The Money hungry mama
Show Notes
Money feels heavy for a lot of moms — and this episode is here to lighten that load.
I’m sitting down with Juliana, a family financial health coach who helps moms and families navigate debt, budgeting, and big life transitions without shame, fear, or rigid rules.
We talk about what living paycheck to paycheck really looks like today, why debt isn’t always the villain it’s made out to be, and how motherhood completely shifts the way we think about money. Juliana shares practical, realistic advice for getting started — even if you’re scared to look at your bank account or feel behind.
If you’ve ever thought:
“I should know this by now”
or
“Why does money feel so stressful?”
This conversation is for you.
Because you don’t need perfection — you need clarity, support, and a plan that fits your real life.
Stay money hungry, mama.
If this episode resonates with your financial journey please share with me via email at hello@fhscoach.com, DM via Instagram @yourfinancialhealthcoach, or on LinkedIn! Check out my Financial Audit and what it can do for you!
transcript
0:02
Meet Juliana: Family Financial Health Coach and Her Personal Story
Hey Mama, you're listening to the Money Hungry Mama podcast, the place where moms come to build profitable, purposeful businesses during nap time and beyond.
I'm Brittany Plumeri, and before we jump in, join our free Money Hungry Mama community on Facebook.
It's full of women building big dreams between diaper changes.
0:16
Speaker 2
And deadlines.
Come find your.
0:18
Speaker 1
People search the Money Hungry Mama community for links in the show notes.
Let's get into it.
0:29
Speaker 2
Hello, hello, welcome back to the Money Hunger Mama podcast, the show for moms who are done feeling overwhelmed by money and ready to actually understand it, take control of it, and make it work for their family.
Today's episode is such a good one.
I'm sitting down with Juliana, a family financial health coach who helps families navigate death light transitions.
0:45
The emotional weight that money comes with and without shame, judgement, or rigid rules.
We talk about living paycheck to paycheck, why debt isn't always the villain it's made out to be, how motherhood changes your relationship with money, and what it really looks like to start building financial confidence one step at a time, even while juggling kids work in real life.
1:01
If you ever felt scared to take a look at your bank account, confused by budgets, or overwhelmed trying to do it right, this conversation is for you.
Well, let's get into it.
1:09
Speaker 1
Hello, hello, welcome back to the Money Hungry Mama podcast.
I am so excited because I have Juliana here today.
Juliana, take it away well.
1:16
Speaker 3
Thank you for having me.
I'm so excited.
My name is Juliana.
I am a family financial health coach.
I help families tackle life transitions, their debt, and overall just be able to breathe again from the stress and emotional weight of our finances.
1:32
I am married to my high school sweetheart.
We've been together for coming up about like 15 years now and we have a sweet goldendoodle who is our first child.
And then we have our son Mattheo, who is about 2 1/2 years.
1:48
Wow, year and a half now.
We're farther than that.
And he is so fun, so wild.
I hear all like all the moms, the boy moms were in the toddler years, like feral, that's the word.
And I'm like, yes, I'm here.
I'm here with the feral amazing sweet boy, 2 year old.
2:06
But like he is, he bounces off the walls.
2:10
Speaker 1
I hear that.
So my youngest Lukey, he's 2 1/2.
So I'm right there with you.
It is.
That's the best term is feral.
2:18
Speaker 3
Yes, yeah, that's like the only way to put it.
2:20
Speaker 1
And then they're also like so sweet sometimes too, but then sometimes you're like, how did you even?
2:25
Speaker 3
He's so sweetest.
He's truly the sweetest little peanut and I'm so blessed with him.
But he is very active.
2:34
Speaker 1
Yes, yes.
Oh my gosh, it's so true.
It's so true.
2:37
Juliana's Journey: From Public Accounting Burnout to Empowering Financial Coach
So Juliana, tell us, how did you become a financial coach?
Like what was the story behind this?
2:42
Speaker 3
So my very first job right out of high school was as a bank teller.
And I very quickly saw where debt and liquid cash, like money was different.
Like it wasn't what I was taught and brought up to make it like seem.
3:03
They, we used to throw me in the the booth, you know, where the cars would come up.
Yeah.
So I, that was like where I was always at.
And I every weekend would have a bunch of people that would come up and like very luxurious cars.
And they say, OK, how are you?
What am I in the negative?
3:20
And then they give me the cash to cover that balance.
So that kind of was like the first thing with when it comes like financial literacy and how I should be using and spending money.
And that kind of just stuck with me going to college.
I studied accounting, I got my masters and then I hopped into the public accounting space.
3:41
I started sitting for my CPAI was doing all of the things to try.
I was like, OK, I'm going to be a partner one day.
Like I'm going to climb the ladder and do all the things.
And I so quickly like for one, bumped out.
Yeah.
When you first start an audit at those like large public accounting firms, the staff are like basically who are doing like a large amount of these audits.
4:05
That's what I can't remember if I said that, but I was an audit and it was just so busy.
And then we had busy season where we were contractually obligated to work 50 hour minimum work weeks.
4:16
Speaker 1
Wow.
4:17
Speaker 3
So I was just super burnt out.
The CPA exam was like literally ruined my life and I just like this was only like a year and a half in.
4:27
Speaker 1
Wow.
4:28
Speaker 3
And I just remember going to my husband, like, I don't think I want to do this.
I don't know what I want to do.
I'm a little nervous.
I don't know what other job I would have.
But I do know that I don't want to sit for my CPA exam anymore because I mean, you know, there's so much time and also money that goes into like sitting for that.
4:45
So I was done.
I was like, OK, we're not not doing CPA anymore.
I'm going to stay at my job.
But we'll see what happens.
Maybe I can just like stick it out and whatever.
So Fast forward a few years go by, I'm still at the same place.
I have my son, and that changed me in ways that I could have never been prepared for.
5:08
I also had a very rough postpartum, which is like a whole other story for another day.
But all that mixed together.
I was just like, I just want to be with my son.
I just want to be present for my family.
I was working remote and at this point, I think I'm coming up at about four years at my job.
5:26
I went back full time.
I have, I'm working remote.
I don't have childcare because I was stubborn and didn't want childcare.
I was like, I work remote.
I can like take care of my baby And I think he was about four months old.
I was a few weeks only back at work after my maternity leave and with him strapped to my chest.
5:45
I registered my LLC.
It was like I, I need to do something.
I need to start building something.
So I did that.
And then I kind of didn't do much with the business for a little while.
And because I was so consumed with work, I was really struggling because I didn't want to be there anymore, though these big companies are laying off putting more work on to the employees that are still working there.
6:07
And it wasn't until it was coming up almost on five years, but I did two things. 1, I actually took my business serious and I was like, OK, I'm going to like get a logo and actually do like a Facebook page and get business cards and start talking to people and say like instead of saying I'm an auditor, hi, I'm like a family financial coach.
6:32
I'm going to start doing that.
And two was I was going to find a new job because I couldn't leave my work and just go full in on the business.
I couldn't go full in on just being a stay at home mom.
We weren't there yet.
But I was like, I can control the fact that I can get a new job that supports where I'm at in my life that has way less work and can help me be able to have more mental capacity to work on my business in the morning, on lunch breaks and in the evening time.
7:05
So that is kind of exactly that kind of, but that is my path of how I got to my financial coaching business.
7:14
Challenging Debt Stigma and Navigating Life Paycheck to Paycheck
Oh, I have like so many little questions that popped up as you were talking.
So the first thing I want to ask is where?
7:21
Speaker 3
Are you located?
I am in Virginia.
I am born and raised in Connecticut, but now the past five years we've been living in Virginia.
Love it.
7:30
Speaker 1
Very cool.
OK, so because I wanted to just bring that up for for anybody that was like, oh, maybe I can sit and have coffee with her.
So she is located in Virginia.
So OK, man, the First things first is I think like sitting there listening to the first thing that stuck out was these people in these luxurious cars coming in to give you cash to make their accounts, you know, up to date.
7:53
What did you take away?
7:54
Speaker 2
From that.
7:54
Speaker 3
I took away two things.
One is funny because you know, you, we have these OG financial literacy coaches who are very like anti debt.
I don't have any debt and I'm not like that.
I'm pro pay your bills.
8:11
You can leverage that to have a lot of amazing things to have a mortgage, to have a car to, you know, fix something that needs to get fixed.
Like we can leverage debt.
I'm not anti debt.
So that was the one thing that stuck with me.
And the second thing was a lot of people don't have liquid cash and they're not, they don't have that buffer.
8:32
They're using every cent that comes into their account and in this case more than what they had.
So those are kind of like those are the two things.
8:39
Speaker 1
Yeah.
And going off of that, I think that that is such a true thing, like living paycheck to paycheck.
I think it might have meant something back in the day, but like, this is like a true world where people are living paycheck to paycheck.
What would be your first tip of advice to somebody that's living paycheck to paycheck?
8:55
Speaker 3
So first, most likely if there's either two things that are happening with that one, you just have a lot of debt.
So we have to put together a debt plan of how to make more liquid cash wiggle room.
9:10
So that would be our first step.
The other thing could be sometimes I have clients that they don't have a ton of debt.
They just have no plan for their money and they're just spending it like brunch, Target, Amazon, they're just all over the and they're like, yeah.
9:26
So it's like, and that's always like my favorite, favorite client because I'm like, oh, we have.
So we can just like have fun now and like build the plan because you do have the wiggle space.
Yeah, the funds to do so, just like you've just never sat down to think about like, oh, what do I want to do with my money?
9:44
How can I like get it to work for me?
So those are kind of like the first two steps I would say.
9:50
Effective Debt Management: Strategies, Flexible Budgets, and Personal Insights
Yeah, for sure.
Real talk.
9:53
Speaker 2
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10:11
The Money Hungry Mama is available for pre-order now.
Grab your copy wherever books are sold and let's take the first step together.
10:18
Speaker 1
And let's say like the mom listening, it is the debt.
What would be your first tip to for her to start getting rid of debt?
10:25
Speaker 3
So there's a few different ways that you can tackle it.
We all know you have like the snowball method and you tackle it from your smallest balance to your largest balance and start going up that way.
I like to get so each piece of debt we can categorize it by that and see how it looks.
10:45
But then you can also do it by what is the APR?
Like is there one piece of debt that might not be particularly your smallest that you would hit first, but you have so much interest hitting every month.
So it's kind of it makes sense to tackle that first.
Or if you have something that also is not your smallest piece of debt, but you it's your largest monthly payment, because once you knock that out, you have more cash to start knocking out the other pieces of debt.
11:12
So I think it's always good to kind of play around and list them like, OK, this is the balance smallest to highest.
This is the APR smallest to highest.
This is the monthly payment, smallest to highest.
And kind of like play around because also our budget, I always like to think of it like it's a living, breathing being.
11:29
Like it's all like you will, you should never, if you come to me and say like, oh, I have a budget and like it's the budget and I don't tweak it.
No, you're not doing it right.
Like you should instantly be going back and adding things and taking it off and changing it.
It updates with our life.
11:46
So it's OK to start and you can even mix it as you go.
Like, OK, I did this first piece of debt and I knocked out the highest monthly payment.
So now I'm going to change it and do like that snowball method where I'm taking out the smallest balance 1st and going from there.
12:02
So you can like mix and match.
But my biggest thing that I love to remind clients and remind people who are thinking about working with me is that one, I'm never going to tell you what to do.
And I'm also going to try my best to give you all the different options.
Like I'm not, I'm not going to say like you need to do XY and Z to sit down and talk about all the different options and what works ultimately best for you because we all have different priorities.
12:28
We all have different wants and needs.
Like maybe someone wants that really expensive car and they're OK with having a little bit bigger of a monthly payment, but they don't have a lot of other debts.
So they're like, and they'll still have money leftover.
They're like, I'm OK with that.
12:44
That's, you know, it's not my place to say, well, you shouldn't have an expensive car.
It's my place to be like, OK, let me make sure that you getting this car doesn't keep you up at night and that you're feeling confident about your decision.
12:57
Speaker 1
Yeah, well, I love that because I think for a while I really tried to follow some big names and I'll never put anybody down on the podcast.
So some big names.
And I felt like I'll never forget.
I put a comment in the actual Facebook group, one of the ones that they were hosting, and I got berated by people that I even had credit cards.
13:20
And I was like, hold up, literally coming for help because clearly I didn't know what I was doing.
And now I'm here to be like, OK, how can I get out of this?
And it was just very eye opening for me because I agree with you.
I do think there's things in life where debt, it's never a good thing.
13:38
But let's say your toy, your toilet breaks.
And it's like, OK, you don't have the funds to go fix your toilet.
What are you supposed to do?
Nothing like let me let me pay $10,000 of the only savings I have to fix this toilet.
Or maybe you don't have any savings at all and it's like, OK, well this loan will be $100 a month.
13:56
I can pick up a few door dashing shifts or I could put extra time into the business that I'm building to try to get that $100.00.
So I agree with you.
I don't necessarily think debt should be this evil.
Like never, ever.
Especially somebody that has been there, like I don't have two pennies to rub together.
14:14
I really needed something.
So I definitely love that you are more welcoming to that and understanding of humans and their needs.
And sometimes debt really is something that people you have to have just to be able to survive.
So thank you for that because as somebody that really did try to get her debt under control, I was like this, I will never come.
14:35
And it's also.
14:36
Speaker 3
Yeah.
And the other thing too, it's like you don't know what you don't know.
And under financial literacy, like our society has filled us with that they are so quick to hand us the credit cards and approve us for homes that are probably not exactly in our price point.
14:55
And, you know, buy this, buy that, keeping up with everything that's going on.
When I feel like for the first time in probably ever, there's so many people who are now wanting to have these honest conversations and just want to learn and just want to be guided and need support because they're like, listen, we're all struggling.
15:14
We all have credit card debt and a lot of the credit card debt is like groceries.
It's like, you know, things that sometimes we're like, man, I it wasn't like this big shopping thing.
But even then, if it is, it's like in my opinion, I'm like, who cares?
15:30
Let's just let's pick up where you're at.
I'll meet you wherever you're at and let's just build what you want with your financial plan and that's it.
15:40
Speaker 1
100 percent, 100%.
I love that so much.
15:42
Finding Your 'Room': The Impact of Online Networking for Mom Entrepreneurs
OK, so now let's transition a little bit.
I'm going back to your story.
So you went from here and my cousins did the CPA and that was the same thing.
They literally were locked in their rooms for God bless months at a time, could not do anything.
So I understand, you know, the stresses of that.
15:59
Not personally, like it wasn't me, but I watched them miss holidays and yeah, like locked in their room at my aunt's house.
And I was like, hey, you like, you want to come eat dinner?
Like, no.
And it's like this, like Gremlin came out of the app.
16:09
Speaker 3
OK, I'll, And that's like essentially the only way to do it.
Like everyone that I was speaking to, they're like, Oh yeah.
So just for like a year, you don't do anything.
And I'm like, I don't even know if that's worth it.
Like, I don't think I want to give you a year of my life to pass this exam.
16:25
Speaker 1
It was definitely something that's like, you know, it has to be something that you love to be able to give up a year of your life.
Like 100%.
Yeah, for sure.
So, OK, So just wanted to touch on that because I literally, like, remember it was so funny on Christmas.
I'm like, knocking and like putting, like I felt like Anna, like knocking on Elsa's door.
16:41
Like, do you want to come and play?
And she's like, no, get away from me.
I was like, OK.
16:45
Speaker 3
Here's your exactly.
16:47
Speaker 1
But that's like exactly how I felt.
And then now with the baby strapped on you, Oh my gosh, mama's listening.
Like, is that not how so many of us started our businesses?
Like not wanting to leave the little nugget that you just made.
And it's like, OK, you know, I'm going to give this my all now and make this real.
17:04
And just because you just want to be, you have to still provide.
We live in a world where, like, you know, gone are the days that we can just, like, not do nothing, but to be able to do it on your terms and your freedom and your life.
And I just think that that's so beautiful.
Like knowing he was strapped on you.
17:19
That's so sweet because I think so many of us started in that same spot.
17:23
Speaker 3
Yeah, I had, I had a whole plan going back to work and it included me getting a standing like the rising desk and a walking pad.
And then, you know, once they start getting like a certain age, it was just like, well, and even then it's like, OK, five months, four months, it's not that far in.
17:40
That was not a thing.
But it was it was hard.
It was like me in a meeting and I'm like popping my boob in his mouth.
Like the desk is like this high.
So like no one knows.
Like my baby's on my lap.
I am breastfeeding because I was also like nervous too.
Like I didn't want to get fired.
17:57
I didn't want it.
17:58
Speaker 1
Yeah, of course.
17:59
Speaker 3
Get in trouble, which goes into a whole other conversation of like we as women do have some rights in regards to like breastfeeding and pumping and all of that in the workplace.
We, you know, and there's also other women who are advocating on that so we know better about it.
18:17
But I just remember I was like, this is not sustainable.
Like I can't do this anymore A.
18:22
Speaker 1
100 percent, 100% and it's, you know, it just that just hit home for me because like finding out I was pregnant, it just became game on and it was like I just, that was like the moment it was like I'm now I'm a money hungry Mama and I'm going to do everything I possibly can to be present.
18:38
And it's just like it just hit very much home for me.
So OK, so now we're fast forwarding, we have your logo, we have your business.
You had originally started your business.
How did you start getting your name out there marketing wise?
18:50
Speaker 3
All right, so I started going to in person networking events and it was very exhausting.
I did, I did the chamber, I did B and I did there's another in Nova, excuse me, of like these coffee meetups that are pretty big.
I I was just going to stuff.
19:07
I was like putting in a PTO hour here going in the evening.
It was super exhausting.
I did that from for about like 7:00-ish months and I lead that into I then found made for mothers.
I found them in earlier this summer.
19:24
I found that it I just, it was perfect for me because I literally was saying to like my husband.
I'm like, I feel like I'm going to these events.
I'm getting nothing out of it more than a drink.
Like I'm like, these aren't my people.
They don't understand me.
19:40
They don't understand where I'm at in life.
Everyone is like, I don't know.
Networking events sometimes become very repetitive for people and they can be more of just like you're going there for a drink.
Like that's like, it didn't.
It felt like I was trying to actually talk about work and business and stuff and other people were not like in that headspace.
20:00
Speaker 1
Yeah.
20:01
Speaker 3
So it just felt very exhausting and very like it wasn't a good use of my time.
20:07
Speaker 1
Yeah, for sure.
20:08
Speaker 3
Sent so I found made from others and I was like, yes, these are my people.
So like get in a room that's first and foremost, get in a room that like you have people who are supporting you, lifting you up, helping you.
So I got there and I have not done any any sort of in person networking since then.
20:26
Yeah, because I'm just like, this is a waste of my time.
20:29
Speaker 1
Yeah, I love that online networking space.
You definitely want to try out your areas, right?
So Juliana's in Virginia and it does not work for her.
But then there's some in New Jersey that worked for other moms.
I would always say like, at least try one or two and be like, OK, can I talk to these people?
20:46
Can I get my name out here?
Especially if you're a local service business, like Juliana's online.
So she can literally online network all the time.
So if you're a local service business, I would definitely try to go to a couple.
And you know, they're they are hit or miss.
Like it is, it is what it is.
Just like everything else, it's hit or miss.
21:02
But as far as online networking communities, yeah, for sure I would check out Me for Mothers and then also you, the Mompreneur table.
You could definitely check that out as well.
But I love online networking and why I love it is because you could be in your pajamas.
21:17
Speaker 3
Sitting on your couch.
It's my favorite.
It's my.
21:22
Speaker 1
Favorite.
It is so much fun for me because it's just like, you know, you're all like there for the same purpose.
You're building, you're talking, you're chatting.
But at the same exact time, like I feel like there was also a stigma for me with with in person networking where it was like, you know, I still do it, you know, but there's a stigma of Oh my gosh, like what do I wear?
21:41
Do I look OK?
And like, I felt more of that than just like sitting here having a conversation of, yeah, so my business did this and this is what I'm working on and blah, blah.
So I definitely think that's just something to take into consideration too.
21:53
Speaker 3
Yeah, it is also such like I get so much out of being a part of it with when it comes to like, you know, masterminds and coaching and just coffee chats, all the different collaboration and everyone is just so helpful.
And finding my space has not only helped me to get like to where I am, it really helped me like niche and think about the things that are important and what next step to take.
22:21
But it's like just it's helped change me.
I've grown, it's grown my business.
The way I think about it all, it's been just like so beyond helpful.
So get in your room, whatever that room is people like, get in there.
22:35
Speaker 1
For sure, for sure.
22:36
Grow Your Business: Low-Cost Ads and Delegating to Marketing Experts
I feel like I'm like in so many rooms and it's because so many rooms are teaching different things and like talking about different things and that's why I love it so much.
So now, OK, so we have networking.
What's another thing like social media is really working for you?
What's another way of getting yourself out there marketing wise?
22:52
Speaker 3
Right now I've been starting ads so just doing and that was another thing taught was just low cost ads been working with a business coach.
Invest in yourself.
That's another thing.
Take that leap because I feel like I was scared to do it and waited a lot longer probably than I should have.
23:13
But I invested to work with someone who is doing what I want to be doing and she helps me.
She's putting my odds together and helping me strategize of because of that whole like meta ads is like a whole other thing.
23:29
Yeah, I like looked and I like poked my head in there and I was like, OK, bye.
Like, I don't know what's happening.
23:35
Speaker 1
So it's like it's trying to speak to me.
I know it.
23:37
Speaker 3
Yeah, so I mean, like right now, you know, as the holiday seasons are coming up, as we're talking, I had a call with her yesterday and we were, I was like, you know, I really want to step back a little bit with actually having to like do a lot of posting and having to like with one on one's clients and stuff.
23:54
I really want to be present for the holiday, you know, but I do want to still show up and have some ads going.
She's like, OK, perfect.
We're going to do some awareness ads and just have you present.
So and we can do that for like super, super low cost.
So I like last month, I think in total I spent like 70 bucks.
24:11
I mean, so it doesn't need to be this whole.
And that was with like 3 different reels that we're going out.
So I'm learning about meta ads.
24:21
Speaker 1
I love it I.
24:22
Speaker 3
Love it.
24:23
Speaker 1
It's so funny because when I was first starting, I think I must have taken how many workshops, how many classes, how many online things that had to do with meta ads.
And it's constantly changing.
Like guys, like it's not a joke.
Like it is something that I have to keep up with all the time.
24:38
Because what worked for me two years ago, I'm telling you right now, did not work for me when it came for money hungry Mama.
And I was like, OK, back to the drawing part, actual learning.
And it's it's just always, always something.
24:48
Speaker 3
Yeah, and I also do think like take that and like invest into yourself, invest into your own business, invest into your time by giving it to someone else.
Like I knew immediately, like I'm not going to be able to figure out this meta ads.
25:03
Like I'm going to be beep bopping along in there having no idea what I'm doing.
Whereas like I meet up with my coach and she walks me through it.
She puts it together for me.
And you know, we strategize what I want out of the ad because that's the other part too.
25:19
It's like if you don't know each different type of ad that they offer, you know, hire, hire out.
Don't be afraid to talk to someone and be like, it doesn't always need to be because I know this is what I was fearful of.
This like huge package.
25:35
Like reach out to someone who is doing something that you're like, oh, I trust this person, but I'm just starting off.
I don't have a huge budget and they might be able to, you know, depending on where they're at in their business and what they're offering.
But like 9 times out of 10 they might be offering something that is at a starter level that could be super helpful and take time off your hands.
25:57
Speaker 1
For sure, for sure.
Yeah, it's definitely, you know, I think that's something that has been brought up a couple times on the podcast now.
And it's like, yeah, delegate, right?
Like there's some things that if we can be really great at one thing doesn't mean we need to be great at ads.
26:12
Like you can give that to somebody else.
And yeah, that was such great advice.
Thank you so much for that.
Yeah, it's so, so true.
26:19
Juliana's Approach: Building a Full Financial Plan Without Shame or Overwhelm
So now what is your, how is your current business run?
Like is it Zooms?
Is it?
How is your current?
26:27
Speaker 3
My clientele one-on-one is going to be all Zoom.
I do still have my 9:00 to 5:00.
So I work now it's at a non profit.
They're like super family.
Yeah, like literally just the accountant at a nonprofit.
So they're very family oriented and beautiful.
26:45
But I still, yeah, it's it's has taken off a lot of stress.
It's done exactly what I hoped that, you know, I needed was, you know, changing a job 100%.
But I still have a nine, 9:00 to 5:00.
So I do evenings and weekend calls and they're all Zoom.
27:03
One day I hope to, and I will not hope, I will leave my 9:00 to 5:00 and I'll be able to do some more, like in person stuff with people who are closer to me.
27:14
Speaker 1
Very cool, very cool.
So for everybody listening, kind of go over a layout of what they'll get from from working with you on their finances.
27:24
Speaker 3
O the introductory call, it's called a financial audit and that is putting together your game plan.
So I will send you your you know, loosely I use the word homework, but before I call I give you a questionnaire and it really just kind of asked questions to pull out what you're struggling with and then also what are your goals?
27:47
Where do you want to be short term and long term so that we can start putting together an action plan?
And then it also has an excel sheet.
I am all about like super simple budget.
It's not going to be something where you know how sometimes you get these tool kits that you people put out, which are wonderful, but they're for someone who's in a different place.
28:08
So my budget super simple.
It doesn't have like charts and graphs and you know, doing all the different things.
It just like starting from that first step of putting that together.
Where is your money going?
So I'll have you take out all your bank statements, your credit card statements.
28:25
Let's let's figure out, make sure we have a list of all of your debts.
That's always an interesting one between the expenses and the debts, because sometimes there'll be something that we're like, I didn't even realize, like I had this over here.
So we'll start putting that together and it's we'll put a plan of this is your finances and where do you want to take it.
28:47
And from there, then we go into continuous coaching.
And then we'll start because we'll have that action plan in the financial audit.
And then from continuous coaching, then we can really start strategizing how your spending habits are, how we can address and maybe change some spending habits and get you on your, your plan of where you want to be with all your goals.
29:08
Speaker 1
Very cool, Very cool.
Yeah, I, I just think like, just like you said before, when it comes to like a business coach, like especially you're right.
When we, when we first started, you know, I my first time ever doing taxes and I was like, what in the heck is this?
29:24
Like, how is this not a high school class to be like, hey, like, you know, you're working at 16 years old, you have to fill out taxes.
Like how is that nothing that was taught to me?
And I just think there's so many things that we don't know.
And sometimes I remember being in that spot, guys like I do.
I remember being very, very scared to look at where my money was going because when I finally sat down and did it, it was like, Oh my gosh, I'm spending more than I'm even making.
29:48
But doing those moments, it was literally eye opening to be like, OK, I'm not in the right business.
Like I have to get out there more to make more money.
So I really do believe in just like hiring a business coach, especially if it's something that you're very scared of.
You don't really know what a lot of this means.
30:04
And don't be ashamed because liquid assets, you know, investing, all of it is very, very scary words, but people can sit there and explain it to you in a beautiful language.
Packed up both that you understand so it's like, okay, it doesn't have to be something that's so scary anymore.
30:20
It could be something that you're taking ahold of and are like, okay, like I understand.
And it's people like Juliana that are going to help you get there in that sense.
Because it is scary talking about money because especially it was, it was taboo.
30:34
Speaker 2
I.
30:34
Speaker 1
Feel like when we were younger.
30:36
Speaker 3
Yeah, yeah.
I mean, it's still, you know, with a lot of older generations, it's like you bring up one thing and they're very much like, you know, we don't talk about that.
And it's like, well, I need to talk about that.
I'm confused like.
30:47
Speaker 1
Yeah, I.
30:47
Speaker 3
Need some support and that's another thing too, once you go into the continuous coaching part, because I mean I can throw all this other stuff in the initial call, but it's just again, it's too much It's it's very overwhelming once as we, you know, start working long term together.
The other part that I'm very passionate about is like your full financial package.
31:06
So thinking about like what kind of insurance do you have insurance?
Do you have life insurance?
Do you want to start investing?
Do you have a four O 1K versus, you know, your Roth?
Do you need credit repair because you want to buy a house?
So I try to really touch on all of those areas of your full financial picture.
31:26
Those are I have referral partners that I'm keep up with them.
They're wonderful.
They're so passionate about what they especially my referral partner for insurance.
He is just so, so passionate.
His whole team, they just love providing people with insurance and I think it's awesome.
31:45
And like health insurance or not health, I'm sorry, life insurance especially like, you know, these are things that we don't want to think about, but like it's.
31:54
Speaker 1
We need.
31:55
Speaker 3
Yeah, it's like an act of love to get life insurance for your family.
It's an act of love to start setting up investments so and taking care of your future self.
So once we get into continuous coaching, that is something that I also we start discussing as well so that I can connect you with the right people so that you can, like I said, get that full financial picture going.
32:21
Speaker 1
Yeah, yeah, it's just something definitely if you're sitting here and you're like, like I'm confused about money, I definitely suggest that you reach out to financial coach like Juliana and just understand it more, maybe even do some deep dive.
The problem is YouTube is always great too, obviously, but the problem sometimes is there's so much information, it can also be overwhelming.
32:45
So to be able to like talk to somebody who understands it.
I definitely think as somebody who really struggled in the beginning and not understanding anything, highly, highly recommend to sit down and have a conversation and be like, what am I doing here?
Like how do I start a budget?
32:59
Speaker 3
Yeah, and a lot of stuff online too.
It's very black and white.
It's very like all cash or like high risk.
I'm going to show you how like do do I remember like when it was like the first year my husband I were married and there was this guy, this YouTube guy, and it was very like the bro finance of getting into real estate.
33:21
But he was just like, I'm going to show you how like I do this whole I don't know.
He was like renting houses, but he made it sound like so great.
But I was like, wait, but I also like don't understand what you're doing.
So I feel like it's it's really hard to find someone who's in between where it's like, hey, if you want to call your credit card, it's like I'll give you the scissors.
33:43
But also if you just want to have like one, just in case, I can show you which ones that are good out there and the benefits of having which ones.
So it's hard to find someone who's like, in the middle.
33:54
Final Thoughts: Empowering Mom Entrepreneurs and Smart Financial Living
Yeah, it definitely is.
It absolutely is hard to find somebody that like understands both sides of the coin, especially, like I said, for somebody that was super in this a couple years ago.
Oh my gosh, yeah.
No, it's so, so true.
For a mom that is wanting to start a business, what would you tell her?
34:11
Speaker 3
Just start it and figure it out as you go, but make sure you ask help.
Don't be afraid to ask for help.
Don't be afraid to mess up, but just keep asking for help because it's, it's so hard.
There's so many different things, like you said, like the taxes, there's so many little different things when it comes to starting business.
34:32
I remember one of the hardest parts was like figuring out like the order of like, OK, I have an LOC and then like I'm trying to get like a Google e-mail.
But like, that was kind of a weird pivot that I had to get this other thing first.
34:45
Speaker 1
Yeah.
34:46
Speaker 3
So just don't be afraid to ask for help.
Find your room and find people that are doing it and can help guide you in it.
34:54
Speaker 1
I love that, I love that.
Find your room.
Love it.
Now what does being a money hungry Mama mean to you it.
35:00
Speaker 3
Means to go after your money, get it, and make it work for you, and whatever that means for your family, just make that money work for you and keep going after it.
Love that.
35:13
Speaker 1
Love that, go after it.
And how can our listeners support you, Juliana?
35:18
Speaker 3
So you can find my website, itsfhscoach.com and you can find me on Instagram at your financial health coach.
I like to hang out there.
I'm getting better with the whole posting thing because as you would think the accountant is not that great with the content creation but I I'm having more fun on there now.
35:40
Speaker 1
Good, good.
As you should because it should just be you.
That's it.
It should be just be you that everybody's talking to all the time.
I love it.
Thank you so much for being on today.
For every mom that's getting ready for the holidays.
Do you have one tip for her financially to get ready for the holidays?
35:54
Speaker 3
Make a list of every little party, every little person that you usually be honest.
If you give your like mailman a gift, right?
Put them on the list.
It is OK.
Be honest with yourself and then just try to stick to that list.
Plan out the little gift that you're planning and then also don't be afraid to do something like create gifts that are low cost but look super pretty.
36:21
Speaker 1
Oh, I love that.
Yeah, Honestly, I've been looking on Pinterest a lot too, guys, and Pinterest has incredible, basically Dollar Tree gift ideas that look insane.
So that is like a great way to go too.
Love it, love it.
Thank you so much for being on today, Juliana.
36:38
Speaker 3
Thank you so much.
36:40
Speaker 2
If this episode resonated with you, remember this.
You don't have to have it all figured out to start.
You don't have to be perfect with money to take control of it.
You just have to be willing to look at what you're doing and take the next step.
If you love this episode, make sure to subscribe, leave a review, and share it with a friend who needs to hear it.
36:55
And as always, thank you for being a part of this community.
Until next time, stay hungry and go make that money work for you.
