Becoming The Wealthy You | How to Save Money, Stop Overspending, Get Out of Debt, Budgeting & Personal Finance for Women

Germaine Foley | Financial Coach
  • 4.9 (74)
  • Self-Improvement
  • Weekly

A personal finance podcast for women who make good money but still struggle with overspending, credit card debt, and/or saving money. This isn’t about strict budgets or deprivation, it’s about getting to the root of why money still feels hard even though you’re successful in other areas of your life. Hosted by Germaine Foley, the show focuses on mindset and building systems that actually work in real life. If you’ve paid off debt before, grown your business, or made more money but still feel stuck, there’s nothing wrong with you. Overspending and financial stress aren’t a lack of discipline, they’re a sign that the strategies you were taught don’t fit your real life. This show helps you understand what’s actually happening beneath the surface so you can finally change it. Each episode offers honest conversations, practical insights, and a new way to think about money that supports both your life now and your long-term goals. If you’re ready to stop stressing about money all the time and start moving forward, you’re in the right place.

  1. 1d ago

    203. Holiday Overspending: How to Enjoy the Season Without Starting January in Debt w/ Allison Baggerly

    The holidays are supposed to be joyful. But between gifts, travel, decorations, parties, food, family traditions, and all those little purchases that somehow keep adding up, it is very easy to spend way more than you intended. And then January comes. The decorations come down. The credit card statements show up. And suddenly, all that holiday spending doesn’t feel quite as festive anymore. So I’m bringing back a conversation with Allison Baggerly, founder of Inspired Budget, all about how to enjoy the holidays without letting your spending get completely out of control. We’re talking about the pressure that can come with holiday spending, why it’s so easy to overspend this time of year, and how to make more intentional decisions without feeling like you have to take all the fun out of the season. If you’ve ever told yourself, “I’ll deal with it in January,” this is an episode I want you to hear before the holiday spending really gets going. Because the goal isn’t to have a perfect, ultra-frugal holiday. The goal is to enjoy the season and still feel good about your money when it’s over. Listen in for my conversation with Allison Baggerly of Inspired Budget. About this week's Guest Allison Baggerly is an author, podcaster, money coach, and founder of Inspired Budget. As a former teacher, Allison blends her talents for teaching with her passion for personal finances to help others learn how to start budgeting and build a life they love. Allison and her husband paid off over $111,000 of debt on 2 teacher salaries while growing their family. During the process, she learned how to take back control of her money, stay consistent with paying off debt, and stop emotional spending once and for all. Allison has been featured in notable media outlets such as Forbes, Business Insider, and Parents as a budget expert who gives women a step-by-step process to break free from the grueling paycheck-to-paycheck cycle. Her book, Money Made Easy, offers a variety of solutions to help you write a budget that works, pay off debt, and have a better relationship with money. Connect Further w/ Allison using the following links: https://inspiredbudget.com/ https://inspiredbudget.com/podcast https://inspiredbudget.com/goodbyedebt Ready for support? If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation. This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently. Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster. Click Here to Schedule yours today

  2. Nov 3

    202. Making Good Money but Not Saving Enough? 3 Money Opportunities You May Be Missing

    You may be making more money than you realize. Not because you got a huge raise. Not because you started a side hustle. But because there may already be money coming into your life that you’re not really taking advantage of. And depending on your situation, we could be talking about hundreds or even thousands of dollars. The problem? A lot of that money gets absorbed into everyday spending before you ever really decide what you want it to do for you. And a few months later, you’re left wondering where it went. In this week’s episode of Becoming the Wealthy You, I’m sharing three money opportunities I want you to start paying attention to, especially if you make good money but still feel like you should be saving more, paying off debt faster, or investing more consistently. But the bigger conversation isn’t just about finding extra money. It’s about what happens when that money finally shows up. Because if you don’t make a decision ahead of time, there’s a really good chance your spending will make the decision for you. If you’ve ever received extra money and later thought, “Wait… what did I even do with that?” this episode is for you. Listen now and see which opportunities you may be missing. Ready for support? If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation. This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently. Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster. Click Here to Schedule yours today

  3. Oct 27

    201. Starting Over After Divorce: How One Woman Changed Her Finances During One of the Hardest Seasons of Her Life

    What can actually change when you decide to get serious about your money? In this week's episode of Becoming the Wealthy You, I'm sharing something I've never shared on the podcast before: a portion of a real final coaching session with one of my private clients. This wasn't a podcast interview. Nothing was scripted or rehearsed. My client was simply reflecting on the work we'd done together, the financial progress she made, and what had changed in the way she thinks about money. And as I listened to her, I remember thinking, I wish I was recording this. So we did. When she first started working with me, she was navigating life after a divorce and adjusting to a very different financial reality. It would have been easy to tell herself, "This isn't the right time." Instead, she decided this was exactly the time to start changing the way she handled money. And in this episode, you'll hear what happened next. You'll hear about some of the tangible results she created, including changes in her savings, debt, cash flow, and overall financial confidence. But I especially want you to listen for what changed underneath the numbers. How she thinks about money now.How she makes financial decisions.How her relationship with spending changed.And how much more confident she feels in her ability to keep saving money, manage debt, and build wealth long after our coaching relationship has ended. Because changing your financial life isn't just about changing what's in your bank account. It's about changing your money habits, your decisions, and the way you see yourself with money. If you've been telling yourself you'll finally deal with your finances once life settles down, this is an episode I really want you to hear. Ready for support? If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation. This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently. Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster. Click Here to Schedule yours today

  4. Oct 20

    200. 12 Money Truths Every Woman Needs to Hear About Saving, Debt, Investing, Spending, and Building Wealth

    Two hundred episodes. That is a lot of conversations about money. And after all of those episodes, years of coaching women, and plenty of lessons from my own financial life, there are a few things I know for sure. Some of them may challenge the way you think about money. Some may sound familiar. And some may be exactly what you need to hear right now. In this special 200th episode of Becoming the Wealthy You, I’m sharing 12 money truths I’ve learned about women, money, and what it actually takes to build wealth. We’re talking about: Why making more money does not automatically fix money problems.Why your financial past does not have to determine your future.Why overspending is often about more than what you buy.Why getting out of credit card debt is only part of the goal.Why building wealth does not require giving up your life.Why investing matters, but so does what happens before the money gets invested.Why support can sometimes be the missing piece.This is one of those episodes I want you to listen to slowly. Not because you need to agree with every single point. But because I think at least one of these 12 truths is going to make you stop and think about your money differently. And maybe that one shift is exactly what you need next. Ready for support? If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation. This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently. Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster. Click Here to Schedule yours today

  5. Oct 13

    199. ADHD and Money: 6 Practical Strategies to Make Managing Money Easier

    Managing money can feel like a lot. Remembering what needs to be paid. Trying not to overspend. Figuring out how much to save. Deciding what you can spend. Trying to stay consistent. And if you have ADHD, some of those things can feel even harder to manage. That’s why this week we’re moving from mindset to practical strategies. In Episode 198, we talked about the way your mindset can influence what you believe about yourself and your financial future if you have ADHD. This week, we’re talking about what you can actually do to make managing money easier. I’m sharing six practical strategies you can experiment with if impulsive spending, staying organized, remembering what needs to happen, or consistently following through with your money has been difficult. We’ll talk about things like: Creating clearer boundaries around spending.Making impulse purchases a little less automatic.Using systems so you don’t have to remember everything yourself.Reducing the number of money decisions you have to make.Making it easier to follow through on saving and debt goals.What to do when you get off track so one decision doesn’t turn into months of avoiding your money.And you do not need to have ADHD for these strategies to be helpful. If managing money feels harder than it should, I think you’ll find at least one idea in this episode that makes things feel a little easier. You don’t need to implement all six. Pick one or two that make sense for you and start there. If you want even more practical strategies, I created a free guide called Money and ADHD: 9 Practical Strategies to Help You Manage Spending and Build Better Money Habits. Click Here to grab your free copy. Ready for support? If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation. This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently. Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster. Click Here to Schedule yours today

  6. Oct 6

    198. ADHD and Money: The Mindset That May Be Keeping You Stuck

    "I have ADHD, so I'm just never going to be good with money." Have you ever told yourself something like that? Maybe you've tried budgeting more times than you can count. You start saving money, but somehow the savings never seem to stay there. You make progress paying down your credit cards, only to find yourself dealing with the balances again. Or maybe impulse spending is something you've been trying to get under control for years. And after trying so many different things, you start wondering whether managing money is just always going to be difficult for you. But what if there's something about the way you're thinking about your financial future that deserves a closer look? In this episode of Becoming the Wealthy You, we're talking about ADHD and money, specifically how the beliefs you have about yourself can influence the way you approach managing your finances. And whether you've been diagnosed with ADHD, suspect you might have it, or don't have ADHD at all, I think there's something in this conversation for you. We'll get into: Why ADHD can make certain aspects of managing money more challenging.How years of frustration with overspending, saving money, or budgeting can influence what you believe about yourself.The difference between acknowledging a real challenge and deciding what that challenge means for your future.Why the financial strategies you've tried in the past may not have worked for you.How to begin thinking differently about what's possible for your financial life.I'm not an ADHD expert or a mental health professional. I'm a money coach who has worked with women who have ADHD, and I believe it's important to consider the whole person when figuring out how to manage money. Because there's no single approach to money management that works for everybody. And if you've spent years believing you'll never be good with money, I especially want you to hear this episode. Free Resource: ADHD and Money I've created a free guide called: ADHD and Money: 9 Practical Strategies to Help You Manage Spending and Build Better Money Habits. Inside, you'll find practical strategies to explore if impulse spending, financial routines, or managing money consistently have been challenging. Click Here to get your free guide  And be sure to come back next week for Episode 199, when we'll take this conversation further and talk about ADHD-friendly spending strategies. Ready for support? If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation. This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently. Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster. Click Here to Schedule yours today

  7. Sep 29

    197. Why You Keep Starting Over With Saving Money and Paying Off Debt

    Remember how excited you were the last time you decided you were finally going to get your finances together? You had a plan. You knew how much you wanted to save, how much credit card debt you wanted to pay off, and what you needed to change about your spending. And for a while, you were doing great! But then a few weeks went by. Maybe you overspent one weekend. Maybe an unexpected expense came up. Or maybe you simply stopped feeling as motivated as you did when you started. And before you knew it, you weren't doing the things you were so excited about doing just a few weeks earlier. Sound familiar? In this episode of Becoming the Wealthy You, we're talking about why so many of us start strong when it comes to changing our finances but have a hard time following through long enough to get the results we want. We'll get into: Why the excitement you feel when starting a new financial goal can be misleading.What happens when you're making progress but no longer feel motivated.Why one weekend of overspending can sometimes turn into months of avoiding your money.What it takes to keep moving toward your financial goals when things don't go according to plan.How to approach saving money, paying off credit card debt, and changing your spending habits differently.If you've ever felt like you're constantly starting over with your money, this episode will give you something important to think about. Because the real test isn't always how excited you are when you begin. It's what happens when that excitement is gone. Ready for support? If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation. This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently. Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster. Click Here to Schedule yours today

  8. Sep 22

    196. Values-Based Spending: How to Stop Overspending Without Going on a Strict Budget

    If you make good money but still find yourself overspending, carrying credit card debt, or wondering why your savings is not where you want it to be, this episode is for you. This week, I’m bringing back one of my MVP episodes, one of the most valuable episodes I’ve released. And this conversation on values-based spending is one I really want you to hear. Because overspending is not always about a lack of discipline or self-control. A lot of us were simply never taught the skill of spending money in a way that supports our values, our goals, and the financial life we actually want. In this episode, we’re talking about how to stop overspending without going on a strict budget or giving up everything you enjoy. We’ll get into: What values-based spending actually looks like.Why spending more intentionally does not mean becoming frugal or restrictive.How to identify what is truly worth spending your money on.Why overspending can keep you stuck in credit card debt and low savings.How to make sure your spending supports the life you want now and the future you are building.If you are making $100K, multiple six figures, or close to it, but still feel like your money is not creating the financial progress it should, this episode will help you look at your spending differently. Because the goal is not to stop spending. The goal is to stop funding things that do not matter to you so you have more money available for the things that do. More savings. Less credit card debt. A retirement account that is on track. Vacations you can enjoy without going into debt. And the feeling that you are finally in control of your money. Note: This episode was originally part of a series and refers to the consultation as a Wealth Building Consultation. It is the same Private Money Coaching Consultation offered today. Ready for support? If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation. This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently. Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster. Click Here to Schedule yours today

See All (204)

Trailer

4.9
out of 5
74 Ratings

About

A personal finance podcast for women who make good money but still struggle with overspending, credit card debt, and/or saving money. This isn’t about strict budgets or deprivation, it’s about getting to the root of why money still feels hard even though you’re successful in other areas of your life. Hosted by Germaine Foley, the show focuses on mindset and building systems that actually work in real life. If you’ve paid off debt before, grown your business, or made more money but still feel stuck, there’s nothing wrong with you. Overspending and financial stress aren’t a lack of discipline, they’re a sign that the strategies you were taught don’t fit your real life. This show helps you understand what’s actually happening beneath the surface so you can finally change it. Each episode offers honest conversations, practical insights, and a new way to think about money that supports both your life now and your long-term goals. If you’re ready to stop stressing about money all the time and start moving forward, you’re in the right place.

Information

You Might Also Like