It can be tough to break toxic money habits, but one of the first steps is to acknowledge the habit so you can create space for building new, positive habits instead. In this episode, I'm sharing five toxic money habits that I see among millennials and steps you can take to let go of that habit this year. In This Episode We Talk About: Toxic money habits Past financial mistakes Comparing your financial success to others Spending above your means Emotional spending Not talking about money

Toxic Money Habits To Quit This Year

Hearing talk about a recession is a pretty scary thing. Whenever a recession hits, it brings a ton of discomfort and uncertainty for individuals and their finances. In today's episode, we're diving deep into what a recession is, factors that can contribute to a recession, the impact that a recession can have on your finances, and how to prepare your money to remain financially successful in the midst of a recession. In this episode, we talk about: What is a recession? What causes a recession? How long can a recession last? The 4 phases of the economic cycle 6 steps to recession-proof your finances

Preparing Your Finances for A Recession

A lot of times, people want to get started on their financial journey but they have NO idea what step to take first. This outlines 7 steps to creating your financial roadmap so that you can start managing your money in a way that feels good for YOU. In This Episode We Talk About: Checking in with your money mindset Taking stock of your financial situation Determining your financial goals Tracking your spending Building an emergency fund Paying off high-interest debt Building wealth Increasing your income

Your Financial Roadmap

Our mental health impacts the way we think, how to feel, and how to act. And that includes how we manage our money. In fact, over 3/4 of Americans have reported feeling anxious about money. In today's episode, Accredited Financial Counselor, Charlotte Darr, talks about anxiety and money, and steps that you can take to minimize your financial stress this year.

The Anxiety & Money Cycle

Thinking about starting a side hustle this year? Then this episode is a MUST LISTEN for someone starting a new side hustle or small business. Today's episode covers everything from identifying business ideas, creating a business plan, building a startup business budget, different business entity types, and basics of business finances, as well as common questions people ask me about my side hustle journeys. In this episode we talk about: Identifying your skills and interests Creating a business plan Competitor research Marketing your business Building a business budget Business Entities - the basics Business Finances FAQs about starting a side hustle or small business

How To Start A Side Hustle

Today we're talking about how to take consistent action towards your financial goals this year. This episode talks about: Money Mindset Money Beliefs Setting financial goals that are based on your core values Taking actions with your finances that are aligned with your core values Reverse engineering the steps to take to achieve your financial goals

Staying Consistent With Financial Goals

If there is one topic that I know a lot of my clients feel anxious about, and that I have felt anxious about myself, is navigating conversations about money--especially in romantic relationships. Today's episode covers financial conversations to have in a relationship, and what types of money questions you can ask your partner (or potential future partner) at different stages of your relationship.

Talking About Money In Relationships

In this track, we talk about whether or not it's *actually* bad to spend money, and how to release feelings of guilt and shame when spending each month. Here, We Talk About: How to spend in alignment with the things that matter to you, How to release feelings of guilt and shame when it comes to spending, and How to create a spending plan (AKA a budget) that allows you to spend guilt-free.

Is Spending Money "Bad?"

Do you struggle with making sustainable changes to your spending and financial habits? In this session, Charlotte talks about the science behind setting financial goals, and how shifting the way you implement your goals can have lasting impacts on your financial life and your financial habits and behaviors.

How To Change Your Spending Habits

Do you ever feel like you are taking two steps forward, and one step back with your money? Like you always get a little ahead and then some unexpected expense comes up that leaves you back in debt or with little-to-nothing in savings? In this track, Accredited Financial Counselor Charlotte Darr is talking about how to plan for unexpected & irregular expenses while continuing to work towards your other financial goals.

Planning For Unexpected Expenses

Charlotte Darr

Financial Counselor

AFGHANISTAN

ALAND ISLANDS

ALBANIA

ALGERIA

AMERICAN SAMOA

ANDORRA

ANGOLA

ANGUILLA

ANTARCTICA

ANTIGUA AND BARBUDA

ARGENTINA

ARMENIA

ARUBA

AUSTRALIA

AUSTRIA

AZERBAIJAN

BAHAMAS

BAHRAIN

BANGLADESH

BARBADOS

BELARUS

BELGIUM

BELIZE

BENIN

BERMUDA

BHUTAN

BOLIVIA

BONAIRE, SINT EUSTATIUS AND SABA

BOSNIA AND HERZEGOVINA

BOTSWANA

BOUVET ISLAND

BRAZIL

BRITISH INDIAN OCEAN TERRITORY

BRUNEI DARUSSALAM

BULGARIA

BURKINA FASO

BURUNDI

CAMBODIA

CAMEROON

CANADA

CAPE VERDE

CAYMAN ISLANDS

CENTRAL AFRICAN REPUBLIC

CHAD

CHILE

CHINA

CHRISTMAS ISLAND

COCOS (KEELING) ISLANDS

COLOMBIA

COMOROS

CONGO

CONGO, THE DEMOCRATIC REPUBLIC OF THE

COOK ISLANDS

COSTA RICA

COTE D'IVOIRE

CROATIA

CUBA

CURACAO

CYPRUS

CZECHIA

DENMARK

DJIBOUTI

DOMINICA

DOMINICAN REPUBLIC

ECUADOR

EGYPT

EL SALVADOR

EQUATORIAL GUINEA

ERITREA

ESTONIA

ETHIOPIA

FALKLAND ISLANDS (MALVINAS)

FAROE ISLANDS

FIJI

FINLAND

FRANCE

FRENCH GUIANA

FRENCH POLYNESIA

FRENCH SOUTHERN TERRITORIES

GABON

GAMBIA

GEORGIA

GERMANY

GHANA

GIBRALTAR

GREECE

GREENLAND

GRENADA

GUADELOUPE

GUAM

GUATEMALA

GUERNSEY

GUINEA

GUINEA-BISSAU

GUYANA

HAITI

HEARD ISLAND AND MCDONALD ISLANDS

HOLY SEE (VATICAN CITY STATE)

HONDURAS

HONG KONG