? Learn how understanding spending habits is essential to hit your financial goals… [0:30] Benefits of tracking your expenses [03:30] How to do the 5-day challenge [11:58] What to do after you complete the exercise Tune into this episode of Money Files to join my five-day finance challenge and get a deeper understanding of your spending.  Get full show notes and the episode transcript: https://wealthovernow.com/financial-coach-finance-challenge-money-challenge-spending-tracker-budgeting-personal-finances-financial-goals-expenses-tracker-daily-expenses/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan Resource | Free Five-Day Financial Habit Tracker

As 2024 comes to a close, you might be reflecting on your financial goals and the progress you've made. Many people view progress as a linear checklist of milestones to hit, but regaining control over your finances is far from straightforward. Focusing only on the end goal is discouraging, and that creates a mindset that is unsustainable for lasting change, especially when it comes to how you think and feel about money. In this episode, I encourage you to reframe how you view your financial journey and the progress you've achieved this year. I'll discuss why the linear approach to progress can be limiting and introduce you to my lily-pad progress method, which leads to more sustainable success. Often, it's easy to overlook the small steps and skills you've gained, but those incremental behavioral shifts are fundamental to generating lasting change. Take a moment to consider what you can do now that you couldn't do just a week, month, or quarter ago. Celebrate your wins and recognize how far you've come on your financial journey. Listen in to learn more about the lily pad progress approach and hear about these key topics… [01:36] Pitfalls of using a linear approach to tracking progress [06:52] Benefits of using the lily-padding progress method [12:30] The importance of celebrating wins and acknowledging growth Tune into this episode of Money Files to learn how to reframe how you think about the progress you’ve made toward reaching your financial goals.  Get full show notes and the episode transcript: https://wealthovernow.com/the-lily-pad-progress-method-reframing-your-financial-progress/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan

In today's episode, I'm joining my client, Dielle Charon, on her podcast, The WOC Sales Show, for a candid conversation about transforming your relationship with money and business. Dielle is a coach specializing in sales, business, and money mindset. Together, we explore the common struggles many of our clients and listeners face—such as overcoming shame, building awareness, and breaking old financial habits. We created a powerful 5-step framework designed to shift behavior and mindset. Listen as we walk you through each step of the framework for changing a behavior, by sharing real-life business and money examples from our own experiences and client stories. From clarifying your goals to releasing shame and tracking your progress, we cover the practical tools and strategies you need to improve your mindset, business, and finances. Change may be challenging, but with these actionable steps, you can confidently ditch those bad habits or behaviors that aren't serving you and set yourself up for lasting success. Tune in for a thought-provoking and motivating discussion! Learn more about the five stages of changing a behavior… [03:09] Acknowledging that change is hard [07:00] Overview of the framework for changing a behavior [09:00] Stage 1: You aren’t aware of the behavior [16:02] Stage 2: You are aware, but still do it [22:22] Stage 3: You are aware and starting to slow down the behavior [34:10] Stage 4: You no longer do it, but still dream of doing it [45:54] Stage 5: You no longer have the desire to do it Tune into this episode of Money Files for a candid conversation about the difficulties of change and learn a new five-step framework to shift behavior.  Get full show notes and the episode transcript:  https://wealthovernow.com/five-stages-of-change-with-dielle-charon/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan

Is financial entitlement sneaking into your life? When your income increases, it's easy to start feeling like you "deserve" certain luxuries—like trips, shopping sprees, or hiring help—without fully considering how those choices impact your finances. In today's episode, I explore how financial entitlement manifests, often in the form of thinking about what you "should" be able to do with your money rather than focusing on how it's actually being spent. I dive into how this mindset can create competing priorities that derail your long-term money goals and leave you feeling overwhelmed or ashamed about your finances. Using real-life client examples, I share actionable strategies to overcome financial entitlement, regain control of your spending, and craft a budget that supports the life you truly want to build. Tune in to learn how to align your spending with your financial goals and avoid the pitfalls of entitlement. Learn more about financial entitlement and how to shift your mindset to regain control of your finances… [02:52] Signs financial entitlement are creeping into your life [06:40] Balancing your desires with your financial vision [10:25] Why your income level doesn’t matter when it comes to financial entitlement [20:30] Steps to overcome financial entitlement [20:45] Writing out goals [21:37] Changing self talk [25:18] Celebrating wins Tune into this episode of Money Files for a fresh perspective on financial entitlement and how this mindset negatively impacts how you manage your money. Get full show notes and the episode transcript:  https://wealthovernow.com/when-desires-overwhelm-your-budget-navigating-the-pitfalls-of-financial-entitlement/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan