The Ash Cash Podcast- Living Life Beyond Broke w/ @BrokeMillennial


It’s #MoneyMonday!! So this week I’ve been listening to The Ash Cash Show Podcast. Which is AWESOME by the way. Please check him and Tashima Jones out on SoundCloud, the podcast is designed for Millennials seeking financial motivation!

On this episode (37) Erin Lowry author of Broke Millennial (IG: @BrokeMillennial) is giving tips to get our financial life TOGETHER. Erin Lowry has written a step-by-step guide to go from being broke to in full control of your finances. Visit her website to get a free worksheet to begin your journey to financial freedom! You can get the book on any website or any bookstore that sells books.

Tips I grabbed:

Reoccurring Advice: Understand how you feel about money. AGAIN! We internalize everything, especially as kids. Figure out what negative or positive connotations you have about money. We have to understand our thoughts about money in order to move forward. We have to find out what things we need to UNlearn and replace with financial literacy. What’s your money mentality?

Think short term, for long term goals. We can’t say “I’m going to be a millionaire” without millionaire habits. Erin talks about how personal finance doesn’t come cookie cutter, one size fits all. Her and Ash Cash talk about how personal finance is indeed that, PERSONAL. So how your friends manage their money, may not work for you. Your first budget may not work the first time you try. Don’t give up on your financial breakthrough, keep working to be better. Develop good habits that work FOR YOU.

Ash asks Erin why does she think millennials manage money so differently compared to generations before us. She makes a great point saying that everything is so digital for us. We rarely ever have to use paper currency or coins. We’ve isolated ourselves so far that we barely even see actual money. She also mentions how student debt also affects we feel about accumulating more debt or being attentive to debt.

Erin gives tips to help cash more on the forefront. CASH DIET. A cash diet is essentially only using cash for a month. Okay so when you get whatever form of income you’re pulling in, to help keep tabs on how much you’re spending, only use cash. Besides your bills. The cash that you use for entertainment, grocery shopping, going out to eat, buying shoes, going to the movies, whatever… allocate a specific amount that you can afford to spend weekly. Keep all your play money in cash.  Having the cash is more of an eye opener because you can actually SEE your money vanishing. Another tip?

Track every penny. For two weeks let’s start writing down all of our transactions. Every cent spent, write it down. Keep track of when and and what you spend money on. After the two weeks period, we’re going to sit down and figure where our money is going. After seeing where we are spending our money, no guessing. We’ll be able to see where we can cut costs.

Do you have bank alerts sent to your phone? For people who are thriving in this digital age, that may work for you too! Keep the alerts coming and keep up with WHAT you’re spending money on.

Get an accountability partner. This can be a coach or someone whose in a similar financial situation. It’s someone to help you stay on task. You should share the things that work for you, the things you conquer and the things that knock you down. You’re more likely to keep working towards your goal, with someone there to encourage you.

Paying back debt

So when Ash and Erin were talking about paying back debt there were two different kind of approaches they discussed. Debt Avalanche and Debt Snowball. So with Debt Avalanche you basically list your current debt from highest amount of interest to the lowest. Mathematically this will save you money. In doing this you still have to make sure you’re paying the minimum due balances on all open accounts. Debt Snowball is more of a feel good approach. You rank your debt from the highest amount due to the lowest, they described this one as the feel good approach because seeing the debt be eliminated will most likely motivate you to keep paying. Whereas with Debt Avalanche your highest interest may not be your lowest amount, which would take longer to clear. BUT again, you save money. So ultimately, IT’S UP TO YOU. Whatever works for you, makes you more at ease. That’s the route to take.


To Do’s:
Track your spending for two weeks
Try out the Cash Diet
Sign up for bank notifications via text
Owe money? Find out how you want to tackle it? Debt Avalanche or Debt Snowball method?



#MoneyMonday- @ThinkandGrowChick Podcast “5 Money Mindset Shifts to Help You Step Your Financial Game Up”

Mindset reset is the GOAL for this year okay? So every Monday I’m going to blog about money tips that I pick up from books, podcasts, my personal experience, wherever. Disseminating information is key. Each one, teach one. We all glowing and growing!

So I came across this amazing podcast by Ms. Courtney Sanders, Think and Grow Chick. Please be sure to follow her on SoundCloud! (IG: @ThinkNGrowChick) This particular podcast “5 Money Mindset Shifts to Help You Step Up Your Financial Game Up” is filled with gems. Courtney recommends books to read, entrepreneurs to follow and study and of course bomb advice on how to boss up ya finances. Give it a listen.

I’m going to give a short summary of the podcast and how the advice really resonated with me. Her experiences were so relatable, it was like I was listening to bits and pieces of my own life. It gave me hope. It made me realize that I can change, and I’m on the right path to do so. Let’s get to it!

Mindset Shift #1: Understand that you don’t have to honor every wish and want. For me this rule speaks directly to impulse buying. See, impulse buying is so bad for me because I’m an avid online shopper. I get the 50% OFF THE ENTIRE SITE, GET IT NOW type emails, I find myself clicking and then I’m buying. Ridiculous right? It’s not THAT bad, but I do impulse buy and I realize that’s a habit I need to change.

Courtney advises that we should prioritize what we want MOST over what we want in the moment. She gave the idea of creating a Wish List. Instead of just buying the things we want, add them to a wish list first. This will give you the chance to visualize your priorities and place your money in things that will actually benefit you. Money is a tool, a resource.

Mindset Shift #2: Demand and command what you are worth financially. This is for every woman. Not just the career woman seeking salary, but also the business woman selling a product or service. Never sell yourself short and know what you’re worth. This is important because if we sell ourselves short of what we’re worth we’ll be concerned about money. We’ll feel the need to find it, chase it because we aren’t being compensated as we should in the very beginning.

Mindset Shift #3: Saving is good! BUT. Make sure that some of the money saved is being invested. Make your money work FOR you. To go back to money being a resource. It’s important that we use our money as a means to create more money. We need to invest. Whether we invest in ourselves, our businesses, or in stocks and bonds. Courtney quotes a line from the book The Secrets of A Millionaire Mind that left an imprint on my mind. “Poor people see a dollar as a dollar to trade for something they want right now, where rich people see every dollar as a seed that can be planted to earn a 100 more dollars which can then be replanted to earn 100 more.”

I haven’t quite gotten investing down, I’m only saving but I am acquiring knowledge to learn how to make my money flip.

Mindset Shift #4: Recognize and undo the limiting beliefs you have about money. This is an overlapping lesson for me. In the book You Are a BadAss Jen Sincero talks about how our subconscious is the reason behind a lot of our actions, even if we can’t recognize them. This mindset shift speaks to that same message. If we believe that a certain amount of money is too much, or can’t be obtained. We’ll continue to have our actions align with those same beliefs. In order to BE rich, we have to THINK rich. We can’t be governed by fear or greed. It’s time to undo how we think about money.

Mindset Shift #5: Realize that wealth and financial freedom is a behavior more than it is a bank account. THIS! Okay so this part of the podcast I felt was just for me, all the way down to the example Courtney gave! Our habits define our outcomes. The example she gave is how good students aren’t defined only by the good grades they get. They’re good students because they go to class, study regularly, meet with teachers, etc. We have to have the same outlook about our finances. Being rich isn’t just about the amount of money you have, it’s about the habits and behavior that allows us to be rich. “Your bank account will be an outward manifestation of who you are as a person and what your mindset is, so if you want to be a wealthy person it’s important that you focus on developing wealthy behaviors, or financial freedom behaviors”.

Affirmations: I am financially wealthy. I am financially free. 

Things to do:
Find out your problem area.
How are you spending most of your discretionary income (income remaining after deduction of taxes, other mandatory charges, and expenditure on necessary items) Food? Clothes? Shoes?
Make a feasible budget. Your budget has to to do-able, don’t make a budget that cuts so much that you’re unhappy and lacking.
Make a wish list to help prioritize your spending

Journal Prompt
Understand your feelings ABOUT money. Write down the first words that come to mind when you think about the word money. Think about what your idea of A LOT of money is? Is it obtainable? This will start the process of understanding some of your subconscious thoughts about money and what mindset blocks to change. When I did this one of my first thoughts was “hard to get”. That’s not really a positive outlook and it could be affecting HOW I behave about money.

I hope you enjoyed this blog. Like, comment and share! #MoneyMoves


2018: Growth & Manifestation.

2018_ The Year of Growth & Manifestation

First off, Happy New Year! I’ve taken the first few days of 2018 to really reflect on 2017, to make sure 2018 really pop. 2017 made me realize a lot about myself, 2017 was a complete year of lessons. It was the year that I became more open minded to who I am, more honest about me.

Lessons/Realizations of 2017:

There is no one like me. I have a divine purpose and path.

Sometimes, it’s me. I have toxic tendencies and I’m not perfect. 

I can’t claim I’m going to be wealthy, with no knowledge on HOW to be wealthy.

Procrastination will ruin me. 

I can overcome ANYTHING

Life works FOR me and not TO me.

My physical environment is a manifestation of my psychological one. 

  • If my room/space is cluttered, my mind is too
  • What I think is what/how I create

I have to change how I think to change my life

All the thoughts, good and bad, I internalize. Be mindful of my thoughts.


Share my story. Never be ashamed of my experiences. What I go through, someone may be able to relate and pull through too. 

The list could literally go on forever.

Since 2017 was the year of realization. I’m making 2018 the year of manifest. This is year I WILL change. I’m growing and glowing up all year. It’s my road to riches. Rich in love, rich in knowledge, health and wealth.

I usually hate resolutions. It feels so cliche. Despite all of that, I wrote down my goals anyway. I realized resolutions only feel cliche if they’re short lived and unfulfilled year after year.


I’ve broken my goals down from what they are, to how I’m going to achieve them. I’m in the process of actually planning my process and what it looks month by month, weekly and even down to daily habits. Keep a look out for more blogs with more details! This year will be the year of me, come along for the ride.