Uploaded May 2023 | Updated September 2026, 1 hour ago

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After getting out of debt, Tawnya dedicated herself to help others do the same. She shares how to create a budget to help break free from living paycheck to paycheck. It's not always easy, but it's worth it.

We cover:
// The impact being broke has on your health.
// Why getting into debt is so common and normalised.
// The first steps you need to take to get out of debt.
// Budget fluctuates.
// Is it an income issue or a spending issue?
// What can you afford, how much should you spend on rent? Plus other % to know based on your income.
// Out of the box ideas to get out of debt.
// Why people relapse into debt.
// Should everyone have a budget?
// How to still enjoy yourself when budgeting and saving money.
// What is an emergency fund and what should it be used for?
// Her thoughts on the F.I.R.E. movement.
// How your past with money doesn’t have to equal your future.
// Why buying a house is not always the best financial option.
// Should you buy a new car or a second hand car?

Am taking a little break (more details shared in the intro of the episode) but I’ll be back soon!

Find Tawnya themoneylifecoach.com & instagram.com/tawnyaschultz


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