Is money (or lack thereof) keeping you from fully enjoying your life? Are the stories you tell yourself preventing you from improving your money mindset and hav...
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
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49:03
151 | When Desires Overwhelm Your Budget: Navigating the Pitfalls of Financial Entitlement
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
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28:04
150 | How Coaching Helped Denva Redefine Her Relationship with Debt
In today's episode, I welcome my client, Denva, to the podcast.
When Denva first came to work with me almost two years ago, she was dealing with credit card debt, starting a new job, and caring for her terminally ill mother. She struggled with feelings of shame and insecurity about her finances, especially around debt, but through our coaching work together, she's completely redefined her relationship with money.
Join us for a financial check-in as Denva walks us through the incredible progress she's made—like paying off credit cards, overcoming emotional spending habits, and shifting her mindset around debt. Her story is a powerful reminder of the impact that mindset shifts and intentional financial management can have on your life.
If you aren't sure if financial coaching is right for you, don't miss this episode! Denva shares insights about what it is like to work with me and her top takeaways from her coaching experience.
Learn about Denva’s financial journey as we chat about these key topics…
[01:08] What made Denva decide to hire a financial coach
[09:04] The most notable shifts and changes Denva has experienced since coaching
[12:25] The role of self-discovery in building financial confidence
[15:37] How Denva’s mindset about debt has evolved
[20:30] Intentional spending vs. fear purchases
Tune into this episode of Money Files to hear about Denva’s experience with financial coaching and progress and success she continues to create for herself.
Get full show notes and the episode transcript: https://wealthovernow.com/how-coaching-helped-denva-redefine-her-relationship-with-debt/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
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37:20
149 | Navigating Debt Payoff: Insights and Strategies
In the past few weeks, I've focused on the importance of debt awareness and how becoming a saver can help break the cycle of debt. Today, I'm excited to share the next step in your financial journey: choosing a debt payoff strategy.
In this episode, I share personal stories and client successes, highlighting how understanding your specific types of debt—like credit cards, student loans, or auto loans—can greatly impact your repayment approach. I'll walk you through the most common debt payoff options, providing examples to help you find a strategy that aligns with your financial goals.
I also stress the importance of managing cash flow and how reducing high monthly payments can create more financial freedom. I encourage you to look into ways to earn extra income through side gigs or monetizing your skills to speed up your debt repayment.
With the right mindset and strategies, I genuinely believe anyone can overcome debt. Remember, you have the skills to succeed on your financial journey. Tune in for actionable insights and inspiration to take control of your debt!
Explore debt payoff strategies and leverage these financial tools to help get out and stay out of debt…
[02:36] How different types of debt influence payoff strategies
[03:55] Identifying cash flow opportunities
[07:28] Comparing debt avalanche versus debt snowball
[13:25] When to use a balance transfer
[15:50] Always focus on making more money
Tune into this episode of Money Files to discover which debt payoff strategy is right for you.
Get full show notes and the episode transcript: https://wealthovernow.com/navigating-debt-payoff-insights-and-strategies/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
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18:43
148 | Mastering Holiday Spending: How to Plan Ahead and Enjoy a Debt-Free Holiday
No matter which holiday you celebrate, the season comes with many expenses and obligations and holiday spending can lead to debt if you don't plan ahead.
In this episode, I'm sharing strategies to help you have a debt-free holiday season. I guide you through exercises to identify what you truly value about the holidays and how to incorporate those values into your budget. I also emphasize the importance of making a detailed gift list and setting realistic budgets so you avoid overspending. Additionally, I explore alternatives to traditional gifts, such as experiences and travel.
Whether you're feeling the pressure of holiday obligations or concerned about overspending, this episode provides practical tips to help you enjoy the season without financial stress. Tune in for insights on celebrating a debt-free holiday!
Try these strategies to plan for the holiday so you can have a debt-free holiday season…
[02:26] Put the holidays in your budget
[05:12] Write down what you value about the holiday season
[08:33] Decide how to express yourself this season
[12:44] Make a detailed gift giving list
[17:05] Change the gift giving narrative
[22:15] Make an event list
Tune into this episode of Money Files to start planning for a debt-free holiday.
Get full show notes and the episode transcript: https://wealthovernow.com/mastering-holiday-spending-how-to-plan-ahead-and-enjoy-a-debt-free-holiday/
Links mentioned in this episode…
Set up a call | Financial Coach Washington, DC | Wealth Over Now
Download my FREE spending plan
Is money (or lack thereof) keeping you from fully enjoying your life? Are the stories you tell yourself preventing you from improving your money mindset and having a better relationship with your finances? Join Keina Newell of Wealth Over Now on Money Files: your financial toolkit and a place to start working on your money mindset, learn new financial concepts, and hear candid conversations from her clients who have been right where you are and are on the other side. If you are ready to start your financial journey, head to www.wealthovernow.com and subscribe for new episodes each week.
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