Do you hesitate before buying groceries, clothes for your kids, or something small for yourself, even when you can afford it? This episode explains why budgeting feels heavy, why spending feels emotional, and how to create a system that lets you spend without guilt while feeling safe, stable, and in control.

What You’ll Learn

1. Why money guilt is not a spending problem. It is a safety problem
2. Why traditional budgeting creates restriction, rebellion, and burnout
3. How to reframe a budget into a spending permission system
4. The three requirements for guilt free spending
5. How to separate survival money from choice money
6. Why fun money regulates your nervous system and builds confidence
7. How to build trust with money even when income is inconsistent
8. A simple weekly reset to create calm cash flow

Key Topics Covered

1. Why fear gets louder after divorce and how it impacts spending
2. How giving every dollar a job reduces anxiety
3. Why consistency matters more than perfection
4. How to stop second guessing every money decision

Resources and Links

1. Calm Cash Flow Workshop. January 7 at 3 p.m. Eastern
2. join here: Calm Cash Flow Workshop

Thank you for tuning into this week’s episode of I Date Money! 🗝🌬💖💸

Ready to stop feeling broke, guilty, and overwhelmed about money—even after divorce? Inside The Smell of Money, you’ll get the tools to rebuild financial stability, master your money mindset, and create a financial plan that finally feels simple. Whether you’re looking for smart investment strategies, clarity with your budget, or even how to start investing with just $100, this is where you’ll find the confidence and stability you’ve been craving.

Join The Smell of Money today: Click Here to join.

Click here to open your Business Checking with NOVO today.

Remember, it doesn't matter how much money you make; it's what you do with it

🗝️🌬️💖💸

Intro/Outro music "IDM" by Christa Lily

Budgeting does not hurt because you are bad with money. It hurts because it was taught to punish you. In this episode, Lisa breaks down why traditional budgets trigger guilt, restriction, and avoidance and how to replace them with a conscious spending plan that actually works.

What You Will Learn

• Why budgeting feels restrictive and emotionally painful
• The three reasons budgets fail and how to fix each one
• How to shift from restriction to priorities with your money
• Why paying yourself first is non negotiable in business
• How to stop using your budget as a report card
• The power of building in guilt free fun money
• How awareness, not avoidance, multiplies money

Key Moments

• 00:01 Why budgeting hurts more than it helps
• 02:27 Why most people always feel broke
• 05:25 Defining what “enough money” actually means
• 06:30 Budgeting from priorities instead of punishment
• 07:52 Paying yourself first in business
• 09:55 Creating guilt free fun money
• 11:33 Why entrepreneurs underprice programs and retreats
• 14:38 The seven day conscious spending challenge
• 16:00 When budgeting finally stops hurting

Join the Calm Cashflow Workshop today

Thank you for tuning into this week’s episode of I Date Money! 🗝🌬💖💸

Ready to stop feeling broke, guilty, and overwhelmed about money—even after divorce? Inside The Smell of Money, you’ll get the tools to rebuild financial stability, master your money mindset, and create a financial plan that finally feels simple. Whether you’re looking for smart investment strategies, clarity with your budget, or even how to start investing with just $100, this is where you’ll find the confidence and stability you’ve been craving.

Join The Smell of Money today: Click Here to join.

Click here to open your Business Checking with NOVO today.

Remember, it doesn't matter how much money you make; it's what you do with it

🗝️🌬️💖💸

Intro/Outro music "IDM" by Christa Lily

What if one unexpected medical emergency wiped out years of saving, not because you were reckless, but because you thought you were being smart. In this episode, Lisa breaks down why skipping health insurance is one of the most dangerous cash flow decisions you can make, and how to protect yourself without fear or confusion.

• The real cash flow cost of going uninsured
• Why “I can’t afford health insurance” is a dangerous myth
• A real client story that shows a $17,000 difference from one decision
• How insurance actually protects your savings, credit, and future
• Why confusing plans cause people to overpay or avoid coverage
• What to look for in coverage so you are protected when it matters

• 00:01 Why one bad day can destroy years of saving
• 00:38 The Calm Cash Flow Workshop invitation
• 05:11 Alex’s real-life wake-up call
• 06:53 Insured vs uninsured. A $17,000 difference
• 09:19 Why praying it away is not a plan
• 10:37 The real purpose of insurance
• 12:58 How confusing plans cause financial harm
• 15:04 How cash flow confidence creates stability

Insurance is not about fear. It is about strategy. One unexpected emergency should not erase everything you have worked so hard to build. Cash flow confidence comes from planning for risk before it shows up.

• Register for the Cash Flow Confidence Workshop for $37

Ready to stop feeling broke, guilty, and overwhelmed about money—even after divorce? Inside The Smell of Money, you’ll get the tools to rebuild financial stability, master your money mindset, and create a financial plan that finally feels simple. Whether you’re looking for smart investment strategies, clarity with your budget, or even how to start investing with just $100, this is where you’ll find the confidence and stability you’ve been craving.

Join The Smell of Money today: Click Here to join.

Click here to open your Business Checking with NOVO today.

Remember, it doesn't matter how much money you make; it's what you do with it

🗝️🌬️💖💸

Intro/Outro music "IDM" by Christa Lily