How to Save More Money, Pay Off Debt and Reach Your Financial Goals in 2025 | Beverly Harzog

Are you ready to transform your finances? Nationally recognized personal finance expert Beverly Harzog joins Kembala Evans for a money conversation on how to do just that. They explore the importance of setting specific financial goals, practical tips for budgeting and saving, and the emotional aspects of spending. 

Beverly stresses you don't have to give up everything to reach your financial goals. 

Beverly shares her remarkable personal journey from being in debt to achieving financial empowerment, emphasizing the need for self-awareness and strategic planning in managing finances. She also stresses the importance of Knowing Your Worth and the steps she took to get it.

Throughout their conversation, they share personal experiences and practical advice for achieving financial wellness and empowerment. They discuss various aspects of personal finance, including the impact of social pressures on spending habits, the importance of planning for financial goals, and strategies for saving. 

Key Highlights:

• The #1 New Year's Resolution in 2025 - Saving More Money
• Setting goals and laying out a plan with actions to achieve them.
• Tracking spending helps you gain more understanding of your finances.
• Beverly's journey from $21,000 in debt to financial empowerment is inspiring.
• Emotional spending can lead to financial difficulties.
• Planning ahead can save you money and give you more peace of mind.
• Understanding the difference between needs and wants is key to budgeting.
•  It's not just the need to keep up with the Joneses that people struggle with.
• Using tools like budgeting apps can help track expenses effectively. 
• Building an emergency fund is crucial for financial security.
• Using credit cards wisely can lead to rewards and benefits.
• Financial anxiety can affect overall well-being and quality of life.
• Self-control and discipline are essential in personal finance management.
• Enjoying life while being financially responsible is achievable with careful planning.
• Spending less than you make is fundamental to financial health.

For more financial tips, check out Beverly's "Your Personal Economy" video podcast on YouTube.

Bankrate’s 2025 Annual Emergency Savings Report

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