The Clever Girls Know Podcast Clever Girl Finance

Today on the podcast I have one of my girlfriends, Fo Alexander back as a guest to have a conversation with me about life, business and finances including how we are both spending and investing our money differently in this season.

Today’s episode is sponsored by SmartyPig! SmartyPig is a free online piggy bank for people saving for financial goals like holiday gifts, vacations, and even retirement. When you open a SmartyPig account, there are no fees! This means there are no fees to join, no fees to save, and no fees to withdraw your money. SmartyPig online savings accounts are offered through Sallie Mae Bank, Member FDIC.

LEARN MORE ABOUT SMARTYPIG: www.SmartyPig.com/?DTD_CELL=RDPCSM…OTOTHOTHRN010000


ABOUT FO:
Fo is a millennial personal finance expert whose story of paying off nearly $47K of debt in less than 6 months took the Internet by storm.

She is the editor-in-chief of the Mama and Money Blog, a motherhood and personal finance platform for women as well as the founder of the GirlTalkwithFo blog and podcast where she shares financial resources for women

WHAT WE DISCUSSED ON THIS EPISODE:
1. How has the pandemic affected our lifestyles
2. What our biggest concerns are
3. Where we see the biggest opportunities
4.  How our spending has changed
5. How our investing has changed
AND MUCH MORE

HOW TO KEEP UP WITH FO:
Via her websites: https://mamaandmoney.com and https:// girltalkwithfo.com
Via YouTube: youtube.com/mamaandmoney

❤ Access our FREE COURSES at clevergirlfinance.com/course-packages/ (All 30+ courses are free right now)
❤ Get the Clever Girl Finance book: clevergirlfinance.com/book
❤ Follow on Instagram: instagram.com/clevergirlfinance

While it’s a crazy time in the world with the pandemic there is still hope and there is still opportunity.
On today’s episode Jazmine Waller shares how she’s budgeting and STILL saving money despite the pandemic.

Today’s episode is sponsored by SmartyPig! SmartyPig is a free online piggy bank for people saving for financial goals like holiday gifts, vacations, and even retirement. When you open a SmartyPig account, there are no fees! This means there are no fees to join, no fees to save, and no fees to withdraw your money. SmartyPig online savings accounts are offered through Sallie Mae Bank, Member FDIC.

LEARN MORE ABOUT SMARTYPIG: www.SmartyPig.com/?DTD_CELL=RDPCSM…OTOTHOTHRN010000

ABOUT JAZMINE:
Jazmine Waller, is financial influencer, speaker and CEO of Budget Treasures.  Based on her experience she has paid off over $20,000 of debt and has helped her clients become debt-free and increase their income by increasing their income.streams.

 She is self-educated on how to effectively manage finances and create processes and systems to experience true financial freedom.  Her passion is to help single moms on their financial journeys with encouragement, knowledge, systems, and reassurance that they too can experience peace and freedom in their finances.


WHAT WE DISCUSSED ON THIS EPISODE:
1. Her enough is enough moment that put her on the journey to improving your finances?
2. How has the pandemic affected her budget and pursuing financial goals
3. How she’s budgeting and spending differently right now
4. How she’s been able to still save despite whats’ going on

AND MUCH MORE


HOW TO KEEP UP WITH JAZMINE:
- Via her website at https://www.budgetreasures.com/
- Via Instagram @budget_treasures_
- On YouTube: youtube.com/budgettreasures

❤ Access our FREE COURSES at clevergirlfinance.com/course-packages/ (All 30+ courses are free right now)

❤ Get the Clever Girl Finance book: clevergirlfinance.com/book

❤ Follow on Instagram: instagram.com/clevergirlfinance

On today’s episode, Aja shares her journey to becoming debt-free by paying off $200,000 in just 23 months.

This podcast episode is brought to you by the incredible Fab Aid initiative created by First Aid Beauty. First Aid Beauty has committed $1 million this year to help new graduates pay off their student loans. Plus they are adding 10% of the sales of their limited-edition FAB AID Ultra Repair Creams to their commitment.

Learn more and enter to win at http://bit.ly/CGFFABAID

To enter, all you have to do is fill out an application and submit a video sharing your student loan story.


ABOUT AJA DANG:
Aja Dang embodies the beauty of balance. This actress, model, T.V. and YouTube personality is dedicated to promoting a lifestyle that creates a healthy mind, body, and soul. Across all social media plat- forms, Aja epitomizes the modern multifaceted woman.

Generating genuine and authentic dialogue with her community, Aja addresses real life issues of finance, beauty, fitness, politics, relationships, and personal care. She has also launched a podcast, “Heavy Topics with Lightweights” with her best friend Laura Varney. In doing so, Aja has created a platform that is uniquely motivational, aspirational, and sustainable.

WHAT WE DISCUSSED ON THIS EPISODE:
- Aja shared the enough is enough moment that caused her to want to pay off her loans in full
- The specific things she did to pay off her debt including details of her income
- How she kept herself and continues to keep herself motivated now that she’s focused on saving and investing
- The steps she’s taking to ensure she maintains her debt freedom
AND MUCH MORE

AJA’S YOUTUBE CHANNEL:
https://www.youtube.com/ajadang

AJA’S DEBT PAYOFF VIDEO:
Her debt payoff video: https://youtu.be/Yvd0JwZj2hA

❤ Access our FREE COURSES at clevergirlfinance.com/course-packages/ (All 30+ courses are free right now)

❤ Get the Clever Girl Finance book: clevergirlfinance.com/book

❤ Follow on Instagram: instagram.com/clevergirlfinance

Managing your finances as a single mom can be challenging, but despite this with intention and focus you can build wealth and become financially successful.

Today’s episode is sponsored by SmartyPig! SmartyPig is a free online piggy bank for people saving for financial goals like holiday gifts, vacations, and even retirement. When you open a SmartyPig account, there are no fees! This means there are no fees to join, no fees to save, and no fees to withdraw your money. SmartyPig online savings accounts are offered through Sallie Mae Bank, Member FDIC.

LEARN MORE ABOUT SMARTYPIG: https://www.SmartyPig.com/?DTD_CELL=RDPCSMDCOTDOOTOTOTHOTHRN010000


My guest on this episode of the podcast is my dear friend Chaka Serrant she shares money tips for single moms based on her experience building wealth as a single mother.

MORE ABOUT CHAKA:
Chaka Serrant is a Management Consultant at a Global Technology Consulting Firm and Licensed Cosmetologist. As a boy mom and a believer in Christ, her focus has shifted to being a good steward over her time, finances, and relationships.

After finding herself in debt continually, something had to give, she became intentional about her career, paid debt, and diversified her investments with real estate, retirement savings, stocks, and began working with a Financial Planner.

One of her financial goals is limiting her taxable income during her retirement years. As a single mom, she has learned that sometimes we can’t do it all once, so outsource, it’s ok to ask for help!

WHAT WE DISCUSSED ON THIS EPISODE:
- Chaka shared her biggest challenges savings and investing as a single mom and what she has done with well.
- How she’s prioritizing her mental wellness and leveraging help to parent successfully.
- How she focused on earning more once her son came into the picture.
- She also shares what she's teaching her son about money and the legacy she wants to leave for him.
AND MUCH MORE

KEEP UP WITH CHAKA:
Via Instagram at https://instagram.com/chakaserrant

❤ Access our FREE COURSES at clevergirlfinance.com/course-packages/ (All 30+ courses are free right now)

❤ Get the Clever Girl Finance book: clevergirlfinance.com/book

❤ Follow on Instagram: instagram.com/clevergirlfinance

Today’s guest on the podcast is Marty McDonald and we are talking about side hustles and entrepreneurship.

ABOUT MARTY MCDONALD:
Marty is a side-hustler turned CEO of Boss Women Media. Like many, she wants to live her best life so she decided to leap after her dreams of creating a community of empowerment, change, and freedom after an 11-year corporate career with various fortune 500 companies.

She took an idea based on connection and turned it into a movement including the multi-city Black Girl Magic Tour, the annual Boss Woman of the Year Summit, and a loyal community of more than 100,000 women. 

Marty’s plan is to continue to expand the growth of the community of women she is building and to help them empower one another through connection, networking, and workshops. 

She knows that most women are allowing fear to hold them back from accomplishing the goals they desperately want to achieve so now she is on a mission to connect with women who want more, women who have big goals, big dreams and are chasing them every single day.

As part of her pivot in this season, she has launched the Black Girl Magic 2 Day Digital Summit taking place on August 15th and 16th 2020 and you can learn more about that on bosswomen.org when it’s announced soon.

WHAT WE DISCUSSED ON THIS EPISODE:
- Marty shares her personal story, having to continuously prove herself at her corporate job and what led her to start her business - including putting half of her paycheck towards building her business before she went full time.
- She shares her biggest challenges and successes building her business
- The 3 key pieces of advice she would give an entrepreneur starting from the bottom up with nothing hoping to achieve their success
AND SO MUCH MORE

KEEP IN TOUCH WITH MARTY:
Via Instagram - https://www.instagram.com/bosswomenmedia
Via her website - https://bosswomen.org/

❤ Access our FREE COURSES at clevergirlfinance.com/course-packages/ (All 30+ courses are free right now)

❤ Get the Clever Girl Finance book: clevergirlfinance.com/book

❤ Follow on Instagram: instagram.com/clevergirlfinance

On today’s episode of the podcast, my guests and I discuss how to navigate a new normal with actionable tools for credit score recovery and resilience.

THIS PODCAST EPISODE IS BROUGHT TO YOU BY FICO

Founded in 1956, FICO is a data analytics company based in San Jose, California focused on credit scoring services. Its FICO® Score, a measure of consumer credit risk, has become a fixture of consumer lending in the United States and is used in more than 90% of lending decisions today.

Now more than ever, FICO believes in helping empower communities by way of financial education and is committed to providing consumers with tools to maintain their financial health.
Partnering with FICO on this episode is Operation HOPE. Operation HOPE is a nonprofit for-purpose organization working to disrupt poverty and empower inclusion for low and moderate-income youth and adults. Its focus is financial dignity and inclusion. Operation HOPE equips young people and adults with the financial tools and education to secure a better future—coaching them through their personal aspirations and life’s challenges, and facilitating their journey to financial independence.

EPISODE GUESTS:

Joining me to have this conversation are two incredible women:

Joanne Gaskin is the Vice President of Scores and Analytics at FICO. She is responsible for the strategic direction of FICO’s scoring products and business partnerships serving the needs of the mortgage industry. Joanne has more than 20 years of experience in banking and financial services. She led efforts to address some of the most important topics impacting the mortgage market today.

ShaRhonda Walker is an Operation HOPE Financial Wellbeing Coach specializing in credit and money management. Her career has included many roles in financial services, including positions as a loan officer, real estate investor and owner, and consultant in the credit restoration space. Her simple philosophy of, "pay yourself and invest in yourself, first", has paid many dividends to her and individuals that she has coached in credit, taxes, and finances.

KEY RESOURCES MENTIONED IN THIS EPISODE:

1. FICO® Score Checklist and resources for Coronavirus:
- https://www.fico.com/en/fico-score-checklist-for-coronavirus
- https://www.myfico.com/credit-education/blog/protecting-your-credit-during-the-coronavirus-outbreak


2. For information on credit tips and how to dispute reports on your credit report:
- https://www.myfico.com/credit-education
- https://www.consumerfinance.gov/

3. FICO resource to support communities in times of need & upcoming events:
- https://www.fico.com/sabf

4. To get your free credit report from all 3 credit bureaus:
- https://annualcreditreport.com

5. To schedule time with ShaRhonda from Operation HOPE
- Booking link: ShaRhondaWalker.youcanbook.me
- Email: ShaRhondaWalker@operationhope.org
- Phone: 346-260-8640


❤ Access our FREE COURSES at clevergirlfinance.com/course-packages/ (All 30+ courses are free right now)
❤ Get the Clever Girl Finance book: clevergirlfinance.com/book
❤ Follow on Instagram: instagram.com/clevergirlfinance