Podcasts about debtfreecommunity

Budgeting doesn't have to be boring! Learn creative and enjoyable ways to build a budget that works and still allows for the things you love.   Get your free BUDGETING SPREADSHEET and DEBT REPAYMENT STRATEGY HANDOUT here: https://financialmanagement101.com.au/resources/    Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/ JOIN MY PRIVATE FACEBOOK GROUP: The Financial Learning Hub   #FinancialLiteracy #DebtManagement #FinancialMuscle #MasterYourMoney #2025Goals #FinancialManagement101 #KarenGADams 

Let's break the stigma around debt and talk about practical strategies to reduce it while staying motivated. Hear inspiring client stories of debt-free success. Get your free BUDGETING SPREADSHEET and DEBT REPAYMENT STRATEGY HANDOUT here: https://financialmanagement101.com.au/resources/    Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/ JOIN MY PRIVATE FACEBOOK GROUP: The Financial Learning Hub   #FinancialLiteracy #DebtManagement #FinancialMuscle #MasterYourMoney #2025Goals #FinancialManagement101 #DebtRepaymentStrategy #DebtFreeJourney

Your credit report is more than a number. Learn how to read, improve, and leverage your credit score for better financial opportunities.   Get your free BUDGETING SPREADSHEET and DEBT REPAYMENT STRATEGY HANDOUT here: https://financialmanagement101.com.au/resources/    Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/ JOIN MY PRIVATE FACEBOOK GROUP: The Financial Learning Hub   #FinancialLiteracy #DebtManagement #FinancialMuscle #MasterYourMoney #2025Goals #FinancialManagement101 #CreditReport #CreditScoreBoost #FinancialKnowledge #MoneyMastery

As we navigate our 30s, 40s, and early 50s, managing multiple debts can be like juggling with too many balls in the air. Whether it's credit card debts, personal loans, or car payments, keeping track can be overwhelming. This is where debt consolidation comes in as a practical financial strategy, providing a much-needed tune-up for your finances. Download your FREE Budget Spreadsheet. Please don't forget to make your own copy. (On the upper left corner, click File > Make a Copy)   Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/  

In the journey of life, the years between 35 and 50 are often the most dynamic. You're navigating the peak of your career, perhaps raising a family, and dreaming about those well-deserved vacations or adventures. But how do you balance these dreams with the reality of financial responsibilities? The answer lies in smart budgeting. Download your FREE Budget Spreadsheet. Please don't forget to make your own copy. (On the upper left corner, click File > Make a Copy).   Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/  

Managing your mortgage during your prime years requires a combination of strategy, knowledge, and foresight. But you can transform your mortgage from a financial burden to a key component of your financial success by understanding your options and making informed decisions. If you want to know whether your home loan is working effectively for you and your personal finances, contact me at karen@financialmanagement101.com.au for a chat.   Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/    

#064 - Mayra talks explains what is a Tax Return, if we are receiving one, and how to use it wisely.  Reviews how the wealthy view this topic.  And how we can learn to change our mindsets regarding this subject to expedite our debt elimination efforts.   Connect with Mayra at https://DebtFreeLatina.com   Follow Mayra on Instagram at @debtfree.latina

In recent weeks, we've had a number of big, high-profile stories come about education: the first being the noted decline in reading and math scores as a result of school closures and online learning over the past two years, the second being the recent cancellation of student loan payments for college students. Today's episode features a special guest, Brian Balfour of the John Locke Foundation, to talk about student loans and the cancellation of those student loan payments.Brian Balfour is Senior Vice President of Research for the John Locke Foundation, where he oversees the organization's research and analysis on a variety of issues. He previously worked for the Civitas Institute for 13 years, and has a master's degree in economics from Wayne State University in Detroit, MI. Theme music is from John Harrison and Wichita State University.

Wish you could be #debtfree?Listen now to this interview with Sanae Floyd, #BusinessBreakthrough Coach and #SalesMentor. Sanae shares her #debtfreejourney and how you too can free yourself from the burden of #debt and live your best life now!Want a step-by-step guide to how you can achieve #debtfreeliving?Get Sanae's book "Paid In Full" now at:https://sanaefloyd.com/paid-in-full-free-yourself-from-the-burden-of-debt-and-live-your-best-life-now/Connect and learn more about Sanae at: https://sanaefloyd.com/https://www.facebook.com/coachsanaefloyd#debtfreecommunity #debtfreeliving #debtfreelifestyle ---------------------------ABOUT SAMIA:Samia Bano is the #HappinessExpert, author, speaker, podcaster & coach for coaches and healers. Samia is most known for her book, 'Make Change Fun and Easy' and her #podcast of the same name. With the help of her signature Follow Your Heart Process™, a unique combination of #PositivePsychology and the spiritual wisdom of our most effective #ChangeMakers, Samia helps you overcome #LimitingBeliefs, your chains of fear, to develop a #PositiveMindset and create the impact and income you desire with fun and ease…Samia's advanced signature programs include the Happiness 101 Class and the Transformative Action Training.Samia is also a Certified #ReikiHealer and Crisis Counselor working to promote #MentalHealthAwareness. Samia models #HeartCenteredLeadership and business that is both #SociallyResponsible and #EnvironmentallyFriendly.Samia is a practicing #Muslim with an inter-spiritual approach. As someone who has a love and appreciation for diversity, she is a #BridgeBuilder between people of different faiths and cultures. Although Samia currently lives in California, USA, she has lived in 3 other countries and speaks Hindi, Urdu, and English fluently. To Book your Free HAPPINESS 101 EXPLORATION CALL with Samia, click: https://my.timetrade.com/book/JX9XJ

Wish you could be #debtfree?Listen now to this interview with Sanae Floyd, #BusinessBreakthrough Coach and #SalesMentor. Sanae shares her #debtfreejourney and how you too can free yourself from the burden of #debt and live your best life now!Want a step-by-step guide to how you can achieve #debtfreeliving?Get Sanae's book "Paid In Full" now at:https://sanaefloyd.com/paid-in-full-free-yourself-from-the-burden-of-debt-and-live-your-best-life-now/Connect and learn more about Sanae at: https://sanaefloyd.com/https://www.facebook.com/coachsanaefloyd#debtfreecommunity #debtfreeliving #debtfreelifestyle ---------------------------ABOUT SAMIA:Samia Bano is the #HappinessExpert, author, speaker, podcaster & coach for coaches and healers. Samia is most known for her book, 'Make Change Fun and Easy' and her #podcast of the same name. With the help of her signature Follow Your Heart Process™, a unique combination of #PositivePsychology and the spiritual wisdom of our most effective #ChangeMakers, Samia helps you overcome #LimitingBeliefs, your chains of fear, to develop a #PositiveMindset and create the impact and income you desire with fun and ease…Samia's advanced signature programs include the Happiness 101 Class and the Transformative Action Training.Samia is also a Certified #ReikiHealer and Crisis Counselor working to promote #MentalHealthAwareness. Samia models #HeartCenteredLeadership and business that is both #SociallyResponsible and #EnvironmentallyFriendly.Samia is a practicing #Muslim with an inter-spiritual approach. As someone who has a love and appreciation for diversity, she is a #BridgeBuilder between people of different faiths and cultures. Although Samia currently lives in California, USA, she has lived in 3 other countries and speaks Hindi, Urdu, and English fluently. To Book your Free HAPPINESS 101 EXPLORATION CALL with Samia, click: https://my.timetrade.com/book/JX9XJ

Is your Roth IRA losing money and you don't know why? Meghan Rabuse, aka the Family Finance Mom, joins me to discuss why your investment accounts might not be growing lately. We discuss the state of the stock market and what investors can do to stay calm in uncertain times. Also, Kevin from Indiana just paid off his mortgage in just 2 years! He shares what this huge financial milestone means for his family tree.  SPONSORS M1 Finance: You've done your research. Let M1 investing automation do the heavy lifting. Tello:  Our family's mobile phone provider. Great service on the T-Mobile network and incredible prices! RESOURCES Family Finance Mom (website):  https://familyfinancemom.com/  GUEST BIO Meghan spent nearly a decade as a Financial Analyst, before spending the last 7+ as a SAHM to three little ones. She shares simple money tips for moms to help their family reach their financial goals by building a financial plan they can LIVE with! OTHER EPISODES YOU MIGHT LIKE Family Wealth and Happiness:  10 Steps to a Better Tomorrow (Today) How We Paid Off Our 15 Year Mortgage in 5 Years 50% to 10%:  Why We're Happy Saving Less in FIRE Journey MKM RESOURCES MKM Coaching:  Request a free 15-minute consultation today YouTube:  Subscribe for free to watch videos of these episodes and interviews Instagram:  Follow our IG channel Voicemail:  Leave your question or comments here  Merch Store:  Check out our t-shirts, hoodies, and coffee mugs! DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. CREDITS Podcast Artwork:  Liz Theresa Editor:  Podcast Doctors

Looking to pay off debt but you have a low income? Jessi Fearon, the author of the new book Getting Good With Money, shares how reaching debt freedom is possible making $50k per year or less.  Also, we hear from Brandyn Rodriguez who paid off $137,000 of debt in 5 years! EPISODE RESOURCES Personal Capital:  Free investing tools to help you build your wealth! Jessi Fearon (Website) Getting Good with Money (Book):  Jessi Fearon's new book Brandyn Rodriguez (Website) Guest Bio – Jessi Fearon Jessi Fearon is a personal finance writer and coach who seeks to challenge, encourage, and equip women to take the steps they need to achieve financial freedom. She firmly believes in living a real life on a budget and that personal finance is, in fact, personal. She seeks to help others learn how to make their money work for them. Jessi has written guest posts for popular websites like DaveRamsey.com, MSN Money, MoneySavingMom.com, Clark.com, TheHumbledHomemaker.com, Popsugar.com, and HuffPo. OTHER EPISODES YOU MIGHT LIKE Family Wealth and Happiness:  10 Steps to a Better Tomorrow (Today) How We Paid Off Our 15 Year Mortgage in 5 Years 50% to 10%:  Why We're Happy Saving Less in FIRE Journey MKM RESOURCES MKM Coaching:  Request your free 15-minute consultation YouTube Instagram  Voicemail Merch Store DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com.

On this episode of Financially Naked: Stories from The Financial Gym, two of our Certified Financial Trainers are discussing consolidation loans. If you have less than $10k in debt, one option is balance transfer cards. For debt greater than $10k, consolidation loans are a better option. Kadri and Mike are co-hosting today to talk through what consolidation loans are, how to address underlying issues before taking one out, and best practices to help you stay focused on the debt payoff journey.  Podcast Notes If you have more than $10,000 in debt, loan consolidation can be a great option. It is a personal loan that is used to pay off all of your balances. Instead of managing 5-6 different debts at high interest rates, you can focus on the single loan. It makes for more seamless debt management and more stable interest rates.  One of the most important steps is to address the underlying reasons for the debt. Reflect and be honest with yourself. Are you living above your means? Was there a big expense you had to take care of? It is a mix of everything? Life happens, give yourself grace, but don't ignore the reality. Since the personal loan will open all your other lines of credit, not using those cards, or digging yourself deeper into the hole, is vital.   Loan consolidation is a tool and you have to put in the work to use it wisely.  Take the time to look at all of the different options and really understand the lending contract before signing. A higher credit score will give you more availability when choosing a loan.  If you continue to make payments and live within your means while paying off the loan, your credit score will likely jump. This is because when the credit lines are open, overall utilization is lowered, which helps increase your credit score.  More options will become available as your credit score goes up. Debt payoff can take many years, and more progress opens up more options.  If you apply for a loan and the interest rate is higher than what you're already paying, loan consolidation might not be the best fit.   Be realistic about what monthly payment is going to work for you.  Be sure to save money while working on the debt. It is impossible to break out of the debt cycle if you are not saving at the same time.  Money is emotional, there is often shame attached to debt. Have compassion for yourself, the past is in the past. Feel empowered by your mistakes because they give you the opportunity to make a change.  If you need more help with navigating your debt options, check out the new Trainer on Demand program!   If you are looking to consolidate debt, check out the B.F.F. Approved Personal Loan Page.     Meet The Trainer Meet Kadri, Level 3 Certified Financial Trainer  Meet Mike, Level 2 Certified Financial Trainer and Head of Trainer on Demand 

In this solo episode I tackle all things debt: the tools you need to use or sharpen to pay debt off, the controversial question, “Is debt good or bad?”, why debt may be preventing you from reaching your money goals and the importance of understanding yourself when it comes to using debt as leverage. If you're wanting to dive deeper into learning more about debt and how it can affect your financial independence journey, this episode is for you! In this episode I discuss: Whether debt is “good” or “bad” The 5 stages of financial independence Knowing thyself when it comes to deciding if you want to use debt as leverage Specific strategies and tools to manage or pay debt off + more Other related blog posts/links mentioned in this episode: Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Check out my new personal website here. Join The Weekly Newsletter List 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. Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

Does it make sense to pay off your mortgage if you lose the mortgage interest tax deduction? This is a common question people struggle with who are considering paying off their mortgage. Let's explore if keeping your mortgage for the tax savings makes sense. Also, we hear from Jon Banker from Colorado who recently paid off his mortgage early. We discuss why he did this even with a mortgage at 3% interest.  Last, but not least, my son Calvin joins me for a new segment called "The Good Word".  EPISODE RESOURCES Firstly:  Smart budgeting tools and real-life advice to get you on the path to family financial wellness. Learn more today!  "The Good Word" Story of the Month OTHER EPISODES YOU MIGHT LIKE Family Wealth and Happiness:  10 Steps to a Better Tomorrow (Today) 10 Incredible Benefits of a Paid Off Home 50% to 10%:  Why We're Happy Saving Less in FIRE Journey MKM RESOURCES MKM Coaching:  Request your free 15-minute consultation YouTube Instagram  Voicemail DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com

On this episode of Financially Naked: Stories from The Financial Gym, two of our trainers sit down to Gymsplain student loans. Mike, Level 2 Certified Financial Trainer, is joined by Joy, Head of Trainer Academy and Certified Financial Trainer.The general consensus around The Financial Gym: student loans are really no big deal. Common feelings surrounding student loan debt are often fear, anxiety, and shame. Joy and Mike hope to demystify these loans and provide some tips for your debt payoff journey. You don't have to scale the mountain of student loan debt before enjoying your life.  **Please note this episode was recorded before the government's decision to extend student loan payment pause through May 1, 2022. For more information on this check Federal Student Aid website. The advice still applies! Podcast Notes There are two main types of student loans: Federal Loans - provided by the government based on your FAFSA resultsPrivate Loans - provided by a private lender like a bank or company FEDERAL LOANS:  there are a few different types of federal student loan options.  Subsidized: government pays the interest while you are in school Unsubsidized: You're responsible for the interest accrued while in school  Parent Plus: Loans your parents take on your behalf Grad Plus: For graduate students based on a federal aid package   All of these federal loans have various repayment options. Standard, income-based, and gradual repayment plans are some examples.  Income-based repayment plans all come with loan forgiveness later down the road (20-25 years).  Public Service Forgiveness is available if you are employed by a U.S federal, state, local, or tribal government, or not-for-profit organization. This is a 120-month or 10-year program.  The Federal Government put an administrative pause on federal loans the last two years as part of COVID relief efforts, which is a huge benefit of federal loans.  You can apply for your own deferment or forbearance if you are personally experiencing a hardship.   Federal loans can be consolidated into one big federal loan. This opens up other repayment options and can simplify your payments.  You can refinance your federal loans into private loans, if you wish. Though it is rarely recommended because you lose the flexibility and benefits that come with federal loans.  Unlike other collections, student loans don't go away. You do have the option for loan rehabilitation. It's important to be prepared and organized for this process because you only have one chance with this program. A trainer can help get your ducks in a row.  PRIVATE LOANS:  Typically supplemental funds families take out if they don't have enough federal aid to cover the cost of school. They can be used to cover living expenses and fees and other school-related costs.  These are more similar to a traditional loan because they are held by a private lender, bank or company that handles only student loans  They are under no obligation to honor and forgiveness or other programs the government is offering with federal loans One perk of private loans is it is a competitive industry, so there are options for refinancing as your income and credit score increase.  OVERALL THOUGHTS ABOUT STUDENT LOANS  When it comes to student loans, the goal doesn't always have to be ‘get the balance to 0' Student loan payments are money you can't get back once you pay it.   Instead of paying student loans off early, there are other financial priorities to focus on, depending on your situation. It could be high-interest debt, saving into an emergency fund, or investing for retirement.  Student loans don't need to be an emotional burden or cause you stress.  Federal student loans came about during the cold war. They wanted to encourage a population full of people with higher education to keep them competitive in the space race and other global affairs.  Because there are no regulations around the cost of school, the price has gone up astronomically. There are a lot of issues within the workings of higher education and we carry that burden on our backs through these loans.  It is absolutely okay to just pay the minimum. The government prefers you pay the minimum and use your money to stimulate the economy. Doing things like saving for retirement, buying a home, shopping at local businesses. Meet The Trainers Meet Joy Liu, Head of Trainer Academy and Certified Level 2 Trainer  Meet Mike Poulin, Level 2 Certified Financial Trainer  If you want one of our Certified Financial Trainers to work with you on a student loan strategy, book a complimentary consultation today! 

It's been over 10 years since our family jumped on the Dave Ramsey Baby Steps.  Was it worth it? In this BEST OF BREAD & WINE episode, Nicole and I review both the pros and cons of the Dave Ramsey Baby Steps after hitting Baby Step 7.  BREAD & WINE RESOURCES FamZoo:  Prepaid debit cards for kids and financial education all in one! Use promo code “MKMFAMZOO” for an extra month of FamZoo! Buy Us a Cheap Bottle of Wine:  And we'll give you a shoutout during the show - thanks for the idea, Jacob! MKM RESOURCES YouTube Instagram  Voicemail DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com.

5 Tips To Help You Consolidate Debts. Recent studies have shown the average American is about $10,000 in debt. Because of this, many people are looking for ways to consolidate their debts. It is not always an easy task to find ways to get your debt consolidated, but it is possible. Often, it can be important to consolidate debts because doing so can help your financial future become a bit brighter. It also helps you in short-term financial ways as well. The following are a few tips that can help you consolidate your debts to help improve your financial picture.---Welcome to Healthy Wealthy Academy. Learn how to be healthy, wealthy, and get happiness with KOKOSHUNGSAN®. Please subscribe and hit the notification bell for the latest updates. If you like it, please like, share it, and leave comments. Thanks For Your Support And For Helping Us Make The World A Better Place.Please subscribe to our youtube channel also at https://bit.ly/3jUb4PD and hit the notification bell for the latest updates. If you like it, please like, share it, and leave comments. Thank you :)

How To Get A Personal Debt Consolidation Loan Quickly And Easily. Are you in need of personal debt consolidation loan? Do you lack the time it may take to figure out all you need to obtain a personal debt consolidation loan? Here are a few basic tips that might help you obtain your personal debt consolidation loan in a quick and easy manner.----Welcome to Healthy Wealthy Academy. Learn how to be healthy, wealthy, and get happiness with KOKOSHUNGSAN®. Please subscribe and hit the notification bell for the latest updates. If you like it, please like, share it, and leave comments. Thanks For Your Support And For Helping Us Make The World A Better Place.Please subscribe to our youtube channel also at https://bit.ly/3jUb4PD and hit the notification bell for the latest updates. If you like it, please like, share it, and leave comments. Thank you :)

In today's episode Lou and Teresa speak with Ashley Gordon who is a CPA and has a Master's in Accounting. Ashley shared specifics on how she and her husband Vernon developed and executed a plan to become debt free. Since this isn't a fairy tale, you should know it required hard work and sacrifice. But, they did it! Ashley and Vernon are Pastors and Co-founders of The Life Church, a dynamic ministry in Richmond, VA. Listen in!Find the latest blog here:  https://www.earringsoff.com/post/introduction-to-tea Marketing and Social Media Strategist:     Madison Jones Theme song:                                                               D-Techneekz Logo Design:                                                               Claire Ritter Producers:                                                                   Lou Ali and Teresa Vaughan

Now they're married and their money management differences are a big deal. Statistics say money issues in a marriage can be disastrous. What happens when you mix a little oil and water? Links and Resources: Website: Educounting Facebook: fb.com/moneywithmakng Twitter: @moneywithmakng Instagram: @moneywithmakng YouTube: Educounting

Brian Preston from The Money Guy Show cautions young investors not to pay off the mortgage too early. Here's why he feels passionate about not rushing to have that paid-off house. SHOW RESOURCES Tello:  http://www.marriagekidsandmoney.com/tello Firstly:  http://www.marriagekidsandmoney.com/firstly The Money Guy Show:  https://www.moneyguy.com/ 

What happens when two people have almost identical backgrounds in life but are polar opposites on money? How did it turn out so differently? Links and Resources: Website: Educounting Facebook: fb.com/moneywithmakng Twitter: @moneywithmakng Instagram: @moneywithmakng YouTube: Educounting

During my sophomore year in college every day as I walked to class, I passed tables where vendors urged students to fill out a credit card application, bribing us with a free t-shirt, water bottle, or key chain, so I signed up for one. I received preapproved offers in the mail, and within three years I owned 13 credit cards and owed $10,000. Things really went downhill when I moved out on my own. After six months I lost my job and my credit got even worse: I owed $11,000. I bought a car in my name for my boyfriend who agreed to pay the car note. He stopped making payments and the car was repossessed. I ended up owing $8,000 dollars on top of the $11,000 that I already owed. During this time I was working full-time, making $21,000 a year.I put myself on a budget and set up payment plans with each creditor. I found a part-time job to help pay down my debt. I worked both jobs for one year. By the end of the year, I saw results and had paid down some of my debt. However, the entire process to become completely debt-free took four years. Here are 10 techniques I used to pay my debt:-----Welcome to Wealthy Academy. Learn how to be healthy, wealthy and get happiness with KOKOSHUNGSAN®. Please subscribe and hit the notification bell for the latest updates. If you like it, please like, share it, and leave comments. Thanks For Your Support And For Helping Us Make The World A Better Place.Please subscribe to our youtube channel also at https://www.youtube.com/channel/UC0QxTVPrqLnOfBSSETxgKQA and hit the notification bell for the latest updates. If you like it, please like, share it, and leave comments. Thank you :)

WOW what a year it's been... In today's episode, we give you a complete recap of our 2020 year. We also chat about where we've been financially and where we are now.  We want talk with YOU about your highs and your lows so we can normalize conversations about money with normal people. If you are interested in chatting with us and telling your story, or asking us questions, please reach out! Send us an email thepriceofavocadotoast@gmail.com or reach out on Instagram @thepriceofavocadotoast Do you have a question for us or suggestions for future episodes? Check out our website, linktr.ee/thepriceofavocadotoast, where you can leave us feedback regarding what YOU want to hear more of! You can also email us at thepriceofavocadotoast@gmail.com  Follow us on @thepriceofavocadotoast on Instagram and @PriceAvocado on Twitter! -Book your FREE financial coaching consultation with our Financial Coach, Ryan @mefinanciallyfree on Instagram. Type the code HELP50 in the consultation notes.  Check out by Producer Bearcatshark's new album, Take It Back! All streaming revenue goes to Black Lives Matter and Color of Change. His new album is available on all streaming platforms. Follow @bearcatshark on Instagram!

#001 - Welcome to the first episode of the All Things Money Podcast!  In this episode, you'll get to know Mayra Alejandra.  She explains how and why her family began their debt-free journey.  Stay in touch with Mayra Alejandra by heading over to MayraAlejandraGarcia.com and sign up to receive her emails!  Thanks for listening!  

Are you wondering if it's better to pay off your mortgage, save or invest your extra cash right now? So is Samme from Chicago! I have some thoughts that I share with Samme on what to do with her money now that she's debt-free and starting to build wealth.

Are you a mom who struggles with money and wants to finally gain financial stability? In this episode, Asha takes a moment to break down 12 tips to assist you with thinking and growing wealth for your family. By implementing these 12 tips into your family's routine, she is confident that you—and all mothers—will be able to do just that for her family, no matter its structure. YouTube is the best website to visit when searching for videos about any subject. If you prefer a visual instead, be sure to subscribe to my YouTube channel: www.youtube.com/channel/UC7V4LcNP0qZ-oVjKQDqYCOw That brings me to the end of this description, however, if you want more totally free content for mommy inspired tips, visit our website at www.ashagilliam.com. My goal is to spend as much time offline as humanly possible. I have two little guys that demand my attention outside of work and am aware that you have little ones that are just as demanding as mine are. If we're not connected on Facebook, Instagram, or Twitter, be sure to find me there. MONEY MAKING MOMMIES FB COMMUNITY:  MOMMY TALKS PODCAST INSTAGRAM: ASHA'S PERSONAL TWITTER ACCOUNT: MOMMY TALKS SHOWNOTES:  If there is something that we aren't covering but you would like more information please email my team at support@expandingwithasha.com and let me know how I can be of service to you and your family.

Who is M.E.O.? What is she even talking about? In this episode, Asha takes a moment to explain who she is and how she got here. This show will cover a variety of topics including the following: Financial literacy Importance of financial literacy Importance of financial literacy for mothers Importance of financial literacy for single mothers Starting a business while still Mommying Growing a business while still Mommying YouTube is the best website to visit when searching for videos about any subject. If you prefer a visual instead, be sure to subscribe to my YouTube channel: www.youtube.com/channel/UC7V4LcNP0qZ-oVjKQDqYCOw That brings me to the end of this description, however, if you want more totally free content for mommy inspired tips, visit our website at www.ashagilliam.com. My goal is to spend as much time offline as humanly possible. I have two little guys that demand my attention outside of work and am aware that you have little ones that are just as demanding as mine are. If we're not connected on Facebook, Instagram, or Twitter, be sure to find me there. MONEY MAKING MOMMIES FB COMMUNITY:  MOMMY TALKS PODCAST INSTAGRAM: ASHA'S PERSONAL TWITTER ACCOUNT: MOMMY TALKS SHOWNOTES:  If there is something that we aren't covering but you would like more information please email my team at support@expandingwithasha.com and let me know how I can be of service to you and your family.

Are you a single mother worried that decisions that you've made due to being overwhelmed by your financial situation may have a negative effect on your child(ren)? In this episode, Asha takes a moment to point out what society indicates happens to children raised in a single parented household. She then reassures you that although society has made these assumptions about you and your family there is still hope, and she presents you with the "Best Mommy Ever Award" for your awesomeness to encourage you to continue to strive toward providing your children the best, against all odds.   YouTube is the best website to visit when searching for videos about any subject. If you prefer a visual instead, be sure to subscribe to my YouTube channel: www.youtube.com/channel/UC7V4LcNP0qZ-oVjKQDqYCOw That brings me to the end of this description, however, if you want more totally free content for mommy inspired tips, visit our website at www.ashagilliam.com. My goal is to spend as much time offline as humanly possible. I have two little guys that demand my attention outside of work and am aware that you have little ones that are just as demanding as mine are. If we're not connected on Facebook, Instagram, or Twitter, be sure to find me there. MONEY MAKING MOMMIES FB COMMUNITY:  MOMMY TALKS PODCAST INSTAGRAM: ASHA'S PERSONAL TWITTER ACCOUNT: MOMMY TALKS SHOWNOTES:  If there is something that we aren't covering but you would like more information please email my team at support@expandingwithasha.com and let me know how I can be of service to you and your family.

In this episode:  -Preparing for the unexpected -What can you do to prepare for situations where life blindsides you and completely knocks you on your butt -Our story of how The Price of Avocado Toast started Do you have a question for us or suggestions for future episodes? Text us at (707) 234-5344. You can also email us at thepriceofavocadotoast@gmail.com Follow us on Instagram or on Twitter! -Book your FREE financial coaching consultation with coach Ryan @mefinanciallyfree on Instagram. Type the code HELP50 in the consultation notes.  -Music by Producer Bearcatshark. Follow @bearcatshark on Instagram! Music available on all streaming platforms.

On this episode I sit down with Shang (IG: @savemycents) and talk about life, career and passion. Shang is a household name in the #DEBTFREECOMMUNITY and has been intentional with her life, career and passions. Making extreme, intentional and strategic moves with money - allowed her family to become financially free and work optional at a very young age. If you are looking to become better in life, career and finances - you don't want to miss this episode!  Where to find me: IG: @nellycatic   bit.ly/leadershipdefinedpodcast Use my link to download a 30 day free Audible Trial: audibletrial.com/leadershipdefinedpodcast  

I am really excited to share this interview with the gorgeous Amy who shares her experiences raising a young family and living simply in her best 'aussie mum life'. Her easy meal plans, relatable grocery hauls and establishing simplicity in her household are to be admired! I am so thankful she is a part of my podcast episode today. I would love it for you to share this episode with someone in your family or friendship network. All you need to do on your device is tap the three dots on the right hand side of the screen which will bring up the share icon making it easy for you to message them instantly. You can even share this episode directly on social media using this icon and when you do please tag me at #thisorganisedhome on instagram so I can share it with everyone. Lastly, if you liked this episode and want to hear more like this, please give this episode a five star review on your listening broadcast network.https://www.instagram.com/this_organised_home/   https://thisorganisedhome.wixsite.com/home Follow Amy on her instagram page https://www.instagram.com/myaussiemumlife/

We're talking about student loan debt in this episode with Kofi Gyebi of 400 LB Elephant. After seeing his student loan balance, Kofi got motivated to pay it off and did so in a year. We dig into how he could have approached college differently, the lifestyle changes Kofi needed to make, and his journey towards FIRE. Check out the show notes at http://WinningToWealth.com/Episode21 Download My Free Book: WinningToWealth.com/Guide Join My Online Community: WinningToWealth.com/neighbors

Today's guest is Albert Daley- an occupational therapist who was able to successfully pay off $45,000 in just 22 short months. Listen in as he shares how he found himself in debt, steps he took to get out of debt, and if he would change anything about his journey. Show Notes: WinningToWealth.com/episode20 Download The Money Guide: WinningToWealth.com/Guide Join Our Online Community: WinningToWealth.com/neighbors

Rachael Hanible is the Amazon Best-Selling Author of the children's book Amber's Magical Savings Box. In this episode, we talk about her journey to financial freedom and how parents can set their kids up to win with money. Be sure to buy a copy of Amber's book on the show notes page. The sponsor for today's episode is Everyday Life- life insurance that adjusts as your needs change. Join The Neighborhood: Facebook Instagram YouTube Twitter Pinterest  

How does growing up in poverty affect the financial habits you bring into adulthood? I share my thoughts and my story in this week's Money Talk Monday segment. Connect With Me: Facebook Instagram YouTube Twitter Pinterest

This episode is touching on how to become debt free especially under student loans. --- Send in a voice message: https://podcasters.spotify.com/pod/show/elaraent/message

I was honoured & nervous to talk with Amanda from DebtFreeInSunnyCA.COM. Amanda was the creator of the #DebtFreeCommunity because when she went looking for support on her debt free journey, she couldn't find through the Instagram platform. So she did what any great woman entreprenuer would do... she just created one. Amanda literally created a, or should I say THY Debt Free Community. She talks about her $133,000, 3 1/2 year debt free journey and how she was straight up dumb with car payments, & car loans with negative equity. Aren't we all... Amanda discusses her website, future endeavours and a few steps to help others who embarking on a journey to financial freedom. Please if you enjoy the episode, and The Debt Dad Show, subscribe & share it with others so they too can discover the freedom of being Debt Free. You can find Amanda on Instagram HERE Or on her website www.debtfreeinsunnyca.com For a 10% discount on Amanda's site use at checkout the promo code: anchorsaway You can get a hold of me for show information or questions for the show, or if you have completed a debt free journey of your own and would like to be a guest on The Debt Dad Show at: aemoneysolutions@outlook.com Or any of the social media platforms below Website - Here Instagram - Here Facebook - Here Twitter - Here Remember, the more you share The Debt Show with others the more we get the information out to people to encourage them to become debt free. So, LIKE, SHARE, SUBSCRIBE --- Send in a voice message: https://anchor.fm/debt-dad/message

Learning how to work on the savings account and building money for the long-term.Only sixteen and a half percent of Millennials have over $20,000 in savings. Only sixteen and a half. So what’s the problem? Savings. We need more savings. We need you to have more money in your pocket.So why don’t people have more money in their pocket? Because of five different challenges:IncomeExpensesTaxesInvestmentsIdentity. A lot of times people say, “Man, I want to have a very big income.” Well, you may have a big expense problem. Because what’s left is what matters to you, right? And then there’s taxes, but that’s a whole different discussion we’ll have.So think about two examples here:Example number one- We have somebody that makes $250,000 every year. That’s a quarter million dollar annual income. Many would say, “God, I wish made a quarter million dollar a year income.” Many people make a quarter million dollar a year income. But that same person spends $280,000 a year. That means he’s losing $30,000 per year. You know how many people I know like this? Hundreds of people that overspend what they make.Example number two- Somebody makes $80,000 per year but they only spend $60,000. They keep $20,000 per year. The guy making $80,000 is saving more than the guy making a quarter million dollar a year income. So one has an income problem, because this guy would love to make a quarter million. The other guy has an expense problem; This guy wishes he only spent $60,000 per year.So you may say, “Well, Pat. Okay. I want to make money.” Well, let’s talk about your income and expense problem first.Let’s first start off with income.What do you do to increase your income? If you have a job today and you’re watching this and if you don’t have something you do on the side, but you know every single talk show at night that you watch … Netflix, all this other stuff, you’re wasting your time. You don’t really care about have a lot of money. You’re just hoping to get lucky.If you got a job and you’re broke, there’s no reason you should be coming home at night to watch TV. You should be selling something, creating something, learning a skill, having a side hustle, working overtime, getting another job on the side. You need to be selling something. And the highest paid money … the highest paid skill that you can learn about making more money is sales. Number two, let’s talk about expenses.You need to fire your consultant. If you’re a business owner running a business and you may have somebody doing a website for you, designing a logo for you, doing all this other stuff for you. Guess who they use?They need to act like they’re the consultant but they go behind closed doors and they use company called Fiverr, which by the way, this video is sponsored by Fiverr. You just saw recently we teamed up with Fiverr. And everyone knows, you could go back to watch many videos in the past. I love Fiverr. I spent hundreds of thousands of dollars before I realized all these consultants could be found elsewhere.What else can you do to minimize your expenses? Renegotiate all your contracts. Go through your monthly expense on what you’re spending on a monthly basis. Renegotiate your phone bill, renegotiate your cable bill. Renegotiate your cell phone bill. Renegotiate your internet bill. Renegotiate your dry cleaning rates. Go to your dry cleaners and say, “Man, I’ve been a customer of yours for 10 years, can you give me a discount?”Renegotiate your tailor. Renegotiate every single thing. Every month I pull my director of finance aside and I say, “Who do we spend money on? It’s time to go renegotiate. We’ve been a customer with them for five years. How much money have we spent? Renegotiating time. Renegotiating time. Renegotiating time. Renegotiate all your contracts.Live below your means. Listen, for a long time for myself, the reason why a lot of people don’t have money and savings to be able to double that money is because they overspend. Why do you go to Starbucks? Who cares about Starbucks? I even own Starbucks stock. I should be telling to go buy Starbucks but why are you going to Starbucks? Why five bucks? Go to Dunkin’ Donuts, a buck fifty, buck 75. Go to 7/11 seventy-five cents what is it ninety nine cents. How much is it? Dollar twenty something right, you go to 7/11. Stop going to these name places. Stop going to all these places you’re spending all this money on.Live below your means. By the way, I had a quarter million dollars in the bank and I was driving a Ford Focus. I was worth nearly 10 million dollars and I was renting. I was renting a small place and I was worth 10 million. Nearly 10 million and nobody knew it. I’m renting and everybody would say, “I can’t believe you’re a millionaire and you would live in a place like this and you would rent it. Denver Post came out to me and they wrote an article saying, “This CEO and entrepreneur believes that real estate isn’t the American dream.” I said, “Absolutely it’s not.”Because I was renting and everybody was criticizing me. Live below your means. Rent everything you can, for a long time. Rent everything you can. Use technology on minimizing payroll if you’re running a company. Have fewer employees pay higher. So don’t try to hire way, way, way too many employees. Have fewer employees, pay higher. You’ll keep them loyal so you don’t have to constantly going through new employees new employees new employees. Pay higher. Higher fewer. And then obviously, fire your consultants.Next is taxes.You know, sometimes … I mean, think about this … This quarter million dollar income guy or girl … if he or she lives in New York or LA versus Texas. This person’s paying an additional nine to 13 percent. Most likely 13% just for living in New York and for living in California. If it’s 10% on a quarter million that’s an additional $25,000 that went to the state that you wouldn’t be paying if you were living in the state of Texas, Nevada, I think Tennessee is one of them. Florida. There’s five or six states that you don’t pay any state taxes in.So by the way, taxes is another issue you may be having. You need to sit down and figure out long term planning on what kind of money you want to really make. And how do you position yourself in the right place. I was in Florida last week. I was in Miami and I was in Orlando and I said, “The state of Florida’s governor must be the worst recruiter in the world”. Because if I was the governor of Florida, I would have more Fortune 500 headquarters there than any other state, including Texas, although Texas is tied with New York right now. I think they’re competing for number one spot. I’d have everybody there. The weather is amazing and you can pay no taxes in the state of Florida. Taxes is another issue that you may be facing.Next one is now investments.So let’s talk about investments here. All investments fall under these four different categories:You have high-risk, low return.You have low-risk, low return. (this is like your money market account, your savings, your cash)You have low-risk, high return.You have high-risk, high-return, (High-risk, high return could be penny stocks)The bigger the company or the stock could be lower here. For instance let’s just say low-risk. Wal-Mart may be a lower risk. And I don’t know how to hide the returns. They may be here. High-risk, low-return there’s a lot of investments that you go out there and you buy companies saying, “Man, you know if … this company really takes off it could do this.” But there’s not really a high return on it. So, here’s how to double your money:This is the rule you gotta be thinking about. Rule of 72 and the rule of 105. It’s basic math. Rule of 72 is how long it takes for your money to double. So, what happens is, whatever interest you get per year, you divide it by 72. Meaning, if I want to get 72% every year on my money, that means it’s gonna take one year for my money to double.If I make 36% return on my money, it’ll take my money two years to double. If I make 24%, three years. Eighteen percent, four years. Twelve percent, six years. Nine percent, eight years. Six percent, twelve years.The same math applies on the 105 except this is how long it takes for your money to triple. So you would take … If I get 50%, that means, it would my money two years to triple. Same exact thing. You divide the 105 by the interest you’re getting on how long it would take your money to double or triple.So you may say, “Pat, I would love to have 72%. Is there something like that out there? I would love to have nine percent. Is there something like that out there?” The decision you gotta make is you gotta answer two things. What’s your risk tolerance? And what’s your time horizon?Let’s talk a little bit about going back to this on the investment side. A few things you gotta keep in mind about investments. People send me emails and they’ll say, “Do you think I need to invest in Uber? Do you think I need to invest in SnapChat? Do you think I need to invest in Facebook? Do you think I need to invest in this stock? What do you think about this ticker?” And they’ll send it to me, all the time, all the time. They just want me to go through their tickers. And I’m not doing that. I’m a series seven broker. Series six, 31, 26 [inaudible 00:10:58] securities all this other stuff. But I’m not doing that on [inaudible 00:11:01]. I am more concerned about you getting the right mindset than trying to pick the next stock.I was at the flower shop the other day. And these successful Iranians who own this flower shop and they come to me and they say, “Look, everyone knows who you are and how successful is your business. Give us one tip on where we should invest.”I said, “I don’t give those tips. My goal is to make you think right.IF you think right you’ll learn how to double your money.”http://www.patrickbetdavid.com/double-money/

A gentle nudge for those who haven’t started yet.