March 4, 2025
Money Matters: How to Take Control of Your Finances
Join us for an insightful episode that dives into the world of personal finance and empowerment with Kathy Cuevas, a seasoned financial coach dedicated to helping women take control of their finances. Kathy shares her inspiring journey from financial chaos to achieving financial freedom and stability, equipping listeners with actionable strategies to navigate their own financial paths.
We explore the transformative power of budgeting—referred to as a “spending plan”—and how shifting your mindset around money can lead to growth and peace of mind. Kathy’s unique coaching tactics are designed to help individuals assess their spending habits, develop effective budgets, and ultimately create a savings plan that aligns with their life goals.
Throughout the episode, Kathy shares real stories from clients who have seen dramatic improvements in their financial situations, proving that it's never too late to make positive changes. You’ll learn practical tools and techniques that can be easily integrated into your daily life, as well as the emotional and psychological aspects of financial wellness that are often overlooked.
Whether you’re just starting on your financial journey or need support in navigating your current struggles, this episode provides invaluable insights that can guide you toward a brighter, more secure financial future. Tune in to transform your relationship with money and embrace a proactive approach to financial management.
Ready to start your journey? Reach out to Kathy for coaching support and let’s get you on the path to financial freedom!
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Love & Light - Keep Hope Alive
Chapters
00:00 - Introduction and Guest Introduction
10:30 - Kathy’s Financial Journey and Coaching Style
20:15 - The Importance of Budgeting and Saving
29:45 - Success Stories and Client Experiences
39:00 - Practical Financial Tips and Tools
50:00 - Contact Information and Conclusion
Transcript
WEBVTT
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Hello and welcome to Keep Hope Alive podcast.
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My name is Nadine.
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Today we got a special guest.
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I got Kathy Cuevas.
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I hope I said it right.
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Did I say it right?
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It's close, kathy Cuevas.
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It was slaughtered when I was a teacher, so it's like Miss C Miss.
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C is here in the house with us.
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She is a financial coach.
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She empowers women and we're going to dive into what she does and how she helps us and everything.
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But first, before we get started, I got a quick question for you.
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Okay, so out of the past year, how many weddings have you been to?
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Okay, so out of the past year, how many weddings have you been to the past year?
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None, none, okay, well, let's say, you and I got invited to a friend's wedding and we were walking into the ceremony part and to the right, there is something that we need to sign to let them know we were there.
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What are we signing the guest book?
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Them know we were there?
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What are we signing the guestbook?
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Yay, okay.
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Well, one of our biggest sponsors is Life on Record and what they do, instead of having a guestbook, they do a vintage rotary phone, which is really cool, so your guests can come up, pick it up, leave a message Congratulations on your big day, or maybe it's a groomsman saying it's about time you put a ring on her finger.
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Right next to that, they have a QR code that your guests can scan and they can leave a message on their mobile device, either before or after or a week after, it doesn't matter of their congratulations as well.
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And what they do is they burn all these messages either on a 10-inch vinyl records or you can put a habit on a keepsake speaker.
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They're personalized and very, very cute.
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I call it the gift of hearing voices, and it's a great concept.
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So you get to keep the phone number, you got to return the phone for one year, and their plans start at $99.
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Not only weddings.
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This can go for family reunions, corporate events, high school graduations, whatever collects that voice and that message.
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Check them out at wwwlifeonrecordcom.
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All right, well, kathy C got you down to the C.
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How are you?
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I'm a female who's gone from the bad side of finances to the fantastic side of finances.
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That is amazing.
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So let's see, take us through that journey.
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How and when did you know this is something you wanted to do with your life?
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primarily women, but I just kind of just stumbled into my lap.
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And then my last 13 years of teaching happened to be at a high school where they asked me to teach personal finance, and I just got really good at this.
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And just before that, though, even on my personal education, after my what would you call it, the dark hole, the abyss I was in financially, just struggling to get out, learning things along the way, I now have a sincere passion, especially for women, to help them either avoid what I did by knowing what not to like, the things I didn't do I should have, or how to help them get out of it much quicker than they would going through the whole school of hard knocks like I did, or even, as maybe more advanced topics, teaching them how to pick the better we do you call it like the funds they have a choice of through their employer on the 401k plan or 403B wherever they work at, or SCP plan of their self-employed entrepreneurs, to just anything finances, just helping them lead a better, stronger life and having the financial dream future that everybody deserves.
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And loves?
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Yeah, definitely, because I know I want to make more money and I should learn about my finances and how to do better.
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I mean, I struggle at times, but I just made a big decision in my life but it had to involve moving and I wanted to get that out of the way, because my goals later are to start saving up for my son's car.
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My son wants to go to college oh you, he wants to play more football.
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So I'm trying to create this wonderful life in good old Oklahoma now and start preparing for his future.
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Maybe it's me taking a step back, but I know I want to travel more, so, but that's good.
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So you're helping people, I guess, with the lessons.
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Are you doing them on Zoom?
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Is that how you're doing them, or?
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Right now I'm focusing on private coaching, one-on-one online, so it's just like you and me and then I'm also going to be having once I get a couple of people in there that are really eager to do it I'll start doing group, like extra time, with whatever coaching plan they choose.
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But you know, you mentioned something it's not about wanting to make more money.
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It's really about how much you save and how you spend what you do spend.
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It's not necessarily having to make more money, because somebody on a low income house can do just as well as somebody with a million dollars.
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Obviously, they can't invest as much as them, but if they do their finances right, within time they could be like that millionaire, which is exactly what I stumbled into without even trying.
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It just happened after my struggle.
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So your circumstances don't define you.
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You define you.
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Oh that's a good way to put it.
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Yeah, I never really thought of it like that, so you're teaching me right now.
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Well, we all make mistakes, but your mistake does not describe who you are.
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Everyone is not perfect, but if you stay on track, then yes, then you, you define who you are.
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I'm going to be successful, I'm going to lose weight, I'm going to do this, I'm going to do that.
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You decide that, but everybody has stumbling blocks in life.
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That gets thrown your way in the process.
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My goodness.
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So like I'm already intrigued, like how many lessons or times would I have talk to you like out of this session?
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Because I was like this is not a one time thing.
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I would need to talk to you probably 10 times to get on.
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Yeah, there's different plans I have, and it's definitely every week in a month.
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So, whether you need a little bit of help just to get in the way, then you do fine.
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Then you want to come back later on and do the same little help, or maybe do a longer help, or maybe you need you want to take care of everything now.
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Then I have up to a six month plan.
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It just depends on your needs and I would say in six months that's a lot of time, but then you definitely tackle more than one thing.
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You would tackle managing your money better and learning how to save for your son's car or this or that or a house, or you know.
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You'd learn all that and then you'd have this start to all of it.
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Then you could do it yourself after that If you continue on the plan.
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That is really cool.
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That is really really cool.
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So what has been?
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I don't, I don't.
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How do I ask this?
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What's the main struggle that you see with the clients?
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That is a repetitive one.
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There's probably two major ones.
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One you've heard the saying you get to the end of the month and you don't know where your money went.
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That's typically people that carry a lot of cash on themselves and pay, you know, $5 Starbucks, no-transcript, and really just they don't track us.
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They don't know where that money went.
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That's the hugest thing.
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The second thing is people that they want to have the car.
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Like you said, you want to save up for a car, you want to save for retirement, but you don't have a set plan.
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So that's where the budget comes in.
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And when.
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When I was teaching at school so cool.
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You know kids don't like the word budget, but everybody loves the word spending plan.
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Is that?
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Do you like to spend?
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That's better.
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A budget is telling your money where you want to spend it Got you we all love to spend you.
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Just it's the, it's your mindset.
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You make it positive.
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But to some people that word budget sounds like negative or my God, it's like a punishment, like a weight loss, like a diet or something.
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But it's not.
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You're physically telling your money where to go and once you get that mindset and you see how like if you show your separate savings accounts and I do spreadsheets for everything you can see how compounded can exponentially grow and how quick you can get to where you want to go, especially now that it's tax refund time.
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That's a big jumpstart to where you want to go, especially now that it's tax refund time.
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That's a big jumpstart to where you want to be.
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You see how quickly they will grow.
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And because I know, like I was, like whenever I get back for a tax refund and I made it a Christmas gift for my son I was like we're going to the beach and now that we moved it's a little bit different story.
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But like you got me thinking because the way I thought I could save a little bit more would be like, um, at Walmart they have those little box with the you know glass and it says travel adventure fund and so I've thrown my change in there in dollars and you know, until we get it gone up and up and then we use it for the trip.
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But sometimes I still want to dive in there Like I need help getting gas.
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So it's not the best way and I know it's a mindset thing and I see your face right now You're like shame on you.
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No, I'm thinking I can help you with that.
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First of all, you want your money to make money for you.
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You want it to work for you while you're sleeping, make money.
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And those little boxes at Walmart I haven't seen but that's a gimmick.
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How much interest are you making while it's sitting at home in that box?
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None.
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How easy is it for you to get into it if you want?
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Oh, we're going to go out to lunch with the girls or something, or my son needs this for football, right?
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It's too easy.
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So what I did every month I got as a teacher, I got paid once a month and it had to last for the whole month, and part of my plan was I had different savings categories.
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It's a spreadsheet I gave to my clients and I explained how to fill that all out and everything.
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And on the spreadsheet I had X amount going toward, like a percentage going towards my retirement account, a percentage going towards my emergency account, until that was fully funded, which is, I recommend, six to nine months of your living expenses.
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Because we all know what happened in COVID we were off work more than six months, except for me.
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But teachers, you know necessities or whatever you want to call them, but I saw the struggle in my students' families.
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So you have your savings, your retirement.
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You have your savings Beyond that.
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You have, like, your trip fund.
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I'm going to go to the beach, so you have a trip fund.
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So every month you put something.
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You dictate it because it's your spending plan.
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Do you want to put $50?
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And what I did is I had it go up to an online account.
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I use Ally and every and I had separate suffixes and Ally.
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So this much money went into my emergency fund.
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This much went into my car future car fund.
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Even though I paid off my car, I need another car.
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So it's just you just delegate.
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You tell it where to go, where you're going to spend it, and it's there for you and you get paid interest every month while you're doing it.
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I like that.
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I'm going to have to look at that and it's so funny because my ex works for Ally.
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I've got another trick for you too.
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Do you have time?
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Yes, I do, yes, I do.
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So you know about CDs, right?
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Yeah, okay, there's banks, and maybe not your own bank, but you can go online and find who's paying the highest, like by bankratecom, look who's paying the highest rates and cds.
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And once you have in your emergency account, right, or your car fund account, let's say you have two or three thousand dollars in there and you're you got a bigger goal right.
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In january or whatever month, you put a thousand dollars into a cd.
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February, put a thousand dollars into another one.
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March, thousand into a CD.
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February, put $1,000 into another one.
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March into a different one.
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So if you do six-month CDs and you get six months out, every six months, you have $1,000 or whatever come due.
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So if you have an emergency, you can take it out without penalty.
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In the meantime all the rest of them are making their money.
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But if you put all let's say, $5,000 or $6,000 into one CD and you need some money, you got to close the whole CD and you lose all the interest.
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There's a penalty of like a month in the rears.
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So that's why I say break it up.
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That way you're stagnant If you don't need it, then let it roll over.
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I set mine to automatically roll over and they send you notice email like it's maturing in next week.
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Then you can go back.
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All I say pay it into my savings account, pay it into this account or let it roll over.
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So that is really good idea.
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I like that All of them.
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That's what I do.
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Yeah, I remember and I still want to look into this and I can't say the company name, but when I had my daughter they were advertising like this towards your kids college, and I kept doing it.
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But over time I stopped getting mail and I was like where is that money right now?
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Like I have no idea.
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I saw it was collecting, it was in the hundreds, but it's like the whole company disappeared.
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So I don't know, Does that mean everybody?
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loses their money.
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If it was a legitimate bank or something, they should have been FDIC insured or credit union CUA insured, which means if they went belly up you get all your money back up to $250,000 per account.
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So you need to find out the organization.
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If they were insured by the FDIC Typical banks are FDIC.
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If it wasn't, then you're in a lot, but typically any.
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I don't recommend anybody put money anywhere that's not insured any.
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I don't recommend anybody put money anywhere it's not insured.
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Yeah, definitely, okay.
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Well, that is another lesson learned and everything.
00:14:09.948 --> 00:14:22.933
So tell me about a time that you helped a client and they just they took your advice and they are just a positive blow of light.
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I'm using my hands.
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Well, a recent one, and this just goes to show if you're just shown what to do, you've got the power to do it.
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I volunteered for actually let me back up a little bit Last October I went on a business conference in Atlanta for financial people this financial people conference and I happened to bump into this woman, really sweet woman, and told me about this thing, about helping people budgeting.
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I thought I can do that and I think I'll volunteer like once or twice.
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Right, it was a 10 week commitment and once I said I'm going to do it, I did it and actually I just finished a couple of weeks ago.
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This is an organization that's called Woman Money Matters and they help people anywhere.
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We did Zoom calls.
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My girl lived in, I want to say, I think, georgia or someplace actually I don't remember, but she lived back East and I'm in California and she had.
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She was low income, she had three kids.
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She wasn't married, the little one, they were like one, three and five all under five years old and she was struggling and she didn't have a car and her first goal was to eventually get a car and a house.
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So she's on food stamp, she's getting some financial aid, she does have a job.
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She's trying to pick herself up and get off that and everything else.
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And I gave her my budget sheet that I mentioned a little earlier, had her fill it out.
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She was going in the hole every month and I said and I told her be careful.
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I said, make sure you use accurate what you really spend on these things.
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And I think she probably intended to do it like she thinks she spends, but she was going in the hole.
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I said at this rate you're going to be bankrupt within three or four years.
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I said let's look at each item.
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So we spent our second meeting, or first meeting, second meeting, going item by item and I said do you really spend $25 a month on clothes on your kids?
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The older one can pass to the next one and so forth.
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Now I know the baby, they grow up fast and I know myself.
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I had a lot of hand-me-down clothes from my mom was a housekeeper and she worked for people who had kids around our age.
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So we got there which were nice clothes but they were like new to us and it's like better we could afford to buy.
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So I told her about her numbers and by the end of the second week or the third week, she was now saving $700 plus a month Just for learning and being told to see where she's putting her money at it's.
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You just have to see it in front of you and that's probably the biggest.
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She was like doing the freaking happy dance and I helped her.
00:16:45.869 --> 00:16:51.831
After that, I told her about doing the online car fund, so the money doesn't disappear into the blanket, and we talked about some people love the.
00:16:51.831 --> 00:16:54.283
Have you heard about the envelope system or the?
00:16:55.283 --> 00:17:01.691
Oh no, I mean I tried to envelope back in the day, but I don't think it did much for me.
00:17:02.831 --> 00:17:13.799
Well, there's people that love it now and they have my Amazon, they have Montemu no-transcript.
00:17:13.799 --> 00:17:23.586
To me that's good if you're disciplined and you don't live in a crime rate where someone's going to come in housebreaking and steal your binder with your money, and I believe in banking.
00:17:23.586 --> 00:17:28.751
But as you get a paycheck, that disciplines you to know I need to put this much and use it for cash.
00:17:28.751 --> 00:17:31.602
And then we taught her how to build credit.
00:17:31.602 --> 00:17:38.387
So she now knows when her score gets up to a certain level, then she's going to start applying for real credit cards not the secured ones and start to build a credit.
00:17:38.387 --> 00:17:39.909
So when she does buy that car.
00:17:39.909 --> 00:17:48.656
I told her about going to a credit union that if you have a bad score like my daughter did, your rates way up here, after a couple of months of making payments they drop your rate.
00:17:48.656 --> 00:17:50.101
Couple of months they drop, drop your account.
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And if you have the payments come out of your account, you're never late, you just make sure the money's there.
00:17:54.788 --> 00:17:58.555
So I taught her a lot of skills she needed for her future.
00:17:58.555 --> 00:18:01.507
She's off to a fantastic start, so I'm really happy for her.
00:18:02.167 --> 00:18:03.290
That is so good.
00:18:03.290 --> 00:18:07.542
That is so so good because I've seen the whole thing with the cars with me.
00:18:07.542 --> 00:18:15.670
I just have bad luck with cars and this is the first year I had to have a co-signer and I'm like this stinks.
00:18:15.670 --> 00:18:18.893
But I had hail, damage my tires.
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It was an accident.
00:18:20.134 --> 00:18:23.836
They were gone, the windshield cracked and it was huge.
00:18:23.836 --> 00:18:37.705
It wasn't going to pass inspection and I was just like you know, I tried to turn it in and they're like it's undriveable, like this is totaled, and I was like, oh my gosh, my baby, I love my Subaru.
00:18:37.705 --> 00:18:39.891
I was like I don't want to see this go.
00:18:39.891 --> 00:18:46.451
But for the first time they were like, well, you're upside down, unfortunately, is what they told me.
00:18:46.451 --> 00:18:49.804
So that's the first thing I want to do is fix that hole.
00:18:49.804 --> 00:19:03.069
Now I know I used I had a coworker back in the day say, oh, use Credit Karma, it will kind of give you that push also to kind of look and see what your scores are.
00:19:03.471 --> 00:19:06.442
And I did and it was motivational.
00:19:06.442 --> 00:19:15.214
I just got to get back to doing it and I was able to raise the score up to get my apartment and everything at the time.
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So I was proud of myself.
00:19:17.768 --> 00:19:31.249
It's just kind of getting back on that bandwagon of being in that positive energy and moving forward and really it's a mindset and what I liked about your bio and reading stuff.
00:19:31.249 --> 00:19:35.645
You call it a pathway and I want to get into that.
00:19:35.645 --> 00:19:37.281
I'm going to do a quick little commercial.
00:19:37.281 --> 00:19:38.183
How are we doing?
00:19:38.183 --> 00:19:40.148
I am like here squinting.
00:19:40.148 --> 00:19:41.330
I got new glasses.
00:19:41.330 --> 00:19:45.224
I'm just not used to them, so all right.
00:19:45.384 --> 00:19:51.819
So Snap Vans is one of our sponsors also and Snap Vans look like this right here.
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