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Speaker 1: Hey, hey, hey, ba fan, we have another how to

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Speaker 1: throw back for two. That's you and Spanish. If you

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Speaker 1: spoke Spanish, you would know that summer is here. So

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Speaker 1: we're looking back at how to travel on a budget

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Speaker 1: featuring Victory Bino. Okay, so listener, Victory needed some advice

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Speaker 1: on how to budget and fund her business and travel plans.

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Speaker 1: And of course you know I did not disappoint with

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Speaker 1: my expert business advice on me. I've been in this

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Speaker 1: game for years. It's may be animaled. This rules to

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Speaker 1: this I wrote me and Manuel. Okay, plus, learn how

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Speaker 1: to get the biggest bang for your buck while vacationing

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Speaker 1: this summer.

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Speaker 2: Check it out. It's time for the b a qa a.

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Speaker 1: The b a q a with Tiffin A, the b

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Speaker 1: a q a with Mandad but she ain't here today,

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Speaker 1: the b a q a with Victory A let b

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Speaker 1: a qa a. We have a guest in the stew

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Speaker 1: Her name is Victory ban woh and so Victory is

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Speaker 1: I don't even know. I mean, we all see if

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Speaker 1: she's a DreamCatcher. She had mentee, it was Victory. But

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Speaker 1: she is going to ask two questions of me today.

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Speaker 1: And if you would like to be in the stew

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Speaker 1: at any moment in time, or just have a question answered.

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Speaker 1: You can go to brandnambispodcast dot com click click contact us.

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Speaker 1: You can go and fladden our dms at Brianambision podcast

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Speaker 1: on ig the BA podcast on Twitter, briannabishonpodcasts at gmail

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Speaker 1: dot com. Yeah, all those ways you could be like

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Speaker 1: Victory in the stew, Welcome Victory.

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Speaker 2: How are you hi, Tiffany. I'm good.

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Speaker 3: I'm actually a mentee, so that's where I'm from. I'm

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Speaker 3: from the Patroon community. And it's been such an awesome

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Speaker 3: I think it's already almost a year since you know,

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Speaker 3: you started mentoring us, so it's been awesome.

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Speaker 1: Yes, so she's part of my mentor Tiffany dot com.

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Speaker 2: That's awesome.

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Speaker 1: So most of y'all know me as the Bunjanista obviously

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Speaker 1: personal finance. But I've been in the business for over

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Speaker 1: fifty years. I mean fifty yeah, right, girl, I've been

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Speaker 1: in business for fifteen years and I've made about fifty

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Speaker 1: million dollars about give or take in business. I mean,

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Speaker 1: I've got a New York Time bestseller award winning podcast.

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Speaker 1: Just like there's so many things in business that I've

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Speaker 1: done online school, I've had a marketing company. Just so

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Speaker 1: many things that I've done in business, and I get

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Speaker 1: the request of mentorship all the time. And I already

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Speaker 1: have like ten to fifteen, like in person mentees that

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Speaker 1: I talked to on the phone or see in person.

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Speaker 2: But the request just can't pouring in.

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Speaker 1: So I said, well, let me see what it would

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Speaker 1: look like to maybe mentor people digitally. And so I

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Speaker 1: started my mentor Tiffany dot com and Victory joined and

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Speaker 1: so now she's here. So Victory, now you get to

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Speaker 1: ask me a question up close and in personal, and

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Speaker 1: so I'm close and personal. If you want to be

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Speaker 1: a mentee, it's just my mentor Tiffany dot com and

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Speaker 1: you can join us all over there. It's twenty bucks

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Speaker 1: a month. I mean, at least while I'm recording this.

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Speaker 1: Who knows what to be a by the time you

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Speaker 1: listen to it.

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Speaker 2: But all right, Victory, what's your first question?

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Speaker 3: Yes, So my question, really, Tiffany, is how do I

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Speaker 3: structure my budget? You know, you talk about personal finance

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Speaker 3: a lot and not really a lot of the things

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Speaker 3: that you suggested are very helpful, and even from the

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Speaker 3: book structured my budget But my question now is for

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Speaker 3: somebody who's starting a business, how do I make my

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Speaker 3: dollars stretched to where I'm able to cover my bills,

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Speaker 3: meet my personal financial goals, but then also fund a business.

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Speaker 3: I don't necessarily want to get a VC or an investor.

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Speaker 3: I want to fund a business myself. But I'm trying

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Speaker 3: to figure out how to structure my budget in such

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Speaker 3: a way that I make my money stretch that.

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Speaker 2: Or even go ahead, I'm sorry, or even one?

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Speaker 3: Or is it I guess? Is it too Is it

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Speaker 3: reaching too for too much to say, Hey, I want

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Speaker 3: to reach my personal financial goals and also invest in

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Speaker 3: the business. Do I have to pick one? Or you know,

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Speaker 3: how what do you suggest?

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Speaker 2: Well, victory, I'll say that one. You don't. I want

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Speaker 2: you to be a business.

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Speaker 1: To be a really good business owner founder, you have

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Speaker 1: to learn to be super flexible. So one it might

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Speaker 1: look like at the beginning you're not a hundred percent

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Speaker 1: entrepreneur like I wasn't in the beginning. I started the Budgetista,

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Speaker 1: which was making me zero point zero or zero dollars,

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Speaker 1: but I was babysitting, I was tutoring, I was doing

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Speaker 1: all this other stuff. I had unemployment at the time,

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Speaker 1: I'd lost my job and that's really how I was

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Speaker 1: paying bills. The business did not pay me anything for

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Speaker 1: the first few years. So don't be afraid to have

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Speaker 1: other things fund like whether you have like a job,

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Speaker 1: like a regular job, and it's funding your business.

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Speaker 2: There's nothing wrong with that.

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Speaker 1: Like very few businesses make money straight out the gate

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Speaker 1: enough to support you, So it's okay not to be

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Speaker 1: one hundred percent entrepreneur. You might even have a business

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Speaker 1: before the business. So I know a woman, her name

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Speaker 1: is Arsha Rsha has this company called Capital DC Wait

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Speaker 1: Capital City Mumbo Sauce. It's like a mixed between like

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Speaker 1: barbecue sauce and like ketchup.

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Speaker 2: I don't know.

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Speaker 1: It's very popular in the DMV, which is DC Virginia,

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Speaker 1: Maryland area Mumbo sauce in general.

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Speaker 2: So Arsha knew you wanted to.

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Speaker 1: Do this sauce, but a physical product is very expensive

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Speaker 1: to produce, and so what she did was years before

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Speaker 1: she was able to launch that, she started a T

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Speaker 1: shirt business, which is very print on demand because a

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Speaker 1: lot of these companies print full. Someone can order it

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Speaker 1: and they won't print it until it's ordered, so they

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Speaker 1: don't have any waste, you know. And so she started

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Speaker 1: to teach her business called Teas in the Trap, and

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Speaker 1: so that business required next to no overhead. She just

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Speaker 1: had to figure out whatever her designs were, and people

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Speaker 1: would buy the T shirt, the place would printed and

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Speaker 1: mail it for her, and she would get money.

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Speaker 2: And so she stacked up on that.

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Speaker 1: Money and that easier business, so then she was able

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Speaker 1: to fund the business that really needed money. Hold that

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Speaker 1: thought and we'll be right back. So the Budgetista was

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Speaker 1: the business of Tiffany, Right. So that's like speaking engagements

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Speaker 1: that doesn't really cost me anything. That's like I've done

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Speaker 1: like a spokesperson work that doesn't cost me anything. So

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Speaker 1: when I launched a liver Richer Academy, it costs me

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Speaker 1: a lot of money because I had to get the platform,

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Speaker 1: I had to pay the instructors. I could not have

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Speaker 1: launched the academy from the gate. I did the Budgetista

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Speaker 1: for the first five or six years, and then the

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Speaker 1: Budgetista had enough money to lend this new company money.

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Speaker 1: It was like maybe thirty thousand dollars of the Budgetista

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Speaker 1: had squirrelled away, gave it to the academy to get started,

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Speaker 1: and then the Academy over the year or two paid

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Speaker 1: it back to Budgetista. So you can sell fund through

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Speaker 1: like a business. Before the business, you could sell fund

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Speaker 1: through just working uber, you know, like all these other things.

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Speaker 1: You know, So you want to get really creative and

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Speaker 1: flexible about how you fund the business if you don't

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Speaker 1: want to take because I don't have any outside investments,

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Speaker 1: I don't have any loans, any debt. Now I'm not

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Speaker 1: saying you don't you shouldn't do those things. I'm just saying,

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Speaker 1: since what you're saying victory sounds like you don't want

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Speaker 1: to do those things. So that's how it's a flower

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Speaker 1: path to do you know, that way, But it's to

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Speaker 1: me it allows us to sustain because I don't owe

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Speaker 1: anybody any money, and I don't have any debt, and I

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Speaker 1: own all of my businesses one hundred percent.

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Speaker 3: Right, And that makes a lot of sense because I've

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Speaker 3: also done different side hustles if you will, just to

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Speaker 3: you know, have some extra income. But it sounds like

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Speaker 3: if I'm more what you're saying is if I'm being

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Speaker 3: more intentional about saying, hey, I'm going to do this

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Speaker 3: side hustle to particularly put gather that capital for the

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Speaker 3: business versus having to maybe go for outside funding or

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Speaker 3: take out a loan or do something like that exactly.

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Speaker 1: And I'm not saying you shouldn't take that, Alan, I'm

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Speaker 1: saying that, you know, you want to be mindful that, like,

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Speaker 1: if I take out this loan, there are terms. So

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Speaker 1: the terms are you know, you have to pay it

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Speaker 1: back with it a certain amount of time. We're like,

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Speaker 1: do I think the business will be up and running?

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Speaker 1: I liked for me, I called the bank of Budgetista.

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Speaker 1: So I'm like, because she's a lot more lenient and

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Speaker 1: because in case I don't have the money to pay

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Speaker 1: back just yet, She's like, all right, girl, you got

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Speaker 1: one more year, you know. And So I built a

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Speaker 1: business where the overhead was low, you know, the cost

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Speaker 1: to start it was low, so I can make money

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Speaker 1: so I can do other things. So if I ever

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Speaker 1: wanted to launch another business, I probably would do it again.

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Speaker 1: I would just go to the Janista and say, hey, girl,

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Speaker 1: can you lend me money to start this other thing?

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Speaker 1: And I'll pay you back.

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Speaker 3: That is smart.

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Speaker 2: That is smart.

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Speaker 3: You have me thinking now, I'm thinking what about ideas

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Speaker 3: or what I can do to the business before the

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Speaker 3: business Just you know, brainstorming.

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Speaker 2: Go ahead, Victory, the floor is yours. What's your second question?

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Speaker 3: So my second question is about traveling. Really, I know

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Speaker 3: you've you've talked to some about, you know, some of

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Speaker 3: the travels that you've done. And because my business involves

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Speaker 3: going to Nigeria and I have to do a lot

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Speaker 3: of traveling, So what are some I guess advice or

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Speaker 3: tips that you have about how to make the best

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Speaker 3: of traveling since I do have to travel internationally a lot,

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Speaker 3: and you know those aren't like cheap flights or you know,

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Speaker 3: take cares on hotels and things.

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Speaker 2: No, this is great, So this is more like a

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Speaker 2: budget at a question. So, yes, I do travel a lot.

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Speaker 1: So one of the things Victory like for travel, there's

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Speaker 1: a new tip I just learned, so I'm gonna put

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Speaker 1: a pin in that one.

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Speaker 2: But one is I try my.

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Speaker 1: Best, you know, when it makes sense to be loyal

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Speaker 1: to a specific airline because I can't earn points in

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Speaker 1: order to then to earn points for free travel, you know.

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Speaker 1: And then I also try my best if I was

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Speaker 1: gonna buy when I buy my tickets, to specifically get

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Speaker 1: a credit card specifically geared toward earning points for travel.

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Speaker 1: So Chase makes a good Chase Venture card Capital one

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Speaker 1: has a good one. AMX is pretty good for travel,

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Speaker 1: you know, so to earn points. So like right now,

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Speaker 1: like for example, I've earned enough point.

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Speaker 2: I have an.

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Speaker 1: AMX Platinum card, and I have that for my business,

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Speaker 1: you know, and so we put all of our business

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Speaker 1: expenses on it. And as a result, I have enough

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Speaker 1: points for like a ton of travel, and so you

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Speaker 1: want to maximize that, you know, Like if you're going

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Speaker 1: to use a credit card, use it for it to

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Speaker 1: earn you travel points also too, Like I mean, I

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Speaker 1: know you're traveling internationally, but in general, Like right now,

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Speaker 1: I'm in a hotel and I try to stay within

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Speaker 1: the Bonvoy family that's like Marriotts and things, because you

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Speaker 1: earn points there too, so I can earn free nights,

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Speaker 1: I can earn free upgrades.

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Speaker 2: So one of the best ways to navigate with travel is.

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Speaker 1: To, you know, to try your best to stick to

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Speaker 1: loyalty when it makes sense. The difference is like hundreds

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Speaker 1: and hundreds of dollars in tickets or whatever. It might not,

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Speaker 1: but I try to be loyal so that way I

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Speaker 1: can get additional points toward additional free travel. Something else

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Speaker 1: that I've heard is, I don't know if you've ever

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Speaker 1: heard of a have you heard of a VPN? So

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Speaker 1: VPNs are these ways to log in. So I use

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Speaker 1: it for the first time when I went to Bali

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Speaker 1: a year or so back. It allows me to look

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Speaker 1: like I'm not in Bali online. There's a whole bunch

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Speaker 1: of VPNs are not too terribly expensive. It allows you

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Speaker 1: to log in from whatever country you want when you're

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Speaker 1: on your computer. And so I was having a hard

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Speaker 1: time logging into my social media in Bali because Facebook, Instagram,

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Speaker 1: they all thought that I was trying to hack into

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Speaker 1: my own account.

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Speaker 2: So I had to get a VPN, which.

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Speaker 1: Basically is I can't remember what it stands for, but

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Speaker 1: it allows me to say, even though I'm in Bali,

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Speaker 1: my computer looks like it's still in the United States.

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Speaker 1: And with VPNs, where people used oftentimes to like like,

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Speaker 1: for example, the Netflix that you see in Nigeria is

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Speaker 1: not the Netflix that you'll see in the US. So

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Speaker 1: with them, if you're logged in under your VPN, you

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Speaker 1: can watch whatever people in Nigeria are watching via Netflix.

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Speaker 2: But what's really great about it is.

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Speaker 1: That there are certain times when you can buy flights.

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Speaker 1: You can say if I bought my flight looking like

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Speaker 1: I was in Nigeria on the United website, you actually

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Speaker 1: might save money. So you can get this VPN and

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Speaker 1: say if I bought my flight as if I was

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Speaker 1: in France buying my flight from the US to Nigeria.

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Speaker 1: So I just saw that hack the other day. I

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Speaker 1: was like, Wow, my sister who is actually in Nigeria

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Speaker 1: right now. My sister Lisa and my sister Tracy, they're

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Speaker 1: in Nigeria right now. That Lisa said she used that

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Speaker 1: to save three hundred dollars on her flight. She used

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Speaker 1: it to look like I'm gonna buy my flight. But

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Speaker 1: I'm not going to look like I'm buying my flight

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Speaker 1: in America. I'm in even though I'm sitting in Jersey

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Speaker 1: City and in New Jersey. I'm gonna have my VPN

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Speaker 1: say I'm in Nigeria because for whatever reason, the algorithm

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Speaker 1: is making the flight less money, you know, by buying

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Speaker 1: it like from like I say, if I'm located in

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Speaker 1: a different country. So that's another way to save as well.

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Speaker 1: And then also too truthfully, there are some really great

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Speaker 1: travel especially if you're traveling a lot like I like

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Speaker 1: to follow travel hackers on social media because sometimes they'll

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Speaker 1: come up with a thinking like well, I didn't know

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Speaker 1: that something new will have come out, you know. Like

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Speaker 1: whenever I'm looking for flights, I always put on my

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Speaker 1: incognito window like in Google, because I don't want them.

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Speaker 2: To track me.

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Speaker 1: Because every time I go to look for a flight,

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Speaker 1: all of a sudden, the price goes up because they

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Speaker 1: know I'm looking and I'm interested and so but these

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Speaker 1: I mean all of these like kind of like travel hackers.

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Speaker 1: You know, they'll let you know like probably what's the

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Speaker 1: best credit card to use that? Like I said that

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Speaker 1: VPN hack was one that was really good. You know,

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Speaker 1: there's all of these like travel hacks. So if you're

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Speaker 1: traveling a lot, you know, I would I would be

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Speaker 1: following some of these people on like I know, like

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Speaker 1: the points guy Onika the Traveler, she's a black woman

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Speaker 1: who does it. I love to follow them because it

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Speaker 1: really helps me figure out like oh, okay, I didn't

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Speaker 1: even know that. Heck, I'm gonna try that, you know.

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Speaker 1: So that's those are some hacks for you.

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Speaker 3: Yeah, those are definitely very helpful. I'm going to try

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Speaker 3: the VPN one and see if it makes a difference.

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Speaker 1: Yeah, let me know. Like I said, my sister listens

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Speaker 1: in Niger right now. She was like, it worth I say,

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Speaker 1: three hundred dollars. I was like, ooh, that's great. Well,

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Speaker 1: thank you so much for coming on, Victory. I hope

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Speaker 1: this was helpful. Are you enjoying your mentee experience?

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Speaker 3: Oh my goodness, yes, yes I am. And I was

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Speaker 3: one of the lucky ones. I got in at for

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Speaker 3: ten bucks a month, and I'm never leaving your stuff

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Speaker 3: with it.

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Speaker 2: So I told people, I'm like they thought I was playing.

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Speaker 1: Now it's twenty, which is still a really amazing deal obviously,

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Speaker 1: you know.

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Speaker 2: But one day it might be thirty or forty or fifty.

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Speaker 1: I mean I have friends who have mentionorship programs and

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Speaker 1: it's ten thousand dollars for the year, you know, twenty

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Speaker 1: sixty thousand for the end. People pay, you know, and

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Speaker 1: I'm not looking to do all that, but certainly, I'm like,

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Speaker 1: I really enjoy teaching, and I don't just enjoy teaching

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Speaker 1: about money. I really like to teach about business too,

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Speaker 1: So it's like another part of myself that I get

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Speaker 1: to express.

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Speaker 2: You never shared where do you live, Victory?

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Speaker 3: I used to live in Dallas, Texas, but I recently

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Speaker 3: just moved to Atlanta for a new job.

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Speaker 1: Okay, so hopefully i'll be in Atlanta this year sometime,

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Speaker 1: you know, and we'll do a mentee meet that well,

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Speaker 1: you know, we'll all have dinner because that'll be lots

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Speaker 1: of fun.

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Speaker 2: But yeah, I really love pouring into you guys.

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Speaker 1: I love hearing like all of the you know, the

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Speaker 1: success stories, and like, I just feel like the thing

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Speaker 1: about business is that you start off at like level one,

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Speaker 1: you know, and then over time you That's why I

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Speaker 1: said that flexibility is so important. That your business will

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Speaker 1: tell you what it needs to grow and to flourish,

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Speaker 1: and it's up to you to be flexible to twist

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Speaker 1: and turn and add and subtract based upon the feedback

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Speaker 1: you're getting from the people you're serving, but also your

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Speaker 1: business too, you know. And over time, you know, if

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Speaker 1: you do that consistently and you stay consistent, and then

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Speaker 1: you know, success is something that is definitely on the horizon.

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Speaker 1: So I hope and wish and know success for you,

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Speaker 1: victory because you're already asking these questions, you're taking steps forward.

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Speaker 1: So now I can't wait to hear more about how

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Speaker 1: your business flourishes forward.

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Speaker 3: Thank you so much. I love ving a Menzi and

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Speaker 3: like I said, I'm never leaving. So it is what

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Speaker 3: it is.

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Speaker 1: Well, if you want to be a mentee and you're listening,

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Speaker 1: you're like, oh this is I'm part of the BA family,

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Speaker 1: but I'm not part of the mente family. Go head

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Speaker 1: on over to my mentortiftany dot com. For twenty bucks

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00:15:30,200 --> 00:15:32,320
Speaker 1: a month, you get to jam out with thirty eight

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Speaker 1: hundred other amenities. It's largely women, but we do have

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Speaker 1: a handful of guys. We don't turn anyone away. It's

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Speaker 1: awesome sauce over there. And if you want to be

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Speaker 1: on the podcast, you can go to brannibishonpodcast dot com

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Speaker 1: and click contact us if you want me to answer

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Speaker 1: a question in the stew or just like read your

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Speaker 1: question out loud. Brandabishonpodcasts at gmail dot com and brandambishon

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Speaker 1: podcast on ig Sliding the DMS or the BA Podcast

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Speaker 1: on Twitter.

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Speaker 2: Okay, until next time.

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Speaker 1: Thank you Victory for coming to the stew with us

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Speaker 1: today and I will see you Brand and Bisher family

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Speaker 1: another day. Another dollar, Bye, Victory, thank you bye.

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Speaker 3: Thanks for having me.

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Speaker 1: Oh my god, wasn't that an awesome throwback and so

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Speaker 1: much fun tripping down memory lane? Okay, make sure you

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Speaker 1: check out Brad and Bish every Monday, every Wednesday, every Friday.

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Speaker 1: I'm doing the Spanish, every looss, every miaco list, and

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Speaker 1: every barness. Okay, many would be very proud of me

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Speaker 1: about terribles fish. All right, y'all, see you next week.