Making Money Matter: Recent Episodes
Julie Leduc
Are you seeking ways to better your finances? It is not always easy to do it on your own, sometimes you just need a little boost. Each week our financial expert with over 20 years of experience will guide you to a better financial life. Julie is a license mortgage agent, certified financial coach, wife, mother, grand-mother and many more expertise. If you want to learn more ways on how Making Money Matter this show is for you! We are always here to help and c an be reached at 613-277-5271 or by email julie@beyondmortgages.ca *The views expressed on this podcast are my own and do not reflect the views of my employer.
Tune into this week's episode with Julie and Pam as they discuss dreaming big! As you look at your life you may ask yourself am I where I want to be? What kind of future do I want for myself? What attainable goals do I wish to strive for? Julie and Pam dive into the key components that will get you where you want to be. Highlighting making a goal list, being specific, working on yourself continuously whether that may be physically, spiritually, emotionally, financially. Create your goals, and visualize what your life looks like once those goals are achieved. If your goal is to walk 10,000 steps daily, attended church more regularly, pay off your debts, or save for the indoor pool you've always wanted. Write it down, hold yourself accountable. Every decision you make brings your closer or further from where you want to be. Dream big, and know its all achievable.
Dreaming is Free!
In this enlightening episode of “Argument Free Discussions About Money," Julie and Jodie focus on turning potentially contentious financial discussions into collaborative conversations.
Embrace the idea that dreaming is free and that navigating money matters with your partner is about teamwork, not blame. Discover how to approach financial topics with a shared vision to achieve common goals. Whether you’re planning for the future or tackling day-to-day expenses, this episode provides the tools to build a harmonious and effective partnership around money.
In todays episode Julie is joined by one of her very own coaching clients, Mr. Leeworthy. Join in as they share tips and tricks on how you can get ahead. Are you the household spender? Do you pick up a Starbucks on your way to work everyday? Julie and Mike explain what works best for them, whether its having specific bank accounts dedicated necessities, birthdays, groceries or family vacations. Are your car loans, student loans and credit card payments weighing heavily on you monthly. Perhaps refinancing your home to clear up your debts is an option for you. Don't be shy to reach out to a professional to get ahead of your financing needs.
Welcome to today's episode where Julie and Pam talk about the fear of change in the financial world. Most people find this topic uncomfortable, but in order to grow its key to address fear and how you can work around it. Maybe you're someone who grew up worried there wasn't going to be dinner on the table, maybe you invested your money and took a great loss, or maybe you simply don't know where you start. These are common scenarios for many people. The key to tackle financial fear is to be true to yourself, understand where you're at and be open to positive changes in order for you to grow. Surround yourself around successful people, allow yourself to be vulnerable, ask professionals or someone you trust for advice.
Congratulations on making the down payment—now what?
In this episode of "Home Ownership, Beyond the Down Payment," Julie and Jodie dive deep into the ongoing responsibilities and costs of owning a home that go beyond the initial investment. Explore essential topics like furnishing your home, property maintenance, insurance, property taxes, and home improvement budgeting.
Whether you’re a new homeowner or looking to optimize your property investment, this episode provides the essential tools and insights to ensure your home remains a rewarding and manageable asset for years to come.
Much of our financial knowledge is caught, not taught. In this week’s episode, “Financial Literacy for Kids,” Julie and Jodie will show you how to build a solid financial foundation for your children. Discover innovative and engaging ways to teach them essential money skills that will set them up for lifelong financial success.
Tune in to learn how to make financial education fun and impactful, ensuring your kids grow up with the confidence and knowledge to manage their money wisely.
Join Julie and Jodie in this episode of "Self Employment vs Corporate," as they dissect the essential choices between operating as a sole proprietor, partnership and forming a corporation. They will walk you through the pros and cons of each structure, helping you understand the key differences in liability, taxation, and business operations.
Discover how a sole proprietorship offers simplicity and direct control, while a corporation provides limited liability protection and potential tax benefits. They also cover the steps needed to establish and maintain each structure, including legal requirements and paperwork. Whether you're starting a new venture or considering a change in your business structure, this episode provides the clarity and guidance you need to make an informed decision and set your business up for success.
Is it ever too early or late to start planning for retirement? In this enlightening episode of "Unpacking Retirement," Julie and Jodi delve into the multifaceted journey of planning and transitioning into retirement.
Our hosts share invaluable insights to inspire you to utilize financial strategies and investment tips to lifestyle adjustments and emotional readiness to create a personalized plan that aligns with your dreams and goals.
In this episode of “Saving $ in the Kitchen”, Julie and Jodie dive into the art of saving money without sacrificing flavor or quality in your kitchen. Join our hosts as they explore clever strategies for cutting costs while still enjoying delicious homemade meals.
From meal planning and shopping smart to creative ingredient swaps and utilizing leftovers, you'll learn practical tips to stretch your food budget further. Whether you're a seasoned cook or a kitchen newbie, this episode will equip you with the tools to turn your kitchen into a cost-saving powerhouse!
This episode our hosts take us through how people who depend on us can sometimes become toxic charities are and what these look like.
Exploring the delicate balance between giving and its unintended consequences.
Join our hosts as they explore the impact of appreciation anticipation, expectation entitlement, and dependency. They share valuable insights on fostering healthy giving relationships, ensuring that generosity brings positive change without unintentionally perpetuating toxic dynamics. Tune in for a deep dive into giving practices that promote empowerment and sustainable support creating a positive impact on both sides of the giving equation.
In todays episode join Julie and Jodi as they delve into the tough topic of guilt. Todays episode focuses on how guilt is "a wasted emotion" delving into its impact on our lives, particularly in the realm of finances.
Join us as we unravel complexities of financial guilt. Understanding how it can determine your well-being and hinder your financial success. Our hosts share valuable insights on breaking free from the trap of guilt, fostering a healthy mindset and reclaiming control of your financial narrative.
Join us this episode as we discuss the transformative journey towards financial freedom, emphasizing the pivotal role of changing habits to enable mindful spending.
Our hosts will walk us through the path to smart financial decisions, breaking free from restrictive habits, and fostering a positive relationship with money.
In this episode, our hosts talk about the dynamic world of rate markets. In this episode we talk about navigating the chalenges, mitigating uncertainties, and overcoming rate anxiety.
Whether you're a seasoned investor or a newcomer to the rate strategies for smart decision-making in fluctuating markets. Tune in for a rate-savvy conversation that promises to demystify complexities and empower you to confidently navigate the flow of rates.
Get ready for a crash course in Parenting 101. In this episode, the hosts discuss the balance of celebrating life's milestones with a focus on graduation, navigating the world of youth sports, and mastering the art of thoughtful presents.
Join us as we explore the financial considerations, emotional rewards, and practical tips for parenting through these aspects. This episode our hosts share valuable insights to making parenting a rewarding journey with smart financial strategies.
This episode is all about going back to school. In this episode join Julie and Jodi as they talk about high school and the allure of immediate gratification, "Keeping up with the Jonses", and birthday parties!
This episode tackles the threads of consumer culture and how to navigate the pressure to spend, making mindful choices, and to have a memorable school year without breaking the bank!
Join us today as we deal with emotions around money. The intricate dance around perception and planning, the motivations that fuel financial success, and how attitudes shape our monetary journey.
This episode will guide you through the emotional landscape of money, offering insight on fostering a positive financial mindset.
Our relationship with money can be intricate, shaping our behaviors and impacting our lives in profound ways.
In this episode Julie Leduc talks about the complex world of financial psychology, our money related behaviors and the circumstances that influence them.
In this inspiring episode, Julie Leduc explores the art of setting transformative trends in your life to pave the way for future success.
Discover the strategies and mindset shifts that will empower you to set trends in your life and chart a course towards extraordinary success and fulfilment.
Join Julie Leduc in this thought provoking episode as she tackles the subject of self destructive behavior focusing on the role of pride and its impact on our financial lives.
Delve into the aspects of our behavior and learn practical methods to initiate positive change.
In this episode, Julie Leduc delves into the foundational pieces of a strong work ethic, offering practical steps to enhance your professional life.
Join her as she explores the core principles that underpin a solid work ethic and provides actionable strategies to elevate your productivity.
Join Julie Leduc on a thought provoking episode as she unravels the complex world of chaotic financial patterns.
Learn how to identify and understand the chaos in your financial life and walk with her as she walks us through how to discover strategies to regain order and stability.
In this episode Julie Leduc explores the common issues of fear, anxiety and feeling overwhelmed when it comes to managing your finances.
Join her as she goes through effective strategies to conquer these emotional obstacles. Providing practical steps to regain control and confidence in your financial journey.
Join Julie today as she delves into he world of financial stressors. Offering practical insights and solutions to ease your financial worries.
She will explore various aspects from financial stress in relationships to how to take responsibility and the best way to tackle them. Tune In to gain valuable knowledge to secure your financial future.
Handling Money isn't about dollars and cents
Emotions drive our spending habits and then stress builds up as regret sets in over money we don't have is spent on stuff we didn't didn't need
Join Julie today as we discussion the topic on every one's mind which is 2023 mortgage rate environment
What to expect in 2023, how to Mitigate this years challenging rate environment and how to overcome your fears and anxiety
First you give a gift that is unexpected and it's very much appreciated
Then you give the gift again to the same person they begin to expected it
After they begin to expect it, then they begin to depend on your gift giving
Join Julie today as she walks you through the process to break the cycle of Toxic Charity
Have you ever spent money or done something out of a feeling of Guilt?
I have regretted it and then you do it again?
Join Julie today as she walks you through how to break the cycle of guilt and regret
Join Julie today to discuss how each of us may be enabling spending on things we don't need with money we don't have
It's going to take work, time and patience but Julie can give you the tools to break old habits and form new ones
Parents do you feel like your being pulled in a thousand different directions and the money doesn't seem to stretch as far as your being asked to stretch?
Join Julie today as she provides common sense advice on how to manage the demands on parents
It seems the back to school commercials have been running for months and the frenzied back to school shopping begins
The teachers have a list, your kids have a list and you have only so much money in the bank
Let Julie guide you through the crazy time of year so you don't get overwhelmed
It takes time and patience to build your Wealth
You have to manage your day to day expenses, take care of your immediate needs and then plan for your extended goals and dreams
Join Julie today and let her walk you through the process on how to achieve your financial goals
This is a must listen to uncover "The Secret of Life"
If you want the good stuff, the investment is time!
Settings Goals isn't just for the New Year
Setting and Reviewing Goals on a regular basis will keep you focused and feeling on top of your game
Rates, Rates, Rate!!! It's on everyone's mind when it comes to Mortgages!
Today we make sense of that topic
Julie is joined by Pam Adamson to discuss why it's so important to look at your overall Financial Picture early and often.
Life changes in a heart beat and you want to make sure your prepared for those changes when they come along
Making Money Matter
Educate the listener - our goal is to provide tools to educate the listener.
Finances are 20% knowledge and 80 % behavior.
Accountability is the secret sauce.
Four phases in coaching Survival, Stability, Success and Stability.
Business coaching: Let's coach you on starting your business.
Bookkeeping and Accounting: Working within the parameters set by CRA.
For more info please visit: www.yourmoveyourmoney.ca
Real Estate and rates. Is it still a good time to buy? Should you still be considering a variable rate? How to get the best bang for you buck? Let's also talk about affordability - what is your range of affordability? Let's consider how much house you could comfortably buy? Our job is to save you money. Buying less is better than than more...
What about co-signing - If you have co signed and are not sure what your responsibilities are, let us enlighten you.
Entitlement is a true and real problem are you affected?
On today's episode of Making Money Matter, Julie is joined once again by Dan Laporte. They recap as well as continue their conversation from last week on awareness, knowledge and action.
Do you have any questions? call 613-277-5271 or you can always email Julie at julie@beyondmortgages.ca
On today's episode of Making Money Matter we are joined once again by Dan Laporte, we start of with an important question. What is the psychology behind our mental awareness with Money? Once you have find the core issue of you money problems, you can come up with a plan to rectify it. Who can help you in your journey to financial freedom? Take a listen!
If you have any questions feel free to contact Julie at 613-277-5271 or send an email at julie@beyondmortgages.ca
On today's episode of Making Money Matter, we are joined by a special guest Dan Laporte. He starts of by giving a brief breakdown of where he comes from and what he does to help people. Secondly Julie and Dan talk about how can your relationship with money have an impact on your life either positively or negatively.
Do you have any questions? Call 613-277-5271 or email julie@beyondmortgages.ca
On today's episode of Making Money Matter, we have a special guest joining us. Marc starts of with a powerful though: To change your life you need to change your priorities. What does that mean to you? How does it look like for your dating life, for you availability and money?
Do you have any questions? We can help! Call 613-277-5271 or email us at julie@beyondmortgages.ca
On today's episode of Making Money Matter we talk about the difference between a Co-Signer and a Guarantor. They have different roles and reasons why would should or should not choose to do so. What kind of impact can it do in the lives of the co-signers and guarantors? If you have any questions feel free to reach out!
613-277-5271 or email us at julie@beyondmortgages.ca
On today's episode of Making Money Matter we talk about how to build wealth. How can having a plan help you manage your day to day. How can you shift your mindset and achieve your goals? How can you reduce your debt load? It can be done. You cannot build wealth and have a bunch of debt! We can help you reach your goals and help you build your wealth!
Call 613-277-5271 or email julie@beyondmortgages.ca
On today's episode off Making Money Matter we talk about retirement. We start of by talking about where does your retirement income comes from? How much money do you need every month to be able to achieve the things you want. What happens if you bring it debt in your retirement? Take a listen!
Need our help? Call 613-277-5271 or email julie@beyondmortgages.ca
On today's episode of Making Money Mater we start of with a story of the secret of life! How does the secret of life applies to finances? It has everything to do with it! Bring your finances to what you have always dreamed of with the secret of life!
Have any questions?
We can help! 613-277-5271 or email julie@beyondmortgages.ca
On today's episode of Making Money Matter, we do a January review. We start of by catching up on how our personal goals are going! How are you doing with you 2023 goal? What is financial wealth? You can achieve financial wealth by setting some goals!
Have any questions? Call or email Julie at 613-277-5271 julie@beyondmortgages.ca
On today's episode of Making Money Matter we start off by talking about the 4 walls of a relationship. How does your finances affect all the components of your life?
How can you create a spending plan? We dont like to call it a budget! What if you have tried to do this on your own and you are struggling?!? We can help!!!
Email: julie@beyondmortgages.ca
Call: 613-277-5271
In today's episode of Making Money Matter, we start of with the difference between a resolution and a goal! Yes there is a big difference! Do you have goals for 2023? Dont set your self up for failure, set goals that are in your reach! Start small and add to your goals! What kind of goals should you be setting? Setting goals in different areas in your life will give you air under your wings! Take a listen!
If you have any questions call or email us! 613-277-5271 julie@beyondmortgages.ca
On today's episode of Making Money Matter we continue our conversation from last week! This is surviving the Holidays part 2! We talk about 3 important and costly parts of celebrating with our families...the travel, the clothing, the food and the wine! What can you do to minimize the cost?
Wishing everyone a very Merry Christmas and a Happy New Year!
In today's episode of Making Money Matter, we have a special edition! How can you financially survive the holiday's? This time of year is stressful for many of us! Do Not let the holiday's put you in a difficult financial position!
Do you have any questions?
Call 613-277-5271
Email: julie@beyondmortgages.ca
In today's episode of Making Money Matter we talk about an exciting step in life! Buying a home! What are the financial steps to become a home buyer? What does it mean for you if you are currently renting? What is the difference between a pre-approval and the real math? Let's not become house poor! We can help!
In today's episode of Making Money Matter we Start off with a quote frome Suzy Orman, and we discuss how we can learn how to grow and be more financial savvy. How can your finances affect the person you are? How can it affect your attitude and relationships? Can you get out of this situation? Yes you can! And we can help!
Call 613-277-5271 or email julie@beyondmortgages.ca, natalie@beyondmortgages.ca
In today's episode in Making Money Matter we start of with a testimonial from a client we help achieve there retirement goals. Then we touch back on last week episode of Starting young. Subsequently we talk about how to plan for retirement. Do you have a pension? Can you live on CPP & OAS? Take a listen and get prepared for retirement!
If you have any questions feel free to reach out! Call 613-277-5271 email julie@beyondmortgages.ca or natalie@beyondmortgages.ca
In today's episode of Making Money Matter, we have a very special guess! Christina has a pottery business here in Russell called CMS Pottery. Take a listen to this episode as she share's with us her journey to self-employment. Do you have any questions? Would you like to have your own business? We can help! Call 613-277-5271 or email julie@beyondmortgages.ca
In today's episode of Making Money Matter we start of with some very special guess, Jacque & Shelley. They wanted to share what there experience was to work with Julie and her team. In the following segments, we, talk about how to teach our youth how to invest and what they can do to not repeat bad habits that can have a negative impact on there futur.
Do you have an y questions? We can help! Call:613-277-5271 or email julie@beyondmortgages
In today's episode we talk about RATES!!! Are you looking to buy, or is your mortgage up for renewal? We have lots of great information for you! We have strategies for you to save money when it comes to rates, renewals, debts, investments and so much more.
If you have any question please reach out! We can help you!
613-277-5271 julie@beyondmortgages.ca
On today's episode of Making Money Matter, we dive into the subject of credit scores! How can you increase your score, how does it get damage and how can you fix it? Take a listen to this episode and learn how to navigate your credit. Have any questions? Call 613-277-5271 We will be more then happy to help!
In today's episode of Making Money Matter, we continue our conversation from last week. We start of by talking how will inflation effect the mortgage industry. The housing market is now in the beginning stage of being a balanced market. What does that mean for you as a buyer? What does that mean for you as a seller? If your in the market to buy a property, should you lock in your rate before having an excepted offer? Should you go fix rate or variable? How about investing during this time? In this episode we cover all these topics and much more! Take a listen! If you have any questions dont hesitate to call 613-277-5271 or email us at julie@beyondmortgages.ca
On today's episode of Making Money Matter we start of our conversation with the hot topic of inflation. How is inflation going to affect your day to day life. With a good plan you can get through this difficult time. What are our tips and tricks to save money! With a plan you can conquer anything! Need some help to come up with a plan? We can help! Call 613-277-5271 or email our office julie@beyondmortgages.ca
Can you imagine being debt free? It might be hard to but you can definitely achieve this goal. In today's episode of Making Money Matter we start of by talking how not to compare your journey with other's. Then we give you tips on how to be able to put more towards your debts. How can you create new habits to save money and achieve your goals. In the next segment we talk about the mistake you unintentionally might be making that are contributing to your debt load. How can you adjust your spending plan accordingly when it comes to inflation.
If you ever have any question please dont hesitate to contact our office!
Call 613-277-5271 or email julie@beyondmortgages.ca
On today's episode of Making Money Matter we start off by talking about how to make an emergency fund a priority. What is a true emergency that you need to use this fund. We also give you strategies on how to save funds so you do not need loans. Then we show you how to save money for the dreaded tax season.
In today's episode of Making Money Matter we are visited by a recent client that has used Julie's services to obtain financing for his new house. He shares he's experience through out his process. Then Natalie joins us again, Julie talk about a realtor she worked with and shares there experience working together! If you have any questions you are more then welcome to reach out! Call us at 613-277-5271 or emails us at julie@beyondmortgages.ca
In this episode of Making Money Matter, Julie and Natalie talk about tools that you can use to become financially free and give you freedom. Stop comparing yourself to the Jones. How can you change your habits to help your finances? Take a listen! If there is anyway we can help or have any question reach out to us! 613-277-5271
On today's episode of Making Money Matter we start of by talking about emergency funds. How do you make having one a priority. Are you making mistakes when it comes to spending money? Let us help you with strategies to save money.
In today's episode of Making Money Matters we start of with information on what is a credit score, and how to protect your score. Then we tacle the world of interest rate. Take a listen and see how you can save money! Have any questions? give us a call 613-277-5271
Full disclosure at the time of tapping the prime rate was 3.2 today the prime rate is 3.7
In today's episode of Making Money Matter we talk about the process of buying a house starting of by the down payment. Then we talk about documents that you will need to prove your down payments. Are you new to Canada here is so information for you! Take a listen to this episode and learn what you need to do to buy a house! Any questions we are always there to help you! Call 613-277-5271 or email us at julie@beyondmortgages.ca
In today's episode we start off with an amazing testimonial from a very happy client. Next off we talk about how you can teach your child about finances. Then we explore the world of credit cards and how to teach your loved ones how to establish credit and what can happen if you are not careful.
On today's episode of Making Money Matter, Natalie joins us once again. We start the show talking about entitlement & procrastination attitude when it comes to finances. Learn how coaching can help you curve your attitude towards finances in a positive twist. Did you know there is a difference in personal coaching and business coaching? Learn more in todays episode!
Today we start off by talking about business strategies while growing your business. Learn some tips and tricks about taxes, right offs and what a bookkeeper can do for your business. What are the steps you need to take to grow your business financially? Take a listen and find out!
In this weeks episode of Making Money Matter we are joined by one of our clients and she explains her experience with coaching with Julie and how her services help her transform her financial situation. Afterwards Natalie joins us to talk about dinning out, dating and fun. Spending time with your loved ones doesn't always have to cost a arm and a leg.
In today's episode of Making Money Matter we have Natalie returning as a guest. We talk about different places we you can do your groceries to get more bang for your buck! Do you know what is a good guideline on how much to spend on groceries? Listen to this week show and find out!
Today's show starts off with one of our clients speaking out on her experience! After that we continue our conversation on disappearing money and give you tricks to built the your financial foundation!
Today's episode starts off with a happy client's testimonial! What is disappearing money? Learn how to change some habits that make your money disappear. We have some tips for you !
In today's episode you will hear a testimonial from happy mortgage client!
How do you get your finances to reflect what your wishes are?
Take a listen and see how you can start to build your financial foundation!
You are never to young or to old to learn new tricks!
In today's episode we met our host Julie Leduc. You will hear an amazing testimony from a thrilled client. Get into what are the belief system of past generations and today's generation. How can we change our own lives? Stay tune!