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When Allison Baggerly and her husband learned she was pregnant, it was a surprise blessing. It was also super-stressful. Over a hundred thousand dollars in debt, they didn’t now how they were going to be able to afford daycare and other baby expenses. Allison's story is featured in the upcoming book Winning Resolutions. She joins us today to share how she accomplished her biggest goal. Later in the episode, mindfulness contributor Joelle Anderson takes listeners through a guided meditation. Feedback / Connect: Subscribe to My Instruction Manual on Apple Podcasts, Google Podcasts, Spotify and anywhere else great podcast are found Visit MyInstructionManual.com for shownotes, more great content and to sign up the email newsletter Email: keith@myinstructionmanual.com Keith on Twitter: @KeithMcArthur Join our Facebook page and our Self-Help Book Club on Facebook Find us on Pinterest, Instagram and YouTube Download a free copy of 18 Steps to Own Your Life by clicking HERE Episode 49 Show Notes [00:00] Welcome and Intro [3:15] Featured interview with Allison Baggerly Allison is the creator of InspiredBudget.com. After getting her family out of $111,000 in debt, Allison now focuses on helping others to do the same. She lives in Denton, Texas. In this conversation, Keith and Allison discuss: How a surprise pregnancy frightened Allison and her husband into getting out of debt. [3:20] The debt snowball method vs. the debt avalanche method [5:20] Where the Baggerlys cut back on spending [6:50] The biggest challenge was getting burnt out on the journey [10:20] Looking forward to the reward at the end of the journey  [11:25] How they brought in extra revenue [14:50] Allison's approach to savings / sinking funds  [17:10] How Allison learned about finance and budgeting [21:20] Allison mention The Total Money Makeover by Dave Ramsey. Where to find Allison Website: InspiredBudget.com Instagram: @inspiredbudget [22:30] Mindfulness contributor Joelle Anderson shares a guided meditation Joelle Anderson is a therapist specializing in mindfulness meditation and creator and host of the Kernel of Wisdom YouTube channel. In this conversation, Keith and Joelle discuss: What is a guided meditation [23:10] Joelle takes us through a guided meditation [26:05] Where to find Joelle Kernelofwisdom.com YouTube.com/KernelofWisdom1 [30:00] Closing words Feedback & Connect Subscribe to My Instruction Manual on Apple Podcasts or on Android Email: keith@myinstructionmanual.com Keith on Twitter: @KeithMcArthur Join our Facebook page Check out our Pinterest page: myinstructionmanual

Jonathan Rauch, author of The Happiness Curve, explains the science behind why life gets better in our fifties and sixties. Jonathan and host Keith McArthur each share their own happiness curve stories. Feedback / Connect: Subscribe to My Instruction Manual on Apple Podcasts or on Android Visit MyInstructionManual.com for shownotes, more great content and to sign up the email newsletter Email: keith@myinstructionmanual.com Keith on Twitter: @KeithMcArthur Join our Facebook page and our Self-Help Book Club on Facebook Find us on Pinterest, Instagram and YouTube Buy 18 Steps to Own Your Life: Simple Powers for a Healthier Happier You on Amazon Episode 33 Show Notes [00:00] Welcome and Intro [00:58] Featured interview with Jonathan Rauch Jonathan Rauch is author of several books including 2018's The Happiness Curve: Why Life Gets Better After 50. He is a senior fellow at the Brookings Institution in Washington. In this conversation, Keith and Jonathan discuss: Keith's happiness curve [00:58] Jonathan's happiness curve [02:31] What is the happiness curve? [5:10] The happiness curve isn't an inevitability; it's a tendancy [7:19] Be cautious about making big life changes during the trough [9:05] How the happiness curve is different from a midlife crisis [10:20]  Why the midlife trough is good for us [11:55] Tips to help you get through the trough [16:45] Tips for society to manage the trough [20:25] [22:54] Jonathan's Instruction Manual 1. What are the habits you maintain every day to stay happy and healthy? [23:20] Exercise Talk to someone he'll disagree with and / or read something he'll disagree with 2. What personal development book do you recommend? [24:45] The Happiness Hypothesis by Jonathan Haidt 3. Favorite personal mantra / inspirational quote [26:08]  “The Moving Finger writes; and, having writ, Moves on: nor all thy Piety nor Wit. Shall lure it back to cancel half a Line, Nor all thy Tears wash out a Word of it.” --- Omar Khayyám / Edward Fitzgerald "Just remember that if you see five problems coming towards you, four of them will fall into the ditch before they ever reach you." --- Calvin Coolidge 4. What's your one guilty pleasure? [27:32] Dark chocolate 5. When your time comes, how do you want to be remembered? [28:03] "As being kind and wise, and especially as being kinder and wiser than I am right now." [28:37] Where to find Jonathan Website: happinesscurvebook.com [29:10] Closing words Feedback & Connect Subscribe to My Instruction Manual on Apple Podcasts or on Android Email: keith@myinstructionmanual.com Keith on Twitter: @KeithMcArthur Join our Facebook page Check out our Pinterest page: myinstructionmanual

In this very special edition of the podcast, life lessons from 10 of the most inspiring people on the planet. Host Keith McArthur speaks with Rick Hanson, Daisy Buchanan, Kristen Ulmer, Olivia D'Silva, Jake Nawrocki, Andrea Owen, Leslie Caubble, Carmela DiClemente, Jeff Chegwin and Stever Robbins. Feedback / Connect: Subscribe to My Instruction Manual on Apple Podcasts or on Android Visit MyInstructionManual.com for shownotes, more great content and to sign up the email newsletter Email: keith@myinstructionmanual.com Keith on Twitter: @KeithMcArthur Join our Facebook page and our Self-Help Book Club on Facebook Find us on Pinterest, Instagram and YouTube Buy 18 Steps to Own Your Life: Simple Powers for a Healthier Happier You on Amazon Episode 23 Show Notes [1:20] Welcome and Intro [1:45] Rick Hanson: 'Love at Will' Rick Hanson is the New York Times bestselling author of is author of Hardwiring Happiness and Buddha's Brain in 2009. His new book Resilient: How to Grow an Unshakable Core of Calm, Strength and Happiness goes on sale on March 27. Rick will be back for a featured interview on Episode 24 of the My Instruction Manual podcast, which will be available on March 26. It's an amazing conversation so make sure you give it a listen. [3:51] Daisy Buchanan: 'Success isn't permanent. Neither is failure.' Daisy Buchanan is the author of How To Be a Grown Up: You’re Doing Fine and Let Me Tell You Why. Daisy is a freelance journalist living in England. Daisy first appeared on episode 16 of the podcast. Listen here.   [9:03] Kristen Ulmer: 'The most important relationship you will ever have is your relationship with fear' Kristen Ulmer is author of The Art of Fear: Why Conquering Fear Won’t Work and What to Do Instead. In the nineties, Kristen was known as the best female big mountain extreme skier in the world. Kristen talks first appeared on episode 17 of the podcast. Listen here. [12:13] Olivia D'Silva: 'Don't Take Your Blessings for Granted' Olivia D'Silva is author of Your Whole Life Economy: Recognize Your True Value and Improve Your Quality of Life, in which she describes seven precious resources we all have to offer. She is a life coach living in England. Olivia was my guest last week on episode 22 of the podcast. Listen here.   [15:53] Jake Nawrocki: 'Never Give Up' Jake Nawrocki is the host of the popular podcast Operation Self Reset. He lives in Milwaukee, Wisconsin. Jake first appeared on episode 18 of the podcast. Listen here.   [19:41] Andrea Owen: 'Take Responsibility' Andrea is author of How to Stop Feeling Like Sh*t: 14 Habits that Are Holding You Back from Happiness. She is a life coach based on North Carolina and hosts the Your Kick-Ass Life Podcast. Andrea first appeared on episode 13 of the podcast. Listen here. [22:25] Leslie Caubble: 'Progress not Perfection' Leslie Caubble blogs and podcasts about living in Hawaii at The Aloha 360. She was one of more than a million people who woke up on the morning of Jan. 13, 2018 to an errant email that warned ballistic missiles were on the way. Leslie first appeared on episode 15 of the podcast. Listen here.   [28:03] Carmela DiClemente: 'Love is the most important thing in life ' Carmela DiClemente is co-author of Dare to Win: Lessons from 57 of the world’s most successful people. Carmela is former BBC producer who has worked with some of the biggest names in the UK radio business. Carmela appeared on episode 14 with co-author Jeff Chegwin. Listen here. [29:54] Jeff Chegwin: 'If you have a vision, see it through' Jeff Chegwin is co-author of Dare to Win: Lessons from 57 of the world’s most successful people. A veteran of the UK music industry, Jeff has promoted some of the biggest names in the industry including Paul McCartney and Elvis Costello. Jeff appeared on episode 14 with co-author Carmela DiClemente.  Listen here. [30:54] Stever Robbins: 'Less Information. More Doing.' Stever Robins is author of Get-It-Done Guy’s 9 Steps to Work Less and Do More: Transform Yourself from Overwhelmed to Overachiever and host of the Get-It-Done-Guy Podcast. He is an executive coach and communications consultant who has been involved in multiple startups. Stever first appeared on episode 19 of the podcast. Listen here. [39:35] Closing words Feedback & Connect Subscribe to My Instruction Manual on Apple Podcasts or on Android Email: keith@myinstructionmanual.com Keith on Twitter: @KeithMcArthur Join our Facebook page Check out our Pinterest page: myinstructionmanual

Gareth, James, Matt and Dan chat about the latest mobile news. Firstly Gareth chats to James who then chats to Dan and Matt briefly chips in. Gareth resumes a chat with James before turning to Dan and coming back to James. Matt doesn't chat for a bit while James and Dan debate some of the chat's content before handing back over to Gareth to chat a bit about a different subject. This carries on for a good while until the chat gets a bit boring and everyone goes to bed. So if you can last as long as the guys do and there will be a prize if you correctly guess at what point Matt stares at the ceiling. Direct DownloadiTunesDownload the iPhone AppDownload the Android AppRSS FeedFeaturing - Gareth, James, Matt and Dan Email us: Podcast@tracyandmatt.co.uk Tel: 0208 123 3757 Show NotesNokia Lumia 920 Unboxing VideoEE ups its LTE data allowences at no extra cost to customersBumble loves his Windows PhoneNexus 4 coming to ThreeSamsung ATIV S delayed – yet againFun with BlackBerry 10Dan and BlackBerry *no skype makes Dan sad :(*BlackBerry Dev Alpha C coming Tablet TableNexus 7 3G now available from Three Bargain BasementSumvision Titan Tablet PC £149.99inc. vatSamsung Galaxy Tab 2 8GB £158.00BlackBerry Porsche Design P9981 £1,399.99 MOVEMBERJames App AtticNetflix for Android updated with support for 4.2Word Lens (iOS or Android) Email us: Podcast@tracyandmatt.co.uk Tel: 0208 123 3757Gareth Myles – @garethmylesJames Richardson – @j4mes73Matt and Tracy Davis - @tracyandmattDan Carter - @mobilemandanMobile Tech Addicts Facebook Many thanks to The Stetz for the music Subscribe in iTunes to our weekly podcastRSS Feed for our weekly podcastDownload the iPhone App

Gareth and James chat about a recent “leaked” picture of the iPhone 5, James gets excited about the Olympics and compare notes on buying the same phone! Direct Download iTunes Download the iPhone AppDownload the Android AppRSS FeedRegulars - Gareth, Matt, Tracy and JamesEmail us: Podcast@tracyandmatt.co.uk  Tel: 0208 123 3757Show NotesGalaxy NexususususSony Xperia P now available from ThreeCould this be the iPhone 5?Olympics BB, AndroidTablet TableNexus 7 gets a tiny OTA update to build JRO03DFingers crossed for the HTC VertexBargain BasementSamsung Galaxy Note - Carbon Blue £ 379.00Orange San Francisco II £74.99Motorola XOOM 2 Media Edition £199Motorola Xoom 2 3G Media Edition £249Motorola XOOM 2 £249Samsung Galaxy 7.7 Tab - 16GB - 3GListeners GardenApp AtticSolid ExplorerParental Controls for BlackBerryIM+ for Android------Email us: Podcast@tracyandmatt.co.uk  Tel: 0208 123 3757Gareth Myles – @garethmylesJames Richardson – @j4mes73Matt and Tracy Davis -   @tracyandmattMobile Tech Addicts FacebookMany thanks to The Stetz for the musicSubscribe in iTunes to our weekly podcastRSS Feed for our weekly podcastDownload the iPhone App

It’s device city this week as Gareth, James and Matt have a look at the newly announced devices from Sony, HTC, Nokia, ZTE, Samsung and a few other companies. James has had a little time with the Sony and HTC devices as provides an early take on what’s hot! Direct DownloadiTunesDownload the iPhone AppDownload the Android AppRSS FeedRegulars - Gareth, Matt, Tracy and JamesEmail us: Podcast@tracyandmatt.co.uk Tel: 0208 123 3757 Show Notes Sony Xperia NXT Series Xperia X SpecsHTC One Series Full Specs hereNokia Lumia 900 and 610Nokia 808 Full Specs hereZTE EraZTE OrbitSamsung Galaxy BeamOrange Santa Clara ViewSonic go Dual Sim Acer Liquid Glow ZTE PF112 Tablet Table Samsung Galaxy Note 10.1 TAT A mysterious new Toshiba tablet appears at MWC 2012 Bargain Basement HTC Explorer £105.99T-MOBILE SONY ERICSSON XPERIA X8Ainol Novo 7 Elf (white)Box App AtticSkype for Windows PhoneFree CoPilot AppOnavo iphone Android------Email us: Podcast@tracyandmatt.co.uk Tel: 0208 123 3757Gareth Myles – @garethmyles James Richardson – @jpr_13 Matt and Tracy Davis - @tracyandmattMobile Tech Addicts Facebook Many thanks to The Stetz for the music Subscribe in iTunes to our weekly podcastRSS Feed for our weekly podcastDownload the iPhone AppDownload the Android App Posted by: Gareth Post Tags: Podcast,mobiletechaddicts,uk,three,iphone,mobile,apple,blackberry,orange,t-mobile,vodafone,htc,samsung,palm,rim,motorola,nokia,advent,android,webos,symbian,o2,3uk,playbook,galaxy,ipad 2,HP,ZTE,Xperia,Archos,Arnova,Acer,Windows Phone 7,LG,Xoom,Flyer,gingerbread,honeycomb,Microsoft,9900,Asus,Ice Cream sandwich,ios,4S