Podcasts about debt payoff

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In this episode, Aqura breaks down the 3 most common debt payoff shortcuts that backfire every single time. If you're someone who is eager to get out of debt quickly but keeps finding yourself back in the same cycle, this episode is for you.You'll learn why waiting on a windfall, draining your savings or retirement, and relying on balance transfers or consolidation won't give you lasting results—and what to focus on instead to finally become consumer debt free for good.To learn more about 1:1 money coaching with Aqura ⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠. You will find all the details about money coaching, who it's for, what you will achieve and how to book a sales call to start working together.⁠Subscribe to Surplus Living⁠ to have financial peace that outlasts payday. Make surplus living your new normal, so you can have up to $5,000 left over every month and keep it long after payday.Follow Aqura on Instagram

When was the last time you actually looked at where your money went last month? Not just glanced at your bank balance, but really examined where every dollar went and why?Most of us are running on financial autopilot, making money decisions based on how we feel in the moment or what seems urgent. But we never step back to see the bigger picture.If you're tired of wondering where your money goes every month, this episode is your wake-up call.You'll discover:What a money reset actually is (and why it's not about shame or judgment)The Money Chaos Cycle that keeps smart women feeling broke despite good incomeWhy the fear of looking at your money is always worse than actually lookingWhat happens when you finally get real awareness of your spending patternsPlus, I'm sharing details about my FREE 3-Day Money Reset Challenge starting September 23rd in The Debt Payoff for Women Community Facebook group.Three days, pen and paper, and the kind of financial clarity that changes everything.Ready to break the Money Chaos Cycle? Let's reset together.Join the 3-Day Money Reset Challenge: Search "The Debt Payoff for Women Community" on Facebook and request to join!Join the 3-Day Money Reset Challenge here: https://www.katyalmstrom.com/challenge Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/debtpayoffforwomen

In this episode of The Liquidity Event, AJ and Shane return from the Future Proof Wealth Management Festival with stories of Weezer, Bush, and the perils of leaving conferences too early. They dig into a New York Times article about using ChatGPT to tackle credit card debt, from spreadsheets to selling watermelons, and debate whether AI is democratizing financial advice or just creating quirky side hustles. The duo also unpack the harsh realities of sudden windfalls, from Powerball winners to stock concentration, and field a listener question about holding too much employer equity in retirement. Along the way, AJ champions late-night networking, Shane shouts out his accountability coach, and both remind us: diversify, diversify, diversify. Timestamps (00:34) Intro – Ally Jane Ayers and Shane Mason kick off Episode 158. (01:18) Ally's “radio host” voice and Shane's zen brain. (02:12) Shoutout to Sherry Mason Real Estate in Cape Coral, FL. (03:22) Segues gone wrong and the Future Proof conference in Huntington Beach. (05:17) Conference quirks – Weezer, Third Eye Blind, Blues Traveler, and Bush. (07:02) Why AJ always leaves early and Shane always stays late. (09:13) Conference strategy – accountability coaches, goals, and nighttime networking. (12:04) “Your soulmate is at the afters” and why happy hours matter. (12:34) NYT article – using ChatGPT for financial advice and debt payoff. (14:37) Success stories – spreadsheets, budgeting, plasma donations, and almost selling feet pics. (16:06) Access and immediacy – why AI fills a gap financial advisors can't. (17:38) Reflections on Brooklyn FI's early late-night client meetings. (18:46) Lottery winners and hard lessons ahead of the $1.8B Powerball. (20:50) Quick Picks vs. lucky numbers – let the computer decide. (22:40) AJ's advice for sudden money windfalls – spend 1% and get a care team. (23:59) Shane's fantasy purchases: boat or flashy watch. (24:41) Building your financial “care team” for long-term stability. (25:35) Listener question – is 50% in one stock too much? (27:23) The risks of concentration and why diversification matters. (28:34) AJ's plan: sell 25% now, the rest over three years, or gift it. (30:20) Imagining being the kids of parents who “don't care” about millions. (30:41) Closing – diversify, send us your financial questions, or just post them on Reddit.

Get social with me: Instagram: @whitney_hansen_co Tiktok: @whitneyhansen10 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Are you buried in debt and can't seem to gain momentum? Discover the powerful method backed by science and endorsed by financial experts: the Debt Snowball Method. In this episode, we break down why paying off your smallest debts first — even if it's not mathematically optimal — is the most effective strategy to finally eliminate debt.With insights from Dave Ramsey's proven 7 Baby Steps and groundbreaking research from Northwestern University's Kellogg School of Management, we unpack how small victories build massive momentum. You'll learn the psychology of motivation, compare Debt Snowball vs. Avalanche, and get a step-by-step blueprint to crush your debt — starting today.Subscribe to the channel for more empowering content on personal finance, investing, and self-improvement. Don't miss out on the opportunity to unlock your true financial potential and live a life of abundance. It's time to invest in yourself and create the future you deserve!**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#DebtSnowball #DebtFreeJourney #DebtPayoff #PayOffDebt #DaveRamsey #SnowballMethod #CrushDebt #DebtFree #Budgeting #PersonalFinance #FinancialFreedom #MoneyMindset #FinancialLiteracy #MoneyMotivation #SmartMoneyMove

Summer doesn't have to be a budget buster, but most people fall into the same expensive traps every year. They start with good intentions, say yes to everything without a plan, and then avoid looking at their bank account until fall hits with back-to-school stress. Sound familiar? In this episode, I'm sharing our family's real approach to enjoying summer without going broke - and it's way simpler than you think.You'll learn:The year-long planning strategy that makes summer expenses feel manageableHow to create the "summer activities list" that keeps costs low and fun highWhy most summer magic is actually free (and how to lean into that)The scheduling trick that spreads out bigger expenses without the guiltHow to avoid the dangerous summer money avoidance spiralWhat to do right now if you're already feeling behindStop thinking you need to spend your way to a good summer. I'll show you how slowing down and being intentional creates better memories than any expensive activity ever could.Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Feeling stuck in the same money patterns you started 2025 with? Like you're going through the motions but not making real progress? You're not alone. This week I ran a special mid-year workshop for my Moneywise clients and waitlist members, and what happened was so powerful I had to bring it to the podcast.You'll learn:How to identify the hidden money pattern that's been secretly running your financial lifeThe December 2025 vision exercise that creates clarity instantlyWhy your money emotions matter more than your budgetThe ONE decision framework that bridges where you are to where you want to beHow to turn "inevitable" financial progress instead of hoping and wishingInstead of typical goal-setting that never sticks, this episode goes deep on rewriting the money stories that have been holding you back. If you've been spinning your wheels financially and want your second half of 2025 to feel completely different, this reset will show you exactly how to make it happen.Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

In this episode of Boldin Your Money, Steve Chen talks with Andy Hill, creator of Marriage, Kids and Money, about Andy's journey from having a negative net worth to achieving financial independence through intentional saving, living on one income, and aligning money decisions with family goals. Andy shares how reaching “Coast FI” allowed his family to work less and enjoy life more, the importance of early financial conversations with a partner, and his strategies for teaching kids about money by making it a regular, open topic. He also reflects on how purposeful time use can lead to a happier, healthier life and discusses his upcoming book Own Your Time, which helps parents build financial security while prioritizing family.

Ellyce Fulmore, Canadian Queer and neurodivergent financial educator, joins the Journey to Launch podcast to talk about how she paid off high interest debt, ADHD and money, and her new book, “Keeping Finance Personal.”  Ellyce is a full-time content creator and founder of Queerd Co., a financial literacy company. Her approach to finance goes beyond the conventional, focusing on the intersectionality of identities and lived experiences.  We also discuss the importance of understanding how dopamine operates in your neurodivergent brain, ADHD hacks to get better with money, what “Momentum Surfing” is, and how to figure out (and stick to) a budget process that works best for you. In this episode you'll learn more about: Challenges people with neurodivergence experience with finance + how they can become better at money management The strategy behind Ellyce paying off debt and investing while on an inconsistent income Why becoming debt free isn't “the ultimate” goal for everyone  Celebrating people's differences, the validity of self diagnosis, sticker boards + more Check out the video to this episode on YouTube here.  Other Links Mentioned in episode: Dopamenu with How to ADHD + Eric Tivers Apply to Share Your Journeyer Story here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here!  Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with Ellyce: Website: QueerdCo.com  Instagram:@Ellyce.Fulmore Tik Tok:@QueerD.Co Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Get The Free Jumpstart Guide  

⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm  

Subscribe to Simplify My Money:https://www.debtfreedad.com/newsletters/simplify-my-money Feeling overwhelmed by money? You're not alone! Join Brad Nelson, founder of Debt Free Dad, as he welcomes Tara Mean, who shares her journey of saving and paying off tens of thousands of dollars. Discover how mindset shifts, motivation, and practical steps can lead to financial freedom. Tara shares the challenges she faced and the strategies she used to turn her financial life around, including getting her family on board and celebrating progress along the way. Tune in for an inspiring conversation about overcoming debt and achieving financial peace. Support the showThe Totally Awesome Debt Freedom Planner https://www.debtfreedad.com/planner Connect With Brad Website- https://www.debtfreedad.com Facebook - https://www.facebook.com/thedebtfreedad Private Facebook Group - https://www.facebook.com/groups/debtfreedad Instagram - https://www.instagram.com/debtfreedad/ TikTok - https://www.tiktok.com/@debt_free_dad YouTube - https://www.youtube.com/@bradnelson-debtfreedad2751/featured Thanks For Listening Like what you hear? Please, subscribe on the platform you listen to most: Apple Podcasts, iHeartRadio, Spotify, Tune-In, Stitcher, YouTube Music, YouTube We LOVE feedback, and also helps us grow our podcast! Please leave us an honest review in Apple Podcasts, we read every single one. Is there someone that you think would benefit from the Debt Free Dad podcast? Please, share this episode with them on your favorite social network!

In this episode of The Jack Bosch Show, Chris Miles, the "Anti-Financial Advisor," shares why traditional financial advice fails so many people — and what to do instead. Chris breaks down how to free up hidden cash flow, eliminate debt strategically, and create financial freedom faster using methods like his "Cash Flow Index" and smart infinite banking strategies. We cover real-world tips to get lean, stay liquid, and start building true passive income. Learn more about Chris at MoneyRipples.com and check out the Money Ripples Podcast for even more insights! ---

Got student loan questions weighing on you? You're definitely not alone. This week, we're opening up the Student Loan Planner mailbag to tackle some of the most pressing issues borrowers are facing. Should you switch IDR plans? Is Public Service Loan Forgiveness (PSLF) buyback the right move? We also address the very real frustrations with federal loan servicers — the long hold times, the inconsistent information, and the impact of staffing shortages. Beyond that, we'll cover practical tax filing strategies that could lead to significant savings, how to identify potential calculation errors in your loan details, and offer an update on the ongoing delays with forgiveness applications. If you're ready for clarity on your student loans, this episode delivers the answers you need in 2025. Key moments: (04:37) Stressing about interest accrual could be counterproductive on your path to loan forgiveness (07:45)  The PSLF buyback steps, and remember your qualifying payments don't need to be consecutive (16:53) Despite common talk of "old" and "new" IBR, there is technically only one Income-Based Repayment plan (26:07) A payoff strategy for a high-income physician facing loans without PSLF (43:33) Military families face unique PSLF considerations, with state residency affecting community property rules Links mentioned:  Income-Driven Repayment (IDR) Plan Request PSLF Help Tool Compare refinancing lenders   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Send us a textIn Episode 60 of The Vault, we discuss this week's controversial opinion, “Cash stuffing is SO outdated”. We then dive into our listener dilemmas:

Send me a text! (I might answer you in an episode)Ready for a proven plan to get debt-free faster? In this episode, I share my FAVORITE debt payoff plan (inspired by Dave Ramsey himself). Perfect for anyone wanting a fast track to financial freedom, this episode covers two different paths to pay off debt, how to know where to start, and the secret to staying consistent (that most people miss).  LINKS MENTIONED:Increase your income with this Side Hustle Launch Plan

Dr. Latifat is dedicated to helping women physicians take control of their finances with confidence and ease. Through mindset shifts and practical strategies, she empowers them to build wealth without burnout.In this episode, she shares powerful strategies to reduce financial anxiety. She explains how shifting your mindset, surrounding yourself with the right people, and adjusting your goals wisely can help you achieve financial freedom with less stress.Key Takeaways:The future you will be more equipped.Stop inflating your problems.Slowing down can actually help you move faster.Timestamps: 16:57 Understanding that your future self is more equipped17:53 The power of self-talk and reframing your thoughts19:03 Every financial problem has been solved before19:37 Surround yourself with the right people for growth21:11 When and how to adjust your financial goals22:04 Why slowing down can help you reach goals faster22:49 How MoneyFitMD can support your financial journey23:58 Final words and call to actionConnect with Dr. Latifat:☎️ Book A Call: www.moneyfitmd.com/call

Snag Our Simplified Budget System!Budget besties, we're back with another round of Lessons from the Sessions—real-life money wins, dilemmas, and breakthroughs straight from our coaching calls!This week, we're diving into:✨ Rental property reality check—Is it truly making you money or just draining your budget?✨ Inconsistent income budgeting—How to set up an income holding account so you're never short on cash.✨ Big bonuses, big decisions—How to make smart moves with large lump sums instead of letting them sit (or disappear).✨ The illusion of a "cheap" vacation—Spoiler alert: Staying with family doesn't mean a free trip. Let's budget wisely!No fluff, just real financial strategy that helps you keep more money in your pocket and stress off your plate. Let's get into it!

According to a LendingTree report total credit card balance is now over $1.166 trillion! Over 47% of those in the US carry a credit card balance. Gulp! with an average interest rate of 22.8%! Yuk! In this episode we talk about some debt paydown methods, how they work and how they approach the problem from different psychological angles.Contact Chris:https://heavymetal.money⁠https://www.facebook.com/MoneyHeavyMetal⁠https://x.com/MoneyHeavyMetal⁠https://www.instagram.com/chrisluger⁠⁠https://www.tiktok.com/@heavymetalmoney⁠email: chris at heavymetal.moneyContact Dan:email: dan at corepln.comhttps://www.corepln.com/dan-hineResources and Links:Snowball vs. Avalanche: Which Debt Payoff Method Rocks Harder?https://heavymetal.money/debtpaydown/New Legislation on Medical Debt and Its Impact on Credit Scores and Reportshttps://heavymetal.money/medical-debt-and-its-impact-on-credit-scores-and-reports/

Want to know why spreading your extra money across all your debts is actually slowing down your progress? In this episode, we're busting the myth that you need to make massive changes to get massive results. Instead, discover how focusing your "small" actions strategically can create powerful momentum in your debt payoff journey.You'll learn why adding $10 extra to each debt feels like nothing's happening (and what to do instead), how to make your small steps actually count, and the simple-but-mighty strategy that turns modest actions into major progress. Perfect for anyone who's been waiting to "really get started" on their debt-free journey because they can't make huge payments yet.Plus: Get practical guidance on where to find that first bit of extra money and exactly how to use it for maximum impact. No extreme budgeting required – just smart strategy that works in real life.Get your free copy of 9 Ways to Break Up With Your Credit Cards: https://www.katyalmstrom.com/9-ways Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

About the Episode:  Struggling with debt? In this episode of Monday Money Tip, we're sharing the best shortcuts to becoming debt-free faster!

Let's be real—taking the first step or starting to create some sort of change in your life can often be the biggest hurdle we face. Whether it's quitting drinking, getting out of debt, increasing your income, putting yourself out there for dating, or building the business of your dreams, the most daunting part is often just taking that first step.After nearly six years of manifesting my dream life, I've learned that the biggest thing that I would use as an excuse to hold me back was my own resistance to starting. Sound familiar? If so, you're not alone, and today's episode is here to help.In this episode, I'm sharing the simple yet powerful formula I've used to finally get started on the changes I wanted to make—without the overwhelm, self-sabotage, or burnout.On today's podcast episode, we dive into:The 6-step formula to overcome the fear of startingWhy creating safety is the first key to making any big changeHow to break things down into bite-sized, actionable stepsThe power of making the process fun and enjoyableWhy rewarding yourself along the way creates momentumThe importance of not doing it alone (and how to find the right support)How inviting God into the process changes everythingI'll also be sharing personal examples from my own journey—like how I tackled paying off $70,000 debt in less than 10 months—all by following this formula.Ready to finally start manifesting the life you know you're meant for?Then it's time to take the next step and apply to The Abundant AF Babe Academy—my signature manifestation program designed to help you heal all limiting beliefs and blocks so that you can finally manifest more money, freedom and fulfillment without stress or hustling.

Join the Done With Debt 30-Day Bootcamp: https://moneywise.thrivecart.com/done-with-debt-bootcamp-copy-2/Free resource: 9 Ways to Break Up With Your Credit Cards:https://www.katyalmstrom.com/9-waysThose sneaky subscription charges are draining your account every month without you even realizing it. Feel like money disappears but can't figure out where it's going? This episode is for you.In this episode, you'll discover:The 30-minute strategy my clients use to find an average of $100 in monthly savingsWhy those "small" charges are more dangerous than the big expensesMy simple 3-question process for deciding what stays and what goesReal examples from clients who found hundreds in hidden chargesNo extreme budgeting required - just practical steps that get real results, fast. By the end of this episode, you'll know exactly how to find and fix the money leaks that are keeping you stuck in the credit card cycle.Get your free copy of 9 Ways to Break Up With Your Credit Cards: https://www.katyalmstrom.com/9-ways Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Joni had a six-figure income but was living off her credit cards. With over $62,000 in credit card debt, she was able to pay it off and build savings following MMI's debt management plan. Listen to her story of avoiding bankruptcy the emotional impact she experienced from her financial freedom journey. Key moments: (00:00) Multipreneur Joni shares her Debt Payoff Triumph story (06:29) She paid high-interest debt first and tracked her financial progress (08:46) Budgeting and financial education reduces the "debt stigma" (12:28) How financial changes impressed her partner (15:10) Joni's advice? Share your struggles and seek support

Join host Jay Manning on this episode of the Passive Wealth Show as he welcomes Pacifica from Sweep Strategies. Based in Honolulu, Pacifica shares the innovative approaches his company uses to help individuals and businesses optimize cash flow, accelerate debt payoff, and build wealth through real estate. From personal experiences in overcoming the 2008 crash to the power of strategic financial education, Pacifico dives into actionable insights like the "chunking strategy," leveraging lines of credit, and the benefits of real estate investing. Don't miss this value-packed discussion on achieving financial freedom.

Join the Done With Debt 30 Day Bootcamp: https://moneywise.thrivecart.com/done-with-debt-bootcamp-copy-2/Transform your debt payoff dreams into real-world success with Part 2 of our special planning series. Discover how to create a month-by-month roadmap that actually works with your life, including practical strategies for building sustainable habits, celebrating milestones, and adapting your plan as life happens. Learn exactly how to track your progress, refine your approach, and maintain momentum throughout 2025. Whether you've already listened to Part 1 or you're just joining us, this episode gives you the concrete steps needed to make 2025 the year you break free from credit card debt.Get your free copy of 9 Ways to Break Up With Your Credit Cards: https://www.katyalmstrom.com/9-ways Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Talking about money with your partner can feel uncomfortable, but it’s a conversation worth having. It’s not always a walk in the park, but we can definitely ease some of the discomfort. In this episode, Jen and Jill share ways to get on the same page with your partner, along with their own experiences.

In the past few weeks, I've focused on the importance of debt awareness and how becoming a saver can help break the cycle of debt. Today, I'm excited to share the next step in your financial journey: choosing a debt payoff strategy. In this episode, I share personal stories and client successes, highlighting how understanding your specific types of debt—like credit cards, student loans, or auto loans—can greatly impact your repayment approach. I'll walk you through the most common debt payoff options, providing examples to help you find a strategy that aligns with your financial goals. I also stress the importance of managing cash flow and how reducing high monthly payments can create more financial freedom. I encourage you to look into ways to earn extra income through side gigs or monetizing your skills to speed up your debt repayment. With the right mindset and strategies, I genuinely believe anyone can overcome debt. Remember, you have the skills to succeed on your financial journey. Tune in for actionable insights and inspiration to take control of your debt! Explore debt payoff strategies and leverage these financial tools to help get out and stay out of debt… [02:36] How different types of debt influence payoff strategies [03:55] Identifying cash flow opportunities [07:28] Comparing debt avalanche versus debt snowball [13:25] When to use a balance transfer [15:50] Always focus on making more money  Tune into this episode of Money Files to discover which debt payoff strategy is right for you. Get full show notes and the episode transcript: https://wealthovernow.com/navigating-debt-payoff-insights-and-strategies/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan

This episode of the Ready Your Future podcast covers three main topics related to preparedness. First, it discusses lessons learned from an Alabama ice storm. The second topic explores the Dunning-Kruger effect in prepping. Finally, the episode stresses the significance of financial preparedness.  Visit - Ready Your Future. Of Interest For more about Todd and RYF   Join the Exclusive Email Group Buy Me a Coffee: https://www.buymeacoffee.com/prepperwebsiteSee omnystudio.com/listener for privacy information.

In the spirit of college football rankings, Art shares the top strategies for paying off debt. He also answers questions about the debt snowball method and offers tips for getting started with long-distance running. Don't miss this engaging episode!Resources:8 Money MilestonesAsk a Money Question!

You've heard of the Snowball and Avalanche methods, but which one is right for you? In this episode, we discuss the nuances of these popular debt payoff strategies, exploring the psychology behind each and how they might affect your financial journey.We're not here to shame you about debt. Let's be real, in this economy, it's practically a badge of honor to have survived the last few years without getting buried in debt. But, when you're ready to take charge, knowing the right approach can be the difference between a successful debt-free journey and a cycle of frustration.We'll break down the pros and cons of each approach, sharing insights on how your mindset can play a crucial role in success. Because let's face it, sometimes even the best strategy falls short if you're not mentally prepared for the challenges ahead.TakeawaysThe snowball method involves paying off the smallest debt first, providing quick wins and motivationThe avalanche method focuses on paying off the debt with the highest interest rate, resulting in less interest paid over timeYour mindset is just as important as the math. Choosing a debt payoff strategy depends on personal preferences and financial goalsUsing windfall money and balance transfers can accelerate debt payoffThink of it like chicken soup. Do you want to pop open a can of Campbell's? It's quick, easy, and gets the job done, but lacks the depth and soul of homemade. Or, are you willing to invest a little more time and effort to craft a broth that will simmer in your heart (and stomach) for days?Focus on making progress over the next 90 days to reduce debt before the holiday seasonReassess, adjust, and celebrate. Don't get stuck in a rut. If one method isn't working, switch it up. And remember to celebrate every milestone, even the small ones.Links: Episode 93 - credit card balance transfersEpisode 142 - how we paid off $200,000 in debt Episode 138 - Tips to avoid holiday overspending Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

Laura answers a listener's question about the best way to plan and pay off debt.Money Girl is hosted by Laura Adams. A transcript is available at Simplecast.Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at 302-365-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links: https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDThttps://twitter.com/LauraAdamshttps://lauradadams.com/

Snag Our Signature Budget Template! In this episode, we sit down with Budget Bestie Natalie, who's navigating the tricky waters of paying off debt while managing investments. They discuss strategies for handling 401k loans, the pros and cons of selling stock to pay off debt, and the importance of sticking with long-term investments. Key Points Discussed: 401k Loan Payoff: Natalie's excitement about paying off her 401k loan by October. The unexpected tax issues that delayed the payoff. Investment Decisions: Natalie's work-provided stocks and whether to sell them to pay off debt. The wisdom of keeping investments intact for long-term growth. Shana shares a personal story about her grandfather's Walt Disney stock. Debt Payment Strategies: Why using investments to pay off debt is usually not recommended. The pitfalls of short-term fixes like 0% credit card transfers. The importance of addressing the root causes of debt, such as spending habits and mindset. Snowball vs. Avalanche Method: Comparing debt repayment methods. When to prioritize high-interest debt over larger payments like car loans. Budget Adjustments: Handling a negative monthly budget. Balancing necessary savings with debt payments. Practical tips for contacting creditors to negotiate lower interest rates. Group Coaching Benefits: Natalie's positive experience with group coaching. The value of a supportive, non-judgmental community. How group coaching provides diverse perspectives and accountability. Actionable Takeaways: Focus on keeping investments for long-term growth unless they're underperforming significantly. Tackle high-interest debts first to minimize overall interest paid. Review and adjust your budget regularly to accommodate changing expenses, such as back-to-school costs. Consider group coaching for support, accountability, and diverse financial strategies. 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.budgetbesties.com/freecall  2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook  3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget  4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It's the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.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! 

In this episode, we're diving into the best ways for small business owners to pay off debt. We'll talk about which debts to tackle first, whether to use cash or get a new loan, and how to avoid common mistakes. We'll cover important tips like knowing your interest rates, loan balances, and minimum payments. Should you pay off small balances first or focus on high-interest loans? We'll break it all down! Plus, we'll discuss smart strategies to use your money for growing your business instead of just paying off debt. Tune in to get practical advice and take control of your finances!   Next Steps:

You asked, we answered! In today's episode, we answered some of your questions around debt, including student loans, credit cards, and general debt management. We covered topics like: The best debt payoff methods How to get out of debt faster The pros and cons of debt consolidation The pros and cons of a balance transfer How to manage student debt How to manage credit card debt Links Mentioned: Download the Ditch App (USE CODE “ERIN”) https://apps.apple.com/us/app/ditch-pay-debt-as-you-spend/id6466198208 Student Loan Calculator: https://www.calculator.net/student-loan-calculator.html Credit Card Debt Calculator: https://www.calculator.net/credit-card-payoff-calculator.html If you enjoyed this episode, please rate and review the podcast. We appreciate your support!

3 Questions to Speed Up Your Debt Payoff PlanIn this episode, Katy Almstrom, money mentor and financial coach, dives deep into three pivotal questions to ask yourself if your debt payoff plan isn't progressing as you'd hoped. These questions will help you:Uncover strategies to shift your emotional state and build a stronger relationship with your money, making your debt-free journey more manageable.Visualize and plan for a future where debt payments are a thing of the past, and discover the endless possibilities for your reclaimed finances.Learn the importance of celebrating milestones to keep you motivated and engaged on the path to becoming debt-free.Join the free Facebook group for more! https://www.facebook.com/groups/networthwomanThe 4-Minute Money Upgrade: https://www.katyalmstrom.com/moneymindset Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Snag Our Signature Budget Template! Do you find yourself juggling multiple debts and wondering which one to tackle first?

In today's episode, we're getting vulnerable....I'm sharing how I got into massive consumer debt, AND how I got myself out.  If you're currently in your debt payoff journey, this episode was created to help you kickstart your journey and take some massive steps to becoming debt free! Please share your takeaways on Instagram and tag me @courtney_amber. To schedule a 90 minute Money Intensive, simply DM me the word "MONEY" Apply for 1-1 Life & Fitness Coaching Follow me on Instagram Follow me on Tiktok As always, thanks for listening & sharing the episode with someone who may enjoy it!!

Join me this week as I share the first of four episodes in a series about paying off unwanted debt, particularly high interest credit cards. In this week's episode, we're looking at 3 ways to simplify your journey, and the specific and practical ways to make those simplifications. Paying off credit card debt can be daunting (stay tuned next week for more of my story), and there are easy ways to get quick wins when we simplify. So if you're ready to have a win on YOUR debt free journey, you're going to love this episode. The 4-Minute Money Upgrade: https://www.katyalmstrom.com/moneymindset Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Hey Mom! Do you have multiple sources of debt you are working to pay off? Do you feel overwhelmed with figuring out the right strategy to use? Do your debt balances feel like they aren't getting any lower? Don't stress; I'm here to help you! In this episode I break down the definitions of both the debt snowball payoff method and the debt avalanche method. I also list out the pros and cons of each, and I even help you determine which is the best way for YOUR family to get out of debt once and for all.  If you are working to eliminate debt, this episode is a must listen.  Also, here is a FREE Debt Reduction Calculator as mentioned in the episode. Let's go! Blessings to your family, Mandy P.S. -> Join our awesome FREE Facebook community! https://www.facebook.com/groups/frugallivingforfamilies -> Become a Frugal Living for Families Insider! Sign up at: subscribepage.io/FrugalLivingforFamiliesPodcast for more tips on saving money, getting out of debt, becoming a stay-at-home mom, living on a single income, first access to my offerings and more! -> For my latest coaching options, email me at FrugalLivingforFamilies@gmail.com. Thank you for helping this show rank in the top 5% globally! I appreciate you so much!

Naseema McElroy is a published author and the founder of Financially Intentional, a platform about personal finance and living life intentionally. In this episode, she speaks to Jessica and Brandon about how taking control of her finances has enabled her to overcome bankruptcy, divorce, and break the cycle of living paycheck to paycheck. She shares her lessons along her path to help others benefit from the freedoms of financial independence. Outside of encouraging people to get their financial act together, Naseema is a mother, and a Labor & Delivery Nurse. Though making six figures for years, she struggled with money. Finally realizing she couldn't out-earn her financial ignorance, she knew she had to make some changes.  By shifting her mindset around money, being consistent and intentional, she has paid off $1 million in debt and grew a six figure net worth in three years without living in deprivation.This episode is a treasure trove of real-life wisdom on nurturing financial literacy within the family. She draws from her own upbringing and the generational changes in wealth-building to highlight the delicate balance of teaching children the value of money while also preserving the joys of their childhood. Her profound insights into the challenges and victories of single parenting, coupled with her remarkable comeback story from bankruptcy, form a narrative that is as educational as it is uplifting.Tune in for a heartfelt account that promises to empower you with the strategies and mindset to craft a life of intention, care, and financial independence.If you'd like to leave us a question to be answered during future episodes, you can do so at Speakpipe. You can email us at: thesugardaddypodcast@gmail.com Be sure to connect with us on InstagramLearn more about Brandon, and Oak City FinancialSchedule 30 minutes with Brandon Please remember to subscribe, rate, and review.Notes from the show:Follow Naseema on Instagram Financially Intentional the Podcast Financially Intentional Website Financially Intentional on YouTube Email Naseema: financiallyintentional@gmail.com

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

Snag Our Signature Budget Template! In this heartfelt episode, we journey through the lives of individuals and families who've transformed their financial landscapes. By embracing budgeting, tackling debt, and shifting their money mindsets, our clients have moved from living paycheck to paycheck to creating pathways toward generational wealth. With a sprinkle of wisdom from financial gurus like Dave Ramsey and our unique approach, we delve into stories of resilience, support, and financial breakthroughs. Client Stories Highlighted: - The Big Decision Maker: Learn how one client went from indecision and financial stress to taking a bold step that not only paid off debt but also brought peace and clarity to their financial journey. This story underscores the power of budgeting and making informed financial decisions. - Embracing Simplicity: Discover how downsizing and simplifying life led to not just significant debt reduction but also a happier, more content lifestyle. This narrative highlights the importance of aligning your spending with your values and the transformative impact of living within your means. - From Shame to Game Plan: Hear how one individual overcame the shame of credit card debt with our nonjudgmental support system, leading to a complete overhaul of their money mindset and steps toward building generational wealth. - Automating Success: Dive into the story of a client who revolutionized their financial management by automating bill payments and budgeting, proving that small changes can lead to big savings and less reliance on living paycheck to paycheck. - The Budget Template Triumph: A tale of how our simple yet effective budget template empowered a family to gain control over their finances, reduce credit card usage, and set a foundation for generational wealth—all through the lens of accountability and a solid support system. - Generational Shifts: Witness the journey of a client who broke free from the cycle of living paycheck to paycheck to establish a legacy of financial stability and generational wealth for their family, inspired by principles from Dave Ramsey and tailored advice from us. Why This Episode Is a Must-Listen: - Relatable Solutions: Each story is a testament to the challenges and triumphs of real people facing everyday financial dilemmas. - Actionable Advice: You'll get practical strategies that can be applied to your own journey towards financial freedom. - Supportive Community: We reinforce the importance of having an accountability partner or support system in navigating the complex world of personal finance. 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  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

Be a founding member of Farnoosh's So Money Members Club.This week on Ask Farnoosh: the truth about maintaining healthy credit, how to pay off student loans and credit cards at the same time, and is it wise to start a 401k at work if you don't plan to stay on the job for too long? Hosted on Acast. See acast.com/privacy for more information.

Snag Our Signature Budget Template! In this inspiring episode, we chat with Becky, a 44-year-old accountant from Oklahoma, who shares her incredible journey of overcoming financial hurdles. Despite being in the middle of a busy season and juggling responsibilities with her chickens and dog, Becky enthusiastically delves into her experience with debt consolidation, budgeting struggles, and how she turned her financial situation around. Highlights of the Episode: Becky's Background: An accountant with a love for life, struggling with debt payments and budgeting. Turning Point: Discovering our podcast and deciding against debt consolidation, choosing financial coaching instead. Strategy Shift: Calling creditors, negotiating payments, and restructuring her financial approach. Success Story: Paying off $7,200 and six debts in just six months! Key Takeaways: Empowerment Over Debt: Becky's choice to take control of her debt instead of opting for debt consolidation. The Coaching Impact: How working with a financial coach provided Becky with accountability and a practical plan to tackle debt. Budgeting Revelations: Transitioning from budgeting struggles to creating efficient systems for managing finances. Unexpected Wins: Paying off significant debts, including a car payment, and planning for vacations while still clearing debt. Mindset Shift: Realizing the importance of trusting the budget and understanding the nuances of financial planning. Becky's Advice: Trust in your budget, understand it's okay to have fluctuations in your bank account, and always keep your goals in focus. Why This Episode is a Must-Listen: Becky's story is not just about paying off debt; it's a testament to the power of resilience, strategic planning, and the positive impact of financial coaching. Her journey from feeling overwhelmed by debt to becoming a proactive and savvy budgeter is both motivational and educational. 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  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

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Sierra Black with Get Rich Slowly talks about going beyond credit card debt. Episode 2969: Beyond Credit Card Debt by Sierra Black with Get Rich Slowly on Creating A Financial Debt Payoff Plan J.D. Roth has been reading and writing about personal finance for a decade. Today he's financially independent, but ten years ago, his money life was a disaster, with over $35,000 in consumer debt. He started turning everything around in 2004. By being the boss of your own life, you, too, can be the master of your own financial fate. The original post is located here: https://www.getrichslowly.org/beyond-credit-card-debt/ Visit Me Online at OLDPodcast.com  Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalLivingDaily Learn more about your ad choices. Visit megaphone.fm/adchoices