Think summer means spending more than you'd like? Think again. In this powerful episode of the Female Finance Collective Podcast, Jen, Mary Lee, and Sybil challenge you to try a no-spend weekend—and show you exactly how to do it without missing out on fun, connection, or comfort.

Whether you're planning ahead or reeling from recent splurges, this conversation is your invitation to slow down, save, and feel more at peace with your money.

Why it matters:

No-spend weekends aren't just about saving money. They're about gaining clarity, confidence, and a sense of control over your spending, especially in a season that’s easy to overspend in.

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Connect with other women striving for financial empowerment. Learn, grow, and share your journey with us here: www.skool.com/female-finance-collective/about

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TIMESTAMPS

00:00 - Welcome to the Female Finance Collective

01:00 - Why summer spending sneaks up on us

02:00 - What is a no-spend weekend (and why we love them)

03:00 - Real-life financial balance: Treat weekends like mini-vacations and reset with no-spend weekends

05:00 - The mindset shift: Conscious spending vs. lifestyle creep

08:00 - Using no-spend weekends to fuel next year’s dream trip

09:00 - How to prepare: books, board games, pantry recipes, and more

11:00 - What counts as “spending” (and what doesn’t)

13:00 - Make it an event: crafts, forts, movie night, and signs

15:00 - How to remove temptation and reset habits

17:00 - Using social media to spread awareness and stay accountable

19:00 - Why peace, control, and alignment with your money is the goal

20:00 - Join the challenge & share your no-spend plans!

*Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.

Summer fun shouldn’t leave you stressed in September. In this episode of the Female Finance Collective Podcast, Jen, Mary Lee, and Sybil talk about how to plan ahead for a financially confident summer.

Whether you're budgeting for camp, cutting costs on cute summer clothes, or prepping for memory-making without overspending, this episode is packed with real talk, practical tips, and honest encouragement.

Ready to enjoy summer without blowing your budget? Let’s get into it.

Join Our Community:

Connect with other women working toward financial empowerment. Learn, grow, and share your journey with us here: www.skool.com/female-finance-collective/about

We’d Love to Hear from You!

Do you have questions or ideas? Connect with us!

Instagram: @femalefinance.collective

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TIMESTAMPS

00:00 - Welcome to the Female Finance Collective

01:00 - Why summer planning starts now

02:45 - Real-life overspending stories and lessons

04:00 - Make your summer fun list (for all budgets!)

06:00 - Using inventory to avoid unnecessary spending

08:30 - What’s already in your closet or garage?

10:00 - Free and low-cost activities that create the best memories

12:45 - Planning for birthdays, travel, and unexpected costs

14:30 - How to make next summer even better (start now!)

16:45 - Modeling financial mindfulness for kids

18:30 - What really matters in summer fun

19:15 - Share your summer list with us!

*Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.

In this empowering episode of the Female Finance Collective Podcast, Jen and Sybil break down exactly how credit scores work—and why they matter more than you think. We’ll show you how to check your score safely, what factors impact it, and how to improve it whether you're just starting out or rebuilding. No overwhelm. No shame. Just clear steps that save you money and open doors.

Join our Community:

Connect with other women working toward financial empowerment. Learn, grow, and share your journey with us here: www.skool.com/female-finance-collective/about

Let’s Hear from You!

Do you have questions or ideas? Connect with us!

Instagram: @femalefinance.collective

Facebook, YouTube, Pinterest: Female Finance Collective

Timestamps:

00:00 Welcome to the Female Finance Collective

01:00 Why your credit score really matters

02:00 What is a credit score, and what’s a “good” one?

03:00 The 5 key factors that impact your score

04:30 Credit utilization explained (and why 30% is the magic number)

05:30 What new credit activity means for your score

07:00 Who checks your credit—and why it matters

08:30 The cost of a lower credit score over time

10:00 How to raise your score: real, doable steps

13:00 Free, safe ways to check your credit score

15:00 How to set a credit goal and track progress

16:30 What’s a credit report and why you should check it annually

17:30 Final reminders + your weekly challenge

*Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.

Budgeting doesn’t have to be perfect—it just has to start. In this episode of the Female Finance Collective Podcast, Jen and Sybil dig into the emotional blocks that keep women from budgeting, the myth of doing it “right,” and what to do if you feel embarrassed, overwhelmed, or completely lost with your money. You’ll walk away with simple, empowering first steps (no shame allowed!) and the support you need to keep going.

Join the Community:

Connect with other women working toward financial empowerment. Learn, grow, and share your journey with us here.

We'd Love to Hear from You!

Do you have questions or ideas? Connect with us!

Instagram: @femalefinance.collective

Facebook, YouTube, Pinterest: Female Finance Collective

Timestamps:

00:00 Welcome to the Female Finance Collective

01:00 Why budgeting feels hard—and what most people get wrong

02:00 Emotional blocks: shame, embarrassment, and self-doubt

03:00 The myth of the “perfect” budget

04:50 Overcomplicating = procrastinating

06:00 Why tracking spending is step one

08:00 How to categorize spending and find patterns

09:00 Wants, needs, and future financial goals

10:30 Budgeting tools: notebook, spreadsheet, app—start where you are

11:00 Keep your budget visible and usable

12:00 No one “right” way—just what works for you

13:00 Find a money accountability partner

13:50 Call to action: Track your spending for one week

*Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.

Credit cards are everywhere, but do you really understand how they work? In this episode of the Female Finance Collective Podcast, Jen and Sybil break down the hidden cost of credit card debt, how APR really works, and why that “small” purchase might cost much more than you think.

We’re not here to shame you, we’re here to support you with simple truths, smart tools, and a warm, honest conversation to help you build your financial confidence.

Join our Community! Female Finance Collective is a supportive community with mentoring and resources to help women feel confident and in control of their money.

We'd love to hear from you!

Do you have questions or ideas? Connect with us!

Instagram: @femalefinance.collective

Facebook, YouTube, Pinterest: Female Finance Collective

Timestamps:

00:00 Welcome to the Female Finance Collective

01:00 Why we need to talk more about credit cards

02:10 How credit cards actually charge interest

03:30 What APR really means (and how it adds up daily)

07:00 The danger of only paying minimum payments

09:00 That $100 sweater? It probably cost you $116

11:30 Credit cards = little loans (that add up fast)

13:50 Don’t get tricked by the points and perks

15:00 The power of pausing before purchases

17:30 Can you actually afford it? Let’s be honest

19:00 How carrying a balance quietly stresses you out

20:45 Start tracking your spending and make a plan

22:30 Grace, awareness, and action—the way forward

Tired of impulse spending? Here's how delayed gratification can change your entire financial future.

In this episode of the Female Finance Collective podcast, Jen and Meri-Li dive into the power of waiting. From impulse buys to vacation plans and even home renovations, we explore how practicing delayed gratification helps you spend more intentionally, save more effectively, and feel more fulfilled.

Hear personal stories, practical strategies, and small mindset shifts that help you pause—and actually enjoy your purchases more while still working toward your big money goals.

Free Debt Calculator

Start your payoff plan today with our Snowball Debt Calculator:

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Join the Community:

Connect with other women working toward financial empowerment. Learn, grow, and share your journey with us here: www.skool.com/female-finance-collective/about

Let’s Hear from You!

Do you have questions or ideas? Connect with us!

Instagram: @femalefinance.collective

Facebook, YouTube, Pinterest: Female Finance Collective

Timestamps

00:00 – Meet Jen, Meri-Li & Sybil

00:59 – What is delayed gratification, really?

02:17 – Mary Lee’s story: impulsive spending and transformation

03:28 – Why your brain is wired to spend now

04:52 – The joy of dreaming vs. buying

06:00 – Jen’s real-life examples: wedding dress drama + weekend trips

07:16 – The 24-hour cart rule

08:07 – How to calculate purchases in work hours

09:24 – Delay now, boost your debt payoff

10:38 – Cup overload & money clarity

11:23 – Financial goals = motivation to wait

12:37 – Gratitude for what you already have

13:34 – Delay the big stuff too: cars, houses, renovations

14:58 – Budget-friendly yard updates and sweat equity

17:09 – Freshening your space without breaking the bank

18:56 – Why thrifting helps your brain and your budget

19:26 – The mindset shift: it’s not sacrifice, it’s strategy

20:18 – Books, plants & creativity as no-spend challenges

*Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.

If you’ve ever wondered, “Should I be saving right now or paying off my debt?”—this episode is your guide.

Jen, Meri-Li, and Sybil unpack one of the most common (and complicated!) financial questions women ask. They’ll walk you through real-life examples, mindset shifts, and simple frameworks to help you make the decision that’s right for YOU.

Whether you're juggling high-interest debt, trying to grow an emergency fund, or doing both, this conversation will help you feel less overwhelmed and more empowered to take action.

✅ Be part of our community!

-Grab our FREE Snowball Debt Calculator.

-Join our supportive $5/month community for women learning to manage their finances.

-Do you have questions or ideas? Connect with us!

Instagram: @femalefinance.collective

Facebook, YouTube, Pinterest: Female Finance Collective

Timestamps:

00:00 – Meet the hosts

01:00 – The #1 question: Save or pay off debt first?

01:30 – Why an emergency fund is step one

04:00 – Planning for life’s inevitable money bombs

05:20 – When debt payoff takes priority

07:00 – Reframing debt payoff as savings

08:10 – The power of cash flow and flexibility

09:40 – Can you do both? Balanced approaches that work

10:45 – Using percentages to decide how much to save vs. pay off

12:00 – Don’t forget taxes (especially if self-employed)

13:20 – How the 50/30/20 rule can help

14:50 – Final thoughts: You’re not doing it wrong

*Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.

Are you tired of the constant stress of debt? You're not alone. This episode is for YOU.

In this raw and honest conversation, Jen, Meri-Li, and Sybil discuss how debt impacts one's emotions, everyday decisions, and future wealth, and how paying it off frees up not only one’s wallet but also one’s peace of mind.

*Free Debt Calculator

Start your payoff plan today with our Snowball Debt Calculator workshop. Click here to register.

*Join the $5 Debt Payoff Power Circle

Get support, weekly calls, a group chat, and real accountability. Click here to learn more!

Do you have questions or ideas? Connect with us!

Instagram: @femalefinance.collective

Facebook, YouTube, Pinterest: Female Finance Collective

Timestamps:

00:00 - Meet the Hosts

01:00 - Why Debt Feels So Overwhelming

02:30 - The Hidden Cost of Credit Cards

04:00 - Flip-Flops and 30% Interest?! A Real-World Example

06:00 - Why Minimum Payments Keep You Stuck

07:00 - How Debt Impacts Your Credit Score & Opportunities

08:30 - Opening Up Monthly Cash Flow

09:00 - The Emotional Benefits of Paying Off Debt

11:00 - How Debt Affects Relationships & Family

12:00 - Teaching Kids Financial Values

13:30 - The Power of Saying “No” with Confidence

16:00 - Practice Scripts to Say "I Can't Afford That"

18:00 - Living Your Values & Finding Freedom

*Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.