Podcasts about airhelp

A.P. Møller-Mærsk holder generalforsamling tirsdag og der er pres på formand Robert Uggla. OECD er kommet med ny prognose og nedjusterer vækstskøn grundet handelskrig. Tyskland tæt på pakke med mega-investeringer. Airhelp får nye ejere og værdisætning. CIP slår rekord. Trump og Putin skal drøfte våbenhvile på telefonopkald. Vært: Lasse Ladefoged (lala@borsen.dk)  

Le sujet :Saviez-vous qu'il existe des moyens simples pour économiser des centaines d'euros sur vos vacances, voyages et transports ? Ce serait dommage de passer à côté !L'invité du jour :Marc Mazière est un expert des astuces économiques. Depuis 2015, il aide des milliers de personnes à dépenser moins et à gagner plus d'argent, grâce à son blog Radin Malin.Au micro de Matthieu Stefani, Marc nous partage ses meilleurs plans : Train, bus, avion : les top astucesVoiture : comment économiser sur le carburant ?Logements de vacances : comment alléger la facture ?Payer, retirer et téléphoner à l'étranger : les meilleurs tipsPourquoi s'intéresser au cashback et programmes fidélité ?Avantages :Bonne nouvelle ! Marc nous a partagé son lien de parrainage pour obtenir 10€ en cadeau sur iGraal (site de cashback et codes promos). Rendez-vous juste ici pour en profiter.Ils citent les références suivantes :Le site mes-aides.gouv.frLes comparateurs de transport : Omio et TrainlineLe billet congés annuel SNCFLes services d'indemnisation pour retard d'avion : Air Indemnité, AirHelpLe comparateur de carburants : prix-carburant.gouv.frRéduction sur l'autoroute : autoroute-eco.frLes primes covoiturageHébergement alternatif : TocToc RoomsConciergeries pour locations saisonnières : WeHost, HostnFlyService d'abonnement partagé : GamsgoAinsi que d'anciens épisodes de La Martingale :#133 - Comment faire des économies au quotidien ?#216 - Comment bien choisir, acheter et revendre sa voiture ?Merci à notre partenaire Louve Invest:Louve Invest vous propose jusqu'à 3,5% cashback sur les frais de souscription, sur les SCPI éligibles: jusqu'à 350€ pour 10.000€ investis!Cliquez sur ce lien pour bénéficier des offres avec cashback boosté :)On vous souhaite une très bonne écoute ! C'est par ici si vous préférez Apple Podcasts, ou ici si vous préférez Spotify.Et pour recevoir toutes les actus et des recommandations exclusives, abonnez-vous à la newsletter, c'est par ici.La Martingale est un podcast du label Orso Media.

La red de aeropuertos de Aena operó 4.567 vuelos en Nochevieja de 2024, 31 menos que en la misma fecha de 2023. En resumen, durante el periodo navideño, del 20 de diciembre al 7 de enero de 2024, alcanzó un total de 97.420 vuelos, un 17,7% más que el año anterior. España se encuentra entre los países con mayor número de incidencias relacionadas con el equipaje, ocupando la novena posición mundial con 1 de cada 125 maletas afectadas por pérdida, retraso o daño. Sin embargo, el Aeropuerto de Barcelona-El Prat se desmarca como el único aeropuerto español con un desempeño destacado en la gestión de maletas, según el último informe de AirHelp. Los viajeros españoles destinan una media de 1.600 euros a escapadas durante la Navidad y Fin de Año, según la agencia online Central de Vacaciones. En detalle, los paquetes vacacionales promedian 1.625 euros por persona, mientras que los viajes multi-destino alcanzan los 1.612 euros. Baleares invierte casi 377 millones de euros para el periodo 2024-2025 del Impuesto de Turismo Sostenible (ITS) destinados a 79 proyectos que buscan transformar el destino a través de la mejora en la gestión del ciclo del agua, la sostenibilidad y la promoción de un turismo responsable. España es el destino de golf más popular entre los finlandeses, según una encuesta realizada por Golfpiste junto con iRo Research and Consulting, en la que participaron más de mil golfistas finlandeses entre el 17 de octubre y el 13 de noviembre de 2024. Según el 'Barómetro de Consumo' de Cetelem, el turismo representa el 19,5% de las principales intenciones de compra de los españoles para los próximos meses. Además, se estima que en el próximo trimestre destinarán, en promedio, 786 euros a viajes.

If you ever find yourself anxious about how you are spending your money, this episode is for you! Sammie and Michelle believe tracking your spending is one of the best first steps in taking control of your finances. They will be the first to admit, sometimes they stop the habit and feel the familiar pressure that can come with the uncertainty around where your money is going. They dive deep into how to track your spending, the benefits and why it's actually sexy. Check out our accompanying newsletter at buildawealthyspirit.com. We'd love to hear your thoughts on this episode and if you have considered tracking your spending! AirHelp: Partner For This EpisodeCheck out our partner for this episode, AirHelp. AirHelp is a part of the Association of Passenger Rights Advocates (APRA) whose mission is to promote and protect passengers' rights. Click this link if you've had a cancelled or delayed flight as well as support our podcast: AirHelp Affiliate LinkFind more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

It's giving thanks! Ok, could not resist. This episode, Sammie and Michelle dive into a different take on gratitude through writing a thank you letter to their past self. There are a lot of benefits to a gratitude practice, but we can often forget the person who's done the most for us, ourselves! Our past selves have weathered and grown through tough times. They've created happy moments for us. Sammie and Michelle discuss ways to approach a thank you letter to yourself and share themes from their own letters. You should do the exercise as well! When you do, let us know if something stuck out to you after writing your thank you letter. You can follow our podcast newsletter and leave a comment at buildawealthyspirit.comShow Notes:thank u, next by Ariana GrandeAirHelp: Partner For This EpisodeCheck out our partner for this episode, AirHelp. AirHelp is a part of the Association of Passenger Rights Advocates (APRA) whose mission is to promote and protect passengers' rights. Click this link if you've had a cancelled or delayed flight as well as support our podcast: AirHelp Affiliate LinkCommunity Shout Outs:Thank you Matt Cyr for your kind words about our podcast and we're happy to hear you are trying AirHelp out (though not happy to hear you had flying trouble!) Thank you Masha for sharing with us your favorite uses for tools like ChatGPT. We love that you tested out the prompt to ask ChatGPT about your values! Thank you Paul and Harris for sharing your love languages with us! We appreciate all the emails and comments we receive for each episode and love sharing them in the Community Time section of our podcast. Find more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

El sector turístico en la Comunidad de Madrid se ha convertido en "uno de los principales motores" de la economía madrileña al generar ya el 8,6% de su Producto Interior Bruto (PIB), con una aportación de 25.052 millones de euros en lo que va de año 2024, gracias al impulso de la demanda internacional y a la buena evolución de eventos y viajes de negocios a la región, según se desprende del informe Impactur. Las principales empresas del sector turístico han decidido sumarse al esperado 'Black Friday', uno de los eventos comerciales más destacados del año, que se celebrará el próximo viernes 29 de noviembre. Para los viajeros, esto significa una oportunidad única de acceder a descuentos y promociones exclusivas a precios muy interesantes. Airbnb ha nombrado a Jaime Rodríguez de Santiago nuevo director General para España y Portugal con la finalidad de "poner en valor los beneficios que la actividad de la plataforma genera en los destinos, especialmente en los menos tradicionales y las áreas rurales". Soltour ha incrementado sus reservas a Samaná en un 83% respecto al mes anterior y un 65% frente al mismo periodo de 2023 tras el estreno de la película Amanece en Samaná el 8 de noviembre. Esta producción, rodada principalmente en la península dominicana, ha potenciado su atractivo turístico al resaltar su riqueza natural y cultural. España se posiciona en noveno puesto del ranking de países que más equipajes pierde a nivel mundial, según datos de la empresa tecnológica Airhelp que asegura que en nuestro país se han perdido cerca de 60.000 maletas en el último mes. Barcelona podrá subir hasta 8 euros el recargo que aplica a la tasa turística de Cataluña, un suplemento que en la actualidad es de 4 euros. Ello será posible gracias a que el gobierno catalán incluirá en la ley de acompañamiento de los presupuestos de la Generalitat la subida de 4 a 8 euros del tope del recargo sobre el Impuesto sobre Estancias en Establecimientos Turísticos (IETT) que aplica el Ayuntamiento de Barcelona.

Show notesThe 5 Love Languages: The Secret to Love that Lasts by Gary ChapmanLove Languages quiz Lush massage bar AirHelp: Partner For This EpisodeCheck out our partner for this episode, AirHelp. AirHelp is a part of the Association of Passenger Rights Advocates (APRA) whose mission is to promote and protect passengers' rights. Click this link if you've had a cancelled or delayed flight as well as support our podcast: AirHelp Affiliate LinkFind more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

Show Notes:Chat GPT AirHelp: Partner For This EpisodeCheck out our partner for this episode, AirHelp. AirHelp is a part of the Association of Passenger Rights Advocates (APRA) whose mission is to promote and protect passengers' rights. Click this link if you've had a cancelled or delayed flight as well as support our podcast: AirHelp Affiliate LinkFind more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

Show NotesRamit Sethi on money dials: Money Dials: How You Spend & Why (Expert advice on spending)Antifragile by Nassim Nicholas TalebWhy You're Still Struggling with Money | Joe Dispenza Summit of Greatness Happy Money: The Japanese Art of Making Peace with Your Money by Ken HondaCommunity TimeThank you, Sam for your comments on episode 194. Reasons to Track Your Net Worth. Kat wants to hear more about how to save for your kid's future. What questions or recommendations do you all have about saving for your kids future? Comment below.AirHelp: Partner For This EpisodeCheck out our partner for this episode, AirHelp. AirHelp is a part of the Association of Passenger Rights Advocates (APRA) whose mission is to promote and protect passengers' rights. Click this link if you've had a cancelled or delayed flight as well as support our podcast: AirHelp Affiliate LinkThanks for reading the Build A Wealthy Spirit Podcast newsletter! Subscribe for free to receive new posts and support our work.Find more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

Show NotesOur Halloween Intro is back for October! Check out this week's episode to hear this spooktacular version of our normal intro theme. Why Knowing Your Net Worth Is Important by InvestopediaCommunity TimeIsabel Thank you for your comments on Episode 188. I'm Too Scared To Quit My Job and for using the term “jobby mindset” haha!! We love that you are listening and finding it useful. Whenever you take the leap, let us know! Thank you Jess and Kevin for your thoughts on 192. Transformative Lessons from the Summit of Greatness. I love that you are also fans of David Goggins and Taking SoulsAirHelp: Partner For This EpisodeCheck out our partner for this episode, AirHelp. AirHelp is a part of the Association of Passenger Rights Advocates (APRA) whose mission is to promote and protect passengers' rights. Click this link if you've had a cancelled or delayed flight as well as support our podcast: AirHelp Affiliate LinkFind more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

Show NotesSummit of Greatness Dr. Joe DispenzaBreaking The Habit of Being Yourself: How to Lose Your Mind and Create a New One by Dr. Joe DispenzaEsther PerelMating in Captivity: Unlocking Erotic Intelligence by Esther Perel David GogginsCan't Hurt Me by David GogginsAllegory of the Cave by PlatoA Course in Miracles Omar Zaki Youtube Stuntman Thank you Paul and Harris for inviting us to Summit of Greatness! AirHelp: Partner For This EpisodeCheck out our partner for this episode, AirHelp. AirHelp is a part of the Association of Passenger Rights Advocates (APRA) whose mission is to promote and protect passengers' rights. Click this link if you've had a cancelled or delayed flight as well as support our podcast: AirHelp Affiliate LinkThanks for reading the Build A Wealthy Spirit Podcast newsletter! Subscribe for free to receive new posts and support our work.Find more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

Los precios de los vuelos nacionales en España han aumentado un 30% desde enero de 2024, alcanzando una tarifa media de 124 €. En agosto, coincidiendo con un récord de viajeros en los aeropuertos, el incremento fue del 21% en comparación con el mismo mes de 2023. Por el contrario, los precios de los vuelos internacionales han disminuido. El Parque-Jardín Histórico del Monasterio de Piedra reabrirá el 14 de septiembre tras la mayor crecida del río Piedra registrada. La inundación causó daños en zonas emblemáticas como la cascada Caprichosa y la Gruta Iris, pero los trabajos de restauración ya están en marcha para recuperar las áreas afectadas. Los aeropuertos de la red de Aena en España registraron 208,16 millones de pasajeros entre enero y agosto de 2024, un 10,1% más que en el mismo periodo del año anterior, tras un verano récord en cifras de pasajeros. IAG ha nombrado a Rafael Jiménez Hoyos nuevo consejero delegado de la aerolínea Level, un puesto que pasará a ocupar el 1 de octubre cuando se retire Fernando Candela. Turespaña ha elegido a la empresa consultora de comunicación LLYC para gestionar sus redes sociales a nivel global. El contrato inicial tiene una duración de dos años e incluye la posibilidad de prórrogas anuales hasta los 4 años. Renfe y Talgo ya han agotado la fase de conciliación respecto a las compensaciones que la empresa pública le ha pedido al fabricante de trenes por el retraso en la entrega de las unidades Avril, anticipando así la apertura de una fase judicial. Más de un millón de pasajeros tendrían derecho a pedir una indemnización por retraso de su vuelo durante este verano en España, según los cálculos de AirHelp. Sin embargo, la plataforma considera que el 80% de los pasajeros no conoce sus derechos cuando vuela y, por lo tanto, podría estar perdiendo la compensación que le corresponde.

Trainline, la plataforma de reservas de viajes en tren y autobús, ha revelado que siete de cada diez personas en España compran sus billetes de tren a través de webs o apps. Además, un 86% de los españoles disfruta viajar en tren, superando la media europea del 72%. Royal Caribbean invertirá más de 100 millones de dólares en la renovación de su barco el Allure of the Seas. La renovación se llevará a cabo en las instalaciones de Navantia en Cádiz. Los cinco destinos españoles más buscados por los alemanes para sus vacaciones de verano de 2024 son Palma de Mallorca, Barcelona, Alicante, Málaga y Tenerife, reflejando la importancia del mercado alemán como segundo mayor emisor de turismo hacia España. Los aeropuertos de la red de Aena que forman parte del programa Airport Carbon Accreditation (ACA) han ascendido o renovado su nivel de acreditación, dando un paso más en el compromiso de la compañía de alcanzar la neutralidad en carbono en 2026. En agosto de 2024, el precio medio por noche de los alojamientos turísticos en España llegará a los 196€, lo que representa un incremento del 6,5% en comparación con el año anterior, cuando el precio medio fue de 184€, según datos de eBooking.com. El Aeropuerto Internacional de Hamad en Doha es el mejor del mundo según el ranking 2024 de AirHelp. Por otro lado, Madrid sigue siendo el aeropuerto español con más reclamaciones, con un 19% del total registrado por Reclamio.com este verano, seguido por Barcelona con un 13%. Los cinco destinos más populares entre los españoles que viajan solos este verano, según Civitatis, son Roma, Atenas, Madrid, Londres y Budapest.

In 2019, I moved into “Mummy Daddy”'s House to save BIG for my retirement. I recently got into FIRE and was looking for a way to cut down on housing costs while living in the Bay Area. Though I was on the fast track to early retirement, my parents were barely on track for normal retirement. The culprit? A low savings rate. My parents spent too much money on things they did not care about. The would regularly spend $300 on groceries at Costco despite both of them eating very little. When I realized that criticism was not working, I decided to help them calculate their net worth and spending. We found that outside of her 401k contribution, my parents were saving very little. They were also

If you are finding yourself in an uncertain situation and wondering how to deal with uncertainty, this is the episode for you. Sammie and Michelle reflect on how uncertain life still feels in 2024 and share tips they've been using to deal with uncertainty. Show Notes:The 7 Habits of Highly Effective People by Stephen Covey Seven Ways to Cope with Uncertainty by Christine CarterThe Work of Byron KatieInsight TimerSame as Ever: A Guide to What Never Changes by Morgan Housel Click here to check out AirHelp, our partner for this episode! The team at AirHelp can assist you when you have a delayed or canceled flight and want to see if you can get compensation for your inconvenience. You give them your flight information, and they talk to the airlines for you! Find more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

Airbus, Aena, Air Nostrum, Iberia, Exolum y Repsol han firmado un acuerdo de colaboración para estudiar la creación del primer hub aeroportuario de hidrógeno ubicado en España. Esta colaboración proporcionará a los socios una visión holística del avión propulsado por hidrógeno y de cómo puede integrarse en el ecosistema aeroportuario. Un total de diez aeropuertos españoles están presentes en el ranking mundial de AirHelp 2024, formado por aproximadamente 240 aeródromos de 70 países distintos, con el de Bilbao repitiendo como el español mejor posicionado, en el puesto 29; seguido del de Madrid-Barajas y el de Ibiza, en las posiciones número 50 y 78, respectivamente. Extremadura, Canarias y Castilla y León son los destinos más baratos para alquilar una vivienda vacacional de cara a esta temporada de verano en España, con un precio medio por noche de 115, 119 y 127 euros, respectivamente, según datos del portal Holidu. Ouigo lanza la campaña 'billete by the face' para viajar en alta velocidad durante el verano. Hasta el 30 de septiembre, los clientes que hayan comprado seis billetes entre dos mismos destinos recibirán un billete gratis para un nuevo desplazamiento. La ciudad de Málaga y el centro de Madrid sumarían un 24,29% y un 20,95%, respectivamente, si convirtieran los pisos turísticos que hay en dichas zonas en viviendas destinadas al mercado residencial, según datos del 'Observatorio del Alquiler' de la Fundación Alquiler Seguro y la Universidad Rey Juan Carlos (URJC). Según el último informe de Sojern sobre tendencias de viajes para el verano de 2024, España se ha consolidado como uno de los destinos más buscados por turistas internacionales. En concreto, Madrid y Barcelona destacan entre los destinos más buscados por turistas de Europa, América Latina y Estados Unidos, ubicándose en el Top 15 de todos los mercados. Gabriel Escarrer Jaume, CEO de Meliá Hotels International, Antonio Catalán, presidente de AC Hotels by Marriot, y Luis Gallego, CEO de International Airlines Group (IAG), son los tres directivos del sector turístico mejor posicionados en la última edición del ranking de "Los 100 líderes con mejor reputación empresarial" elaborado por Merco. España concentra el 16% del gasto 'tax free' en Europa, situándose en el tercer puesto detrás de Francia e Italia, cada una con un 27%. Según el informe 'El turista de élite' de Global Blue para Círculo Fortuny, el sector de alta gama lidera la recuperación del turismo de compras en España, con un crecimiento del 164% en el gasto 'tax free' en los últimos 12 meses.

If dependency is not a bad word, nobody told Michelle and me. Since we were children our mom has implanted us with the mantras: “You must be independent”, “Never depend on a man”, etc. Immigration to the United States of America probably self-selects for the most independent-minded people and we were brought up in an entire family of freedom lovers. Independence has served us well. We were eager to start working and provide for ourselves. We were eager to learn about financial independence. Did someone say we could be free from even outside sources of income? Count us in. So what's the only problem with independence? The fact that none of us are truly independent. We rely on others for social support, mentoring, financial security, diverse perspectives, new ideas, inspiration, and more. In the book Attached, the authors discuss how depending on another person like a romantic person can provide security that can allow for more creativity and adventure. Ironically, the sense of safety that comes from relationships provides us with more freedom in our lives. This week Michelle and I discuss how dependence can be beneficial and how actions like being vulnerable and expressing your needs can help create a mutualistic relationship. Show Notes:Attached by Amir Levine and Rachel HellerCommunity TimeWhat do you think about dependence? Let us know on our substack!AirHelp: Partner For This EpisodeCheck out our partner for this episode, AirHelp. AirHelp is a part of the Association of Passenger Rights Advocates (APRA) whose mission is to promote and protect passengers' rights. Click this link if you've had a cancelled or delayed flight as well as support our podcast: AirHelp Affiliate Link. Find more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

En un nuevo podcast de la Radio de Diario de Transporte, hablamos de los derechos de los pasajeros ante los abusos o problemas con las líneas aéreas, con Rosa García, asesora legal de AirHelp.  ¿Que tienen que hacer los pasajeros de líneas aéreas cuando se producen retrasos o cancelaciones de vuelos?. ¿cómo actuar ante las pérdidas de equipajes?, ¿cómo pueden reclamar?, ¿que derechos tienen?, ¿a qué están obligadas por ley las líneas aéreas?. De todo ello hemos hablado con Rosa Garcia, que responde claramente en este podcast a todas las posibles dudas, aportando soluciones a todos los problemas que podamos tener a la hora de volar en avión. --- Send in a voice message: https://podcasters.spotify.com/pod/show/radio-diario-transporte/message

I remember reading Shonda Rhimes's Year of Yes shortly after moving to San Francisco. In the book, Rhimes discusses how she spent a year saying yes to every invitation, request, and opportunity to play with her children that came her way. She found the experience brought her so much joy as well as new friendships and opportunities. What did I feel when I read this book? Guilt. I felt guilty because I did not want to say yes. I was tired. At that time, I had a total three-hour commute and loads of paperwork after the workday. The last thing I wanted to do was say yes to anything extraneous. Michelle and I have realized that life comes with seasons of expansion as well as seasons of contraction, seasons of yes, and seasons of no. In our seasons of yes we bring in new friendships, new hobbies, new opportunities, and new experiences. We remember these seasons fondly as times when we were exploring. Just as important is the season of no. Derek Sivers puts it eloquently in his piece “No yes. Either Hell Yeah! or no”. Seasons of no are about clearing the calendar, the mind, and the home. No to everything extra! Hell yes or no is minimalism applied to our lives. Our “no's” create moments of stillness, quiet, and boredom where new insights and ideas grow and flourish. We see this with the collective calendar clearing brought on by COVID-19. Many people report they found clarity in their purpose and direction when they were forced to do less. What season are you in right now? Yes or no? What insights are you finding from this season of your life? Comment below. Show Notes:No yes. Either HELL YEAH! or no by Derek SiversYear of Yes by Shonda RhimesVeken Coffee Canister, Airtight Stainless Steel Kitchen Food Storage Container with Date Tracker and ScoopCommunity TimeI, Sammie, am saying no to extra spending!!! Is anyone else trying to reduce their spending? What things have you NOT bought lately? Comment below. AirHelp: Partner For This EpisodeCheck out our partner for this episode, AirHelp. AirHelp is a part of the Association of Passenger Rights Advocates (APRA) whose mission is to promote and protect passengers' rights. Click this link if you've had a cancelled or delayed flight as well as support our podcast: AirHelp Affiliate LinkFind more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

What if you could change from the negative to the positive without changing anything about your circumstances? No, this is not a multi-level marketing scheme! The key is changing our perspective. I remember when I was in my early twenties I would rarely have more than a few hundred dollars and I never felt any scarcity about this. When I think back on this I'm shocked. A flat tire, a broken arm, an unexpected night at a hotel could have demolished all my wealth, and yet I was walking around with no sense of insecurity. Reflecting on my twenty-year-old self, I realized that our sense of financial security exists solely in our minds. What if I could re-channel the abundance mindset that I naturally carried in my twenties? This week Michelle and I discussed strategies to change our perspective so we can radiate abundance and draw in all forms of wealth. Here are our strategies:Change the stories you tell yourselfMake and keep a list of everything you have manifested, positive blessings, even the little thingsHave Gratitude Show Notes:If you live in Charleston, check out Chris' Manifestation group here!My new deodorant that smells like a sugar cookieTony Robbins' Netflix Documentary: I Am Not Your GuruMerlin Birding App“Chain glow like Hallelujah” Megan Thee StallionCommunity TimeThank you Harris HYPRfocus and Paul for sharing your five parasocial relationships! Thank you, Aloni for your tweet about our last episode and the Merlin App. AirHelp: Partner For This EpisodeCheck out our partner for this episode, AirHelp. AirHelp is a part of the Association of Passenger Rights Advocates (APRA) whose mission is to promote and protect passengers' rights. Click this link if you've had a cancelled or delayed flight as well as support our podcast: AirHelp Affiliate LinkFind more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

Henrik Zillmer is the CEO and co-founder of AirHelp, a flight compensation company which helps people get money back from airlines for delayed, cancelled and overbooked flights. AirHelp has offices across the world, is available in 30 countries, offers support in 16 languages and employs more than 550 employees globally. Henrik is a serial entrepreneur who has created more than 10 startups in the United States, Europe and Asia, including Zalora and most recently Room.com. Previously, he worked at UNICEF in Copenhagen and as an IT consultant in Silicon Valley.

The tech industry is known for rapid changes. How do you prepare your teams for unexpected shifts, and what role does leadership play in these scenarios?The next guest of our Disruption Talks is Tim Boisvert, CTO at AirHelp, a company that has helped over 10 million people deal with flight disruptions. Prior to this role, Tim led engineering teams of over 100 members at wefox, Yahoo, and AOL.He also has extensive experience in improving development processes and managing comprehensive engineering services. Tim has driven advanced content and personalization platforms, enhancing global publishing and machine-learning infrastructure.Listen to this Disruption Talks episode as Tim Boisvert discusses with Barbara Rybicka, Consulting Director at Netguru:– How to integrate new technologies into company strategy with real-world examples of impactful technological advancements– How to prepare teams for unexpected industry shifts and the crucial role of leadership in these scenarios– How to adapt management styles to fit diverse team dynamics in a rapidly changing tech environment

Show Notes:Set Boundaries, Find Peace: A Guide to Reclaiming Yourself by Nedra Glover TawwabNot Nice by Aziz Gazipura The Alchemist by Paulo CoelhoCommunity TimeEpisode 173. Clearing the Mind: Using Byron Katie's Inquiry to Banish Negative JudgementsIDR WAIVER EXTENSION: Payment Count Adjustments Toward Income-Driven Repayment and Public Service Loan Forgiveness ProgramsAirHelp: Partner For This EpisodeCheck out our partner for this episode, AirHelp. AirHelp is a part of the Association of Passenger Rights Advocates (APRA) whose mission is to promote and protect passengers' rights. Click this link if you've had a cancelled or delayed flight as well as support our podcast: AirHelp Affiliate LinkFind more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

My sabbatical has been a journey inward. I deeply appreciate how we arrive at this “earth school”, Byron Katie's words, to break the disruptive thought patterns that otherwise play out repeatedly. For many years, I've enjoyed meditation in calming the mind and recognize thought patterns, but sometimes I need a little extra help when I am deep in my emotions. This is where I have found The Work of Byron Katie extremely helpful. Byron Katie uses four simple questions and their turnarounds to help us discover how we may be thinking in a way that brings us stress. Before answering the questions write down your belief and sit in the moment where you most strongly experienced the negative emotion. Is it true?Can you absolutely know that it's true?How do you react when you believe that thought?Who would you be without the thought?Turnarounds: Then turn the belief around in as many ways as you can. (Examples really help with this, check out this week's episode or the Byron Katie Podcast- At Home with Byron Katie- for examples). Show Notes:Byron Katie's Website At Home with Byron Katie Podcast Byron Katie's The Work AppMy Most Favorite Asenlin Backpack that fits underneath the seat and opens horizontally!Community TimeThank you Jackie and Seravin for introducing us to Byron KatieThank you Harris from HYPRfocus and Paul for noting that I have been hanging out before April 2025! I await an intervention about Google Docs. Thank you Masha for your thoughts on financial education! May you manifest everything you dream of!Andrew, Thanks for Sharing that you are reading Die With Zero. This is one of my favorite books!AirHelp: Partner For This EpisodeCheck out our partner for this episode, AirHelp. AirHelp is a part of the Association of Passenger Rights Advocates (APRA) whose mission is to promote and protect passengers' rights. Click this link if you've had a cancelled or delayed flight as well as support our podcast: AirHelp Affiliate LinkFind more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

We received this piece entitled “Millennials want to retire by 60. Good luck with that.” from Michael, a listener of this podcast who wanted to know our thoughts. This piece, published in USA Today, reflects the click-bait content that is out there to scare people while not providing guidance on how to make changes. In this episode, Michelle and I go through this piece and point out the flaws in the article. We also talk about how to think about whether we can retire or not using well-studied research like the Trinity Study and data about our individual spending and saving patterns. We target this piece, not because it is unique, but because so much information is out there that is meant to inflame without benefitting the reader. Have you seen a piece, TikTok, Youtube video, Instagram post, etc. that has done this? Post in the comments below so we can all evaluate it together. Show Notes:USA TODAY: Millennials want to retire by 60. Good luck with that.The Trinity Study on Withdrawal Rates: Retirement Savings: Choosing a Withdrawal Rate That Is SustainableOur episode about the 4% rule for calculating your retirement numberThe Shockingly Simple Math Behind Early Retirement by Mr. Money Mustache includes a savings rate chart.Community TimeAirHelp: Partner For This EpisodeCheck out our partner for this episode, AirHelp. AirHelp is a part of the Association of Passenger Rights Advocates (APRA) whose mission is to promote and protect passengers' rights. Click this link if you've had a cancelled or delayed flight as well as support our podcast: AirHelp Affiliate LinkFind more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

A sabbatical can change our perspective on time and money, changing how we perceive work. Since being on my sabbatical, I now prioritize my time over income. Of course, there may be jobs that provide me with both free time and a solid income, time freedom is the priority.When considering your priorities and options after a sabbatical, here are some key factors to think about:Time: How much time do you want to dedicate to work versus other activities or interests?Income: What level of income do you need or want to sustain your desired lifestyle?Location Flexibility: Are you open to working remotely, or do you prefer a job that requires you to be in a specific location?Travel: Is travel a priority for you, and do you need a job that allows for flexibility in this regard?Unconventional Schedule: Are you looking for a job with non-traditional hours or a flexible schedule?Interests: What types of work align with your passions and interests?Show Notes:No man ever steps in the same river twice, for it's not the same river and he's not the same man.Community TimeCongratulations Carla on getting her Student Loans Forgiven!!April 30th is the final deadline to consolidate student loans. This is important for loan forgiveness Reasons to consolidate your loansFederal Student Loan link for consolidationCheck out our episode on student loansConfused about student loans? I'm happy to help!! Comment below and we can talk AirHelp: Partner For This EpisodeCheck out our partner for this episode, AirHelp. AirHelp is a part of the Association of Passenger Rights Advocates (APRA) whose mission is to promote and protect passengers' rights. Click this link if you've had a cancelled or delayed flight as well as support our podcast: AirHelp Affiliate LinkFind more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

Air passengers in the United States have very few rights when it comes to flight delays or cancellations. If you are flying in Europe you have many more rights and could be paid for your inconvenience. There is a service that can help acquire that compensation and help you if you are stranded. This episode I speak with Eric Napoli, Vice President of Legal Strategy and Leader of the Tech & Innovation team at AirHelp.com to talk about your rights and how they can help. All that and more on the Driving You Crazy Podcast.    Contact: 303-832-0217 or DrivingYouCrazyPodcast@Gmail.com Jayson: twitter.com/Denver7Traffic or www.facebook.com/JaysonLuberTrafficGuy  WhatsApp: https://wa.me/17204028248 Instagram: https://www.instagram.com/denver7traffic   AirHelp: https://www.airhelp.com/en/   Production Notes: Open music: jazzyfrenchy by Bensound Close music: Latché Swing by Hungaria

When I started calculating my net worth in 2019, I felt like a complete fraud. I had -$164,000 in student loan debt and I knew I would continue to have this debt until my student loan forgiveness period is completed in April 2025. Previously, I also assumed that my net worth would be negative until the loans were forgiven. This is where I was completely wrong. As I started tracking I found that with my deliberate saving and investing my net worth was rapidly increasing DESPITE still having -164k in student loan debt. Inspired by the change, I started saving and investing even more and in Jun 2020 my net worth was positive for the first time. The plan I had created for myself worked and it worked really well! I never admitted this out loud, but on that day I set an even more aggressive goal- to become a millionaire by the time my loans are forgiven. To be honest, I'm not 100% sure I will reach this goal, but I have already received drastic life-changing benefits from the wealth I have. I already get to spend my time the way I want to and, because of that, I am happier and healthier than I've ever been.Show Notes: Net Worth: What It Is and How to CalculateIt by Investopedia Not an advertisement: Our favorite savings account- Capital One Performance 360 SavingsCommunity TimeAirHelp: Partner For This EpisodeCheck out our partner for this episode, AirHelp. AirHelp is a part of the Association of Passenger Rights Advocates (APRA) whose mission is to promote and protect passengers' rights. Click this link if you've had a cancelled or delayed flight as well as support our podcast: AirHelp Affiliate LinkFind more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

Nesta edição de “Viaje na CBN”, o comentarista Edson Ruy fala de um local já carimbado nos passaportes de quem ama viajar de avião: os aeroportos! Dentre longos atrasos para embarques internacionais e malas despachadas, nem só de turbulências vivem os terminais aeroportuários. Especialmente, quatro aeroportos brasileiros que foram reconhecidos na lista de melhores do mundo, em 2023. Segundo ranking divulgado pela empresa AirHelp, os aeroportos internacionais de Recife, Brasília, Belém e Belo Horizonte se destacam nos quesitos pontualidade e até compras e alimentação. Ouça a conversa completa e entenda!

When Michelle and I heard that James Clear, author of the renowned book Atomic Habits, launched Atoms, a habit-tracking app, we had to try it for ourselves. Michelle and I are HUGE fans of James Clear, to the point where Michelle may have had a less-than-wholesome dream about him ;). (ahahaha that's what happens when you let me write the newsletter, Michelle!) He is the captain of our generation's habit-forming ship. Putting Habit Tracking AppsMichelle and I tested out four different habit-tracking appsAtoms- James Clear's new identity-based AppHabit Tracker- A classic checkbox-style tracker Everyday- An aesthetic “don't break the chain” style tracker The Notes App- Yes, the yellow notepad that comes preloaded on every iPhoneIn our habit-tracking journey, we saw some recurring themes regarding habit tracking. Show Notes:Atomic Habits by James Clear Atoms the habit tracking app by James Clear Habit TrackerEveryday Tracker AppThe Notes AppCommunity TimeCheck out our Charleston Lady Podcaster friends!Harris of HYPRfocus podcast: On her podcast, Harris talks about self-optimization and self-development. Harris was on our podcast episode 157, check it out here!Sage and Kate of the SoroPod podcast: The Social Room podcast is an awesome podcast where hosts Sage and Kate interview different entrepreneurs in the Charleston Area. Thanks to everyone who signed up for or shared Michelle and Tobys' Sabbatical Course!AirHelp: Partner For This EpisodeCheck out our partner for this episode, AirHelp. AirHelp is a part of the Association of Passenger Rights Advocates (APRA) whose mission is to promote and protect passengers' rights. Click this link if you've had a cancelled or delayed flight as well as support our podcast: AirHelp Affiliate LinkFind more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

HIP 2024 promete generar un impacto económico de 71 millones de euros y consolidar a Madrid como la capital mundial de la innovación en el sector hostelero. Con la participación de más de 45.000 empresarios, el evento proporcionará un espacio para conocer las últimas innovaciones y estrategias destinadas a mejorar la competitividad de los negocios. España recibió a un total de 311.555 turistas japoneses en 2023, un 150% más en comparación con 2022, pero la mitad de los 686.091 que llegaron en 2019, mientras que el gasto que realizaron fue de 843 millones de euros, siendo el doble que el año anterior y un 38% menos que antes de la pandemia. Un estudio realizado por Flat 101 evalúa la experiencia digital del usuario en el sector hotelero español, revelando áreas de mejora. La puntuación promedio de usabilidad es de 69,3, ligeramente por encima de la media global. Entre las buenas prácticas se recomienda priorizar la posición de elementos clave como el fast-booking, y usar etiquetas como "Cancelación gratuita" o "Última habitación" para mejorar la conversión. El turismo de caravana continúa en crecimiento en España durante el año 2023, según datos de CamperDays, con más de 170.000 noches reservadas en alquileres de autocaravanas. Aunque en Madrid se observa un repunte en las reservas de caravanas, el número de pernoctaciones en campings dentro de la Comunidad Autónoma apenas supera el millón. AirHelp destaca el 20º aniversario de la CE 261, normativa que ha servido como base para las legislaciones en favor a los derechos de los pasajeros de todo el mundo. A pesar de su impacto positivo, la compañía señala la necesidad de reformas para adaptarla a los cambios y mejorar la experiencia de los viajeros aéreos. El Consejo Mundial de Viajes y Turismo hace un llamamiento a la Unión Europea para desbloquear todo el potencial del sector, que ha superado récords de empleo con más de 22 millones de personas y una contribución de €1,4 billones. Destaca tres áreas clave de enfoque para mejorar el sector: la transición hacia un futuro más verde y sostenible, la facilitación de viajes transfronterizos y la promoción de la digitalización. Estas iniciativas buscan alcanzar una contribución de €1,9 billones para 2033.

España alcanzó un hito histórico en 2023 al recibir a 85 millones de turistas extranjeros, la cifra más alta registrada. El gasto turístico también experimentó un significativo aumento del 25%, alcanzando los 108.662 millones de euros, según confirmaron los datos del INE. Iberia pone fin al conflicto del handling tras firmar con los sindicatos UGT y CCOO un acuerdo para la creación de una nueva empresa, participada 100% por el grupo IAG con mayoría de Iberia. La actividad principal de la empresa será la prestación de servicios de asistencia en tierra, tanto a terceros como propios, en los aeropuertos en los que Iberia consiguió la licencia y en los ocho en los que la perdió. España recibió la visita de más de 28,1 millones de turistas británicos y alemanes en 2023, año récord del sector, aunque supuso la pérdida de un millón de visitantes entre ambos países en comparación con el año 2019. Por el contrario destaca el crecimiento exponencial registrado por Estados Unidos en este mismo periodo, que sí supera las cifras prepandemia y dispara el número de sus visitantes. Holidu, el portal de reservas de alquileres vacacionales, ha revelado las principales ciudades europeas que prefieren los nómadas digitales para disfrutar del invierno mientras trabajan. En la primera posición se encuentra Valencia, seguida de Barcelona en la segunda y Lisboa en la tercera. La Comisión Nacional de los Mercados y la Competencia (CNMC) ha aprobado la subida de un 4,09% de las tarifas aeroportuarias propuesta por Aena para 2024, que entrará en vigor el próximo 1 de marzo, según ha informado en un comunicado. Los aeropuertos de Murcia, Málaga y Alicante destacan como los de peor puntualidad en España durante 2023, según el análisis de AirHelp. Por otro lado, Asturias, con menor tráfico aéreo, y Bilbao, que maneja uno de los mayores volúmenes, sobresalen como los aeropuertos con mayor puntualidad del país.  El 60% de los niños españoles se siente incómodo cuando los adultos les piden que permanezcan quietos durante los vuelos, según revela un estudio de Booking.com. Esta solicitud, junto con el pedido de silencio (40%) y el mal humor de algunos adultos (37%), son las menos agradables para los niños. A pesar de estas incomodidades, el 72% de los niños en España disfruta volar en avión, superando la media europea. El sector del camping cerró 2023 con una cifra histórica de 9,9 millones de viajeros que supera en un 19,8% el nivel de 2019 y supuso un incremento del 4,7% en comparación a 2022, según datos publicados por el Instituto Nacional de Estadística y destacados por la Federación Española de Campings.

One silver lining of COVID is that it gave me a new appreciation for in-person gatherings. As much as online meetings can help connect when we cannot meet in person, there is nothing that compares to IRL meetings. Last weekend, Michelle and I attended CAMP FI in Florida. There were 80+ FI/RE lovers present at a summer-camp style venue with speakers, break-out sessions, outdoor activities- kayaking, yoga, archery, karaoke and lots of time to have deep intimate conversations. Michelle and I found five unique benefits to this type of IRL meeting with like-minded people: Meeting real-life people rather than listening to internet personasDeepen your interest in FISimilar strugglesInside jokesVenn diagram of interests Show Notes:CampFI Coast FI/Lean FI definitions by Tally.comThe Complete Guide to Chase Ultimate RewardsOutlive: The Science and Art of Longevity by Dr Peter AttiaThe Simple Path to Wealth by JL Collins I Will Teach You To Be Rich by Ramit Sethi Your Money or Your Life by Vicki Robin and Joe DominguezQuit Like a Millionaire by Kristy Shen and Bryce LeungCommunity TimeJess from Oak and Grain Refinishing YoutubeInstagram BWS on Social MediaInstagramTik TokYoutubeAirHelp: Partner For This EpisodeCheck out our partner for this episode, AirHelp. AirHelp is a part of the Association of Passenger Rights Advocates (APRA) whose mission is to promote and protect passengers' rights. Click this link if you've had a cancelled or delayed flight as well as support our podcast: AirHelp Affiliate LinkFind more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

España es el país europeo con más tráfico aéreo en 2023, según un análisis de AirHelp. En concreto, tiene registrados más de 800.000 vuelos y más de 120 millones de desplazamientos de pasajeros. Alemania, Francia, Italia y Reino Unido, en ese orden, completan el ranking de países europeos con mayor tráfico aéreo. Los españoles que viajan en solitario encuentran en esta experiencia una oportunidad para el autoconocimiento (32 %) y la búsqueda de nuevas experiencias (38 %), según revela un estudio de mercado de eDreams. Sin embargo, la principal motivación es la total libertad de movimientos (41 %). En cuanto a los destinos preferidos, las escapadas en solitario se centran principalmente en lugares de playa y relax (50 %), seguidos de destinos culturales (41 %) y lugares relacionados con el deporte (35 %). ObservaTUR anuncia la incorporación de Iryo a su cuadro de patronos. Entre las ventajas que conlleva esta integración figuran, por ejemplo, la intervención directa en la elaboración de los estudios de temporada del Observatorio o la inclusión de un portavoz en su comité de expertos. Reclamio.com, empresa especializada en gestionar las reclamaciones de los pasajeros aéreos, ha incrementado un 14% su facturación y ha logrado superar los 4 millones de euros en 2023. Para 2024, su objetivo es consolidar los mercados internacionales de Alemania y Portugal e incrementar su presencia en Francia. Spain Film Commission coorganiza junto a IFEMA MADRID la VI edición de FITUR Screen, la sección monográfica dedicada al turismo de pantalla que contará con un espacio en el Pabellón 10 de 99 m2. Este espacio, ofrecerá un área personalizada de networking y albergará un intenso programa enfocado en la promoción del turismo de pantalla.

The end of the year is a busy time with multiple holidays, end-of-year deadlines at work, and family gatherings. With all the hustle and bustle, we often neglect our end-of-year financial tasks. This week Michelle and I created a five-step money checklist for the end of the year. 5 Essential Year-End Money Must-Dos Max out/contribute to your tax-advantaged accounts Sign up for Health Care and make vision/dental/medical appointmentsSpend FSA moneyConsolidate Student Loans by December 31Make charitable donations Show notesTop 6 tips: Your year-end financial checklist by VanguardHow to Do a Backdoor Roth IRA by White Coat Investor BWS 141. Student Loans and the new SAVE plan with Becca Baldauf from Student Loan PlannerCommunity TimeIf you live in or near Charleston, SC, join our meet-up group! Come to our upcoming ugly sweater party on December 9!BWS on Social MediaInstagramTik TokYoutubeAirHelp: Partner For This EpisodeCheck out our partner for this episode, AirHelp. AirHelp is a part of the Association of Passenger Rights Advocates (APRA) whose mission is to promote and protect passengers' rights. Click this link if you've had a cancelled or delayed flight as well as support our podcast: AirHelp Affiliate LinkFind more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

Sammie and Michelle take a look at gratitude with a twist, specifically how you can use gratitude to manifest more abundance into your life.Let us know your thoughts at buildawealthyspirit.com! ---AirHelp is our partner for this episode! We've been huge fans of them because they are so easy to work and solve a problem almost anyone who flies encounters. We're talking about canceled flights or obscene delays. With AirHelp, you give them your flight information and they go to contact the airlines to see if they can get you compensation under your Air Passenger Rights. Bookmark them for the holiday season, though we hope you have safe travels and don't need it! Click here to see if you are eligible for compensation!Find more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

Taking a break from work might seem like an easy thing to do, but anyone who has taken a sabbatical can speak to the surprising changes that occur when we leave traditional work. The Seven Habits of a Highly Effective SabbaticalPrioritize Quality Sleep Maintain a healthy diet and exercise routineForm a meditative spiritual practiceFoster an Abundance mindsetPractice Self CompassionLimit yourself to 4 ProjectsBuild CommunityShow notesSammie's sunrise alarm clockSeven Habits for a Happy Retirement2-hour cocktail party by Nick GrayOur podcast with Nick Gray, author of The 2-Hour Cocktail PartyHow to build your dream community, BWS episode AirHelp: Partner For This EpisodeCheck out our partner for this episode, AirHelp. AirHelp is a part of the Association of Passenger Rights Advocates (APRA) whose mission is to promote and protect passengers' rights. Click this link if you've had a cancelled or delayed flight as well as support our podcast: AirHelp Affiliate LinkFind more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

See here for full show notesThe financial independence number is the amount of money a person needs to retire or not work again. Using information from the Trinity study, linked in the show notes below, we can find out our FI number by taking our annual spending and multiplying by 25.I've found knowing my FI number incredibly motivating in saving and knowing what my financial goals are. Michelle, on the other hand, feels that people place too much importance on the FI number. She finds that people use the FI number to trap themselves in a job or stay in a mediocre situation. Today on the podcast, Michelle and I discuss the FI number and debate its importance. Don't worry, there will be no hair-pulling or kicking each other's shins. Show notesThe Trinity Study: Retirement Savings: Choosing a Withdrawal Rate That Is SustainableMr. Money Mustache's take on the Trinity Study- The Shockingly Simple Math Behind Early RetirementGrant Sabatier author of Financial FreedomCody Berman co-host of The Financial Independence ShowNavigating the Friend Recession: Building Stronger Communities, a conversation with Doc G of Earn and InvestSunrise Sun LampChoose FI episode 461, discussing community and Nick Gray's 2 hour cocktail partyThe 2-Hour Cocktail Party: How to Build Big Relationships with Small Gatherings by Nick GrayAirHelp: Partner For This EpisodeCheck out our partner for this episode, AirHelp. AirHelp is a part of the Association of Passenger Rights Advocates (APRA) whose mission is to promote and protect passengers' rights. Click this link if you've had a cancelled or delayed flight as well as support our podcast: AirHelp Affiliate LinkFind more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

In November 2021, Michelle and I came up with a concept called “Death Clock”. We were driving back from my job interview in the middle of the desert when we started pondering scenarios involving our own mortality. If we had a timer next to our head that said we only had ten more years to live, would we change anything? If the timer said five years or one year, what would change? This thought experiment shed light on the perceived and real limitations that were preventing me from making changes. At that time, the death clock exercise made me realize that under no circumstance would I stay at my current job in San Jose because it was both taking up all my time and paying less than my future job in the desert. I ended up taking the desert job. We moved to the middle of nowhere. A radio tower fell on our house. Michelle started working two jobs related to her interests and now is writing regularly. I ultimately quit my job to take a sabbatical and now we are living in South Carolina. Life moves fast when death clock is on the brain. Today, we discuss how the concept of death clock has impacted our lives and how death clock brought clarity to the life changes that needed to be made to live more closely in alignment. Show notesDeath Meditation Can Reduce Anxiety and Improve Your LifeOur previous Death Clock episode Community TimeListen to us discuss the Friendship Recession with Doc G on Earn and InvestThank youSean Murphy for sharing our episode on Deprogramming from the Corporate Mindset on Instagram. AirHelp: Partner For This EpisodeCheck out our partner for this episode, AirHelp. AirHelp is a part of the Association of Passenger Rights Advocates (APRA) whose mission is to promote and protect passengers' rights. Click this link if you've had a cancelled or delayed flight as well as support our podcast: AirHelp Affiliate LinkFind more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

Budgeting, or planning how your dollars are going to be spent in the future, is more tricky than simply tracking each expense. I've always marveled at zero-based budgeting software like YNAB, You Need a Budget. With YNAB, you take every dollar from your income and assign it to a job. Some money gets set aside for rent, groceries, savings, etc. However, as someone with a high savings rate, zero-based budgeting strategies seemed a bit overkill for my needs. Not working complicated all of this. Budgeting and tracking my expenses is so much more important when you don't have a job. At the same time, you can't “budget” a non-existent paycheck. Was I supposed to assign each dollar of my net worth a job? That seemed insane and very difficult to predict so early on in my life. Michelle and I took time this week to discuss simpler ways to budget. Our friend and fellow podcast listener, Arjun, told us that he has a general idea of what he spends on most things each month, so he knows how much he typically spends. We took this concept and combined it with tracking your spending. First, we calculated our monthly fixed expenses; rent, utilities, health insurance etc. For me, this number is around 1600-1700. Next, we use data from tracking our spending to track our other spending categories and costs. As an example, my typical spending categories are groceries, gas, hanging out with friends, home supplies etc, which can range from about $800-3000. Spending at this rate would result in an annual spending of about $43,000. I can use my typical monthly spending to estimate my next month's costs and consider any extra expenses I might have- travel, Christmas, etc. When I see how much I spent at the end of the month, I can tell if I am above or below my average spending which helps me decide if I am still on track. Though this method may not be as accurate or stringent as zero-based budgeting, Michelle and I found that it helped paint a realistic picture of our spending which relieved money anxieties and our scarcity mindset. Listen to today's podcast for the details of our method. How do you all track your expenses and budget? Are you on a break from work or self-employed, how do you manage your spending? Let us know in the comments below. Show notesHow to Choose a Budgeting Strategy by Emily Hudson from YNABYNAB- You need a budgetClassPass Community TimeThank you Joshua Lelon for your insights from our episode 142 “What are you telling the universe” AirHelp: Partner For This EpisodeCheck out our partner for this episode, AirHelp. AirHelp is a part of the Association of Passenger Rights Advocates (APRA) whose mission is to promote and protect passengers' rights. Click this link if you've had a cancelled or delayed flight as well as support our podcast: AirHelp Affiliate LinkFind more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

What are you telling the universe? If the universe sent a little scribe down to record everything you are thinking and doing, what would this log look like? Imagine if a genie could turn that story into reality – would this story bring you satisfaction? If you continue doing the same actions that you are doing today, what will be the end result? These thoughts and actions become our reality, so we must be deliberate about them. James Clear talks about “Identity-Based Habits”. Rather than simply performing daily habits, he recommends first, creating an identity in your mind, then living a life that matches that identity. Show notes Atomic Habits by James ClearIdentity-Based Habits: How to Actually Stick to Your Goals This Year by James Clear Sign up for ClassPassEpisode 141 on Student LoansHingeCommunity TimeCarla has consolidated her loans and is awaiting PSLF approval for her pre-PA school job. Check out our student loan episode here. We hope you are forgiven and those loans are gone! AirHelp: Partner For This EpisodeCheck our our partner for this episode, AirHelp. AirHelp is a part of the Association of Passenger Rights Advocates (APRA) whose mission is to promote and protect passengers' rights. Click this link if you've had a cancelled or delayed flight as well as support our podcast: AirHelp Affiliate LinkNotice anything spooktacular about today's Build a Wealthy Spirit Jingle? Yes, we did have a spooktacular edition of the theme song because I'm OBSESSED with Halloween. Do not fret! This eerie jingle is here to stay for the month of October, so be sure to join us next time as we put down the ghoul-book and rethink the status quo.Find more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

If you've struggled to build a community or create meaningful friendships as an adult, this is a great episode for you! The headlines are clear: there is a "friendship recession" a "loneliness epidemic" that is plaguing the United States. So much so that the US Surgeon General has declared it as an official loneliness epidemic. Sammie and Michelle are diving into how to build a community today and fight off your own personal friendship recession. Check out our partner for this episode: AirHelp If you've ever had an excessive flight delay or cancellation, you may be entitled to some compensation from the airlines. However, it's a pain to call or chat the airlines and see if there is money you're leaving on the table. That's where AirHelp comes in. You give them your flight information, and they will go work with the airlines on your behalf. You only pay if they are able to get you compensation. Click here to check them out and support this podcast:https://www.airhelp.com/en/?utm_medium=affiliate&utm_source=pap&utm_campaign=aff-buildawealthyspirit&utm_content=&a_aid=buildawealthyspirit&a_bid=4ed72bedFind more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

The more we fly, the more we might need AirHelp. AirHelp makes claiming compensation for delayed or canceled flights straightforward for all airline passengers who are unsure of their rights, or who lack the time or expertise to embark on the claims process themselves. AirHelp stands up to airlines in court, and campaigns for national … Continue reading Eric Napoli, VP of Legal and Leader of the Tech & Innovation team at AirHelp →

Do you have a scarcity mindset? What is a scarcity mindset and could it be holding you back? This week, Sammie and Michelle dive into scarcity mindsets, including the limiting beliefs that have been holding them back recently. They also dive into how to move out of the scarcity loop into the abundance loop so that you can break the generational curse that is a scarcity mindset. AirHelp: Partner For This EpisodeCheck our our partner for this episode, AirHelp. AirHelp is a part of the Association of Passenger Rights Advocates (APRA) whose mission is to promote and protect passengers' rights. Click this link if you've had a cancelled or delayed flights as well as support our podcast: AirHelp Affiliate LinkWebsite: Buildawealthyspirit.com - leave us a comment and let us know if there are any scarcity mindsets that you've identified in your life! Find more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

Moving is rarely a 100% smooth process. Sammie and Michelle made another big change in their life and moved from the west coast to the east coast of the United States. So they are delving into how to move across the country without losing your sanity.  Between the two of them, they've moved across states over ten times and have done the budget friendly version and a more hybrid DIY + higher spend version. Moving is so personal and different seasons of our life may require different decisions. They delve into why they choose to ship their furniture via Uhaul's Ubox (like a Pod) and ship their cars. They received a lot of great tips from friends and the internet and we share them here! Let us know if you have any great tips for moving at buildawealthyspirit.comCheck our our partner for this episode, AirHelp. AirHelp is a part of the Association of Passenger Rights Advocates (APRA) whose mission is to promote and protect passengers' rights. Click this link if you've had a cancelled or delayed flights as well as support our podcast: AirHelp Affiliate LinkFind more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

Tomasz Pawliszyn is the brains behind AirHelp, the world's leading legal tech company that helps air travelers get compensation or refunds for flight disruptions. Join Jim and Tomasz as they go deep on air passenger rights during this episode.3 Key TakeawaysBuild Healthy; Not Heavy: During Covid-19, when Tomasz's staff headcount went from 700 to 200, he used that as an opportunity for restructuring, streamlining operations, and inviting the remaining staff into a new vision for a stronger, healthier company. Even in times of decline, you can lay the foundation for future growth.Embrace Hybrid Work: A lot of folks thought the future of work was remote, but that didn't take employer preferences into account. Hybrid work models are what most companies have adopted. This flexibility to choose where and when to work while requiring some in-office time combines the best of both worlds.Product Diversity

Is something holding you back from your next adventure? Sammie and Michelle reflect on what it means to go on an adventure and what prevents us from taking the next step when adventure calls. Let us know your thoughts at buildawealthyspirit.comPartner for this episode: AirHelpHave you had a frustrating flight delay or cancellation in the past three years? I have! I was so excited to find AirHelp because I love saving money without wasting my time. I gave my flight information to AirHelp and they did the work of reaching out to the airlines and seeing if there was some compensation I was entitled to after my flight issues. Bookmark our partner link for the next time you find yourself in a similar situation and get AirHelp on your side: AirHelp Affiliate LinkFind more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

Sammie and Michelle discuss their tips for preparing for a sabbatical or taking time off work.  There are some things you can do like seeing your dentist or setting up a meeting with HR that can make the transition our of full time work smoother. On the personal front, Michelle and Sammie discuss how to get into a good headspace when taking the leap into a sabbatical. Find our companion piece, links to any references, sabbatical resources and our comment section at our website: buildawealthyspirit.comWe gave a shout out to our partner AirHelp in this episode! If you have a delayed or cancelled flight and want someone else to do the work of reaching out to the airlines for you, AirHelp can help save the day: AirHelp Affiliate LinkFind more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

Eric Napoli, the Vice President of Legal Strategy at AirHelp, joins Lisa Dent to talk about new regulations proposed by the Biden Administration that would ensure passengers are compensated for flight delays and cancellations caused by airlines and what it will mean for the airline industry and customers if they become law. Follow The Lisa Dent […]

“The entrepreneurial journey is always filled with detours, mistakes, and regrets.” It takes hard skin to power through, according to our guest. You need the ability to ideate the solution to a problem and then execute it flawlessly. Henrik Zillmer is the charismatic Co-Founder and Chairman at AirHelp, a lifelong entrepreneur, and a former First Lieutenant of the Danish Artillery.  He's also an alumnus of the Y Combinator accelerator and holds a Masters's from the prestigious Copenhagen Business School. Join us as we discuss: The problem-solving mindset every entrepreneur needs COVID's continuing impact on the travel industry How his company became stronger, leaner, and more resilient Leveraging AirHelp's global reach to deliver their successful new products To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, Spotify, or here — and don't forget to check out our YouTube! Until next time!