A Money Novela
|We invoke the fullness and abundance of wealth and prosperity into our lives with the guidance of our new columnist Nathalia Segoviano.|
The high from making my money work for me.
Money is an energy. Nothing makes me feel more energized than buying something that I know won’t send me back into debt. How do I know? Because I plan for it. Every time I swipe my credit card, I stop to think about the cash I have sitting in various accounts. I have two checking accounts. One is my main checking where my direct deposits come in and the other holds my grocery and fun budget. Then I have a high yield savings account for my emergency fund and a separate high yield savings account for my sinking funds. A…
Your Money Questions Answered by Nathalia
How do I create a budget, stick to it and be consistent?
This is a common question I get and it’s honestly a little hard to answer because budgets look different based on people’s situations. But a good place to start is to read my first column here at Saint Lunita. I broke down how to start a budget and described the various budgeting methods you can choose from. Check it out here: https://saintlunita.com/2021/06/23/mi-historia/
You can see a real life example of my budget here: https://www.instagram.com/p/CIzMC_mg3jY/
I also have a budgeting highlight on my page where you can see the different kinds of budgeting methods, how they work and real life examples so you can find one that works for you. I also offer a financial literacy workshop that covers budgeting, saving, investing and credit building.
As far as sticking to a budget, that takes time and work! The first few months are going to be the hardest. But don’t let that deter you. Just like many things in life you will need to put in more time in the beginning to stick to your budget. This will mean tracking your spending, working your budget regularly and making changes as necessary. But once you find the right numbers and get used to it, it’s so easy! You can automate a lot of the work and you will have to do very little to upkeep it. Consistency comes with intentional practice. Make time every week to work on your money. If you need motivation, you can listen to money podcasts like So Money, YoQuieroDinero and Diversifying. Follow creators online like me 🙂
If you have any financial questions you would love to ask Nathalia, please submit them in the following form and she will try to address them in an upcoming edition.
Disclaimer: The advice offered herein, as well as any advice offered by email, phone or in person by Saint Lunita Magazine and it’s publisher Las Dras LLC, its employees, agents, principals, members successors and/or assigns is intended for informational purposes only. Use of the column, email or telephone to provide this advice is not intended to replace or substitute for any professional, financial, medical, legal, or other professional advice. If you have specific concerns or a situation in which you require professional, psychological or medical help, you should consult with an appropriately trained and qualified specialist. Any advice opinions or views expressed by Saint Lunita Magazine are not intended to treat or diagnose; nor are they meant to replace the treatment and care that you may be receiving from a licensed physician or mental health professional. Saint Lunita Magazine, its publisher Las Dras LLC, its employees, agents, principals, members successors and assigns are not responsible for the outcome or results of following any advice in any given situation. You, and only you, are completely responsible for your actions. Saint Lunita Magazine and Las Dras LLC accepts no liability for any situation in your life past, present or future.
Previous Luna Llena Articles
“We don’t talk about Money”
Just like the famous song We don’t talk about Bruno. In Latino culture we also don’t talk about dinero! For many years I fed into the lies of capitalism. I went to college with the promise of high paying opportunities waiting for me at the other end. I ended up working a miserable, shitty paying…
Mi Historia- Money Novela Part 3
In this season we celebrate death. I am celebrating the death of my debt. The death of the person I used to be and the habits that didn’t serve me. This month I laid the last of my credit card debt to rest. A total of $18,312.27. At the height of my debt, I was…
Mi Historia-Money Novela Part 2
On the last episode of this novela we talked about where to start with a budget. For many people, getting started is the hardest part. There are many fears that come along with working on your budget or financial plan. For some it might feel overwhelming, others may not want to see what they have…
Mi Historia- Money Novela Part 1
Hola. Mi nombre es Nathalia, and I am the in-house Financial Educator for Saint Lunita Magazine. By day I fight for indigent clients who are adversely affected by the criminal system, and by night I am a MONEY COACH. I am also: a wife to a loving and supportive husband, and a mother to a…