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Create a cozy, comfortable home on a budget! * Do you spend hours on Pinterest pinning beautiful images? * Do you go over to a friend’s house and have decor envy? * Do you wonder where to start when it comes to decorating your house? * Are you frustrated every time you walk into your house because you haven’t taken any action on decor? * Do you wish you could create a cozy home on a budget? Friend, I’ve been there... This podcast inspires REAL moms with REAL homes and REAL budgets to transfo ...
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Cosmetology School Accounting is a mini-podcast series. This Podcast Is your go-to resource for navigating the financial landscape of cosmetology schools. We'll cover everything from budgeting and financial planning to audits and regulatory compliance, as well as tax and tax planning, ensuring your institution is financially sound and successful. This nano-cast is designed to provide valuable insights in a quick, easily digestible format—perfect for busy professionals. Join us for a quick mi ...
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Money Elementary

Money Elementary

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Welcome to Money Elementary, the podcast that takes you back to school to learn the personal finance lessons you never got in the classroom! Hosted by Heidi Castillo and co-host, Vanessa Hernandez, this show is your go-to resource for mastering the fundamentals of money management. Join us each week as we dive into essential topics like budgeting, saving, investing, and financial planning, all with the goal of helping you build a stronger financial future. Whether you're a recent graduate, a ...
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Before the first bin of garland comes out of storage or a single Christmas candle gets lit, take a pause. Too often we rush into holiday decorating fueled by nostalgia, Pinterest, and a little panic. But what if this year, your holiday home could reflect how you want to feel instead of what you think you should do? In today’s episode, I’m walking y…
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Do you love the moody, lived-in charm of industrial chic style — but live in a builder-grade home that feels anything but? In today’s episode, we’re breaking down how to bring that raw, elevated, effortlessly cool vibe into any space, no renovation (or exposed brick wall) required. I’ll walk you through what defines industrial chic, the key materia…
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Have you ever picked paint colors you loved in the store—only to regret the decision once they were on your walls? You’re not alone. In this behind-the-scenes coaching call, I’m helping Loraine work through her doubts after choosing aqua, pink, and deep peacock blue for her home. She’s now wondering: Did I make a mistake? Do I need to repaint every…
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We’ve all been there—buying a piece of furniture we thought we loved, only to realize it doesn’t fit the space, doesn’t match the rest of the room, or worse… it becomes an expensive regret...I call those BULLIES (or Decorating Dictators). Decorating mistakes don’t just cost money—they cost time, energy, and confidence. In today’s episode, I’m shari…
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Is your home ready for fall, but you’re tired of the same old pumpkins, scarecrows, and word art signs? 🍂 In this episode, I’m sharing six ways to bring fall into your home that feel fresh, cozy, and elevated—without blasting your rooms with orange and red. You’ll learn: How to use ambient lighting to instantly shift the mood in your space The powe…
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What if decorating your home didn’t have to feel so hard? So time-consuming? So expensive? Inside today’s episode, I’m pulling back the curtain on what really happens when you stop decorating alone and start using a proven shortcut. You’ll hear directly from a member of The Collective, my monthly decorating membership, who went from feeling “meh” a…
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In today's episode I'm sharing the REAL reason why people are stuck in decorating their homes. They know they don't like it, but they don't really know how to move forward. That's where I come in. I believe that the MOST IMPORTANT thing you need to do in order to confidently decorate your home on your own is to LEARN YOUR DESIGN STYLE. I call it yo…
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Have you ever walked through Target or Home Goods in the fall and felt the tug to load up your cart with pumpkins, cozy throws, and autumn-scented candles—only to get home and realize nothing really works together? You’re not alone. One of the biggest mistakes women make when decorating for a new season is buying the latest home décor items before …
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Have you ever looked around your home and thought, “Why doesn’t this feel like me?” Or maybe you’ve made decorating choices that cost more than you’d like to admit—only to regret them later. You’re not alone. In today’s episode, I’m sitting down with a member of The Collective who has walked that very path. When she first started, her home felt dis…
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Have you ever looked around your home and thought, “This room just feels…boring”? You know it has potential, but you’re not sure how to make it come alive with personality and warmth. That’s exactly where my student Dee found herself with her den. Inside The Collective (my monthly decorating membership), she shared her desire to transform her plain…
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If you’ve ever opened Pinterest, typed “home decorating ideas,” and instantly felt overwhelmed (and maybe a little discouraged when you saw the price tags), you’re not alone. Finding decorating inspiration when you’re on a budget can feel like trying to shop champagne taste with a tap water wallet. But here’s the good news: Inspiration is everywher…
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We all have those “What was I thinking?!” moments when we look back at how we decorated our first home—and today I’m pulling back the curtain on mine. In this episode, I’m sharing the top 3 mistakes I made when I first started decorating—and how you can avoid falling into the same traps. From ignoring the foundation of the space (hello, clashing wo…
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This week on Money Elementary ChisME, Heidi, Vanessa, and MEIA break down the real cost of deportation—not just in dollars, but in everyday life. From who picks your produce to who cares for your loved ones, undocumented immigrants aren’t draining the system—they’re sustaining it. We dive into how their labor, taxes, and cultural contributions hold…
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If you’ve ever bought a new rug, throw pillows, or wall art—hoping it would finally pull your space together—only to find your home still feels “off,” this episode is for you. Before you pick up that paintbrush or shop another sale, there’s a crucial step that often gets skipped: organizing. In today’s episode, I’m talking with professional organiz…
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The student loan pause is officially over—and the drama is real. In this episode of Money Elementary’s ChisME, Heidi, Vanessa, and MEIA break down what the return of federal student loan payments means for your wallet, your future, and the economy. From rising delinquency rates to the ripple effects on healthcare, housing, and education—we spill th…
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Hey friend! Ever wonder what it's really like to go from second-guessing every decorating choice to confidently creating a home you love? In this episode, you're getting a front-row seat to a real Decorating SOS coaching call with a client who’s doing just that. We walk through the transformation that’s unfolding in her home—not just visually, but …
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In this episode of Money Elementary’s ChisME, Heidi, Vanessa, and MEIA break down the Federal Reserve’s June 2025 interest rate decision. Why did the Fed hold rates steady again? What does Trump have to do with it? And how do inflation, unemployment, and CEO layoffs create the perfect economic storm? We’re spilling all the financial tea—with a dash…
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Hey friend! Facebook Marketplace can feel like the Wild West of home decorating—one minute you're spotting the perfect vintage mirror, and the next, you're knee-deep in listings for broken recliners and blurry photos of who-knows-what. If you've ever felt overwhelmed, unsure, or like you're wasting time scrolling through clutter, this episode is fo…
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SUMMER SAVINGS EVENT: JULY 21 - 25 The Summer Savings Deal Week is happening JULY 21- 25 at fig & farm (at home)! Mark your calendar for this 5 day flash sale event! Here's how it works: 1. Become a Design Bestie by getting on my email list. Subscribe at: https://bit.ly/designbestie 2. The Deal Week preview catalog will be delivered to your email t…
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Hey friend! On one of the biggest shopping days of the year, let’s take a different approach—one that supports small businesses, saves money, and adds soul to your space. In this episode of fig & farm (at home), I’m sharing my best tips for how to shop flea markets and vintage shows like a pro. Whether you're a first-time market-goer or a seasoned …
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This week on ChisME, Heidi, Vanessa, and MEIA pull back the glittery curtain on the One Big Beautiful Bill. We expose who really benefits from the SALT deduction change, break down the hidden cost of that $2.4 trillion deficit, and uncover tax breaks for the wealthy, cuts to public programs, and a student loan overhaul that could change everything.…
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Hey friend! Let’s be honest—Amazon is fast. Target has everything. And when you’re juggling work, errands, dinner, and kids running in and out of the house all day, convenience feels like the biggest win. But what if that convenience is quietly costing you more than just a few extra dollars? In today’s episode, I’m sharing 5 eye-opening reasons why…
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In this week’s Money Elementary: ChisME, Heidi, Vanessa, and MEIA dive into the surprising exit of the U.S. penny. From production costs to digital payment shifts, this episode uncovers why the penny’s time is up—and what that means for your change jar, your purchases, and the broader economy. Whether you’re cash loyal or fully tapped into digital …
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Hey friend! Is your home still wearing its winter coat? If your space is feeling heavy, dark, or just a little “meh,” this episode is for you. Summer is the perfect time to refresh your home with small, simple changes that make a big impact—and you don’t need to buy all new decor or follow every design trend to do it. In today’s episode, I’m sharin…
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In this week’s Money Elementary: ChisME, Heidi, Vanessa, and MEIA break down how money flows through our economy—starting with the Federal Reserve, through the banks, and finally to us. We simplify the mystery behind how money is added or taken out of circulation, what signals the Fed looks for, and how it all affects inflation, interest rates, and…
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Is your home starting to feel a little tired, stuck, or even… cheap? You’re not alone—and the good news is, it’s not about needing a full renovation or designer budget. It’s often just a few outdated elements holding you back from the cozy, stylish home you really want. In this episode, we’re diving into six common decorating choices that could be …
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In this week’s episode of Money Elementary: ChisME, Heidi, Vanessa, and MEIA break down the Fed’s May 2025 decision to hold interest rates steady at 4.25–4.5%. They unpack why the Fed is keeping things calm — not to shock the system — and how this strategy aims to stabilize the economy without triggering another inflation spike. The trio also expla…
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In this episode of Money Elementary, Heidi, Vanessa, and MEIA break down the tangled mess of inflation, recession, and stagnation using real-life examples and a sizzling restaurant analogy. MEIA explains how what feels like “just higher prices” is actually a warning sign of deeper economic shifts. They uncover how tariffs sneak up on your wallet, w…
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Hey friend! This little 'radio show' (you'll hear more about that on the podcast) is celebrating 4 years and that means I want to GIVE you something to celebrate!! Please take a moment to leave the show a 5* review...doing so allows other women just like you to find the show! Wondering how to leave a review? It's easy: 1. Find fig & farm (at home) …
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Hi friend! Are you tired of tripping over the pile of shoes or backpacks that inevitably pile up near the front door or spill out of the laundry room? Do you constantly get bogged down by the endless pile of papers that accumulate on your kitchen countertops? Do you wonder why you can't ever find the thing that you're certain you already owned? It …
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In this episode of Money Elementary, Heidi, Vanessa, and MIA spill the chisME on how the Federal Reserve is quietly running the economy like a behind-the-scenes boss. MIA breaks down how interest rates, bond expirations, and the Fed’s cookie-stashing ways are either feeding or starving the economy. From loan shortages to recession red flags, the tr…
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Hey friend, If you love the charm of traditional farmhouse style but crave something a little more elevated and fresh, farmcore might be exactly what your home needs. In this episode, I’m introducing you to a trending home decor style that blends the coziness of cottagecore (remember episode 15?) with the classic appeal of farmhouse design—creating…
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In this episode of Money Elementary, Heidi, Vanessa, and MEIA spill the chisme on why the U.S. economy just shrunk for the first time in years. MEIA breaks down how panic over tariffs led to a flood of imports, which dragged down GDP like a bad breakup. From rising prices to shrinking paychecks, the trio unpacks how this economic drama affects your…
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Decorating your home shouldn’t feel like a guessing game. But if you’re constantly second-guessing your choices, returning items, or wondering why this feels so hard when everyone else seems to make it look easy—you’re in the right place. If you’re a REAL mom with a REAL budget and a REAL home who wants a cozy, beautiful, pulled-together home but f…
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Are you endlessly pinning, scrolling, and watching decorating videos—but your home still looks the same? You're not alone. If you're a woman in your 40s, 50s, or 60s who wants a home that feels cozy and looks pulled together—but can’t seem to move past the overwhelm—you’re in the right place. In today’s episode, we’re diving deep into the real reas…
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In this episode of Money Elementary, Heidi, Vanessa, and MEIA break down the political novela that is the “Big Beautiful Bill.” MEIA dishes on how the bill promises tax cuts, border spending, and energy shakeups—but also slices away at social programs, sparking some serious side-eye from Democrats. Heidi wonders if it’s a power move or a financial …
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Hey friend! Did you know that multiple studies have shown a direct correlation between a cluttered environment and elevated levels of cortisol — our body’s primary stress hormone? When our surroundings are messy or chaotic, our brain perceives it as “unfinished business,” which keeps us in a state of stress. So even if you're not consciously thinki…
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Hey friend! Sometimes we are in different seasons of decorating. Sometimes we're in an active sprint - actively painting, re-tiling or choosing large pieces of furniture before a specific deadline. Other times we're at a much slower pace - absorbing information and gathering inspiration, while simultaneously making a plan. But then there's the thir…
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Hey friend! Do you ever wonder how to create a home that reflects you, looks cohesive and one that you're proud of? Want to know the secret? It all starts by learning your personal style, or aesthetic. It's the foundation and key to helping you: * get out of overwhelm * make confident decisions * feeling less frustrated and confused * save money wh…
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Hey friend! Have you ever wondered how designers get scale and proportion 'just right?' Or you've thought - they were born with great spatial awareness so they must be innately good at seeing a room and feeling if it's 'off' or 'perfect.' The real design secret: it comes down to math! In today's episode I'm sharing a bit of history about the ancien…
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Hey friend! Are you constantly overwhelmed by too many decorating decisions or frustrated by the amount of choices you have for any given thing: pillows artwork throw blankets paint tile You name it...there seems to be a million and one choices you can make, so how do you simplify? That's what we're talking about in today's episode. 5 ways you can …
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Hey friend! Are you oozing with ideas and overloaded by inspiration for your home, but you lack the time to implement and execute? The truth is - we all have the same 24 hours in a day. The other truth is - we, as busy mamas, juggle a lot and hold so many plates and wear so many hats on any given day it should be illegal. So how do we carve out any…
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Hey friend! Are you sick and tired of stuff making the decisions around your home? "Where should we eat dinner?" (says STUFF all over the dining table) "No space here to play the game." (says STUFF all over the coffee table) "Spend more money on groceries." (says STUFF that engulfed all your grocery coupons and now you can't find them) STUFF rules …
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Hey friend! I love Amazon just as much as the next guy, but sometime the "I want it yesterday" mentality can distract us from the goals we have for decorating a more cohesive, unified looking home. In today's episode I'm teaching you about the concept of SLOW DECORATING - what it is, why it's beneficial and how to do it. HINT...if you haven't yet r…
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Hey friend! Do you ever wonder which items you should splurge on (and which to save) when you're decorating or furnishing your home? This common question is something we're talking about in today's epsiode. What home decorating items should I splurge on and which should I save money on? Saving and splurging is all based off of personal finances, pr…
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Hey friend! Have you ever wondered what it's like to take a peek behind the scenes - getting a sneak peek of how things run or a closer look at the inner workings? That's what today's podcast is about. You are getting a sneak peek at what group coaching looks like inside The Collective! The women I meet with monthly are amazing, inspiring and ACTIO…
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Hey friend! So you're ready for a little update or refreshing your space and you don't have a large budget? Using what you already have is easier than you might think, but knowing how to use it can require a bit of imagination. In today's episode I'm sharing my 5 Rs - a strategy I use when I'm ready for a fresh new look in my home that doesn't requ…
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Hey friend! You've heard the phrases: "Home is where the heart is." "There's no place like home." "Home is a feeling." TRUE...all of that. But home has a backdrop, a landscape to the heart and home definitely has a feeling. How you feel about your home is shrouded in every memory - those that provoke laughter or tears. If you don't like the backdro…
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Hey friend! Listener, Gabrielle, wrote in about her dining room. She loves everything about it except her dining table, chairs and area rug. She's feeling lost and confused with which decisions she should make to ensure her room is cohesive. And the best part? She included pictures!!! If you'd like to see this beautiful dining room along with the a…
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Hey friend! Do you ever wish you had a home that was a little more organized? Wonder where to start when it all feels so overwhelming? And is there really such a thing as combining function AND beauty? In today's podcast, I'm sitting down with declutter coach and professional home organizer, Kristina Borseti to talk all things home organizing. Prac…
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