Today, we're talking about harmony – that elusive balance we all crave in our busy lives.

As a mom, a business owner, and someone navigating the corporate world, I get it. The juggling act? It's real. But here's the thing: knowing when to stop juggling and focus our energy intentionally? That's the key.

In this episode, I'm getting real about my own journey. Yep, I'm spilling the beans on a major decision I've made – leaving my corporate gig to dive into the world of self-employment. Terrifying? Absolutely. Exciting? You betcha.

This shift is all about seeking new ideas, embracing flexibility, and fueling that creative fire. And guess what? With change comes... more change! I'm hitting pause on the Efficiency Bitch Podcast for a bit to make room for something fresh – a show geared towards helping small business owners master time and money management.

To my incredible listeners – thank you. Your support has meant the world to me. And hey, as we navigate these changes together, I promise one thing: valuable insights and actionable tips are on the horizon. So, stay tuned for the revamped podcast – it's going to be epic!

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Welcome to the Efficiency Bitch Podcast! Today we’re delving into the realm of connection with Nicole BZ. Nicole cut her teeth in small businesses, local economies, and optimizing 21st-century technology for visionary leaders. A die-hard fan of all things creative, connection, and community, BZ weaves her passions with her expertise empowering business owners and CEOs to make their dreams their reality. BZ has worked across the globe and industries, and is currently obsessing over Web3 and making NFTs the next big thing in your business.

During our conversation we talk about:

• Definition of business as taking yourself seriously
• The power of numbers in business and finance
• Scaling your business sustainably
• Imposter Syndrome and overcoming Challenges.

Whether you're a beginner or a seasoned pro, investing in what truly matters sets the stage for success. I urge you to identify your values and embrace the journey, emphasizing continuous learning and growth.

Resources:

Connect with Nicole BZ: https://www.nicolebz.com/

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In this episode of the Efficiency Bitch Podcast, host Melissa Leon interviews Melissa Mitt, a financial coach who helps women manage their money. They discuss Melissa Mitt's journey to becoming a financial coach after struggling with student loan and credit card debt in her 20s. She realized she needed to learn how to manage her finances after accepting her dream job but still struggling to make ends meet and stresses the importance of financial education, which many people lack growing up. She shares tips for people feeling overwhelmed with money, like journaling to identify sources of anxiety and thanking money when it comes in and goes out. Melissa Mitt explains common budget pitfalls like forgetting to account for irregular expenses and living off credit card float. She advises saving up for predictable expenses in sinking funds and trying spending only with debit for a month. Melissa Leon strongly cautions against credit card debt and interest. They discuss the concept of "pay yourself first" - putting savings away before spending on wants. Melissa Mitt explains this flips the mindset from saving leftovers to prioritizing savings. They stress the importance of providing for your future self.

Key Takeaways

Journal about finances to identify sources of anxiety.

Thank money when it enters and leaves to change mindset.

Save for irregular expenses in sinking funds.

Try spending only with debit to understand true expenses.

Credit card interest can lead to decades of debt.

Pay yourself first by saving before spending.

Provide for your future self now.

Focus on learning one money skill at a time.

Money management is a lifelong process, but we can make it less stressful by starting with small steps focused on areas we want to improve.

Connect with Melissa: https://melissamitt.myflodesk.com/organized/

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