Don't Depend On Daddy

On this episode of DDOD, Michela breaks down the 5 things you need to do to get started on (or refresh) your financial journey. This is a back-to-basics episode where the foundations of financial literacy are discussed at length, including budgeting, account frameworks, setting goals, money tools, and financial routines. OWN YOUR CAREER:  https://breakyourbudget.com/oyc-book FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard FREE Recession Guide: https://breakyourbudget.myflodesk.com/recession FREE Personal Finance Starter Kit:  https://breakyourbudget.myflodesk.com/mlncth2n40 All Other Resources:  www.breakyourbudget.com/links

OWN YOUR CAREER: https://breakyourbudget.com/oyc-book FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard All Other Resources: www.breakyourbudget.com/links Birks I got: https://www.birkenstock.com/us/-boston-soft-footbed-suede-leather/boston-suede2-suedeleather-softfootbed-eva-u_2215.html On this episode of DDOD, Michela shares an update on her moving plans, her current favorites, and answers a few of your questions about dating, HYSA, writing a book, getting confident on social media, and more!

On this episode of DDOD, Michela shares 10 micro habits that might be keeping you broke. All of these micro habits are things you could be doing that are sabotaging your money. The best part is that they are all easily adjusted or changed, and don’t require getting a new job or increasing your salary. Do you do any of these? Leave a comment to let her know! OWN YOUR CAREER: https://breakyourbudget.com/oyc-book FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard All Other Resources: www.breakyourbudget.com/links

On this episode of DDOD, Michela discusses a game plan to take advantage of the September Surge! The September Surge is a period after the summer but before the holiday season where recruiters and companies are the most focused on filling positions. She discusses how to give your public facing profiles a facelift, up your networking game, and put together a job application strategy. If you are looking for a new role you need to listen! (These tips apply at any point of the year, not just during September) OWN YOUR CAREER: https://breakyourbudget.com/oyc-book RESUME TEMPLATE: https://breakyourbudget.myflodesk.com/e985fd77-7555-40b0-9595-96b6cffa3e69 FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard All Other Resources: www.breakyourbudget.com/links

OWN YOUR CAREER: https://breakyourbudget.com/oyc-book FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard All Other Resources: www.breakyourbudget.com/links On this episode of DDOD, Michela answers your money/career/life questions! From how to stop impulse spending to optimizing your time while working from home. Here are the questions she covers: -How do I stop impulse spending on clothes and shopping? -What HYSA do you recommend? What bank accounts do you use? -Do you have recommendations for the car buying process? -Is there such thing as “saving too much?” -Do you have advice for job hunters that are desperate to get out of a toxic job? -How to decide between paying off medium interest debt and investing? How to optimize efficiency when working from home? -How to become a morning person? -How do you structure your business? -Have I read ‘Die With Zero’ and what do I think about the strategy? -Advice for balancing saving for retirement and medium term goals like a down payment? -Reasons for wanting to move away from LA?

(sorry the audio on this is a tad weird!) OWN YOUR CAREER: https://breakyourbudget.com/oyc-book FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard All Other Resources: www.breakyourbudget.com/links On this episode of DDOD, Michela does a deep dive on credit cards! She covers what factors make up your credit score, how to build and boost your credit, how to figure out the right credit card for you, and her current suite of cards. If you have credit card questions and are looking for the right card, this is a great episode for you!

HYSA vs. CD Article: https://www.ally.com/stories/save/cd-vs-savings-account/ OWN YOUR CAREER: https://breakyourbudget.com/oyc-book FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard All Other Resources: www.breakyourbudget.com/links On this episode of DDOD, Michela shares 5 tips to navigate and prepare for a recession. There were many compounding factors that have led to this point and unfortunately we are on the edge of what could be another recessionary period. If you are feeling concerned and are seeking tips on how to prepare your finances and your career for a recession, this is for you! She covers: -How to take a financial snapshot -How to evaluate your cash position -Why you should prioritize your debt -How to find areas in your budget to reduce -Why you need to uplevel your skillset

OWN YOUR CAREER: https://breakyourbudget.com/oyc-book FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard All Other Resources: www.breakyourbudget.com/links On this episode of DDOD, Michela shares 5 steps to get your spark back if you are feeling in a funk! From focusing on your routines, getting out of the house, asking for help, spending extra time planning, and more. If you are also dealing with the summer blues or have just been feeling “off” this is for you!

On this episode of DDOD, Michela is joined by Matt Schulz to discuss tactics for advocating for and negotiating your money! Matt Schulz is a credit analyst at lending tree, and has been featured on national shows like good morning America, today show, NBC nightly news and more to share his expertise around personal finance and taking control of your financial life. His book, Ask Questions, Saving Money, Make more is a powerful, step by step guide for improving your finances by getting better rates and discounts from credit card companies, banks, hospitals, and other businesses, just by asking! The book is full of scripts and scenarios to help you advocate for yourself with more confidence. Questions we cover: -Financial lessons for your younger self -How to feel more confident speaking up and asking the right questions -Questions to ask across the 7 most important categories of your money: credit/debt, healthcare, housing, shopping, travel, work, and relationships Matt’s Book: https://www.mattschulz.com/ OWN YOUR CAREER: https://breakyourbudget.com/oyc-book FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard All Other Resources: www.breakyourbudget.com/links

This week Michela is answering your personal questions! She shares an update on how dating is going, future travel plans and a big trip for 2025, how she organizes future purchases, her "menu" for emotional shopping, books she is reading, combining finances and more! OWN YOUR CAREER: https://breakyourbudget.com/oyc-book FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard All Other Resources: www.breakyourbudget.com/links