Podcasts about debt free journey

Welcome to the September 13 episode of Messy to Magnetic, hosted by money mentor and financial coach Katy Almstrom. This episode features the insightful and transformative Day 3 session of Katy's "Break Up With Your Credit Cards Challenge," streamed live in her Facebook group. In this enlightening episode, Katy delves deep into the debt-free journey, addressing the most common challenges women face when attempting to break up with credit cards and manage their financial obstacles.Key takeaways include strategies for handling unexpected life events without resorting to credit cards, the importance of using savings wisely, and the power of maintaining consistency in your spending and saving habits. Katy also provides an in-depth overview of her life-changing Moneywise Mastermind program, designed to help women joyfully pay off their debt, create guilt-free spending plans, develop effective savings strategies, and achieve financial freedom without the constant stress of money worries.Common Challenges in a Debt-Free Journey:Life Happens: Be prepared for unexpected expenses and be willing to pause debt repayment or savings temporarily instead of resorting to credit cards.Fear of Using Savings: Don't be afraid to dip into your savings for necessary expenses to avoid accruing more debt.Consistency: Maintaining new spending habits and sticking to a spending plan for at least 90 days is crucial for financial progress.Listeners will gain valuable insights into creating a sustainable spending plan, understanding the nuances of saving while tackling debt, and reprogramming their money mindset for long-term success. Whether you're a woman entrepreneur or anyone looking to improve financial health, this episode is packed with practical advice and actionable steps to transform your relationship with money. Don't miss out on this opportunity to turn your messy financial situations into magnetic financial success!Join the 3-Day Challenge "Break Up With Your Credit Cards"https://www.katyalmstrom.com/creditcards Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Today's episode is your game plan for building in rewards on the debt free journey! You don't have to be miserable while you work on your finances. We give you our three tips and talk through how we coach clients to continue to enjoy their life even when paying off debt. Toasties, this is a value-packed episode, so make sure you listen all the way through! Enjoy!   In this episode, we chat about: Moderation, not deprivation Scheduling your rewards Doubling up on value time   MENTIONED IN THIS EPISODE: Atomic Habits by James Clear   ABOUT PRICE OF AVOCADO TOAST: Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple.  They want to normalize conversations about money and learn from others on the path towards financial empowerment. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU!  Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget! FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE: priceofavocadotoast.com Price of Avocado Toast Instagram Price of Avocado Toast Twitter Price of Avocado Toast Threads Price of Avocado Toast on TikTok Price of Avocado Toast Facebook Join the Price of Avocado Toast Newsletter OTHER LINKS: Apply for 1:1 Coaching With Haley & Justin Schedule a Budget Builder call with Haley & Justin Price of Avocado Toast customizable 12 month budgeting template   RECOGNITION: Audio engineer: Garrett Davis Podcast Support: Weir Digital Marketing

In this special episode, Kumiko Love answers your most pressing questions submitted by listeners! From budgeting tips and financial strategies to personal insights and life advice, Miko dives deep into the topics that matter most to you. Tune in for a candid, informative, and inspiring conversation tailored to your curiosities and concerns. Today's questions include:Managing a Large Social Media Following: Kumiko discusses the challenges of handling a large audience and the difficulty of keeping up with messages and comments.Mastering New Skills: She shares her drive to quickly learn and master new skills, and how this has shaped her journey.Starting a Natural Skincare Business: Kumiko talks about her passion for natural skincare and the process of launching her own business.Saving Past Expense Trackers: She emphasizes the importance of keeping past expense trackers and how they can aid in maintaining a budget.Work-Life Balance: Kumiko offers advice on finding balance between work and personal life, drawing from her own experiences.Love for Running: She shares insights into her running routine and how it contributes to her well-being.Son's Transition to Big Brother: Kumiko talks about her son's new role as a big brother and how the family is adjusting.Debt-Free Journey Advice: She concludes the episode with practical advice for those currently navigating their debt-free journey.EPISODE CHAPTERS>> 00:00 Introduction and Purpose of the Episode>> 05:21 Finding Drive and Motivation>> 20:31 Running as a Replacement for Emotional Spending>> 35:24 Advice for the Debt-Free Journey>> 39:11 Conclusion and Call to ActionAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

Watch this Episode on YouTube and Subscribe

Got debt? Let's crush your money goals. As a single mom making 28k, I paid off thousands of dollars in debt. Let me give you 4 things that worked for me and maybe they'll work for you too. Click to join the BUDGET JUMPSTART CHALLENGE. This episode is for you if...-you are working on your debt payoff.-you have a low income and want to save money.-you are a normal person with normal debt and you want to have financial freedom!-you just want to save money and get ahead.Find me on Instagram @budgeteffectpodcastOr email me hello@thebudgeteffectpodcast.comWhat are your interests/hobbies that you would spend your time on if you had more freedom with your time and money?Click to text your answer! Click to Send a Text.

Haley and Justin inherited $600,000 but ended up blowing through the money and accumulating $220,000 of debt. They share their journey of lifestyle inflation, realizing the extent of their debt, and taking steps to address it. You Will Learn:Why inheriting a large sum of money at a young age can be overwhelming and lead to lifestyle inflation.How to have open communication about money with family members.Why creating a budget and tracking expenses is crucial to gaining control over spending habits.Check out Haley and Justin's Podcast Price of Avocado ToastYou Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

Watch on YouTube and subscribe @forgetaboutmoneypodcast

Sami is back for season 3 of A Sunny Side Up Life Podcast! In this debut episode, Sami goes over life updates, a brief history of the fight for financial independence for women in America, and actionable steps you can take to have more financial autonomy in your own life, regardless of relationship or socioeconomic status.  In this episode, you'll learn more about: Sami life updates including where she's at with her CFP, net worth, home expenses + more The 1700s practice of coverture and how it still affects women today A quick history of women's fight for financial independence, autonomy, and equal rights in the United States Tips on how to be a financially independent woman, regardless of relationship status, the effects of divorce on women, the importance of life insurance + more  MENTIONED IN THE EPISODE:  Best Egg RESOURCES: 1:1 Coaching With Sami: Apply today Digital Budgeting System: Budget Template SHOW INFORMATION:  A Sunny Side Up Life Podcast is a show for women ready to live an abundant life, full of freedom + positivity. Sami Womack, nationally recognized money expert and finance coach guides listeners toward breaking free from survival mode, gaining financial freedom, staying motivated, and focusing on what matters most. HOST BIO:  Sami Womack is the founder of A Sunny Side Up Life. Her podcast has been downloaded over 250,000 times, and she has been featured on YNAB, Debt.com, Reader's Digest, and more.  Sami was nominated for a Plutus Award in 2023 and spends her professional time changing women's lives through her budget coaching and personal finance education content.  When she's not downing caramel coffee or homeschooling her three daughters, she's listening to audiobooks, watching the Astros, or hiking amongst the trees in East Texas. FOLLOW SAMI ONLINE: Instagram Threads Facebook YouTube CREDITS: Podcast Support: Weir Digital Marketing

In this episode of the Financial FixHER podcast, Amanda Delaney delves into being in the thick of paying down debt. Tune in as she shares the secrets behind effective debt reduction techniques and discover how to take control of your finances to pave the way for a brighter financial future. Don't let financial stress hold you back—empower yourself with these actionable tips!Key learning points from this episode:Managing money effectively starts with an interactive budgetHow to start doing the “end of month” monthWhy you need to use the 75-25 rule___________________Financial FixHER Brand Rec's:Amanda's FAVE SUPP's -- Gut Health Supplements | USE CODE FIXHER for 10% OFF [Amanda's go-to's: Rescue for allergies & Miracle Worker for sleep = life-changing]Get empowered to save more, spend less, see everything, and take back control of your financial life with ROCKET MONEY [CLICK HERE]If you LOVE COFFEE, but HATE the way it makes you feel? [CLICK HERE] to try EveryDay Dose mushroom coffee replacement. It's been a total game-changer for me! NO MORE GUT PROBLEMS, CRASHES, HEADACHES, BLADDER SPASMS, BRAIN FOG... The list goes on… Just sayin'. Use code: AMANDADELANEY at checkout!FREE FixHER Money Method™ Resources & ways to connect:[FREE GROUP] LEVEL UP your LIFE & MONEY in my FREE FB Group! Head on over to the Financial FixHER Community and get FREE LIVE trainings and “money journey” support! Can't wait to see you there!To connect with me and ask deeper questions, send me a private message here: Amanda DeLaney [FB Messenger] Connect & tag me on IG [share your take-aways]: @financialfixher xo, Amanda DeLaney - Financial FixHER™Financialfixher.comamanda@financialfixher.com

How is debt so incredibly common but so uncommon to talk about? It can become so debilitating to even THINK about the amount of debt hanging over us, but it is possible to get rid of it...and fast.Let's dive into what seems like an impossible idea: getting rid of debt ASAP.As always, you can find more here on Instagram @thefinancediaries and on TikTok @thefinancediaries

In today's episode Alli Williams talks about paying down 150k of debt that she married into How it is possible to pay down debt and still have your coffee What you should consider as a business owner and money management. Mention any special guests or notable points of discussion. Meet Alli WilliamsAlli is the founder and CEO of FinanciALLI Focused, a financial literacy company helping people create a flexible financial plan they can actually stick to (no deprivation here). She paid off over six-figures of debt while still saving, investing, and buying season football tickets. Alli's work has been featured on Business Insider, Nerdwallet, Channel 7 News, and more. Alli has her MBA in Finance and lives in South Carolina with her husband and 2 sons. She spends her time at football games (Go Gamecocks!) and with a Starbucks latte in her hand. GRAB THE MAKING MONEY MOVES AUDIO COURSE Connect with Alli on IG

In this episode, Host Chae Cole shares his debt-free journey. On August 15, 2019, Chae was able to pay off his student loans and become completely debt free. This episode highlights that journey and encourages listeners who may be embarking on it or have other goals they want to accomplish. Scripture: Proverbs 22:7 NKJV - For you did not receive the spirit of bondage again to fear, but you received the Spirit of adoption by whom we cry out, “Abba, Father.” Album: https://music.apple.com/us/album/chae-cole-pk-present-overtime/1696330918 https://open.spotify.com/album/7vtbisskhZzqvKydodd0oo?si=O2eqhspWT_2g0wOGv4Pn4Q Host: Chae Cole  Instagram: @Coletherapy  Tik Tok: @Coletherapy  Website: https://www.coletherapy.com  Email: therapycole@gmail.com --- Support this podcast: https://podcasters.spotify.com/pod/show/coletherapy/support

This episode will motivate you to start or keep going on your own money journey. It's more than just money; truly living intentionally with every dollar can start the momentum in so many other areas of your life!Sorry I got a little excited and I say a few "naughty words" during this episode. sh** and a**. My bad. Get resources to help you with your money journey: www.soulmothercommunity.com/money Erin supports Single Moms. She does that through simplicity strategies, money movement, and mindset work.Connect with us on instagram @soulmothercommunityJoin the community by going to www.soulmothercommunity.com Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/infraction/summer-strut Click to Send a Text.

This episode was originally aired back in August of 2021. Paying off debt with a vengeance is EXHAUSTING. This episode includes a conversation between Haley and Justin about the debt free journey burnout that so many of us experience at some point along the way. Remember, you don't have to pay off $5,000 in 5 minutes. Use this episode for tangible tips to help you prevent burnout and spiraling back into your old habits. You've got this, Toasties!   In this episode we chat about  Debt free journey burnout  Common traps that people fall into on their journey  Action steps to help you avoid burnout   ABOUT PRICE OF AVOCADO TOAST: Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple.  They want to normalize conversations about money and learn from others on the path towards financial freedom. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU!  Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget!   FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE: Price of Avocado Toast Instagram Price of Avocado Toast Twitter Price of Avocado Toast on TikTok Price of Avocado Toast Facebook Join the Price of Avocado Toast Newsletter OTHER LINKS: Apply for 1:1 Coaching With Haley & Justin Join Everything but the Bagel, our exclusive membership community   RECOGNITION: Audio engineer: Garrett Davis Podcast Support: Weir Digital Marketing  

#084 - In this episode, Mayra shares how staying the course in this debt-free journey always hits a hard season. Unless you have a strong why! Connect with Mayra at https://DebtFreeLatina.com  Follow Mayra on Instagram at https://www.instagram.com/debtfree.latina/

#084 - In this episode, Mayra shares how staying the course in this debt-free journey always hits a hard season. Unless you have a strong why! Connect with Mayra at https://DebtFreeLatina.com  Follow Mayra on Instagram at https://www.instagram.com/debtfree.latina/

Join host Paul Jamison in this episode of the Green Industry Podcast as he explores Dave Ramsey's proven plan and the Debt Snowball method to help you achieve financial freedom by paying off debt and embracing a debt-free future. Register for EQUIP EXPO and Save 50% - Register Here Register for HUGE Convention and Save $25 off: Register Here Try the CRM Software I use - Get Jobber Start Your Website Journey w/ Footbridge Media Grab your copy of Paul's brand new book: Get Your Copy Register for Lawn Care Life Conference: Register Here Check out all of Paul's resources: GreenIndustryPodcast.com Shop for all of Paul Jamison's books: Get Paul's Books Here Learn more about Audiobooks on Audible: Explore Now Shop Kujo Yardwear: Shop Now Support our sponsors:  The Landscaping Bookkeeper - Megan and Joey Coberly GPS Trackit

 Debt-Free Journey: Breaking the Chains of DebtJoin Dr. Allana Da Graca and upgrade your personal and professional goals. Learn how to leave procrastination, activate your genius and strive with a tribe. Join the drdinspyre tribe today at tolgispark.comDr. Allana wants to help you to do the following:1. Pivot into the Post Pandemic Economy2. Learn to Convert Your Fans ino Consumers3. Increase Your Brand Organically4. Learn Ways to Attend Drdinspyre Live Virtual eventsSSUBSCRIBE:https://www.tolgispark.comDownload the Official Upgrade My Life Song with Allanahttps://music.apple.com/us/album/upgrade-my-life-single/1551110586Resources for Growthhttps://www.amazon.com/shop/drdeducates/list/2P51LUUL8X226?ref_=aip_sf_list_spv_ons_mixed_dAbout Dr. Allana Da GracaHello There! My name is Dr. Allana Da Graca and I am here to help you reach personal and professional goals. As a former teacher, I was let go of my teaching position and formed a profitable business that shows experts, leaders, consultants, and change agents how to create programs, digital courses and high end experiences. Due to the dedication we have to see our clients reach their goals, they have Leveraged their earning power Authored booksDesigned digital programsCreated e-commerce programs Elevated leadership skills Mastered digital competencies ​Our constituents are not only participants but leaders who contribute to the networking and mastermind experiences within our Spark Community.

It was early 2020 and my husband and I were bright-eyed and bushy tailed when we bought our land.  Acres of East Texas pine trees, quiet neighbors (mostly cows), and a creek.  We planned to build our forever home and get old and gray on that property… until Covid hit and lumber prices skyrocketed. Our dream no longer aligned with what we needed, life happened, and we made a huge decision that changed everything. In this episode, you'll learn more about: How to be stubborn about your goals and flexible about the path to achieve them Whether or not we sold our land at a profit or at a loss What we did and what we're planning to do with the $63K lump-sum Accepting the duality of emotion when it comes to pivoting in your life + more PAST EPISODES YOU'LL ENJOY: MONEY, MARRIAGE, AND MOVING IN TO MIDDLE-AGE WITH DANIEL WOMACK 5 MONEY CHOICES THAT HAVE CHANGED MY LIFE CREATING AN INTENTIONAL LIFE IN A CONSUMER CULTURE ASSUL RESOURCES: 1:1 Coaching With Sami: Apply today Instagram: Follow me on the ‘gram  Facebook: Follow me on Facebook The Sunny Sqad: Join the VIP Facebook Group SHOW INFORMATION:  A Sunny Side Up Life Podcast is a show for women who are ready to live an abundant life full of freedom + positivity. Sami Womack, nationally recognized money expert and finance coach guides listeners toward breaking free from survival mode, gaining financial freedom, staying motivated, and focusing on what matters most. Learn more at: https://www.asunnysideuplife.com     HOST BIO:  Sami Womack is the brains behind A Sunny Side Up Life. Her weekly podcast has been downloaded over 250,000 times, and her story has been featured on YNAB, Debt.com, The Purpose Show with Allie Casazza, and The His & Her Money Show. When she's not downing caramel coffee or homeschooling her daughters, she's creating content, collaborating with finance/minimalist organizations, and inspiring women all over the world to live an intentional life. She began this journey with her high school sweetheart, Daniel, and a debt price tag of $490,000. They both took control of their family's finances by downsizing, budgeting, and changing habits. From this experience, A Sunny Side Up Life was born. Today, Sami owns this business helping women get through dark times and experience the life-altering magic of intentional living. DISCLAIMER(S): This show may contain affiliate links or links from our advertisers where I earn a commission or direct payment. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. CREDITS: Podcast production: Weir Digital Marketing Research: Sami Womack + Vee Weir Editing: Joseph Bogumill

Tune in for a debt confession update and find out what happened to my Capital One card...so embarrassing! ******Grab your Budget Binder Supplies! ➡️  https://amzn.to/3un7S3qWant to be on the channel and have your budget audited for FREE? Book an appointment at the link below:https://wendycoop.as.me/auditRead the blog:https://savvybudgetgirl.comFresh Start Program for student loans:https://studentaid.gov/announcements-events/default-fresh-startBuy the merch!http://savvybudgetmerch.comBuy me a coffee:https://www.buymeacoffee.com/savvybudgetgirlYou can also visit the Etsy shop!https://www.etsy.com/shop/SavvyBudgetGirlTVThis episode is NOT sponsored. Some product links are affiliate links, meaning if you buy something we'll receive a small commission.

Alyssa Davies, content creator and published author, joins the podcast to talk about how she was able to approach her finances from a new perspective and remove the guilt and shame from spending money. We discuss financial trauma, how mental health is tied to personal finance, and why internalized capitalism is something to fight against, not praise. In this episode, you'll learn more about: Different forms of trauma in money  What Coast FIRE is + steps you can take to reach it The intersection of money and mental health + adopting healthy coping mechanisms  Having the tough money conversation with aging parents Why a fully funded retirement is the best gift you can give your kids + more MENTIONED IN EPISODE: https://www.thetraumaofmoney.com/  Alyssa's books Alyssa's courses GUEST BIO: Alyssa Davies is a content creator and a published author living in Calgary, Alberta. She is the founder of the two-time award-winning Canadian Personal Finance Blog of the Year, Mixed Up Money that has over 130k+ followers across social media.  Through her work, she has been featured in many notable publications, including The Globe and Mail, FLARE, Global News, and more. In 2021, she was host of The Dream Team featured on CBC Gem. Alyssa has been a freelance writer for six years and enjoys writing about personal finance, homeownership, and more.  When she's not writing, you can find her enjoying some downtime with her daughter, playing soccer or daydreaming about home decor. GUEST SOCIAL MEDIA:  Instagram YouTube Twitter TikTok Website PAST EPISODES YOU'LL ENJOY: WHAT FINANCIAL TRAUMA IS, SIGNS YOU MAY BE EXPERIENCING IT + HOW TO RECOVER FROM PAST MONEY WOUNDS WHY COMMUNITY MATTERS, FINANCIAL FEMINISM & CENTERING WOMEN + NON-BINARY FOLKS IN THE MONEY CONVERSATION WITH REGINA AND ANGELA OF WOMEN'S PERSONAL FINANCE DECONSTRUCTING MONEY SHAME, NAVIGATING MENTAL HEALTH & FINANCES, AND 3 REASONS DAVE RAMSEY SUCKS WITH LEXA VANDAMME ASSUL RESOURCES: 1:1 Coaching With Sami: Apply today Instagram: Follow me on the ‘gram  Facebook: Follow me on Facebook The Sunny Sqad: Join the VIP Facebook Group SHOW INFORMATION:  A Sunny Side Up Life Podcast is a show for women who are ready to live an abundant life full of freedom + positivity. Sami Womack, nationally recognized money expert and finance coach guides listeners toward breaking free from survival mode, gaining financial freedom, staying motivated, and focusing on what matters most. Learn more at: https://www.asunnysideuplife.com     HOST BIO:  Sami Womack is the brains behind A Sunny Side Up Life. Her weekly podcast has been downloaded over 250,000 times, and her story has been featured on YNAB, Debt.com, The Purpose Show with Allie Casazza, and The His & Her Money Show. When she's not downing caramel coffee or homeschooling her daughters, she's creating content, collaborating with finance/minimalist organizations, and inspiring women all over the world to live an intentional life. She began this journey with her high school sweetheart, Daniel, and a debt price tag of $490,000. They both took control of their family's finances by downsizing, budgeting, and changing habits. From this experience, A Sunny Side Up Life was born. Today, Sami owns this business helping women get through dark times and experience the life-altering magic of intentional living. DISCLAIMER(S): This show may contain affiliate links or links from our advertisers where I earn a commission or direct payment. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. CREDITS: Podcast production: Weir Digital Marketing Research: Sami Womack + Vee Weir Editing: Joseph Bogumill

A short and sweet episode this week on how I ALMOST got another credit card. Yikes! Enjoy the story!Join the FREE Community!https://www.facebook.com/groups/financialeducationinitiativeHYSA recommendations:https://www.nerdwallet.com/best/banking/high-yield-online-savings-accounts Read the blog:https://savvybudgetgirl.com Buy the merch!http://savvybudgetmerch.com Buy me a coffee:https://www.buymeacoffee.com/savvybudgetgirl You can also visit the Etsy shop!  https://www.etsy.com/shop/SavvyBudgetGirlTV This video is NOT sponsored. Some product links are affiliate links, meaning if you buy something I'll receive a small commission. 

Can you imagine living in a 32 ft trailer with your partner, kids, and dogs? Would you go stir-crazy? Well… now you don't have to imagine it, you can hear all about it. Kailey Maloney, from @believeandbudget, joins the podcast to talk about how her world transformed with simple living. We discuss embracing the messy moments of life, intentional minimalism, advice for starting your debt free journey, if her and her family plan on staying in the RV for the foreseeable future, and more! In this episode, you'll learn more about: The pros and cons of “living small” What caused Kailey and her family to decide to move into an RV Practical and actionable ways to avoid overspending  How difference seasons of life call for different financial decisions + more PAST EPISODES YOU'LL ENJOY: PAYING OFF $600K+ OF DEBT, HAVING A 70% SAVINGS RATE, & THE INTERSECTIONALITY OF MONEY + INTENTIONAL LIVING WITH RACHEL RAINBOLT 5 MONEY CHOICES THAT HAVE CHANGED MY LIFE CREATING AN INTENTIONAL LIFE IN A CONSUMER CULTURE UNSUBSCRIBING FROM THE HUSTLE CULTURE GUEST BIO: Kailey is a budget expert who found joy in helping others live a lifestyle within their means, but also live their dreams. She fully believes you should listen, step out and find out, and take chances. Living tiny was always on her bucket list and so was traveling the US. Her and her family did it all debt-free! GUEST SOCIAL MEDIA + LINKS: Instagram TikTok Facebook Website ASSUL RESOURCES: 1:1 Coaching With Sami: Apply today Instagram: Follow me on the ‘gram  Facebook: Follow me on Facebook The Sunny Sqad: Join the VIP Facebook Group SHOW INFORMATION:  A Sunny Side Up Life Podcast is a show for women who are ready to live an abundant life full of freedom + positivity. Sami Womack, nationally recognized money expert and finance coach guides listeners toward breaking free from survival mode, gaining financial freedom, staying motivated, and focusing on what matters most. Learn more at: https://www.asunnysideuplife.com     HOST BIO:  Sami Womack is the brains behind A Sunny Side Up Life. Her weekly podcast has been downloaded over 250,000 times, and her story has been featured on YNAB, Debt.com, The Purpose Show with Allie Casazza, and The His & Her Money Show. When she's not downing caramel coffee or homeschooling her daughters, she's creating content, collaborating with finance/minimalist organizations, and inspiring women all over the world to live an intentional life. She began this journey with her high school sweetheart, Daniel, and a debt price tag of $490,000. They both took control of their family's finances by downsizing, budgeting, and changing habits. From this experience, A Sunny Side Up Life was born. Today, Sami owns this business helping women get through dark times and experience the life-altering magic of intentional living. DISCLAIMER(S): This show may contain affiliate links or links from our advertisers where I earn a commission or direct payment. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. CREDITS: Podcast production: Weir Digital Marketing Research: Sami Womack + Vee Weir Editing: Joseph Bogumill  

Jade Warshaw & John Delony answer your questions and discuss:  "How do I make a budget off commission?",  from the blog: How to Budget With an Irregular Income When to know if it's time to sell your business,  The inspiring story of a social worker and a civil engineer that didn't give up on their Debt Free Journey, What to do when deciding if you should keep or sell family land. Support Our Sponsor: DreamCloud Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

The term “trauma” seems to be rampant in 2023… especially on social media.  Being “trauma informed,” experiencing “childhood trauma,” or having a “trauma bond” are phrases used repeatedly to describe certain pivotal and disturbing life experiences and/or mental distress. And while sometimes “trauma” is over exaggerated or used incorrectly, the current spotlight on this pervasive problem has brought, front-and-center, the need to explore it in greater depth. This leads to the question: what about trauma and money? Can you have financial PTSD? Can you experience financial trauma? How valid are these things… or are we, as a society, being dramatic when it comes to this pairing? In this episode, you'll learn more about: What is financial trauma + who experiences financial trauma  The 6 common ways financial trauma manifests itself in your body, mind, and life Ways to address financial trauma and learn healthy coping mechanisms Sami's financial trauma: money examples she had during her childhood, how these experiences shaped her money narrative + more RESOURCES USED: https://www.choosingtherapy.com/financial-trauma/ https://theneighborhoodfinanceguy.com/empowerment-and-financial-trauma/ https://www.forbes.com/sites/briannawiest/2019/04/04/financial-trauma-is-a-reality-for-one-third-of-millennials-this-expert-explains-how-to-recover/?sh=592085c130c2 https://plutusfoundation.org/2022/financial-trauma-impact-creators/ https://www.nerdwallet.com/article/finance/generational-trauma CREATORS TO FOLLOW: https://twitter.com/RahkimSabree https://www.instagram.com/stevenmhughes/ PAST EPISODES YOU'LL ENJOY: FEELING FINANCIAL STRUGGLE, COMBATING INFLATION & HOW TO OVERCOME FEELING OUT OF CONTROL WITH YOUR MONEY SPENDING FUN MONEY WHEN YOU'RE BROKE COMPOUNDING EMOTIONAL INTEREST ASSUL RESOURCES: 1:1 Coaching With Sami: Apply today Instagram: Follow me on the ‘gram  Facebook: Follow me on Facebook The Sunny Sqad: Join the VIP Facebook Group SHOW INFORMATION:  A Sunny Side Up Life Podcast is a show for women who are ready to live an abundant life full of freedom + positivity. Sami Womack, nationally recognized money expert and finance coach guides listeners toward breaking free from survival mode, gaining financial freedom, staying motivated, and focusing on what matters most. Learn more at: https://www.asunnysideuplife.com     HOST BIO:  Sami Womack is the brains behind A Sunny Side Up Life. Her weekly podcast has been downloaded over 250,000 times, and her story has been featured on YNAB, Debt.com, The Purpose Show with Allie Casazza, and The His & Her Money Show. When she's not downing caramel coffee or homeschooling her daughters, she's creating content, collaborating with finance/minimalist organizations, and inspiring women all over the world to live an intentional life. She began this journey with her high school sweetheart, Daniel, and a debt price tag of $490,000. They both took control of their family's finances by downsizing, budgeting, and changing habits. From this experience, A Sunny Side Up Life was born. Today, Sami owns this business helping women get through dark times and experience the life-altering magic of intentional living. DISCLAIMER(S): This show may contain affiliate links or links from our advertisers where I earn a commission or direct payment. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. CREDITS: Podcast production: Weir Digital Marketing Research: Sami Womack + Vee Weir Editing: Joseph Bogumill

Emergency Funds: Your Financial Safety Net!

Being a content creator sounds enticing, right? The glamor of having creative agency, working with big brands, and being paid to simply be you. Unfortunately though, like every job, it's not all ring lights and TikTok trends. In this episode of A Sunny Side Up Life podcast, I chat with @shaybudgets, business owner, social media influencer, goal-setting expert, budget coach and more. We talk about how she started her influencer journey, the realities of juggling a full-time job and working a side hustle, how much YouTube pays, and more.   Shay McMillan began her YouTube channel in 2017 and has amassed an impressive following to over 85k+ subscribers. When she's not creating content and budget coaching, she spends time changing lives as a school-based counselor and enjoying life with her husband.  In this episode, you'll learn more about: How Shay got started on YouTube + how much money she makes monthly on the platform The disingenuous nature of everyone's “highlight reel” on social media Pros and cons of content marketing + the importance of setting boundaries online  Juggling being a full-time employee, budgeting coach, wife, and business owner + what Shay refuses to outsource + more PAST EPISODES YOU'LL ENJOY: EP. 136 WHY YOU NEED MULTIPLE STREAMS OF INCOME EP. 98 HOW TO BE A FREE-THINKER IN AN INFLUENCER'S WORLD ASSUL RESOURCES: 1:1 Coaching With Sami: Apply today YouTube: Subscribe for free  Instagram: Follow me on the ‘gram  Facebook: Follow me on Facebook The Sunny Sqad: Join the VIP Facebook Group GUEST BIO: Shay is a wife, full-time employee, business owner, social media influencer, planner, goal setting expert, organizer, budget coach and more.  She's determined to create and lead a life that she absolutely loves and enjoys. This has always been her mission: to craft her perfect life. This notion started when she was a little girl and followed her as she completed graduate school and obtained a Master's Degree.  She currently works in the helping profession and thoroughly enjoys what she does. When she's not changing lives at her day job, she helps even more people with her social media influencer career outside of her 9 to 5. GUEST SOCIAL MEDIA + LINKS: YouTube Instagram Facebook Website SHOW INFORMATION:  A Sunny Side Up Life Podcast is a show for women who are ready to live an abundant life full of freedom + positivity. Sami Womack, nationally recognized money expert and finance coach guides listeners toward breaking free from survival mode, gaining financial freedom, staying motivated, and focusing on what matters most. Learn more at: https://www.asunnysideuplife.com    HOST BIO:  Sami Womack is the brains behind A Sunny Side Up Life. Her weekly podcast has been downloaded over 250,000 times, and her story has been featured on YNAB, Debt.com, The Purpose Show with Allie Casazza, and The His & Her Money Show. When she's not downing caramel coffee or homeschooling her daughters, she's creating content, collaborating with finance/minimalist organizations, and inspiring women all over the world to live an intentional life. She began this journey with her high school sweetheart, Daniel, and a debt price tag of $490,000. They both took control of their family's finances by downsizing, budgeting, and changing habits. From this experience, A Sunny Side Up Life was born. Today, Sami owns this business helping women get through dark times and experience the life-altering magic of intentional living. DISCLAIMER(S): This show may contain affiliate links or links from our advertisers where I earn a commission or direct payment. Opinions are the creators' alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. CREDITS: Podcast production: Weir Digital Marketing Research: Sami Womack + Vee Weir Editing: Joseph Bogumill

Welcome to Episode 50!  I realized after I recorded this episode that it was my 50th episode.  In this one I discuss whether being debt free is a bad idea.  Does being debt free help you in the long run or does it hold you back?  You might be surprised at my opinion on that question.  Come check out the episode and see if you agree.  If you prefer the video version Click Here to watch it on the Real Estate Revenue YouTube channel.  Enjoy!Here's the part about being a grown up:DISCLAIMER: This video content is intended only for informational, educational, and entertainment purposes. Neither Real Estate Revenue or Paul Ary are registered financial advisors, financial planners, attorneys, tax professionals or economists and the contents of this video and/or podcast should not be considered investment, financial, legal or tax advice. Your use of Real Estate Revenue's channel either on YouTube or on any audio podcast, and your reliance on any information from these sources is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, Instagram, Twitter, LinkedIn) for communications with Real Estate Revenue or Paul Ary does not establish a formal business relationship.  This is not financial advice.  These are my personal opinions on real estate and the world in general.Sign up for the Financial Momentum Newsletter where we discuss ideas and tools to build momentum in your business and life! The newsletter is FREE and delivered to your inbox once a week. Click here to sign up!

Living Debt Free and in surplus is possible. Learn from The Worthy's journey.

Living Debt Free and in surplus is possible. Learn from The Worthy's journey.

Today we have the boss of the Schuchman household on the show—my beautiful wife, Valerie! So many of you have asked me about our debt free journey, and soon we will have our debt-free scream day on the Dave Ramsey show. So today the show is from our home—you might hear screaming kids in the background—but I'm excited to be here with my wife to talk about our journey. “What we go through and what we do can help somebody else. It makes it all worth it.”“I feel like one of the biggest things that I have learned is just trusting the process— trusting the process of becoming debt free, trusting the process of the work that it takes to become a realtor, trusting the process through just the whole entire time of all of the changes in your life.”Find out the following and more: Why they signed up for Financial PeaceAre you a spender or a saver?Why balance is so important when couples budgetWhy patience and research are important in making financial decisionsWhen Valerie knew it was going to work out for John in real estateHow you can better support your spouse as a RealtorHow the Schuchmans juggle work and family lifeThe importance of helping others with your experiencesWhat it's like being married to a Realtor and Valerie's advice to spousesPodcast edited by Kenny Carfagno.Show notes and blog posts are created by Jennifer Harshman and RealtorEmails. John Schuchman is a licensed REALTOR® in Lancaster, PA,with Berkshire Hathaway HomeServices Homesale Realty and a part of the Andrew Welk Group. The opinions shared on this show represent the opinions & values of John Schuchman and do not necessarily represent the opinions & values of Berkshire Hathaway HomeServices Homesale Realty. The opinions & ideas shared in this podcast do not guarantee or promise any results of success to the listener.

My husband, Daniel Womack, joins A Sunny Side Up Life podcast to talk about his perspective on our debt free journey, budgeting, and different client personal finance situations. Daniel and I have been married for 14 years, together 19 years. Through that time we've gone from half a million dollars in debt to an over three hundred and fifty thousand dollar net worth.  It hasn't always been rainbows and butterflies– and often in the personal finance space, a male partner's perspective is missing. If you're wondering what it's like living with a money nerd and financial coach, this episode is for you! In this episode, we chat about:  Our love story + how we each grew up with money How we ended up in debt + the actions we took to get out of it The biggest money mistakes we've made as a married couple (hint: Keeping Up With The Joneses)  Retiring early, living an intentional life + the difference between wanting to work and needing to work Why you need to budget in cheap fun while you're getting your financial house together so you can have rich fun in the future + more MENTIONED IN THE EPISODE: https://www.youtube.com/watch?v=XTTxJLyNQAE https://www.youtube.com/watch?v=sJjJ6KwyvqU&t=3s SPONSOR(S): Not Another Personal Finance Podcast: Listen and subscribe to their podcast TODAY! PAST EPISODES YOU'LL ENJOY: EP. 109 TRAVEL HACKING + LIVING BY YOUR OWN RULES EP. 115 PAYING OFF DEBT: SNOWBALL VS. AVALANCHE EP. 134 DON'T F WITH THE IRS ASSUL RESOURCES: 1:1 Coaching With Sami: Apply today YouTube: Subscribe for free  Instagram: Follow me on the ‘gram  Facebook: Follow me on Facebook The Sunny Sqad: Join the VIP Facebook Group SHOW INFORMATION: A Sunny Side Up Life A Sunny Side Up Life Podcast is a show for women who are ready to live an abundant life full of freedom + positivity. Sami Womack, nationally recognized money expert and finance coach guides listeners toward breaking free from survival mode, gaining financial freedom, staying motivated, and focusing on what matters most. Learn more at: https://www.asunnysideuplife.com    HOST BIO: Sami Womack Sami Womack is the brains behind A Sunny Side Up Life. Her weekly podcast has been downloaded over 250,000 times, and her story has been featured on YNAB, Debt.com, The Purpose Show with Allie Casazza, and The His & Her Money Show. When she's not downing caramel coffee or homeschooling her daughters, she's creating content, collaborating with finance/minimalist organizations, and inspiring women all over the world to live an intentional life. She began this journey with her high school sweetheart, Daniel, and a debt price tag of $490,000. They both took control of their family's finances by downsizing, budgeting, and changing habits. From this experience, A Sunny Side Up Life was born. DISCLAIMER(S): This show may contain affiliate links or links from our advertisers where I earn a commission or direct payment. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. CREDITS: Audio Engineer + Editor: Garrett Davis Podcast Support + Artwork: Weir Digital Marketing Research: Vee Weir

Andy Hill, founder of the award-winning podcast and blog Marriage, Kids, and Money, joins the podcast to talk all things FIRE (Financial Independence, Retire Early) and mortgage free living.. He and wife Nicole started out their money journey with $50K in debt and paid it off in less than a year. In the next 10 years, they paid off their mortgage and built their net worth to more than a million dollars. Andy and Nicole's story has been featured in Time, CNBC, Kiplinger's Personal Finance, NBC News and more! We talk about how to prepare for a looming recession, why doing what helps you sleep at night is better than what is financially optimal in some cases and the different types of FIRE. In this episode, we chat about:  What inspired Andy to get into the FIRE Movement + How he's forged his own (balanced) FIRE path How to get the whole family on board with Financial Independence The emotional and psychological benefits to paying off your mortgage early Teaching your kids about money and passing down legacy wealth while your children are alive Coast FIRE vs. traditional FIRE + more MENTIONED IN THE EPISODE: Marriage Kids and Money Podcast: Sami Womack ($350k Net Worth at 33) http://www.marriagekidsandmoney.com/freegift GUEST BIO: Andy Hill is the founder of the award-winning podcast and blog Marriage, Kids, and Money, a platform dedicated to helping young families build wealth and happiness. He and wife Nicole started out their money journey with $50K in debt and paid it off in less than a year.  In the next 10 years, they paid off their mortgage and built their net worth to more than a million dollars. Andy and Nicole's story has been featured in Time, CNBC, Kiplinger's Personal Finance, NBC News and more! When he's not talking money, he enjoys watching his kids play soccer, singing karaoke with his wife and watching Marvel movies.  GUEST SOCIAL LINKS: Instagram Facebook Twitter YouTube PODCAST SPONSORS:  Not Another Personal Finance Podcast PAST EPISODES YOU'LL ENJOY: Paying Off $600k+ Of Debt, Having A 70% Savings Rate, & The Intersectionality Of Money + Intentional Living With Rachel Rainbolt Deconstructing Money Shame, NavigatingMental Health & Finances, And 3 Reasons Dave Ramsey Sucks With Lexa Vandamme ASSUL RESOURCES: 1:1 Coaching With Sami: Apply today 2023 Powersheets: 2023 Goal Planner YouTube: Subscribe for free  Instagram: Follow me on the ‘gram  Facebook: Follow me on Facebook The Sunny Sqad: Join the VIP Facebook Group SHOW INFORMATION:  A Sunny Side Up Life Podcast is a show for women who are ready to live an abundant life full of freedom + positivity. Sami Womack, nationally recognized money expert and finance coach guides listeners toward breaking free from survival mode, gaining financial freedom, staying motivated, and focusing on what matters most. Learn more at: https://www.asunnysideuplife.com    HOST BIO:  Sami Womack is the brains behind A Sunny Side Up Life. Her weekly podcast has been downloaded over 250,000 times, and her story has been featured on YNAB, Debt.com, The Purpose Show with Allie Casazza, and The His & Her Money Show. When she's not downing caramel coffee or homeschooling her daughters, she's creating content, collaborating with finance/minimalist organizations, and inspiring women all over the world to live an intentional life. She began this journey with her high school sweetheart, Daniel, and a debt price tag of $490,000. They both took control of their family's finances by downsizing, budgeting, and changing habits. From this experience, A Sunny Side Up Life was born. DISCLAIMER(S): This show may contain affiliate links or links from our advertisers where I earn a commission or direct payment. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. CREDITS: Audio Engineer + Editor: Garrett Davis Podcast Support + Artwork: Weir Digital Marketing Research: Vee Weir

You've probably heard the saying, "It's not about how much money you have, it's how you manage that money." Well, this episode is a perfect example of why that is 100% accurate. Haley and Justin Brown-Woods from Price Of Avocado Toast Podcast joins A Sunny Side Up Life podcast to talk about their journey into the personal finance space and financial coaching, how their lives have been changed by podcasting and what it takes to work together as a Millennial married couple on money management. In this episode, we chat about:  What Haley and Justin did with a $600K inheritance How tracking your money will transform your life Why Dave Ramsey got the boot from their lives The importance of spending on joy + more GUEST BIO: Haley and Justin Brown-Woods are a married millennial couple from California working to help folks normalize conversations about money through their company, Price of Avocado Toast.  In their early 20's, they received a $600k payout from a wrongful death lawsuit after Justin's grandmother died of mesothelioma. They each grew up in low-income single-mother households and financial education was not a priority. So you could say, they essentially won the lottery.  They spent every last penny of the $600k and then found themselves in over $220k worth of debt in just 3.5 years. In late 2019, they decided to start their journey to financial freedom and they paid off $132k in 18 months. GUEST SOCIAL LINKS: Instagram Facebook Podcast PODCAST SPONSORS: Price of Avocado Toast Budget PAST EPISODES YOU'LL ENJOY: Paying Off $600k+ Of Debt, Having A 70% Savings Rate, & The Intersectionality Of Money + Intentional Living With Rachel Rainbolt Deconstructing Money Shame, NavigatingMental Health & Finances, And 3 Reasons Dave Ramsey Sucks With Lexa Vandamme ASSUL RESOURCES: 1:1 Coaching With Sami: Apply today 2023 Powersheets: 2023 Goal Planner YouTube: Subscribe for free  Instagram: Follow me on the ‘gram  Facebook: Follow me on Facebook The Sunny Sqad: Join the VIP Facebook Group SHOW INFORMATION: A Sunny Side Up Life A Sunny Side Up Life Podcast is a show for women who are ready to live an abundant life full of freedom + positivity. Sami Womack, nationally recognized money expert and finance coach guides listeners toward breaking free from survival mode, gaining financial freedom, staying motivated, and focusing on what matters most. Learn more at: https://www.asunnysideuplife.com    HOST BIO: Sami Womack Sami Womack is the brains behind A Sunny Side Up Life. Her weekly podcast has been downloaded over 250,000 times, and her story has been featured on YNAB, Debt.com, The Purpose Show with Allie Casazza, and The His & Her Money Show. When she's not downing caramel coffee or homeschooling her daughters, she's creating content, collaborating with finance/minimalist organizations, and inspiring women all over the world to live an intentional life. She began this journey with her high school sweetheart, Daniel, and a debt price tag of $490,000. They both took control of their family's finances by downsizing, budgeting, and changing habits. From this experience, A Sunny Side Up Life was born. DISCLAIMER(S): This show may contain affiliate links or links from our advertisers where I earn a commission or direct payment. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. CREDITS: Audio Engineer + Editor: Garrett Davis Podcast Support + Artwork: Weir Digital Marketing Research: Vee Weir

In this solo episode, Sami deconstructs the harmful narrative of college being the one and only choice after high school and how she is using launching funds as an alternative in her own family.  While statistically college increases income and earning potential over a lifetime, we must consider if this is the right path for our children and the high-stake resources needed to earn a high education degree. If you've ever felt conflicted about saving for your kids' future, this episode is for you. In this episode, Sami chats about: Statistics on student loan debt + earning potential of high school graduates vs. those holding Bachelors Degrees Alternatives to student loan debt and post high school education including trade schools, scholarships, etc. Case study: Sami's college story in comparison to her husband's career  The power of a launching fund instead of a traditional college savings fund and what a launching fund is  529 plans, UTMA, UGMA, traditional brokerage accounts to save for college + more MENTIONED IN THE EPISODE: https://www.veefrugalfox.com/blog/forcing-your-kids-to-go-to-college-is-stupid https://money.com/best-college-savings-account/ https://journeytolaunch.com/episode272/  PAST EPISODES YOU'LL ENJOY: PAYING OFF $600K+ OF DEBT, HAVING A 70% SAVINGS RATE, & THE INTERSECTIONALITY OF MONEY + INTENTIONAL LIVING WITH RACHEL RAINBOLT PAYING OFF $211,000 OF DEBT, SAYING NO TO SIDE HUSTLES, + STUDENT LOAN FORGIVENESS WITH NIKA BOOTH ASSUL RESOURCES: 1:1 Coaching With Sami: Apply today 2023 Powersheets: 2023 Goal Planner YouTube: Subscribe for free  Instagram: Follow me on the ‘gram  Facebook: Follow me on Facebook The Sunny Sqad: Join the VIP Facebook Group SHOW INFORMATION: A Sunny Side Up Life A Sunny Side Up Life Podcast is a show for women who are ready to live an abundant life full of freedom + positivity. Sami Womack, nationally recognized money expert and finance coach guides listeners toward breaking free from survival mode, gaining financial freedom, staying motivated, and focusing on what matters most. Learn more at: https://www.asunnysideuplife.com    HOST BIO: Sami Womack Sami Womack is the brains behind A Sunny Side Up Life. Her weekly podcast has been downloaded over 250,000 times, and her story has been featured on YNAB, Debt.com, The Purpose Show with Allie Casazza, and The His & Her Money Show. When she's not downing caramel coffee or homeschooling her daughters, she's creating content, collaborating with finance/minimalist organizations, and inspiring women all over the world to live an intentional life. She began this journey with her high school sweetheart, Daniel, and a debt price tag of $490,000. They both took control of their family's finances by downsizing, budgeting, and changing habits. From this experience, A Sunny Side Up Life was born. DISCLAIMER(S): This show may contain affiliate links or links from our advertisers where I earn a commission or direct payment. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. CREDITS: Audio Engineer + Editor: Garrett Davis Podcast Support + Artwork: Weir Digital Marketing Research: Vee Weir

If you're reading this, you likely currently have or have had credit card debt. So how do we take action to mitigate risk and stop giving huge amounts of money to greedy credit card corporations? Sami gets candid about her own experiences with credit card debt, why people find themselves drowning in it, and ways you can pay down that debt. She also explains the importance of credit scores, emergency funds, and getting your money mindset right before diving into using them strategically. If you're struggling with credit cards in any capacity, this episode is for you. In this episode, Sami chats about: Why people find themselves in credit card debt + why that debt has spiked in the last 3 years  How Sami's family is jumping back into using credit cards strategically + healing financial trauma  The importance of credit scores and why they actually matter  How to pay off credit card debt and 3 proven strategies to mitigate credit card debt risk  Credit card balance transfers, travel hacking, points and rewards + more SPONSOR(S): Not Another Personal Finance Podcast: Listen and subscribe to their podcast TODAY! MENTIONED IN THE EPISODE: Easy Budget's Debt Snowball Calculator Aunt Kara's IG Capital One Venture X  PAST EPISODES YOU'LL ENJOY: EP. 109 TRAVEL HACKING + LIVING BY YOUR OWN RULES EP. 115 PAYING OFF DEBT: SNOWBALL VS. AVALANCHE EP. 134 DON'T F WITH THE IRS ASSUL RESOURCES: 1:1 Coaching With Sami: Apply today YouTube: Subscribe for free  Instagram: Follow me on the ‘gram  Facebook: Follow me on Facebook The Sunny Sqad: Join the VIP Facebook Group SHOW INFORMATION: A Sunny Side Up Life A Sunny Side Up Life Podcast is a show for women who are ready to live an abundant life full of freedom + positivity. Sami Womack, nationally recognized money expert and finance coach guides listeners toward breaking free from survival mode, gaining financial freedom, staying motivated, and focusing on what matters most. Learn more at: https://www.asunnysideuplife.com    HOST BIO: Sami Womack Sami Womack is the brains behind A Sunny Side Up Life. Her weekly podcast has been downloaded over 250,000 times, and her story has been featured on YNAB, Debt.com, The Purpose Show with Allie Casazza, and The His & Her Money Show. When she's not downing caramel coffee or homeschooling her daughters, she's creating content, collaborating with finance/minimalist organizations, and inspiring women all over the world to live an intentional life. She began this journey with her high school sweetheart, Daniel, and a debt price tag of $490,000. They both took control of their family's finances by downsizing, budgeting, and changing habits. From this experience, A Sunny Side Up Life was born. DISCLAIMER(S): This show may contain affiliate links or links from our advertisers where I earn a commission or direct payment. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. CREDITS: Audio Engineer + Editor: Garrett Davis Podcast Support + Artwork: Weir Digital Marketing Research: Vee Weir

Do you want some motivation on your journey to becoming debt free as a PA (physician associate / physician assistant)? Take a listen to hear the story of how PA Nicole and her supportive husband, Anthony, paid off their debt aggressively to become debt free all while starting their family. A large portion of their debt was Nicole's student loan debt from PA school, and they formulated a plan together to pay off their debt as a team. They discuss how they like to do check-ins, which are often mini vacations, to discuss their finances and connect. This is a concept that I absolutely love and will try to implement with my husband. Nicole and Anthony also share about their experience with investing in real estate by purchasing rentals... and then making the decision to eventually sell them. They discuss their recent strategies to building their net worth on their journey to financial independence, which includes investing in businesses! You'll find this episode so informative and inspirational that you'll want to share it with your PA friends, PA colleagues, and spouse / partners as you all work on becoming debt free. Connect with Nicole on Instagram: @nmcole1013 Resources mentioned: Rich Dad Poor Dad (book) BiggerPockets (podcast) Enjoy the show? You can now support the PA the FI Way podcast through Buy Me a Coffee! Thank you for all of your support! https://www.buymeacoffee.com/pathefiway Website / Blog: pathefiway.com Follow along on Instagram: @pathefiway https://www.instagram.com/pathefiway/ Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway Keywords: debt free, debt free journey, real estate investing, student loan debt, physician associate, physician assistant, physician assistant financial independence, physician associate financial independence, physician assistant finances, physician associate finances, physician assistant school, physician associate school, PA school, PA-S, PA-C, pre-PA, physician assistant student, physician associate student

Nika Booth, award-winning debt expert and woman behind @debtfreegonnabe, joins the podcast to discuss all things six-figure debt free journey, student loans, and Instagram Finfluencer fame.  We talk about the importance of taking care of yourself, avoiding Dave Ramsey or any strict personal finance advice, building in fun money, and making sure your budget fits your life.  @debtfreegonnabe has been featured in Business Insider, Bankrate, CNBC, and Yahoo Finance, just to name a few. Nika has amassed an impressive following of 70k+ on Instagram and helps people slay debt without sacrificing fun.  In this episode, Nika and I chat about: How a 35 day furlough lit a fire under Nika to start her debt free journey  The dangers of under-withholding and not filing taxes (hint: don't do this) Why community has been essential during Nika's debt payoff journey Instacart, Mercari, Receptionist and the catch-22 of gazelle intensity + side hustles  Balance, boundaries, and stepping away from chasing the algorithm + more MENTIONED IN THE EPISODE: Don't F With The IRS Mercari Sell Your Sh*t On Mercari Demolish Your Debt Resource Guide GUEST BIO: NIKA BOOTH In 2018, Nika got serious about her debt and became passionate about all things personal finance. Today, she's an award-winning personal finance content creator and a go-to expert on money, debt, and student loan repayment.  @debtfreegonnabe has been featured in Business Insider, Bankrate, CNBC, and Yahoo Finance, just to name a few. Nika has amassed an impressive following of 70k+ on Instagram and helps people slay debt without sacrificing fun.  GUEST SOCIAL + WEBSITE: Instagram TikTok Facebook Twitter Website ASSUL RESOURCES: 1:1 Coaching With Sami: Apply today YouTube: Subscribe for free  Instagram: Follow me on the ‘gram  Facebook: Follow me on Facebook The Sunny Sqad: Join the VIP Facebook Group SHOW INFORMATION: A Sunny Side Up Life A Sunny Side Up Life Podcast is a show for women who are ready to live an abundant life full of freedom + positivity. Sami Womack, nationally recognized money expert and finance coach guides listeners toward breaing free from survival mode, gaining financial freedom, staying motivated, and focusing on what matters most. Learn more at: https://www.asunnysideuplife.com    HOST BIO: Sami Womack Sami Womack is the brains behind A Sunny Side Up Life. Her weekly podcast has been downloaded over 250,000 times, and her story has been featured on YNAB, Debt.com, The Purpose Show with Allie Casazza, and The His & Her Money Show. When she's not downing caramel coffee or homeschooling her daughters, she's creating content, collaborating with finance/minimalist organizations, and inspiring women all over the world to live an intentional life. She began this journey with her high school sweetheart, Daniel, and a debt price tag of $490,000. They both took control of their family's finances by downsizing, budgeting, and changing habits. From this experience, A Sunny Side Up Life was born. Today, Sami owns this business helping women get through dark times and experience the life-altering magic of intentional living. DISCLAIMER(S): This show may contain affiliate links or links from my advertisers where I earn a commission or direct payment. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. CREDITS: Podcast Support: Weir Digital Marketing Podcast Artwork: Weir Digital Marketing Audio Engineer: Garrett Davis

At the end of the day, your budget is a lot like hot weather and articles of clothing: you can only cut so much before it becomes problematic. And that's what we're tackling today on A Sunny Side Up Life Podcast. Sami discusses the unnecessary guilt and shame surrounding things we can't control, like the current inflation rate, and how to combat these feelings and our finances during periods of monetary struggle. In this episode, Sami chats about: Actionable steps to take when you feel out of control with your money How personal finance procrastination relates to a junk closet The importance and power of building consistent habits with budgeting Guilt and shame over money mistakes, being worthy of more than financial struggle, + more SPONSOR(S): Price Of Avocado Toast Podcast: Listen and subscribe to the Price of Avocado Toast Podcast TODAY PAST EPISODES YOU'LL ENJOY: Facing Your Fears Money Is Emotional  Getting Through The Darkness ASSUL RESOURCES: 1:1 Coaching With Sami: Apply today YouTube: Subscribe for free  Instagram: Follow me on the ‘gram  Facebook: Follow me on Facebook The Sunny Sqad: Join the VIP Facebook Group SHOW INFORMATION: A Sunny Side Up Life A Sunny Side Up Life Podcast is a show for women who are ready to live an abundant life full of freedom + positivity. Sami Womack, nationally recognized money expert and finance coach guides listeners toward breaing free from survival mode, gaining financial freedom, staying motivated, and focusing on what matters most. Learn more at: https://www.asunnysideuplife.com    HOST BIO: Sami Womack Sami Womack is the brains behind A Sunny Side Up Life. Her weekly podcast has been downloaded over 250,000 times, and her story has been featured on YNAB, Debt.com, The Purpose Show with Allie Casazza, and The His & Her Money Show. When she's not downing caramel coffee or homeschooling her daughters, she's creating content, collaborating with finance/minimalist organizations, and inspiring women all over the world to live an intentional life. She began this journey with her high school sweetheart, Daniel, and a debt price tag of $490,000. They both took control of their family's finances by downsizing, budgeting, and changing habits. From this experience, A Sunny Side Up Life was born. Today, Sami owns this business helping women get through dark times and experience the life-altering magic of intentional living. DISCLAIMER(S): This show may contain affiliate links or links from our advertisers where I earn a commission or direct payment. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. CREDITS: Podcast Support: Weir Digital Marketing Podcast Artwork: Weir Digital Marketing Audio Engineer: Garrett Davis

Welcome everyone to the BetterWallet podcast. As you guys know, the BetterWallet podcast is all about demystifying the topic of money and sharing powerful money stories from people that truly beat the odds, whatever that might look like for you, and found financial success. Today, we have my guy on the line, Ian Group from Ian Builds Wealth. And if you don't know who he is, he's a business owner, a husband, and an investor. He specializes in helping people budget, pay off debt, and invest. And before this recording, I didn't know that Ian was also a real estate attorney, which is dope. And another fun fact about him is he used to be an actor. I don't know if he's still acting now. But he used to be, and we'll get into that during the podcast. What is the one thing Ian spent lots of money on that he would do again (00:01:51)Ian's childhood growing up (00:04:52)Paying off $190,000 of debt (00:10:53)Ian begins helping others (00:15:03)Getting on the same page financially with your wife (00:21:47)Starting a business (00:22:24)More from Ian:Build Wealth Tools - https://www.ianbuildswealth.com/buildwealthtoolsYoutube - https://www.youtube.com/ianbuildswealthInstagram - https://www.instagram.com/ianbuildswealth/How I paid off $20k in credit card debt - https://www.youtube.com/watch?v=c-Z411mtaI0&tMore from BetterWallet:Get your checklist now!Financially Bulletproof Checklist - financesincheck.com/checklistFollow me@BetterWallet on Instagram@BetterWallet on TikTok@TheBetterWallet on Twitter

Rachel Rainbolt, founder of Sage Family, and gentle parenting, natural homeschooling, and simple living mentor, joins the podcast to discuss money, parenting, homeschooling, and minimalism. With a master's degree in marital and family therapy, she has spent decades guiding thousands of overwhelmed families to peace and joy.  Today, we discuss putting on your oxygen mask first, normalizing different money habits than what we grew up with, living out loud in front of your kids, and living an intentional life. In this episode, Rachel and I chat about: How to live a natural homeschooling, gentle parenting, simple living life The Bucket System, Launching Funds, + paying off $600k+ in debt Giving your kids a seat at the table when discussing money The intersectionality of money and intentional living What is geo-arbitrage and house-hacking Flipping your perspective on “negative” situations + more SPONSOR(S): Not Another Personal Finance Podcast: Listen and subscribe to their podcast TODAY! Sage Money: Learn simple personal finance tactics that will honor your needs and dreams through money storying, debt freedom, conscious spending, intentional banking, smart investing, and financial independence.   MENTIONED IN THE EPISODE: Sage Family: Debt Freedom With Sami Womack Shining A Light On Simple Living + Gentle Parenting With Rachel Rainbolt  Sexuality With Amy Lang FIND SAGE FAMILY ONLINE + SOCIAL MEDIA HERE: Rachel's Instagram Page Rachel's Website Rachel's Podcast   Rachel's Courses GUEST BIO - RACHEL RAINBOLT: Rachel Rainbolt, founder of Sage Family, and gentle parenting, natural homeschooling, and simple living mentor, joins the podcast to discuss money, parenting, homeschooling, and minimalism. With a master's degree in marital and family therapy, she has spent decades guiding thousands of overwhelmed families to peace and joy.  ASSUL RESOURCES: 1:1 Coaching With Sami: Apply today YouTube: Subscribe for free  Instagram: Follow me on the ‘gram  Facebook: Follow me on Facebook The Sunny Sqad: Join the VIP Facebook Group SHOW INFORMATION: A Sunny Side Up Life A Sunny Side Up Life Podcast is a show for women who are ready to live an abundant life full of freedom + positivity. Sami Womack, nationally recognized money expert and finance coach guides listeners toward breaing free from survival mode, gaining financial freedom, staying motivated, and focusing on what matters most. Learn more at: https://www.asunnysideuplife.com    HOST BIO: Sami Womack Sami Womack is the brains behind A Sunny Side Up Life. Her weekly podcast has been downloaded over 250,000 times, and her story has been featured on YNAB, Debt.com, The Purpose Show with Allie Casazza, and The His & Her Money Show. When she's not downing caramel coffee or homeschooling her daughters, she's creating content, collaborating with finance/minimalist organizations, and inspiring women all over the world to live an intentional life. She began this journey with her high school sweetheart, Daniel, and a debt price tag of $490,000. They both took control of their family's finances by downsizing, budgeting, and changing habits. From this experience, A Sunny Side Up Life was born. Today, Sami owns this business helping women get through dark times and experience the life-altering magic of intentional living. DISCLAIMER(S): This show may contain affiliate links or links from our advertisers where I earn a commission or direct payment. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. CREDITS: Podcast Support: Weir Digital Marketing Podcast Artwork: Weir Digital Marketing Audio Engineer: Garrett Davis

As someone who has gone from half-a-million dollars in debt to a quarter-million dollars positive net worth in one decade, I've made money choices that have changed the course of my entire life.  In this solo episode, I unpack these decisions, go through my 5 bank account method, and validate doing what's best for you and not what society says you should do. In this episode, I chat about: Our decision to go from 3,200 square feet to 600 square feet The importance of checking your net worth & cash-flowing purchases  Why temporary sacrifices are worth it for long-term happiness How to organize your bank accounts + more SPONSOR(S): Digital Budgeting System: If you want an automated, color-coordinated, simplified, and gorgeous way to organize your money…you're in the right place! This is a simple 6-tab spreadsheet system hosted through Google Sheets, full of formulas + shortcuts. MENTIONED IN THE EPISODE: Creating an Intentional Life In a Consumer Culture 5 Bank Account Method Visual Ally High Yield Savings Account ASSUL RESOURCES: 1:1 Coaching With Sami: Apply today YouTube: Subscribe for free  Instagram: Follow me on the ‘gram  Facebook: Follow me on Facebook The Sunny Sqad: Join the VIP Facebook Group SHOW INFORMATION: A Sunny Side Up Life A Sunny Side Up Life Podcast is a show for women who are ready to live an abundant life full of freedom + positivity. Sami Womack, nationally recognized money expert and finance coach guides listeners toward breaing free from survival mode, gaining financial freedom, staying motivated, and focusing on what matters most. Learn more at: https://www.asunnysideuplife.com    HOST BIO: Sami Womack Sami Womack is the brains behind A Sunny Side Up Life. Her weekly podcast has been downloaded over 250,000 times, and her story has been featured on YNAB, Debt.com, The Purpose Show with Allie Casazza, and The His & Her Money Show. When she's not downing caramel coffee or homeschooling her daughters, she's creating content, collaborating with finance/minimalist organizations, and inspiring women all over the world to live an intentional life. She began this journey with her high school sweetheart, Daniel, and a debt price tag of $490,000. They both took control of their family's finances by downsizing, budgeting, and changing habits. From this experience, A Sunny Side Up Life was born. Today, Sami owns this business helping women get through dark times and experience the life-altering magic of intentional living. DISCLAIMER(S): This show may contain affiliate links or links from my advertisers where I earn a commission or direct payment. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. CREDITS: Podcast Support: Weir Digital Marketing Podcast Artwork: Weir Digital Marketing Audio Engineer: Garrett Davis

#049 - On this episode, Mayra shares how she stays motivated to reach personal goals.   Connect with Mayra at https://DebtFreeLatina.com  Follow Mayra on Instagram at @mayra.alejandra.garcia

#049 - On this episode, Mayra shares how she stays motivated to reach personal goals.   Connect with Mayra at https://DebtFreeLatina.com  Follow Mayra on Instagram at @mayra.alejandra.garcia

Welcome and thanks for joinin' us for Episode 39 of Kosmo Unfiltered!Today's episode is on something I love talkin' about.It's all about why people go broke and what you can do to stop it.Make sure to check it out!Key Takeaways:Intro (00:00)Is this for you? (01:40)Do you make this mistake when managing money? (02:50)The problem in numbers (05:37)How we made a budget (11:25)Episode wrap-up (15:30)Additional Resources:Share this podcast with someone on social media!Visit Kosmo's website here.Check out Kosmo's YouTube channel. Connect with Kosmo:Instagram: @kosmounfilteredFacebook: @kosmounfilteredTikTok: @kosmounfilteredFollow the podcast on Apple, Spotify, Google Podcast, Stitcher, or anywhere else you listen to your podcasts.If you haven't already, please rate and review the podcast on Apple Podcasts!

Debt Free Journey: What they DON'T tell you! Let's Connect... Website: https://gregtoddtv.com/ Free Mentorship: https://www.facebook.com/groups/mentorwithgreg/http://bit.ly/mentorwithgreg Instagram: https://www.instagram.com/gregtoddpthttp://bit.ly/gregtoddinstagram Youtube: https://youtu.be/pZB0xEciJ-U

This is the last part of the podcast...broken into 4 different parts: Prioritizing the debt free journey.On this live episode we take a guest from the audience along with some q's about debt - This was recorded on a live platform called - Wisdom (it is a podcast platform)  and was done so with a sub-par Microphone...kindly excuse the lack of quality sound.  I am trying out different equipment for when I am on the road.We walk directly into debt while deluding ourselves into thinking it's just this one credit card, it's just an emergency, it will just be this one time, and before we know it...we are in debt up to our eyeballs, scrambling for what little money we have in attempt to make ends meet.  We have to much month left at the end of our money.  This and the next few podcasts to follow are about sharing our debt free journey with you, how we did it, why we did it, and easy steps you can follow beginning today.Thanks for listening!  I'm glad you're here!...A few of the issues I address in this episode - Ramsey Baby Steps 7Why buy their stuff for them with your debt...?What we were doing when we realized how we screwed upHow banks build their skyscrapers with your moneyStop buying everyone else's futureThe most marketed item in the history of advertisingPoints, miles, etcLinks to items mentioned in this episode - Ramsey SolutionsThe Ramsey ShowThe Rachel Cruze ShowAnthony O'Neil YouTubeToby-isms:"If I always do what I've always done, I will always get what I've always gotten.""Goals don't accidentally happen on their own."Baby step Two:Line up all your consumer debts, paying the minimum amount across the board, and then take the remaining leftover from you paycheck and attack the smallest dollar amount with a vengeance until it is out of your life...repeat as you roll that payment up to the next smallest debt, and the next smallest...creating a debt snowball How do we do this?On...Instagram | Twitter | Facebook | Tik-Tokme@tobybaker.lifeListen - Apple Podcasts,  Spotify,  Stitcher,  iHeart Radio,  Podcast Addict,  Podchaser,  Deezer

Living in an RV may seem like a dream for travelers and minimalists but it's not always as easy and fancy as it seems. In this episode, Jill breaks down her minimalist RV lifestyle and non-traditional methods such as house sitting, renovating an RV and trailer to sell, and more, together with her supportive husband Eric in order to pay their debt. 

Dave Ramsey & Dr. John Delony discuss: Preparing for filing taxes, How to walk through a potential job change, An emotional Debt-Free Scream. Support Our Sponsors: Newton: https://bit.ly/3BnPn1k  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6