Her Money, Her Life

Sometimes cutting expenses just isn't enough. Sometimes, to reach your financial goals, you need to bring in more money. Here are some tips and things to consider when determining the best way for you to increase your income.   Let's connect! instagram.com/vanessalinenberger Schedule a free call with me: https://calendly.com/vanessajane/30minassessment   Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral   What is financial coaching? Check my website! https://www.accountable.network/vanessalinenbergerwebsite   Join a free money webinar! https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0

Zovig Garboushian is the founder and head coach of Boldness Ablaze where she helps ambitious women reach for more. We had a really great conversation around women and goals and money. If you'd like to learn more about Zovig and her coaching  you can email her at zovig@boldnessablaze.com or check out her website: https://boldnessablazecoaching.com/   6 Weeks to Bolder Living program: https://boldnessablazecoaching.com/6-weeks-live-bolder/   newsletter sign up: https://boldnessablazecoaching.us4.list-manage.com/subscribe?u=4ba455a06eac79fff72fdbb72&id=bd763d9aae     Let's connect! instagram.com/vanessalinenberger   Schedule a free call with me: https://calendly.com/vanessajane/30minassessment     Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral   What is financial coaching? Check my website! https://www.accountable.network/VanessaLinenbergerWebsite   Join a free money webinar! https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0

There are different types of budgets and each has features that are beneficial and help some people more than others. Finding one that resonates with you and how you think about money will help you achieve your financial goals. Today I’m going to talk about 4 different types of budgeting styles that are each a little bit different in the approach but all promote intentional spending and aligning your spending with your goals. 1. Zero Based Budgeting 2. Envelope Method 3. Reverse Budgeting 4. 50/30/20 Method   Let's connect! instagram.com/vanessalinenberger Schedule a free call with me: https://calendly.com/vanessajane/30minassessment Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral What is financial coaching? Check my website! https://www.accountable.network/VanessaLinenbergerWebsite Join a free money webinar! https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0  

Money is the greatest stressor and cause for divorce so getting ahead of it and opening up that conversation is crucial. Today, I'm sharing the 5 topics you should discuss with your partner. Joint or separate accounts Budgeting Debt Retirement Children The key is to have these conversations right away and continually. Things change and circumstances shift, so staying in constant communication will help avoid being blindsided by something that can be detrimental to your relationship. And, above all, be open and give each other grace. This is a hard topic but you are both on the same team.  Need some help navigating these conversations? I can help! Schedule a free call with me and we can chat! https://calendly.com/vanessajane/30minassessment   Let's connect! instagram.com/vanessalinenberger Schedule a free call with me: https://calendly.com/vanessajane/30minassessment Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral What is financial coaching? Check my website! https://www.accountable.network/VanessaLinenbergerWebsite Join a free money webinar! https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0    

If you have any questions about mortgages, the different types, how to qualify, how to prepare for buying a home, then this episode is for you! We also discuss the current housing market and the different factors that helped get us here. This was such a good interview with tons of great info!   If you're in the PNW and need a mortgage specialist, Rick is who you need to talk to!  Rick's Contact Info: Email: Rick.Robertson@axiahomeloans.com https://axiahomeloans.com/RickRobertson/   Let's connect! instagram.com/vanessalinenberger   Schedule a free call with me: https://calendly.com/vanessajane/30minassessment     Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral   What is financial coaching? Check my website! https://www.accountable.network/VanessaLinenbergerWebsite   Join a free money webinar! https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0

The decision to lease or buy a vehicle depends on your needs and priorities. Good times to lease are if you only need a car for a few years or plan to replace your vehicle every couple years anyway. Purchasing comes with higher monthly payments, but in the long run might still be cheaper for you. Today's episode covers some of the pros and cons of each option and how to determine which is best for you. Let's connect! instagram.com/vanessalinenberger   Schedule a free call with me: https://calendly.com/vanessajane/30minassessment     Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral   What is financial coaching? Check my website! https://www.accountable.network/VanessaLinenbergerWebsite   Join a free money webinar! https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0

Planning for retirement and knowing how much you need can be overwhelming. There are tools and resources you can use to help make more educated decisions to plan ahead. Social Security Estimator: https://www.ssa.gov/benefits/retirement/estimator.html Let's connect! instagram.com/vanessalinenberger Schedule a free call with me: https://calendly.com/vanessajane/30minassessment   Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral What is financial coaching? Check my website! https://www.accountable.network/VanessaLinenbergerWebsite   Join a free money webinar! https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0

Hi! I'm here with a new name and new cover, but still delivering you financial tools and knowledge so you can live your best life! I'm giving you a little re-introduction and share a bit about my business. Have money questions? Let me know and I'll cover it in a future episode! Let's connect! instagram.com/vanessalinenberger   Schedule a free call with me: https://calendly.com/vanessajane/30minassessment     Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral   What is financial coaching? Check my website! https://www.accountable.network/VanessaLinenbergerWebsite   Join a free money webinar! https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0

Choosing renting vs buying has long been debated. I'm not here to tell you which is better but to arm you with information and things to consider when choosing what is best for you. Mortgage calculations via mortgagecalculator.org Let's connect! instagram.com/vanessalinenberger   Schedule a free call with me: https://calendly.com/vanessajane/30minassessment     Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral   What is financial coaching? Check my website! https://www.accountable.network/VanessaLinenbergerWebsite   Join a free money webinar! https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0

If you have a large tax bill due this year, you have some options. My first bit of advice, if you haven't yet, go to a CPA or professional tax preparer. They can help you in ways that a tax software just can't. 1. Offer in Compromise - if you qualify, you can negotiate your tax bill down 2. Installment Agreement - you can set this up without interest if you can pay within 120 days and owe less than $100K. If you need more time and owe less than $50K, you can still set up a payment plan but with interest and possibly some penalties. Never ignore this problem! The IRS has the ability to garnish wages and seize property. Working with the IRS and being cooperative will help you get through this. Visit the IRS website to explore more details: https://www.irs.gov/payments   Get your Tax Prep Checklist: https://view.flodesk.com/pages/6030a7ad0f39bbd4c36109b5     Let's connect! instagram.com/vanessalinenberger   Schedule a free call with me: https://calendly.com/vanessajane/30minassessment     Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral   What is financial coaching? Check my website! https://www.accountable.network/VanessaLinenbergerWebsite   Join a free money webinar! https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0

2020 was the year no one expected! And there are a number of things that came from it that you need to consider to when filing taxes this year. Always consult your professional tax preparer to get individual advice for your specific situation. Need a good referral for a tax preparer? Email me and I'll connect you! vanessa@mindfullysmartfinance.com   Let's connect! instagram.com/vanessalinenberger Schedule a free call with me: https://calendly.com/vanessajane/30minassessment Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral What is financial coaching? Check my website! https://www.accountable.network/VanessaLinenbergerWebsite   Join a free money webinar! https://www.accountable.network/accountable-money-live-optin?fbclid=IwAR1TzmgksctUv4Z0JCO5vc4_ipZh4ZKUHd0mmxmnl1UffAwf9Rem004_ot0  

Today I'm talking with Randa, a financial advisor who started her own company to help other women with their money! Hear from her what working with her looks like, what you can expect and when to think about reaching out to an advisor to help you reach your goals. Connect with Randa! Website: radiantwealthplanning.com Insta: Instagram.com/radiantranda Email: Randa@radiantwealthplanning.com Youtube: https://www.youtube.com/channel/UCxHh-91aAG9lsqzqCuSFK-g/featured   Let's connect! instagram.com/vanessalinenberger Schedule a free call with me: https://calendly.com/vanessajane/30minassessment Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral   What is financial coaching? Check my website! https://www.accountable.network/VanessaLinenbergerWebsite

The question that I get asked the most often is "Do I need to be debt free before I can start investing?" This is a great question and one that should be considered carefully, but there's no one right answer. I'm sharing a few things to consider when deciding like your goals, your relationship with your debt, analyzing toxic debt and comparing your options.   Let's connect! instagram.com/vanessalinenberger Schedule a free call with me: https://calendly.com/vanessajane/30minassessment Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral   What is financial coaching? Check out my website for info! And schedule a free call to chat with me. https://www.accountable.network/VanessaLinenbergerWebsite

There are two common types of debt repayment methods: snowball and avalanche. Today, we talking about each of these, which is best for you and how to implement each.   Let's connect! instagram.com/vanessalinenberger Schedule a free call with me: https://calendly.com/vanessajane/30minassessment Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral

Do you know what compound interest is? In short, it's interest on interest. It's great when you are calculating it for your investments, but not so great when it's on your debts. Check out calculator.net for all your financial calculator needs and more! There, you can easily calculate compound interest, determine how much in total you will pay for a loan or see how large your investments can grow.     Let's connect! instagram.com/vanessalinenberger   Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral

Skip the New Year's resolution and create yourself some new goals. Remember to make them measurable, attainable and time specific but also remember to be flexible and adjust when things out your control happen. Let's connect! instagram.com/vanessalinenberger Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral

In today's episode, I'm covering the basics of the 529 plan. What is a 529 plan? What can it be used for? Who can use one? What are the advantages and disadvantages? Let's connect! instagram.com/vanessalinenberger Want my favorite budgeting app? Try it free for 34 days. https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral

We're talking about high yield savings account, money market accounts and CDs. When is each the best option, what are the pros and cons and how to know which fits for you. Let's connect! Instagram.com/vanessalinenberger As a financial coach, I love working with others to improve their financial wellness, understanding and confidence. Want to schedule a 1:1? I'd love to chat! https://calendly.com/vanessajane/30minassessment Try my favorite budgeting app free: https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral

Fraud and identity theft is so widespread these days. Today I'm sharing a few things that are really simple, but add some extra protection or help for notifying you more quickly of suspicious activity. 1. Credit Karma - free service for credit score updates and credit monitoring. creditkarma.com 2. Privacy Guard - provides 3 bureau credit scores, monitoring and ID theft insurance. https://www.privacyguard.com/plans-pricing.html 3. Dashlane - password manager and provides notification if there is a data breach with any companies you have an account with. Use this link to get Dashlane for 6 months free: https://www.dashlane.com/cs/iVaXxQNIva_w   Let's connect! I'd love to hear from you :) instagram.com/vanessalinenberger    

FSA - Flexible Spending Accounts -- These are use or lose it, so don't miss out on this money! HSA - Health Spending Accounts -- Learn how to take advantage of all the benefits and tax advantages of this account. Shop - FSAstore.com & HSAstore.com for all approved expenses. Especially use this for unused FSA funds so you don't lose them!   Let's connect! Find me on IG: instagram.com/vanessalinenberger Need a good budgeting tool? My favorite is YNAB! Use this link for 34 days free: https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral Would you benefit with one on one coaching? Schedule a free 30 minute call with me! Let's chat and find out if it would be a good fit for you! https://calendly.com/vanessajane/30minassessment    

My husband Scott has had questions as he listens to this podcast and here he's asking all the things! Some of these you may have had and maybe you have more. Send me your questions to be answered on my next Q&A. Let's connect: www.instagram.com/vanessalinenberger Get your Holiday Spending Tracker: https://view.flodesk.com/pages/5fac9640f2dd73f8fe4b5cda Try YNAB Free (my favorite budget app): https://www.youneedabudget.com/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral  

The holidays can be really stressful, I want to help you reduce that stress by giving you some tips for planning ahead for your spending and ways to reduce your spending so you can really enjoy this time of year.   Start setting money aside as early as you can. Create a spending plan and stick to it. Only spend money on things that are important to you and bring you joy! It's okay to say no. Evaluate your spending when the holidays are over and use what you've learned for next year.   Get my Holiday Spending Tracker here: https://view.flodesk.com/pages/5fac9640f2dd73f8fe4b5cda   Connect with me on IG: instagram.com/vanessalinenberger  

This the third episode over retirement accounts and is the last of the most common types of accounts available.  The Roth IRA is unique when compared to the Traditional IRA and 401k because you contribute after tax dollars, can withdraw your contributions without penalty at any time, and can withdraw earnings (after meeting certain criteria) without penalties or income tax. Connect with me on instagram! @vanessalinenberger

A 401k isn't the only option when saving and investing for retirement. IRAs are a great tool in planning for your retirement future. Today, I'm sharing what you need to know about a traditional IRA. In 2019, almost half of households headed by someone 55 or older had no retirement savings at all, according to the U.S. Government Accountability Office. It's really important to think ahead about your retirement begin planning early. DM me any any questions! instagram.com/vanessalinenberger

Have you thought about retirement? Do you have a plan to support yourself during those years of your life? In this episode, I'm talking the basics of a 401k plan, the most common type of retirement account and how you can use it to prepare yourself for your future. Let's connect! And DM me any questions: instagram.com/vanessalinenberger

Working towards new goals is hard! It takes dedication and motivation. Today, I'm sharing 5 things I think you need to reach those goals. Determine your why Plan ahead Start small Track your progress Get an accountability partner I'll go into detail for each of these in today's episode and give you some tips to help you along the way! Let's connect on IG! I'd love to hear from you! instagram.com/vanessalinenberger

What are sinking funds? How can you use them? Sinking funds help you prepare for the unexpected, plan for irregular expenses and plan for the fun things you want in life! That money you're saving each month? Categorize it and give it a "job" so that you know exactly what you're planning for. Plan ahead of major purchases, save monthly for those irregular expenses instead of it hitting your budget all in one month, or put money aside for the things that make you happy!  You can do this with a simple excel spreadsheet or utilize an app like YNAB to create your sinking fund and start planning for your future! Connect with me on IG: instagram.com/vanessalinenberger Questions or topic suggestions? Email me at vanessa.linenberger@gmail.com  

Today we're discussing relationships and money with my husband, Scott. Money if often a common argument for couples and it's important to approach these topics with your partner with respect at the forefront. In this episode, we're giving you insights to those things that have helped us in the last 10 years of marriage and what we've learned along the way. Follow me on IG: @vanessalinenberger

Budgets provide you the freedom to spend while keeping your long term goals in mind. It doesn't take a lot of time, but it does take commitment and consistency. Today, we're talking about how a budget can give you peace of mind and help you reach those financial goals. I'll also discuss some great budgeting tools. Below are links to a couple of my favorites! Excel Budget Template: https://view.flodesk.com/pages/5e25f667d9dee3002693e06f YNAB: https://ynab.com/referral/?ref=qMc5WddklO7s3T0Z&utm_source=customer_referral Always reach out with any questions! Insta: @vanessalinenberger

Welcome to Her Money, Her Life! Today I'm sharing a bit about me and my background. I'm so excited to have you along in this journey. I'd love to get your questions and what you'd like to learn more on in future episodes! Follow and DM me on Insta: @vanessalinenberger