Follow Me out of Debt | Get out of debt and get into prosperity!

Follow Follow Me out of Debt | Get out of debt and get into prosperity!
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The Follow Me out of Debt podcast is an easily-digestible show that's brought to you once a week, every week. Tom has taken the advice from well-known authors and show hosts, including Dave Ramsey, Clark Howard, and others - and is combining this into his own personal strategies to show you what works (and what doesn't) to get out of debt and get into prosperity.

Tom Merlino | Tom is inviting you to follow him on his journey to get out of debt and get into prosperity.


    • Mar 11, 2024 LATEST EPISODE
    • every other week NEW EPISODES
    • 12m AVG DURATION
    • 526 EPISODES

    4.6 from 118 ratings Listeners of Follow Me out of Debt | Get out of debt and get into prosperity! that love the show mention: getting out of debt, tom s podcast, shame and guilt, debt free living, prosperity, credit card debt, credit cards, get out of debt, time job, dave ramsey, preachy, shopping, discipline, finances, makes sense, broke, good advice, worse, slowly, paying.


    Ivy Insights

    The Follow Me out of Debt podcast is an incredibly valuable resource for anyone looking to improve their financial situation and get out of debt. Hosted by Tom Merlino, the podcast offers practical advice, personal anecdotes, and motivation to help listeners on their journey towards financial freedom.

    One of the best aspects of this podcast is Tom's relatability. He openly shares his own experiences with debt and acknowledges that he has been in the same position as his listeners. This makes his approach more inviting and allows listeners to feel understood and supported. Tom's practical approach to budgeting and debt management also sets this podcast apart. He offers solid and tangible insights, presenting real-life experiences to help motivate listeners to start and stay on the path towards debt-free living.

    Another great aspect of The Follow Me out of Debt podcast is its focus solely on debt-related matters. Unlike other personal finance podcasts that cover a wide range of topics, this podcast hones in specifically on budgeting and debt management. This makes it much easier for listeners who are specifically interested in these areas to find relevant content without having to sift through unrelated topics.

    While it can be said that there are no major drawbacks to this podcast, some listeners might prefer a longer format that delves deeper into certain topics. The episodes tend to be relatively short, which can leave listeners wanting more in-depth discussions or guidance on specific issues related to budgeting and debt management.

    In conclusion, The Follow Me out of Debt podcast is an invaluable resource for anyone seeking guidance on budgeting and getting out of debt. Tom's relatable approach, practical insights, and focused content make it an excellent choice for those looking for actionable steps towards financial freedom. Whether you're just starting your journey or have been working towards debt-free living for some time, this podcast offers motivation, support, and valuable knowledge that will undoubtedly benefit your financial future.



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    Latest episodes from Follow Me out of Debt | Get out of debt and get into prosperity!

    FMOOD 0524: A Brief Hiatus

    Play Episode Listen Later Mar 11, 2024 2:00


    Don't forget to stay tuned during this brief hiatus by going to followmeoutofdebt.com for links to the best deals, ideas for saving money, life insurance at the most affordable rates, and much more.

    FMOOD 0523: Get Laser-Focused

    Play Episode Listen Later Feb 26, 2024 5:52


    Getting laser-focused on paying off debt requires a comprehensive approach that combines clear goal-setting, strategic planning, disciplined budgeting, and unwavering commitment.

    FMOOD 0522: How to Find the Best Deals on Clothing

    Play Episode Listen Later Feb 12, 2024 4:48


    Just because you're in the process of getting out of debt doesn't mean that you need to wear the same tired outfits day in and day out.

    FMOOD 0521: Work From Home

    Play Episode Listen Later Jan 29, 2024 4:00


    If you've been looking into possible work from home opportunities as a means to provide supplemental income or replacing the typical job requiring a commute, there are several legitimate work-from-home jobs across various industries.

    FMOOD 0520: How to Reduce Your Credit Card Interest Rate

    Play Episode Listen Later Jan 15, 2024 4:20


    The other day I decided to do something that I've been meaning to do for a long time. I wanted to take a larger look at my credit cards and list out the annual percentage rates, balances remaining, and a plan to reduce any higher interest rates on those cards.

    FMOOD 0519: How to Significantly Reduce Debt This Year

    Play Episode Listen Later Jan 1, 2024 4:00


    Embarking on a journey to significantly reduce debt is always a commendable goal. Let's do this using a holistic approach to kickstart your debt reduction plan for the new year.

    embarking reduce debt
    FMOOD 0518: The New Year

    Play Episode Listen Later Dec 18, 2023 4:08


    We are going to be heading into a new year soon, and I thought it would be important to set everything in motion to make the most of it, right from the start.

    FMOOD 0517: Building an Emergency Fund on a Tight Budget

    Play Episode Listen Later Dec 4, 2023 3:58


    Building an emergency fund on a tight budget can be challenging, but it's a crucial step toward financial stability.

    FMOOD 0516: Is It Important to Be Debt-Free?

    Play Episode Listen Later Nov 20, 2023 5:06


    This shouldn't come as a surprise, but the answer is a resounding YES! Of course it's important to be debt-free! Being debt-free is an important financial goal for several reasons.

    FMOOD 0515: Baby Steps to Paying Credit Cards

    Play Episode Listen Later Nov 6, 2023 5:45


    Taking baby steps to pay off credit cards is a practical and manageable approach to reduce debt without feeling overwhelmed.

    FMOOD 0514: Understanding Credit Scores and Debt

    Play Episode Listen Later Oct 23, 2023 5:44


    The relationship between credit scores and debt management is intricate and has a significant impact on a person's financial health.

    FMOOD 0513: How Debt Freedom Feels

    Play Episode Listen Later Oct 9, 2023 4:46


    Imagine waking up to a world where the relentless burden of debt no longer holds you captive.

    FMOOD 0512: Emotional Side of Debt

    Play Episode Listen Later Oct 2, 2023 4:45


    Getting out of debt isn't just about money; it's a journey filled with emotions. It touches every aspect of life, from our daily routines to our self-esteem.

    FMOOD 0511: Debunking Debt Myths

    Play Episode Listen Later Sep 25, 2023 4:40


    Misconceptions about debt often lead to financial decisions that may not be in one's best interest.

    FMOOD 0510: When You're Not Making Any Headway

    Play Episode Listen Later Sep 18, 2023 4:55


    I understand how disheartening it can be when it feels like you're not making any headway in your journey to get out of debt. The weight of financial struggles can be overwhelming, and at times, it may seem like there's no end in sight.

    FMOOD 0509: The Debt Snowflake Method

    Play Episode Listen Later Sep 11, 2023 5:00


    Now, you've heard of the debt snowball method and the debt avalanche method, but have you heard of the debt snowflake method?

    FMOOD 0508: How to Stop Using Credit Cards

    Play Episode Listen Later Sep 4, 2023 5:42


    To begin to stop using credit cards, let's first picture a new financial chapter marked by liberation from credit card dependency.

    FMOOD 0507: Staying Focused While Getting out of Debt

    Play Episode Listen Later Aug 28, 2023 4:55


    I understand how challenging it can be to stay focused while trying to get out of debt. It's not just about the numbers. It's about the emotional journey too.

    FMOOD 0506: The Easy Way

    Play Episode Listen Later Aug 21, 2023 5:31


    Getting out of debt may not be easy, but remember my friends, the road to being debt-free might have a few twists and turns, but with these strategies in your toolkit, you're well on your way to victory!

    FMOOD 0505: The Best of FMOOD: Interview With Amberly Lago

    Play Episode Listen Later Aug 14, 2023 53:45


    In this best of FMOOD episode, we're revisiting the incredible interview that I had from episode 318 with Amberly Lago.

    FMOOD 0504: Mastering the Art of Negotiation

    Play Episode Listen Later Aug 7, 2023 5:21


    Mastering the art of negotiation is a highly valuable and sought-after skill that can positively impact various aspects of your life, both personally and professionally.

    FMOOD 0503: Update on the Mint App

    Play Episode Listen Later Jul 31, 2023 6:29


    The Mint app, developed by Intuit Inc., is a highly acclaimed personal finance management tool that has garnered immense popularity for its user-friendly interface, robust features, and exceptional usefulness. Designed to cater to users' diverse financial needs, the app offers a wide range of benefits that make it an indispensable companion on the journey towards financial well-being. I mentioned this app several episodes ago and promised to follow up with an update after I had a chance to truly give it a go.

    designed mint intuit inc
    FMOOD 0502: Be Your Own Boss

    Play Episode Listen Later Jul 24, 2023 6:10


    I want to inspire you today to be your own boss. Even if you don't go all of the way and quit your job to become a full-time entrepreneur but simply start a business to earn additional income, you can still be your own boss on a part-time basis.

    FMOOD 0501: Growth Mindset

    Play Episode Listen Later Jul 17, 2023 4:49


    A growth mindset is the belief that one's abilities, intelligence, and talents can be developed through dedication, effort, and continuous learning. It is the understanding that skills and qualities are not fixed traits but can be cultivated and improved over time.

    FMOOD 0500: 10 Ways to Live More Frugally

    Play Episode Listen Later Jul 10, 2023 7:09


    Living frugally can help you to save money, reduce expenses, and achieve your financial goals.

    FMOOD 0499: Managing Finances as a Married Couple

    Play Episode Listen Later Jul 3, 2023 4:54


    Money and relationships, especially within the context of marriage, can be a complex and sensitive topic.

    FMOOD 0498: 10 Easy Steps to Being Laser-Focused

    Play Episode Listen Later Jun 26, 2023 5:57


    Today we're going to be going over 10 easy steps to help you to be laser-focused when working on a project, task, or goal. Here's the bottom line: when you're laser-focused, you will accomplish more and in less time.

    FMOOD 0497: Small Business Tips: 25 Creative Ways to Attract More Clients

    Play Episode Listen Later Jun 19, 2023 9:20


    I've been a business owner for many years, but I made it official back in 2007. With this in mind, I wanted to add a new component to this show and spend some time talking about tips to help out other small business owners out there.

    FMOOD 0496: Why Should I Get out of Debt?

    Play Episode Listen Later Jun 12, 2023 6:06


    Reducing or eliminating consumer debt can have numerous benefits for individuals and their overall financial well-being.

    FMOOD 0495: Budgeting for Small Groups

    Play Episode Listen Later Jun 5, 2023 3:36


    The key to budgeting for small groups is to take the boring aspect out of budgeting and make this a more entertaining event for all involved.

    FMOOD 0494: Sarah

    Play Episode Listen Later May 29, 2023 4:09


    Meet Sarah, a young professional who started her journey with significant student loan debt and minimal savings. Determined to take control of her finances, she embarked on a journey of financial discipline and strategic planning.

    FMOOD 0493: The Psychology of Money

    Play Episode Listen Later May 22, 2023 6:32


    The psychology of money refers to the study of how people's attitudes, beliefs, emotions, and behaviors are influenced by money and financial matters. It explores the complex relationship individuals have with money and how it impacts their decision-making, financial well-being, and overall satisfaction in life.

    FMOOD 0492: The Mint App

    Play Episode Listen Later May 15, 2023 4:40


    Mint is a popular budgeting app that helps you to track your spending, create a budget, and manage your finances.

    FMOOD 0491: Healthy Ways to Manage Your Credit

    Play Episode Listen Later May 8, 2023 6:01


    Credit management refers to the process of managing your credit usage and payments in order to maintain a good credit score. Your credit score is a numerical representation of your creditworthiness and is used by lenders to determine whether or not to approve you for credit and at what interest rate. Your credit score is also used in other ways as well, and it's important for you to be aware of how else your credit score may be used so that you can always be in the driver's seat when it comes to personal finance.

    FMOOD 0490: When You Get a Raise

    Play Episode Listen Later May 1, 2023 5:24


    Receiving a large raise in income can be an exciting and empowering experience. It can open up new opportunities for financial stability, security, and growth. However, it can also be overwhelming and even stressful, especially if you're not sure how to manage your newfound wealth.

    FMOOD 0489: Automate Your Savings

    Play Episode Listen Later Apr 24, 2023 4:03


    Setting up automatic transfers from your checking account to your savings account can help you to save money without even thinking about it.

    FMOOD 0488: Personal Finance Stages (Stage 4: Retirees)

    Play Episode Listen Later Apr 17, 2023 4:05


    Remember, retirement is a time to enjoy the fruits of your labor, but it's important to be financially responsible to ensure that your retirement is comfortable and stress-free.

    FMOOD 0487: Personal Finance Stages (Stage 3: Families)

    Play Episode Listen Later Apr 10, 2023 3:47


    What's unique about discussing personal finance as it relates to families is that you will be in a position to not only improve finances as a married couple, but you'll also be able to teach your kids about money at the same time.

    FMOOD 0486: Personal Finance Stages (Stage 2: Young Professionals)

    Play Episode Listen Later Apr 3, 2023 5:43


    As a young professional, it's important to start thinking about your personal finances early on to set yourself up for a financially stable future.

    FMOOD 0485: Personal Finance Stages (Stage 1: Students)

    Play Episode Listen Later Mar 27, 2023 5:26


    Over the next few weeks, I'll be talking about personal finance as it relates to different stages. It will go in order of youngest to oldest ages, so on today's episode, the focus is on personal finance for students. If you aren't a student but know of a student or another young person who could benefit from this particular episode, please be sure to share it on social media, e-mail, text message, or any other medium to get this information over to them.

    FMOOD 0484: Budgeting Using the 70-20-10 Rule

    Play Episode Listen Later Mar 20, 2023 5:34


    When it comes to budgeting and using a percentage structure for certain categories related to personal finance, it's important to have a clear understanding of your income and expenses.

    FMOOD 0483: A Sneak Peek Into True Debt Freedom

    Play Episode Listen Later Mar 13, 2023 5:19


    Being completely debt-free can be a liberating and empowering feeling. It means that you no longer have any outstanding loans or payments to worry about, and you have complete control over your finances. Be sure to listen to this episode again and again.

    FMOOD 0482: Intentional Frugality

    Play Episode Listen Later Mar 6, 2023 5:50


    Living frugally means being intentional about your spending and finding ways to reduce expenses without sacrificing your quality of life.

    FMOOD 0481: The Steps to Pay off Any Credit Card

    Play Episode Listen Later Feb 27, 2023 5:57


    Paying off a credit card may seem like a daunting task, but there are simple and straightforward steps that you can take to pay off any credit card.

    FMOOD 0480: Getting on the Path to Financial Freedom

    Play Episode Listen Later Feb 20, 2023 4:15


    Getting out of debt can be a daunting task, but it is not impossible. With a plan and a bit of discipline, you can get on the path to financial freedom, with getting out of debt being your first step.

    FMOOD 0479: Checkpoints

    Play Episode Listen Later Feb 6, 2023 5:06


    A personal checkpoint is a way for us to see how we're doing with a particular goal. It's important because if we don't check in from time to time, we won't really be able to measure our progress and discover what might be hindering our goals.

    FMOOD 0478: When Times Get Tough, Earn More

    Play Episode Listen Later Jan 30, 2023 5:18


    Use your imagination and see if you can figure out ways to earn your way out of the mess rather than borrowing your way out or robbing your own rainy day fund for something that you could have resolved in a completely different manner.

    FMOOD 0477: What Happened When I Saved 10% Of Earnings

    Play Episode Listen Later Jan 23, 2023 5:53


    I decided not too long ago to see what would happen if I saved 10% of my income and stashed it away in my savings account. My goal was to simply save 10% of my earnings to see just how easy it could be if I was chose to be consistent with this new habit.

    FMOOD 0476: Save Money Buying in Bulk

    Play Episode Listen Later Jan 16, 2023 5:14


    Grocery prices continue to go up. For whatever reason, we are seeing a steady increase in the total at the registers. For those of us who budget a set amount for groceries each month and need to keep adjusting that amount, this can be annoyingly frustrating. Here's what to do.

    FMOOD 0475: Watching Every Dime

    Play Episode Listen Later Jan 9, 2023 5:27


    Typically, the first move when we are trying to fight this fire is to watch every dime that we're spending.

    FMOOD 0474: The Importance of a Sizable Vehicle Down Payment

    Play Episode Listen Later Jan 2, 2023 3:42


    When it comes time to purchase a vehicle, ideally you could pay the entire amount without borrowing a single penny in order to do so. However, that's not always possible.

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