Dollars and Change

We’re heading into the second half of the year, and this is a great time to reset, reevaluate, and recommit to your money (and life) goals.

💸Reset so you can get clear on what's working and what's not
💸Reevaluate your priorities and what to focus on
💸Recommit to yourself and your goals so you can get exactly what you want

Wherever you are with your money, let's check-in and get you set up for financial success.

𝗝𝗼𝗶𝗻 𝗺𝗲 𝘁𝗼𝗺𝗼𝗿𝗿𝗼𝘄, 𝟲/𝟮𝟲 𝗮𝘁 𝟭𝟮𝗽𝗺 𝗘𝗧 𝗳𝗼𝗿 𝗮 𝘀𝗽𝗲𝗰𝗶𝗮𝗹 𝗠𝗶𝗱-𝗬𝗲𝗮𝗿 𝗠𝗼𝗻𝗲𝘆 𝗥𝗲𝘃𝗶𝗲𝘄 𝗲𝗱𝗶𝘁𝗶𝗼𝗻 𝗼𝗳 𝘁𝗵𝗲 𝗠𝗼𝗻𝗲𝘆 𝗠𝗲𝗲𝘁𝘂𝗽.

The Money Meetup is a call I host for women to get together and talk about money. It’s a mix of coaching, discussion, and Q&A. More importantly, it’s a safe space where you can ask your questions, get support, and share without fear of being judged.

This will be a casual setting. Come as you are, where you are.

This is only the first half. There’s still so much you can do in 2024!

RSVP now at the link in the comments.👇🏾

How have things been going with your money this year?

Great news! The Money Meetup is back just in time for a Mid-Year Money Review. 😀

Maybe you started the year ready to take on your money goals and finally get that debt paid off or nest egg saved… but things haven't exactly gone as planned.

It's ok. Even when we have the best intentions sometimes things get off track.

Or, maybe your priorities have shifted and what you want has evolved and changed.

That's cool too. It's funny how fast that can happen…

Or, maybe things have been going great and you haven’t taken the time to acknowledge your progress.

Yes! I want to celebrate with you!

Wherever you are with your money, let's check-in and get you set up for financial success as we go into the second half of the year.

𝗝𝗼𝗶𝗻 𝗺𝗲 𝗪𝗲𝗱𝗻𝗲𝘀𝗱𝗮𝘆, 𝟲/𝟮𝟲 𝗮𝘁 𝟭𝟮𝗽𝗺 𝗘𝗧 𝗳𝗼𝗿 𝗮 𝘀𝗽𝗲𝗰𝗶𝗮𝗹 𝗠𝗶𝗱-𝗬𝗲𝗮𝗿 𝗠𝗼𝗻𝗲𝘆 𝗥𝗲𝘃𝗶𝗲𝘄 𝗲𝗱𝗶𝘁𝗶𝗼𝗻 𝗼𝗳 𝘁𝗵𝗲 𝗠𝗼𝗻𝗲𝘆 𝗠𝗲𝗲𝘁𝘂𝗽.

The Money Meetup is a call I host for women to get together and talk about money. It’s a mix of coaching, discussion, and Q&A. More importantly, it’s a safe space where you can ask your questions, get support, and share without fear of being judged.

Save your spot at dollarsandchange.com/moneymeetup

Hands down, the biggest transformation I see in my clients is their mindset.

I absolutely can help you get financial results, but what's even more important to me is that you change the way you THINK about your money.

Your thoughts cause your feelings and your feelings cause your behaviors.

I can guide you through debt payoff and building savings, but to make the behavior stick you have to change your thoughts.

My role as your coach is to help you shift from unhelpful and unhealthy thoughts to:

☑️ I have clarity about where my money is going.

☑️ I reach my financial goals AND enjoy living right now.

☑️ I spend guilt free.

☑️ I understand how to manage my money.

☑️ I have a plan to eliminate my debt.

☑️ I confidently make financial decisions.

☑️ I'm creating more financial security and freedom.

𝗔𝗿𝗲 𝘆𝗼𝘂𝗿 𝘁𝗵𝗼𝘂𝗴𝗵𝘁𝘀 𝗮𝗯𝗼𝘂𝘁 𝗺𝗼𝗻𝗲𝘆 𝗵𝗲𝗹𝗽𝗶𝗻𝗴 𝘆𝗼𝘂 𝗴𝗲𝘁 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝘄𝗮𝗻𝘁 𝗼𝗿 𝗵𝗼𝗹𝗱𝗶𝗻𝗴 𝘆𝗼𝘂 𝗯𝗮𝗰𝗸?🤔

Send me a message or schedule a complimentary consultation to talk about how financial coaching can help you 𝘵𝘩𝘪𝘯𝘬 differently about your money and learn money management strategies.

I’m so glad I had the opportunity to attend the Girl! Your Brand’s a Big Deal conference. At the beginning of the week, I had never heard of it. I saw a post about a ticket and decided to check it out.

There’s something about being in the room with other people who are trying to grow, bring their vision to life, and lift each other up. I connected with some amazing women and appreciate the gems and inspiration from the speakers.

Getting caught up in the day to day grind, it’s easy to lose sight that what you’re doing is a big deal. Thankful to have had the reminder this weekend. ✨

Women in your 30s and 40s that feel behind with your money….

Repeating the message to yourself that you're behind is an unhelpful thought and creates a self-fulfilling cycle.

➡️You feel bad about being behind
➡️So you don’t take action and stay stuck
➡️Which leads to less results and little progress
➡️And then validates your thought that you're behind

Let’s not forget the immense shame, guilt, and self-judgment that gets layered on because you know you’re behind but haven’t been able to fix it.

And the cycle continues…♻️

The first thing is being aware of this pattern so you can disrupt it when you see it happening.

Next, stop telling yourself you’re behind.

You can continue to beat yourself up for what you didn’t do or should’ve known, or you can start doing something now.

Pick ONE thing to start with.

Taking that one step to break the cycle can make all the difference.

Not sure where to start or what to do with your money? Send me a message or schedule a coaching consultation to see how we can get you moving in the right direction.

Over the weekend, I spoke at the inaugural Self Care Salon hosted by Civically, Inc and Joyfully Black. It was held at Afrospace, a self care club that provided the perfect intimate setting for this event.

I talked about how practicing financial self care has impacted my life personally and four habits to help the attendees practice as well. I used the acronym 𝗖.𝗔.𝗥.𝗘.:

✅𝗖𝗵𝗲𝗰𝗸-𝗶𝗻: Create routines and habits where you prioritize regular check-ins on your money and spend time planning ahead. This could look like checking your financial accounts every few days to monitor your balance and transactions and weekly money dates to make sure your budget is on track.

➗𝗔𝗹𝗹𝗼𝗰𝗮𝘁𝗲: Allocate your money for different purposes. Use separate accounts for bills and spending to make it easier to manage your expenses and see what’s happening with your money. Create savings buckets to help navigate random or periodic expenses like car repairs, travel, and gifts. Once you’ve figured out how much to allocate for your different types of expenses, save yourself some time and mental space by automating as much as you can.

⏱️𝗥𝗲𝘀𝗲𝘁: Show yourself some grace and compassion by having a financial reset when things fall off track or don’t go as planned. It’s not a matter of “if”, but “when” so don’t be too hard on yourself. Take a pause, hit the reset button, let go of any shame or guilt, and try again.

🤔𝗘𝘃𝗮𝗹𝘂𝗮𝘁𝗲: While check-ins focus more on day-to-day, tactical money management, every now and then you need to zoom out and evaluate the bigger picture of your money. What’s working, what’s not working, and what do you want to do differently? Is your money plan still relevant and aligned to your values? Is your money system still working well for you? Have your goals and priorities changed? Taking some time to evaluate can help you determine if changes are needed for your current circumstances or season of life.

Which one of these financial self care practices are you going to focus on? What else would you add?

Your financial self care is essential to your overall wellness and well-being. Send me a message to talk about how financial coaching can help support you in growing your relationship with money and implementing practical money management strategies to save more, pay off debt, and create more financial flexibility.

Over the last week, two clients shared the exciting news that they got engaged!💍

I love celebrating these life milestones with them. 🥰

I also love that they decided to do the work to get a better handle on their money so they can go into their marriage in a much better financial position.

They have a practical system in place that makes managing their money easier and less stressful.

They have increased their savings from $0 to thousands.

They have paid off thousands in credit card debt.

They have tools to help them clearly see what's happening with their money and understand the impact of financial decisions.

One of the best parts is they 𝘧𝘦𝘦𝘭 good about what they're doing with their money.

They feel empowered and have less shame about their finances which has allowed them to have open and honest conversations with their partners about money.

Financial coaching has a ripple effect not just for you but others in your life as well.

You’re learning money management skills and changing your relationship with money.

You're laying a solid financial foundation for life.

It's a 𝘨𝘪𝘧𝘵 to yourself and your family that keeps on giving.

It’s the best wedding present and marriage booster.

𝗗𝗼𝗻’𝘁 𝗹𝗲𝘁 𝗺𝗼𝗻𝗲𝘆 𝗯𝗲 𝘁𝗵𝗲 𝘁𝗵𝗶𝗻𝗴 𝗵𝗼𝗹𝗱𝗶𝗻𝗴 𝘆𝗼𝘂 𝗯𝗮𝗰𝗸 𝗳𝗿𝗼𝗺 𝘀𝗵𝗼𝘄𝗶𝗻𝗴 𝘂𝗽 𝗮𝘀 𝘆𝗼𝘂𝗿 𝗯𝗲𝘀𝘁 𝗶𝗻 𝘆𝗼𝘂𝗿 𝗿𝗲𝗹𝗮𝘁𝗶𝗼𝗻𝘀𝗵𝗶𝗽𝘀 (𝗮𝗻𝗱 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿𝘀𝗲𝗹𝗳).

Send me a message or schedule a complimentary consultation using the link in my profile to talk about how financial coaching can help you.



📸: Images

Join me at the Self-Care Salon hosted by Joyfully Black and Civically, Inc. for an inspirational gathering dedicated to celebrating the essence of living fully, financial empowerment, and mental wellness. I'll be speaking about how you can practice financial self care and create more flexibility in your life and money.

This inaugural self-care salon is not just an event; it's a movement towards embracing the power of self-care and financial independence, tailored specifically for women in the community and shining a light on the experiences of Black and women of color. We believe in creating spaces where conversations can flourish, wisdom can be shared, and joy can be freely expressed.

Why You Need To Be There:

🌞 Morning of Empowerment: Begin your day surrounded by the positive energy and warmth of a community that champions the pursuit of mental wellness and self-care.

💡 Engage with Leading Minds: Hear from empowering guest speakers on topics of financial wellness, mindfulness, work-life balance.

🍽 Savor the Flavor: Enjoy refreshments and tasty beverages that will keep the conversation flowing.

🎉 Connect with Purpose: Connect with a community of like-minded individuals in an atmosphere designed to foster meaningful relationships and collaborations.

Don't miss out on a morning that promises not just enlightenment and learning, but a celebration of community, culture, and the collective journey towards a brighter, more empowered future.

📆When: Saturday, June 1st 11am-1pm
📍Where: Afrospace, Charlotte

Register today and bring a friend!

Register Here: bit.ly/selfcaresalon

What if actually looking at your financial situation gave you MORE confidence about what you were doing with your money?

When working with clients, I ask how confident they feel about their money before, during, and at the end of their financial coaching program.

I’ve found that even when a client still needs to make significant progress in reaching their savings or debt pay off goals, they consistently feel more confident about their money.

I asked a client why she felt more confident, and she told me it was because now she had clarity and awareness about her finances and felt like she was at a new starting ground.

Her situation was about what she expected, but instead of guessing or assuming, it was confirmed and validated.

There’s knowing…and then there’s KNOWING.

Looking at her situation head-on gave space for acceptance and surrender.

It helped it become more of a neutral circumstance rather than this nebulous, looming, somewhat unknown, scary thing.

She knew exactly where she was, so she was more confident about her next steps.

She felt much better 𝘬𝘯𝘰𝘸𝘪𝘯𝘨 than she did before.

This is the work we do in financial coaching.

We look at your real numbers and stop guessing at what the situation is.

Maybe it’s better, maybe it’s worse, maybe it’s about what you expected.

But there’s a drastic difference between when you’re speculating and when you're clear.

You can’t avoid facing your finances forever.

I can help you get clarity, gain confidence, and stress less with a tailored plan for your money. Send me a message or schedule a complimentary consultation to talk about financial coaching and how we can work together.

Come join us for a conversation focused on helping entrepreneurs like you master their money mindset!

Catch Your Breath is a holistic health and wellness program for Charlotte entrepreneurs hosted by the Charlotte Regional Business Alliance and Hooky Wellness.

I'll be speaking as a panelist in the first event of the program about Navigating Financial Wellness. 💵

The program kicks off this Thursday, May 16th at 6pm at El Thrifty in Optimist Hall.

Whether you're a seasoned entrepreneur or just starting out, this event is perfect for gaining insights and strategies to boost your financial confidence. Don't miss out on this opportunity to network with like-minded individuals and tackle financial stress.

This is a free event with limited capacity, so save your spot today!

🔗To RSVP and learn more about the program visit catchyourbreath.co.

Four financial coaches sharing 'Our 4 Cents' about the real money matters that impact, inspire, and support black women.

This month's topic: High Value Men or High Net Worth Men - What Attracts Black Women?

There's been controversy across the interwebs about what it means to be a high value man (or woman). Does high value mean high net worth? Is a person's value tied to how much money they make? Let's talk about it!

𝗝𝗼𝗶𝗻 𝘁𝗵𝗲 𝗟𝗜𝗩𝗘 𝗰𝗼𝗻𝘃𝗲𝗿𝘀𝗮𝘁𝗶𝗼𝗻 𝗠𝗼𝗻𝗱𝗮𝘆, 𝗠𝗮𝘆 𝟭𝟯𝘁𝗵 @ 𝟳𝗽𝗺!

Creating financial flexibility is about creating space in your money...

Having options…

Being able to do what you want when you want…

Without jeopardizing your financial security or bigger goals.👀

👆🏾That part is key!

I’m so thankful for my past self who didn’t have all this money stuff figured out but was willing to do what she could while she learned more.

She positioned me to be able to leave a six-figure, secure government job and take a calculated risk to pursue entrepreneurship.

That’s what financial flexibility is about…

Being able to taking advantage of opportunities

Help someone out

Have amazing experiences

Chase the dream

Try something new

Leave what is no longer aligned or working for you

I was recently on an episode of the Dare to Disrupt podcast with Zenica Chatman where I shared my personal story about creating financial flexibility.

We also talked about:

💎How to find balance with living now and preparing financially for the future
💎What you might need to add to your budget if it hasn’t been working
💎What to do if you feel overwhelmed or stuck with where to start with your money
💎Why money may not actually be the thing holding you back
💎The three things you need to have well-managed money

The conversation was sooo good! I was dropping knowledge bombs on myself when I listened to the episode! 😆

Take a listen, get inspired, and take action! 🎙️Link in comments.

I still have one spot left to start financial coaching this month. Start 𝘯𝘰𝘸 with taking control of your money, saving more, paying off debt, and creating financial flexibility. Your future self will thank you. Send me a message.