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How to Create Healthy Money Habits with Jewell Robinson
Jewell Robinson was inspired by her parents to dream big, think big, and do big. She earned a political science degree from the University of Georgia and has over 17 years of service in the United States Marine Corps.
As a Financial Specialist, Jewell’s daily mission is to educate people about the psychological reasons behind unhealthy spending habits and coach them into achieving financial security.
In this episode, Jewell shares strategies to help you make smart money choices and get the most out of your tax refund.
Spenders vs. Savers: 5 Different Money Personality Types
Jewell broke down the most common money personality types and why it’s important to know which one you are and how you developed your personal habits.
Most people fit into one of these categories:
Natural spenders – they spend practically all of their money
Natural savers – they save practically all of their money
Spend first, save later
Save first, spend later
People who don’t make conscious money decisions – they often find $20 here or there because they left it laying around
How To Change Your Money Habits
The first step is to acknowledge your habits.
The second step is to determine how you developed your money habits. Were they learned during your childhood, based on how your parents treated money?
The third step is to focus and be intentional about changing them.
Jewell’s Suggestions for Getting the Most Out of Your Tax Refund
Contribute to your retirement account.
Start a medical expense fund for costs not covered by your health insurance.
Set money aside for a well-deserved summer vacation.
Set money aside to achieve a specific goal such as buying a home, graduation parties, buying a car, etc.
Donate to your favorite charity.
Pay off credit card debt.
Start a college savings fund for your children or for yourself.
Start a savings account for your children.
Finish an existing home improvement project or start a new one.
Contribute to your church fund, tithes, or missionary work.
Start an investment fund.
Jewell reminds you to not get overwhelmed thinking about doing everything on her list. If you have bills that need to be paid, pay them first. Then make a smart choice about how you will allocate the rest of your tax return.
Start small, but just do something. Even if you have to start by saving $10 or $20 a month, that’s better than nothing.
Jewell Recommends That You Read:
The Retirement Miracle, by Patrick Kelly, a great read to get you into the “retirement mindset”.
Jewell’s Projects
Jewell has a 12- month complimentary program, where she provides financial education, goal-setting, and accountability. She’s currently looking for 50 people who are dedicated and committed to creating healthy financial habits.
When you join her program, you’ll receive:
A free consultation
Your own personalized financial plan
A plan that fits into your current budget and lifestyle
Spending and Saving tips to keep you on track
Monthly accountability check-ins
Access to your personal Financial Specialist for all questions and concerns
FREE Financial phone app
Personal support to help you accomplish your goals
Motivation to make and keep your goals for a complete lifestyle change
Contact Jewell to apply for admission into her program at 619-356-3232.
Where You Can Find Jewell Online
LinkedIn: Jewell Robinson
Instagram: @JRFinance
Twitter: @JewellRobinson9
Jewell’s Parting Words of Wisdom
“Don’t get overwhelmed when it comes to your finances. Take baby steps and you will eventually get there.” ~Jewell Robinson
Get more tips and success strategies at http://momswithdreams.com. 
 
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