The Black Girl Budget Podcast focused on the wealth journey of black women, and goes beyond the numbers in our budgets. The BGB Podcast incorporates social capital, life experiences, and self reflection into the budgeting lifestyle as a means of creating a well rounded community of financially stable women.
Ep 58: Budgeting Wasn’t Optional
Over the past few months I've gotten thousands of new followers! I'm sharing the beginning of my budgeting journey and giving details on where my finances started in 2016! The budgeting experiences I've had are the foundation of Black Girl Budget content, Budget Reviews and Coaching services. Let me know how your budgeting journey started or is about to start in the comments. What are some of the lessons you've learned so far?
Buy Nikki a Hot Chocolate
Get a Budget Review
Get Budget Coaching
Subscribe to Black Girl Budget YouTube Channel
03/06/2023 • 16 minutes 36 seconds
S6E6: Negotiating College Tuition and Costs with Dr. Wright-Hamor
This season is a mix of collaborations and in-depth discussions on ways to create and reach our goals in 2023. Today we're talking with Dr. Wright-Hamor about the different ways you can negotiate college fees and use college as a business opportunity for your next venture. So let's chat!
04/03/2023 • 1 hour 2 minutes 33 seconds
S6E5: The 5 Money Languages
This season is a mix of collaborations and in-depth discussions on ways to create and reach our goals in 2023. Today we're talking about the five different money languages and how we can use them to our benefit. So let's chat!
1. What is a Money Language?
2. The Five Money Languages
3. The key to understanding your money language(s)
4. Shoutout to the BGB Community
5. Upcoming BGB Event
Register For Sisternomics Virtual Series, February 15th at 7pm
Get the How To Budget Course
Million Dollar Challenge Magazine
11/02/2023 • 20 minutes 35 seconds
S6E4:5 Questions To Ask Your Partner
This season is a mix of collaborations and in-depth discussions on ways to create and reach our goals in 2023. Today we're talking about five question you should ask your partner before finalizing your goals as a couple. Remember you're an individual as well so discuss your individual goals with your partner as well. So let's chat!
How To Budget Course: www.blackgirlbudget.com
Million Dollar Challenge Magazine: www.blackgirlbudget.com
29/01/2023 • 17 minutes 19 seconds
S6E3: How To Start Your Investing Journey With Andre Albritton
You know investing is important and can lead to wealth, but getting started can be challenging. Catch this week's episode with Andre Albritton, The Millennial Next Door, as we discuss how to get started on your investing journey. Especially if you're interested in investing in property, this episode is just for you as we discuss a great alternative to investing in physical property. Andre also gives us insight into his famed 'Bucket Approach' and you can incorporate it into your investing strategy.
Keep up with Andre via his Instagram and Website to learn more.
21/01/2023 • 31 minutes 58 seconds
S6E1: 3 Goals For 2023
Happy new year and welcome to Season 6! This season is a mix of collaborations and in-depth discussions on ways to create and reach our goals in 2023. Today we're talking about three goals you should set for yourself this year if you don't have any or haven't thought about your goals at all. Leveling up our life requires setting goals and intentionally executing them. So let's chat!
How To Budget Course: www.blackgirlbudget.com
Million Dollar Challenge Magazine: www.blackgirlbudget.com
21/01/2023 • 9 minutes 30 seconds
S6E2: Bridging The Gap Between Women and Crypto with Kendra Cole
Welcome to Season 6 of The BGB Podcast! In today's episode, we talk with Kendra Cole of The Crypto Mom App about the gender gap in Crypto. Although women are known to be better investors there is still a gap in the amount of women who invest in Crypto specifically. Whether or not you plan to invest in Crypto anytime soon, Kendra has the answers we need to even start a Crypto journey.
Kendra Cole on Instagram: @TheCryptoMomApp
Kendra Cole on TikTok: @TheCryptoMomApp
The Crypto Mom Website
Black Girl Budget: www.blackgirlbudget.com
Black Girl Budget Instagram: @BlackGirlBudget
Black Girl Budget TikTok: @BlackGirlBudget
14/01/2023 • 36 minutes 14 seconds
S5E4: 5 Versions of You For 2023
Welcome to season five of the Black Girl Budget Podcast! This season is all about preparing for your financial goals in the new year. In today's episode we talk about five versions that you can be in this upcoming year to get you closer to accomplishing your goals. We have to be different versions of ourselves in different parts of ourselves to better serve our needs. Today I am recommending five versions of you that may serve you well. So let's chat.
5 Versions of You:
1. Leslie Knope: Parks and Recreations
2. White Lotus: White Lotus
3. Wile E. Coyote: Looney Tunes
4. Adrian Monk: Monk
5. Mr. Johnson: Abbott Elementary
Talk to you next week!
10/12/2022 • 13 minutes 42 seconds
S5E3: Time, Money and Emotional Management
Welcome to season five of the Black Girl Budget Podcast! This season is all about preparing for your financial goals in the new year. In today's episode, we talk with Dr. LaNail Plummer of Onyx Therapy Group and Deana Kennedy of KennedyDean Coaching about Time, Money and Emotional management. This panel was part of the Mental Wellness Series held by Onyx Therapy. So let's chat.
03/12/2022 • 1 hour 5 minutes 43 seconds
S5E2: 4 Tips To Find Your Starting Point
Welcome to season five of the Black Girl Budget Podcast! This season is all about preparing for your financial goals in the new year. In today's episode we talk about where you should start. Often times, we know we're making money and we have goals, but can't put our finger on where exactly we should start. How much should we be paying for housing? How much should we spend on ourselves? How much should we save? Today we walk through examples of how determine the answer to each question. So let's chat.
- Review Your Housing
- Review Your Spending
- Review Your Emergency Fund
- Review Your Debt Elimination
* Bonus: Start Investing
Get your How To Budget Course Today!
Register For the Time, Money & Emotional Management Event<
12/11/2022 • 27 minutes 31 seconds
S5E1: 4 Lessons In Moving Back Home
Welcome to season five of the Black Girl Budget Podcast! This season is all about preparing for your financial goals in the new year. In today's episode we talk about the good news we received from a BGB follower! She's moving back in with her mom, and there are so many lessons that came to mind. I'm going over four specific things you need to keep in mind as you prepare for 2023.
- Leases vs Mortgages
- Setbacks vs Strategies
- Temporary Situations vs Long Term Goals
- The importance of being goal oriented
Get your How To Budget Course Today!
Register For the Time, Money & Emotional Management Event
Black Girl Budget Website
05/11/2022 • 39 minutes 40 seconds
S4E8: Season Review
Season fur was all about the different kinds of scams, schemes and predatory practices that have become common in the last few years. We're ending this season with a recap of each episode and a reminder to share the information you've learned with your friends and family. Season five will be here before you know it so make sure you subscribe to The Black Girl Budget Podcast!
29/10/2022 • 29 minutes 2 seconds
S4E7: Environments Shape Our Financial Perspective with Tremaine Wills
Season four is all about the various scams and frauds you need to be aware of while on your financial journey. In this season we will discuss scams, pyramid schemes, predatory practices and more. Today we’re talking about the ways in which our environment can shape our financial perspective with Tremaine Wills of Mind Over Money.
How does the lack of access to banking institutions in predominately black communities affect people?
Does being unbanked or underbanked to push black people to use more alternative financial services?
Examples of alternative financial services
Are cash-advance loans and payday loans predatory and if so, how?
Are these kinds of financial services common in predominantly black communities?
08/10/2022 • 29 minutes
S4E6: Financial Effects of Discrimination in Home Appraisals
Season four is all about the various scams and frauds you need to be aware of while on your financial journey. In this season we will discuss scams, pyramid schemes, predatory practices and more. Today we’re talking about the predatory practices and discrimination within the home appraisal process and the red flags to look for.
*Student Loan Update*
What is a home appraisal process?
How is there racism/bias/discrimination in the process?
What are the effects of racism/bias/discrimination in the home appraisal process?Predatory
Selling Homes at a Lower Values
How to recognize the red flags and what to do if you suspect discriminat
10/09/2022 • 38 minutes 4 seconds
S4E5: Is Your New Job Offer A scam?
Season four is all about the various scams and frauds you need to be aware of while on your financial journey. In this season we will discuss scams, pyramid schemes, predatory practices and more. Today we’re talking about Employment Scams and the red flags to avoid them. Submit your question to be discussed on the podcast or a story, here.
*Student Loan Update*
What is a job scam?
What are the different versions of job scams?
How do scammers make these jobs sound appealing?
What happens if you fall for a job scam?
What are the red flags?
How to avoid these scams?
This month’s newsletter was sponsored by Sand Dollar Soapery. Use code BGBPerk for a 10% di
03/09/2022 • 29 minutes 16 seconds
S4E4: MLMs and Pyramid Schemes: Paths to Wealth?
Season four is all about the various scams and frauds you need to be aware of while on your financial journey. In this season we will discuss scams, pyramid schemes, predatory practices and more. Today we’re talking about Multi-Level Marketing Companies and Pyramid Schemes and whether they're a path to wealth. Submit your question to be discussed on the podcast or a story of your experiences, here.
*Student Loan Update*
What is an MLM?
What is a Pyramid Scheme?
What are the differences between the two?
How do MLMs work?
Examples of MLMs
Who do MLMs target?
Are MLMs a way to become rich or wealthy?
Examples of Pyramid Schemes
28/08/2022 • 44 minutes 35 seconds
S4E3: Is Love A Scam?
Season four is all about the various scams and frauds you need to be aware of while on your financial journey. In this season we will discuss scams, pyramid schemes, predatory practices and more. Today we’re talking about Romance Scams also referred to as Dating Scams and the red flags to look out for. Submit your question to be discussed on the podcast or a story, here.
What is a romance scam?
What are some examples of romance scams?
Why do people fall for romance scams?
How to recognize red flags of romance scams?
When is enough, enough?
20/08/2022 • 32 minutes 20 seconds
S4E2:$29.8 Billion Lost to Phone Scams
Season four is all about the various scams and frauds you need to be aware of while on your financial journey. In this season we will discuss scams, pyramid schemes, predatory practices and more. Today we’re talking about the various kinds of phone scams that have stolen $29.8 billion dollars from victims. Submit your question to be discussed on the podcast or a story, here.
1. 30 Day Spending Challenge
2. Statistics on Phone Scams
3. Netflix Scam
4. Amazon Scam
5. Utility Scam
6. Free Gift Scam
7. Family Scam
13/08/2022 • 46 minutes 21 seconds
S4E1: Scams Are Nothing New
Season four is all about the various scams and frauds you need to be aware of while on your financial journey. In this season we will discuss scams, pyramid schemes, predatory practices and more. Today we’re talking about the origins and definitions of some of the most common scams we know of. Submit your question to be discussed on the podcast or a story, here.
Why should I care about scams?
What are scams?
The First Recorded Scam
What are Ponzi Schemes?
Why are they called Ponzi Schemes?
What is the difference between a Ponzi Scheme and Pyramid Scheme?
What’s the difference between a Pyramid Scheme and a Multi-Level-Marketing Scheme?
06/08/2022 • 26 minutes 31 seconds
Season 4 Trailer
Episode 1 drops on August 6, 2022. Subscribe to the podcast.
30/07/2022 • 1 minute 11 seconds
S3E13: A Season Recap
As Season 3 comes to an end today we recap the season and what we've learned so far. Season 3 gave us great collaborations and tips for the different tools we need along our financial journey.
Season 4 will start on August 6, 2022, so mark your calendars! I can't tell you what Season 4 will be about, but trust me you're going to love it. Sign up for the Premium Newsletter to be the first to get Season 4 details. Until next month, Happy Budgeting!
26/07/2022 • 30 minutes 24 seconds
S3E12: Who’s Holding You Accountable?
Season three is all about the financial tools you need in your arsenal. Today we're talking about accountability partners and why they're beneficial. Everyone should have one, or four, with appropriate expectations and boundaries. Today we get into:
- What is an accountability partner?
- What should I look for in an accountability partner?
- What should my expectations be?
- Why do I need one, or four?
- Should my partner be my accountability partner?
- How do I ask someone to be my accountability partner?
09/07/2022 • 26 minutes 9 seconds
S3E11: Are You Using Your Emergency Funds the right way?
Season three is all about the financial tools you need in your arsenal. I talk about emergency funds a lot, but the question is are you using yours the right way? Today we’re going to talk about when to use them, when not to use them and how to build them.
What is an emergency fund?
What’s the difference between an emergency fund and savings account?
What should I use my emergency fund for?
When should I use my emergency fund?
Where should I keep my emergency fund?
How much should I have in my emergency fund?
How do I build it?
02/07/2022 • 28 minutes 48 seconds
S3E10: Insurance Rules Everything Around Us
Season three is all about the financial tools you need in your arsenal. Insurance comes in many forms, and I’m sure we each need at least two types of insurance. So let’s get into the different kinds of insurance and what we should be on the lookout for.
House insurance and apartment insurance
25/06/2022 • 21 minutes 57 seconds
S3E9: 401(k)s Have Major Benefits!
Season three is all about the financial tools you need in your arsenal. Today we’re discussing all things 401(k)s. The benefits of 401(k)s are amazing and can really help along your wealth journey. Well be discussing:
What are 401ks?
What is the history of 401ks?
How do 401ks work?
Who can get a 401k?
What are the different kinds of 401ks?
What’s the difference between a 401k and an IRA?
Things to remember about 401ks.
18/06/2022 • 21 minutes 51 seconds
S3E8: Authorized Users Are Winning!
This episode is sponsored by Ash of @WhoAskedAsh (TikTok) who is known for discussing cults and cult adjacent groups with her Cult Community on TikTok! She doesn't advocate for joining cults and creates content from a purely educational and entertainment perspective. You can learn more about Ash's Weekly Cult Roundup by joining her newsletter, here.
Season three is all about the financial tools you need in your arsenal. Today we’re discussing all things authorized user tradelines. This is a free tool to use as part of your financial strategy to help close family and friends (and yourself if needed). I am excited to discuss these questions and the pros and cons with you!
What are credit tradelines?
What is an authorized user tradeline?
How can I use authorized users to benefit me or my family?
Do people really sell tradelines? Is it illega
11/06/2022 • 29 minutes 42 seconds
S3E7: What Are IRAs and Why Do We Need Them?
Season three is all about the financial tools you need in your arsenal. Today we're discussing another financial tool; IRAs. They are great investment vehicles to have and offer great tax advantages. We'll cover:
How did IRAs come about?
How do they work?
What is the difference between Traditional and Roth IRAs?
Who can get one?
Why would you get one?
When can you withdraw money for retirement?
Things to remember about IRAs
Don't forget to donate to Feed Buffalo to help the Masten Park Community that has been affected by the recent shooting there.
04/06/2022 • 25 minutes
S3E6: Are High Yield Savings Accounts Worth It?
Season three is all about the financial tools you need in your arsenal. Today we’re discussing all things High Yield Savings Accounts (“HYSAs”). In this episode, you’ll learn about HYSAs and the pros and cons. If you already have one, are you actively using it? Do you have a specific company you prefer to use? Let’s chat!
How did High Yield Savings Accounts start?
What are high yield savings accounts?
Who can get a high yield savings account?
What are the pros and cons of an HYSA?
Which companies have them?
Which company is BGB Preferred?
New Business and Questions From the BGB Community
Consider donating to Donate to Feed Buffalo to help the Masten Par
28/05/2022 • 28 minutes 23 seconds
S3E5: Maximizing Your Credit Card Rewards
Nia Bowman the "Shmoney Coach" (@TheShmoneyCoach) joins us today to discuss how we can maximize our credit card rewards and get that shmoney! While credit cards are often demonized they have benefits when used with discipline and strategy and Nia tells us just how to do it! From a $6 flight to free travel experiences, Nia gives us tips, tricks and so much more for maximizing rewards while budgeting!
21/05/2022 • 55 minutes 39 seconds
S3E4: Why Therapy is A Financial Tool
Today we discuss why therapy is a tool that can help us on our financial journey with Kandyce Garth of Kaleidos Counseling (www.KaleidosCounseling.com). After giving us her impressive background, Kandyce chats with us about ways to afford therapy, comping mechanisms for emotional spending, financial trauma and so much more. I also appreciate Kandyce for bringing awareness to the benefits of therapy for all walks of life.
21/05/2022 • 44 minutes 52 seconds
S3E3: Let’s Talk Staycations with Jeanetta Spencer!
This season we are all about the various tools that will help us with our financial journey and BGB is including Staycations in that arsenal! Too often we find ourselves budgeting, saving and investing and not giving ourselves a moment to enjoy. So today let's chat with Jeanetta Spencer about staycations and how we can fit them into the budget!
16/04/2022 • 23 minutes 10 seconds
S3E2: Enjoying Mexico
I'm currently enjoying my vacation in Mexico, but don't worry full episodes will resume next week.
- Happy Budgeting!
09/04/2022 • 42 seconds
S3E1: Financial Literacy Can Save You From Predatory Practices
We're starting the season off with a controversial tweet that went viral last month and go in-depth on how financial literacy is a tool that can literally save us money and afford us more opportunities. We touch on predatory loan practices, social media, debt management, interest rates, credit scores and so much more.
02/04/2022 • 34 minutes 44 seconds
S2E12: Stop Babysitting Your Finances!
I caught myself babysitting a balance on one of my credit cards for a few months and I HAD to take action! When I stopped babysitting the balance on that credit card my credit card score went up by 12 points! Here's your sign to stop babysitting your finances!
This is the last episode for season 2 and I will be back with season 3 in April!
- Happy Budgeting
19/03/2022 • 30 minutes 7 seconds
S2E11: Knowing When to Ask For Help
Needing financial help is more common than most of us think. At some point, we will all find ourselves in need of some kind of assistance which comes in various ways. In this episode, we discuss three signs that you need help and three tips for asking for help. As always, Happy Budgeting!
12/03/2022 • 21 minutes 35 seconds
S2E10: The Art of Saying No!
Have you ever found yourself in a financial bind because you loaned someone money? Or maybe you went on a trip you thought you could afford? Today we learn the art of saying NO and WHY we should say no.
05/03/2022 • 34 minutes 35 seconds
S2E9 The Reset! 5 Questions to Ask when Re-evaluating Your Goals
Are you starting to lose some enthusiasm about your goals? Let's talk about the reset! In this episode, we discuss the need to re-evaluate our goals by asking five simple questions that will allow us to reset where necessary.
26/02/2022 • 11 minutes 3 seconds
S2E8: Six Tips For Budgeting With Kids
Budgeting can be challenging when you have kids, but it doesn't have to be! Here are six tips to get your kids involved to and to start them on their financial journey.
19/02/2022 • 30 minutes 41 seconds
S2E7: Three Tips To Being Dedicated with Nika of Debt Free Gonna Be
Nika, of Debt Free Gonna Be, joins us on this episode to discuss being dedicated to the life we want and the journey along the way. Nika shares her story, journey, and future plans that are a true inspiration to anyone who may be doubting the possibilities! Take notes on Nika's three tips for being dedicated to the life you want.
12/02/2022 • 42 minutes 44 seconds
S2E6: There’s Food At Home with Jayde of Fork and Photo
Do you find yourself buying groceries and then ordering dinner right after you put those groceries up? Join us as Jayde, of Fork and Photo, shares tips on how to be excited about cooking at home to save our money and stick to our budget! Also, peep the salsa recipe she gives us!
05/02/2022 • 19 minutes 53 seconds
S2E5: Three Ways to Determine What You Can Afford
When we don't have money it's easy to determine when we can't afford something. It's when we do have money and we want something or want to go somewhere that we have to take an extra second to decide if we can truly afford it. Here's how you can do just that!
29/01/2022 • 22 minutes 8 seconds
S2E4: 3 Ways to Prioritize Your Financial Goals
We've started the year with a strong foundation for our financial goals and now we're going to prioritize them! Here are three ways you should prioritize your financial goals for this year to maximize peace and financial stability.
* Congrats to Bri for paying off all four of her credit cards!*
22/01/2022 • 30 minutes 51 seconds
S2E3: Four Ways to Quantify Your 2022 Goals
Setting goals is really important and allows us to navigate our road to success. Along that road we have to stop and measure our progress to make sure we're going in the right direction. Here are four ways to quantify your goals and measure your progress along the way! These tips will definitely help with January's Tip #2 from the newsletter ;)
15/01/2022 • 15 minutes 35 seconds
S2E2: 3 Ways to Recognize Fake Goals
Are your 2022 goals fake? If you're not sure, here are three to recognize if they are. Of course we'll go over tips to avoid creating fake goals and how to be as detailed as possible.
08/01/2022 • 22 minutes 49 seconds
S2: Episode 1: 5 Necessities for Financial Success in 2022
Financial Success requires you to put in some hard work and make challenging decisions, but it also requires some internal growth and boundaries as well. This year we're starting with the five things we need to get the success we want!
01/01/2022 • 31 minutes 8 seconds
Episode 13: 5 Ways to Organize Your Finances
It's the last episode of the year! And I can't believe it flew by so fast! Yet here we are. To prepare us for the new year, here are 5 ways to get your finances organized for the new year! In a few months, you'll notice how easy it is to engage with your finances!
18/12/2021 • 30 minutes 7 seconds
Episode 12: Black Women Are Worth More Than $5
This topic has been swirling around in my brain for a few months and we have to talk about it! We're discussing some statistics and data related to the net worth of black women (and white women for comparison). This data is to inform us. Not discourage or scare us. There are three tips on how to approach your net worth and a review of the BGB Net Worth Tracker that is now available!
11/12/2021 • 27 minutes 9 seconds
Episode 11: Can I Out Budget Debt? 3 ways To Tell
Of course, my favorite answer is, it depends! But hardly is that ever a satisfying answer. So in this episode, we start with three ways to tell if you cannot out budget debt. As a solution-oriented person you know I had to lay out five ways to actually out budget debt.
Not to mention I go over two major scams going around this holiday season that you should be aware of. Because who has time to lose money to a scammer while trying to get out of debt?!
04/12/2021 • 38 minutes 25 seconds
Episode 10: Pass the Wealth - 5 Things to Talk About During Thanksgiving
The holiday season is the best time to discuss finances, wealth, and goals with family and friends. Here are five topics to discuss over the Thanksgiving holiday that have NOTHING to do with when you're going to get married, have kids, or buy that new car. Happy Budgeting!
20/11/2021 • 15 minutes 30 seconds
Episode 9: Money Management Feat. Antoneth
Antoneth, of Fixing Your Finances (found on Instagram), joins us in Episode 9 to discuss the importance of Money Management. With a background as a bank teller and wealth manager, Antoneth gives us some great insight how we can manage money and the mindset we need to do it.
How's your money managment journey going? Drop a comment and subscribe!
13/11/2021 • 31 minutes 57 seconds
Episode 8: Attention Black Girl Luxury TikTok - 5 Tips for Creating a Luxurious Lifestyle
The topic of black women and luxury has been very popular during 2021 and does not appear to be going anywhere anytime soon. Here are 5 recommendations for creating a luxurious lifestyle on a budget.
06/11/2021 • 13 minutes 26 seconds
Episode 7: The Hardest Part
The most common is question I get is, "How do I start budgeting?" And honestly it is the hardest part because you will have change a few things to successfully budget and really understand your future goals. Here are 5 tips that helped me start budgeting, follow through and become disciplined.
30/10/2021 • 16 minutes 39 seconds
Billionaires, Basketball and Beauty! Oh My! with Jasmine Paul
Today Jasmine Paul and I discuss the achievements of Lebron James in his career on and off the court and the significance of his accomplishments. We even talk fashion and beauty with our fave, RiRi, becoming a billionaire! And this particular episode has a spell surprise, but the show must go on!
09/10/2021 • 40 minutes 6 seconds
Forgiving Yourself: 5 Tips to Get over Financial Mistakes
Here's a list of some of the financial mistakes the BGB Community has made! We're not alone is fumbling the bag so we HAVE to stop kicking ourselves! Here are 5 tips to move on
11/04/2021 • 17 minutes 28 seconds
Save The Little People: 5 Tips to Prepare Little People Financially
It's time to save and prepare the next generation for financial stability before they are out on their own. Some of us did not get the financial literacy, or finances, we needed as Little People, but we can change that for others! Here are 5 tips that can get you started.
04/03/2021 • 16 minutes 55 seconds
Outsourcing: 5 questions to ask yourself!
Whether its your personal or professional life you may need to outsource at some point. Outsourcing can be beneficial in both arenas! Here are 5 questions to ask yourself before you decide to outsource.
11/02/2021 • 17 minutes 9 seconds
Origin of BGB and Black Girl Luxury
During this episode I discuss the origin of Black Gurl Budget and the vision moving forward. I also touch on the topic of black girl luxury which has been trending lately. Looking forward to more episodes with you all!