Charlotte Darr

Financial Counselor

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.

Learn how to make lasting financial changes by understanding the science behind goal-setting in this informative session with Charlotte.

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.

Learn to plan for unexpected expenses while still working towards your financial goals with Accredited Financial Counselor Charlotte Darr.

Planning For Unexpected Expenses

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.

Mental health affects financial management; 3/4 of Americans feel anxious about money. Accredited Financial Counselor Charlotte Darr offers advice.

The Anxiety & Money Cycle

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

Discover 7 steps to create your financial roadmap and start managing your money in a way that feels good for you including checking your money mindset, determining your financial goals, tracking your spending, building an emergency fund, paying off high-interest debt, building wealth and increasing your income.

Your Financial Roadmap

Wondering how to create a budget that you actually want to stick to? Learning how to spend mindfully and in a way that reflects what you value is key! In this episode is part 2 of "How To Create A Budget That You Love", we dive into some ideas on areas to cut back costs on so that you can spend more on the things that you love. This episode discusses: Reflecting before making a big purchase Saving money on restaurants and groceries Ideas to save on big expenses Refinancing high-interest loans Negotiating interest rates Planning for upcoming events and expenses Paying yourself first

Learn how to create a budget you love by spending mindfully and cutting back on costs, including refinancing loans and paying yourself first.

Creating A Budget You Love (Part 2)

One of the most common questions I'm asked is "How do you actually stick to your budget each month?" This episode is part 1 of 2 in how to create a budget that you actually WANT to stick to. This episode discusses: Value-based budgeting steps to create your budget How to create a budget that's realistic Keeping up the motivation to stick to it Part 2 of this series expands on these concepts, and also discusses ideas on how to make modifications to your spending so that it's more aligned with your values.

Learn how to create a value-based and realistic budget that you actually want to stick to in this episode, with part 2 covering spending modifications.

Creating A Budget You Love (Part 1)

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

In this episode, learn about toxic money habits among millennials and how to break them by acknowledging them and creating new positive habits.

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

Learn what a recession is, its causes, impact on finances, and 6 steps to recession-proof your finances in this episode of financial education.

Preparing Your Finances for A Recession

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

Learn how to start a side hustle or small business with tips on identifying ideas, creating a plan, budgeting, entity types, and finances.

How To Start A Side Hustle

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.

This article covers financial conversations to have in romantic relationships and what types of money questions you can ask your partner.

Talking About Money In Relationships

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

Learn how to take consistent action towards your financial goals by setting goals based on core values and aligning actions with them.

Staying Consistent With Financial Goals

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.

Learn how to spend in alignment with your values, release guilt and shame around spending, and create a budget for guilt-free spending in this track.

Tracks by Charlotte Darr