{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"How to Create Healthy Money Habits with Jewell Robinson","description":"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.\r\nAs 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.\r\nIn this episode, Jewell shares strategies to help you make smart money choices and get the most out of your tax refund.\r\nSpenders vs. Savers: 5 Different Money Personality Types\r\nJewell 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.\r\nMost people fit into one of these categories:\r\n\r\nNatural spenders – they spend practically all of their money\r\nNatural savers – they save practically all of their money\r\nSpend first, save later\r\nSave first, spend later\r\nPeople who don’t make conscious money decisions – they often find $20 here or there because they left it laying around\r\n\r\nHow To Change Your Money Habits\r\nThe first step is to acknowledge your habits.\r\nThe second step is to determine how you developed your money habits. Were they learned during your childhood, based on how your parents treated money?\r\nThe third step is to focus and be intentional about changing them.\r\nJewell’s Suggestions for Getting the Most Out of Your Tax Refund \r\n\r\nContribute to your retirement account.\r\nStart a medical expense fund for costs not covered by your health insurance.\r\nSet money aside for a well-deserved summer vacation.\r\nSet money aside to achieve a specific goal such as buying a home, graduation parties, buying a car, etc.\r\nDonate to your favorite charity.\r\nPay off credit card debt.\r\nStart a college savings fund for your children or for yourself.\r\nStart a savings account for your children.\r\nFinish an existing home improvement project or start a new one.\r\nContribute to your church fund, tithes, or missionary work.\r\nStart an investment fund.\r\n\r\nJewell 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.\r\nStart small, but just do something. Even if you have to start by saving $10 or $20 a month, that’s better than nothing.\r\nJewell Recommends That You Read:\r\nThe Retirement Miracle, by Patrick Kelly, a great read to get you into the “retirement mindset”.\r\nJewell’s Projects\r\nJewell 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.\r\nWhen you join her program, you’ll receive:\r\n\r\nA free consultation\r\nYour own personalized financial plan\r\nA plan that fits into your current budget and lifestyle\r\nSpending and Saving tips to keep you on track\r\nMonthly accountability check-ins\r\nAccess to your personal Financial Specialist for all questions and concerns\r\nFREE Financial phone app\r\nPersonal support to help you accomplish your goals\r\nMotivation to make and keep your goals for a complete lifestyle change\r\n\r\nContact Jewell to apply for admission into her program at 619-356-3232.\r\nWhere You Can Find Jewell Online\r\nLinkedIn: Jewell Robinson\r\nInstagram: @JRFinance\r\nTwitter: @JewellRobinson9\r\nJewell’s Parting Words of Wisdom\r\n“Don’t get overwhelmed when it comes to your finances. Take baby steps and you will eventually get there.” ~Jewell Robinson\r\nGet more tips and success strategies at http:\/\/momswithdreams.com. \r\n ","author_name":"Moms with Dreams Show","author_url":"http:\/\/momswithdreams.com","html":"