Podcasts about Overspending

Jim McTague reports on a Lancaster County data center windfall, providing millions in fees and taxes to help bail out local budgets and school overspending in Pennsylvania Dutch country.1689 CHARLES II AND WILLIAM PENN

What happens when good intentions meet bad ROI? This week, Jamie tackles the spending decisions that quietly drain coworking operators' margins—and shares what to do instead. Fresh from working with clients who are making these exact mistakes, Jamie breaks down the four most common areas where operators overspend: marketing agencies that don't understand local business, IT retainers that sit unused, social media managers in markets where Instagram doesn't drive leads, and $20,000 custom websites that look beautiful but don't convert. This episode is direct, practical, and yes—a little bit of a rant. But if you've ever wondered whether you should hire an agency, pay for an IT retainer, or invest in a custom site, you need to hear this. We talk about: Why most marketing agencies can't deliver ROI for single-location operators (and the one exception) How to set up your IT infrastructure once and stop paying monthly retainers The truth about social media for coworking spaces—and when it actually works What makes a website convert versus just look pretty Why studying marketing as a business owner will save you tens of thousands of dollars If you're a new operator trying to figure out where to invest—or an experienced one wondering why your margins feel tight—this episode will help you make smarter decisions with your budget. Resources Mentioned in this Podcast: SpaceFully Everything Coworking Featured Resources: Masterclass: 3 Behind-the-Scenes Secrets to Opening a Coworking Space Coworking Startup School Community Manager University Follow Us on YouTube

Jimmy Barrett takes you through the stories that matter the most on the morning of 02/05/26.

Dems have plan to deal with less money in state budget. https://ktvz.com/news/2026/02/02/oregon-revenue-chairs-agree-to-proposed-revenue-deal-odot-funding-still-uncertain/ They are gonna steal parts of the Big Beautiful Bill that help small businesses: https://www.ijpr.org/politics-government/2026-02-02/oregon-democrats-float-plan-to-reclaim-state-money-lost-to-trump-tax-cut-bill?_amp=true Poll: OR voters sour on Dem leadership: https://www.bizjournals.com/portland/news/2026/02/02/dhm-research-suvey-oregon-direction-pessimistic.html Standing filibuster verses zombie filibuster: https://americafirstreport.com/luna-senate-set-to-employ-standing-filibuster-to-advance-save-act-amid-shutdown-standoff/  

Overspending is a problem for people whether you have a budget or not. There are a lot of causes for overspending and they're all emotional and logistical. Problems like convenient spending, decision fatigue and lifestyle creep as something we've "earned". By having an honest conversation with ourselves (and if need be, your spouse), a lot of these can be fixed overnight with a few simple changes.Love This? Leave a ReviewHelp more pros find us and just take 10 seconds: • Apple Podcasts: [https://shorturl.at/Jhlez] • Spotify: [https://shorturl.at/8IeVM] Connect with Stephen Website: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube: [youtube.com/@stephencourson] About Lifebuilder The Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to get unstuck and move forward.

1. Click Here to book your Complimentary Wealth Building Strategy Consultation. 2. Interested in The Stop Overspending Course? Click here to learn more & to get started! 3. Follow Me on Instagram → @germainefoleycoaching

In this episode of PennyWise, host John Kiernan and guest Lauren Weatherford, an associate professor at West Virginia University Extension, talk about how to get through Valentine’s Day without overspending…or putting your relationship in jeopardy. John and Lauren discuss the best ways to celebrate on a budget, how to cost-effectively impress your significant other, and major mistakes to avoid. If you have love in your life but not enough money to go around, this V-Day edition of Pennywise is for you!   More on this episode from WalletHub:  Best Credit Cards of 2026 Valentine’s Day Spending Survey  Best Jewelry Store Credit Cards  Valentine’s Day Facts Best Places to Celebrate Valentine’s Day Free Gift Ideas You could also give your Valentine a WalletHub Premium subscription this V-Day. After all, things like budgeting tools, credit-improvement help, and identity protection are gifts that keep on giving. 

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, Billy and Andrew tackle the all-too-familiar January reality: opening that credit card statement after the festive season. They share practical strategies for dealing with post-Christmas debt without shame, from conducting a quick 30-minute spending reset to cutting invisible aftershocks like forgotten subscriptions. You'll learn why paying off debt trumps preserving savings balances, how to triage expenses without raiding long-term investments, and the simple math behind building a December buffer.  Tune in to discover how to reset your systems, not just your willpower. - This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis &  Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of Akumin Financial Planning – AFSL 232706   Episode Highlights Acknowledging overspending without shame or avoidance The 30-minute spending reset to categorize December/January expenses Cutting invisible aftershocks: subscriptions, deferred payments, and planned projects Why you should pay off credit card debt immediately, even from savings Triage before optimize: protecting long-term investments while clearing short-term debt Building a December buffer with small, consistent savings throughout the year Resetting financial systems instead of relying on willpower   Connect with Billy and Andrew! 360 Financial Strategists    Check out our latest episode here:  Apple Podcast Spotify  

Wasanga Mehana speaks to Thapelo Tsiu,Financial Wellness Coach, about how to recover financially from the festive season and how to better plan your finances in the future. Tags: 702, Aubrey Masango show, Aubrey Masango, Wasanga Mehana, Financial planning, festive season The Aubrey Masango Show is presented by late night radio broadcaster Aubrey Masango. Aubrey hosts in-depth interviews on controversial political issues and chats to experts offering life advice and guidance in areas of psychology, personal finance and more. All Aubrey’s interviews are podcasted for you to catch-up and listen. Thank you for listening to this podcast from The Aubrey Masango Show. Listen live on weekdays between 20:00 and 24:00 (SA Time) to The Aubrey Masango Show broadcast on 702 https://buff.ly/gk3y0Kj and on CapeTalk between 20:00 and 21:00 (SA Time) https://buff.ly/NnFM3Nk Find out more about the show here https://buff.ly/lzyKCv0 and get all the catch-up podcasts https://buff.ly/rT6znsn Subscribe to the 702 and CapeTalk Daily and Weekly Newsletters https://buff.ly/v5mfet Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567See omnystudio.com/listener for privacy information.

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 In a society where selfishness and blind obedience are the norm, love and happiness vanish.For most people, the top priority is worrying about what others think of them.The generation raised on mobile phones is the unhappiest in modern history — unhappier than the previous three generations.Even worse, almost everyone wants to fit in, which gives politicians the freedom to do whatever they want.Our generation fought for peace, social justice, and freedom — and we achieved it.The mobile-phone generation, however, mostly cares about how they pose themselves on social media, and ignores politics.The results?Censorship.Overspending on the military-industrial complex.Massive corruption, with money funneled into wars that never serve the citizens.Coincidence?My childhood was hell — and because of that, I decided to change my life completely.I chose happiness, love, spiritual well-being, and health — regardless of what others thought of me.And I achieved that, living outside the rules of society.Yes, I was bullied. People abandoned me.My family cut ties, and I laughed it off.Girlfriends tried to censor or “tame” me — and dared to call that love. I walked away.Even now, I see women trying to censor men in almost every relationship — and the men are too cowardly to resist.For example:I became a devotee of Bhagwan and wore red.Bhagwan encouraged free sharing of love and sexuality — even group experiences.I invested all my money in therapy, sold my car, and moved into a 4-person community.I lived in India in an Ashram for 10 years, and in other Ashrams across Europe.I changed my gurus many times.I repeatedly healed my body using alternative methods when doctors failed me.I've eaten only raw food — no rice, no noodles, only vegetables and fruit — for 40 years.I have been drug-free for 40 years.I meditate and practice Qigong every day.If you read the success stories of entrepreneurs like Steve Jobs, Bill Gates, Mark Zuckerberg, and Elon Musk, you'll see that they became successful by refusing to live by society's standards.And what about religion and spirituality?Look at the lives of Buddha, Muhammad, Jesus, Moses…Did they conform to society — or did they leave it?If you want to be truly happy, successful, or spiritual, you must leave the herd mentality.You must become your own master and stop caring what others think.Otherwise, you are letting fear dictate your life.And fear is a terrible guide.Remember: Nazism comes before the downfall — the Bible warned us.My Video:  Never Get Enslaved https://youtu.be/O-Xn6jrvPMAMy Audio: https://divinesuccess.net/wp-content/uploads/2021/Podcast5/Never-Get-Enslaved.mp3

COSTLY MISTAKES OVERSPENDING IN RETIREMENT FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS   Tyler Kluge | CFP®, CPWA®, CDFA®, CEPS Financial Planner, BWFA Tessa Hall Media and Communications Specialist, BWFA Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA About This Episode Holding retirement savings in cash may feel safe, but over time inflation erodes purchasing power. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain why too much cash can become a costly mistake—and how to find the right balance for long-term security. You'll also learn why professional planning helps ensure that your money continues to grow, even as your needs and goals evolve. Full DescriptionMany retirees feel comfortable keeping large portions of their retirement plan in cash. It provides stability, avoids market swings, and seems like the safe choice. However, cash alone cannot keep up with inflation. Over the years, rising prices quietly reduce its value, leaving less to cover healthcare costs, everyday expenses, and the retirement lifestyle you planned. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr., Tyler Kluge, and Tessa Hall explain why holding too much cash can be risky. While every plan needs liquidity for emergencies, relying on cash at the expense of growth may limit your long-term success. Together, they share insights on how to strike the right balance, ensuring you maintain flexibility today while protecting your future purchasing power. Listeners will also hear how professional financial planning can help determine the right mix of cash, bonds, and equities. With careful guidance, it is possible to feel secure while still allowing your portfolio to grow. At BWFA, we believe retirement is about more than safety—it's about sustainability. This episode offers practical guidance for making smarter decisions, avoiding common pitfalls, and staying on track for the future. By learning how to balance risk and reward, you can create a retirement strategy designed to last. For more retirement strategies, visit BWFA's Financial Planning Services.

COSTLY MISTAKES OVERSPENDING IN RETIREMENT FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS Tyler Kluge | CFP®, CPWA®, CDFA®, CEPS Financial Planner, BWFA Tessa Hall Media and Communications Specialist, BWFA Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA About This Episode Holding retirement savings in cash may feel safe, but over time inflation erodes purchasing power. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain why too much cash can become a costly mistake—and how to find the right balance for long-term security. You'll also learn why professional planning helps ensure that your money continues to grow, even as your needs and goals evolve. Full DescriptionMany retirees feel comfortable keeping large portions of their retirement plan in cash. It provides stability, avoids market swings, and seems like the safe choice. However, cash alone cannot keep up with inflation. Over the years, rising prices quietly reduce its value, leaving less to cover healthcare costs, everyday expenses, and the retirement lifestyle you planned. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr., Tyler Kluge, and Tessa Hall explain why holding too much cash can be risky. While every plan needs liquidity for emergencies, relying on cash at the expense of growth may limit your long-term success. Together, they share insights on how to strike the right balance, ensuring you maintain flexibility today while protecting your future purchasing power. Listeners will also hear how professional financial planning can help determine the right mix of cash, bonds, and equities. With careful guidance, it is possible to feel secure while still allowing your portfolio to grow. At BWFA, we believe retirement is about more than safety—it's about sustainability. This episode offers practical guidance for making smarter decisions, avoiding common pitfalls, and staying on track for the future. By learning how to balance risk and reward, you can create a retirement strategy designed to last. For more retirement strategies, visit BWFA's Financial Planning Services.

Send us a textThe best approach in any relationship is to be your authentic self. If someone chooses to end a relationship or friendship, it simply means the connection wasn't right for you. It's far worse to realize that someone is staying in your life only because of what you can offer them.https://www.instagram.com/traceylau99/

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Missionary martyr Jim Elliot famously wrote, “He is no fool who gives what he cannot keep to gain what he cannot lose.” Those words capture a vision of life that values eternal reward over temporary success—and they're being lived out today in an unexpected place: the NFL.When many people think of professional athletes, generosity may not be the first word that comes to mind. But Kirk Cousins, a 4-time Pro Bowl quarterback, is quietly challenging that assumption. For Cousins, faith isn't a compartment—it's the lens through which he approaches football, finances, family, and the future.A Faith Shaped at HomeKirk often points back to his upbringing as a pastor's kid. His parents modeled two complementary virtues: careful stewardship and open-handed generosity. Budgets mattered. Overspending was avoided. But when it came to helping others, generosity was practiced freely.That example left a lasting impression. As Kirk puts it, generosity was caught, not just taught. Watching his parents hold money loosely prepared him for a future where financial decisions would come with far greater stakes—and far greater temptation.When Kirk entered the NFL, the learning curve was steep. His first signing bonus—a six-figure check—was unlike anything he had ever seen. Unsure how to handle it, he called his dad for advice, only to discover they were navigating unfamiliar territory together.That moment marked the beginning of a stewardship journey that continues today. From the start, Kirk committed to simple but demanding principles: give first, save wisely, and live within bounds. Practicing those habits early helped anchor him when income grew and public pressure mounted.The Tension of a Finite CareerUnlike many professions, professional athletics comes with a built-in expiration date. That reality creates a unique tension: the need to save aggressively while still giving generously. For Kirk, that tension has become an invitation to trust God more deeply.Giving can feel risky when a career is visibly diminishing. Yet Kirk sees those moments as opportunities to shift the pressure off himself and back onto God—to believe that obedience and generosity create space for God to provide and direct what comes next.From Rules to RelationshipOne of Kirk's most compelling insights is the distinction between religious box-checking and genuine discipleship. It's possible, he admits, to treat giving like a checklist—do the minimum, meet the requirement, move on. But that's not the abundant life Jesus describes.Instead, Kirk points to Jesus' parable of the hidden treasure. When the treasure is truly seen as valuable, surrender becomes logical, even joyful. Financial decisions don't lead the heart; the heart leads the finances. When Christ is the treasure, generosity follows naturally.Scripture doesn't give a universal percentage or spending rule for believers. That absence is intentional—it drives us to prayer and discernment. Kirk and his wife, Julie, continue to wrestle with what “enough” looks like for their family, recognizing that the answer requires humility, wisdom, and the Holy Spirit's leading.Money, Kirk says, is a tool—a test, a testimony, and a means to an end. Growth without purpose risks becoming a search for control rather than an instrument for Kingdom impact. The question isn't just how much is being accumulated, but why.Unity in GenerosityOne of the most formative pieces of advice Kirk received early in his career was simple: always give in unity with your wife. That principle has shaped every major giving decision he and Julie make.Disagreement isn't ignored—it's prayed through. Spousal unity, Kirk believes, is often a channel through which God provides clarity and protection. Generosity practiced together strengthens both stewardship and marriage.As they consider estate planning and their children's future, Kirk and Julie intentionally prioritize wisdom over wealth. Their hope is not simply to pass down assets, but to raise children who can steward them faithfully.Their long-term vision includes generous support for their foundation and Kingdom causes, with no desire for wealth to linger aimlessly beyond its intended purpose. In Kirk's words, the goal is impact—not permanence.One place especially close to Kirk's heart is Christian education. His experience attending a Christian high school profoundly shaped his faith, and he's passionate about ensuring future generations have access to a similar formative environment. Supporting schools, teachers, and students has become a meaningful outlet for his generosity.A Different Definition of SuccessKirk Cousins' story reminds us that success isn't measured by contracts, trophies, or net worth—but by faithfulness. In a world that applauds accumulation, his life points to something better: surrender, trust, and joyful generosity rooted in Christ.As Ron Blue often says, the question isn't how much we can keep, but how much is enough—and what God would have us do with the rest.On Today's Program, Rob Answers Listener Questions:I recently sold my business, and after paying off debts and taxes, I expect to have approximately $2–$2.5 million. It's a bit overwhelming, but I feel incredibly blessed and grateful. I have a few questions: How should I invest this money safely, given that I'm pretty risk-averse? How much cash should I keep on hand? And I also have a question about tithing.Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Kirk CousinsJulie & Kirk Cousins FoundationWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down one of the biggest misconceptions in investing: risk. What most people think is risk—market ups and downs—is actually just volatility. The real risk? Overspending your retirement, missing out on growth, or playing it too safe. Bob and Brian walk through the critical differences, offer real-life examples with hard math, and explain how a misread on risk can jeopardize your long-term wealth. Plus, they share insights on stock market bubbles, lessons from the Vanderbilt family's fall from fortune, and whether Roth conversions make sense when you don’t need the money yet.See omnystudio.com/listener for privacy information.

6:05 Scott Hamilton in for Bo and Beth 6:20 Scott and Bernie talk NFL attempted takeover of Christmas day 6:35 Guest: Kailey Welsh (Financial education expert) - Overspending on Christmas 6:50 RAM Biz Update; Scott attempts to talk about Lottery but talks about Cher instead 7:05 Guest: Adam Cancryn (CNN White House reporter) - Epstein files release 7:20 Scott reacts to conversation with Adam Cancryn on Epstein files 7:35 NBA Star Rudy Gobert shows true meaning of Christmas 7:50 UNC looks to relocate the Dean Dome 8:05 Guest: Shelby Swanson (Raleigh News & Observer) - Future of the Dean Dome 8:20 Recapping interview with Shelby Swanson 8:50 Scott compliments the WBTeam 9:05 Scott talks holiday travel 9:20 Guest: Max Trescott (Aviation Expert) - Latest on Greg Biffle plane crash 9:50 Show wrapSee omnystudio.com/listener for privacy information.

Stop falling for the "normal is broke" trap and learn how to identify the 13 sneakiest ways your money is leaking through your fingers. From the depreciation hit of new cars to the silent killer of credit card interest, we're exposing the low-value expenses that keep you trading your time for money. Discover how to cut the waste, pay yourself first, and reclaim the capital you need to start investing in real estate and achieving true financial freedom.

Feeling like your December budget melts faster than an ice cream in the sun? You're not alone; even the most disciplined savers lose control when the festive season hits. In this episode of Everything Counts, Motheo Khoaripe sits down with Investec financial advisor Nirvashni Rajkumar to unpack why we overspend in December, how festive marketing and emotions cloud our judgment, and the practical steps you can take right now to avoid a financial hangover in January. From understanding the psychology behind “DeZemba,” to making your 13th cheque last, and setting a realistic December budget the whole family can get behind. This conversation is packed with real-world strategies to help you celebrate without regret. If you want to end the year with clarity, avoid holiday overspending, and start the next one strong, you're in the right place. 00:00 Introduction 01:30 Why are we prone to overspending during the holiday season? 03:00 How festive marketing drives holiday season spending 04:00 The psychology of holiday spending 06:00 When should we start budgeting for December? 07:00 Planning for holiday season spending isn't a one-person job 08:15 How your financial advisor can help with your December budget 10:00 How to make your 13th cheque last: Confronting financial vulnerabilities 14:00 Top tips to avoid blowing your December budget 15:00 Setting a realistic December budget 18:00 Teaching children about delayed gratification 19:00 Hacks to getting the most out of your holiday season spending 23:00 How to plan and budget for the year ahead 26:30 How to end the year with financial clarity 27:30 Conclusion Investec Focus Radio SA

On the phone-in: Our guest is Emily Rae. She's a Senior Financial Planning Advisor with Assante Capital Management Limited in Halifax. She discusses ways for people to avoid overspending during the holiday season. And off the top of the show, we hear about the possibility of red light cameras being installed at four intersections in Fredericton.

In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions break down some of the most common — and costly — mistakes people make leading up to and during retirement. From emotional investing and improper risk management to underestimating taxes, Social Security timing, and overspending early in retirement, Jim and Casey explain why these issues show up so often… and what you can do to stay clear of them. They share real-world client experiences, discuss the habits that lead to long-term success, and offer practical steps to help retirees and pre-retirees avoid unnecessary stress, poor decisions, and financial regret. http://retirewithmartin.com/ ← Learn about working with us www.planwellretirehappy.com Episode Breakdown 00:00 – Introduction: Why retirement mistakes happen 03:05 – Mistake #1: Overspending early in retirement 06:14 – Mistake #2: Not having a written plan 08:10 – Mistake #3: Not investing your age 10:34 – Mistake #4: Working longer than you really needed to 13:29 – Mistake #5: Ignoring taxes until it's too late 14:23 – Mistake #6: Delaying big decisions 16:50 – Mistake #7: Not reaching out to our team  17:40 – Q&A with Casey 20:45 – Key takeaways & closing thoughts Disclaimer Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties' informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

Welcome to today's ICYMI, where we kick off the week with a quick game-changing tip from one of our guests that you might have missed. Spending can be hella stressful heading into the holiday season, and if you're struggling with debt or with setting up realistic financial goals for the coming year, this is a must-listen reminder for overcoming financial stress and toxic money patterns.A healthy money mindset is the missing ingredient for a lot of people's financial security. So we're throwing it back to this sustainable financial advice from finance coach Nicole Stanley on dealing with debt, setting realistic money goals, and her own journey to get debt-free. Nicole Stanley is the Founder & Head Financial Coach of Arise Financial Coaching. After battling crippling financial anxiety in her early twenties, Nicole enrolled in her first personal finance course and made changes to go from 30K in debt to building over a quarter-million in net worth for her family at age  27. Arise Financial Coaching has now served over 600 clients and has been featured in TIME, Yahoo Finance, & CNET.Listen to our full episode with Nicole here.Tune in every Monday for an expert dose of life advice in under 10 minutes.Follow Nicole:On Instagram: @arise.financial.coachingArise Financial Coaching Sign up for our monthly adulting newsletter:teachmehowtoadult.ca/newsletter Follow us on the ‘gram:@teachmehowtoadultmedia@gillian.bernerFollow on TikTok: @teachmehowtoadultSubscribe on YouTube

Get Katy's Book: Making Home Your Happy Place: A Real-Life Guide to Decluttering Without the OverwhelmBuy Our Simplified Budget SystemBudget besties, this one's gonna hit home—literally. We're joined by the incredible Katy Wells, decluttering expert, podcast host of The Maximize Minimalist, and author of the upcoming book Make Home Your Happy Place. If you've ever looked around your house and thought “I cannot deal with this today,” this episode is your reset button.

Christmas is meant to be a season of joy—but for many of us, it becomes a whirlwind of overspending, overcommitting, and feeling overwhelmed. The good news? It doesn't have to be that way. With a bit of planning and the right perspective, you can slow down, simplify, and savor what truly matters.Today, Crystal Payne—creator of MoneySavingMom.com—shared practical ways to simplify Christmas while keeping your heart centered on Christ. Here's a look at her best advice for making this season more peaceful, meaningful, and budget-friendly.Rediscover the Meaning of ChristmasBefore diving into logistics or budgeting, Crystal encourages families to anchor the season in what matters most.1. Practice Daily Advent ReflectionsHer family uses Ann Voskamp's Advent book, complete with ornaments and daily devotionals. The readings are short, kid-friendly, and a gentle, daily reminder of the story at the heart of Christmas.2. Create a Family Giving ProjectEvery December, Crystal's children choose a giving project—something meaningful to them—and the whole family contributes. The kids even make donation boxes and help gather change throughout the month. It's a hands-on way to practice generosity and keep the focus on others.Simplify Your Gift ListFor many people, gift-giving is the biggest stressor in December.Crystal recommends asking yourself:Who do I feel I should buy for?Who do I want to buy for?What budget do I realistically have?If your list and budget don't match, consider simplifying:Family gifts instead of individual giftsExperience gifts rather than itemsHomemade or low-cost gifts, especially for people who “have everything”Crystal's free Christmas guide at MoneySavingMom.com includes 15 simple DIY gift ideas—from movie-night boxes to Sharpie-designed mugs to homemade baked goods.Keep Spending in CheckOverspending is easy at Christmas—but planning helps.Save Throughout the YearIt's too late for this season, but Crystal encourages starting a Christmas sinking fund in January. A little each month makes December much lighter.Use Gift Cards as Your BudgetIf you shop online, buying prepaid gift cards (or using ones earned through surveys or reward apps) helps you avoid overspending. When the card is empty, the shopping is done.If money is tight this year, you still have wonderful options:Homemade food gifts: cookie dough, loaves of bread, granola, sweet breadsExperience gifts: monthly treats, babysitting, laundry help, home-cooked mealsSentimental gifts: photo books, recipe collections, handwritten lettersThese gifts often mean more than store-bought items because they're personal, thoughtful, and memorable.Make Holiday Cooking EasierFood prep can dominate December, but Crystal suggests planning ahead:Make a list of everything you hope to cookShop ahead of timePrep and freeze items like cookie dough, rolls, sweet breads, or dessertsTake shortcuts when needed—premade dough or bread can be inexpensive and time-savingA few hours of prep can give you more space for the moments that matter.Plan Meaningful Family Time (Without Overfilling Your Calendar)Crystal offers several delightful ideas to create memories without adding stress.1. Make a December Bucket ListEach family member chooses one or two special activities. That's it. This keeps the schedule joyful rather than jam-packed—and ensures you're doing what everyone actually values.2. Wrap and Read Christmas BooksWrap books you already own and open one each day in December. Kids love the anticipation, and it becomes a shared daily moment.3. Celebrate Early as a FamilyBecause they travel to visit extended family, Crystal's family sets aside a full “Christmas Day” together the week before. It allows them to savor time at home without rushing through traditions.Stay Organized and Reduce StressCrystal's top principle: Ask, “How can I make this easier?”A few of her go-to strategies:Write everything down – brain dump into Google Calendar so it's not “living in your head.”Time-block your to-dos – small chunks of planned tasks prevent last-minute chaos.Share the workload – say “yes” when someone offers help. Ask guests to bring a dish. Let kids take part in preparations.Simplifying isn't just about doing less—it's about doing what matters most with more peace.Crystal's brand-new resource includes:15 DIY gift ideasFood gifts, homemade gifts, and simple creative optionsIdeas to simplify and save money this ChristmasYou can download it for free at MoneySavingMom.com.A Final WordCrystal's wisdom reminds us that Christmas doesn't need to be hectic or expensive to be meaningful. With planning, intention, and a focus on Christ, you can give joyfully—not regretfully.And if you're looking for help managing your Christmas budget—or planning for any financial season—the FaithFi App can be a tremendous toolkit. It's designed not just to track your spending, but to help you align every financial decision with biblical wisdom.Download the FaithFi app at FaithFi.com or search FaithFi in your app store.May your Christmas be simple, joyful, and centered on what matters most.On Today's Program, Rob Answers Listener Questions:I recently learned that Illinois has an estate tax threshold of $4 million, and my estate is already above that and growing. What kind of planning should I be doing now to prepare for it?What is the quickest and most affordable way to set up a durable power of attorney for financial, legal, and healthcare decisions?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)MoneySavingMom.comThe Time-Saving Mom: How to Juggle a Lot, Enjoy Your Life, and Accomplish What Matters Most by Crystal PaineUnwrapping the Greatest Gift: A Family Celebration of Christmas by Ann VoskampWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Christmas can be a season of joy—but it can also bring stress, overspending, and a packed calendar. The good news is that with planning and the right perspective, we can slow down and truly savor the season. On the next Faith & Finance Live, Rob West and Crystal Paine talk about how to simplify, stay organized, and keep our focus on what really matters. Then, it's on to calls. That’s Faith and Finance Live—biblical wisdom for your financial decisions. That’s weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

Most people think travel rewards are confusing, time-consuming, or only useful for frequent fliers. But in reality, when you understand how to earn and redeem points strategically, you can turn your normal everyday spending into deeply discounted travel — even at luxury hotels charging $1,500+ a night. In this episode, Adam sits down with Colin Stroud, founder of Go Somewhere, who has built one of the fastest-growing travel-rewards education platforms on LinkedIn. Colin breaks down how retirees, families, and business owners can use points more intentionally, avoid common mistakes, and unlock outsized value — whether you're looking for a simple getaway or a bucket-list luxury vacation. Episode Timestamps: 00:00 – Intro & topic overview 03:00 – Colin's story: From insurance job to building a travel-rewards business 06:00 – Why flexible points (Chase, Amex, Capital One) beat airline & hotel cards 09:00 – The two ways to "win" with points: Earning and redeeming 12:00 – How transfer partners unlock 4–5x more value 15:00 – The $1,500/night Hyatt example that cost only 30k points 17:00 – Biggest mistakes people make with points (and how to avoid them) 20:00 – How retirees on fixed incomes can stretch travel budgets significantly 23:00 – Everyday vs. luxury redemptions: where the real arbitrage is 25:00 – Choosing the right travel card for your specific lifestyle 28:00 – Blackout dates, devaluations & why hoarding points is a bad idea 29:00 – Tools & apps to simplify points: Daily Drop, Point.me, and more 31:00 – Two of Colin's favorite success stories (including a family of 10 flying lie-flat!) 34:00 – Colin's #1 "if you do nothing else" strategy for absolute beginners 36:00 – Closing thoughts & where to learn more Key Takeaways:

In this week's solo episode, I'm diving into something many of us feel, but don't always say out loud holiday money anxiety. This season can be full of joy, nostalgia, and family connection, but it can also bring up guilt, pressure, overspending, and emotional triggers that hit our wallets hard. So today, I'm sharing honest reflections on the expectations we carry, the emotional weight of holiday giving, and how I personally navigate the overwhelm of gifting, family obligations, and wanting to "do enough" without draining my finances or my energy. I walk you through practical strategies for shifting your mindset, breaking old patterns, and giving yourself permission to rethink how you show up this season.  In this episode, I discuss: Guilt-free gifting: How to focus on intention instead of price tags, and ways to simplify gifts especially for kids who may value the moment more than the item itself. Setting family & personal boundaries: What to say when you want to keep things simple, stick to a budget, or opt out without shame. Overspending triggers: Why boredom, stress, nostalgia, and scarcity mindset push us to buy more and how to create friction to avoid impulse purchases. Reframing the season: How to shift from "stuff" to connection, small rituals, meaning, and presence. Planning ahead for next year: Using what you spent this season to set realistic expectations and savings goals for the future. Other related blog posts/links mentioned in this episode: Get your copy of Your Journey To Financial Freedom if you haven't already. Apply to Share Your Journeyer Story, here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with 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

Overspending concerns surround the A.I. narrative plagued the trade in recent weeks, and Oracle (ORCL) was seen as a posterchild for that risk. The stock sold off 35% since hitting all-time highs after last quarter's earnings. Ahead of Wednesday's postmarket report, Rick Ducat highlights key levels for investors to watch while Tom White turns to the options front and offers an example trade.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

Click Here to book your Complimentary Wealth Building Strategy Consultation.Interested in The Stop Overspending Course? Click here to learn more & to get started!Follow Me on Instagram → @germainefoleycoachingAbout this week's GuestAllison Baggerly is an author, podcaster, money coach, and founder of Inspired Budget. As a former teacher, Allison blends her talents for teaching with her passion for personal finances to help others learn how to start budgeting and build a life they love.Allison and her husband paid off over $111,000 of debt on 2 teacher salaries while growing their family. During the process, she learned how to take back control of her money, stay consistent with paying off debt, and stop emotional spending once and for all.Allison has been featured in notable media outlets such as Forbes, Business Insider, and Parents as a budget expert who gives women a step-by-step process to break free from the grueling paycheck-to-paycheck cycle. Her book, Money Made Easy, offers a variety of solutions to help you write a budget that works, pay off debt, and have a better relationship with money.Connect Further w/ Allison using the following links:https://inspiredbudget.com/https://inspiredbudget.com/podcasthttps://inspiredbudget.com/goodbyedebtClick Here to book your Complimentary Wealth Building Strategy Consultation. Interested in The Stop Overspending Course? Click here to learn more & to get started! Follow Me on Instagram → @germainefoleycoaching

Feeling stressed about money or stuck in an overspending cycle? In this episode, I break down the 5 simple money habits that completely transformed my finances, grounded me spiritually, and helped me take control of my life again.You'll learn practical budgeting tips, a mindset shift that changes everything, the universal law behind financial peace, and a scripture that reveals why you're meant to enjoy the fruits of your labor. These habits are real, doable, and immediately effective.Ready for deeper support and weekly coaching?

In this episode of The Wellegant Woman Podcast, we dive into the midlife money mindset—specifically why so many women over 40 struggle with money anxiety, scarcity mindset, overspending, and the emotional side of finances. Instead of talking budgets or spreadsheets, we explore the deeper patterns: cultural conditioning around women and money, nervous system dysregulation, emotional spending, people-pleasing, performative generosity, and the approval loop that keeps women stuck in financial stress.You'll learn why midlife is the turning point where old money stories become intolerable, how the holidays often trigger money-related overwhelm, and how to start building a healthier, more empowered relationship with money rooted in alignment, worthiness, and calm confidence. If you've ever felt stressed about money—even when your finances are “fine”—this episode will feel like a breath of relief. Send a Text Message :)

A soothing December reset for women who overspend, overgive and overstretch themselves during the holidays. Katie shares a mindful breathwork pause, explores the emotional patterns behind people-pleasing and money pressure, and celebrates the launch of My Million Dollar Experiment 2, now charting globally. A gentle invitation to choose peace, boundaries, and self-kindness this season.  Watch the Zero Limits Movie on Amazon Prime or Apple TV  https://zerolimitsmovie.com/katiec .  Leave a short review on IMDb or Amazon to ripple this message further. Zero Limits (2025) - IMDb   Subscribe to both Soulful Valley Podcast & She Invests Intuitively to stay in the miracle flow. She Invests Intuitively Podcast – Soulful Valley

Money is never just about numbers; it is about identity, belonging, and whether you feel you have options. In this candid conversation, Dr. Felecia Froe sits down with financial services professional, author, and nonprofit founder Michelle Campbell to trace her journey from five evictions, four repossessions, three bankruptcies, and over half a million dollars in debt to becoming a fierce advocate for financial literacy and social change.    Together, they unpack the emotional roots of overspending, why shame and silence keep people stuck, and how working-class earners are often the most overlooked when it comes to support and education. You will hear how Michelle connected her money patterns to a childhood wound, rebuilt her financial life by facing every envelope and every number, launched her nonprofit Hashtag Stability to serve people facing homelessness and financial crisis, and now uses tax law, planning, and advocacy to help others avoid the traps she fell into.    00:00 – From Omaha To Overwhelmed 05:58 – The Personal Side Of Financial Literacy 16:12 – Belonging, Overspending, And Rewriting The Story 26:34 – Hashtag Stability And The "Hidden Demographic" 38:23 – Money, Mental Health, And Access To Knowledge 48:17 – Tax Shell, Planning, And Choosing A Different Future  

How do you stay generous at Christmas without blowing your budget?In this special episode, Jonathan joins Sarah on Morning Air (Relevant Radio) to talk through practical, realistic ways to navigate Christmas spending with clarity and peace.They cover:• How to set a Christmas budget that actually works• Why breaking your plan down person by person matters• What to do when a gift you love is outside the limit• How couples can team up on the Christmas budget• How to talk with family about scaling back traditions• Simple ways to avoid the post-Christmas credit-card hangover• Why stewardship—not stress—is the heart of Catholic gift-givingWhether you're aiming to stay debt-free this season or want a calmer approach to holiday spending, this conversation gives you the tools to plan well and stay grounded.

Hour 3 for 12-1-25 Drew is joined by Kevin Appleby to talk about the recent comments made by President Donald Trump in regards to limiting immigration from Third World Countries (6:24). Later on Paul Oster discusses holiday overspending (31:59) Resources: Center for Migration Studies: https://cmsny.org/ Better Qualified: https://betterqualified.com/home

The holiday season often pressures us to overspend, leaving many feeling financially overwhelmed and out of control. In this episode, I reveal strategies to help you stay grounded and manage your finances effectively during the holidays, enabling you to enter January with financial confidence and peace of mind. You'll learn:✅ How to decide ahead of time what you want to spend and why it matters.✅ Ways to change spending norms, especially for the eldest daughters carrying family expectations.✅ The power of visualizing your January financial goals to make grounded spending decisions.✅ How to find meaningful, low-cost gift options that align with your budget and values.Book a call to learn about my 1:1 money coaching program here: https://www.buildinggenwealth.com/work-with-me

The holidays don't have to mean financial chaos.In this episode of Money Files, I'm breaking down The Holiday Money Myth, the belief that you have to choose between joy and financial peace. Every year, we get caught in the same cycle: overspending in November and December, then starting January in regret and survival mode. But it doesn't have to be that way.I'll walk you through how to redefine what generosity, connection, and celebration look like, without defaulting to debt or fake math. You'll learn how to set a realistic holiday spending number, plan for emotional triggers, and create meaningful experiences that don't cost your financial peace.You'll also hear practical steps to help you manage your holiday spending in alignment with your goals, from setting clear boundaries to maintaining your weekly money dates through the season.Listen in to learn:[01:10] Why the Holiday Money Myth keeps you stuck in overspending cycles[03:25] How fear and guilt drive holiday spending habits[05:15] How to define what joy and connection truly mean for you[07:30] Setting your total holiday spending number based on real math[09:50] How to give meaningful gifts without going into debt[12:20] Managing emotional spending triggers during the holidays[14:40] Why maintaining weekly money dates keeps you grounded[15:55] How to enjoy the season without sacrificing your goalsTune into this episode of Money Files to learn how to enjoy the holidays without falling into the trap of overspending. It's time to rewrite your holiday story, with intention, generosity, and financial peace.Get full show notes and the episode transcript: https://wealthovernow.com/how-to-enjoy-the-holidays-without-overspending-or-debt/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan

It's the most wonderful time of the year and, if you're not careful, it could be the most expensive. The day after Thanksgiving has historically been the official start of the holiday shopping season, but we've been seeing Black Friday deals advertised earlier each year.Moreover, Americans are increasingly concerned about the rising costs of food, housing and health care. Throw in the longest government shutdown in U.S. history and recession-level layoffs in the private sector and money might be tight for many households this holiday season.Personal finance columnist Michelle Singletary joins host Colby Itkowitz and explains how you can avoid overspending on gifts and holiday celebrations. Singletary gives us permission to scale back for the holidays and prioritize togetherness over consumerism.Today's show was produced by Charla Freeland. It was edited by Reena Flores and Ted Muldoon and mixed by Sean Carter. Subscribe to The Washington Post here.

Costs creep up when you're feeding a family and homeschooling full-time. Today, Jenny Martin—founder of Southern Savers and homeschool mom of five— shares the simple system that cut her grocery bill by $500 in one month (18 years ago!), how to stock up the right way (without hoarding), where to find the best meat prices, and how to turn everyday shopping into a discipleship lab for financial stewardship. We also hit end-of-year power moves—IRAs, HSAs, insurance choices, and the 30-day “impulse pause” your kids (and you!) can actually use. This episode is a goldmine for homeschool families seeking to manage their finances wisely. Key Topics Covered: The 6-week grocery sale cycle and why buying only what's on sale changes everything Bulk meat the smart way (restaurant supply stores + vacuum sealing) Digital couponing that kids can run (Ibotta, Fetch, store apps) Delivery/pickup realities: when it saves time and when it costs more Homeschool savings: used curriculum, shared labs, fewer-but-better activities Discipleship through money: allowances vs. responsibilities, the 30-day want list Year-end checkups: IRAs (through April), HSA + high-deductible plans, tax withholding tune-up Resources mentioned Southern Savers (Connect with Jenny, grocery lists, weekly deals, Monday 8:30pm ET Q&A) Apps: Ibotta, Fetch, and your store's digital coupons (Publix, Kroger, CVS, Walgreens) Restaurant supply: US Foods Chef'Store, Gordon Food Service (regional) IRS Withholding Calculator (for a quick year-end check) Liberty University / LUOA: K–PhD pathways with a Christ-centered foundation. Teach Them Diligently 2026: Pigeon Forge, TN & Branson, MO (both in May). Buy early for best pricing at teachthemdiligently.net/events. Connect With Us: Instagram: @TeachThemDiligently Facebook: Teach Them Diligently YouTube: Teach Them Diligently Channel Subscribe + Share: If this episode helped you, take a minute to subscribe, rate, and share with another homeschool family. We sure would be grateful! Pack Shoeboxes and Earn Family Passes to Teach Them DiligentlyIf your family, co-op, church group, or community packs at least 25 shoeboxes, we would love to bless you with a free family registration in return. If you're a group, you can use that registration for your leader, as a raffle item or fundraiser, or to bless a specific family in your group. We will donate a registration for every 25 boxes you pack. Click HERE to find out how your group can be involved

Send us a textThere's a voice in your head that's been quietly draining your wallet—and she sounds so reasonable.  “It's just $12.”  “You deserve it.” “This will finally fix everything.”That's not logic. That's your inner critic—a subconscious program designed to keep you safe through control, comparison, and consumption. And right now, as the holidays ramp up, she's the loudest she's been all year.In this episode of The Cosmic Valkyrie Podcast, Lynn Louise Larson—Master Certified Hypnotist and creator of the Evolution 10X Method—pulls back the curtain on how your critic hijacks your brain's reward system and tricks you into emotional spending. You'll learn the neuroscience and energetic mechanics behind impulse buying, why dopamine keeps you chasing that “quick fix,” and how to shift from willpower to alignment.

Why do so many Christians want to give more—but feel like they can't?Most of us want to be generous, but there are often barriers—spiritual, financial, or even emotional—that hold us back. Today, Ron Blue joins us to unpack five key reasons why Christians don't give more, and how we can begin climbing toward greater generosity.Ron Blue is a financial teacher, author, and co-founder of Kingdom Advisors. He has helped countless Christians apply biblical wisdom to their finances and is best known for his bestselling book, Master Your Money: A Step-by-Step Plan for Financial Contentment.Five Barriers to Generosity—and How to Overcome ThemGenerosity is one of the greatest marks of spiritual maturity, yet many Christians find themselves wanting to give more but feeling unable to do so. Over the years, most believers face five primary barriers to generosity. These form a kind of “pyramid,” with each level building on the one below it. The journey toward greater giving begins with the heart and ends with intentional planning.1. Spiritual Condition: The Foundation of GenerosityBefore generosity ever shows up in our bank accounts, it begins in our hearts. When we grasp who God is, who we are, and the grace that has been extended to us, generosity naturally flows from that understanding.The more we understand God's ownership and our role as stewards, the more we want to give. Spiritual maturity is the foundation—without it, our giving will always feel like an obligation instead of an act of worship.2. Financial Health: Creating Margin to GiveEven when our hearts are in the right place, poor financial habits can make generosity difficult. Many believers simply can't give more because they're weighed down by debt, overspending, or disorganization.It often takes time—sometimes even years—to align our finances with our convictions. That might mean getting out of credit card debt, restructuring a business, or learning to live within our means. When we get our financial house in order, we create margin for generosity to flourish.3. Vision: Seeing Where God Is WorkingPeople don't give to spreadsheets or buildings—they give to vision. When we can picture the impact of our giving, we're motivated to invest more deeply.A clear vision fuels generosity. Ask yourself: Where has God stirred my heart? What Kingdom work do I feel most passionate about? When we see how our resources can change lives—whether feeding children, funding missions, or supporting local ministries—we begin to give with joy and purpose.4. Community: Encouragement from OthersGenerosity rarely happens in isolation. We need relationships that encourage us to live open-handedly. When we surround ourselves with generous people—friends who talk about giving, pray about giving, and celebrate giving—we're inspired to do the same.Scripture reminds us that we are to “spur one another on toward love and good deeds” (Hebrews 10:24). Community reminds us that generosity isn't just an individual act—it's part of how the body of Christ functions together.5. Planning: Giving with IntentionFinally, generosity grows through intentional planning. I've seen it over and over in my work as a financial planner: when people create a plan for their giving, their generosity increases dramatically—sometimes fivefold.A plan brings clarity and purpose. It helps you set a “finish line” for lifestyle and accumulation so you can redirect more toward eternal purposes. Without a plan, even well-intentioned believers often give sporadically or reactively. With one, generosity becomes a consistent and joyful part of life.Moving Toward Greater GenerosityThese five layers—spiritual condition, financial health, vision, community, and planning—build upon each other. Each represents a step toward living and giving as God intended.So, which one are you ready to work on today?The journey toward generosity isn't about guilt—it's about grace. As we align our hearts, habits, and plans with God's purposes, we discover the joy of giving that truly reflects His character.On Today's Program, Rob Answers Listener Questions:I'm considering a reverse mortgage and wondering—if I were to get one—whether my creditors could come after the proceeds.How can younger people today start building wealth? What are some practical strategies to grow financially—and how can we stay positive and motivated when so many in our generation don't seem to think that way?I run a small architecture business, but my income has been inconsistent over the past few years. My financial advisor suggested I take a salaried job to help pay down debt and stabilize our family's finances. If I do that, how should I communicate with a potential employer that I'd like to keep my business on the side—and is that even wise to do?I've been researching digital currencies and the broader move toward electronic money. With more people, including political figures, showing support for it—and with lower fees and more direct transactions—what's your take on where this is heading?My husband is 65 and retired, and I'm 56 and still working. I've heard that a spouse can collect half of the other's Social Security benefit once they reach a certain age. Is that true, and how does it work?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Open Hands FinanceWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, we're talking about how to restock your pantry intentionally after the Pantry Challenge so you can avoid waste, overspending, and overwhelm. Brittany shares practical tips for creating a core pantry list that actually fits your family's needs, restocking slowly on a budget, and organizing for function over perfection. It's all about building a pantry that supports real life—not one that looks Pinterest-perfect.

Developing strong financial habits starts with understanding how you interact with money—both consciously and unconsciously. To truly make the most of what you earn, you need to uncover the hidden patterns in your spending and recognize where money might be slipping away. So, what everyday habits could be quietly draining your wallet without you even realizing it?   Links: Want lower interest rates? Contact Triangle Credit Union for more information on debt consolidation options Keep better track of your expenses with our Money Management tool within online banking Check out TCU University for 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.   In order for us to live financially free lives, we need to take charge of ALL the ways we spend money. Part of taking charge involves recognizing all the productive and unproductive ways we're spending our money.   Last week we covered five sneaky ways our habits can drain our wallets and this week I'm going to present five more for you to be aware of.  Exorbitantly High Interest Loans High-interest loans—like payday loans, certain credit cards, or quick cash advances—can trap you in a relentless cycle of debt. What starts as a short-term fix often turns into long-term financial strain, with interest piling up faster than you can pay it down. These types of loans are especially risky in tough economic times, when borrowing may feel like the only option. Unfortunately, the high rates make it difficult to catch up, and the stress of mounting debt can affect your overall financial health.  If you recently discovered you're paying a lot of money towards high-interest debt, explore alternatives like refinancing, balance transfers to lower-interest cards, or consolidating debt through a reputable lender. If you're unsure where to start, speaking with a financial advisor or nonprofit credit counselor can help you find safer, more sustainable solutions.   Overspending on Convenience Services Food delivery, express shipping, and pre-packaged items are all about ease—but that convenience comes at a cost. Whether it's the markup on restaurant meals, the extra fees for rush shipping, or the premium price of ready-made products, these small expenses can quietly snowball into a major budget drain. It's tempting to lean on these services when life gets busy, but using them regularly can eat into your finances more than you might expect. In today's economy, where every dollar matters, convenience should be a conscious choice—not a default habit.   Plan ahead to reduce reliance on convenience services. Cooking at home, batching errands, or choosing standard shipping instead of express can lead to meaningful savings without sacrificing too much comfort.  Lifestyle Inflation As income grows, spending often grows right along with it—a phenomenon known as lifestyle inflation. It's easy to justify upgrades like a nicer car, more frequent dining out, or luxury gadgets when you're earning more, but these habits rarely improve long-term financial security. In fact, they can quietly prevent you from building savings, investing, or reaching bigger financial goals. Without a plan, higher income can lead to higher expenses and little progress.   Keep your lifestyle modest even as your earnings rise. Automate savings so a portion of your income goes directly into a savings or investment account, and set clear financial goals to stay focused. That way, you can enjoy your success without letting it slip through your fingers.  Buying Low-Quality Items That Need Frequent Replacement Cheap products may seem like a bargain at first glance, but poor quality often leads to more frequent replacements—costing you more over time. Whether it's clothing that wears out after a few washes, electronics that break down quickly, or furniture that doesn't hold up, these purchases can become a cycle of spending that feels never-ending. In the long run, constantly replacing low-quality items can drain your budget and leave you frustrated. Plus, the environmental impact of disposable goods adds another layer of cost that's easy to overlook.  Invest in durable, well-reviewed items when possible. While the upfront cost may be higher, quality purchases tend to last longer, perform better, and offer greater value—saving you money and hassle down the road. Overpaying for Expensive Brand Names Premium brands often charge significantly more for products that offer similar quality to generic or store-brand alternatives. While the packaging and marketing may be more polished, the actual performance or ingredients are often nearly identical. In many cases, you're paying extra for the name, not the value. This is especially true with household goods, groceries, and personal care items, where brand loyalty can overshadow smart spending. Over time, these brand-based purchases can quietly inflate your expenses without delivering better results.  Take a moment to compare ingredients, reviews, and performance before buying. You might be surprised to find that a lower-cost alternative works just as well—or even better—than the name-brand version.  Being mindful of these habits doesn't mean you have to live ultra-frugally or give up the things you enjoy. It's about making smarter choices that align with your financial goals. A few small changes can lead to big savings—and a lot less stress when you check your bank account.  That concludes this week's list of five more sneaky habits that can drain your wallet. If you didn't catch the first five, check out last week's Money Tip for the rest of the list.  If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org and don't forget to like and follow our Making Money Personal FB page and look for Triangle on Instagram and LinkedIn 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 Simplified Budget System!Most people think budgeting means cutting back and saying “no” to everything fun — but we're here to tell you it's actually about saying yes! Yes to dinner out. Yes to vacations. Yes to the things you love — but with cash in hand and zero stress.In this episode, we wrap up the Budget Besties Method with Step 8: Be Bougie on a Budget. You'll hear how real clients and friends are living their best lives — from country clubs and horses to golf memberships and healthy food — all while sticking to their budgets. Because “bougie” looks different for everyone, and it's not about how much you spend; it's about spending with intention.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don't need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We'll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!"

Swiss cheese agreements. Overspending by big tech - could that be their  downfall? A rate cut in the dark and AI's Impact on Future Workforce. Guest: Vitaliy Katsenelson is discussing the basic math of the markets, including where to actually find bargains. NEW! DOWNLOAD THIS EPISODE'S AI GENERATED SHOW NOTES (Guest Segment) Follow @andrewhorowitz Vitaliy Katsenelson, born  and raised in Murmansk, Russia (the home for Russia‘s northern navy fleet, think Tom Clancy‘s Red October). Immigrated to the US from Russia in 1991 with all his  family three brothers, father, and stepmother. His  professional career is easily described in one sentence: He invest, He educates, he writes, and he could not dream of doing anything else. He is Chief Investment Officer at Investment Management Associates, Inc (IMA), a value investment firm based in Denver, Colorado. After he received his  graduate and undergraduate degrees in finance (cum laude) from the University of Colorado at Denver, and finished his  CFA designation, he wanted to keep learning. He figured the best way to learn is to teach. At first he taught an undergraduate class at the University of Colorado at Denver and later a graduate investment class at the same university that he designed based on his  day job. He found that the university classroom was not big enough, so he started writing. He writes a monthly column for Institutional Investor Magazine and he has  written articles for the Financial Times, Barron‘s, BusinessWeek, Christian Science Monitor, New York Post, and the list goes on. He was profiled in Barron‘s, and has  been interviewed by Value Investor Insight, Welling@Weeden, BusinessWeek, BNN, CNBC, and countless radio shows. Vitaliy has authored the Little Book of Sideways Markets (Wiley, 2010) and Active Value Investing (Wiley, 2007). Follow @vitaliyk Check this out and find out more at: http://www.interactivebrokers.com/ More information available on Horowitz & Company's TDI Managed Growth Strategy Stocks discussed this week (ORCL), AMZN), (MSFT), (DIS), (AMD), (NVDA), (NOK)

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3325: Mr. Finer breaks down the subtle yet powerful trap of lifestyle inflation, showing how incremental upgrades in spending can quietly sabotage financial independence. By focusing on maximizing happiness and utility instead of status, he offers clear strategies to recognize and resist the pressure to constantly "upgrade" your life. Read along with the original article(s) here: https://mrfiner.com/why-lifestyle-inflation-is-harmful-and-how-to-avoid-it/ Quotes to ponder: “There is enough to meet everyone's needs but not enough to meet everyone's greed!” “Lifestyle inflation is like a hole in a tire. You can pump in air, but the tire will not get full until the hole is plugged.” “Maximize for happiness, not for status.” Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you secretly believe the more expensive or extravagant the gift, the more love it shows? In this episode, Paige pulls back the curtain on the gift-giving guilt spiral that fuels so much unnecessary overspending — especially during the holidays. She explores why we associate “meaningful” with “expensive” or “voluminous,” how our culture reinforces that belief, and why even thoughtful gift-givers can feel depleted, resentful, or broke. You'll learn: • Why we confuse financial sacrifice with emotional significance • The surprising science of what recipients actually value most • How to give (and receive) gifts without losing yourself in the process Whether you're a gift-lover or gift-averse, this episode will help you untangle your spending from your self-worth — and finally take back control of your gift-giving with clarity, compassion, and intention.