Money Mindset and Personal Finance for First Gen Latinas: Ching@ Tu Money®

#43: Everyone says to 'reduce your expenses', but you can only cut so much before you're miserableInstead of tracking every single expense to the penny (or extreme coupon-ing), focus on reducing costs for 3 things:HousingTransportationEating out/fast foodBONUS (and most importantly): When reducing expenses STILL doesn't work, amiga, I'm not saying it'll be easy, but it may be time to earn more.From renting a room in a house to save money, to making my biggest money mistake (financing a new car) to my struggles with cooking, this is an episode you don't want to miss.See you in the show!⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️💸How to Stop Underearning And Make More Money💸How I Saved Money On Rent By Renting A Room for 4 Years⭐️RESOURCES⭐️💸1:1 Money Coaching💸Subscribe the Monthly Newsletter💸Follow Mariel on InstagramWant more personal finance for Latinas? Request the next episode topic by emailing mariel@moneyformujeres.com

#42: Not the government wanting the money I borrowed back *eye roll*.If you have outstanding student loans and you aren't sure how to tackle them - ME TOO!This student loan episode WON'T solve your student loan dilemma, but it will:give you #solidarity (You aren't alone, friend!)tell you a bit about the new student loan 'RAP' planget you curious about what to consider in order to make your best decisionSee you in the show!⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️💸Create the Space to Rest: If You're Type A, Listen To This Episode⭐️RESOURCES⭐️💸1:1 Money Coaching💸FREE: Fix Your Money: 6 Episode Audio Course💸Subscribe to the Money Newsletter💸Follow Mariel on InstagramWant more personal finance for Latinas? Request the next episode topic by emailing mariel@moneyformujeres.com

#41: I walk too fast, eat too fast, and am addicted to social media. I need REST, and if you're reading this, you do too. But.... how do we 'find the time' for it?In this episode, I share with you a 3 part framework that will help you find the time for rest. I also touch on:the importance of slowing downurgency as a habitdopamine addictiona one minute silence testYou are in charge of your life, amiga. Time to re-imagine it.⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️💸Dr. Anna Lemke: How Understanding Dopamine Can Improve Your Life⭐️⭐️Most streamed 'Ching@ Tu Money' episodes⭐️⭐️💸My Partner Makes 2x More Than Me. Here's How We Split Expenses💸How to Stop Underearning And Make More Money💸If You’re A Latina, It’s Time To Invest. No More Excuses.⭐️RESOURCES⭐️💸Work 1:1 with Mariel here💸Fix Your Money: 6 Episode Audio Course💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them💸Follow Mariel on InstagramWant more personal finance for Latinas? Request the next episode topic by emailing mariel@moneyformujeres.com

#40: Given that my boyfriend pays for a lot of our shared expenses - I often wonder, 'Am I financially abusing him?'I don't wonder it jokingly. He has shared with me that in the past, he experienced some financial abuse (including financial infidelity). I love my boyfriend and I respect his money. But, some of the behaviors he describes from his past sound a bit like the arrangement we currently have going on.In this conversation, we dive into his experience, thoughts and perspective. SPOILER ALERT: he says I'M NOT financially abusing him.Money can be complicated and having conversations around money can be even more so. Tune into this episode to be a fly on the wall of a real life insecurity of mine.See you in the show!⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️💸My Partner Makes 2x More Than Me. Here's How We Split Expenses💸Financial Abuse in Couples: Money Red Flags To Look Out For⭐️RESOURCES⭐️💸GIRL JUMP! Building Your Financial Safety Net to Leave An Abusive Relationship And Reclaim Your Freedom send me your confirmation email to mariel@moneyformujeres.com💸Follow Justine De Peralta on Instagram💸Subscribe to my Monthly Newsletter💸Follow Mariel on InstagramDISCLAIMER: If you are experiencing financial and domestic abuse and are immediate danger, dial 911.If you are not in immediate danger, call the National Domestic Violence Hotline at 1-800-799-SAFE (7233). They also have a website, but here is a Security Alert from their website:‘Internet usage can be monitored and is impossible to erase completely. If you’re concerned your internet usage might be monitored, call us at 800.799.SAFE (7233)’If it is safe to do so, you can visit thehotline.org for more information and resources.Want more personal finance for Latinas? Request the next episode topic by emailing mariel@moneyformujeres.com

#39: Money can be used as a tool, but it can also be a weapon.In this episode, we talk financial abuse:What it isExamples of what to look out forWhat to do if you feel you are experiencing itWhy you shouldn't feel shame if it's happened to youFinancial Abuse is the most important money topic I will ever talk about. Give this episode a listen, and then share it with a friend, co-worker, or loved one that may be experiencing financial abuse.⭐️⭐ RELATED PODCAST EPISODES⭐️⭐️💸Financial Abuse in Couples with Author Justine De Peralta💸Financial Abuse in Family with Author JDP💸Financial Abuse in Friendships with Author JDP⭐️RESOURCES⭐️💸Work 1:1 with Mariel here💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them💸Follow Mariel on InstagramWant more personal finance for Latinas? Request the next episode topic by emailing mariel@moneyformujeres.com

#38: I don't have enough money to max out my Roth IRA this year.BUT I know that everything I invest will add up - even if its $10 a monthIn this episode I outline 5 reasons to invest EVEN if you have little moneyBecause you can. Thanks to 'fractional shares' you can buy $10 of an investment at a timeStarting when you have little money allows you to build the CORRECT investing habitsBecause it's not all in or all outBecause of, hello!, compound interest. (its the 8th wonder of the world)Because amiga, investors look like you and me. Mujeres. Poderosas. Latinas. It's time to invest. No more excuses.At the end of the episode, I share with you 3 ways to get started with investing.Amiga, welcome to your investor era. We're waiting for ya. See you in the show!⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️💸Building Wealth: 3 Mistakes I Made As A Beginner Investor💸I Worked In Tech And Was Made To Feel Like I Could Never Understand Investing. Now I Teach Women How To Do It💸If You’re A Latina, It’s Time To Invest. No More Excuses.⭐️RESOURCES⭐️💸Hire Me To Help You Open Your IRA💸Stay Updated on Upcoming Money Workshops/Challenges💸FREE: 'RETIRE ON TIME' Workshop Replay with Mariel💸FREE: 'Beginner Investor' 60 minute Workshop with Jeremy💸Savings Goal Calculator💸Follow Mariel on InstagramWant more personal finance for Latinas? Request the next episode topic by emailing mariel@moneyformujeres.com