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Your Money Roadmap – Ep. 146
It’s Financial Literacy Month! In this episode, we delve into the importance of recognizing there’s no universal approach to money management. Let’s talk about self-awareness, shedding guilt, and addressing underlying beliefs about money. So, let’s go!
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0:00 – Episode Overview
1:27 – Financial Literacy Month
6:06 – What You Need With Your Money Roadmap
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Your Money Roadmap
I can’t give you a map that leads exactly where you want to go when it comes to your finances without a couple of things, and we need to talk about what you need to create that map today and some disclaimers. So here we go!
This is the Your Money Your Life podcast. I’m your host, Aimee Cerka, a money confidence coach for female entrepreneurs on the path to six figures. After over 10 years in the personal finance industry and multiple personal financial and medical crisis.
I was fed up with the lies that are being shouted from the rooftops by the Gurus. And the media said I help you simplify, solidify and scale your money. By blending tactile money strategies with mindset work, you can create unstoppable finances together, you’ll finally figure out the money thing.
So you can make more money in less time without living off of beans and rice, or sacrificing your lifestyle. Episodes here on the podcast are short and sweet. Being married, having four kids at home, homeschooling being the CEO running the household, I’m kind of busy. And I know you are too. So let’s keep it simple and get to the point. Welcome. I’m so glad you’re here.
Financial Literacy Month Kickoff
Welcome back to the Your Money, Your Life podcast. I’m your host, Aimee Cerka. And first off, we’re kicking off Financial Literacy this month, April is Financial Literacy Month, every year. But you know, this is the first episode in April. And I want to say thank you, thank you for being here. Because you’re making an effort to work on your finances to improve and you know, it’s not easy to work with your money.
And so first, let’s just acknowledge you for being here. Let’s talk about your money. And when it comes to money, money is not something that’s a black and white. Like it doesn’t mean there’s kind of instruction manuals, but the step by step instruction manuals that work elsewhere don’t work when it comes to your money.
Your Money is Unique
And this is also why so many of the programs that I work with, like are built around the support, we’ll get to more of that in a minute. But like your money is not one size fits all, maybe there’s a better way to put it like, Okay, I can’t just give you a generic blanket statement.
And it worked for everybody, because that’s not the way the money functions. Yes, we all have different goals, we have different priorities. We have different experiences, we have different money, mindset stories, all of those things, factor into what you need to do what you need to work on what needs to be prioritized. When it comes to your money. It’s not like this.
Here, this is the exact step that you need to do. And that drives people crazy. Because people ask questions, and they’re like, Well, it depends. And I like to speak to things from a certain perspective. Hold on. Yeah, let’s get to that.
I like to speak to things about a certain perspective. And there was even there was a comment that I got on Instagram, if you’re connected with me on Instagram, you saw I put on my stories cuz it made me laugh. One of I’m pretty sure they saw it off one of the ads that I’m running right now.
But the video was the podcast episode, the Stop Saving For A Rainy Day, I will link it in the show notes if you want to take a listen to that. But essentially, that video was talking about the fact that we don’t need to go hardcore, extreme, saving everything and not enjoying our money.
This is actually kind of timely, because we’re going to talk a lot about impulse spending this month, so make sure you stay tuned. But their comment was like that was something like I’m not a good coach. I don’t know what else was okay.
But essentially, like, you know, they didn’t agree with that perspective. And their assumption was that I wasn’t a good coach. And I had a lot of fun with my comment back. It was like “Just, you know, I’m not the coach for you clearly.” That’s great.
Overcoming Guilt and Shame
Love that we know that moving on. But the point is, I speak to a lot of those extreme points of view, and why they’re wrong. Because of this. What we tell ourselves especially as women, especially as female entrepreneurs, you know, we’re juggling all the things we’ve all the things going on. And we end up feeling like there’s something wrong with us, like we’re behind because we haven’t achieved our goals or, and or we end up feeling guilty over the choices that we’ve made with our money, maybe investments that didn’t pan out maybe spending, whatever it might be.
And those three things, self sabotage us so we can avoid that. I know you can make that much more progress. Yeah, you should be saving the smart way to do it. We could talk about that all day long.
Yes, we should be paying off debt. There are smart ways to do that. We’re gonna talk more about that on Thursday. I believe it is. But the problem is we have to speak in these generic assumptions and these extremes, like you have to do it this way, or you’re just you’re dumb, whatever it might be. That’s not true.
We need to show ourselves some freaking grace and love when it comes to our money as well. And that’s not from a space of, you know, “Oh, you don’t have to take any responsible, you don’t have to do anything.” Like, we both know, you’re beating yourself up plenty. I don’t need to add to that. Okay.
Practical Steps to Financial Awareness
So your map, for your finances for where you want to go is very specific to you and your situation and what you’re working on. Yes, there are strategies or overall views that we can do. We’ll talk about the debt payoff on that path strategies on Thursday, we’ll talk a lot about impulse spending the rest of the month, we’re doing a whole series on that. But if you’re looking for that, okay. Let’s talk about what you need to do first, okay.
So what can you do? What should you be doing, because I can’t give you the specific map here over a podcast episode, right? 1,2,3,4,5. I got five things that you can do. The first one is being aware, being aware of what triggers you what you are avoiding what you are doing as what emotions, thought processes, whatever, all of those things come up.
So maybe you have a rough day with the money and then you end up your ego and postponing. Or maybe you avoid it, you just like go work on other things. So you don’t have to look at the numbers, those are all things that we have to start to work on being aware.
Because the second thing is we can’t ignore it. And if we’re ignoring it, like it’s not gonna get any better, we have to work on this and remove it. But it doesn’t have to be that overwhelming the most of the time that overwhelm comes from the guilt.
So the third thing is, I need you to stop feeling guilty over the choices that you’ve already made. There’s nothing that you can do in the past, to change that we have to just work on moving forward.
Taking Action
The fourth one is taking action, because you have to do something we have to get moving forward. The 14-Day Money Mastery Action Plan is the perfect thing. It’s like bite-sized steps. One a day, for 14 days, it’s a calendar, you can start, like it’s all set up for you really simple, that’s a perfect way to get started.
If you’re not in momentum, it’s small, little things to help you start moving. That’s the hardest thing to do, right, get into momentum.
Finding Root Beliefs
And then the last thing, when you’re aware, when you stop ignoring it, when you’re not feeling guilty, when you’re taking action, this becomes easier. But finding the root story, the root belief for a lot of us it’s built in from this feeling of not being enough, not being worthy enough not being good enough. Childhood, whatever you want to call it, that is a major story.
For a lot of people, that’s the story that I sit and deal with. It’s a continuing process. So still dealing with it. But working on finding the root cause and when you can do that, and when you can see it and not hold on to it, not get stuck in it, just see it and acknowledge it and keep going. That’s the space that we’re looking for looking towards.
And you see how like, I can’t just tell you like here, go A, B, C, D and then you’re golden. That doesn’t work. That’s not life. We’re dealing with emotions, we’re dealing with thoughts, we’re dealing with trauma, we’re dealing with money, it’s already emotional, it’s complicated, we can’t do like the one size fits all does not work.
Support for Your Financial Journey
So for Financial Literacy Month, this is what I want to do. If you’re ready to take action, I want to give you a bonus of additional support, because the support is the thing that’s going to make it work. So send me a message on Instagram if you’re not on my email list, because I’m going to send out a couple of different options to my email list.
But send me a message on Instagram if you are not. And we’ll chat about what that will look like. Because if you’re willing to take action, I want to meet you along the way give you additional support to make sure that you are able to make it happen move forward like you need to.
So that’s what I’ve got for now. It’s not one size fits all. There is a specific map a specific journey that you’re going to create based on your priorities, your values, your money, your life. It’s exactly what we call the podcast that that’s it for now. I’ll see you over on Instagram and then next time
Work With Me
If you’re struggling with shame and guilt around your finances, whether it’s debt impulse spending mistakes from the past, or the fact that you still haven’t hit your income goal, then it’s time for you to work with me. There are different levels of support and price points that you can use on the path to removing that guilt and shame so you can step into your unstoppable life. After all, your finances are unique to you and your support should be too good to workwithaimee.com to get started with one of my most popular programs, or you can book a q&a call with me. We’ll figure out what your next step should be. And of course, all those links are hanging out in the show notes as well.
