Ditch The Budget Podcast

Ep. 064: Navigating Change

Tue, 11 Apr 2023 07:01:02 GMT

Going through a period of change can have so many impacts. Relationship change, financial change, job change, etc all can influence our money. Personally, the last 3 or 4 months I have experienced tremendous change and I'm sharing my top 3 tips that really helped me navigate this time. Especially in a time where the economy has changed SO much - hello interest rates and grocery prices, I'm talking to you!

Tune in and let me know what you think. Help more people discover The Ditch The Budget Podcast by sharing a 5 star review, posting a screenshot of your favourite episode in your stories and don't forget to tag me on Insta @heidirumohr

Hosted on Acast. See acast.com/privacy for more information.

Ep. 063: Money Dates

Tue, 22 Nov 2022 08:00:00 GMT

Talking about money can arguably be one of the most challenging aspects of any relationship. And let's face it, you likely grew up differently around money, think differently about money and sometimes even have seemingly different goals than your partner.

So what can you do? My solution are money dates. Tune into how I structure them and what I think are some keys to success...

*hint - its not to rehash the past!

Tune in and let me know what you think and if you aren't on my free Facebook community Women Building Wealth; A safe place for women to talk all things money - what are you waiting for?

Help more people find The Ditch The Budget Podcast! Leave a 5 star review, screenshot and share your favourite episodes in your stories and don't forget to tag me @heidirumohr!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 062: 3 Black Friday Traps to Avoid

Tue, 15 Nov 2022 08:00:00 GMT

Black Friday Deal

Buy now, pay later!

Sale, Sale, Sale.

Get ready because we are going to be bombarded with Black Friday and holiday spending advertising. You can either buckle up and spend unconsciously OR we can have a plan and feel really good this time of year.

Today’s episode is all about the top traps during Black Friday shopping and more importantly, what do about it!

I mentioned my masterclass “Manage Holiday Spending with ease” is currently FREE – make sure you find me on social media and DM me the word “HOLIDAY REPLAY” and I’ll send it to you for FREE! https://m.me/heidi.rumohr

Get access to exclusive content and never miss an opportunity to reach financial abundance when you join my Facebook Group: Women Building Wealth- a safe place for women to talk all things money

Help more people find The Ditch the Budget Podcast! Give a Five Star Review, screenshot and share in your stories- be sure to tag me @heidirumohr

Hosted on Acast. See acast.com/privacy for more information.

Ep. 061: Attract and Keep Money

Thu, 06 Oct 2022 08:00:00 GMT

I'm leaning into the woo for a moment-- hear me out---

What if money is energy?

What if money was a friend?

Are you 'welcoming' money into your home? into your life?

Or are you blocking from from entering the door?

In this week's episode I talk about the impact our money beliefs have on our current situations. I urge you to really consider your relationship with money. As always, I give you practical ways to improve your financial situation, for the long haul.

Get access to exclusive content and never miss an opportunity to reach financial abundance when you join my Facebook Group: Women Building Wealth- a safe place for women to talk all things money

Help more people find The Ditch the Budget Podcast!
Give a Five Star Review!
Screenshot and share in your stories- be sure to tag me @heidirumohr

Hosted on Acast. See acast.com/privacy for more information.

Ep. 060: Syncing Money with Your Cycle

Thu, 29 Sep 2022 14:27:00 GMT

This week, I'm looking closer at the way in which our body's cycle influences our behaviours and emotions around money. I'm not a medical professional, but I do have a depth of knowledge and experience in this area and find it fascinating.

Taking control of our finances means understanding all of the pieces that contribute to our habits and actions around our money.

Since Ep. 057: When Your Body Tells You to Spend, I've received a lot of dm's about this topic. So, in this episode, I'm also including the top questions I've received about money and our cycles.

What I love most about podcasting is providing the most relevant content to you, my listeners. I take inspiration from our conversations and your questions. So, let me know what's on your 'money mind'.

DM me @heidirumohr with your questions and reactions to this weeks' episode!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 059: Financial Abundance vs Scarcity Mindset

Wed, 21 Sep 2022 08:00:00 GMT

I dig DEEP this week into what it means to have an abundant mindset AND the strategies in how to get there.

Keeping an abundant mindset around finances is a journey. There are times that I need to reset and follow my own strategies. I believe there is enough money for everyone to have wealth. My increased financial success does not mean another's person's diminishes.

Listen in for detailed understanding of why mindset drives actions and how I implement

Affirmations
Visualizations
Gratitude

Inhale financial abundance. Exhale financial scarcity.

As always, I'm always here to help! DM Me @heidirumohr with your thoughts on financial abundance.

Did this episode resonate with you?

Give Ditch the Budget Podcast a 5 star rating!
Leave a review stating what you found helpful.

Hosted on Acast. See acast.com/privacy for more information.

Ep. 058: Capitalizing On Fall Energy

Tue, 13 Sep 2022 08:00:00 GMT

Fall is in the air! For me, that means a restart. It's almost like a new year for me.

This week, I share my tips on how to financially capitalize on this very special time of year and the energy shift from summer to fall.

As we near the last quarter of the year, it's a great time to take a look a our financial goals, evaluate our progress, and adjust our goals accordingly. While redefining our goals, we want to consider if these financial goals still align with how we want to feel. With those holidays approaching, we'll also want to get those sinking funds going to stay out of that debt cycle.

As always, I share strategies on how to do this. Remember, I'm always here to help! DM Me @heidirumohr with questions!

Did this episode resonate with you?

Give Ditch the Budget Podcast a 5 star rating!
Leave a review stating what you found helpful.

Hosted on Acast. See acast.com/privacy for more information.

Ep. 057: When Your Body Tells You to Spend

Tue, 06 Sep 2022 08:00:00 GMT

This week's episode is on a topic that just fascinates me- how our body's monthly cycles impact our spending! I'm taking all the things I've learned from my friend @meganrempel4 and applied them to what I've observed and experienced with spending money. Listen in to find out which weeks of the month you're more likely to spend money.

During one week especially, there are three questions I ask myself before I buy something- watch the reel @heidirumohr . These three questions help me pause and ensure my spending is in alignment with how I want to feel and how I want to be spending my money.

I'm also so very excited to share that my signature course is now available as a group coaching program. If you've ever had a call with me and just couldn't make the signature course happen, now's the time! DM me for more details! The first group session begins Sept 12- the current members are remarkable women that I can't wait to coach as a group.

Did this episode resonate with you?

Give Ditch the Budget Podcast a 5 star rating!
Leave a review stating what you found helpful.

Hosted on Acast. See acast.com/privacy for more information.

Ep. 056: Who Are You Buying This For?

Tue, 23 Aug 2022 08:00:00 GMT

This week, I get really vulnerable about current life events and my emotions surrounding them. Some deep reflections revealed that my current cashflow plan does not align with my core desired feelings of feeling energized, calm, and connected.

After reading The Year of Less by Cait Flanders for our community book club, I recognize that the clothes in my closet were bought for the woman I was- these clothes no longer fit me or my daily life. In fact, these clothes are restricting me from the life I want to live.

So, I'm taking my own advice- I'm investing in the person I am today so I can live the life of my dreams. Part of that means, buying clothing for the woman I am- in the body I have. Since my expertise is in cashflow plans, not style, I'll be investing in some time with @katieallenstylist for help.

Does this conversation around body image and money resonate with you? Be sure to join my FB community: Women Building Wealth- a safe place for women to talk all things money!

Did this episode resonate with you?

Give Ditch the Budget Podcast a 5 star rating!
Leave a review stating what you found helpful.

Hosted on Acast. See acast.com/privacy for more information.

Ep. 055: What Financial Gurus Aren't Telling You

Tue, 02 Aug 2022 08:00:00 GMT

Have you been listening to financial gurus for advice on how to get ahead and meet your money goals? I certainly have, and this week, I'm spilling the tea on what they are leaving out of their debt reduction and budget plans.

Like I always say, "Money is Emotional".

Did you find this episode helpful?

Be sure to take a screenshot and tag me in your stories! @heidirumohr
Give Ditch the Budget Podcast a 5 star rating!
Leave a review stating what you found helpful.

Looking to move past "surviving" financially to "thriving" financially?
Get access to exclusive content, live videos, and workshops.
Join the FB community: Women Building Wealth- a safe place for women to talk all things money!

Join my FREE Masterclass: "Reduce Your Financial Stress" or DM me for the recording after Aug 2, 2022.

Hosted on Acast. See acast.com/privacy for more information.

Ep. 054: Car Buying Tips

Tue, 26 Jul 2022 08:00:00 GMT

Wondering whether to pay in cash? Lease or buy? Terms of financing? I lay it all out in this week's episode. I even get real about my first car buying experience- sharing my mistakes so you don't make the same!

Before you think about buying your next vehicle, listen up for my 4 car buying tips you need to know!

Did you find this episode helpful?

Be sure to take a screenshot and tag me in your stories! @heidirumohr
Give Ditch the Budget Podcast a 5 star rating!
Leave a review stating what you found helpful.

Hosted on Acast. See acast.com/privacy for more information.

Ep. 053: Reduce Thriving Guilt in 3 Steps

Tue, 19 Jul 2022 08:00:00 GMT

In a recent conversation, my friend and I reflected on the past two years. There has been so much hardship, fear, and limitations in people's lives. I was downsized from my corporate job in 2019 which was devastating. Since then, though, I've been thriving in my business. There is guilt around this because I know so many other people who have struggled.

This week's episode dives into the three steps that I have used to reduce guilt I have around thriving financially so that I can step into the life that I dream about.

Money is abundant. When you have more, it doesn't mean that someone else has less. Listen in to this episode to hear more!

Did you find this episode helpful?

Be sure to take a screenshot and tag me in your stories! @heidirumohr
Give Ditch the Budget Podcast a 5 star rating!
Leave a review stating what you found helpful.

Hosted on Acast. See acast.com/privacy for more information.

Ep. 052: Travel Rewards Interview with Christina Slaback

Tue, 12 Jul 2022 08:00:00 GMT

Summer is here! Are you enjoying destination vacations or ready to start? You'll want to tune in to this week's episode all about travel rewards. Learn all the tips and tricks from my guest Christina Slaback who hasn't paid for vacation flights in over 3 years!

Listen in to find out what to look for, what to watch out for, and how to take advantage of all that travel rewards cards have to offer!

Connect with Christina @christinaslaback or through her website christinaslaback.com

Did you find this episode helpful?

Be sure to take a screenshot and tag me in your stories! @heidirumohr
Give Ditch the Budget Podcast a 5 star rating!
Leave a review stating what you found helpful!

Want to ensure that you have all of your travel costs covered for that next big trip? Book a call with me to get the most vacation for the least amount of money!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 051: Interest Rates & Mortgage Tips

Wed, 06 Jul 2022 08:00:00 GMT

Today's episode is inspired by the number of DMs I've received about recent news stories and media coverage about rising interest rates.

I'm taking this opportunity to share some of the research and knowledge I've gained since purchasing my first home. Catch me geeking out over mortgage renewals, interest rate negotiations, mortgage payments, how a mortgage broker can help you, and more!

Did you find this episode helpful?

Be sure to take a screenshot and tag me in your stories! @heidirumohr
Give Ditch the Budget Podcast a 5 star rating!
Leave a review stating what you found helpful!

Challenges in reaching financial goals are often rooted in complicated beliefs and feelings. This means that while you "know" what you need to do, actually implementing what you know can be difficult. You're not alone! Book a call with me to begin recession-proofing your finances today!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 050: 5 Ways to Thrive During a Recession

Wed, 29 Jun 2022 16:00:00 GMT

First off let me say, I'm not an economist. But- I do understand what a recession is and what inflation is. In today's episode I explain both of these concepts and how they are related.

Most importantly, I give you 5 ways to thrive during a recession. Some of these tips may surprise you! We want to consider how our fears and experiences impact the way we approach economic stress.

Did you find this episode helpful?

Be sure to take a screenshot and tag me in your stories! @heidirumohr
Give Ditch the Budget Podcast a 5 star rating!
Leave a review stating what you found helpful!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 049: Time Currency

Tue, 21 Jun 2022 08:00:00 GMT

Something that never feels abundant is time- how often are we wishing for more time? How often do we push aside things because we don't feel like we have enough time?

When we feel limited in our time- it certainly impacts our finances. This week, I get back to basics and talk about 5 ways to maximize that precious resource of time in a way that positively influences your finances.

If you found today's episode helpful,

Be sure to take a screenshot and tag me in your stories! @heidirumohr
Give Ditch the Budget Podcast a 5 star rating!
Leave a review stating what you found helpful!

DM me: MANIFESTATION @heidirumohr for a free gift!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 048: When You're Feeling Financially Low/Depleted

Tue, 14 Jun 2022 08:00:00 GMT

Being a small business owner, I've definitely felt the market shift of the last few months. There are days when money doesn't feel easy- and I need to intentionally take actions because I feel so financially low or depleted. In this episode, I get real and vulnerable while navigating one of these moments.

Listen in for my four tips on what to do when you're not quite feeling your financial situation.

If you found today's episode helpful:

Be sure to take a screenshot and tag me in your stories! @heidirumohr

Give Ditch the Budget Podcast a 5 star rating! Leave a review stating what you found helpful!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 047: Short Term Goal- Big Financial Impact

Tue, 07 Jun 2022 08:00:00 GMT

Sometimes we can allow the, "If I can't do it perfectly, then I'm not even going to start," mentality to keep us from taking the smallest of steps that will have the biggest of impacts.

If I had stayed in that mindset, this recording wouldn't even have existed! I recorded next to our fish tank- and instead of waiting for the perfect space, I hit record so I could share today's episode with you!

Just as there was power in hitting record, there is so much power in just 10 or 20 dollars.

Listen in as I share with you how impactful it is to utilize 10 dollars effectively! Check out this compound interest calculator to help your understanding.

If you found today's episode helpful:

Be sure to take a screenshot and tag me in your stories! @heidirumohr

Give Ditch the Budget Podcast a 5 star rating! Leave a review stating what you found helpful!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 046: 4 Ways to Change Your Money Habits

Wed, 01 Jun 2022 08:00:00 GMT

It's time to move into inspired action.

The last few episodes have built up to manifesting the dream life. The most important part of creating the life of your dreams is to take action.

Recently, I discovered James Clear's Atomic Habits. In this work, he discusses 4 laws of behavioral change. These have been an essential resource in creating change in my own life.

In this episode, I apply the four laws of behavioral change to creating change in your money habits and start taking action towards that life you dream about.

Before you take action, you need the vision! My What Wealthy Woman Do Online Course can help you get there.

If you found today's episode helpful:

Be sure to take a screenshot and tag me in your stories! @heidirumohr

Give Ditch the Budget Podcast a 5 star rating! Leave a review stating what you found helpful!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 045: Walking Into Your Dream Life

Wed, 25 May 2022 08:00:00 GMT

Last week, I talked about the steps I take to manifesting the life I want. In case you missed it, check out Ep. 044: 3 Steps to Manifesting Your Dream Life.

In this episode, I'm focused on YOU. Here are the steps to creating your own manifesting process and begin walking into the life you dream about.

Manifesting is SCIENTIFIC not magic- you are using the power of your brain to take action toward opportunities that align with the life you want to create.

For starters, you need to have a vision of the life you want. Not sure what that is? Check out my online course: What Wealthy Women Do

If you found today's episode helpful,

Be sure to take a screenshot and tag me in your stories! @heidirumohr
Give Ditch the Budget Podcast a 5 star rating!
Leave a review stating what you found helpful!

Get a leg up on your journey of manifestation- Join my FREE workshop: Money Manifestation with me, Heidi Rumohr! The live workshop will be Tuesday, May 31. The replay will be sent out for those that can't make it :)

Hosted on Acast. See acast.com/privacy for more information.

Ep. 044: 3 Steps to Manifesting Your Dream Life

Tue, 17 May 2022 16:00:00 GMT

Last week, I talked about what manifesting is and what it isn't. In case you missed it, check out Ep. 043: Manifesting is Bull$h!t.

This week- I'm taking you through the three steps I've used to manifest the life I have and to manifest the future of my dreams. Your financial goals are achievable. Manifesting will help you reach them.

Our brains are powerful! Help your brain process what it means to be successful and create the life of your dreams!

If you found today's episode helpful,

Be sure to take a screenshot and tag me in your stories! @heidirumohr
Give Ditch the Budget Podcast a 5 star rating!
Leave a review stating what you found helpful!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 043: Manifesting is Bull$h!t

Tue, 10 May 2022 15:10:00 GMT

I'll admit-- 5 or 6 years ago, I thought manifesting meant sitting a circle, closing your eyes, and singing. I thought manifesting was total bull$h!t.

Now- I spend time manifesting every morning- It's part of my daily routine and helping me reach toward bigger goals than I could have imagined at that time.

What changed? I discovered what manifesting actually is- listen in to today's episode as I dispell common myths about manifesting and explain what it is and why it works.

If you found today's episode helpful,

Be sure to take a screenshot and tag me in your stories! @heidirumohr
Give Ditch the Budget Podcast a 5 star rating!
Leave a review stating what you found helpful!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 042: Are You In Scarcity Mode?

Tue, 03 May 2022 06:00:00 GMT

I had so much fun on social media when I shared a story about wanting to make over 500K this year. The responses were eye opening not about my own goals, but about the way others view themselves and their money.

I'm recognizing more and more the impact of having a scarcity mindset. Because that's the place that I believe many of the trolling comments on my story originated. When we believe that an abundance of money is 'not for me', 'never going to happen', or a level of wealth 'is just not possible', it impacts the way we treat ourselves, the way we treat our money, and the way we treat others. Financial healing is a real thing- and I'm here to help with that.

In this episode, I offer two tangible ways to move out of scarcity mindset and into an abundance mindset. Listen in and start making moves today!

If you found today's episode helpful,

Be sure to take a screenshot and tag me in your stories! @heidirumohr
Give Ditch the Budget Podcast a 5 star rating!
Leave a review stating what you found helpful!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 041: Facing Challenges in Reaching Financial Goals

Wed, 27 Apr 2022 06:00:00 GMT

This week, I explore 4 common challenges that my clients face when working to reach their financial goals.

Boundaries and Control
Getting Aligned with Spouse/Partner
Establishing Sinking Funds
Overwhelm: Struggling to Take the First Step

Listen in for tips and techniques to clear these challenges to reach your financial goals!

If you found today's episode helpful,

Be sure to take a screenshot and tag me in your stories! @heidirumohr
Give Ditch the Budget Podcast a 5 star rating!
Leave a review stating what you found helpful!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 040: Defining Your Financial Goals

Wed, 20 Apr 2022 08:00:00 GMT

Up this week in the Spring Clean Series, I take you from last week's episode on reflecting about where you're starting from, to beginning to define your goals.

Begin with,"How do you want to feel?"

This is where financial literacy often fall short- we assume money is logical. Really, in order to reach your goals, you'll have to change your behavior. This is why money is so emotional. The way we spend, save, act or avoid action with money- is all rooted in our emotions and beliefs.

Setting and reaching financial goals is hard work, and not every one is willing to do this work. If you are willing and just need help getting started, be sure to send me a DM with the word "clarity" to @heidirumohr . We will get started together!

If you found today's episode helpful,

Be sure to take a screenshot and tag me in your stories! @heidirumohr
Give Ditch the Budget Podcast a 5 star rating!
Leave a review stating what you found helpful!

Are you ready for a Deep Spring Clean Finance Session? Book a call with me today!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 039: Start Where You Are

Tue, 12 Apr 2022 06:00:00 GMT

We're still Spring Cleaning Our Finances. The last episode, "Success Is Inevitable" focused on beliefs around finances. This week, Start Spring Cleaning Your Finances- WHERE YOU ARE. Listen in for some guiding reflection questions that will help you take notice of your current financial reality. Start. Where You Are. Tell me where you're starting from!

Send me a DM @heidirumohr

If you found today's episode helpful,

Be sure to take a screenshot and tag me in your stories! @heidirumohr
Give Ditch the Budget Podcast a 5 star rating!
Leave a review stating what you found helpful!

Are you ready for a Deep Spring Clean Finance Session? Book a call with me today!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 038: Success Is Inevitable

Thu, 07 Apr 2022 17:00:00 GMT

Springtime is a messy season where I live. Melting snow, rain, dead grass, and remnants of winter make a muddy mess. But spring is also the season to plant seeds that will grow into the flowers of summer and the harvest of fall. Spring is the season to recognize your financial potential and create conditions for growth.

Money is abundant.

Your success is inevitable.

Now is the time to spring clean your finances, challenge your money beliefs, and relinquish the taboos.

If you're ready to get muddy to get successful,

Book a Clarity Call with me!

For more information about money stories, money conversations, and how to spring clean your finances,

Find me on Instagram @heidirumohr

If you found today's episode helpful, be sure to give a 5 star rating!
Leave a review stating what you gained!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 037: Money Clutter Pt. 2

Tue, 29 Mar 2022 06:00:00 GMT

"Which came first, the money belief or the money clutter?"

I explore this age-old 'which came first' question because our money beliefs and money clutter are so intertwined. Our beliefs impact our emotions thus impacting our actions.

This week, I talk about two money beliefs at the forefront of my personal financial history that also often appear in my clients as well.

1. Money is a taboo topic- we shouldn't talk about it

2. Money is hard.

Consider how you want to feel- are your money beliefs impacting the way you feel or the actions you are taking in your own life?

Do you have a cashflow plan to know how much money is coming in and how much money is going out?

Are you ready to talk about your money without being 'judged'?

Book a Clarity Call with me!

Hear more about my money stories and experiences-

Find me on Instagram @heidirumohr

If you found today's episode helpful, be sure to give a 5 star rating! Leave a review stating what you gained!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 036: Money Clutter

Thu, 03 Mar 2022 07:00:00 GMT

This episode introduces a complicated subject: Money Clutter.

As I reflect on my money history, I often felt unsafe about 'money'. Can I really afford this? What happens if I lose my job? I would wait until the last moment to pay bills- though, always 'on time'.

Learn more about what money clutter and some initial steps you can take to de-clutter your finances in this week's episode!

Are you ready to talk about your money without being 'judged'? Book a Clarity Call with me!

Here more about my money stories and experiences:

Find me on Instagram @heidirumohr

Join my Facebook Group! Fitness and Finance

Looking to work with me further? Check out my "Fix Your Finances" course

And remember to catch the next episode of Ditch the Budget! If you love it, be sure to leave a review!!

The Transcript for this episode is available!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 035: Cashflow Confessions: Empowerment in Money Dates

Thu, 24 Feb 2022 07:00:00 GMT

The first "Cashflow Confessions" episode is with Brianne MacKenzie, host of The Get Sh*t Done podcast.

This episode is jam packed with Ditch the Budget sweetness beginning with a discussion about money mindset. Brianne reveals that she and her husband are both "justifiers" and how that impacts their communication.

Want to know your money mindset? Be sure to book a call with Heidi!

We get an inside view on how their communication has improved through weekly Money Dates!

Read that again. Their relationship has improved by talking about money!

Listen in to learn how!

Are you interested in making this happen but need some support? Book a Wealth Audit with me!

Find me on Instagram @heidirumohr

Join my Facebook Group! Fitness and Finance

Looking to work with me further? Check out my "Fix Your Finances" course

And remember to catch the next episode of Ditch the Budget! If you love it, be sure to leave a review!!

Transcript for this episode is available!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 034: Increase Investments with Money You Didn't Know You Already Have

Thu, 17 Feb 2022 07:00:00 GMT

Be sure to listen in this week for a strategy to increase your retirement investments and increase your tax refund all with money you didn't even know you already have!

This week, I walk you through how to use Wealth Simple to increase your RRSP contributions --- deadline is fast approaching!--- and calculate your new tax refund amount!

Are you more of a visual learner? I've got you covered! I'll be sharing a video walkthrough of this process in my IG @heidirumohr stories. Also, I'll be posting the video in my "Fitness and Finance" Facebook group. Be sure to join if you haven't already.

Are you interested in making this happen but need some support? Book a Wealth Audit with me!

Find me on Instagram @heidirumohr

Join my Facebook Group! Fitness and Finance

Looking to work with me further? Check out my "Fix Your Finances" course

And remember to catch the next episode of Ditch the Budget! If you love it, be sure to leave a review!!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 033: Money Milestones

Wed, 09 Feb 2022 07:00:00 GMT

Saving for retirement seems to be one those things that we put on the back burner. It feels like a faraway, magical land that we may or may not every really get to- unless you're talking to someone who is right in front of it.

In today's episode, I talk about the reasons why 'saving for retirement' just doesn't work for many people.

What if we chose something different? Something just as responsible, but much more accessible.

Let's build some "Money Milestones": financial goals that work for your lifestyle that you don't have to wait 30 years to high five about. Let's make it easier and guilt-free to spend your money with ease, to live a life that you deserve and that you're earning, but not in jeopardy of your future self.

Want to begin implementing these strategies in your own life? Book a clarity call with me!

Find me on Instagram @heidirumohr

Join my Facebook Group! Fitness and Finance

Looking to work with me further? Check out my "Fix Your Finances" course

And remember to catch the next episode of Ditch the Budget! If you love it, be sure to leave a review!!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 032: Going from Two Incomes to One

Tue, 01 Feb 2022 07:00:00 GMT

Whether you are going through a relationship change, job loss, or making a life change, going from two incomes to one can be a difficult transition. Make it easier by defining your financial goals, auditing your expenses, and making a cashflow plan.. Learn more in this episode. Want to begin implementing these strategies in your own life?

Book a clarity call with me!

Find me on Instagram: https://www.instagram.com/heidirumohr

Find me on Facebook: https://www.fitnessandfinance.ca

Looking to work with me further? www.fixyourfinancescourse.com

And remember to catch the next episode of Ditch the Budget!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 031: Hustle Culture

Wed, 26 Jan 2022 16:30:00 GMT

Rewriting our money stories allows us to spend our time, energy, and WORK in alignment with living the life we want.

Money doesn't have to be 'hard'. Working more doesn't equate more wealth.

In this episode, I give you insights into how money can be 'easier' for you to think about, for you to 'earn', and for you to 'enjoy'.

Want to begin implementing these strategies in your own life?
Book a clarity call with me!

Find me on Instagram: https://www.instagram.com/heidirumohr

Find me on Facebook: https://www.fitnessandfinance.ca

Looking to work with me further? www.fixyourfinancescourse.com

And remember to catch the next episode of Ditch the Budget!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 030: Passive Income Basics

Thu, 20 Jan 2022 22:00:00 GMT

If the last two years have taught me anything, it's that we need to take control of our finances.

Creating channels of passive income will allow you make money without trading your time.

Step 1: What are your interests? passions?

Step 2: Share your knowledge: could be an e-book, self-paced course, a checklist

Step 3: Sell it in your sleep!

Did you love this episode? Want to learn more?

Book a clarity call with me!

Find me on Instagram: https://www.instagram.com/heidirumohr

Find me on Facebook: https://www.fitnessandfinance.ca

Looking to work with me further? www.fixyourfinancescourse.com

And remember to catch the next episode of Ditch the Budget!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 029: 5 Steps to Success in 2022

Fri, 14 Jan 2022 20:13:38 GMT

It's December 31st, 2022, and you've reached all of your goals. You're feeling satisfied and proud of all that you've achieved in 1 year and looking forward to the next steps in 2023.

What does that look like for you? What are the goals you have for self, family, money, relationships, work, and home?

In this week's episode I give you 5 steps to repeat weekly so that you can actively take steps to reach your goals by the end of this year!

Did you love this episode? Are you ready to start prioritizing your time and finances?

I'm here to help!

Book a clarity call: bit.ly/bookwithheidi

Looking to work with me further? www.fixyourfinancescourse.com

Find me on Instagram: https://www.instagram.com/heidirumohr

Find me on Facebook: https://www.fitnessandfinance.ca

And remember to catch the next episode of Ditch the Budget!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 028: Why Did It Happen FOR You? 2021 Reflections

Tue, 04 Jan 2022 07:00:00 GMT

Whether you sank, survived, or thrived in 2021, this week's episode reflects on the lessons from the year.

Without toxic positivity, consider why the events in the past year happened FOR you? What can you take away from the past 12 months?

If you're looking for tangible way to utilize the lessons you've learned and create an actionable plan for 2022, be sure to join the workshop: Practical Approach to Financial Goal Setting on Jan 11, 2022.

Book a clarity call: bit.ly/bookwithheidi

Looking to work with me further? www.fixyourfinancescourse.com

Find me on Instagram: https://www.instagram.com/heidirumohr

Find me on Facebook: https://www.fitnessandfinance.ca

And remember to catch the next episode of Ditch the Budget!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 027: Does Debt Matter?

Tue, 28 Dec 2021 07:00:00 GMT

Are you in debt?

The answers I get to this question always surprise me.

Often, when people have a mortgage or car payment, they still answer "no".

In this episode I explore the ways our minds classify debt in order to keep us 'safe' around money. And ultimately, does debt really matter, anyway?

If this episode resonates with you, you'll definitely want to follow up with me!

Book a clarity call: bit.ly/bookwithheidi

Looking to work with me further? www.fixyourfinancescourse.com

Find me on Instagram: https://www.instagram.com/heidirumohr

Find me on Facebook: https://www.fitnessandfinance.ca

And remember to catch the next episode of Ditch the Budget!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 026: Healing Money Trauma

Tue, 21 Dec 2021 07:00:00 GMT

Do you have past experiences that you just can't let go of?

Perhaps you lost your home as a child or a partner was dishonest with spending and put you in a financial crisis.

Listen in for a strategy that works with my clients to release and forgive your past money trauma for a healthy financial future.

Book a clarity call: bit.ly/bookwithheidi

Looking to work with me further? www.fixyourfinancescourse.com

Find me on Instagram: https://www.instagram.com/heidirumohr

Find me on Facebook: https://www.fitnessandfinance.ca

And remember to catch the next episode of Ditch the Budget!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 025: How Good Can It Get?

Tue, 14 Dec 2021 07:00:00 GMT

Do you allow yourself to truly answer the question-- "How Good Can It Get?" Or do you begin to picture an answer and stop yourself?

What glass ceilings are you maintaining in your own life that prevent you from dreaming with infinite possibility?

In this episode, I share the glass ceilings I've created and where they originate. I also talk about what I'm doing to break through them.

How good can it get? I can't wait to start making that magic happen with you!

Book a clarity call: bit.ly/bookwithheidi

Looking to work with me further? www.fixyourfinancescourse.com

Find me on Instagram: https://www.instagram.com/heidirumohr

Find me on Facebook: https://www.fitnessandfinance.ca

And remember to catch the next episode of Ditch the Budget!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 024: Beliefs Drive Wealth

Tue, 07 Dec 2021 07:00:00 GMT

Dreaming of the life you'd have if money weren't an issue?

Money actually might not be what's keeping you from living that life you're seeing.

Likely, beliefs around money and wealthy are driving your actions -or- inactions to achieve.

This episode focuses on the power behind believing your success is possible for YOU.

Do these ideas resonate with you? Are you looking to push past the beliefs that are limiting your success?

Book a clarity call: bit.ly/bookwithheidi

Looking to work with me further? www.fixyourfinancescourse.com

Find me on Instagram: https://www.instagram.com/heidirumohr

Find me on Facebook: https://www.fitnessandfinance.ca

And remember to catch the next episode of Ditch the Budget!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 023: Managing Emotions -not- Money

Tue, 30 Nov 2021 07:00:00 GMT

Reaching financial goals requires more than just a roadmap.

In this episode, I get real about what it takes to stay grounded in your goals and tackle the obstacles on the financial roadway. It's less about the destination, and more about WHY it's so important for you to get there.

Do you find that unforeseen roadblocks or detours derail your financial success and leave you feeling lost?

Book a clarity call: bit.ly/bookwithheidi

Looking to work with me further? www.fixyourfinancescourse.com

Find me on Instagram: https://www.instagram.com/heidirumohr

Find me on Facebook: https://www.fitnessandfinance.ca

And remember to catch the next episode of Ditch the Budget!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 022: When Your Spouse Spends Secretly

Tue, 23 Nov 2021 09:00:00 GMT

In this episode, I tackle a topic that affects almost everyone with joint financial goals: what to do when your spouse or partner spends money without telling you!

With these 6 tips, you'll know what to do and what to avoid when your spouse or partner is a secret spender. You'll even have a strategy to keep you both on in financial alignment.

"If you've ever been in a situation where your spouse dropped a lot of money and you're pissed off, I'd love to hear how you handled that."

Book a clarity call: bit.ly/bookwithheidi

Looking to work with me further? www.fixyourfinancescourse.com

Find me on Instagram: https://www.instagram.com/heidirumohr

Find me on Facebook: https://www.fitnessandfinance.ca

And remember to catch the next episode of Ditch the Budget!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 021: Becoming a Wealthy Woman

Tue, 16 Nov 2021 07:00:00 GMT

This is it.

This is the moment you start becoming the woman you dream about.

In this episode, I provide four steps to begin your journey of becoming the woman you envision when you hear "wealthy woman".

To continue your work, get your tickets to my workshop, "What Wealthy Women Do" on Nov 18, 2021 at noon. There will be a replay video available if you cannot attend live.

Are you seeing this after Nov 18, 2021? No worries; I'm here to help you on your unique journey in obtaining wealth.

Book a clarity call: bit.ly/bookwithheidi

Looking to work with me further? www.fixyourfinancescourse.com

Find me on Instagram: https://www.instagram.com/heidirumohr

Find me on Facebook: https://www.fitnessandfinance.ca

And remember to catch the next episode of Ditch the Budget!

Hosted on Acast. See acast.com/privacy for more information.

Ep. 020: 5 Ways You Can STILL Reach This Year's Money Goals

Tue, 09 Nov 2021 07:00:00 GMT

In this episode, I provide 5 +2 bonus steps to reaching your money goals THIS YEAR!!

You won't want to miss this guide to reaching your money goals through the holiday season.

Ditch the Budget.

Book a clarity call: bit.ly/bookwithheidi

Looking to work with me further? www.fixyourfinancescourse.com

Find me on Instagram: https://www.instagram.com/heidirumohr

Find me on Facebook: https://www.fitnessandfinance.ca

Hosted on Acast. See acast.com/privacy for more information.

019: Costly Behaviours

Wed, 03 Nov 2021 14:09:29 GMT

In this episode, I talk about how we can manage some common spending behaviours that cost us.

If you justify spending with the word 'deserve' or 'reward', this episode is for you!

Ditch the Budget.

Looking to work with me further? www.fixyourfinancescourse.com

Find me on Instagram: https://www.instagram.com/heidirumohr

Find me on Facebook: https://www.fitnessandfinance.ca

Hosted on Acast. See acast.com/privacy for more information.

018: Retail Therapy

Tue, 26 Oct 2021 06:00:00 GMT

Today, I talk about money and emotions.

Why does retail therapy make us feel so good?

It's a question we can ask ourselves to get to the root of what we seek when we emotionally shop.

Listen in for some tips and strategies to mend the spend and stick to your cashflow plan so you can...

Ditch the Budget.

Looking to work with me further? www.fixyourfinancescourse.com

Find me on Instagram: https://www.instagram.com/heidirumohr

Find me on Facebook: https://www.fitnessandfinance.ca

Hosted on Acast. See acast.com/privacy for more information.

017: Your Money Stories Are Limiting You!

Wed, 31 Mar 2021 02:20:56 GMT

Watch that narrative playing in your head -- you know, the one that says "I'm broke" the one that repeats "I can't get out of debt" or "I'm not good at math so I'll never be a good investor".

It's time to change that money story! In this episode I share how to do just that!

Looking to work with me further? www.fixyourfinancescourse.com

Find me on Instagram: https://www.instagram.com/heidirumohr

Find me on Facebook: https://www.fitnessandfinance.ca

Hosted on Acast. See acast.com/privacy for more information.

016: Joint or Separate Accounts?

Thu, 18 Mar 2021 16:28:06 GMT

When I work with my clients that are in a relationship, the inevitable question comes up - should we have joint or separate accounts?

I'm diving into this question on today's episode and I would love to hear what you think. Screenshot the episode...tag me in your stories @heidirumohr and let me know -- do you have joint or separate accounts!

Get out of debt: https://rumohrfinancialservices.mykajabi.com/fix-your-finances

Find me on Instagram: https://www.instagram.com/heidirumohr

Find me on Facebook: https://www.fitnessandfinance.ca

Hosted on Acast. See acast.com/privacy for more information.

015: Arguing with your honey about money?

Wed, 10 Mar 2021 04:00:24 GMT

I started off sharing the 3 reasons you are likely arguing with your significant other about money...but ended up sharing 5 LOL.

Have a listen, screenshot and tag me in your stories @heidirumohr and tell me what you think of this episode!

Fix Your Finances Course: https://rumohrfinancialservices.mykajabi.com/fix-your-finances

Find me on Instagram: https://www.instagram.com/heidirumohr

Find me on Facebook: www.fitnessandfinance.ca

Hosted on Acast. See acast.com/privacy for more information.

014: Should I consolidate debt into my mortgage?

Fri, 05 Mar 2021 20:31:54 GMT

Mortgage rates are low -- so should you use the equity in your home and consolidate some of your debt into your mortgage?

The answer is not cookie cutter - and there is another side to this that NO ONE is talking about!

I want to connect with you! If you want to work with me, check out my signature course here or connect with me on social media:

Fix Your Finances Course: https://rumohrfinancialservices.mykajabi.com/fix-your-finances

Find me on Instagram: https://www.instagram.com/heidirumohr

Find me on Facebook: www.fitnessandfinance.ca

Hosted on Acast. See acast.com/privacy for more information.

013: Common tax refund mistakes

Fri, 26 Feb 2021 02:18:02 GMT

You are getting a tax refund - GREAT! But now...are you making this BIG mistake?

Tune in to find out what it is and also how to use that money in the most efficient way according to what YOU want!

Hint -- I give you my saving to spending ratio!

February enrollment in my Fix Your Finances Course is almost over! Grab the spot remaining spots here: https://rumohrfinancialservices.mykajabi.com/fix-your-finances

Find me on Instagram: https://www.instagram.com/heidirumohr

Find me on Facebook: www.fitnessandfinance.ca

Don't forget to take a screenshot and tag me in your stories -- I want to hear from you! Also, drop a 5 star review for a chance to be featured on the podcast!

Hosted on Acast. See acast.com/privacy for more information.

012: RRSP vs. TFSA

Wed, 24 Feb 2021 03:05:17 GMT

What are the differences between a TFSA (tax-free savings account) and an RRSP (Registered Retirement Savings Plan)?
When should you use one over the other?

Today's episode does an overview of these two powerful savings vehicles in Canada - but if you want to dive in more, make sure you book in your free financial consultation here -- https://calendly.com/rumohrfs/15-mins-discovery-call

February enrollment in my Fix Your Finances course is coming to a close and there are 2 spots left! Snag yours today here --> https://rumohrfinancialservices.mykajabi.com/fix-your-finances

Find me on Instagram: https://www.instagram.com/heidirumohr

Find me on Facebook: www.fitnessandfinance.ca

Hosted on Acast. See acast.com/privacy for more information.

011: Sinking Funds

Thu, 18 Feb 2021 05:00:00 GMT

Are you ready to have your mind blown? Yes, sinking funds can absolutely change your finances and VERY QUICKLY.

This episode is the Cole/Cliff notes of sinking funds. If you want to go further I have a workshop that you can grab for 25% OFF until Feb 28th, 2020 using code PODCAST25. For under $75 you can truly improve your financial picture! Start the car!

https://rumohrfinancialservices.mykajabi.com/offers/TTmNaLxM/checkout

Fix your finances course: https://rumohrfinancialservices.mykajabi.com/fix-your-finances

Find me on Instagram: https://www.instagram.com/heidirumohr/

Find me on Facebook: www.fitnessandfinance.ca

Hosted on Acast. See acast.com/privacy for more information.

010: Debt is payment over time

Wed, 17 Feb 2021 03:37:42 GMT

Have you ever felt like you are 'less' of a person because of your debt? Or that somehow your worthiness is tied to your bank balance?

Than this episode is for you! Diving into this little but powerful mindset shift that debt is really just payment over time.

For more information about Fix Your Finances, click here www.fixyourfinancescourse.com

Find me on Instagram: https://www.instagram.com/heidirumohr/

Find me in my Facebook community: www.fitnessandfinance.ca

Hosted on Acast. See acast.com/privacy for more information.

009: Save or Pay Off Debt?

Fri, 05 Feb 2021 02:37:15 GMT

Probably one of the top questions I get asked "Do I keep my money in savings or do I pay off debt?".

The answer is complicated unfortunately, and not a cookie cutter approach but join me in this episode as I go over how to figure that out and what makes the most sense for YOU.

Enrollment in my February Fix Your Finances course has begun! Click here for more information on how you can get a customized Cash Flow plan and Debt Repayment plan:

Also be sure to find and follow me on Instagram @heidirumohr and find my private community group for women Fitness & Finance.

I can't wait to hear what you think of this one!

Hosted on Acast. See acast.com/privacy for more information.

008: Emotional Spending

Mon, 01 Feb 2021 02:53:58 GMT

We all might know what emotional eating is...but what about emotional spending? I'm diving into this and the 3 key ways you can manage it and change your behaviour!

Also, doors are open for Fix Your Finances! This is a 6 week self paced course where we truly change and improve your financial picture. Increase cash flow, identify the root cause of spending, fill insurance gaps, implement sinking funds and most importantly pay off debt.

This is NOT a DIY course! While you set the pace and complete the modules at home on your time, we very much are doing this together, I'm guiding you through the processes and you will end up with your very own customized cash flow plan and customized debt repayment plan.

Interested in all the details? Click here to Fix Your Finances today!

Hosted on Acast. See acast.com/privacy for more information.

007: Money Leaks

Wed, 20 Jan 2021 05:26:01 GMT

I recorded this episode inside my private Facebook community for women Fitness and Finance (make sure to join!) and thought it was too good not to share with everyone.

If you can get a handle on your money leaks, you can literally change your financial picture.

Also, my signature course Fix Your Finances is open for enrollment and some very juicy bonuses are about to expire. If you are ready to take control of your finances than this is for you! Can't wait to see you there - https://rumohrfinancialservices.mykajabi.com/fix-your-finances

Hosted on Acast. See acast.com/privacy for more information.

006: Defining your financial goals are integral to your financial plan

Wed, 13 Jan 2021 04:33:14 GMT

Defining your short-term, medium-term and long-term financial goals will serve you in the long run....especially on those days when it feels like you just aren't getting ahead.

Want to continue the conversation? Join my free online community for woman on Facebook at www.fitnessandfinance.ca

And don't forget to screenshot this episode, tag me in your instagram stories @heidirumohr and let me know your financial goals! I would love to hear from you!

Hosted on Acast. See acast.com/privacy for more information.

005: How to stick to your New Years resolution to pay off debt!

Thu, 07 Jan 2021 17:49:29 GMT

Millions of people fail at their New Year Resolutions -- but WHY?

This episode is all about why the two most common resolutions, paying off debt and losing weight, may fail and some steps to make sure you actually reach your desired goal.

To register for the FREE Ditch The Budget Masterclass for women happening on January 11th @ 8:00pm EST. Click here to register for FREE - https://www.eventbrite.ca/e/ditch-the-budget-masterclass-free-online-event-for-women-tickets-134354809853

Hosted on Acast. See acast.com/privacy for more information.

004: Get Out Of Debt Part 2

Wed, 23 Dec 2020 16:00:02 GMT

Hosted on Acast. See acast.com/privacy for more information.

003: Get Out Of Debt Part 1

Wed, 23 Dec 2020 15:54:34 GMT

Hosted on Acast. See acast.com/privacy for more information.

002: 5 Elements Of A Successful Cash Flow Plan

Sat, 19 Dec 2020 00:14:02 GMT

Now that you know the elements of a successful cash flow plan, it's time to start making it!

Click to grab your free cash flow plan worksheet

Also don't forget to join my online community for women on Facebook called Fitness & Finance. Would love to see you there!

Hosted on Acast. See acast.com/privacy for more information.

001: Ditch The Budget

Sat, 19 Dec 2020 00:12:35 GMT

Hosted on Acast. See acast.com/privacy for more information.