New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to pre-order now

If you're overwhelmed by credit card debt or behind on payments, negotiating with your creditors can make a real difference.

On this episode, I walk you through how to confidently talk to your creditors, lower your interest rates, reduce monthly payments, and request temporary relief.

WHAT YOU'LL LEARN:

• What to say (including a sample script)
• What to ask for: lower rates, waived fees, hardship options
• What to avoid saying on the phone
• How to escalate when you're told "no"
• How to work with a nonprofit credit counselor
• How to protect your credit score during negotiations

AND SO MUCH MORE

Even if you're already behind, it's not too late. You can do this.

More Clever Girl Finance Resources:

❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe

❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books

❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages

❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog

❤ Follow us on Instagram: @clevergirlfinance

New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to pre-order now

Today, I'm breaking down 3 easy, beginner-friendly ways to invest outside the stock market.

Whether you're nervous about stock volatility or just want to explore other options, there are smart, accessible paths to build wealth that don't require buying shares.

WHAT YOU'LL LEARN:

• How to invest in your own business or side hustle
• Ways to grow your money with real assets (without buying a house!)
• Long-term investments that create lasting peace of mind and impact And more!

AND SO MUCH MORE

This video is for you if, you're looking to diversify how you build wealth or you're curious about low-barrier ways to grow your money!

More Clever Girl Finance Resources:

❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe

❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books

❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages

❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog

❤ Follow us on Instagram: @clevergirlfinance

New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to pre-order now

A lot of people think budgeting only works with a steady paycheck.If your income changes month to month (freelance, commissions, motherhood seasons), this episode breaks down the only approach that actually worked for me.

On this episode of the podcast, I'm breaking down how to budget when life keeps changing and your income isn't consistent. You'll learn practical, flexible budgeting strategies that help you stay in control of your money, even when your paycheck isn't predictable.

WHAT YOU'LL LEARN:

• How to create a baseline (bare‑bones) budget
• Why you should budget based on your lowest income months
• How to use a buffer account to smooth out income swings
• How to prioritize spending when money is tight
• Why sinking funds are essential for unpredictable expenses
• How to automate your finances without creating stress
• How to stay consistent, even when your income isn't

Inconsistent income doesn't mean inconsistent progress. With the right systems and mindset, you can build stability, reduce anxiety, and make steady financial progress, no matter how much you earn each month.

More Clever Girl Finance Resources:

❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe

❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books

❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages

❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog

❤ Follow us on Instagram: @clevergirlfinance