Hi Friend,

In this episode I’m joined by Debbie Sluys, founder of Dare to Declare. We discuss the importance of vision boards as tools for setting and achieving personal and financial goals. Debbie shares her faith-based perspective on vision boarding, dispels common myths, and explains why money shouldn't be the central focus. Additionally, we delve into the transformative potential of vision boards for different aspects of life, including business and personal growth. Tune in to uncover actionable insights and steps to align your financial goals with your life's vision.

02:35 Guest Introduction: Debbie Slews

03:59 Debunking Myths About Vision Boards

05:02 Vision Boards as an Act of Worship

11:11 Understanding Universal Laws and Manifestation

13:57 Why Money Doesn't Belong on Vision Boards

17:48 Cherry Picking the Vision Piece

18:18 Reverse Engineering Your Vision

18:50 Manifestation and Vision Boards

20:02 The Importance of Vision in Business

21:36 A Story of Skepticism and Vision

24:50 Holistic Financial Freedom

26:10 Different Applications of Vision Boards

29:44 Connecting with Debbie

https://debbisluys.com/media-kit

www.pamelahreed.com

For coaching consultation https://calendly.com/pamelareed/coaching-consultation

Hi Friend!

In this episode I discuss being strategic with holiday spending. I share my personal experiences and provide practical tips on how to approach holiday spending with a game plan to avoid post-Christmas debt. I outline two methods for setting a holiday budget: choosing an amount based on affordability and analyzing previous years' spending. I also emphasize the importance of tracking your spending and planning gifts in advance. Additionally, I encourage you to reflect on your past spending habits to better prepare for future financial commitments. The episode concludes with a weekly challenge to analyze spending trends and plan accordingly.

01:56 Mini Money Management Bootcamp: Holiday Spending

03:35 Setting a Holiday Budget

04:38 Tracking and Adjusting Your Spending

07:03 Practical Tips for Holiday Spending

10:09 Weekly Step and Conclusion

11:13 Final Thoughts and Farewell

Hi Friend!

In this episode of Confident Steps to Financial Freedom, I am sharing a straightforward yet impactful budgeting hack designed to keep your finances on track and reduce money-related stress. Discover how saving for annual expenses on a monthly basis can prevent budget blowups, ensure you meet your financial goals, and lower your stress levels.

I share practical examples and explain how to set up a 'future expenses fund' or a designated savings category in your budgeting app. Tune in to learn how small steps can lead to significant financial strides and help you achieve financial freedom.

02:01 The Problem with Annual Bills

03:56 The Budgeting Hack Revealed

05:07 Benefits of the Budgeting Hack

06:27 Action Steps for Financial Freedom

Visit me at pamelahreed.com

Hi Friend,

Today's Episode is In today's episode I address the challenges of maintaining a zero-based budget when it seems unmanageable. I share personal insights from a conversation with my daughter about reconciling your budget and ensuring that all financial categories are properly accounted for at the end of each month. Key advice includes the importance of closing out each month's budget, reconciling planned vs. actual spending, and preparing the next month's budget starting from the real bank balance. Friends please set aside time monthly to review and adjust your budget, ensuring consistent financial management and progress toward financial freedom.

Hi Friend,

In this episode, I reconnect with Dr. Tamara Johnson, an old friend and expert in college scholarships and funding. Dr. Johnson, a physical therapist and mother of two college students, shares insights from her journey to secure debt-free college education for her sons. Dr. Johnson discusses her personal experiences, tips on finding and applying for scholarships, and the importance of preparing early. The conversation touches on the impact of good GPA, test scores, volunteer hours, essay writing, and the significance of setting children apart from their peers. She also emphasizes the importance of parental support and strategic planning from middle school to college. Dr. Johnson's advice can help families save thousands of dollars and achieve financial freedom by avoiding student loan debt.

00:00 Introduction and Personal Connection

02:04 Dr. Tamara Johnson's Background

04:09 The Journey to Debt-Free College

05:46 Understanding Merit Scholarships

14:23 Early Preparation and Middle School Scholarships

16:29 Essay Writing Tips and Parental Involvement

19:58 The Million Dollar Scholarship Success

21:07 How to Start Your Scholarship Search

24:29 Contact Information and Final Thoughts

Connect with Dr. Johnson

Website: www.collegeboundjourney.net

Facebook: college.bound.journey.2023

IG: collegeboundjourney

Email: collegeboundjourney@gmail.com

Connect with Pam

www.pamelahreed.com

Hi Friend,

In this episode of our Mini Money Management Bootcamp, we're diving into the heart of budgeting: the Zero-Based Budget (ZBB). I’ll share why this budgeting method transformed the way I manage my finances and how it can do the same for you. You’ll learn the key differences between ZBB and traditional budgeting, plus practical examples to make implementing it simple. Get ready to assign every dollar a job and take control of your money with purpose and clarity!

What You’ll Learn in This Episode:

• Why zero-based budgeting helps you become more intentional with your spending choices.
• How ZBB allows you to actively prioritize your financial goals like saving, investing, or paying off debt.
• How examining every dollar of your income with ZBB increases awareness of where your money is really going.
• The critical differences between ZBB and traditional budgeting, including prioritization, intentionality, consistency, and risk management.
• Examples of how ZBB works in real-life scenarios.

  Connect with Pamela: pamelahreed.com

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