I’m turning 30.
I need to make more money.
I want to save money.
Oh and I’m getting a dog.
These few short sentences best describe my client Catarina who I’m featuring in my Money Files series. When Catarina and I started working together she fundamentally knew she should be saving money but her greatest financial setback was feeling like she didn’t make enough money to actually benefit from budgeting. This limiting belief kept Catarina from taking action and gave rise to financial stress.
Through my 1:1 partnership I helped Catarina learn how to budget (regardless of her income) and find financial balance between paying her bills, paying down debt, and saving money. Week after week we worked through aligning her income with her financial values and I helped her practice making intentional money decisions so she could create room for more of the things she loved without feeling guilty about a singular purchase or decision.
Listen to this episode to learn…
- How giving every dollar a name helped Catarina shift how she thinks about her purchases
- How Catarina learned to responsibly use her credit card
- How Catarina’s been able to plan for big bills without fear and anxiety
- How creating a dream budget helped her redefine her financial goals
If you’ve found yourself frustrated by the thought of budgeting you’ll want to tune into this episode. Catarina will share the lessons she’d learned that have helped her experience financial balance.
Listen to Catarina’s Money Files Episode
The Transcript
Keina:
[00:00:00] Hello everyone. My name is Keina Newell. I’m a financial coach and I work with professional women and solopreneurs to create new possibilities with their money. If you are tuning in right now, you are joining me for money files. So welcome. Hi today on the money file series. I am talking to my client Catarina, and if you’ve ever had the thought that you just need to make more money, and that’s the thing that will help you improve your financial situation, you’re going to want to tune in Catarina.
[00:00:29] And I, we work together. And she also held a belief that like, she just needed to make more money, but she also had been told that like she needed to save money. She needed to pay off debt and do all of these things, but she had never been taught how to actually manage her finances until she actually was courageous enough and reached out for one-to-one coaching.
[00:00:50] So you’ll want to tune in. And here what we were able to do with the same amount of income that she was already making and what she’s looking forward to the most since she actually has a new sound skillset. Hi, thank you so much for joining me for another episode of money files. I’m here with my client Catarina and.
[00:01:11] I’m gonna let you introduce
Catarina:
[00:01:11] yourself. Hi, my name is Catarina. I’m from the DC area. I have lived predominantly in this area, my entire life. I am turning 30 this year and I work in retail as a key holder for my store. One. I’ve had a lot of different career changes and things I’ve done anywhere from makeup artists to historical work and now retails.
[00:01:36] So I have a lot of different interests and do a lot of different things. So yeah, that’s a brief introduction to myself.
Keina:
[00:01:43] Well, thanks for joining me for this conversation. Yeah. If you want to go back to, when we worked together a couple of months ago, what was your like, decision? What made you want to actually reach out to.
[00:01:54] I financial
Catarina:
[00:01:54] coach, I would say for me, it was about the openness. Like when you think financial coasts, I think a little bit more business and not that you are not like a serious business nor business person, but like just very much like, Hey, I’m just here to help you. Whoever, whatever scenario you’re in is what I really liked.
[00:02:15] I found you through social media when I was following your social media more and more, I became interested in your philosophy of financial preparedness and financial work. And so that’s kind of what led me to wanting to work
Keina:
[00:02:29] with. So Katarina and I just took a brief break because we were talking about the dog.
[00:02:34] So if you guys hear any like extra noise, she has a pup in the background, which actually she got the puppy while we were working together. So tell us how you worked in having a dog into your financial. Well,
Catarina:
[00:02:47] that was a big thing. And I was actually scared to tell you, I was like, we’re working on not spending money.
[00:02:53] We’re working on savings. And I’m about to take on a very large financial thing. I mean, a dog is expensive, a dog has vet bills. So we talked a lot about. Just how to work it into my budget financially deals I could take advantage of. So two things I did through my work was because I work for a company that has dog products.
[00:03:17] I get a discount on dog food. So I signed up for that right away. Cause it’s free to me. So any benefit a company may have, and the other thing I did was dog insurance, which actually. In December, he had an emergency issue and I had a $700 bill afterwards because there was no other option, but him getting treated.
[00:03:39] And because I had the animal insurance, they cover 90% of emergency things. So that did not set me back the way it would have years. You know, I would have been paying that bill for. And I would have been stressing about that bill, but because I could budget it and work it into my plan and a big thing for me too, is I would spend my credit card and just be like, okay, I’ll get to it later.
[00:04:05] Oh, I’ll get to, but with no plan. So when I gave my credit card for that payment, I was like, I know I will have a payment plan for this at this time. And there’s like, uh, there’s a timeline. I’m giving myself naturally to pay off these things.
Keina:
[00:04:20] I love that. And that’s. It’s a huge shift. I actually went back and I looked at your application to work with me.
[00:04:27] And one of the things that you talked about was like, you were taught not to overspend and say, but you never really knew how and thinking about. I think that’s something that all of us can relate to where. People talk about things and we’re just supposed to have this like, common understanding. And I think we like nod and shake our heads.
[00:04:50] Like, yeah, we’re supposed to do that. Okay. But we don’t really know the how of it. So in us working together, how did it help you think about how you want to spend money, how you want to save and. Really just giving you that, like, I would, I would call it agency. I don’t know what the word you would use for it.
[00:05:11] I
Catarina:
[00:05:11] think agency’s a great word for that, because it’s all about. We all, as most adults, we have paychecks, we have bills, but it’s how much we let those things control our life or our lifestyle. My before was, yes, I can afford to have this credit card and I can put this much on it, but then it would be the stress of, but I don’t know how I’m going to pay this off.
[00:05:33] Cause I don’t make enough money to pay this off, or I want to enjoy things in my life. But. What’s the price I’m paying later the stress of the finances and something that when I began to work with you, you would say all the time. And I, I genuinely did not understand it like I did, but you would always say, put a name to every dollar you spend in the budget, like, okay, so your Spotify costs you 1299 a month.
[00:05:59] How are you going to allocate money for that Spotify? And at first I was like, okay, but why am I thinking about these lights? Uh, it was con it wasn’t confusing, but it was just like, okay. But it’s just like a dollar is kind of how I would think about it. And then it’s like, fuck those dollars set up. So like when we were budgeting and you started to be like, okay, so where’s that money going to come from you.
[00:06:19] You ate out too much this week. Where are you going to take from? And that way of thinking has now translated into like every purchase. That’s not budgeted for, or even I’m due to get my glasses updated. I just went to the eye doctor and I’m like, oh great. I have in savings this much in my budget. I remember I’ve been saving these many months and I have this much saved for glasses.
[00:06:44] So it’s not like one of those big bills. I want to put it on the credit card and not know how I’m going to pay. I have half of the payment already, and that was not a thing for me beforehand. So that’s, that’s a big deal. Yeah. That’s like a change in a shift in the mindset.
Keina:
[00:06:58] Yeah. And I think a lot of my clients would also echo like, okay, Keno, why am I giving like something simple would be like Costco it’s I think a membership is about $60 to $5 a month.
[00:07:13] A lot of money, right? Yeah. But also on the flip side of that, there’s two sides. If you say the $5 a month, then when they pull the $60 from your account, you’re like, oh, that’s fine. Versus you don’t even know that they’re pulling the Costco money. And then when it hits, it’s like also the month that like, Your dog had to go to the vet and then this happened and then this happened and that $60 can be a lot of money.
[00:07:41] So just being really mindful, I love that you were talking about, you know, in the past it was like things would come up and you’d like pay for it, but you don’t really know how, but even when you were just talking about your glasses, Right. We didn’t, we probably didn’t know exactly when the eye appointment was going to come.
[00:07:57] But whenever, like just the fact that you have half of the amount now we’re talking about my eye appointment was $120. I have $60. Now you need to find $60 and you can rearrange your, your spending plan to figure out where you want to free up that $60. Exactly.
Catarina:
[00:08:15] It’s like the big bills aren’t as scary anymore.
[00:08:18] So if that month the electric bill was really high. It used to be like, oh, this is gonna, this is going to hurt. Like I’m not, my bank account is like going to make me sad when I open it. But now it’s like, well, no, I have this much saving for that. And if the electric was high, but the gas was a bit lower, I can take from the gas this time.
[00:08:37] So it just it’s like this balancing idea. Even if I’m late, because I’m still doing weekly money dates with myself to just balance everything out and kind of see where I’m at in my savings in my spending. And it’s a good way to kind of watch myself instead of, because it’s so easy to just pull out your card or if your card’s pre-programmed on your phone to spend without thinking.
[00:09:01] And by having like that money day to day, Once a week or every 10 days or so, just to be like, okay, where have I gone in? This is really like grounding and just nice to know. Where everything is going. And it’s not just this mindless of, oh, I have this much left in my bank account, but I have this huge bill due or something came up unexpected.
[00:09:24] I
Keina:
[00:09:24] know one of the things you mentioned, I don’t know if you remember writing about this, but you were talking about that you have like a constant concern that after you paid your bills, that you wouldn’t have enough money for.
Catarina:
[00:09:35] Right. And I have not had that feeling in months now with budgeting, which is incredible, right?
[00:09:41] Like even because it’s the middle of winter. And I think this is something we even talked about, like, as I own a house, like the bills are more expensive usually for, you know, your heating and electric and all that. So they’re higher this month. And when I looked at what I have budgeted for that. I am completely fine.
[00:09:56] So there’s no change in my lifestyle, the things I enjoy to do like eat out, or if I want to buy something, when, before I wouldn’t have been able to do both, it would have been like, I have to pay my bills and now stay at home, which, you know, we’re already staying home a lot, but like, it would be. No, I’m doing nothing else.
[00:10:14] There’s no online shopping. There’s there’s nothing. Yeah.
Keina:
[00:10:19] Yeah. Sorry guys. I’m going to have to sit this one out.
Catarina:
[00:10:22] Yeah, exactly. I was like, I’m not going to go out for anything
Keina:
[00:10:27] and something else that came up when I was looking like, I love to go back and like, look at the things that you. Because I am always just amazed at the shifts that people have.
[00:10:39] One of the things you talked about with like having this idea that you don’t make much. And so when, when I read that, it’s like you have the belief that I don’t make that much money, which that could be any number. So anyone who’s listening, you could say you make 30,000, 50,000, 70,000. Hmm. When I read that, I’m thinking like you have this belief.
[00:11:03] Well, because I don’t make that much money. I shouldn’t like, what’s the point of bloody.
Catarina:
[00:11:07] Yes. And I think that’s probably a hesitation. A lot of people feel with working with a financial coach like yourself, where they’re like, well, I don’t have that money, much money to spend or make her. And it’s like, that’s not it.
[00:11:22] Any money, any lifestyle, if you are not budgeting or not understanding where that money’s going, or really taking a deep look into your bills and it’s overwhelming. Right? So I think for anyone it’s overwhelming to look at what bills you have due that month, what subscriptions, whatever it may be and be like, oh my God, how am I going to pay all this weather?
[00:11:43] $35,000 a year, like 80,000. Right. But for me it was definitely that thing of, well, I don’t make that much. I had this mindset of, because I’m not where I want to be or at the paycheck I want to be, I can put this off, but then the more I talked to you, or the more I listened to you and followed you on social media, I realized if I’m struggling now with the paycheck I have, how’s it going to be when I do get to the paycheck?
[00:12:11] Right. It’s just going to be more stressful. It’s going to be more crazy. I’m not going to understand better, like what to do with that money. So I would rather start now and feel really prepared. And, and I do, I feel a lot better already, and I’m at the same place I was when I met you. So the amount of money you’re making, doesn’t matter.
[00:12:35] The balancing of the money you’re making what you want to be spending, how you want to live your life and how you want your finances to look at the end of the day. Like, how do you want your savings to look? What are your goals in spending? So, yeah, that made a big difference
Keina:
[00:12:49] for me. I love it because I always say to anyone who will listen to me, it’s not about how much money you make.
[00:12:56] Cause people it’s about the habits that you build and you will do whatever. If you were making $30,000 a year, or are you making $300,000 a year, whatever habits you’ll take those with you. I see it all the time with my clients and people that will tell me, like I’m making really good money, but I don’t know where it is.
[00:13:17] And we all experienced as you make more money, you experienced this thing called lifestyle creep and it’s like, oh, well, I’m making a little bit more. Let me. Add something to my life, then I feel deserving of everyone’s been there, done that. Or maybe it’s also just life has shifted with you in the sense that like there’s more responsibilities.
[00:13:37] Like you talked about being a homeowner, which is a lot different than when you’re 22 and you’re in college. And I know I did work study and I was really rich in college making $300. But just being really mindful that if you have that. That you just need to make more money and then like, everything will like fall into place.
[00:13:57] That’s not necessarily true. You actually have to make sure one that you have a plan, but then too, you shift your thoughts about how you manager your finances.
Catarina:
[00:14:06] And I think that was a big thing. Like you said, it’s like, it’s like, oh, well it’s almost like you think naturally, oh, I started making more money.
[00:14:14] I will suddenly be great at managing this money because I have more of it. And it’s like, that’s just really not the case, anyone.
Keina:
[00:14:23] And then one of the things I talked about earlier this week with another client was. Something that I’ve deemed, I’m going to call it financial visioning. Cause I do think there are places where, and I think we talked about it a little bit more.
[00:14:34] Like how much do you want to actually increase your, your salary and really being in a place where you’re thinking about how much money. Do I want to be spending on things, whether that’s how much money I want to be saving, you know, I want to like start contributing more to my 401k. So just kind of really thinking more in an along the lines of like expansion and an abundance.
[00:14:59] So you actually come to a number where you’re like, oh, okay, well, right now I make $4,000 a month, but that budget is like $6,000 a month. So, you know, your gap. $2,000 a month, but not in a way where it’s negative, but in a way where now we’re starting to let me think about, do I, how could I create more money?
[00:15:19] Would it be doing a side hustle? Does it look like me asking for a raise at work? Does it look like me applying for new roles, but now we’re asking different questions and with the skillset that you have now, you know, When I make that amount of money, not only do I know what I can create in the world, but I know exactly how I can manage my
Catarina:
[00:15:36] finances.
[00:15:37] Yeah, no, absolutely. I mean, and that’s even helped me cause I’m kind of job searching and looking at changing roles. And when we did that, like dream budget, it was very eyeopening to me. Because I was thinking, oh, well, I just want to make it to myself. I was like, well, I want to get in a job that makes 10,000 more a year.
[00:15:56] Right. It’s like, I know I don’t even know how I get these numbers, but I’m like, that sounds nice. Right. And now like doing the dream project with you, you’re like, actually, no, you need to be making more like 15,000 to be living your dream budget for the lifestyle you want. That’s it it’s so easy to budget.
[00:16:15] Of course, when you’re dreaming about things, it’s always easy. But like when you’re just like, well, I would want to spend this much on eating out and this much savings and this much for travel and it’s, it’s very eyeopening for looking for a career or even lifestyle changes. Like, I don’t know. I feel like someone who’s looking into buying a house, anything.
[00:16:34] It’s very eyeopening to do that dream budget with yourself. And it’s fun too. Cause like, I think there’s this idea that doing your finances, isn’t fun. It’s like, oh, I have to pay the bills. And I’m like paying the bills is nice. Like I, I know where, how I’m going to pay the bills. So when you have that control taking, especially for me like that stress out of it is incredible.
[00:16:54] It’s not
Keina:
[00:16:55] scary anymore. I love it. My job here is done. Anytime I can get someone to talk about there’s joy in managing their finances and money is simple. My job has done ultimate results. What are some of the biggest shifts that you think you’ve had since.
Catarina:
[00:17:12] Work together budgeting just basic 1 0 1 budget.
[00:17:16] And I think, cause it’s funny, you mentioned like in college you did work study. And for me in my young twenties, I was a server. So because you’re always making cash at the end of the week, it was based on how my tips were that week. And so I just didn’t start adulthood budgeting and never was really taught it.
[00:17:33] So I was just like, That sounds nice. Like I didn’t really understand. So that’s why that’s the main reason I started working with you. So consistent budgeting is a big deal to me and amazing. Um, it sounds small, but it’s life changing. And then just back to that, putting. Like a name to every dollar you spend.
[00:17:56] For me, it was a big thing of, yes, we all know to not spend if you don’t have it. But if I am pulling out my credit card for an expense, what is that expense? Does it have to happen? And how am I going to pay it and what is the plan to pay it? And that was a big thing for me. Although I was still saving and paying off debt at the same time, because both are equally important to me.
[00:18:19] I was also really determined when meeting you to pay off credit card debt. Like that really bothered me. I don’t like being in debt in any way since having this budgeting and talking to you. I’ve actually paid off one of my credit cards and the other one I should have paid off probably in the next like five months.
[00:18:39] So just having that plan and that light at the end of the tunnel kind of is really great for me. So that’s a big deal to me then also just not being as weird about talking about money. Like, I mean, I’ve always been fine talking about money. I just, it’s funny to me now, when I hear people who don’t really look at their finances in detail, you can, you can kind of tell almost in a simple comment, you’re like, oh, well, I spent, so I’m like, well, what do you mean?
[00:19:08] How do you know if you spent so much, like you don’t, you don’t track any of it? I don’t know. It’s just a different outlook on finances is where I’m just like, oh, well it’s not in the budget. It’s like, very, like, just like nonchalant. It’s like. Not in the budget. So either I’m going to make it work or I’m not, and if it doesn’t work, it doesn’t
Keina:
[00:19:25] work.
Catarina:
[00:19:28] So yeah, it makes it a lot easier.
Keina:
[00:19:31] Do you remember how much credit card debt were you in when we started working together?
Catarina:
[00:19:35] So when we started working together, I think I was like 5,000 in credit card debt. And here’s the thing. When I met you, I was also refinancing my home. And that was causing me a lot of stress because it was hard to get a refinancing.
[00:19:51] I finally found one and part of the refinancing for them to work with me at the interest rate I wanted in the deal I wanted was to give me money, to put towards my credit card debt. They were like, okay, since you have pretty good credit score, but you have this much debt, we’re going to give you a check for this amount to pay these off.
[00:20:09] So that allowed me to pay off my target credit card. And my, I only have one main credit card really, and pay off. Almost. That one entirely. So that was because I had collected some debt over the holiday season. That’s when the budget went bad. And that that’s the thing about it. It’s like, that would stress me out to the point where I felt horrible spending any dollar I have into the PR.
[00:20:32] But since I had a plan and I was like, okay, I’m going to refinance then after that, my budget is this, this, this, I will pay off my credit card by this time. So even though. $10 eating out. It doesn’t make me feel like a horrible person, like it used to. So, yeah, so right now I am just at like a thousand in credit card debt.
Keina:
[00:20:53] Awesome. I was going to ask you, how do you feel like your, your spending on your credit card before we started to working together versus now, have you stopped spending on your credit card? Like how, what are your, what’s your process for using.
Catarina:
[00:21:07] I’m still using a credit card and sometimes it’s more intentional spending, I would say.
[00:21:14] And the only reason I’m sometimes using it is because sometimes the way I have things budgeted, it’s easier for me to use the credit card in that moment and then move it around in the bank accounts to pay it off for the way I like to budget and see things is more what it is that. I don’t have that money right now.
[00:21:33] It’s just like, oh, well I want to take it from this account and this account and pay it like, so, and then sometimes it’s also just also collecting credit card points is kind of like, if I know like, oh, well, if I spend it, this I’m going to get this much back because you know, I might do it for that purpose as well.
Keina:
[00:21:51] And I’m not like, as a coach, I’m not anti credit cards. It’s just like, if we’re using them, we need to know what we’re putting in.
Catarina:
[00:21:56] Uh, credit card. I think that’s, that’s the biggest difference. Like I can see how it’s very dangerous to have a credit card when you’re trying to budget, but it’s more intentional and definitely not using it as much.
[00:22:10] I would say there was a point there was like almost a month. Month and a half, I didn’t use it. Right. Like I was like, well, there’s no need, I have a budget for this. I have this. And do I really need that thing? That’s gonna make me pull out my credit card. If anything, it’s more like the things like when that giant, that bill comes, I’ll do it then, because I know I’m getting that payment from my insurance within a few weeks, so I can pay that off right away before interest gets too bad.
[00:22:39] So it’s things like that.
Keina:
[00:22:42] No, that makes total sense. What results are you most proud of? It’s really about the
Catarina:
[00:22:46] way you, I feel at the end of the day, I would say I’m really excited that when I opened my accounts, I’m not nervous. You know, I think everyone, everyone has that moment. They’re like, I really don’t want to open and look what my bank statements at, you know, or something like that.
[00:23:00] And I don’t ever feel that I haven’t felt that. In a long time where I’m just like, oh, I don’t want to see it because I know what I’m spending on because that, that feeling around finances is a huge deal and it causes a lot more stress than I think it needs to. So having that is incredible. And then just feeling more confident in myself in the current role I’m in with the current money I’m making in already.
[00:23:29] Knowing. Okay. So if I need, I want to look for jobs that are this much payment, or this is how much I need, or how much do I have savings towards this home project? I want to do next, just like the confidence in, I can do this. It’s reachable. It’s attainable versus I’ll see, when I get there, Ted thing is
Keina:
[00:23:51] like, your results are results are yours.
[00:23:53] There’s this level of possibility that’s already there and you being in control of those results.
[00:23:58] Yeah.
Catarina:
[00:23:58] Yeah, exactly. It’s a great feeling. Just knowing that it’s attainable.
Keina:
[00:24:05] Yeah, no, I understand that completely. Well. Are there, is there like anything that I should have asked you that I didn’t ask?
Catarina:
[00:24:12] I think we covered everything pretty well.
[00:24:15] I mean, those were the main things, like exciting just to have a plan in place and be able to execute it and more control over just your own finances. And it’s okay to ask for help. I think a lot of people think, well, I can figure this out, or it is totally okay to have a coach. I mean, Go to the gym and you work out with trainers, you can do the same thing for your finances.
[00:24:40] Like it’s it’s okay. It’s a good thing. I think there’s like this weird thing people like, or they’re like, oh, I don’t know. I, I know this person called me like, Uh, professional mindset is sometimes good. I don’t know. I really appreciated that part of
Keina:
[00:24:53] it, I think. And I mean, I, one of the things that I always acknowledged is I’m like, you feel like you’re probably booking a call with a complete stranger.
[00:25:01] And I think for you, one of the things you said was like, I’ve never done something like this before, which I think there’s also that fi. Of, I think we’re all very used to, like, you go to the doctor, you may have a personal trainer or like a therapist, but like where does a financial coach kind of fit into the landscape of, of your life and the results that you desire to
Catarina:
[00:25:23] create?
[00:25:24] Just like you don’t want to like. Tell me the trainer, what you ate for breakfast that morning or what, uh, you know, sometimes you have to get over that fear of I’m going to tell her, I just got a puppy trying to budget for home repair fund that does not have anything in it right now. You know, it’s just like, oh, and that’s actually another, sorry, I just thought of another thing because like part of closing.
[00:25:54] Refinancing as I got an escrow paycheck and before I think my mindset would be like, Ooh, okay, I’m going to put this amount in savings. I’m going to put this amount in credit card and the rest I’m going to spend on the thing I really wanted. And now it’s like, no, if this came from a home thing, it’s going to go towards a home savings.
[00:26:13] So like even having a savings for my house, I now have. That’s a big deal. So things like that, just like it’s a change in mindset versus this constant treat yourself mindset, which really is just unnecessary in a lot of ways, too. This is what I need to do, and this is what that money is going to go for
Keina:
[00:26:30] right now.
[00:26:31] But yeah. And the fact that I think you mentioned earlier that you can treat yourself or you can do things without the guilt
Catarina:
[00:26:37] of it. That’s what it is. And it’s a much better feeling like before this call today. I went and bought a pair of shoes I really have wanted, but I’ve budgeted for these shoes and I’ve been saving and I knew it.
[00:26:48] Wasn’t going to push me back in any way. So before that would have been a guilty purchase
Keina:
[00:26:53] and then you’re like, let me open one eye and look at my bank account.
Catarina:
[00:26:58] I wouldn’t feel brave to open the bank account tonight. It would only be open tomorrow because I would not. Yeah,
Keina:
[00:27:04] exactly. Yeah. So if you’re listening, there’s a lot of freedom in budgeting and actually I use the word spending plan because I think it’s, it builds a level of curiosity and being able to think about like, what’s the plan for where I do want my money to go.
[00:27:19] You spend 40 plus hours a week making money and really. You know, taking an hour during your week to, or 30 minutes during your week to really sit down and say, well, one, I want to create my plan, but then after I’ve created my plan, how I’m actually checking in to make sure that I’m being proactive and not reactive, like maybe you did have a day where you’re like, you know, I just felt like I needed to treat myself, but then what does that mean for next week?
[00:27:45] And the intentional shifts you want to make? So. Whatever those goals may be for yourself, whether you’re looking to pay off debt or you’re looking to save more. Thank you Katarina for joining me. I appreciate it. Thank you for
Catarina:
[00:27:57] having me. I was honored to be even at best, so
Keina:
[00:28:01] I love being able to just capture candid.
[00:28:04] Like candid conversations, especially. I mean, the one thing that I don’t think I highlight enough is I don’t think any of my clients would have talked openly about finances before. And then I’m like, Hey, you want to talk to me about your finances? But what I want for anyone listening is just to know that like I work with.
[00:28:23] Common everyday people. And you being able to have like a realistic perspective of what a journey with a coach can look like. And also, I think this is a great opportunity for all of my clients to celebrate themselves and their stories also to encourage others. So, if you are listening right now, thank you for tuning in.
[00:28:42] And if you would like to dive deeper, go to my website at www dot wealth over now that com and book a call with me. Thank you. I just love it. That you made it to the end of this episode of money files. I hope some part of today’s story resonated with you and showed you the power of coaching today. I’m inviting you to take the first step and book a one-to-one call with me.
[00:29:05] We’ll just. What you’re hoping to achieve with your money, where you need support and how I can help you reach your financial goals faster than you ever could alone. Go to www.wealthovernow.com and book a call once again, my name is Keina and thank you again for joining me. Also stay tuned for the next episode.
