I Don't Do Budgets.

Hey, everyone! Today I'm talking to Deandra McDonald and did we have a conversation! Deandra is a teacher-turned-real estate investor who started buying property at the young age of 23. She was able to retire from her teaching at 28 to do rentals full time. Deandra drops SO many gems in our talk! She breaks down the steps that led to her investing at a young age as well as how to best manage your properties. She also shares so much about the ways in which she maximizes her profit margins while still providing affordable housing to her community. Deandra was a wealth of knowledge and so amazing to talk to! Hope you can learn as much as I did from her! SPONSORED BY PEERSPACE Peerspace is like Airbnb for activities and events. Peerspace allows you to book spaces for your next photo shoot, meeting, baby shower, party, workshop, pop up, training or even if you wanted to book a studio to record your music or podcast. Literally there’s a space for just about anything you can think of! Book your next event here: idon

Today I’m talking to Michael O. Benjamin, an engineer, speaker, and author. He literally walked us through step by step how he paid off $30K in one year!! He gave so many good tips on getting in control of your finances, and also gave us a peek into how he wrote his book “The Power of Yet”.  I took so much away from this conversation with Michael. Growth vs. Fixed Mindset, overcoming your fears, getting a mentor, believing, planning, executing… I mean do I need to keep going!? Let Michael and I know your top 3 takeaways by tagging us on social media. Also, if you grab Michael’s book, please let me know! I would LOVE to talk through the book with someone. :D  SPONSORED BY THE FINANCIAL FREEDOM PLAN WORKBOOK (use code: idontdobudgets): https://www.idontdobudgets.com/shop/the-financial-freedom-plan-workbook Social Media Info: Sign up HERE to get my FREE money tracker + Money Monday emails every week  Daily Greatness Referral Link: http://dailygreatnessusa.refr.cc/sierrahoward Michael O. Benjamin Website: https:

Sonia Lewis is CEO of an award-winning business, The Student Loan Doctor LLC. Sonia is considered the people’s expert for all matters related to student loan debt repayment, and has over 9 years of practical higher education and financial aid experience. The Student Loan Doctor LLC has been recognized as the first African American and woman owned student loan repayment company in the country. Sonia and I met back in September of 2018 at FinCon and I’m SOO excited to bring this episode to your speakers today.  I could’ve talked to Sonia for hours at a time. Her energy is like a magnet and she will have you laughing so hard! One of my biggest takeaways from this episode was to stay ready so you don’t ever have to GET ready. I know I say this all the time but it was such a validation to hear how Sonia was already set up to receive all of the new clients that came her way from The Shade Room! Now, I want you to share your top takeaways by tagging us both on Instagram! Social Media Info: Sign up HERE to get my FRE

One whole year! That’s how old the I Don’t Do Budgets show is, and today I’m taking some time to THANK YOU all for tuning in each week. Plus, I’m sharing the top tips I’ve learned for growing a podcast and business, from investing in it to just going for it. I’m also sharing details of the Daily Greatness Giveaway and some reviews from I Don’t Do Budgets listeners. As always, tag me with your top three takeaways and let me know what you thought of this episode. SPONSORED BY: This week’s episode is brought to you by MailerLite. I’ve tried TONS of different email marketing platforms and MailerLite is by far my favorite. They make it super simple to start building your email list. As an I Don’t Do Budgets listener, you get 30 day FREE premium access by using this link: https://www.mailerlite.com/a/emzknw6ksf  Social Media Info: Sign up HERE to get my FREE money tracker + Money Monday emails every week I Don’t Do Budgets IG: @idontdobudgets  Email: hi@idontdobudgets.com  Website: www.idontdobudgets.com  Support t

Hey hey, everyone! We are only one episode away from the year anniversary of the I Don't Do Budgets Podcast! I'm so happy to have you all with me on this journey and I can't wait to share our anniversary episode with you all! This week on the show we talk to the founder of Black And Mobile, David Cabello. Black And Mobile is a delivery service that services Black-owned restaurants. Currently operating in Philadelphia, David talks about how he made tough choices in order to start his business and support his community. He talks about the importance of branding, promotion and building a following. David is truly a self-made man. He designed his own branding, and built his own website and delivery app. He breaks down how the delivery business works and what moves he's looking to make next. I loved David's determination and drive to succeed at all costs. I hope you can be motivated by our conversation! SPONSORED BY: MailerLite. I’ve tried TONS of different email marketing platforms and MailerLite is by far my fav

Hey, hey, hey! Welcome to our first show for the month of February. We’re just a couple of episodes away from the I Don't Do Budgets one year anniversary! On this week’s show I talk to Shakayla Houston, the founder of Sweet Greens Vegan. She is all about making positive changes and helping African-Americans understand veganism. I loved talking to her about how she turned her lifestyle change into a health conscious influencer brand that specializes in cookbooks, diets and more. The conversation we had was so fun and full of laughter. I found myself learning so much about how veganism doesn't have to be as difficult as it sounds. She is a wealth of information on vegan brands, alternative meals, and more. If you’re looking for info on how to eat vegan cheaply or how to navigate family dinners with food restrictions, listen in! SPONSORED BY: MailerLite. I’ve tried TONS of different email marketing platforms and MailerLite is by far my favorite. They make it super simple to start building your email list, landin

I am ECSTATIC to be recording my first episode in my new Atlanta apartment… and even better, I’ve got a veeery special guest on the show today: my grandma! If you missed my Mother’s Day episode with my mom, check out Episode 14 after you’re done with this one. Today, my grandma and I are talking about what she learned about money growing up, and how she handled raising a large family and becoming a mother at sixteen. She is such a strong woman and hard worker, and even though our opinions on finance differ somewhat, we still have a lot in common!  Let me know what your favorite piece of advice my grandma shared by tagging me on IG @idontdobudgets! Social Media Info: Sign up HERE to get my FREE money tracker + Money Monday emails every week I Don’t Do Budgets IG: @idontdobudgets  Email: hi@idontdobudgets.com  Website: www.idontdobudgets.com  Support the show here: https://bit.ly/IDDBPatron #IDontDoBudgets #IDDB

Byron Sellers and Sharnice Williams are a power couple that found themselves in the world of mobile home investing. In 2017, Byron was let go from his job and turned to driving for Lyft to make ends meet. While on that job, he discovered a podcast that opened his eyes to mobile home investing. After introducing the concept to Sharnice, the two began a journey that led to the founding of their company, Mobile Home Elite Investors. This was the first time we've had two people in the guest chair in the same show, so it was a really great and positive experience hearing their journey. I was floored by how quickly they were able to turn a profit from their mobile homes, making back more than three times their initial investment costs. I was so inspired by their journey it caused me to look deeper into mobile home investing myself. So sit back and enjoy this really awesome couple! Social Media Info: Sign up HERE to get my FREE money tracker + Money Monday emails every week Mobile Home Elite Investors site: https://

It’s the LAST episode of 2019! Wow. This podcast has been such a journey. Every single guest I had on the show was amazing, but I’m excited to share three of the top episodes with you all. I’m breaking down a little “behind the scenes” info on each one of them, and sharing some bonus insights that you may not have heard in the originals.  I also have a co-host this episode! My best friend Ivy interviewed me about how I did on my 2019 goals and what I have planned for 2020 (hint: BIG changes are coming!) If you enjoyed this episode and want Ivy to come back for her own interview, make sure to tag me on social and let us know! Hope you all have a very Merry Christmas - talk to you in the New Year! Episodes Mentioned:   Abu EP 13 https://podcasts.apple.com/us/podcast/013-how-to-use-facebook-ads-to-make-money-in-your-business/id1453408896?i=1000436962286 Wall Street Trapper EP 32 https://podcasts.apple.com/us/podcast/032-how-to-go-from-trap-to-wallstreet-w-wall-street/id1453408896?i=1000449353345 How I Got

Danielle Desir is an author, speaker, podcaster and the founder of The Thought Card, an award-winning affordable travel finance blog and podcast empowering people to make informed financial decisions - travel more, pay off debt and build wealth. Danielle paid off $63,000 of student loan debt in 4 years and purchased her first home at the age of 27.    Needless to say, we had a great conversation about personal finance, travel, and so much more! If you enjoyed this episode, be sure to tag us both on IG and let us know what you learned. Remember to check out the links below to support the show and learn more about this week’s guest!   Links Mentioned: Secret Flying https://www.secretflying.com/ The Flight Deal  https://www.theflightdeal.com/ Thrifty Traveler   https://thriftytraveler.com/ Scott's Cheap Flights  https://scottscheapflights.com/ I Don’t Do Budgets Shop https://www.idontdobudgets.com/shop-now Support with as low as $1/month here:  https://www.patreon.com/idontdobudgets    Social Media Info: Sign up

You are going to love this episode because Taryn and I just had a conversation as if we were just friends sitting on the couch talking about money! Taryn Bushrod is a financial coach that focuses on "behavioral finance", which is a field of study that uses psychology to help explain people's spending or investing habits. When talking with Taryn, we discussed the importance of how our childhood or early adulthood trauma can affect our relationships with money. By approaching our money matters from this angle we can get a better understanding of WHY we spend the way we do.    Taryn was such a pleasure to talk to… even after the episode was done recording we talked for an additional hour! I really enjoyed talking with her and I hope you enjoy some of the wisdom she brought to the show! Don’t forget to check out the links mentioned for more on the 2020 Money Planning Workshop and more.   AND go ahead and share this with a friend that you would love to have money conversations with, and don’t forget to tag me and

Stephanie Davis is a Certified Financial Educator, Real Estate Investor, and Creator of Finances On Point - a financial empowerment blog and community dedicated to helping women create wealth starting where they are, using what they have. Her mission is to empower women to become discipline with their resources so that they can achieve financial freedom, create generational wealth, and live life on their terms. She believes that EVERYONE can achieve wealth, you just need the right plan. I learned so much from speaking with her about real estate investing and smart money habits in today’s episode! Be sure to tag us on Instagram if you enjoyed it. Resources:  Stephanie provided some AMAZING resources throughout the episode and I have provided some of my favorite real estate investing resources as well.   Click HERE to get Stephanie’s Quick Start Checklist to real estate investing. She even lists some of her favorite real estate investing books! One of my favorite rental property management websites is iProperty

We all do it... Create money goals every year and struggle to achieve them. Then as it gets to the end of the year, we say “2020 is going to be my year for real!” Listen… I don’t want you to start the New Year off with the same goals as last year or with new goals without a plan. It’s time to take some action!  So today I’m going to give you 5 Things You Need to Do to Achieve Your Big Money Goals . I hope that after today’s episode you use these tips to actually achieve your money goals!  Sponsored By:  Amber’s Magical Saving Box:  http://bit.ly/ambersmagicalsavingsbox    Links Mentioned: 2020 Money Planning Workshop  http://bit.ly/2020MoneyPlanningWorkshop  Get $5 with my Rize link:  http://bit.ly/RizeSierraHoward  Sign up for my email list:  http://bit.ly/FinancialFreedomTracker  Social Media Info: I Don’t Do Budgets IG: @idontdobudgets  Email: hi@idontdobudgets.com  Website: www.idontdobudgets.com  Join: I Don’t Do Budgets Facebook Group #IDontDoBudgets #IDDB Support with as low as $1/month here:  htt

Faneisha "Fo" Alexander is a Certified Financial Education Instructor (CFEI) with a passion for helping women dump debt & build bank so that they can create the life that they want. She is a two-time author, speaker, and serial blogger, and is also the host of the Girl Talk with Fo podcast. Her story of paying off over $78,000 in less than three years took the Internet by storm. She's since been featured on MSN Money, Yahoo Finance, Bankrate.com, GOBankingRates, His & Her Money, The Penny Hoarder, Clever Girl Finance, and more! Don’t forget to check out the giveaway I mentioned in Episode 41. I’ll be announcing the winner on Christmas, so there’s still plenty of time to enter! Social Media Info: Fo Alexander Website: girltalkwithfo.com Girl Talk With Fo IG: @GirlTalkwithFo  I Don’t Do Budgets IG: @idontdobudgets Email: hi@idontdobudgets.com  Website: www.idontdobudgets.com  Patreon: https://bit.ly/IDDBPatron #IDontDoBudgets #IDDB

Rachael Hanible is the founder of Missing Peace Financial Group and author of Amber's Magical Savings Box, an Amazon Best Selling interactive children's book about learning and saving money. After becoming completely debt-free, saving a year's worth of income, and reaching a credit score of over 800, she decided to share tools and tips to help others do the same. Rachael has helped many people achieve their short term and long term financial goals that include saving for a home, paying off student loans and saving an emergency fund.    This episode is sponsored by the book, Amber’s Magical Savings Box. This book includes a savings journal, daily affirmations, and worksheets for children to track their money goals. And because I’m feeling the holiday spirit, I’m giving away two $20 Amazon gift cards away to two lucky winners. If you buy this book and send me a photo or tag me on social media that you purchased it, you will be entered in the giveaway!   Social Media Info: Rachael Hanible Website: www.rachaelha

Lindsay Bryan-Podvin is a financial therapist that helps couples make money something that keeps them together instead of pushing them apart. She is a trained mental health professional, and in that field she realized that money was a major reason behind mental breakdowns. In her business she helps clients come to grips with their financial stress and and use money as a positive force in their relationships.   It was so amazing to talk to Lindsay! During our conversation we had a mock session where we talk about some common money questions that people have in relationships. If you are talking about money matters with your partner, make sure Lindsay's episode is at the top of your list!       Social Media Info: Lindsay Bryan-Podvin YouTube: Lindsay Bryan-Podvin Mind Money Balance Website: https://www.mindmoneybalance.com Mind Money Balance IG: @mindmoneybalance I Don’t Do Budgets IG: @idontdobudgets  Email: hi@idontdobudgets.com  Website: www.idontdobudgets.com  Facebook Group: https://www.facebook.com/groups/

Welcome back to I Don’t Do Budgets! I’m so excited to bring you the fifth and final episode of the Black Women Investing series. Today’s guest is Shaquan Lopez, a Forex trading educator and owner of SLFX Trading. She began trading the Forex market 4 years ago. Before that, she worked in banking. Having a love for numbers, teaching, and now dealing with foreign currency, she began trading the foreign exchange market that most know as the Forex market. She brought SO much good information and cleared up so many misconceptions about Forex and trading. Tag us on social media if you enjoyed this episode!  I’m also excited to announce the Real Estate Summit is offering I Don’t Do Budgets listeners 50% off their tickets! You’re not going to want to miss this. Use code DONTDOBUDGETS here: https://the-key-resource.teachable.com/p/the-real-estate-summit-reloaded/?affcode=111210_gqcndm0b Social Media Info: Shaquan IG: @slfx_trading Shaquan Website: https://www.slfxtrading.com I Don’t Do Budgets IG: @idontdobudgets  Ema

Hey Hey! For the fourth episode in the I Don't Do Budgets Investing Series, I’m talking to investment and travel guru, Teri Ijeoma. Teri began her professional career working in education and non-profits. When she started trading stocks nine years ago, she initially saw it as an opportunity to supplement her income. She was so successful with this side hustle that in 2017, she decided to quit her job, travel the world, and begin trading full-time.Teri breaks down investing so well. She truly is a teacher! My favorite part of this episode was hearing about her worst trade and how she overcame it!       Remember to tag us on social and let us know your top three takeaways! If you know someone interested in investing, feel free to send this episode to a friend, too.   I Don't Do Budgets listeners can get 10% off of Teri’s Trade and Travel course: http://bit.ly/TradeandTravel   Social Media Info: Teri IG: @imaninvestor Teri Website: itradeandtravel.com I Don’t Do Budgets IG: @idontdobudgets  Email: hi@idontdobudg

We’re back with the third episode of the Black Women Investing series. This one is about a goal that I’ve had since I was 22. Do you remember on episode 2 when I talked about trying to apply for this real estate investing program and not knowing my disposal income!? ⁣⁣⁣ Well that’s when I decided that I had to get my life together if I REALLY wanted to invest in real estate. I calculated my disposable income and started saving $500/month and eventually increased it to $1000/month and so on. (This is why I preach knowing your disposable income!) I cut back on all the unnecessary shopping I was doing and started being intentional about my money!  Four years later I have my 1st rental property!!! It wasn’t an overnight process to jump into real estate investing, so I’m excited to share what I’ve learned during this process with you today. As always, be sure to let me know your top 3 takeaways from this episode by tagging me on social media @idontdobudgets and leaving a review on Apple Podcasts! Social Media Info

Courtney Richardson is an investing in cannabis expert. She is the founder of The Ivy Investor, which is a resource for women seeking to understand the maze of investing. She is also a tax attorney with a certificate in Estate Planning. Courtney’s legal and financial expertise has been featured in The Huffington Post, AOL, My Fab Finance, and Forbes. She was recently named as one of the 7 Black Millennial Financial Experts to Follow on Instagram in 2019 by Black Enterprise. Courtney was a fountain of knowledge in the world of cannabis investment, and I really hope you enjoy this episode! If you did, share it with a friend who needs some motivation and also, don’t forget to tag Courtney and I on social media with your top 3 takeaways!  Social Media Info: Save 20% on Courtney's Investing in Cannabis course using this link: http://bit.ly/theivyinvestor  Courtney Richardson Twitter: @theivyinvestor Courtney Richardson Instagram: @theivyinvestor The Ivy Investor site https://theivyinvestor.com I Don’t Do Budgets