5 Women You Need to Follow in 2021 for Financial Advice

Last week I told you about how important it is to consume financial education often. One of the easiest ways to do this? Follow personal finance champs on social media and take workshops! This week I introduce you to five women I believe you should follow this year for finance tips, tricks, education, and realness. All these wonderful women make financial education accessible, understandable, and fun! Let’s dive in.

The Financial Diet (@thefinancialdiet)

Chelsea Fagan started The Financial Diet as a personal blog in 2014. Ever since it has grown into a cross-platform media company that provides quality money-related content to young women everywhere. The Financial Diet is a great place to get insight and advice about budgeting, money management, career and education, and your lifestyle. I enjoy being subscribed to their weekly newsletter and consuming the listicles on their site every Money Monday. Check out their Instagram, YouTube channel, and website as a great hub for all things finance.

Berna Anat (@heyberna)

Berna Anat is a hilarious Filipina “Financial Hype Woman.” Her website reads that she is “dedicated to making financial literacy more funny, more accessible, and more Brown for young people everywhere.” And she’s doing just that! I first found Berna on Instagram while looking for financial content creators that made things easy to understand. Her IG stories have helped me find helpful resources and consider important questions about my finances. Also, she does a lot of dancing, money memes, and workshops that give you all the insight, info, and laughs you could hope for. Check out her IG page as well as her website for more on Berna!

Amanda Holden (@dumpster.doggy)

Amanda Holden is your go-to person for investing. She worked in the investment industry for six years before coming into her own and seeing that she wanted to create space for women to talk about money and their lives. Although Amanda has more than just investing insight on her platforms, I have personally benefitted from how she breaks down investing in her workshops and her posts. Check her out on Instagram and check out her old blog, The Dumpster Dog Blog, for more.

Kara Perez (@webravelygo)

Kara Perez brings you feminist economics and inclusive personal finance. Her content tackles both systemic discrepancies and immediate, actionable steps for your personal finance journey. With lots of student loan debt, multiple jobs, and the realization that there’s a lack of representation for people like her in the financial world, Kara decided to create Bravely Go. I completed one of Kara’s workshops last year. It opened my mind to ideas like the importance of real estate, retirement, and the importance of accountability. Check out her IG page and website for more.

Yanely Espinal (@missbehelpful)

Yanely is a great person to go to for help with making informed money choices. Some of her specialties include credit, savings, and wealth building. She is real, Latina, and on the rise in so many ways. Her personal finance stories, e.g., her journey with tackling credit card debt after graduating, inform the content she creates for people in similar situations. I learned a lot about credit from Yanely, and I really enjoy her energy. You should also check out her podcast titled, “Mind Your Money with MissBeHelpful.” There she interviews great guests on their money journeys, dealing with topics like tackling debt, financial freedom, and changing their money beliefs. I am personally subscribed. Connect with her on IG and YouTube as well.

I hope you benefit from their content as much as I have! I’ll connect with you next week with another Money Monday post.

#3: Stuck in Fog


Hello all! Part of my mission with Valencia’s Voice includes reflection, and being honest with myself and others about what’s going on. So that’s exactly what I intend to do in this post. 

For the past couple of days, I’ve noticed that I don’t feel present. I wake up and go through the motions of the day. The day passes, and I end up not remembering any of it. It’s as if night comes by faster than it did before, and there’s nothing new to report. The days all feel the same, and the nights are not all that different either. 

The best way I can describe this is by saying I’ve been stuck in fog. Things are pretty hazy. My feelings aren’t negative, but nothing is clear to me. And I don’t feel as if I’m actually here

As I reflect on it now, I see that it probably stems from the lack of sleep I’m getting. As well as the dissatisfaction I feel whenever I wake up late, which happens because I go to bed too late. It’s a cycle. Sleep late, wake up late, and stay in a dream-like haze until it’s time to sleep again. 

Here’s what I’ve decided to do about it:

  1. Go to sleep earlier – develop a routine of getting ready for bed and sleeping at the same time every night. 
  2. Meditate with the intention of being more present.
  3. Find grounding rituals – things that bring me back to this present moment, such as anything observable with my five senses. 
  4. Talk about how I’m feeling with others frequently. Additionally, engage in meaningful conversations that spark my interest. Perhaps a talk with my accountability partner could bring some focus and motivation into view. 
  5. Reset and assess what it is that I find stimulating, exciting, and motivating in life. 

Understanding this state of mind is an important step to getting out of it. Life is meant to be lived fully. We are meant to experience now. Truly, all we really have is this present moment to live in. I thought it would be important to open up about this fog I’ve been in, and to set up some steps to move forward from it. 

Have any of you experienced anything similar? And if so, do you have any suggestions as to how to move forward? I would love to start a dialogue about this, and create a running list of helpful tips for others who may be feeling the same way. 

All the best,

Valencia Saint-Louis 

#2: Why You Should Have An Accountability Partner

You know what’s great? Having goals. 

You know what’s not? When you don’t reach them.

I was talking to my best friend recently, and  decided to ask them to be my accountability partner. I have a lot of upcoming projects and habits I want to maintain, and I figured some support would do wonders. But then I thought, What exactly is an accountability partner, and what can I gain by having one?

Boxing Coach

I like to think of accountability partners as boxing coaches. The ones that wipe your sweat and give you pep talks. Does that really happen by the way? Or is it just in the movies?

Accountability partners are NOT people that will magically make you more productive or give you willpower. They won’t box the match for you, but they’ll give you some motivation to keep fighting.

Usually when it comes to goals, I tend to move in silence. I don’t let anyone know what I’m plotting until I’ve already accomplished it. But I started to realize that some goals (since no one was holding me accountable to them) became easier to drop. I didn’t stick with them after a while.

For me, I want an accountability partner to help motivate me to continue with my goals, and form positive habits. I’d also like someone to run all my game plans with.

Why Should I Get an Accountability Partner?

I’m so glad you asked! There’s a lot of ways an accountability partner can help you get to where you want to be. Accountability partners: motivate you, support you in what you want to accomplish, give advice and/or resources to help you move forward, and listen to how you want to improve your life. It’s nice to have someone that cares about your betterment, and keeps you on track.

Additionally, regular check-ins with your partner make you more conscious of what you want to accomplish. It also adds some pressure. Progress reports can be a bit embarrassing if you haven’t been doing what you said you would – but that makes you all the more conscious! It propels you to be consistent, to keep your promises to yourself, and to get work done.

Below I’ve included a video featuring my friend Simon Sinek, author and public speaker, to back me up on this. Okay, he’s not exactly my friend, but he’d totally agree with me!

Simon Sinek – Accountability Partners

Where to Start


My best friend and I are currently setting up a date to talk about what we want to get out of our accountability partnership. I already have a bunch of ideas, and I can’t wait to get started. When going into an accountability partnership, it’s important to:

  1. Decide what it is you want to accomplish. What goal do you want to reach? What habit do you want to create/break?
  2. Pick someone that inspires you. Someone that is reliable and can motivate you to be your best (For me, my best friend is very driven and consistent. They inspire me to be self-motivated, and they care about my success as I do theirs).
  3. Establish what you want to get out of the partnership.  How can this person help you with what you seek to accomplish? What do you need most from this person in order to feel motivated and confident about what you’re doing? Talk to your partner about what they can offer you, and make a plan of what works best.
  4. Be vocal about what you can offer your partner. This isn’t just a one-way street. Make sure your partner knows that you are just as much about their success as they are yours. Let them know about the support, skills, and resources you can provide them with to achieve their goal(s).
  5. Set up a time each week to talk about your progress. Make sure you check in with your partner every week (or at least within a convenient, consistent time frame) to discuss how each of you are doing with your respective goals. It could be through text, a phone call, FaceTime, snail mail, walkie talkie, whatever. Check up on one another. In relation to your goals talk about your: successes, challenges, observations, feelings, and reflections.

I’m looking forward to having a partner-with-purpose. A partner-in-productivity. It’ll be nice having someone I can talk to about taking over the worl- I mean, writing blog posts of course. Cheers to many more!

All the best,

Valencia Saint-Louis