Podcasts about debt payoff

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

Want to pay off your consumer debt? In this episode, let's talk about the best debt payoff method to help you gain momentum and see progress faster. So, here we go!‌‌Resources Mentioned:Full Show Notes: https://aimeecerka.com/147Money Mastery Academy: https://aimeecerka.com/academyInstagram: https://instagram.com/aimeecerka/Work with Aimee: https://workwithaimee.comQ&A Call - https://aimeecerka.com/qa‌Wondering What's Next?14 Day Money Mastery Action Plan -https://aimeecerka.com/action/‌https://aimeecerka.com

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!

In this episode of the Mills Knows Bills podcast, host Mills Bender, founder and CEO of Mills Knows Bills, interviews Shawn Lane, CEO and founder of FRS Credit, a credit repair company. They discuss strategies for people with variable incomes to manage their money effectively, focusing on paying off credit card debt and investing for retirement concurrently. Shawn asks Mills if those buried in credit card debt should still invest for retirement, given the high interest rates on such debts. Mills advocates a balanced approach to managing debts, savings, and investments simultaneously. He explains the debt stacking method for paying off debts and stresses the importance of having an emergency fund and investing early for retirement. Shawn shares insights into his ideal clients - people motivated to improve their credit scores for significant life purchases, and emphasizes the importance of proactively monitoring and managing credit. The episode wraps up with contact information for FRS Credit for those interested in seeking credit repair services or advice. If you enjoyed this content, please like and share, and subscribe for the latest! https://www.youtube.com/@MillsKnowsBills For more information, please visit https://www.millsknowsbills.com 00:00 Welcome to the Mills Knows Bills Podcast: Mastering Your Money 00:53 Special Guest Shawn Lane: Tackling Credit Repair and Financial Questions 02:05 Investing vs. Paying Off Credit Card Debt: An In-Depth Discussion 04:01 Strategies for Debt Payoff and Financial Planning 07:47 Exploring Options for High Credit Card Debt Holders 11:41 The Ideal Client for Credit Repair Services 14:05 Proactive Credit Monitoring and Improvement Tips 16:19 How to Contact Sean for Credit Analysis and Advice 17:58 Closing Thoughts and Resources for Financial Growth

Today, let's talk money! Money always used to be a hot topic in my house. My fears and financial setbacks paired with my husbands own ideas, thoughts and fear made money talks scary. However, we set a goal and we dove in together to make it happen and I want to share how. Resources mentioned: Financial Peace University - https://amzn.to/4c6cPSG Total Money Makeover (book) - https://amzn.to/49KzgLI

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

In this episode I walk you through three different debt payoff strategies and which one is best for both long term and short term results that will help you pay off debt and stay out of debt. You will learn the advantages and disadvantages of all three and how to best choose which one is best for your situation. If you are someone who has been wanting to know how to choose a debt payoff strategy be sure to tune into this episode. 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 ⁠⁠⁠⁠Women Who Earn⁠⁠⁠⁠, a weekly email series inviting women to achieve their financial goals and stop living paycheck to paycheck by mastering managing, spending and earning money without guilt. Follow Aqura on Instagram ⁠⁠⁠⁠@aquranicholson⁠⁠⁠⁠.

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

Debt is a familiar burden most Americans face daily. Whether the debts are small or large, many are becoming fed up and joining a movement to pay off debt and reach financial freedom. If you're one of those looking for a way out of debt, it's time to put together a debt payoff strategy to set you up for success.  Links: Get your budgeting tools on our TCU University resources page Watch our pre-recorded financial freedom webinar for a more in-depth explanation of this debt payoff plan Check out our upcoming events for new webinars and workshops 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.   Getting out of debt can be overwhelming. Staring at a large number, wondering how in the world you'll be able to pay it off, is enough to make anyone want to give up and say, “Never mind.”   But debt and the burden it brings does not have to haunt you forever.    With a simple, five-point plan, you can tackle that debt burden and finally get onto a path that will eliminate it forever.  This plan breaks the debt payoff journey down into manageable, actionable steps to stay on track to meeting your goal.    Step one: Acknowledging you have a problem   Debt is no different than any other personal challenge we face. Once we determine the problem affecting us, then we get the resolve to do something about it. Is your debt affecting your mood? Your relationships? Your health? If you answered yes to any of these questions, it's a burden in your life that has to go. Be honest about where you are now and where you want to be.   Acknowledge all your debts. Then list them all from credit cards, personal loans, student loans, medical bills, car payments, everything. With it all out front and visible, it'll be easier to assess how much work you'll need to put in to pay it off.  With the debt problem illuminated, it's time to move to the next step.   Step two: Resolve to do something about it   This step is where you take ownership. You've admitted you have a debt problem, and now it's time to do something about it.   This step involves finding all the information needed for a proper strategy. Seek out resources that provide education and insight into solving your problem. If that's a trustworthy friend or professional, a webinar, online course, book, or even blog, take that first step of resolving to commit to this journey.    Step three: Create your plan   This step is all about laying out the strategy you'll follow, and the very first step in this plan is to create a budget. Know your income and expenses and put them all onto a budget sheet. This process organizes your money into categories so you can see all the money coming in and going out. If you need access to a budget sheet, we'll link to one in the show notes you can download and use.  Within the budget process, determine to put any extra income towards debt. That means you'll need to pause additional spending on fun and other frivolous things for some time. Put all your remaining money towards that debt pile to reach that debt-free goal sooner.    It's also essential to choose the order in which you'll pay your debts off. Many people use one of two popular debt payoff structures for this – the debt avalanche or debt snowball.   The debt avalanche method involves paying off the highest-interest debt first, eventually working down to the lowest-interest debt. The debt snowball consists of tackling the debt with the smallest balance and then working up to paying off the largest balance.    The principles of both plans are the same. Tackle one debt with any extra money while paying the minimum balance on other debts. Once one debt is paid, use that money that you had been paying to pay off debt to the next one—keep doing this same process until all debts are paid off.  Step four: Execute your plan   This step is where the rubber meets the road. It's time to act upon everything in the plan.  Find a trusted person to hold you accountable throughout this process. If you decide to stop using credit cards, this is where you'll cut them up. Establish your target date to be debt-free. Do you want to be out of debt in a year? Maybe two? This number will differ for everyone depending on the amount of debt and their net income.    If you're looking to work an extra job or hours, this is the time to start. Start working out your debt reduction plan, whether the debt avalanche or the debt snowball method.   Step five: monitor your results and repeat   This step is the only way to determine if your plan is working. Keep an eye on it and monitor it regularly to stay on top of it.    Print out your sheet or save it somewhere you'll see it daily. Putting it on a poster is a super effective way to keep it top of mind. Tape it to a bathroom mirror, bedroom mirror, or fridge to keep it visible.    The key is remembering it. You want it to be a daily reminder of the goal you set for yourself.    Check-in on your progress regularly. Weekly, monthly, however frequently you think is best.    With these five steps, you can tackle almost any challenge, debt being one of them.    If you'd like to dive deeper into these steps, check out Triangle's Paying off Debt webinars, which are available to join live throughout the year or watch them on-demand on our YouTube channel.   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. Check out our other tips and episodes on the Making Money Personal podcast.    Have a great day!   

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

In this episode of Money Grows On Trees: The Podcast, Lloyd Ross, Your Millionaire Money Mentor, shares three simple and effective ways to make extra money from the sharing economy. From leasing out your car with Uber Car Share to renting out your camper van or trailer, Lloyd provides valuable insights into tapping into this growing market. With real-life success stories and practical tips, this episode offers high-value strategies for anyone looking to boost their income. Tune in to discover how you can leverage the sharing economy to earn additional cash and level up your finances.

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

In this episode, I'll be recapping some of the top things that happened in 2023, a review on how my 'theme' went for the year (plus my 'theme' for 2024) and the key lessons I learned in 2023.  This episode is a great place to start to get you motivated & excited aboput what's ahead in 2024. For a replay of the Vision Board Workshop, DM me the words VISION BOARD & you'll receive a link to access the workshop for $22. Apply for The Upgrade Mastermind Follow me on Instagram Follow me on Tiktok As always, thanks for listening & sharing the episode with someone who may enjoy it!!

Your 2023 recap questions, answered!  In this episode, we cover 4 questions asked by listeners in regards to 2023 & advice for 2024.  Tune in to check out this bonus episode! Apply for The Upgrade Mastermind Follow me on Instagram Follow me on Tiktok As always, thanks for listening & sharing the episode with someone who may enjoy it!!

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

About the Episode:  In this episode, we're going to focus on discussing the debt snowball technique.  Resources: FULLY FUNDED LIFEIWBNIN LadderAnnual Credit Report   Related Monday Money Tip Podcast Episodes: Episode 147: How To Teach Your Kids About DebtEpisode 203: Couples And Money: Discussing DebtEpisode 245: Crush Your DebtEpisode 266: Debt Free & Organized!Episode 273: When ‘No' Means ‘Yes!' Email info@iwbnin.com to ask questions or share success stories.

Hey Mom! Does your family have mountains of debt? Do you feel like you've tried to tackle your debt, but your balances never seem to go any lower? Are they going up, instead of down? If you have any debt at all, this episode is for you! I personally know the stress, worry, and anxiety that debt brings. I also know the peace of mind that comes once it is finally paid off!  I want that for you! Join me today and let's get your family on a faster path to eliminating all debt for good and on to bigger and better things! As mentioned, here is the FREE debt reduction calculator spreadsheet that I personally have used many times in my life. You can download it in either Excel or Google Sheets, so make sure you have it open in front of you before starting the episode as I will go over how to use it. Let's get you on the road to more peace and joy! Join me on Facebook! 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! Blessings to your family, Mandy P.S. For my latest coaching options, email me at FrugalLivingforFamilies@gmail.com.

About the Episode:  In this episode, we're going to focus on discussing a useful visual tool he created to help motivate him to pay off his house. Joe shows off his Payoff Spectaculars and how you can use them to help pay off big purchases in your life.  Resources: FULLY FUNDED LIFEIWBNIN LadderFREE Tools - Spectaculars Related Monday Money Tip Podcast Episodes: Episode 276: Pay Off Your Mortgage In 10 Years Or LessEpisode 267: Opportunity Cost & Budget FunEpisode 203: Couples & Money: Discussing DebtEpisode 193: Money Lies: I Can't Afford That Email info@iwbnin.com to ask questions or share success stories.

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

Being in debt...and paying off debt..taught me a lot.  In this episode, I'm sharing 10 lessons I learned along the way.  If you're currently on the debt struggle bus, this episode is for you. Resources: Debt Payoff Calculator Dave Ramsey's Debt Payoff Calculator  Apply for 1-1 Life & Fitness Coaching Schedule a 90-Minute Life Coaching Breakthrough Session Follow me on Instagram Follow me on Tiktok As always, thanks for listening & sharing the episode with someone who may enjoy it!!

About the Episode:  In this episode, we're going to focus on how to pay off your mortgage in 10 years or less Resources:  FULLY FUNDED LIFE Related Monday Money Tip Podcast Episodes: Episode 118: We Paid Off Our House In 9 Years! Episode 119: When Is The Right Time To Purchase A House? Episode 165: Our Home Pay-Off ProcessEpisode 203: Couples & Money: Discussing DebtEpisode 206: This Or That: Buy Or Rent?Episode 211: Topics Couples Should Discuss: MoneyEpisode 213: You Asked For It: Where Do I Start? Email info@iwbnin.com to ask questions or share success stories.

Being coachable is the ability to be open to feedback and learning from others and it is essential for financial success because it allows you to grow and improve your financial skills.In this episode of the MoneyfitMD podcast, I Shared my own experience of how being coachable helped me to overcome my doubts and achieve my financial goals, even when I was surrounded by people who didn't look like me or have the same experiences. In this episode you will learn:Why being coachable is the key to unlocking your financial potential, especially for women physicians facing unique challenges. Discover how embracing coachability can bridge the gaps and lead to unprecedented growth in your wealth journey.Whether it's paying off debt, investing, or starting your own practice, being coachable paves the way for transformation.Get your copy of the DONE WITH BROKE order nowReady to liberate yourself and become the CEO of your money & life? Join the only community exclusively for women physicians. The doors are open https://www.moneyfitmd.com/msbDo you have questions/ topics you want addressed in an upcoming episode? Fill out this form.https://www.moneyfitmd.com/podcast-questionsAccess our FREE 5- Day Video Mini-Series will change how you handle your finances. Visit  https://www.moneyfitmd.com/cashflow to learn how to cash flow. As physicians, it's important that we are prepared for any economic downturn. This is why I am sharing the steps I am taking to be prepped. That way we can be well together. www.moneyfitmd.com/prep⁣Don't miss an episode, subscribe to THE MONEYFITMD PODCAST, where we help women Physicians curate their rich life.⁣⁣⁣Thank you so much for sharing this episode with those around you and helping change the money of women physicians all around the world. We are social:Facebook: https://web.facebook.com/MoneyfitMD/Instagram: https://www.instagram.com/moneyfitmd/Youtube: youtube.com/@moneyfitmd

Laura answers a listener's question about the best way to pay off a large credit card balance. You'll learn eight of the best methods to eliminate any debt you owe and stay debt-free.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/ 

Jeff Rose shares some obvious ways that we can build wealth. Episode 2175: 3 Utterly Obvious Ways To Build Wealth by Jeff Rose of Good Financial Cents on Frugality & Debt Payoff Jeff Rose, CFP® is a Certified Financial Planner™, founder of Good Financial Cents, and author of the personal finance book Soldier of Finance. Jeff is an Iraqi combat veteran and served 9 years in the Army National Guard. His work is regularly featured in Forbes, Business Insider, Inc.com and Entrepreneur. The original post is located here: https://www.goodfinancialcents.com/3-utterly-obvious-ways-to-build-wealth/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalHealthDailyDietNutritionFitness Learn more about your ad choices. Visit megaphone.fm/adchoices

George Kamel & Dr. John Delony discuss: Getting a second vehicle, Preparing to move out, Getting started paying off debt. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy