Dr. Severine Bryan, AFC®: The Secrets of Budgeting, Saving, and Debt Management | On the House #39

In this episode, host Gabriella Joustra is joined by Dr. Severine Bryan who is an Accredited Financial Counselor® and personal finance educator

Everybody knows that having a financial plan is a good thing, but personal finance is actually one of the most difficult things to learn and manage. Many people don’t learn to do it right until it’s too late, so this episode will go over the basics to ensure you don’t become one of them.

Meet Dr. Severine Bryan

Dr. Severine Bryan is an Accredited Financial Counselor. She teaches people about basic finance needs, such as how to save, manage their finances, manage their credit, and more. A personal financial hardship she experienced after a divorce informs her mission to teach women and couples the basics of their finances. This led her to also create and maintain the Dr. Sev Talks Money podcast.

About the episode

According to Dr. Severine Bryan, household management is the internal and external systems that run your household. Creating and maintaining this system ensures a smooth home life, but it is also necessary to course-correct from time to time.

One of these systems that run a household is the finances. Dr. Severine discusses the foundation of financial systems: budgeting. She reveals that budgeting is simply the process of managing how money comes in and out of your pockets. It’s not about how much a family makes, but more about how they manage what’s there.

The conversation then discussed the first steps of managing your finances: having a financial goal. These financial goals depend on what you want to achieve, be it buying a house, retiring, or simply living a comfortable life. Once you know what you ultimately want to do with your money, you can then think about what measures to implement. 

Another important discussion is credit. Dr. Severine discussed credit, its importance, and how you can create systems to manage it. She advised that while credit is an option, you should always have a plan to pay off the things you put there.

Other important points of discussion were putting goals on savings and determining emergency funds. She also gave an important tip: tracking your expenses is one of the most important things you can do to manage your money.

In conclusion

Managing your finances is perhaps the most important thing you can do to secure a better future – and you can do that at all levels. Whether you’re a student, a working adult, managing a family, or paying off debt, you can always find a way to move forward with your money. This episode will help with that.

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