Podcasts about debt free living

How do the election results impact your finances? Are you making any changes?On episode 562 of the Queer Money podcast, hosts David and John discuss five essential post-election moves for LGBTQ+ individuals, following the unexpected political shift with Harris not becoming president. The episode underscores the importance of financial security and preparedness in challenging political climates, addressing concerns about Project 2025 and its potential impacts on LGBTQ+ rights. Emphasizing collective financial strength, the hosts recommend supporting LGBTQ+ organizations, businesses, and building personal financial resilience through savings and debt reduction. This episode serves as a call to action for the community to leverage financial well-being as a form of protest and protection.Topics covered:02:06 The Impact of Project 2025 04:01 Call to Action: Financial Security 07:13 Supporting LGBTQ+ Organizations and Businesses 13:51 Building Emergency Savings and Debt-Free Living 18:50 Breaking the Addiction to Consumerism 25:19 Conclusion and Final ThoughtsFollow us:Queer Money InstagramQueer Money YouTubeQueer Money on TiktokConnect with John on LinkedInConnect with David on LinkedInMentioned in this episode:Subscribe to the Queer Money Weekly NewsletterSubscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more.Subscribe to the Queer Money weekly newsletter

This month, Tiffany sets off to accomplish one of her New Year's resolutions: a month of buying nothing (beyond the essentials of daily life). In an effort to better understand her spending habits, save a bit of money, and pare down the superfluous matter in her home, she attempts to spend nothing but the essential cost of living for the entire month. Will she succeed? And with this more intentional way of spending effect a lasting change in her financial life? We discuss this and more on this week's episode. ------------------------------------- ADVERTISE WITH US: Reach expats, future expats, and travelers all over the world. Send us an email to get the conversation started. BECOME A PATRON: Pledge your monthly support of The Bittersweet Life and receive awesome prizes in return for your generosity! Visit our Patreon site to find out more. TIP YOUR PODCASTER: Say thanks with a one-time donation to the podcast hosts you know and love. Click here to send financial support via PayPal. (You can also find a Donate button on the desktop version of our website.) The show needs your support to continue. START PODCASTING: If you are planning to start your own podcast, consider Libsyn for your hosting service! Use this affliliate link to get two months free, or use our promo code SWEET when you sign up. SUBSCRIBE: Subscribe to the podcast to make sure you never miss an episode. Click here to find us on a variety of podcast apps. WRITE A REVIEW: Leave us a rating and a written review on iTunes so more listeners can find us. JOIN THE CONVERSATION: If you have a question or a topic you want us to address, send us an email here. You can also connect to us through Twitter, Facebook, and Instagram. Tag #thebittersweetlife with your expat story for a chance to be featured! NEW TO THE SHOW? Don't be afraid to start with Episode 1: OUTSET BOOK: Want to read Tiffany's book, Midnight in the Piazza? Learn more here or order on Amazon. TOUR ROME: If you're traveling to Rome, don't miss the chance to tour the city with Tiffany as your guide!  

In this episode, we discuss what it will cost us to live "debt free" in our RV.  Our projected budget shocked us and may shock you too! RV DESTINATIONS MAGAZINE: https://www.rvdestinationsmagazine.com/TravelDelaney USE CODE: TRAVELDELANEY20 to save 20% off of any of their subscriptions   Check out our YouTube Channel:  https://www.youtube.com/travelswithdelaney   Follow us on INSTAGRAM and FACEBOOK: @travelswithdelaney Checkout our website: https://www.travelswithdelaney.com   Don't Just Camp; Camp Happy! https://www.camphappyacres.com   Ultimate Cloth https://www.ultimatecloth.com/TWD SAVE 15% with Code TWD15

Dive into Pastor Lester's transformative sermon, "Faith for Debt-Free Living." In this impactful message, Pastor Lester unpacks the Word to reveal God's perspective on debt and the freedom He desires for us. Discover how faith plays a crucial role in breaking free from financial burdens and learn to trust in our Heavenly Father's provision. This episode is a call to align your financial life with divine principles and embrace the liberation that comes with debt-free living. Don't miss this enlightening discussion that could redefine your financial journey!

Dive into Pastor Lester's transformative sermon, "Faith for Debt-Free Living." In this impactful message, Pastor Lester unpacks the Word to reveal God's perspective on debt and the freedom He desires for us. Discover how faith plays a crucial role in breaking free from financial burdens and learn to trust in our Heavenly Father's provision. This episode is a call to align your financial life with divine principles and embrace the liberation that comes with debt-free living. Don't miss this enlightening discussion that could redefine your financial journey!

Dive into Pastor Lester's transformative sermon, "Faith for Debt-Free Living." In this impactful message, Pastor Lester unpacks the Word to reveal God's perspective on debt and the freedom He desires for us. Discover how faith plays a crucial role in breaking free from financial burdens and learn to trust in our Heavenly Father's provision. This episode is a call to align your financial life with divine principles and embrace the liberation that comes with debt-free living. Don't miss this enlightening discussion that could redefine your financial journey!

Peter recently achieved financial freedom by becoming completely debt-free. Join us as he shares his inspiring journey, the challenges he faced, and the incredible mental and emotional benefits of living without debt. Whether you're struggling with debt or simply looking for motivation, Peter's story offers valuable insights and practical advice for anyone on the path to financial freedom. Tune in and discover how you too can achieve a debt-free life!

C-Roc introduces Deacon Hayes, who paid off $52,000 of debt in 18 months and now helps others achieve financial freedom. Deacon discusses his challenging upbringing with divorced parents, a mother on welfare, and a father in jail, emphasizing perseverance as a crucial trait in overcoming personal and financial obstacles. Initially believing debt was necessary, Deacon realized it perpetuated a paycheck-to-paycheck cycle. Learning from successful people and financial books like Rich Dad Poor Dad and Total Money Makeover he adopted Dave Ramsey's debt snowball method to eliminate his debt. Deacon also values using credit cards wisely for rewards and prefers index funds over mutual funds for their lower costs and better performance. He shares his real estate investment experience during the 2007-2008 crash, stressing the importance of risk calculation and considering all potential costs. Deacon's career transitioned from wood flooring sales to financial planning and eventually to running his financial website, Well Kept Wallet. A significant turning point was a local TV feature that brought substantial traffic and revenue to his website. Deacon highlights the importance of a clear call to action in PR and media appearances, using search engine optimization (SEO) to attract consistent traffic, and engaging his audience with valuable content and challenges like the $1,000 savings challenge. Website- https://wellkeptwallet.com Social Media Links/ https://www.instagram.com/wellkeptwallet https://www.youtube.com/wellkeptwallet

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2753: Kumiko from TheBudgetMom.com outlines crucial advice on eliminating unsecured debt, student loans, and mortgages before retirement to secure a financially stable future. By proactively addressing these debts, you can enjoy your retirement with peace of mind and freedom from financial burdens. Read along with the original article(s) here: https://www.thebudgetmom.com/3-debts-you-should-eliminate-before-retirement/ Quotes to ponder: "The simple truth is, you can't afford to have a majority of your income eaten up by debt payments." "If you have a credit card with a $5,000 balance with 18% interest, it will take you roughly 84 months to pay it off." "It's critical to take steps to ensure you have an effective debt management strategy in place and to take early action steps to eliminate debt before you retire." Episode references: Federal Student Aid - Income-Driven Repayment Plans: https://studentaid.gov/manage-loans/repayment/plans/income-driven Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2753: Kumiko from TheBudgetMom.com outlines crucial advice on eliminating unsecured debt, student loans, and mortgages before retirement to secure a financially stable future. By proactively addressing these debts, you can enjoy your retirement with peace of mind and freedom from financial burdens. Read along with the original article(s) here: https://www.thebudgetmom.com/3-debts-you-should-eliminate-before-retirement/ Quotes to ponder: "The simple truth is, you can't afford to have a majority of your income eaten up by debt payments." "If you have a credit card with a $5,000 balance with 18% interest, it will take you roughly 84 months to pay it off." "It's critical to take steps to ensure you have an effective debt management strategy in place and to take early action steps to eliminate debt before you retire." Episode references: Federal Student Aid - Income-Driven Repayment Plans: https://studentaid.gov/manage-loans/repayment/plans/income-driven Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2753: Kumiko from TheBudgetMom.com outlines crucial advice on eliminating unsecured debt, student loans, and mortgages before retirement to secure a financially stable future. By proactively addressing these debts, you can enjoy your retirement with peace of mind and freedom from financial burdens. Read along with the original article(s) here: https://www.thebudgetmom.com/3-debts-you-should-eliminate-before-retirement/ Quotes to ponder: "The simple truth is, you can't afford to have a majority of your income eaten up by debt payments." "If you have a credit card with a $5,000 balance with 18% interest, it will take you roughly 84 months to pay it off." "It's critical to take steps to ensure you have an effective debt management strategy in place and to take early action steps to eliminate debt before you retire." Episode references: Federal Student Aid - Income-Driven Repayment Plans: https://studentaid.gov/manage-loans/repayment/plans/income-driven Learn more about your ad choices. Visit megaphone.fm/adchoices

What do you need to know to get out of debt? 00:00 - Intro 00:42 - Rob Berger's Debt Story Reaction 15:05 - Two Cents Debt Advice  In today's story, Jay reacts to Rob Berger's story of getting out of debt. What can you learn from his story? Ed Jarecki EYB Collaboration: https://youtu.be/0KKDIwyKuMo?si=sP01CwqRFfRisvar Video Link: Rob Berger: How to FINALLY Get Out of Debt | 7 Steps to Debt Freedom: https://youtu.be/1MDQ32T2_Bg?si=7BUKN2JNl8pWf0jZ In the main topic, Jay breaks down HopeFilled Financial FootStep #3 - Get Out of Debt. He shares the nuances of different methods of getting out of debt: the avalanche method and the snowball method. He shows examples of each on his debt payment calculator spreadsheet tool. What else do you need to think about when paying off devt? Let us know in the comments! Video Link: Two Cents: What's The Fastest Way To Pay Off Debt? https://youtu.be/PvEUj_mRfIo?si=A0dhO2VAr5nq-X73 NYT Article: https://archive.nytimes.com/bucks.blogs.nytimes.com/2012/08/20/to-get-out-of-debt-it-may-help-to-think-small/?mcubz=3&_r=0 Dave Ramsey IRS Call: https://www.youtube.com/watch?v=pI4VMV9S28k Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial). Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own. Our Website: HopeFilledFinancial.com Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

Unlock the shackles of debt and discover a life imbued with spiritual and financial prosperity as we guide you through the transformative power of faith. This episode is a deep dive into the connection between assertive prayer and practical debt-elimination strategies, such as the debt snowball method, which together can forge a path to true financial freedom.  Step into a renewed mindset where financial breakthrough becomes a palpable reality. We discuss the abundant life envisioned for us by God, contrasting it with the scarcity mindset that often holds us back. The journey includes an exploration of the Biblical perspective on wealth and righteousness, challenging cultural stigmas associated with money and faith. You will hear powerful testimonies and scriptural references that encourage a shift towards a mentality of abundance, emphasizing that our thoughts shape our reality, and stewardship is pivotal to our spiritual journey.Remember, all messages are accessible for your spiritual nourishment, and we're here to support you every step of the way.

Our guest today, Jade Warshaw, shares her personal journey of eliminating a substantial amount of debt and achieving financial freedom with her husband. Through her experiences, Jade emphasizes the importance of embracing a budget as a tool for empowerment rather than a restriction, encouraging listeners to challenge their beliefs about money management.Key Points/Topics Covered:1. The importance of having a clear plan of action to conquer debt2. The impact of childhood experiences and belief systems on financial habits3. Overcoming negative perceptions of budgeting and transforming them into a positive mindset4. The benefits of persistence and commitment to a structured financial plan5. The unexpected turn of events that led to Jade Warshaw working with Dave RamseyKeep listening to the Live Richer Podcast for more insights and valuable advice on managing wealth and living a financially empowered life.

Snag Our Signature Budget Template with Vanessa's coupon! Welcome to a truly inspiring episode where we peel back the curtain on the transformative journey of Vanessa, co-host and co-founder of our dynamic financial coaching duo. Today, Vanessa shares her heartfelt story, turning her financial freedom dreams into reality and empowering women to take charge of their finances with confidence and clarity. Episode Highlights: - Vanessa's Leap from Teaching to Financial Coaching: Dive deep into Vanessa's journey as she transitions from the challenges of her teaching career into the fulfilling world of financial coaching. Discover how a moment of faith and a bold decision to live debt-free by 31 led her to her true calling. Vanessa's story is a powerful testament to the belief that when passion meets purpose, anything is achievable. - First Client Jitters to Foundational Shifts: Remember the first time you did something that scared you? Vanessa takes us back to that nerve-wracking yet exhilarating moment when she landed her first client. This pivotal experience wasn't just a step; it was a leap into building a business founded on trust, support, and the shared vision of financial liberation. - Zeroing In on Financial Coaching: In the world of coaching, finding your niche is gold. Vanessa and her partner, Shana, initially dabbled in various coaching domains but soon realized their hearts (and their clients' needs) were firmly rooted in financial coaching. This episode sheds light on the clarity and conviction it takes to find your lane and excel in it. - Living Below Your Means with Purpose: Vanessa's financial philosophy isn't just about saving pennies; it's about creating a life of abundance by prioritizing what truly matters. She shares how living below your means doesn't mean sacrificing joy but rather planning for future happiness while savoring the present. - A Day in Vanessa's Coaching Life: Get a behind-the-scenes look at Vanessa's coaching schedule, packed with transformative sessions that range from budget planning to celebrating those "aha" moments with clients. It's about instilling belief in her clients before they can see it for themselves, guiding them toward a brighter financial future. Vanessa's journey from financial uncertainty to empowering coach is more than just motivational; it's a roadmap for anyone looking to redefine their relationship with money. Her story, coupled with the practical tools and strategies shared in this episode, is a beacon of hope and action for financial empowerment. 4 Ways To Connect With Us: 1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.myidealbalance.com/freecall  2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.myidealbalance.com/facebook  3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://myidealbalance.com/budget  Use code "Vanessa" for a discount! 4️⃣ COACHING: Ready to dive deep into your finances? Sign up for our 1-on-1 Financial Coaching. It's the accountability and guidance you need to make real progress ➡︎ https://myidealbalance.com/coaching  "I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don't forget to follow the show so you don't miss any episodes! And, if you're feeling really generous, we'd be SO honored if you would share this podcast with someone.  Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!   --- Send in a voice message: https://podcasters.spotify.com/pod/show/idealbalance/message

It's tax refund time! Here are 7 money-smart ways to spend your newfound money. Second, we're back with our Debt-Free Living segment! We're featuring Ian Group from South Florida who crushed over $200,000 of debt over the last decade. Last but not least, my son Calvin will be joining me for another Good Word! We're talking about tipping and generosity! EPISODE RESOURCES: Sponsors + Partners + Deals Make My Kid a Millionaire (free section of the course): https://www.makemykidamillionaire.com Quotacy Term Life Insurance Quote: https://www.marriagekidsandmoney.com/quotacy (affiliate) Best Budget Apps for Families: https://marriagekidsandmoney.com/best-budget-apps-for-families/ Ian Group (Instagram): https://www.instagram.com/ianbuildswealth Good Word Story: https://www.goodnewsnetwork.org/social-media-goes-crazy-for-customer-who-went-above-and-beyond-to-mail-20-tip/ MKM RESOURCES: MKM Coaching: Want 1-on-1 support with your family finance journey? Book a time with me today. Make My Kid a Millionaire Course: Want to build generational wealth and happiness for your kid? Learn more about my course! YouTube: Subscribe for free to watch videos of these episodes and interviews. Instagram: Follow our IG channel. Voicemail: Leave your questions or comments here. Merch Store: Check out our t-shirts, hoodies, and coffee mugs! SHOW INFORMATION:  Marriage Kids and Money is dedicated to helping young families build wealth and happiness. This award-winning platform helps couples and parents achieve financial independence and discover the true meaning of wealth.  To achieve these big goals, we answer questions and interview experts who uncover smart net worth building habits and tools that can help everyone find their own version of financial independence. Learn more at https://www.marriagekidsandmoney.com  HOST BIO:  Andy Hill, AFC® is the award-winning family finance coach behind Marriage Kids and Money - a platform dedicated to helping young families build wealth and happiness.  Andy's advice and personal finance experience have been featured in major media outlets like CNBC, Forbes, MarketWatch, Kiplinger's Personal Finance and NBC News. With millions of downloads and views, Andy's message of family financial empowerment has resonated with listeners, readers and viewers across the world.    When he's not "talking money", Andy enjoys being a soccer Dad, singing karaoke with his wife and relaxing in his hammock. HOW WE MAKE MONEY + DISCLAIMER: This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. CREDITS: Podcast Artwork: Liz Theresa Editor: Podcast Doctors Podcast Support: Nev Maraj Learn more about your ad choices. Visit megaphone.fm/adchoices

Let me know what you think of this topic? Would you like to hear more? Subscriber requests direct this channel, so send me a DM on Instagram with what you think, like and want more of! @SugarMammaTV If you need help with your budget or are sick of living paycheque to paycheque, sign up to the FREE SugarMamma Budget & Cashflow Masterclass here: https://courses.sugarmamma.tv/registration-page Or you can just get started with fixing your budget today by enrolling in The SugarMamma Budget & Cashflow Academy course here: https://courses.sugarmamma.tv/Signup Also, don't forget to register my free Money Mindset & Manifestation Masterclass if you need help with motivation, clarity and support: https://courses.sugarmamma.tv/masterclass Or you can just get started straight away and have me as your accountability coach through the Money Mindset & Manifestation Program here (P.S. It is game changing): https://courses.sugarmamma.tv/join Stay updated & inspired... @SugarMammaTV – Money, budgeting, cashflow, motivation @CannaCampbellofficial – lifestyle, capsule wardrobe fashion, motherhood Tik Tok - https://www.tiktok.com/@sugarmammatv My Best Selling Books! The $1000 Project Book: booktopia.kh4ffx.net/DVqDMj Mindful Money: booktopia.kh4ffx.net/Xxrz5o My YouTube channel - over 500 bite size videos with over 12,000,000 views! https://www.youtube.com/c/SugarMamma www.SugarMammaTV.com  - subscribe to access your FREE Budget Template Also, don't forget about my other podcast channel, "How Do They Afford That?" https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235 ADDITIONAL GENERAL ADVICE WARNING: Whilst we discuss various financial topics, this podcast is not advice in anyway, but purely for educational purposes only. Nothing in this podcast is personal advice, investment advice or product advice. With any major financial decision, you must always do your own research, consider all the pros and cons, fees, caps, limits, costs, taxes etc. Always proactively educate yourself before making any major financial decision, consider your own financial goals, deadlines and risk profile. So please bear all of this in mind when listening to this podcast and please always speak to a Financial Planner when wondering what you should do to achieve your own financial goals and dreams. GENERAL ADVICE WARNING & FINANCIAL PLANNING LICENSE DETAILS: The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product. Canna Campbell is a Corporate Authorised Representative and Corporate Credit Representative of Wealthstream Financial Group Pty Ltd ABN 35 152 803 113 Australian Financial Services Licensee AFSL 412079.See omnystudio.com/listener for privacy information.

Throughout our lifetime, finance plays a huge role—from counting pennies in preschool to making a mortgage payment on a house. Finances can be overwhelming, but with the help of financial literacy tools you can build self-confidence in understanding the concepts of money management, debt prevention, and financial security.   Links: Watch our Budgeting 101 Webinar Watch Financial Freedom: Your Path to Debt Free Living webinar Check out TCU University for more financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   Financial literacy resources overall offer advice to analyze, prioritize, and accomplish your financial goals.  Let us break down why financial literacy is significant today:  Learning Budgets and How to Save Money  Saving money and creating a budget is the starting point in financial literacy. These tools provide a financial picture and explain the process of building a budget so you have a better understanding of how much you earn (income) impacts how much you spend (expenses). From charts to articles, financial literacy resources can provide a budget structure for you to prioritize and track your spending to make sure the budget remains healthy and balanced. Financial literacy resources will also offer suggestions towards important savings such as retirement and developing an emergency fund as well as saving for a bucket list vacation.  If you're new to budgeting and need a little guidance, watch our Budgeting 101 webinar available on our YouTube channel for an overview, explanation, and demonstration of how to work your very first budget.  Understanding Credit, Payments, and Debt Prevention  Once you understand budgeting and saving, you will learn more complex subjects like credit cards and loans. Financial literacy resources provide guidance and tips on various interest rates towards loans, how to make those payments, and avoid or pay off debt. Financial literacy resources apply the prior practices of saving money towards paying off any existing debt.  If you're looking for a practical way to start paying down your debt, watch our Financial Freedom: Your Path to Debt Free Living webinar on our YouTube channel to get a step-by-step presentation on how to structure your very own debt payoff plan.  Recognizing & Protecting Yourself from Fraud  Lastly, financial literacy resources provide alerts regarding constant fraud and detecting suspicious behaviors that come from fraudsters using emails, phone calls, and text messages. Financial articles provide important information on ways to keep your financial accounts safe such as checking your credit report, card transactions, or contacting your financial institution to confirm alerts and messages are from your financial institution and not from those trying to steal your identity. These kinds of communications are not only beneficial for you, but for your financial institution to be aware of these fraudulent attacks and spread the word with their organization and all their members.  Financial literacy tools are educational resources that help you understand how to manage your money, make payments on time, and prevent financial fraud. More than likely, your financial organization provides articles, learning programs, or even games for the younger audience. Financial literacy resources can also provide different calculators to determine certain payments and yearly terms on things such as mortgages, loans, and debt consolidation. These resources advance your financial decisions and provide ease throughout your financial journey.  Triangle Credit Union has dedicated a website for financial education and resources known as TCU University. You will find finance-related blogs, podcasts, YouTube videos, webinars, and events. To learn more about subjects like money management and debt prevention, visit triangleuniversity.org.  If there are any other tips or topics, you'd like us to cover, let us know at tcupodcast@trianglecu.org.  Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and make sure to check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

Have you ever felt trapped in the cycle of endless bills and financial confusion? Join us as we navigate the path to biblical financial freedom, blending time-tested wisdom with actionable steps. We discuss some key takeaways from Kevin's upcoming book and explore the true essence of debt-free living, arguing that money simply amplifies who you already are. Stay with us to the end as we share five transformative books that guided us on our journey to financial success. We hope this episode encourages you on your journey to financial freedom! Subscribe and tell a friend!Visit bekandkev.com today to sign up for our email newsletter.Access our Free health assessment HERE

Ep #73: Recently, I had an unexpected adventure in Colorado that I can't wait to share with you. But more importantly, I want to explain why I'm so passionate about budgeting and helping you become debt-free.So, let me start with our impromptu trip to Colorado. It wasn't planned at all. One day, my friend Cindy called and said she was going to Colorado with our friend Christine. Cindy's dream was to learn RVing. I shared that goal of traveling the country in an RV and enjoying every moment.I had a long to-do list, and the practical side of my brain said, "No, Jen, you can't go. Focus on your tasks and plan a better trip next time." But my other side said, "This is an opportunity to get away." A few weeks earlier, I'd received some shocking news that left me rattled. Life and business have their ups and downs, and as they say, life is 50/50 – half good and half bad. When life throws challenges your way, you sometimes just need to get away.After discussing it with my husband, he encouraged me to take the trip. He reminded me to step out of my daily routine, meet people I'd only known virtually, and be present with them. We went on daily hikes, had outdoor barbecues, and stayed in a beautiful RV surrounded by breathtaking Colorado mountains. The core message of this episode is why I'm so passionate about budgeting and helping you become debt-free. When you have money in the bank and a financial plan, you can embrace spontaneous opportunities like this trip without worrying about credit card limits or debt. Here are some tips to get you started on your own debt-free journey:1. **Create a Budget and Debt Payoff Plan:** I know, creating a budget doesn't sound exciting, but when you put everything down on paper, you'll feel energized. No more mental clutter; you'll have a clear plan. Even if your debt seems overwhelming, at least you'll know how to tackle it and potentially increase your income.2. **Build a Savings Fund:** I love using Ally Bank for this. They let you create multiple savings buckets, each with its own goal. For instance, you can have a Christmas fund, a vacation fund, or a clothing fund. This way, you won't have to rely on credit cards when unexpected expenses pop up.3. **Explore Side Gigs:** Find a side gig that aligns with your interests and passions. For me, mystery shopping was a game-changer. It not only accelerated our debt-free journey but also enhanced our lives. With the extra income, we could enjoy life's little pleasures and make memories without breaking the bank.The message is clear: financial freedom and debt reduction don't mean you have to sacrifice all your joys in life. With a budget, a savings fund, and a side gig, you can live your life to the fullest, embrace unexpected adventures, and confidently make choices that align with your dreams and financial goals.Whether it's a spontaneous trip to Colorado or another opportunity that comes your way, remember that financial planning gives you the freedom to say "yes" without hesitation. Join me on this journey towards financial freedom, and let's make 2023 a year of extraordinary financial choiceYou're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Register here: https://www.budgetdivas.com/fasterMystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

This one money mindset shift has completely changed my finances and that is why I want to share it with all of you! If you are ready to manifest more money without "doing" more work, this is the podcast episode for you! On this solo episode of The NO Bullsh*t Manifestation Show, Kat talks about:Shifting your energy to easily and effortlessly manifest money into your lifeCreating internal abundance so that manifesting money become naturalMoney mindset shifts that will change your finances massivelyCreating a new baseline for your beliefsGetting to the root of a problem in order to create long lasting changeRewiring the subconscious mind to get an ROI on everything in your lifeCreating long lasting, sustainable change in your lifeIf this episode resonated with you, or you know it will help someone else - please share it. Your support of the show is how I can continue to make this show better and better.If you are ready to change your life & finances with the power of intentional manifestation -Join the waitlist for Kat's signature transformational manifestation program: The Abundant AF Babe AcademyFollow Kat's Instagram

Join us for an inspiring journey with Ashley as he transforms from financial hardship during the COVID-19 pandemic to an entrepreneur in the film industry by 2023. Once reliant on credit cards and balance transfers, Ashley's story illustrates how powerful a switch of plan and mindset can be! Today, he owns a successful limited company and enjoys a freelance career in film, and we're thrilled to have him on the Podcast. Referral CodesBe sure to check out this Google Doc which has a whole host of referral codes. https://docs.google.com/document/d/1UeZ9Lq6Tid8uFp2GqzjQEv9riNgTEsdnu4_sGp3O_mM/edit?usp=sharing

On to this week's show! Tim JP Collins is an old friend of ten years or so, one of our most successful clients and has achieved the cash flow goal almost every new investor has when we first meet with them. $100,000 or more passive cash flow per year so they can vacation more, not worry about money, retire their spouse, etc… Tim is back on the show to update us on his journey from high paid, high stress Tech Sales Executive to being debt free, over $10k cash flow per month from his stock portfolio, and being a full Realtor on his terms at REAL Broker. Ever since I've known Tim, he's done things differently. He invested in himself heavily by hiring a coach, getting educated, taking massive action, buying student rentals, several with joint venture partners.  As a Realtor at REAL Broker, it's just him and his admin assistant. No team, no plans to build a team so less moving parts and people to manage.  Tim likes making money and keeping his life simple which I think we all want more of in our lives. He's a father of three boys, husband, debt free living in the lovely Nanaimo, BC, Brazilian Jiu Jitsu white belt and has much to teach us all. If you enjoy the show you'll want to tune in when Tim is our guest speaker at our Tues, October 17th iWIN Meeting. 7:30 pm EST. I've asked Tim to present on how he built his 7 figure bank roll in real estate and what he now invests in to generate that $10,000+ cash flow per month.  He'll also share his experience belonging to REAL Broker including saving money on commission splits and their revenue sharing program.  So save the date! 7:30pm EST, October 17th iWIN Meeting. Online only as Tim will be joining from Nanaimo, BC. Got to love technology! Please enjoy the show!   To follow Tim JP Collins: Instagram: https://www.instagram.com/timjpcollins/?hl=en LinkedIn: https://www.linkedin.com/in/timjpcollins/?originalSubdomain=ca Facebook: https://www.facebook.com/timjpcollins/

How might your approach to budgeting change if you started by prioritizing your goals, instead of thinking about the things you can't have? In this episode, John and David Auten-Schneider (who you might know as The Debt Free Guys) explain how you can build a budget that works for your lifestyle, whether you're doing it on your own or budgeting with a partner. John and David also talk about the biggest financial issues facing LGBTQ Americans, the importance of a prenup, 3 things to focus on when planning your financial future, and much more!Episode Recap: Today we're talking with The Debt Free Guys, John and David Auten-Schneider (1:10) Finding the best city for LGBTQ people in each state (2:19) John and David's journey to becoming The Debt Free Guys (11:02) Debt affects so many more people than we often realize (13:47) What did your tradition from your financial services jobs look like? (17:25) Once your financial life is in order, focus on these 3 things (24:08) What are the biggest financial issues facing LGBTQ people today? (29:26) Marriage is a partnership, and prenups help you have important conversations (35:04) Tips for creating a budget with a partner (39:40) When budgeting, try leading with your goals (43:06) What concerns you most right now? (50:10) How to learn more from David and John (56:47) Resources: Find every episode of the Fiscal Feminist podcast “The Fiscal Feminist” book Best LGBTQ City in Each State podcast “4: The Principles of a Debt-Free Life” book Debt Free Guys Website Queer Money Podcast  Quotes:“With the now 430-some plus anti-LGBTQ+ bills on the floors of state legislatures across the country, according to the ACLU, and Supreme Court Justices saying they specifically want to target marriage equality, a lot of same-sex couples specifically in the community are kind of feeling like we're going back to 2014 or even earlier again, where we had to do this sort of patchwork of legal maneuvering to protect our assets and to protect the person we live with and love.” - John“Money is not a ruler, it's a tool. And it's not a ruler to be used to judge yourself against anyone else. There are amazing, beautiful, wonderful people in this world who make 40 or 50 thousand dollars a year. That doesn't make them any less than the person that's making 4,5,6 hundred thousand dollars a year. Does the outward appearance of their life look different? Absolutely. But there are plenty of ways to enjoy and have an abundant and happy life on a lower amount of money." - David

According to a 2021 study, conducted by Ramsey Solutions, 41% of couples in the US argue about money, primarily due to the amount of debt they owe. If this sounds like your situation, and you want to know how to reach common financial ground with your partner, and qualify to win a $100 VISA gift card don't miss this episode.  Links:  Learn more about our Valentine's podcast giveaway and how to enter to win a $100 VISA gift card. Contest runs from February 14 - February 24, 2023.  Watch our Budgeting 101 webinar Watch our Financial Freedom: Your Path to Debt Free Living webinar Visit triangleuniversity.org to watch webinars, read articles and access financial tools and resources.  Transcript:  This is Money Tip Tuesday from the Making Money Personal Podcast.  Hi everyone! On today's Money Tip Tuesday, we're going to give you some practical advice on how to find common financial ground with your favorite person, but before we start, there's a special announcement for this episode. Since we're releasing this Money Tip on February 14, 2023 (Valentine's Day), we are giving a $100 Triangle Visa gift card to a lucky listener. To qualify, you must be a subscriber to the Making Money Personal podcast and send us an email to tcupodcast@trianglecu.org with a pic of your subscription screen and the promo code. That's it. I'll share that info again at the end of this show. For now, let's talk about that grueling statistic that 41% of couples argue about money in the US, primarily because of debt. Personally, I think that number seems incredibly low but even if that were true, every couple is different—if you argue about money, than here is some tips to help curb those money arguments:  Be Calm & Communicate. – Let's imagine this month is really tight and you just found a receipt for an unexpected purchase on your kitchen counter. How do you handle this situation? Well, I try to put myself into work mode and ask myself: how would I talk to my co-worker about an unexpected matter? I know our work culture fosters an environment of professionalism and respect, so try to apply those same principals at home. Approach your partner about the unexpected expense situation with kindness and respect. Be calm. It's fair to ask some questions about the purchase to dig a little deeper but use a respectful tone. Also ask yourself: was there communication earlier in the month about how tight it was going to be? If not, you may have just uncovered a deeper problem than the latest purchase—you may have discovered a communication problem.   As a couple, if you haven't discussed financial matters before, it's not too late. Just set the right mood, which means you may want to schedule some time with your partner for this, have the right (respectful tone) and talk about money and life. Start a 50,000 foot conversation about financial beliefs and goals and then take it down to 15,000 feet with the specific questions about where you want to live, your job, how can you reduce your cable or streaming services (insert laughter), and other monthly expenses, which leads us to our next tip.  Make a Budget & Share Money Responsibilities – According to a Stress in America survey, only 33% of survey respondents said both partners share an equal role in financial decision-making; only 23% reported that management of household finances is shared equally.  This brings us to your first money responsibility as a couple:  create a monthly budget…together! When couples create a budget, there is weigh in and buy-in…and in the budget process, you're communicating about how much money you have this month, and how it will be spent. If you're new to budgeting, we recommend a zero-based budget and have online tools to explain how this budget works. Sometimes when couples budget, they realize it's not their spending that's the problem, it's their income. Decisions may need to be made about future income opportunities, education and/or if second jobs are needed. These can be very tough discussions but when your problem-solving as a couple, you'll come out ahead every time because you'll be working together.  Pay off Your Debt. – Debt can be stressful, and this is truly one of the main reasons couples argue about money. Just like a budget, it's important to be on the same page for paying off your debt. There is nothing more frustrating than being in a relationship where one person is focusing on paying off debt, and the other person is racking up debt. This breeds frustration and resentment. The most common way to tackle your debt, is the snowball method. We have online tools to show you how to tackle and destroy your debt, so please check those out on our YouTube channel through triangleuniversity.org.   No secrets. – Keeping a secret is stressful enough. Imagine if the secret came with dollar signs. Do yourself a favor and don't hide your money problems from your partner. If you've messed up and racked up credit card debt, it's time to pull up your big person britches and talk about your situation. Strong couples fight problems together. Yes, there may be some struggles and challenges, but put your heads together to find a resolution, and work together to win!  Discuss Dreams. – Far too often couples get in the weeds with their monthly budget and forget to discuss their dreams. Most financial conversations are centered around what needs to be paid this month. Where is the money coming from? Do we have enough for a latte? A thousand scenarios to work out, but put a tack in all those questions and take time just to plan for what your future selves will look like: Where are you going to live? What will you be doing for work? What do you want to do for work? Do you want to travel or are there special hobbies you want to explore?  When my husband and I discussed our dreams for retirement a couple of years ago, he was all about wood working and fishing. Neither of those two things really appealed to me, but the more I thought about it, I was like, “I don't really care about fishing, but I do like to boat” so now we have a common goal to buy a boat within the next few years.  That wraps up our tips for finding financial common ground for couples—I hope you found the key takeaway to be communicate, communicate, communicate.  Now for the fun stuff. I promised to share the promo code for our $100 Triangle VISA gift card raffle, so get ready here it is: P******3 . This is all one word.  Just a reminder on how to enter: you have to be a subscriber to the Making Money Personal podcast and send us an email to tcupodcast@trianglecu.org  with a pic of your subscribe screen and the promo code. That's it. This contest runs February 14th – February 24th 2023 at midnight so make sure you send us your email by the February 24th. For official contest rules, visit Trianglecu.org.  If you have any comments or ideas for additional tips, please email us at tcupodcast@TriangleCU.org. Be sure to follow the Making Money Personal podcast page on Facebook and IG for more great content.  Thank you to our sponsor, Triangle Credit Union, and to you for tuning in!   Have a wonderful day everyone! 

Living in debt is a very stressful situation. Are you in such a predicament? Worry no more! Tune in to this episode as I discuss with you these helpful strategies in paying off your loans and live your life debt-free. For more financial tips, make sure you hit that notification bell to get the latest updates. Hosted on Acast. See acast.com/privacy for more information.

January is a great month for a fresh start. It's the beginning of a new year and we're often optimistic and energized to start making positive changes for our lives. If you're tired of the debt buildup you've been accruing over the months and even years, make one of your resolutions to get out of debt.   Links:  Watch our Budgeting 101 webinar with step by step instructions on how to budget A personal loan can be a great debt consolidation tool Watch our Financial Freedom: Your Path to Debt Free Living webinar  Check out these additional money tips on tools to help organize your finances: Wil's Top 4 Money Apps Creating a Debt Payoff Strategy Popular Financial Books for Your Reading List Follow our Facebook, Instagram and Twitter pages! Learn more about Triangle Credit Union Transcript:  Welcome to Money Tip Tuesday from the Making Money Personal podcast.   New year resolutions are hard. They aren't typically complicated, things like drink more water, exercise more, eat better, are all simple in nature, but a little more difficult to complete.   When it comes to making financial resolutions, the same concepts apply. Decisions to save more, spend less or get out debt don't sound too hard, but are fraught with complex actions that if not set up properly, will likely end in failure.   If decreasing your debt is a resolution this year, you must set some things up right to give yourself the best chance of success.   When you think about achieving your debt reduction resolution, most of it comes down to proper planning. You need to create a strategy and stick with it. Just saying “I want to pay off my debt” isn't enough to carry you through to completion. You need to pick a debt payoff method and develop a realistic plan that's effective enough to help you meet your goal.   There's a lot of debt advice out there and most of what you read, watch or listen to will present these three effective strategies to pay down debt.   The first is to plan to pay more than the minimum payments. You're going to have to budget for this one if you're serious about getting out of debt. Find a way to either bring in more money, or free up cash by cutting spending elsewhere to use as extra payments towards your debts. Some people try to make extra payments once a month, quarter or year, depending on their budget and the type of debt they have. One of my friends has been making extra payments on her home every quarter since she had her mortgage and is now set to pay off her house five years earlier than expected because of it. Imagine doing that with your own mortgage or credit cards.   The second is to use the snowball method. If you have multiple debts, you'll want to systematically pay off your lowest debt first, and then, once it's paid off, use the available cash to put towards the next debt, and so on. You'll do this until all debts are eliminated.   For example, say you have three credit cards with balances of $5,000, $2,000 and $800. While you continue to pay your minimum payments on all of them, focus on paying off the $800 bill first. After it's paid, take the money you were putting toward that payment and put towards the next debt, in this case the $2,000. Once the $2,000 is paid off, then put the money from those payments towards the $5,000. This method has been shown to be one of the most effective and faster ways of paying off debt.   The third is to consolidate. Having a variety of different debts can be confusing. It can be hard to keep track of all the different due dates and payments for each bill. Consolidation can help you in a couple of different ways. It will simplify the number of bills you receive and can often score you a lower interest rate. If you have many different bills, try consolidating some or all of them into a plan that makes it easier for you to pay and has the potential to save you money in the long run. Contact your financial institution or browse the internet to see what kinds of consolidation offers are out there.    If you're a good planner pick one of these or use a combination of all three to build your debt payoff strategy.   Answer these specific questions when you create your strategy to keep it realistic and attainable. How much debt do I need to pay off? How soon do I realistically expect to be able to pay it all off?  be specific here. Choose a realistic timeframe, like 6 months, a year or two years. And finally, ask yourself How much extra can I afford to put towards my principal payments?   The cool thing is there are a wide variety of tools available now to help with debt reduction. You can research a bunch of helpful apps and we've done some Money Tip Tuesdays in the past presenting some helpful tools for saving and debt reduction. You can also watch webinars like Triangle's Financial Freedom: Your Path to Debt Free Living webinar on YouTube and of course, there are a wide variety of books you can read about debt reduction planning.   Once you've determined your plan, keep track of it. Put it in a spreadsheet, on your bathroom mirror or in your calendar to keep a constant eye on it. Consider allowing yourself small rewards for meeting important milestones along your journey and plan to treat yourself to something special once you finally accomplish your goal.   As the philosopher Aristotle once said, “success is easy to achieve once you set your mind on a specific goal.” Keep your goal top of mind and with a realistic, solid plan in place, you will be crossing that finish line in no time.  If there are any other tips or topics, you'd like us to cover, let us know at tcupodcast@trianglecu.org.  Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and be sure to check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

To keep myself motivated, I need a goal or a reason to save. If you find yourself stocking away money, but you're not sure why, let's attach some goals to that savings. Here are 7 savings goals for you to create a happier today and tomorrow. Also, Justine Nelson from the popular Debt Free Millennials YouTube Channel shares how she paid off her debt AND then became a HALF MILLIONAIRE! Last, but not least, my son Calvin is back for another Good Word! RESOURCES Want to make your kid a millionaire? Learn more about my course! https://www.marriagekidsandmoney.com/course Justine Nelson (Website): https://debtfreemillennials.com  GUEST BIO - Justine Nelson Justine Nelson is the face and founder of Debt Free Millennials, a website and YouTube channel helping overwhelmed millennials improve their money situation without giving up the avocado toast. Justine was named a “YouTuber to watch” in Forbes for her simple, actionable financial tips, exploring debt, saving, and budgeting. She paid off $35,000 in student loan debt in two and a half years on a $37,000 salary. Now she's teaching other millennials how to crush debt and live payment free. When she's not in front of the camera, Justine loves exploring San Diego with her husband and baby girl. She's often found in the kitchen, perfecting her abuela's Puerto Rican Spanish rice. OTHER EPISODES YOU MIGHT LIKE Family Wealth and Happiness: 10 Steps to a Better Tomorrow (Today) Inflation Up, Stocks Down. What Should I Do?  50% to 10%: Why We're Happy Saving Less in FIRE Journey MKM RESOURCES MKM Coaching: Request a free 15-minute consultation today YouTube: Subscribe for free to watch videos of these episodes and interviews Instagram: Follow our IG channel Voicemail: Leave your question or comments here  Merch Store: Check out our t-shirts, hoodies, and coffee mugs! SHOW INFORMATION: Marriage Kids and Money Marriage Kids and Money is dedicated to helping young families build wealth and happiness. This award-winning platform helps couples and parents achieve financial independence and discover the true meaning of wealth.  To achieve these big goals, we answer questions and interview experts who uncover smart net worth building habits and tools that can help everyone find their own version of financial independence. Learn more at https://www.marriagekidsandmoney.com HOST BIO: Andy Hill Andy Hill is the award-winning family finance coach behind Marriage Kids and Money - a platform dedicated to helping young families build wealth and happiness.  Andy's advice and personal finance experience have been featured in major media outlets like CNBC, Forbes, MarketWatch, Kiplinger's Personal Finance and NBC News. With millions of downloads and views, Andy's message of family financial empowerment has resonated with listeners, readers and viewers across the world.    When he's not "talking money", Andy enjoys being a soccer Dad, singing karaoke with his wife and watching Marvel movies. DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. CREDITS Research & Writing: Andy Hill Podcast Artwork: Liz Theresa Editor: Podcast Doctors Learn more about your ad choices. Visit megaphone.fm/adchoices

To keep myself motivated, I need a goal or a reason to save. If you find yourself stocking away money, but you're not sure why, let's attach some goals to that savings. Here are 7 savings goals for you to create a happier today and tomorrow. Also, Justine Nelson from the popular Debt Free Millennials YouTube Channel shares how she paid off her debt AND then became a HALF MILLIONAIRE! Last, but not least, my son Calvin is back for another Good Word! RESOURCES Want to make your kid a millionaire? Learn more about my course! https://www.marriagekidsandmoney.com/course Justine Nelson (Website): https://debtfreemillennials.com  GUEST BIO - Justine Nelson Justine Nelson is the face and founder of Debt Free Millennials, a website and YouTube channel helping overwhelmed millennials improve their money situation without giving up the avocado toast. Justine was named a “YouTuber to watch” in Forbes for her simple, actionable financial tips, exploring debt, saving, and budgeting. She paid off $35,000 in student loan debt in two and a half years on a $37,000 salary. Now she's teaching other millennials how to crush debt and live payment free. When she's not in front of the camera, Justine loves exploring San Diego with her husband and baby girl. She's often found in the kitchen, perfecting her abuela's Puerto Rican Spanish rice. OTHER EPISODES YOU MIGHT LIKE Family Wealth and Happiness:  10 Steps to a Better Tomorrow (Today) Inflation Up, Stocks Down. What Should I Do?  50% to 10%:  Why We're Happy Saving Less in FIRE Journey MKM RESOURCES MKM Coaching:  Request a free 15-minute consultation today YouTube:  Subscribe for free to watch videos of these episodes and interviews Instagram:  Follow our IG channel Voicemail:  Leave your question or comments here  Merch Store:  Check out our t-shirts, hoodies, and coffee mugs! SHOW INFORMATION:  Marriage Kids and Money Marriage Kids and Money is dedicated to helping young families build wealth and happiness. This award-winning platform helps couples and parents achieve financial independence and discover the true meaning of wealth.  To achieve these big goals, we answer questions and interview experts who uncover smart net worth building habits and tools that can help everyone find their own version of financial independence. Learn more at https://www.marriagekidsandmoney.com HOST BIO:  Andy Hill Andy Hill is the award-winning family finance coach behind Marriage Kids and Money - a platform dedicated to helping young families build wealth and happiness.  Andy's advice and personal finance experience have been featured in major media outlets like CNBC, Forbes, MarketWatch, Kiplinger's Personal Finance and NBC News. With millions of downloads and views, Andy's message of family financial empowerment has resonated with listeners, readers and viewers across the world.    When he's not "talking money", Andy enjoys being a soccer Dad, singing karaoke with his wife and watching Marvel movies. DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. CREDITS Research & Writing:  Andy Hill Podcast Artwork: Liz Theresa Editor: Podcast Doctors

Jason Schaller is a cybersecurity professional and firearms content creator that believes in being prepared for what life might throw you. Like many Americans, Jason lived a life of continual debt that he learned from his parents. However, he and … Continue reading →

Navigating money after divorce? Cat Collins, a financial expert and recently divorced Mom of two is here to help you thrive financially. Also, Ashley Patrick from North Carolina shares how she paid off $47,000 of debt in under 2 years!  Finally, Calvin is sharing the Good Word by revealing three MKM Annual Survey participants who won a $50 Amazon Gift Card! SPONSORS Personal Capital:  Get access to FREE financial tools that help you invest more efficiently and build wealth for your family. Click the link for more details on the $50 Amazon Gift Card promo! My Life in a Book: A keepsake book for your older loved ones! To save $10 off your first purchase, use discount code "MKM". RESOURCES Cat Collins (Website):  https://www.momsgotmoney.com  Ashley Patrick (Website):  https://www.budgetsmadeeasy.com  Big Tip Tuesday:  The Details of how it works and where to share your kindness! GUEST BIO - Cat Collins Cat Collins is a nationally recognized financial educator and the author of Moms Got Money, a millennial Mom's guide to managing money like a boss.  When she's not helping Moms win with their money, she enjoys spending time with her boy/girl twins and their rescue dog named Julep. GUEST BIO - Ashley Patrick Ashley Patrick, personal finance expert, and founder of Budgets Made Easy. She helps families eliminate debt using simple strategies so they can stress less and live the life they want. She was able to pay off $45,000 in just 17 months including $25,000 in student loans in just 10 months. Ashley is a Ramsey Solutions Master Financial Coach and helps people like you manage their budgets so they can live the life they want.  OTHER EPISODES YOU MIGHT LIKE Family Wealth and Happiness:  10 Steps to a Better Tomorrow (Today) Inflation Up, Stocks Down. What Should I Do?  50% to 10%:  Why We're Happy Saving Less in FIRE Journey MKM RESOURCES MKM Coaching:  Request a free 15-minute consultation today YouTube:  Subscribe for free to watch videos of these episodes and interviews Instagram:  Follow our IG channel Voicemail:  Leave your question or comments here  Merch Store:  Check out our t-shirts, hoodies, and coffee mugs! SHOW INFORMATION:  Marriage Kids and Money Marriage Kids and Money is dedicated to helping young families build wealth and happiness. This award-winning platform helps couples and parents achieve financial independence and discover the true meaning of wealth.  To achieve these big goals, we answer questions and interview experts who uncover smart net worth building habits and tools that can help everyone find their own version of financial independence. Learn more at https://www.marriagekidsandmoney.com HOST BIO:  Andy Hill Andy Hill is the award-winning family finance coach behind Marriage Kids and Money - a platform dedicated to helping young families build wealth and happiness.  Andy's advice and personal finance experience have been featured in major media outlets like CNBC, Forbes, MarketWatch, Kiplinger's Personal Finance and NBC News. With millions of downloads and views, Andy's message of family financial empowerment has resonated with listeners, readers and viewers across the world.    When he's not "talking money", Andy enjoys being a soccer Dad, singing karaoke with his wife and watching Marvel movies. DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. CREDITS Research & Writing:  Andy Hill Podcast Artwork: Liz Theresa Editor: Podcast Doctors

The Bible doesn't speak of debt as a sin only that we should avoid it. While some types of credit are better than others, some should be avoided like the plague. We'll talk about them with Howard Dayton today on MoneyWise Howard Dayton is the founder of Compass Finances God's Way. In his book Free and Clear: God's Road Map to Debt Free Living, Howard has a chapter called Credit To Avoid. It lists several examples: CREDIT TO AVOID 1. Finance companies: Their interest rates are generally sky-high and may run as high as the prime rate plus 10 percent. People use these companies because their credit isn't good enough to work with conventional lenders, and, in most cases, they're desperate for cash. Finance companies that deal primarily in debt-consolidation loans charge enormous fees and closing costs. Pay attention to the difference between the interest rate offered and the annual percentage rate (APR). Closing costs on a conventional mortgage might increase the APR by half a percent. Any increase greater than that should send a clear signal: Stay away! Finance companies are also notorious for their lack of cooperation when payments are late. They're much quicker than conventional lenders to turn the loan over to collections. 2. Payday loans: Also known as "payroll advances" or "deferred deposits." These are very short term loans of $100 to $500 against your paycheck. The Federal Trade Commission warns that the typical APR on payday loans is 391 percent! Imagine borrowing $300 for two months and then owing almost $500. That's a legal form of robbery! The horrendous interest and late fees traps people into making one payday loan after another. These lenders make so much money they don't want anyone to escape. Amazingly, 91% of their business comes from people desperate enough to make five or more of these loans per year. 3. Pawn shop loans: These are short-term loans secured by a piece of property or item of value that's sold if the loan isn't paid on time. Interest rates range from 2% to 25% per month, depending on the laws of the state. Many people who take out pawnshop loans never recover the property they pawned for cash. At times, people get in such desperate situations they end up pawning valuable property that they'll likely never see again. 4. Auto title loans: These loans are usually for thirty days and are secured by a car title. An individual can borrow cash based on the value of his or her car. The high interest rates are not the biggest downside of a title loan, however. If the borrower fails to make the loan payment on time, the lender can repossess the vehicle. One consumer advocate said, "Car title loans are really legalized car theft because you lose the entire car equity no matter what the loan amount is." 5. Tax-refund loans: This is another type of quick-fix loan related to your tax refund. Millions of people look forward to April 15 each year because they're getting a tax refund and need the check from Uncle Sam. Some are so cash-strapped they can't wait for the IRS refund, so they get a tax-refund loan instead. Many tax preparers offer this service for a fee. What they neglect to tell their clients is that the interest rate they pay can run well into the triple figures on an annualized basis. And finally 6. Lending money to Uncle Sam interest free: Many people don't realize it, but that's what a big tax refund is! You've loaned your money to the federal government, and now they're returning it to you without interest. If you receive a big tax return, adjust your withholdings to come as close to a zero refund next year as possible. On today's program, Rob also answers listener questions: ● How do you go about starting a Roth IRA? ● How should you go about finding the right financial guidance as you near retirement? ● Is it biblical to claim your tithes as a write-off on your taxes? ● Is it wise to pay off your mortgage early? RESOURCES MENTIONED: ● Betterment ● Wealthfront ● Schwab Intelligent Portfolios ● Vanguard digital adviser ● Find a Certified Kingdom Advisor Remember, you can call in to ask your questions most days at (800) 525-7000 or email them to Questions@MoneyWise.org. Also, visit our website at MoneyWise.org where you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

The Bible doesn't speak of debt as a sin only that we should avoid it. While some types of credit are better than others, some should be avoided like the plague. We'll talk about them with Howard Dayton today on MoneyWise Howard Dayton is the founder of Compass Finances God's Way. In his book Free and Clear: God's Road Map to Debt Free Living, Howard has a chapter called Credit To Avoid. It lists several examples: CREDIT TO AVOID 1. Finance companies: Their interest rates are generally sky-high and may run as high as the prime rate plus 10 percent. People use these companies because their credit isn't good enough to work with conventional lenders, and, in most cases, they're desperate for cash. Finance companies that deal primarily in debt-consolidation loans charge enormous fees and closing costs. Pay attention to the difference between the interest rate offered and the annual percentage rate (APR). Closing costs on a conventional mortgage might increase the APR by half a percent. Any increase greater than that should send a clear signal: Stay away! Finance companies are also notorious for their lack of cooperation when payments are late. They're much quicker than conventional lenders to turn the loan over to collections. 2. Payday loans: Also known as "payroll advances" or "deferred deposits." These are very short term loans of $100 to $500 against your paycheck. The Federal Trade Commission warns that the typical APR on payday loans is 391 percent! Imagine borrowing $300 for two months and then owing almost $500. That's a legal form of robbery! The horrendous interest and late fees traps people into making one payday loan after another. These lenders make so much money they don't want anyone to escape. Amazingly, 91% of their business comes from people desperate enough to make five or more of these loans per year. 3. Pawn shop loans: These are short-term loans secured by a piece of property or item of value that's sold if the loan isn't paid on time. Interest rates range from 2% to 25% per month, depending on the laws of the state. Many people who take out pawnshop loans never recover the property they pawned for cash. At times, people get in such desperate situations they end up pawning valuable property that they'll likely never see again. 4. Auto title loans: These loans are usually for thirty days and are secured by a car title. An individual can borrow cash based on the value of his or her car. The high interest rates are not the biggest downside of a title loan, however. If the borrower fails to make the loan payment on time, the lender can repossess the vehicle. One consumer advocate said, "Car title loans are really legalized car theft because you lose the entire car equity no matter what the loan amount is." 5. Tax-refund loans: This is another type of quick-fix loan related to your tax refund. Millions of people look forward to April 15 each year because they're getting a tax refund and need the check from Uncle Sam. Some are so cash-strapped they can't wait for the IRS refund, so they get a tax-refund loan instead. Many tax preparers offer this service for a fee. What they neglect to tell their clients is that the interest rate they pay can run well into the triple figures on an annualized basis. And finally 6. Lending money to Uncle Sam interest free: Many people don't realize it, but that's what a big tax refund is! You've loaned your money to the federal government, and now they're returning it to you without interest. If you receive a big tax return, adjust your withholdings to come as close to a zero refund next year as possible. On today's program, Rob also answers listener questions: ● How do you go about starting a Roth IRA? ● How should you go about finding the right financial guidance as you near retirement? ● Is it biblical to claim your tithes as a write-off on your taxes? ● Is it wise to pay off your mortgage early? RESOURCES MENTIONED: ● Betterment ● Wealthfront ● Schwab Intelligent Portfolios ● Vanguard digital adviser ● Find a Certified Kingdom Advisor Remember, you can call in to ask your questions most days at (800) 525-7000 or email them to Questions@MoneyWise.org. Also, visit our website at MoneyWise.org where you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

It's the season of love and what better time to discuss couples and money then this month! In this episode, Terri, Liz and Wil go through how they and their spouses handle finances at home and offer some personal tips and tricks that you can use to enhance the financial condition in your own relationship! The contest mentioned in the episode has expired. Be sure to subscribe and listen to new episodes for more opportunities to win prizes. Learn more about budgeting with our Budgeting 101 webinar Gain tips on how to get out of debt with our Financial Freedom: Your Path to Debt Free Living webinar. Learn more about the Every Dollar app Like what you heard? Go ahead and share on your social media! Visit trianglecu.org to learn more about how we can serve you and don't forget to follow us on Facebook and Twitter!  

Did you know that Jesus spoke more about money and possessions than almost any topic?  More than heaven and hell combined?  If your personal finance life was a puzzle, and you dumped out all the pieces, you'd want to start with the corner points, in order to get some structure of where to go and something to build on to.  I recently had the privilege of preaching at the Winnipeg Church of Christ (https://wcoc.ca/), and in this sermon, I present what I would call "the four corners" of this puzzle from a biblical point of view.   I hope you enjoy it!Text PODCAST to 204-813-6133 to leave a voicemail with feedback on the show, or with a question that you'd like answered on a future episode!

Are your finances stressing you out? Financial stress is simply awful—it's an emotional weight that impacts your physical and mental well-being. In this tip, we talk about some strategies that will decrease financial stress in your life. Watch Triangle's Budgeting 101 Webinar on YouTube Watch Triangle's Financial Freedom: Your Path to Debt Free Living on YouTube Like what you heard? Go ahead and share on your social media! Visit trianglecu.org to learn more about how we can serve you and don't forget to follow us on Facebook and Twitter!

Money is one of the topics couples tend to argue about frequently. The good news is, there are ways couples can approach working out their finances together without fighting about it.  Watch Triangle's Budgeting 101 webinar: https://youtu.be/B_4i4LFnR4E Watch the Financial Freedom: Your Path to Debt Free Living webinar: https://youtu.be/KTbtWMYdnk0 Get started with a joint account:https://www.trianglecu.org/home/personal Financial Planning Services can help! Learn how Triangle Financial Group can help you and your partner get on track: https://www.trianglefinancialgroup.com/ Like what you heard? Go ahead and share on your social media! Visit trianglecu.org to learn more about how we can serve you and don't forget to follow us on Facebook and Twitter!

Happy Financial Freedom Friday and  welcome to the 800+ Financial Freedom Podcast. I am your host Financial Life Coach Selena G. Thank You for joining along with me as we discuss The Benefits Of Debt Free Living.Have you had enough of stressing over a budget stretched paper-thin by loan repayments, fees, and interests?  How about the dread you feel when your phone rings and payment is due?Don't give up your life will be better if you're able to free yourself from the iron shackles of debts.Today, I am going to go over the benefits of debt free living.1.) You'll have most of your money for yourself 2.) Improved credit score3.) Precarious Living 4.) Reduced Stress Level and Better Health**Don't forget to go on Amazon to purchase my new book " The Ultimate Guide and Tips Towards Financial Freedom". My book is filled with all the tools and resources you would need to take you to the next level financially. I am so glad that you have tune in to the 800+ Financial Freedom Podcast. Share it with your family and friends and leave a review. And always remember. 800 It's not a number, It's financial freedom. Be Bless!www.selenagibbons.com

In order to live a debt-free life, we must set up a financial game plan based on God's Word. King Solomon wrote the words. “Good planning and hard work lead to prosperity, but hasty shortcuts lead to poverty.” We must stay focused on being debt-free in order to experience it. The small things like setting up a budget will bring the greater goal of living debt-free. It will take hard work, staying focused but the results will be to lead a debt-free Quality Christian Life.

This week I touch lightly on Dave Ramsey's 7 baby steps to a debt free life. Cryptocurrency was the best performing asset class of 2019, when are you going to get in the game? I do my best Bob Dylan impression - Rainy Day Women song parody opener. Just a few more shows before we morph into the expanded Dana Crypto show with a new time slot starting January 4th.

Pastor Rawls teaches about 5 of the 10 commandments of living debt free.

What does it mean to have creative freedom in your life? And what's more, how do you get it? Our guest shows us how he and his family followed a surprising path to creative freedom, and how he is helping others do the same. His name is Jared Latigo, and he is a personal development consultant who works with individuals, families, and companies in corporate settings. Jared's writing has reached millions of readers through various online publications such as Addicted2Success, ThriveGlobal, MichaelHyatt.com, 48Days, ProBlogger, and Lifehack. He has also been able to work with companies like Stetson, Mountain Dew, Pier 1 Imports, and more. Jared shares the journey he and his family took to becoming debt-free, and how it has allowed him to pursue a whole new path in life. You'll learn why it's important to have freedom in your life, all about the connection between creativity and being debt-free, how managing your money well sets you up for success as an entrepreneur, and so much more. Highlights & Key Takeaways 1. Financial wellness is a stewardship issue. It is easy to view our money as its own little “box” in our lives, but it's intimately connected to every other area, including our creative work. Ultimately, it's a matter of being a good steward or manager of what God has entrusted to us. 2. Getting out of debt can have a major impact on your ability to be creative and serve others. I asked Jared to come on the show because I wanted to explore the connection between debt and creativity, and he delivered! Jared laid out in clear detail how becoming debt-free has helped reduce stress and expand his family's ability to explore new directions. It has also given him the freedom to try things that might now work. 3. The importance of having freedom in your life. We don't often realize how much we are “shackled” to things that weigh us down and hold us back from achieving our dreams. It might be debt, a job you hate, or even a bad relationship. When you are free, you are able to do the things you want and start fulfilling the dreams God has for your life. 4. Getting control of your finances helps you be a better entrepreneur. Something we think, “If only I had a better job or more opportunities, then I could achieve my dreams.” But the reality is that our dreams begin right here, right now with what we have in the moment. Becoming a better manager of our resources, and being a better employee, will help us develop the skills to apply to our entrepreneurial efforts later on. 5. Develop an entrepreneurial mindset in your job. I love how Jared emphasized how we can think like an entrepreneur even while employed by someone else. If fact, that's how we should think. We should be constantly finding ways to add value to our employer and make our organization more profitable and successful. It's not only more fun to think this way, it's also a great way to prove your value to leaders above you. 6. You can quickly generate income. Jared mentioned several ways to generate income quickly: selling things you already have, getting a 2nd job, or taking on extra hours at work. Can you do any of these things to generate some income in the next month? Resources Mentioned in This Episode JaredLatigo.com Connect with Jared on Facebook Connect with Jared on LinkedIn Follow Jared on Twitter Latigo Life YouTube channel Thanks so much for listening! If you enjoyed this episode, please subscribe to the “Born to Create” podcast. I'd also appreciate it if you can rate and review the show. Apple Podcasts For more great resources to help unleash your creative powers, visit my site at KentSanders.net. Want to rise to your true creative potential? Check out my book The Artist's Suitcase: 26 Essentials for the Creative Journey. Connect with me on social media: LinkedIn Facebook Twitter Instagram

You're invited to listen to the bold, life-giving messages from Bishop Foreman, pastor of Harvest Church, one church in global locations. Find out more about Harvest Church at www.harvestchurch.church

You're invited to listen to the bold, life-giving messages from Bishop Foreman, pastor of Harvest Church, one church in global locations. Find out more about Harvest Church at www.harvestchurch.church

A published author, full time blogger, and entrepreneur; Ryan Mitchell has been building exciting things all his life. His entrepreneurial ventures have been featured in the New York Times, Fast Company, Forbes, Associated Press, and many other outlets. In 2009 … Continue reading →