Money Chat with Chisa Pennix-Brown aka Lady Bizness | Ep. 34

• Tiffany welcomes Chisa Pennix-Brown (Lady Bizness) and notes the episode was recorded during COVID-19 quarantine at Podbiz Studios.

Even though it's not a good time, it is a good time... it forced us to sit down. It forced us to stop running everywhere.

• Chisa explains she had been wanting to appear on the show and used quarantine as an opportunity to connect.

• Chisa shares her turning point: working at American Express, living in Durham, then moving back home with parents in Graham.

If you're working, and you're getting paid every two weeks, you shouldn't need money on a Tuesday or a Wednesday to get you through to Friday.

• Her father refused further loans, teaching her self-sufficiency. This was the 'light bulb moment' about having vs. needing money.

Just because my parents had it didn't mean that I had it.

• Tiffany shares her own story of getting a car at 15-16 and having to pay for it with a $7.25/hour job, leading to extreme couponing.

Money doesn't grow on trees. You will be cashing out your piggy bank...

• Tiffany teaches her kids the three-bucket system: spend some, save some, give some. They must allocate to each bucket before spending.

• Chisa describes herself as a 'therapeutic shopper' who sets spending limits and uses Amazon lists for intentional rewards.

I like to wait until it's only like one in my size. I feel like if I go in and it's one in my size, God meant for me to have that thing.

• Both discuss leaving items in Amazon cart 24-48 hours to reduce impulse buys and catch price drops.

Subscribe and save, then cancel it so I can get the cheaper price... they go 5% off the top.

• Chisa uses Subscribe & Save for household essentials (deodorant, body wash, toothpaste) to ensure she never runs out and gets bulk discounts.

I don't want to be an adult anymore.

• Chisa reflects that the discipline from her father's lesson prepared her for COVID-19 financially.

• Chisa shares her contact info: ladybizness.com, Instagram @chisapennixbrown, and email via website contact form.

• She offers one-on-one consultations, business plan reviews, and webinars—both free and paid options available.