Talk Finances To Me

06/02/2021

I have so many new friends on here I figured I would re-introduce myself (cue Jay Z)

I started my financial journey in 2018, before that I was a huge emotional spender and I had about $10,000 in credit card debt, $3,500 in school loans, and A LOT of collections.
I was freshly out of a negative, toxic, and mental abusive relationship (inspiration for the video on this post).
Getting good with money was a MUST. I had to figure it out, I was a single mother struggling to make ends meet.

This is when I started documenting my journey on

With much trial and error, learning, researching, working hard, and living below my means, I have paid over $20,000 in debt, saved a 6 month income emergency fund, increased my credit score to surpass 700, and increased my income.

Let’s just say letting go of unnecessary baggage that holds you back can do WONDERS for your future.

Welcome everyone, I am blessed to be able to share my story, my tips, and my insight on personal finance.

Happy Friday y’all 💜

03/12/2020

What an extra $20 can do 😎

02/12/2020

Happy December 🎄

My name is Jennifer and I love talking about, dancing about, posting about, thinking about, Personal Finance 💜

Here are some quick facts about me:

🎄Im 30 years YOUNG 😩
🎄Happily engaged with my best friend
🎄I am a mom to 2 sons and 2 bonus daughters 💝
🎄My favorite thing to do is travel with our kids and experience new places 😍
🎄I started because of the mistakes that I made in my 20’s with money and I WISHED there was someone who could help!
🎄Along with money mistakes, I had no clue that being in the wrong relationship would actually hinder my wealth (that’s why I love talking about money and relationships, too)
🎄My favorite place to be other than Instagram is Tiktok 😂

Happy Wednesday y’all! 🌻

28/11/2020

Happy Thanksgiving 2020

Even though I mainly talk about personal finance, I have to show my reason to keep pushing. My why, the reason I don’t give up.

Even though this picture is missing two beautiful girls, all 5 of them are my why to reach financial freedom.

Happy Thanksgiving everyone!

17/11/2020

Dancing and money tips? Yes please !

The easiest way to avoid overdraft fees!

SEPARATE YOUR BILLS AND SPENDING!

💳 Use Checking account #1 for direct deposits and bill pay

💳 Use checking account #2 for daily spending

You will never have to figure out how much money you ACTUALLY have left after bills!

Happy Tuesday y’all ! 🌻

16/11/2020

Addressing Disparities in Finance for Hispanics and Latinos. I had the honor of including my personal experience with disparities as a Latina for Money Geek. (Article is linked in bio)

Financial freedom, building generational wealth, and creating different income streams, for me, was not taught nor explained.

My mom and her siblings were the first generation to go to school in the United States. Prior to her, her parents came from Puerto Rico, and prior to her parents, their family came from Spain.

My mom always taught me to save, pay off debt, and spend only what I could afford, and for that I am grateful. Being able to share this information to the world and creating financial literacy in the process is exactly what I feel called to pursue.

If you would like to read the article, it is linked in my bio!

Happy Monday ya'll !

13/11/2020

How To Manage Emotional Spending | Stop Shopping !

Live on my YouTube channel ! Emotional spending ! Are you an emotional spender? What do you do to control it?

How To Manage Emotional Spending | Stop Shopping ! In today's video, I am going over what is emotional spending, way you can manage emotional spending, and s...

12/11/2020

My latest YouTube video is my November budget overview, link in bio!

I decided to change the way I record these, check it out and tel me what you think!

Happy Thursday y’all !

01/11/2020

November 1st 2020

There’s 60 days left in 2020! Write down those new goals! Visualize yourself obtaining those goals!

You got this! Happy Sunday y’all 🌻

30/10/2020

Toxic relationships can make you BROKE! I experienced a toxic relationship that ALWAYS had an impact on my financial situation!

Along with fighting for our worth with our income, as women we need to set ourselves up for success with our money management and wealth building as well!

If we can’t handle your money before a raise, more money isn’t going to help us 🤷🏻‍♀️

Here’s to you being a bad*ss with your money, business, employment, relationships, EVERYTHING !

Love you 💜 Happy Friday y’all 🌻

29/10/2020

The look I give when Latinas are finally getting their worth!

Did you know that today marks the day that Latinas have finally caught up to what the average white male earned in 2019 alone?

It takes Latinas 22 months to catch up to what the average white male made in just 12 months.

Latina mother’s earn 55% less than white father do.

Latinas are paid $0.67 for every $1 that white men are paid, regardless of education, experience, where they live, or who they know.

Today, women working full-time in the United States still earn 79 cents for every dollar a man earns. That is only 20 cents more than in 1963. It took 50 years !!!

According to the National Women’s Law Center, Latinas must obtain a bachelor’s degree or more before their typical wages exceed those of white, non-Hispanic men without a bachelor’s degree per

50, 30, or even 10 years is way too long!

Today I recognize and support each and every Latina.

28/10/2020

Should you pay off debt first or start investing? Tips to help you decide!

New Video is live on my YouTube channel ! Should you invest or pay off debt ? Tips to help you decide!

Should you pay off debt first or start investing? This is a tough decision to make. Everyone wants to be debt free first, but everyone wants to take advantag...

30/09/2020

If I can still have the luxurious things, I’ll still have them though. I’m just saying this for a friend 💁🏻‍♀️

21/09/2020

MoneyGeek.com

It is an honor to be apart of this list. If you haven't read the article, check it out below !

In honor of National Hispanic Heritage Month, here are some Latinas that produce great personal finance content! Go check them out!
Yo Quiero Dinero, Diana Ms. Informed Latina, Master My Fire, Investing Latina - Money Talk, Talk Finances To Me, Amanda Abella, Missbehelpful

The full list of women and more about them here: https://www.moneygeek.com/financial-planning/latina-finance-influencers

21/09/2020

I had the honor of having an interview with Money Geek where they shared 10 Latina Finance Influencers to follow in light of Hispanic Heritage Month (September 15th-October 15th).

I shared my money story along with the reason for my passion on this topic.

Below are the Latina Finance influencers you should follow!











Knowing that Latinas are passionate about Finance and are sharing it with the world is everything !

If you would like to read the article, it is linked in my bio 💜 @ Treasure Coast, Florida

11/08/2020

*If these things bring you joy, that’s 100% ok*
What have you stopped buying that you no longer enjoy ?

05/08/2020

My goal for the end of this year is to reach a net worth of $75,000.

Never in a million years would I have imagined having a positive net worth.

I Lived the paycheck to paycheck lifestyle for most of my early twenties. It was hard, not to mention I was NOT financially literate.

The only thing I wanted to achieve was to make it to the next payday.

Sometimes I laugh at those memories because at this point in my life, that’s all I could really do. Instead of beating myself up and regretting my past decisions with money, I laugh 🤭😅🤣

Little steps in the right direction lead to success. I’m glad I chose to turn my finances around when I did.

Happy Tuesday y’all !

04/08/2020

True or true? Both situations are hard to live with, might as well get good with money, generate more streams of income, and learn how to build generational wealth 🤷🏻‍♀️

03/08/2020

The fact that the majority of this debt is my car loan *kind of* makes me happy lol.

Knowing that I am no longer paying crazy high interest on any credit card calms my spirit.

Total debt consists of:

1. Car loan
2. Student loan
3. PNC transfer Credit card

Happy Monday y’all!

02/08/2020

Just some sacrifices I made at the beginning of my debt free journey. Oh the sacrifices! 🤷🏻‍♀️🙋🏻‍♀️

23/07/2020

Digital Budget Planner Using Goodnotes | Biweekly Budget With Me | July 2020

Today's Youtube video is live on my channel ! Go ahead and check it out. I am using a digital form on Goodnotes and budgeting my paycheck for July 2020.

Paycheck to paycheck Budget With Me | Digital Budget Planner Using Goodnotes | July 2020. In today's video I am trying something new by using a digital budge...

20/07/2020

I have been really diving into my personal finance/entrepreneurship books lately.

Hourly time blocking and fitting in time to read about finance. does something to my soul I just cannot explain ❤️

Productivity and I have a love/hate relationship but I would say that it’s been mostly love these days, especially when it comes to my finances.

Happy Monday y’all !

10/07/2020

Budget With Me | July Biweekly 2020 | My Biweekly Budget

Just uploaded ! Budget with me live on my YouTube channel ! Click the link below !

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In today's video, we are budgeting my first paycheck of July through July 21, 2020! We had so many money goals this year but with the circumstances we all ar...

09/07/2020

July numbers! I really wanted to be under the $30,000 mark by paying off our balance transfer CC. We live in Florida and we work in the south Florida region where all of the increases of COVID cases are rising.

With the influx of cases and having no idea what will happen as far as shutting the state down again, we have decided to keep the money in our high yield savings account until we see some sort of positive progress.

This balance transfer CC is not generating ANY interest. I also have my student loan and a car loan.

The positive: we have decreased our debt by $602!

Happy Thursday y’all !

19/06/2020

Budget With Me | June Biweekly 2020 | My Biweekly Budget

New upload is live on my Youtube channel ! Check it out and make sure to send it to someone who would enjoy it !

In today's video, we are budgeting my first paycheck of June 2020! We had so many money goals this year but with the circumstances we all are facing, we are ...