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From Essentials to Aspirations: Budgeting for Business Success | Ep. 297
Episode 297 • 25th January 2024 • Money Talk With Tiff • Tiffany Grant
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In this empowering episode of Money Talk With Tiff, Tiffany Grant welcomes the dynamic Brieanna Lightfoot Smith to delve into the crucial topic of strategic spending for small business owners. As a seasoned entrepreneur, Brianna brings her insightful approach to making smart investments that fuel business growth without breaking the bank.

Brieanna kicks things off with a counterintuitive tip that will have you rethinking your startup strategy – hint: it involves your business website and what you really need to focus on instead. She then unveils her transformative framework that categorizes business expenses into essentials, opportunities, and aspirations, guiding you through financial commitment stages as your business evolves.

Whether you're a product-based business owner eyeing inventory management or a content creator looking to upgrade your tech game, this episode is a treasure trove of wisdom for anyone aiming to make prudent financial decisions while chasing their business dreams.

Remember, it's not just about spending money; it's about investing where it counts. Let's get to the money!

About Our Guest

Brieanna Lightfoot Smith believes a peaceful home and a purposeful brand can coexist. As a business owner, productivity coach, and systems strategist, she loves helping women, especially fellow moms, gain clarity and confidence. As someone who passed out in her car at 7 months pregnant, she's extremely passionate about helping people create a life they love without burning out in the process. You can connect with Brieanna on her website at brandsbybrie.com.

Connect with Brieanna

Instagram: @blightfootsmith

B. Light Podcast: http://brandsbybrie.com

(Use code 'aspirations' for a special discount)

Connect with Tiffany

Website: https://moneytalkwitht.com

Facebook: Money Talk With Tiff 

Twitter: @moneytalkwitht 

Instagram: @moneytalkwitht 

LinkedIn: Tiffany Grant

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Transcripts

Speaker:

Intro/Outro: You know what it is. That's right. It's time to talk

Speaker:

money with your money nerd and financial coach.

Speaker:

Now tighten those purse strings and open those ears.

Speaker:

It's the money talk with tiff. podcast.

Tiffany Grant:

Hey, everyone. I am so excited because I have

Tiffany Grant:

Brianna Lightfoot Smith on the line now. Brianna is here to talk

Tiffany Grant:

to us about something that's really interesting and something

Tiffany Grant:

that small business owners or aspiring business

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owners kind of struggle with at times, and that's making sure

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that you spend your money on the right investments, so

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making sure that you're purchasing things that have

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some lifeline to it and not just throwing money in the

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wind. So, hey, Brianna, how are you?

Tiffany Grant:

Brieanna Lightfoot-Smith: Hey, Tiffany, how are you? Thank you so much for

Tiffany Grant:

having me.

Tiffany Grant:

Yes, my pleasure. So let's just hop right

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in. First and foremost, let's just talk about

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some of the things that business owners spend on

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when they first get started, that you're like,

Tiffany Grant:

no.

Tiffany Grant:

Brieanna Lightfoot-Smith: Yes. I tell people it's

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ironic because,

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when I first started my company, I was doing

Tiffany Grant:

website development and I was also

Tiffany Grant:

doing social media management. And I think

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that something that's so ironic is now

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I tell people, I'm like, hey, you don't need a business

Tiffany Grant:

website to get started. You just need a way

Tiffany Grant:

to, accept payments from people, and you need to

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be able to track the people that are coming

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in so that you're able to manage those leads. Right.

Tiffany Grant:

So I'm like, okay, you can really get started with something like

Tiffany Grant:

acuity. You can get started with just PayPal

Tiffany Grant:

invoicing. the reason I say that is

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because after having worked with

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dozens, if not hundreds of small businesses, what I

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saw was that a lot of times people would hire me

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to develop their websites, right? And

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then their business model would change. They

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would do maybe an accelerator program

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where they were able to get more clarity around their ideal

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customer, or they would do,

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kind of an intensive. Maybe they work with a

Tiffany Grant:

coach. especially in New Orleans when I was,

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working with small businesses, a lot of them would participate in

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these incubators. And by the end of the program,

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whether it be eight weeks or twelve weeks, their

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business model had completely shifted. But they already

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invested this money into

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a website that talked about this offer that they no

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longer have. So I really believe

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that, your website is so

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essential when you get to a point where you know

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for sure what it is that you offer. But if you're

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just kind of experimenting with some things,

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save your money in the beginning, get clear on what your

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offer is, and in the meantime, in between

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time, use things like payPal invoicing, use

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stripe, use calendar, schedulers to

Tiffany Grant:

be able to accept you.

Tiffany Grant:

Gotcha. And that makes so much sense. And as

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someone that loves to dabble in

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tech and spend way too much money

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in doing things and redoing things, I can

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definitely resonate with that. There's so many

Tiffany Grant:

half finished projects that I have out there that I

Tiffany Grant:

was like, oh, I want to go this direction. And then, oh,

Tiffany Grant:

actually, never mind.

Tiffany Grant:

Brieanna Lightfoot-Smith: right, domain names purchased for days and you're like,

Tiffany Grant:

what was this one even for? I don't even remember.

Tiffany Grant:

Exactly. So let's go

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into your framework because I feel like it

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is, very important for these business owners

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and aspiring business owners to kind of categorize these

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expenses in a way that will best benefit them.

Tiffany Grant:

I love your approach, of let's get to the money first.

Tiffany Grant:

So when they're thinking about these expenses, how should

Tiffany Grant:

they categorize them?

Tiffany Grant:

Brieanna Lightfoot-Smith: Yes. So whenever I have a class

Tiffany Grant:

called building a business on a budget, right, because we've

Tiffany Grant:

all been there, and especially if you're somebody

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who maybe you're married, right? And your spouse

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is like you doing what with what you need to be

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able to say no. Okay, listen, it's not going to take a lot for us to get

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started. So I like to categorize things into

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three categories. I like to share with my

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students that you should look at your business expenses

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as essential. You should look at

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opportunities and then your aspirations, right? So

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your essential things are what do you need to actually

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be able to make money from this? sometimes that's going to

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be tech, right? But it doesn't have to be expensive

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tech. We have computers as

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phones, right? So people who are even saying, oh, I want

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to start a YouTube channel, baby, let's get consistent with your

Tiffany Grant:

phone first. Before you say I need the latest

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Nikon or I need the latest canon, this is really going

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to be the thing that makes my content top tier

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because you want to be able to get consistent first.

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Then when it comes to your opportunities, as

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you're starting to gain that traction, that's where you might say,

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okay, we're going to upgrade to maybe a better

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camera. not because I'm trying to

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become like a short film producer,

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but because I'm m even maxing out the storage on my

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phone, right? So it becomes an opportunity. And then once

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you've, matched that and maybe now you're at a place where you're

Tiffany Grant:

monetizing your content for a YouTube channel,

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now you're looking into the aspiration section

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of your finances where it's like, no, I can actually invest

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in not only really great equipment, but now

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maybe I'm going to start investing in a

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editor to,

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take my YouTube videos and also

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export them for different formats

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for TikTok or for Instagram.

Tiffany Grant:

Right. So I gave a specific example because I'm the kind

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of person who I'm like, okay, show me what

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that looks like. And so to use the example of a

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YouTube creator, your essential would be, you need some

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way to film. That could just be your phone, and you're already paying

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that monthly bill. Your opportunity may be, okay, I'm going to

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get a camera that is either used

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or, it's just not as expensive. Maybe I'm going to

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look out on those. Like I know a lot of people did for Black

Tiffany Grant:

Friday and Cyber Monday. Right. I'm going to grab one of those

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cameras. And then your opportunity, I mean, your

Tiffany Grant:

aspirations would be, now I'm going to get the best equipment

Tiffany Grant:

that I can get, and I'm also going to invest in a team.

Tiffany Grant:

Yes, I love that. And now that you put it like that,

Tiffany Grant:

I'm thinking back towards the money talk with Tiff

Tiffany Grant:

podcast. And when I got started, it was a

Tiffany Grant:

$20 mic from Amazon. and then I just

Tiffany Grant:

worked my way up to this $1,000 set up

Tiffany Grant:

that I have. But it took time. It took at least

Tiffany Grant:

two to three years or so to get to that point.

Tiffany Grant:

And I have an editor now when I was editing my

Tiffany Grant:

own episodes, so I can totally relate

Tiffany Grant:

to how that kind of comes

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about, as you grow and as you learn more about

Tiffany Grant:

your business. Had I waited until I was able

Tiffany Grant:

to get $1,000 set up and all of

Tiffany Grant:

this and all of that, and then started the podcast,

Tiffany Grant:

it probably wouldn't have made sense just in case I

Tiffany Grant:

didn't like it. What if you get all of that

Tiffany Grant:

equipment and you don't like doing the podcast or you don't like

Tiffany Grant:

doing whatever it is that you put all this money into?

Tiffany Grant:

And so I completely agree with you there.

Tiffany Grant:

Brieanna Lightfoot-Smith: That's awesome. Yeah, that's a perfect example, too.

Tiffany Grant:

Yes. So let's talk a little bit, because

Tiffany Grant:

I know we have a variety of different business

Tiffany Grant:

owners out there, so I also want to give

Tiffany Grant:

a product example, too. So how would this

Tiffany Grant:

look in a product based business, if they wanted to

Tiffany Grant:

do this framework as well?

Tiffany Grant:

Brieanna Lightfoot-Smith: That's a great question. So when it comes to

Tiffany Grant:

product based business, my husband actually has a product based

Tiffany Grant:

business, and he does apparel

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and for him, when it came to

Tiffany Grant:

essentials, that's one

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area where I would say having a website

Tiffany Grant:

probably makes sense very early on, but it doesn't have to be an

Tiffany Grant:

expensive one, right? So you need a way to sell

Tiffany Grant:

your products. People may say, oh, well, you can just

Tiffany Grant:

start with pop up shops. But the things that people, I feel like, don't

Tiffany Grant:

understand about pop up shops is that you're going to need that

Tiffany Grant:

inventory typically on site. And so

Tiffany Grant:

you're going to have a higher cost

Tiffany Grant:

of goods right in the beginning if you're trying

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to have at least 25 products at your

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first pop up shop. So what's really nice

Tiffany Grant:

for, a product based business is that you can do something like

Tiffany Grant:

drop shipping, right? there are websites

Tiffany Grant:

like printful and printify that

Tiffany Grant:

will allow you to

Tiffany Grant:

upload your designs directly into their platform,

Tiffany Grant:

and then they'll ship the items out for you.

Tiffany Grant:

What's really nice about that is that you don't have to manage

Tiffany Grant:

inventory, right? You don't have to

Tiffany Grant:

worry about like, oh, I ordered too much of

Tiffany Grant:

this. You're able to just kind of have, okay, I

Tiffany Grant:

got one order in and I'm sending one order out. So the

Tiffany Grant:

essential for a product based business would absolutely be a place where

Tiffany Grant:

you can sell your products. And typically, it

Tiffany Grant:

would make sense to start with a

Tiffany Grant:

website just to make it ease of use. But what's

Tiffany Grant:

also really awesome is that we're in an age

Tiffany Grant:

now where Instagram, makes their

Tiffany Grant:

posts shoppable, right? And you can upload products directly

Tiffany Grant:

into Facebook marketplace or

Tiffany Grant:

know their platform, in order for you to be able

Tiffany Grant:

to purchase things that way. So that would be an

Tiffany Grant:

example that I would give. The aspiration

Tiffany Grant:

would know, potentially your own store

Tiffany Grant:

at some point where you're like, okay, I've done this on my

Tiffany Grant:

own and I'm going to expand. I even think about

Tiffany Grant:

a, friend of mine. She has a, I guess you would just call

Tiffany Grant:

it a sweets business, right? She does cookies and she does

Tiffany Grant:

cakes. And when she first got started,

Tiffany Grant:

she, had it where she would just send you an

Tiffany Grant:

invoice for your product,

Tiffany Grant:

for your cupcakes or your cookies.

Tiffany Grant:

You would pay the invoice, and then she had it where you

Tiffany Grant:

could pick the items up directly from her, or she would ship

Tiffany Grant:

it to you. And then the nice thing was, as she's

Tiffany Grant:

grown, that's when she really developed out her

Tiffany Grant:

website. And then now she's looking at getting a

Tiffany Grant:

flagship store, by 2026.

Tiffany Grant:

So she's really had some awesome

Tiffany Grant:

traction. But she was willing to kind of,

Tiffany Grant:

there's a scripture that says, do not despise small beginnings.

Tiffany Grant:

And that was really her. She was like, listen, I'm going to send

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you this invoice for this half a dozen order of cookies, and

Tiffany Grant:

then we'll keep growing from there.

Tiffany Grant:

That is amazing. And congrats to the friend, if you're

Tiffany Grant:

listening. Congrats to you. but I love

Tiffany Grant:

this framework, essentials, opportunities, and

Tiffany Grant:

aspirations, because we talk a lot on the podcast

Tiffany Grant:

about budgeting, and it is very

Tiffany Grant:

similar in how we break down our budget.

Tiffany Grant:

When you think about your essentials, you're thinking about

Tiffany Grant:

the roof over your head, the food in your

Tiffany Grant:

belly, all of those things. And then your

Tiffany Grant:

opportunities, those might be like your cell phone bill. So

Tiffany Grant:

it's not like stuff that are essential to live,

Tiffany Grant:

but it's stuff that you might want. And then the

Tiffany Grant:

aspirations might be when

Tiffany Grant:

you're looking at, oh, I want to go out with

Tiffany Grant:

my friends or those types of things. And

Tiffany Grant:

so I definitely see how there

Tiffany Grant:

is a congruency there between

Tiffany Grant:

your framework and not only applying it to

Tiffany Grant:

business, but also to your personal, expenses

Tiffany Grant:

as well. So I really appreciate that.

Tiffany Grant:

Brieanna Lightfoot-Smith: Yeah, my pleasure.

Tiffany Grant:

So let's, talk a little bit, though,

Tiffany Grant:

about your course that you had

Tiffany Grant:

mentioned. because I want to give people a little sneak

Tiffany Grant:

peek of what they may get, before we wrap

Tiffany Grant:

up, of course. Don't give it all away, but, just a little sneak

Tiffany Grant:

peek of what they would get with your course.

Tiffany Grant:

Brieanna Lightfoot-Smith: Yes. So, inside of the build

Tiffany Grant:

your business on a budget course. And it's really short,

Tiffany Grant:

y'all, because, listen, just like. And I know tiff keeps

Tiffany Grant:

her, podcast episode short. It's the same thing

Tiffany Grant:

with that training. It is not longer than an hour,

Tiffany Grant:

and it's very hands on. And so I walk

Tiffany Grant:

you through those essentials, through the opportunities,

Tiffany Grant:

and through the aspirations inside of it. You also

Tiffany Grant:

get, a budget spreadsheet

Tiffany Grant:

that has those categories broken out. And then I give some

Tiffany Grant:

examples, because, as I shared with you all, sometimes it's like,

Tiffany Grant:

I don't know, what's the difference between the essential and the aspiration

Tiffany Grant:

and the aspiration and the opportunity. And so I have

Tiffany Grant:

those things broken out by category.

Tiffany Grant:

I also talked about the power of

Tiffany Grant:

bartering in that, training,

Tiffany Grant:

because sometimes we're out here like,

Tiffany Grant:

okay, well, I can just spend this much,

Tiffany Grant:

and you could actually have to spend nothing. One of the

Tiffany Grant:

examples that I give inside of the training is that I got,

Tiffany Grant:

photos done, which we all know a good

Tiffany Grant:

photo shoot can run. You quite

Tiffany Grant:

a bit if you're moving into more of that

Tiffany Grant:

opportunities and aspirations category. Right.

Tiffany Grant:

and this particular photo shoot was about

Tiffany Grant:

valued at about $500. And I just knew I

Tiffany Grant:

didn't have that to invest. I was like, sis,

Tiffany Grant:

I know that your stuff is quality. I've

Tiffany Grant:

seen your stuff before, but I'm just in the very beginning

Tiffany Grant:

stages of my business. But what I did have at

Tiffany Grant:

that time was, a podcast that was reaching

Tiffany Grant:

the exact demographic that this woman had because she was

Tiffany Grant:

primarily targeting black women who

Tiffany Grant:

were in business or wanted to start a business. And so

Tiffany Grant:

I said, here's what we could do, or here's what I can

Tiffany Grant:

offer. And I did not know if she would say no or yes, but I

Tiffany Grant:

said, I have this podcast, and what

Tiffany Grant:

I could possibly do for you, if you'd be interested,

Tiffany Grant:

is record three,

Tiffany Grant:

ads that I can put at the beginning of the

Tiffany Grant:

episodes, and people can use a specific promo code

Tiffany Grant:

to sign up. And I don't even know if I made the promo

Tiffany Grant:

code a heavy discount because I was like, well, if we discount all

Tiffany Grant:

your services, this is not really the best thing for you.

Tiffany Grant:

I want to make sure you're getting a return on what you're giving

Tiffany Grant:

me. And so anyway, I did a promo for her on, three

Tiffany Grant:

podcast episodes. And I also said, hey, if we

Tiffany Grant:

have any in person events, you can come

Tiffany Grant:

and talk about your business there. And she was

Tiffany Grant:

interested. We signed up an agreement

Tiffany Grant:

because you should get everything in writing. We signed an

Tiffany Grant:

agreement, and she did my photo

Tiffany Grant:

shoot on, my end for free. I mean, I was

Tiffany Grant:

exchanging my time and my platform for

Tiffany Grant:

this physical product that I was able to get. And I tell

Tiffany Grant:

people, that was years ago, and

Tiffany Grant:

I still use a lot of those images, for

Tiffany Grant:

my website, I use a lot of the images in my social

Tiffany Grant:

media content. And so that's one of the things that

Tiffany Grant:

I talk about within that, class as well,

Tiffany Grant:

because, again, sometimes we put ourselves

Tiffany Grant:

in these binds where we're like, oh, my gosh, I really want

Tiffany Grant:

this thing. And then I'm too embarrassed to tell this person that

Tiffany Grant:

I can't afford their services instead of just looking and

Tiffany Grant:

saying, what do I have that's of value that I could offer this

Tiffany Grant:

person?

Tiffany Grant:

Absolutely. And I love that I have

Tiffany Grant:

bartered many of times, for services and

Tiffany Grant:

products, and it works you all, and you never know

Tiffany Grant:

what someone's going to say or do, and

Tiffany Grant:

so just acts, put it out there. So I love that you

Tiffany Grant:

go over that in your, course as well.

Tiffany Grant:

So thank you. So much, Brianna, for coming on the show

Tiffany Grant:

today. Now, if people were interested in

Tiffany Grant:

learning about the course or learning more about

Tiffany Grant:

you or is following you on social media, where could they find

Tiffany Grant:

you?

Tiffany Grant:

Brieanna Lightfoot-Smith: Yes, they can go to my website,

Tiffany Grant:

brandsbybree.com, and that has all my links

Tiffany Grant:

to social. It has links to brands by Brie

Tiffany Grant:

Academy, which is where that building up business on a budget

Tiffany Grant:

class lives. and

Tiffany Grant:

there's also a link for you to join my email list. I send out

Tiffany Grant:

emails every week to business owners with just, like, a

Tiffany Grant:

word of encouragement because we know it can be hard out here. You're

Tiffany Grant:

like, why am I doing this thing? That's very insane that

Tiffany Grant:

no one else wants to do. I also send

Tiffany Grant:

resources because, again,

Tiffany Grant:

sometimes it's like, hey, there's this thing that you might

Tiffany Grant:

be about to pay for. And I actually found a place where you

Tiffany Grant:

can get it for free. for places that I have

Tiffany Grant:

relationships with, I include, like, affiliate links

Tiffany Grant:

where you can sign up for something like honeybook and get

Tiffany Grant:

50% off, or sign up for something like flow desk,

Tiffany Grant:

which is what I use for my email software.

Tiffany Grant:

And so I just try to make it like a one stop

Tiffany Grant:

shop for women in business.

Tiffany Grant:

Because, again, this is no,

Tiffany Grant:

I think about, the poem that talks about how life is

Tiffany Grant:

no crystal stare. Entrepreneurship is not a

Tiffany Grant:

crystal stare. Okay. But I think what I

Tiffany Grant:

have seen, it's not you all. So if that's why you're

Tiffany Grant:

signing up, maybe look at something else. But

Tiffany Grant:

it's a beautiful thing, though, to be able to do the work that you

Tiffany Grant:

love.

Tiffany Grant:

Yeah, for sure. Well, I will make sure that I

Tiffany Grant:

have all of those links in the show notes, so

Tiffany Grant:

definitely check those out. Thank you so much again

Tiffany Grant:

for coming on the show, and I'm excited. Hopefully

Tiffany Grant:

somebody took at least one takeaway from

Tiffany Grant:

this. And if you didn't, I'm going to give

Tiffany Grant:

you one. Essentials, opportunities,

Tiffany Grant:

aspirations. That's all you need to know.

Tiffany Grant:

All right, well, thank you so much.

Tiffany Grant:

Brieanna Lightfoot-Smith: It's my pleasure. Oh, and one thing,

Tiffany Grant:

I will give you all a special, price on

Tiffany Grant:

those classes inside of brands by Brie Academy. But

Tiffany Grant:

I want you guys to use the word aspirations because

Tiffany Grant:

that's how we'll know that you listen to the end. I know sometimes people do like

Tiffany Grant:

the podcast name and stuff like that, but it's

Tiffany Grant:

kind of like looking for clues in one of those Disney movies or

Tiffany Grant:

Marvel movies or something like that. So, yeah, if you use promo code

Tiffany Grant:

aspiration on any of those, you'll be able to get a

Tiffany Grant:

special price on those classes.

Tiffany Grant:

Yes. I love that. Come on, Easter eggs. So

Tiffany Grant:

aspirations is the code, and

Tiffany Grant:

I'll make sure that's in the show notes as well, in case you're doing

Tiffany Grant:

something, driving, whatever, and you can't write it down, it'll be

Tiffany Grant:

there for you. So thank you so much, Brianna, and I hope you have

Tiffany Grant:

a wonderful rest of the day.

Tiffany Grant:

Brieanna Lightfoot-Smith: Thank you for having me.

Tiffany Grant:

Bye.

Tiffany Grant:

Intro/Outro: Thank you for listening, joining, and being a part of the Money

Tiffany Grant:

talk with TIFF podcast this week. You can check Tiff

Tiffany Grant:

out every Thursday for a new Money talk podcast,

Tiffany Grant:

but if you just can't wait until next week, you can listen

Tiffany Grant:

to previous podcast

Tiffany Grant:

episodes@moneytalkwitht.com

Tiffany Grant:

or follow TIff on all social media

Tiffany Grant:

platforms at moneytalkwitht. Until

Tiffany Grant:

next time, spend wise by spending less than

Tiffany Grant:

you make a, word to the money wise is always

Tiffany Grant:

sufficient.

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