Welcome to another episode of "On the House: The Household Management Science Insights Podcast." Host Gabriella is joined by the accomplished Dr. Severine Bryan, an Accredited Financial Counselor® and personal finance educator, as they explore the intricacies of budgeting, saving, and debt management. Dr. Bryan shares her inspiring personal finance journey, recounting how she triumphed over financial hardships following a divorce in her 50s. Her story includes earning her doctorate, rebuilding her credit scores to impressive levels, and significantly growing her net worth—a testament to the transformative power of having a solid financial plan. As the host of the "Dr. Sev Talks Money" podcast, she brings a wealth of personal finance experience and expertise to the conversation. In this episode, the discussion revolves around key topics such as responsible credit card usage, effective budgeting strategies, and practical approaches to saving. Dr. Bryan provides valuable insights on using credit cards responsibly to establish a robust credit history and maintain financial stability. She also imparts practical tips and strategies for creating and adhering to a budget, enabling listeners to manage their expenses, set financial goals, and make informed money decisions. The episode delves into the art of saving effectively and realistically. Dr. Bryan guides listeners through building an emergency fund, saving for future goals, and cultivating a saving mindset. Her empathetic approach emphasizes that financial success is attainable for women and couples alike, provided they have a well-thought-out plan, irrespective of their current financial situation. Tune in to "On the House: The Household Management Science Insights Podcast" to gain invaluable insights and learn how to take control of your financial future under the expert guidance of Dr. Bryan. You can find more about Dr. Sev and her work through the following links: Website: https://www.sevtalksmoney.com/media/LinkedIn: https://www.linkedin.com/in/severinebryan/ Facebook: https://www.facebook.com/SevTalksMoneyYouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoneyPodcast: https://podcasters.spotify.com/pod/show/drsevtalksmoneyJournal and Budget Tracker: https://a.co/d/eHSutSlLatest media mention: https://abcnews.go.com/Business/wireStory/kimberly-palmer-budgeting-cash-stuffing-method-101333597 Produced by the Household Management Science Labs, a division of LMSL, the Life Management Science Labs. Explore LMSL at https://lifemanagementsciencelabs.com/, and visit http://hm.lmsl.net/ for further information about Household Management Labs. Follow us on Social Media to stay updated: YouTube: https://www.youtube.com/@householdmanagementsciencelabsFacebook: https://www.facebook.com/householdmgmt.science.labsInstagram: https://www.instagram.com/householdMgmt.science.labsTwitter: https://twitter.com/HMScienceLabsLinkedIn: http://linkedin.com/showcase/household-management-science-labsTiktok: https://www.tiktok.com/@household.m.science.labsPinterest: https://www.pinterest.com/householdMgmtsciencelabs You can also subscribe and listen to the show on your preferred podcasting platforms: Apple Podcasts: https://podcasts.apple.com/us/podcast/on-the-house-the-household-management-science/id1648508806Spotify: https://open.spotify.com/show/2E9powtiwe0ee7ycQQCTHlAmazon: https://music.amazon.com/podcasts/a654971d-e3e3-46c8-80bd-10655fb6064a/on-the-house-the-household-management-science-insights-podcastiHeart Radio: https://www.iheart.com/podcast/338-on-the-house-the-household-102862777Podbean: https://householdmanagementinsights.podbean.comPlayerFM: https://player.fm/series/3402161Podchaser: https://www.podchaser.com/podcasts/on-the-house-the-household-man-4914170Google Podcast: https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkLnBvZGJlYW4uY29tL2hvdXNlaG9sZG1hbmFnZW1lbnRpbnNpZ2h0cy9mZWVkLnhtbA