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Autumn Carter: Hi, welcome to episode 89.
Welcome to wellness in every season the podcast where we explore the rich tapestry of wellness in all its forms I am your host autumn carter a certified life coach Turned wellness coach as well as a certified parenting coach Dedicated to empowering others to rediscover their identity in their current season of life My goal is to help you thrive as an individual and as a parent.
Autumn Carter: Today I have with me Megan Outlaw and she is going to talk to us about budgeting. She is a mom of three kids, including twins, so she definitely needs to know about budgeting for this. she calls herself a money mentor. I really like that. And she helps you master your money, meals, and more.
So anything money wise. She's there. Tell us a little bit about you professionally. Introduce yourself for us.
Megan Outlaw: Like she said, I'm Megan Outlaw. I've been married to my husband for 25 years. we married, when I was a teenager at 19. we always struggled with money. probably three years ago, I became very passionate about getting our finances in order.
I was not the only one that didn't know how to handle money. And so that's why I started doing this, I call myself a money mentor instead of a coach because it's more like having a friend. I've been there recently and so I'm just on the other side of it.
And so I just feel like it's more of a mentorship than it is, a coach or, whatever other big jargon term that people use. but, I just want people to understand that. no matter where they're at financially, it is possible to become financially stable.
Megan Outlaw and Autumn Carter: I know that there are so many of us, especially nowadays, I don't know what generation it started where we were fast paced and if we want it, we had to have it.
So it's really hard. It's ingrained in us. It's been several generations. So it's really hard to break that. So there is a very big need. And if we look, we have a ton of debt. Most people have over 10, 000 of debt. That's a lot of money.
Megan Outlaw: Yeah. we had that in our, by our mid twenties and we filed bankruptcy because it got out of control.
And I've made all the money mistakes, I'm pretty sure,
You are a mom. Look, there's truth.
Growing up, I was never told no. so if I wanted something, I just got it. Like we weren't like rich or anything like that. It's just, I'm sure my parents were in debt up to their eyeballs, but they never talked about money. And so I just, as I became older, thought that's how it worked.
If I want something like, I just got it. And my husband grew up the complete opposite. And whereas he, comes from a scarcity mindset where he didn't have anything growing up. And so when we collided. He stressed out completely because I, he felt like I was spending all the money. I was stressed out because I felt like he didn't want to spend any money.
And since we started budgeting and getting everything in order, I can spend freely. Budgeting is not restrictive as most people think. It gives you freedom to spend because I know exactly where my money's going. He can see exactly where the money's going.
So he doesn't have the anxiety anymore. Now, since we've gotten on the same page, our marriage has, gotten very I'd say more stronger now than it was, for the first 15, 20 years.
Megan Outlaw and Autumn Carter: That is a really big deal. what are the things that most couples fight about? Sex? Money? I'm missing the other top one.
But money is one of the top three that couples fight about and there's a reason why there can be, when we talk about infidelity in relationships, infidelity can also be financial infidelity and that is a really big deal.
Megan Outlaw: Hi, it's me. I've done it. a lot of people blame their husbands.
No, I was the guilty one. I was the one who was hiding. I hid a credit card. I hid a loan. I was hiding all kinds of stuff. And when it all came out, it all came out. And that's exactly what he said it felt like. And so it took, a lot of talking and working things through and a lot of trust.
rebuilding, because like cheating.
And I'm sure that, yes, there was a trust rebuilding with him, obviously, but with yourself. Oh, absolutely. Takes so much work and that speaks volumes that you guys are still together after that. very difficult road. One of the things that we did, and I'm 100 percent okay with it, and now that I'm good, good with money and all that, I still have it in place, is every time I swap my card, my debit card, he gets a text.
But that was one of the guardrails that we put up during that.
Megan Outlaw and Autumn Carter: My husband set that up because we've had our credit cards stolen, I feel like pretty much everybody has at this point. If you haven't, it's a matter of time.
Megan Outlaw: It just feels like it's now a part of life, unfortunately, but it's all, it. Plays into the budgeting. If you're doing a budget and you're tracking your stuff, you're going to catch that immediately.
Like it. It drives me crazy when I see that commercial about, I forget the company, I think it's Rocket Mortgage, or whatever, whichever one it is. It talks about, they go through and they found, they had three subscriptions they didn't even know they were paying for. And I'm like, how do you not know you're paying for a subscription?
Megan Outlaw and Autumn Carter: That blows my mind. And it's made me want, we do the free version of it, I've been curious, I'm like, if I did the paid version, would it find something like that?
is that a thing? Because we're so conscious of the, of our subscriptions and everything that it, yeah, it blows my mind.
Megan Outlaw: Most people are, but I do think some people don't. They just don't want to admit that they've are paying for things like a gym membership.
You just forget because it comes out automatically.
Or you don't look because you're scared to even look. Yeah, I've had a client say that, she's like, how do I budget when I'm scared to look at the numbers? Those were her exact words. And I'm like, it's a lot scarier not knowing your numbers.
Yes, I was hoping we would talk about that. we're done. Bye guys! Thank you! Okay, so you told me about where you are professionally. You talked about that. So how does it work because there are people that have ADHD and budgeting it can be really hard to do What are your tips and tricks?
Megan Outlaw and Autumn Carter: What do you do to help other people who have it? I would love to know this
Megan Outlaw: Yeah, so for me, I have to gamify it. So I have a spreadsheet. I keep it really simple, too, because if you have an ADHD, you can overcomplicate things very easily. so I just keep a very simple spreadsheet that I've created.
And, I plug my numbers in at the first of every month. And I'm, looking at it every week and it is a, to me, it's a challenge. I'm going to beat that number. I'm going to come in under what I said for the month, as far as like groceries, gas, ones I can control, not the actual like house bills.
And so that's my biggest one is I gamified. And then, another thing is you've got to find what works for your brain. So not everybody, I love spreadsheets. I do spreadsheets for everything. And so that works for me, but that might not work for somebody else. so they may have to do it on paper, in a paper planner.
And so you just have to find what works for your brain something that you'll stick with because that's the, starting a budget is one thing, but sticking to it is another. And so that is a part of what I teach is, starting it, sticking, I have it behind me. Start, stick, save and stretch.
Those are my cornerstones of, when I talk about budgeting. Let's talk about it. Yeah. So of course, starting is just, sitting down actually, writing down everything because when I first started budgeting,
I would just list out everything. I'm like, okay, that's less than what I bring home for the month. And then at the end of the month, I'd be like, why am I still broke? it's because, you say that this is what you're going to spend, but what you actually think you're spending and what you are actually spending are not usually the same thing.
And so it's very, important to track those numbers. when you first start I would say daily. and then once you get started, then you got to find, like I said earlier, the system so that you can stick with it because it's not going to be perfect for, the first couple of months.
You're going to mess up. You've never done it before. So you have to stick to it for several months to start seeing, the at the end of the tunnel when you start your budgeting and you start cutting out some expenses that you don't necessarily need or if you have a goal in mind, that's where you can start saving your money.
It may be 5 at the beginning, but then at the end, you may, be doing 100, a lot of people have all or nothing mindset where if I can't save hundreds of dollars and why start. We started at five and ten dollars, and it did take us, probably a year, but when we finally built that emergency fund, I would just look at it and just be in shock that we did it, because you don't think those five and ten dollars make a difference, but they, everything adds up, and so I recently just paid my car off, so we're, other than owing for our house, we're completely debt free now.
That's exciting. If you would have told me that three years ago? I had a laugh in your face. there was no it was not going to be possible. But, it's amazing what doing a budget will do and then the stretch is the stretch in that dollar. one of the things that I think goes hand in hand with budgeting is meal planning.
so I like to try to stretch the dollar as far as groceries because that's what before we actually started doing a budget we started with groceries like I would make a spreadsheet And I would you know make my grocery list I would put the prices that I found, you know online because i'd go to the app or whatever And it would total it up and I would set a budget, you know back then was a hundred dollars a week and I could see exactly where I was at because I knew I could control that.
Now I couldn't buy all the groceries I wanted, but I could buy the groceries I needed. and having that kind of control, it leads over into other areas. And so I'm like, okay, I've got control of that. I'm, became really good at couponing and meal planning and saving money there.
Megan Outlaw and Autumn Carter: Where can I go next? And then when I found the budgeting, it, just snowballed from there, And that makes me think of debt snowballing. can you explain what that is and how that kind of ties together?
Megan Outlaw: Yeah, so the debt snowball, of course, Dave Ramsey is the one who, coined that.
And, we do follow him. Don't follow every single thing that you hear. You have to do what works for you. one of the things he says is, not to keep putting into retirement while you're paying off things. we didn't quite do that.
We still did both, but, but the debt snowball, it is where you list all of your, we'll say credit cards, loans, and you list them lowest to highest as far as the dollar amounts like what you owe and you're paying so let's say you owe a hundred dollars on one credit card 250 on another 500 on another so you're going to take that hundred dollar ones and you're going to throw all your extra money at it and you're going to continue to pay the minimum on your other ones and then once you Pay off that hundred dollars.
Let's say your payment For it was 30, but you're paying, 80, whatever you can to get it paid off. You're going to take that 30 that you were paying. You're going to add that to your next payment for that 250 card. So let's say it's payments was 50. So now you have that you're paying plus all your extras.
And then each time you just take whatever amount you're paying and just add it to the next one. And by the time you get to that big one, you've got, a chunk of just payment that you're making, not including all that extra. And there's also the avalanche method, and that's more, you pay off the highest interest one,
I don't know a lot about it because I don't, what did you do?
Megan Outlaw and Autumn Carter: I thought debt snowball was all of them, but I do remember that there are different ways to pay them off.
Megan Outlaw: so we're doing the debt snowball. That's the one we did because that was, and what it does is it gives you those little wins.
And so that helps your brain, to cement it in your brain that, hey, this is working. And you got to have those wins because if you go a year paying something and you don't see any kind of momentum, you get discouraged and you give up. I had a client who thought she was A lot worse off than she was but once we laid it all out and I showed her how to do that debt snowball She was stunned She couldn't believe she was gonna have one of the things paid off in three months what she did just fired her up and she's Almost got them all paid off after a year and when she first started She thought she was in debt for life.
that's what she thought And so yeah, one of the things is You have to put it down because you have to see it. You can't just think you know because, talking about groceries, a lot of people are like, oh yeah, I just spend, 500 at the grocery store. I guarantee there's been an eight, or whatever, but it's a lot more than they think.
Megan Outlaw and Autumn Carter: and that's one grocery store. Do you shop at extras? Yeah, I definitely agree. And let's back up. Okay. she thought she was going to be in debt for life, and it took her a year. I wanted to reiterate that because there's so many people who feel so stuck and they're so scared that they can't make that step forward.
And I remember the other method, I don't remember the name of it, but the one that you feel the most negative emotion towards. You pay them off based off of emotions. I know that is one.
Megan Outlaw: that one. You haven't heard that one? No, I haven't heard that one. Yeah. they're actually fed up.
Megan Outlaw and Autumn Carter: it's really about which way do you need to pay it off that motivates you the most.
Megan Outlaw: Exactly. if you're good with getting that biggest one off and do that. there's really no 100 percent wrong or right way to do it.
Megan Outlaw and Autumn Carter: long
Megan Outlaw: as you're doing
Megan Outlaw and Autumn Carter: it.
Megan Outlaw: Exactly. and that's one of the things I teach is, Small things add up to big changes.
Megan Outlaw and Autumn Carter: All your S's.
Megan Outlaw: Yeah. I don't know, it just happens.
Megan Outlaw and Autumn Carter: it.
Megan Outlaw: I have another S one. Yeah, and I didn't say the first one was simple. I keep everything simple. I'm not overcomplicating anything.
We're going to keep it simple, easy.
You talked about it with your spreadsheet Oh, yeah. We have a tendency,
Megan Outlaw and Autumn Carter: it's very human nature that we're going to go that pendulum, right? We're going to go from one extreme to the other until we're finally in the middle. And you were talking about with ADHD, how we, people with ADHD tend to over complicate things.
So you had to keep it simple. And you said it so quickly that it's okay, now I'm going to start. So you did say it. We're good.
Megan Outlaw: And all my products, they usually have the word simple. Like I have a simple budget planner and the simple budget spreadsheet. It says it just about in all my products.
But another thing I thought of talking about the ADHD is, one of the things that we're bad about is impulse shopping. And so one of the things I suggest for that is the 24 hour rule. And that is, especially if you're an online shopper, put it in your cart, Leave it for 24 hours. And if you still feel that strong about it and 24 hours to buy it, then you can really look at buying it.
But a lot of times you lose that urge. And another thing to do is take your credit cards or your debit cards or whatever, the numbers out of any online website that you go to. Because if you have to get up, go get your card out of your wallet, put in the numbers, you're gonna be like, yeah, I really don't want that shirt.
it's little things like that you can do that can make a difference.
Megan Outlaw and Autumn Carter: I think when you were talking about that Is where decluttering comes in as well. but I have four little ones. They bring home so much extra stuff.
I was telling you right before we hit record that I'm looking forward to summer being over. However, I'm not looking forward to all their stupid little trinkets that they bring home. Yeah, every time they're done with it and turned around, I'm like,
Megan Outlaw: When my twins are in daycare, in pre k, they bring the stacks of artwork.
And I'm like, Oh, yeah. And it took me a long time.
Megan Outlaw and Autumn Carter: you have new ones on the wall.
Megan Outlaw: it took a long time for me to be able to get rid of that stuff. I kept everything for a long time. so now we just go through. We pick the favorites, and I have a little keepsake thing, and we keep favorites, and the rest.
Megan Outlaw and Autumn Carter: the reason why I wanted to talk about this. With decluttering is you are looking through the things in your house, And really take the time to, how many rolls of toilet paper do you have? How many rolls do you need?
Megan Outlaw: since the pandemic, it's more. But, how many, tumblers do you need? How many shoes do you actually wear? Clothing. Hair ties. Makeup stuff. all kinds of beauty products, overall.
my friends make fun of me because I have clothes in my closet for three or four years. I'm like, I don't need any more. And I do every, once a year, I do a challenge. I think one year I did it on my blog and then this year I did it on TikTok. I do 30 days and I wear everything in my closet. I don't wear the same thing twice.
Because I have pared down a lot, but I still have enough. And you can get real creative, and you realize, oh yeah, I really don't need to go shopping. it's fun, I still will every once in a while go buy stuff, just because I budget doesn't mean I don't spend money, but I'm very conscious about it.
Megan Outlaw and Autumn Carter: I'm like, okay, I've got these pants, but I don't have a lot. because I know what I have, so if I find a good deal on a cute white t shirt, then I know I can get it. I just kept thinking about, Joey.
Megan Outlaw: Oh, yeah.
Megan Outlaw and Autumn Carter: I thought he wears everything. I was like, Raj Chandler.
Yeah, I don't wear them all at one time. I know. That's why I kept smiling, though. I was like, not a good time for me to be laughing at you, because I wasn't at you, I was at myself remembering that. But it gives us a really good opportunity to like, what do we have, what are we buying too much of? And then I have a sister in law who really enjoys shopping, but she's also very picky isn't the best word. She's conscious of what she's bringing into her house. So she's really good about returning things. Oh, yeah. You can return things. you don't have to be, hold on to these things. And I really like that.
she's still getting the dopamine hit from shopping, but if it doesn't fit her house or she has that time to think about it, she'll, she has no problem returning things. Yeah. Yeah, I think that's important to remember too. Like it's not yes, you have the shopping cart. That is great But you can return things if they don't work for you.
You're getting your money back You're getting your space back your time and really there's the more things we own the more it actually owns us because You think about it how it's just this purchase, but no usually you need something else to go with it to Complement it. I don't know You I buy a plant, but then I need a pot for it,
Megan Outlaw: a
Megan Outlaw and Autumn Carter: shelf to put it on,
Megan Outlaw: it can.
that one thing, so just think about that part, that there's usually more steps to it. You can say, Oh, it's just 20, but no, there's the 5 here to compliment it. And then it's the whole thing. And that's one of the things too, with budgeting that people is, a lot of it is mindset. And like you just said, it's only 20. yeah, it's only 20. If you do it every week, that's, almost a hundred dollars. it's, you have to switch that mindset, and one thing that I do that people would probably, not make sense to anybody, but it's something I do.
for our gas budget, I budget for, 300 for the month for gas. We both work one day a week from home. and gas is not that expensive here in Georgia, But if I'm at the end of the month, say the day before the end of the month, and we're right at the edge, I will just get 10 of gas to keep from going over I know in two days, I'm going to get more gas, but it's going to be in the next month.
But I do that as a mindset thing of being conscious of what I'm spending. And it just, like I said, a lot of people think I probably am crazy for that, but that's just something that I do to make sure that I hit those numbers that I set.
Megan Outlaw and Autumn Carter: And that goes back to what you were saying where you need to find what works for you.
And make sure that it's something that isn't so extreme that you don't stick with it. Because we can go to dieting and there's yo dieting. same thing with finances.
Megan Outlaw: yeah. So I didn't mean to interrupt. having that mindset, because if I was to go ahead and get the 50 and that puts me 40 over, and I do that every month.
I'm going to go over a little on groceries now. It's just 40. and then, you'll start going over other line items and then you have wrecked your budget completely. So you have to have that mindset to keep things in line. I think that makes sense.
Megan Outlaw and Autumn Carter: See? Now you don't sound crazy. There's reason behind my madness. And I think that's most things, honestly. If somebody starts explaining it, you're like, Oh, okay. You thought it through. Good enough for me. Move on. I tell my husband that all the time. He's very intelligent. He's an engineer. I'm like, Oh, you thought it through?
Cool. I don't need to know the process. There you go. With some of the things. We're so busy taking care of our kids and everything else going on that it's like, Cool, check in. You're good. You did this. Okay, next. you talked about how you personally lived it. You made all the mistakes.
I'm sure that really helps with your clients.
Megan Outlaw: Yes.
Megan Outlaw and Autumn Carter: When they're like, you don't know. And you're like, actually, yes, I do.
Megan Outlaw: And another thing, making all those mistakes, I know what it felt like while I was making it and how I felt because I didn't have anybody to talk to.
Nobody knew in my family what we were going through financially. None of my friends knew. I kept it, you feel very isolated, embarrassed, and you feel like you're the only person in the world that are making these mistakes. And so that's another reason that I started doing it is because, I want them to know that they're not alone.
I will be your biggest cheerleader and I will walk right through with no judgment whatsoever because I'm pretty sure I can top a lot of what people are doing. cause I've lived it. And, a lot of the people in the finance world, they wear big stuffy suits.
And, they're not somebody that you can talk to. I'm somebody you're going to get on a Zoom call with, send a Boxer message, and we'll talk about whatever you got going on in that moment. And so you're not going to get that from some of the big people. You're not going to have that one on one, support.
Megan Outlaw and Autumn Carter: Yeah, that connection too. And, wow, it just really resonated with me, you talking about how lonely that was. You were hiding it from your husband. You were hiding it from everyone around you. Just, you had this big secret that was scaring you. I'm sure it made it hard for you to sleep. It can really lead to health problems because of the isolation and the stress in your body.
I really wanted to just Reiterate some of that for the people who need to hear this. and if it's you that's going through it or if it's Somebody you know that you're finding out about this just realize how hard this journey is And megan is right here telling you and shining the light like here is the path forward.
You don't have to do it alone these people who thought they were going to live their whole lives paying off debt They did it in here. You can do it in just a couple years If you have the right, the S's, and you have the support. The support. The support. I'm gonna keep adding.
I'm gonna add it. It's gonna be this long list, like a Santa Claus list of all these S's, but having the support, the proper support, and somebody who's been there. and that is why you say that you are a mentor. Instead of using the word coach, or consultant, or whatever else. Because you're right there to help them.
To guide them, to encourage them.
Megan Outlaw: there'll be some difficult conversations that you have to have sometimes with, your partner or yourself, There's some honesty things that you got to admit to, but I can help you, give you some conversation starters.
Megan Outlaw: you don't want to just, especially, even if it's reversed and it's your partner that's doing the things. You don't want to come at them and attack them or be like, we're, doing a budget because, you're spending all the money that they're not going to get on board. So there's ways to go about getting them on board because even though my husband stressed about money and all that, he wasn't on board with budgeting in the beginning.
He was like, he thought it was pointless. And then when he started the groceries, and then I mentioned that's when I came across Dave Ramsey and started, when I went down the rabbit hole of budgeting, I'm like, hey, I'm listening to this podcast. He's he I guess one day he decided to listen to it.
he listened to another one. He was like, Hey, I think we should do this budget. of course it was his idea at that point. And then we did it, my big fat Greek wedding is going through my mind right now. they're not always going to be, in the same mindset you are of, yeah, let's do this.
Now they may be, and that's great if they are, but, you can get them to ease around. You can start doing little things and because it does, it makes a huge difference if you're on the same page.
Megan Outlaw and Autumn Carter: And starting small like you did, now I want to try the next thing, now I want to try the next thing.
during all this, I always say my health journey led to my money journey because I decided right in the middle of 2020 that I was going to get, my health together. I read a book that really clicked with me. I started intermittent fasting. And when I went down that journey, I was never a reader before.
Megan Outlaw: I hated to read. I read, I don't know, 10 books. within that year, started listening to all kinds of podcasts. And so I was like, Oh, I've got my health now under control because I lost about 60 pounds. And then I'm like, okay, where else in my life can I get? Cause it was a lot of self development.
Megan Outlaw and Autumn Carter: And so I was like, where else, and then I was like, okay, our money is all over the place. Let's start that, and so one thing will lead to another. this is perfect. I talk all about wellness. And the eight dimensions of wellness, and one of them is finances. So yay, you met one of the criteria.
Megan Outlaw: And what I really like about the dimensions of wellness that you're talking about is how it overlaps. And when you are taking care of one area, you're like, okay, what's next? What's next? So I can take care of all of me because it's like a wheel. And when something's out of alignment, you're I don't know if you've ever driven on a flat tire. I have, yeah. And I wasn't sure what was wrong because I just finished finals and it was dark and I'm tired and I'm like, I just wanna get home. went to this. Get something to eat and came back and he was called us.
He's I think I have a flat. And I'm like, did you drive on it? Yeah. I'm like, Oh, he's he didn't know. He's it just felt funny. So he just recently moved out. And so that's another thing we do is teaching our kids about money and budgeting and we're very open with it. We don't give them like Complete, details, but we're very open with them.
And my oldest is 24. He moved out last year. He had saved up an entire year of rent before he moved out. So he didn't have that stress. He doesn't make that much an hour. If he didn't have that money saved up, he technically wouldn't be able to live on his own, but he did that he's doing it. He's realizing, he has to plan.
And, of course he has a budget spreadsheet that he can keep up with it. I don't know how often he's doing it, but I gave it to him. we started that when he started working when he was 18. he didn't work in high school. He didn't start working until he was 18.
But we showed him how to save, You don't need your whole check. Put some of it up. And once he saw that money grow, he wanted to save. And so we start now with our, teenage, twins. Same thing, talking about money because I want them to be in a place when they become adults that they understand how it works, change that generational wealth so that they're not thinking that being broke is normal.
Megan Outlaw and Autumn Carter: It's a big deal. There's so many things that we can't have because of our finances. And I mean because we haven't saved up the money for this and maybe it's on sale and it's something that we really need, like a new washer, Or we're living so paycheck to paycheck that it is catastrophic when, say, our washer breaks.
we have less opportunities when we aren't saving and when we don't have that emergency fund the same concept works in different areas. So I really appreciate you talking about this.
Megan Outlaw: Yeah, so today, here.
In Georgia, we have septic tanks, and we had to have it pumped today, 350, three years ago, that would have been devastating. we would have had to put it on a credit card. We would have had to, and now it's okay, and we were able to do it and not have to think twice about it or put it off and then cause more problems because we couldn't afford it.
but you don't know when those things are going to happen and so you need to start being prepared for them.
Or when the stars align and this dream opportunity comes along. And another thing that we do, with our kids, and we never say we can't afford it.
We choose our words wisely, and so we'll say we're choosing to not buy it right now. Because I don't want them to think, I want them to understand that we're making that choice. Yeah, we have the money to buy it, but we're choosing not to, because either we don't need it right now, or I'm sure I can find a better deal later, or whatever the reason is, but I don't want them to think, oh, we're broke, or whatever.
And so I just always try to, like I said, choose the words wisely, so that they're hearing it and learning it. And then they can start using that language, too, because I've got one, one of my kids is an impulse shopper. he wants it now. And so I make him do the 24 hour rule.
I make him, try to, because he'll buy it and then he'll be like, I don't want it. And we're like, so tried to really teach him, so even though they live it every
Christmas, right with kids and you're just like, you begged for that. and so now, and I see that with my oldest, he might not have been.
he was buying an expensive computer. He was doing things with his money, and I'm like, is he paying attention? And then I find out later on, he was like, yeah, I was waiting till I hit a certain amount in my bank account, and then I bought it. And I'm like, oh, so you were paying attention. they may not say they understand or they like it at the time, but they are catching on to it.
Megan Outlaw and Autumn Carter: That's important. Okay, so your ideal client is someone struggling financially, obviously. And feels like there's no hope. how do these people, or if anybody else is resident of this conversation, either work with you or follow you for when they are ready to work with you?
So I've got a website. it's, www. therealrawoutlaw. com and I can explain that name.
Megan Outlaw: Yes. It's probably going to change soon, but, I just recently started a YouTube channel that may be an easy way to, Get some tips because I'm sharing one of the things I'm doing on it.
It just has a few videos right now, but I'm answering the questions that people are asking when it comes to budgeting and going over. it's called budgeting with Megan and that's with an a, I've got the website. I'm on all the socials at the real raw outlaw. Come follow me over there.
If you go to the website, there's a pop up for a freebie. you get on my email list through that. Cause I'm constantly sending emails, weekly with tips and, resources and different things.
Megan Outlaw and Autumn Carter: So tell us the story now.
Megan Outlaw: Okay. So when I, before I started teaching people how to budget, I started a blog back in 2022 and I thought it was a real cool name called the Real Raw Outlaw because I was sharing real life and the raw, because I was authentic and I showed the good, the bad, the ugly, and then the outlaw, of course, is my last name.
And when I decided to pivot and start teaching budgeting, I wavered back and forth whether to change the name or not, but I thought it still made sense. Because I still did those things, and so I kept it, I just started the YouTube channel under the budgeting with Megan, and so I may eventually switch it all over to that to make it a little more easier, and not be such a mouthful.
But for right now, we're the real world outlaw, Fun.
Megan Outlaw and Autumn Carter: for me at least, if I hear the why, it sticks. Yeah.
Megan Outlaw: most people are like, what? But then when I explain it, they're like, oh yeah, totally makes sense.
Megan Outlaw and Autumn Carter: Yeah, see? There you go. thank you so much for being on.
We look forward to following you. And I'm putting words in for everybody else who's listening. But thank you so much. This was very helpful. And financial wellness is important. It leads to so much stress if we don't know where we're at, or the monster that's known is so much less scarier than the monster who's not known.
This is our finances in general. If we don't know what it is, it's so much scarier. work with her. She obviously cares. She's been there. And she will help you through it. If you're not ready yet, she has the freebies, so check out her website. She has YouTube as well, and all the Instagram, TikTok, she has all the things.
Megan Outlaw: She gives you tips, so use them. And she keeps it all those S's. Simple, start, stick, save, and stretch. Thank you so much for having me, I've really enjoyed this conversation.
Megan Outlaw and Autumn Carter: Thank you.
Remember to take time to heal, relax, and be present. Next week, we will be talking about how everything is temporary. See you there. Thanks for tuning into this week's episode.
I am your host Autumn Carter, a certified life coach dedicated to empowering individuals to rediscover their identity, Find balance amidst chaos, strengthen relationships, and pursue their dreams. My goal is to help people thrive in every aspect of their lives. I hope today's discussion inspired you and offered valuable insights.
You can work one on one with me or on demand through one of my programs by visiting wellnessineveryseason. com
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One last thing to cover the show legally. I am a certified life coach and a certified parenting coach giving general advice. I have a bachelor's in applied health.
So I use that for the wellness aspect. So think of this more like a self help book. this podcast is for educational and entertainment purposes. I am not a licensed therapist, so this podcast shouldn't be taken as a replacement for professional guidance from a doctor or therapist. Because I don't know you personally, I'm not offering you personal advice.
This is very general. If you want personal one on one coaching, go to my website, wellnessineveryseason. com. That's where you can get personalized coaching from me for you. I will see you in next week's episode. Bye.