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Tangia Renne Travel and Wellness Series on The Thought Card and Skin You're In Podcast. Learn how to get back in your routine after a trip.

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This is Part II of the Travel and Wellness Series with Tangia Renee, the host of The Skin You’re In Podcast. Tangia Renee is a women’s empowerment speaker, Certified Personal Trainer and coach. She helps women prioritize self-care and break up with diet culture. In this episode, we chat about how to make wellness conscious decisions and more.

A special thank you to my Patrons!

In this episode we cover:

  • How to budget for trips
  • Tips for prioritizing your values and aligning your spending
  • How to pick travel destinations
  • How to find gyms nearby to your accommodation
  • Hotels vs hostels
  • What to pack to protect your health when you travel

Resources Mentioned

Connect with Tangia Renee

Website: https://www.tangiarenee.com

Podcast: The Skin You’re In Podcast

Facebook: @theskinyoureinpodcast

Instagram: @SkinYoureInPod

Travel tips for prioritizing wellness with Tangia Renee.

How do you manage your money on a trip and prioritize your wellness?


If you enjoyed this episode and want to learn more about travel and wellness, check out Episode 41: Travel and Wellness with Tangia Renee – this is Part I of the Travel and Wellness Series.

Tangia Renne Travel and Wellness Series on The Thought Card and Skin You're In Podcast. Learn how to get back in your routine after a trip.

Listen on Apple Podcasts | Google Podcasts | Spotify | Stitcher

Taking care of your mind and body is very important when you travel. That is why I invited Tangia Renee, the host of The Skin You’re In Podcast on the show. The Skin You’re In is a podcast about demystifying all things wellness, health, and fitness for women to love their bodies, prioritize their wellness, and finally feel incredible in their own skin.

Tangia Renee is a women’s empowerment speaker, Certified Personal Trainer and coach. She helps women prioritize self-care and break up with diet culture. In this episode, we chat bout travel and wellness – how to set intentions for your wellness on a trip and ways to better manage your money.

Want to save more for travel? Save your spare change with Digit.

In this episode we cover:

  • What to do on vacation to stay healthy
  • Things to pack for your wellness
  • How to not go over board
  • Should you workout or not

Connect with Tangia Renee

Website: https://www.tangiarenee.com

Podcast: The Skin You’re In Podcast

Facebook: @theskinyoureinpodcast

Instagram: @SkinYoureInPod

How do you maintain your health and wellness on the road?


If you enjoyed this episode and want to learn more about why having a travel fund is important, check out Episode 2: Why You Need a Travel Fund.

Also, use Digit to save even more money towards your next trip. Sign up today and get $5!

Denis O'Brien host of Chain of Wealth Passive Income Streams and Side Hustles
How to get ahead in life by setting up passive income streams.

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Denis O’Brien is a Chartered Accountant who is passionate about money and personal finance. Along with his fiancé Katie Welsh, they run Chain of Wealth a personal finance blog and podcast that inspires millennials to openly talk about money and tackle their financial issues. Together Katie and Denis have paid off $200,000 of debt in less than 2 years and they inspire others to reach their financial dreams by creating easy to understand resources. Chain of Wealth has been featured in USA Today, Nerd Wallet, Rockstar Finance and other publications. In this episode, Denis shows us how he has set up different passive income streams to reach his goals and how you can too!

In this episode we cover:

  • What is a side hustle?
  • Why people should consider multiple income streams
  • The difference between side hustles and passive income
  • How to convert an active income stream into passive income
  • How passive income helps build wealth

Resources Mentioned:

Passive Income: Ideas For Setting Up Multiple Streams of Income – Chain of Wealth

Making Sense of Affiliate Marketing Course

Hosting Your Pad Course

The Millionaire Next Door by Thomas J. Stanley and William D. Danko

The Side Hustle Show by Nick Loper

Freelance Friday Podcast by Latasha James

The Freedom Hustler Podcast by Dielle Charon

Do You Even Blog by Pete McPherson

Our Favorite Investment Apps:

Acorns – Acorns helps you invest your spare change automatically. Get $5 by signing up today.

Robinhood – Invest in stocks, ETFs, cryptocurrencies commission-free right from your phone or desktop.

Stash Invest – A micro investing app which helps you learn, save and invest.

ChangEd – Analyzes your spending, collects your spare change and puts it towards your student loans.

Connect with Denis O’Brien:

Blog: https://www.chainofwealth.com

Facebook: @chainofwealth

Facebook Group: Chain of Wealth – Invest in Your Future

Twitter: @chainofwealth


Be sure to rate and review the show, and if you’d like a shout out on the next episode, screenshot your review and tag me on social media @thethoughtcard!

Multiple Bank Accounts
Saving money at the airport and why you should consider having multiple bank accounts.

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In this mini-episode, I share how you can save money on coffee at the airport and why you should have multiple bank accounts. For more money tips, join me live every Sunday over on my Facebook page (@thethoughtcard).

Tip #1: Instead of buying coffee at the airport, get free coffee during your flight. Now it might not be a latte or frappuccino but it still does the job. So if you want to save money on coffee, get it for free on your next flight.

Tip #2: Unlimited free Wi-Fi has become very popular in airports. While waiting for your flight, get some work done or connect with family and friends on social media by taking advantage of the free Wi-Fi.

Tip #3: Having multiple bank accounts is any easy way to manage your money. It allows you to see each line item on your budget separately so at a glance, you know exactly how much money you can spend.

Tips for setting up multiple bank accounts:

  • Figure out how many accounts you need based on your budget.
  • Next take advantage of automation – direct deposit money from your employer into specific bank accounts so all you have to do swipe and spend.

Resources Mentioned:

Back to Budgeting Basics: Why You Need Multiple Bank Accounts

REVIVE Your Budget Challenge – this free budgeting challenge focuses less on number crunching and more on reframing your mindset so you can reach your financial goals sooner.

Need help setting financial goals? Check out Episode 21 where we explore how setting better financial goals can lead to financial success.


This episode of The Thought Card is sponsored by my Back to Budgeting Basics course. In this self-paced online course we debunk the myths that budgeting is “hard” and I help you quickly create a personalized goal-centric budget that aligns with your priorities and values.

A budget is a powerful wealth building tool which helps you reach your financial goals. So if you tried budgeting in the past and lost momentum, or have been winging it, and haven’t really seen much progress, this course is designed for you.

If you want to pay off your debt, save some extra money or have the cash on hand to do the things you love, it’s time to take control of your finances and learn how to set yourself up for financial success with this signature budgeting course.

Tips for things to do after reaching your emergency fund goal.
I hit my savings goal…now what?


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So you’ve stashed a significant amount of money away in your emergency fund. Congratulations! But now that you’ve accomplished your savings goal, you might be wondering, what’s next? In this mini episode, I share ideas for what you can do after you’ve reached your emergency fund savings goal.

Don’t forget to join me live every Sunday over at The Thought Card on Facebook!

Why have an emergency fund?

One of my favorite sayings that you can apply to your personal finances is “When you stay ready, you never have to get ready.”

An emergency fund is important because just in case something happens, you have money set aside for unexpected expenses. It can also save you from going into debt.

For example, if you lose your job, at least you have money to cover your expenses for a few months.

More Resources:

Read >> Emergency Fund Dos and Don’ts

Listen >> Episode 21: How to Set Yourself Up for Financial Success by Setting Financial Goals

How much should you have in your emergency fund?

It really depends on how much you think you’ll need. Everyone’s savings target will be different.

However, conventional wisdom says that you should have anywhere between 3-12 months of expenses saved in your emergency fund.

How did I do it?

I started my emergency fund by saving $1,000.

This is actually what personal finance guru Dave Ramsey suggests as well. In Baby Step 1, Dave Ramsey suggests saving $1,000 in your starter emergency fund for when something unexpected comes up.

After you’ve saved $1,000 now what?

My Top Emergency Fund Milestones:

  • Save $1,000 in emergency fund
  • Save $5,000 in emergency fund
  • Have a $500 to $2,000 buffer in my main checking account. This pot of money serves as the first line of defense and gives me some leeway to spend without having to dip into my emergency fund.

Found this episode informative?

Share your thoughts by leaving a review on Apple Podcasts!


This episode of The Thought Card is sponsored by my brand new course Back to Budgeting Basics. In this fundamental budgeting course, I teach you how to create a goal centric budget that helps you accomplish your short and long term financial goals faster. I also teach you how to track where your money is going every month, organize your banking and create a simple money routine.

How to set financial goals. Best practices for setting financial goals.
Learn how to set financial goals like a pro!

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Goals are important because they allow you to create your future today. Although a lot of people set financial goals every year, most people don’t actually end up sticking with them because they get distracted along the way. So how do you set financial goals that you will achieve? In this episode, I share easy ways to set yourself up for financial success by setting financial goals that are a good fit for your life right now.

Don’t forget to check out my course Back to Budgeting Basics. In this course we debunk the myths that budgeting is “hard” and I help you manage your money so you can quickly achieve your goals.

Sign up for Back to Budgeting Basics here.

Things to Consider When Setting Financial Goals

1. Assess your current situation.

When you’re setting financial goals, what you’re really doing is assessing where you are right now and determining where you want to be in the future.

To do this, ask yourself:

  • Where am I right now?
  • What do I want to accomplish?

Helpful Tip: Money serves different purposes. You can spend money, save, pay off debt, invest or give money to charity.

Typically financial goals will fall into one of these major categories.

2. Is your goal too hard?

You are less likely to achieve goals that are too difficult.

Truth is, the best goals are realistic but not too over the top.

3. Check yourself.

Are these goals for you or are they based on what others want for you?

Set financial goals based on what you want for yourself not what you think others want for you.

4. Create an emotional connection.

Can you visualize yourself achieving your goal?

What sort of emotions will you feel when you accomplish your goal?

Will you feel excited? Calm? Relaxed?

Remember, it’s easier to achieve goals that you are emotionally connected to.

5. Bridge the gap.

To bridge the gap, break down your goals into smaller more manageable tasks or mini bite-sized goals. You can do this by setting monthly, weekly or daily goals.

6. Celebrate milestones.

Lastly, be sure to celebrate any big milestones or money wins. This will give you the motivation to keep going.


Did you find this episode informative?

Take a screenshot of you listening to the show and tag me @thethoughtcard on Twitter, Facebook or Instagram so I can personally say thank you!

Be sure to check out Episode 17 where I share my biggest lessons learned in 2018.

And catch the next episode where we chat with Frantzces from Chronicles Abroad about living, working and traveling abroad.

My experience living roommates and house hacking for 13 months.
Is having roommates all it’s cracked up to be? 

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In today’s mini episode I share why I rented out two bedrooms in my house and some of the challenging situations that I had to deal with while living with roommates. What was living with two roommates like? I would be lying if I said that living with roommates was easy but after 13 months of house hacking, I can look back at my experience, appreciate the lessons and move on with my life. 

Living with two roommates was extremely challenging – there were plenty of stressful moments, lots of annoying moments and quite a few tears. The truth is, after signing the dotted line and buying a house back in May 2017, I quickly realized that I wasn’t financially prepared for the aftermath.

What was living with two roommates like? 

Here I was the owner of a beautiful home but I had no furniture or working appliances. My house was empty and I didn’t have any money saved up for furniture or decorations. 

Slowly buying what I needed, I got roommates to help pay off all the credit card debt that I accumulated and offload some of my monthly expenses.

What’s important here is that I had a goal for the extra income. I used the extra income to pay off debt, pay my monthly bills and I saved the rest. 

Although there are obviously plenty of financial benefits to having roommates, it’s not always about the money. You have to also think about how having roommates may affect your mental and physical health.

Overall, I’m thankful that I’m at a point where I can afford to live on my own now. 

Helpful Tip: When saving for a house also save up for furniture, appliances and repairs. 


Are you enjoying the show? 

Listen to more episodes of The Thought Card like Do You Check Your Paychecks? 5 Things I Learned From Not Checking Mines. In this episode I share my paycheck mistake story and why it motivated me to continue to work towards financial independence.  


Meet the Host – Danielle Desir 

My name is Danielle Desir, and I believe that when we make informed financial decisions, we can go extremely far. As a financially savvy traveler, I also believe that anyone can afford to travel, and this podcast shares the tools and resources, secrets and stories of how travelers from around the world are making smart money decisions to afford to travel more, pay off debt and build wealth.

Read more about me here.