Podcasts about pay down debt

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The IRS said the average tax refund through March is about $3,200. WSJ's Katherine Hamilton joins host J.R. Whalen to discuss how many Americans are using the funds to help them get out from under mounting debt. Listening on Google Podcasts? Here's our guide for switching to a different podcast player. https://on.wsj.com/48YljZs Learn more about your ad choices. Visit megaphone.fm/adchoices

Rev. Ken Krueger, President and Chair of Ministry Focus, joins Sarah to talk about the investment and cost of the education to become a rostered church worker, how debt can become a distraction for pastors and other called workers, how MinistryFOCUS addresses this challenge, who supports this ministry, and who is eligible for support. Learn more and apply at ministryfocus.org.

Most of my clients are scared of debt. Society has created rules and regulations around when it is “okay” to get into debt. Going into debt for a house or car is normalized, but accumulating debt on shopping or healthcare is taboo. There is so much negative talk about debt that you might feel shame about your own credit card balance or the need to use credit. Today's episode is about changing how you think and feel about debt. I share several helpful tips for managing debt, strategizing a payment plan, and overcoming feelings of overwhelm and shame. Debt can afford you amazing things, and having debt does not mean you are bad with money. So tune in to learn how you can make peace with your debt and take back control of your finances. Are you ready to make peace with your debt? Start with these steps to improve your relationship with money, overcome feelings of shame, and start paying down debt with confidence. [01:08] Learn to think of debt as being neutral. [05:10] Make peace with your debt. [08:20] Create a budget so you can see where your money is going. [09:12] Prepare to pay off the debt with a clear strategy. [11:18] Be consistent with your plan to pay off debt. [12:35] Celebrate along your debt payoff journey. If you want to change how you think about debt, tune into this episode of Money Files! Get full show notes and the episode transcript: https://wealthovernow.com/simple-steps-to-pay-down-debt/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we discussed whether to pay down debt or invest surplus money. We highlighted that with higher interest rates, people are paying more attention to their debts and also their cash flow. In turn, people are questioning whether they should be putting more money towards these debts or if they should be putting money towards investments. We mentioned considering deductible versus non-deductible debt and factoring in the retirement time frame when making decisions about debt repayment. Additionally, it's crucial to consider risk tolerance and comfort levels when deciding whether to prioritize paying off a mortgage or investing money into growth assets.. Understanding the importance of having a strategy, seeking advice, and considering long-term goals when making financial decisions is a critical aspect to determining the right strategy.. By tuning in, you'll grasp the nuances of risk tolerance, comfort levels, and how they influence prioritizing mortgage payments over investments. Gain valuable insights into crafting a financial roadmap, seeking expert advice, and aligning choices with long-term goals. Don't miss out on this episode, where financial wisdom meets actionable steps towards a secure future. – 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 AMP Financial Planning – AFSL 232706   Episode Highlights Considerations for what decision you should make The ‘sleep test' as a starting point Exploring different options and scenarios Tax implications  Shaving off years from the mortgage Balancing debt repayment and wealth creation Emotional responses Debt recycling strategy   Connect with Billy and Andrew! 360 Financial Strategists    Check out our latest episode here:  Apple Podcast Spotify Google Podcast  

This week: Farnoosh offers her best relationship insights after 11 years of marriage (not financial advice, but hey!) Plus, several investing questions from the audience, including whether to cash out a low-performing portfolio, how to balance investing for retirement and paying off debt. Also, what's the deal with pet insurance? Worth it? Sign up for Farnoosh's newsletter Pre-order A Healthy State of Panic and immediately access her Scared Smart video and workbook lesson plan. Questions on this episode originally aired on Feb 3. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode we're talking about the dangers of debt in a rising rate environment, and how to deal with it. The Federal Reserve has now raised interest rates nine times in the last year. The idea of higher rates is to put the brakes on the economy in order to slow inflation. All good, until someone gets hurt. And who gets hurt by higher rates? Consumers who need to borrow, that's who. Higher rates mean higher credit card interest, car loan interest, personal loan interest and mortgage interest. And for many folks, that's a big deal. In fact, higher rates can price people out of a purchase entirely. It also means higher minimums and more difficulty paying down debt. So let's talk about what you can do to ease the pain. Host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. Today's special guest is Matt Schulz, an industry analyst for Lending Tree and author of the forthcoming book Ask Questions, Save Money, Make More. Remember this isn't financial advice. So make sure to do your own research and consult your own experts before acting on anything you learn here. You can watch this episode below, or if you'd prefer to listen, you can do that with the player at the top of this article or download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Dealing with inflation Inflation is impacting every aspect of our financial lives right now. If you're trying to figure out how to get through it, we have resources on Money Talks News that can help. What's Your Personal Inflation Rate? 4 Ways Americans Are Coping With Inflation 32 Inflation Hacks to Save You Money in an Economic Downturn Over Easy: 5 Ways to Deal With Egg Shortages and Inflation 7 Ways Inflation Can Cost You at Tax Time How Inflation Affects Your Credit Card Rewards Americans Are Losing $445 Monthly to Inflation: Here's How to Protect Your Wallet 5 Ways Inflation Could Make You Richer in the Long Run 10 Sure-Fire Ways to Beat Inflation 7 Apps I Use to Beat Inflation at the Grocery Store When Inflation Meets Stagnation and What to Do About It How to pay down debt When dealing with debt, creating a plan to pay it down is one of the best things you can do. We have many resources to help you pay down debt, and make the most of your money, even in the midst of inflation. Debt Consolidation vs. Debt Settlement: 5 Things You Need to Know 5 Things You Need to Know About Paying Off Debt This Year How to Destroy Your Debt and 3 Things to Do Next 5 Ways to Eliminate Credit Card Debt How Making 1 Extra Mortgage Payment Could Shave Years Off Your Debt 3 Powerful Tools to Destroy Your Debts and Renew Your Credit 5 Ways to Deal With Debt Collectors if You're Afraid to Pick Up the Phone How to Wipe Out Debt for Good How Debt Affects Survivors After a Loved One Dies 10 Ways to Lose Weight and Pay Down Debt — at the Same Time Meet this week's guest,  Matt Schulz is a nationally recognized personal finance expert with 15-plus years of experience helping people make smart decisions with their money. He is currently Chief Credit Analyst at LendingTree. With LendingTree and in his previous role at Bankrate, he has appeared on Good Morning America and NBC Nightly News and been quoted many times in the Wall Street Journal, New York Times and beyond. He is also a trained journalist who has led online news teams for TV stations, websites and newspapers. His first book -- Ask Questions, Save Money, Make More -- is scheduled to be published by Countryman Press, an imprint of WW Norton, in early 2024. Twitter Instagram LinkedIn Don't listen to podcasts? A podcast is basically a radio show you can listen to anywhere and anytime, either by downloading it to your smartphone or by listening online. They're awesome for learning stuff and being entertained when you're in the car, doing chores, jogging or riding your bicycle. You can listen to our latest podcasts here or download them to your phone from any number of places, including Apple, Spotify, RadioPublic, Stitcher and RSS. If you haven't listened to our podcast yet, give it a try, then subscribe. You'll be glad you did! About the hosts Stacy Johnson founded Money Talks News in 1991. He's a CPA, and he has also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate. Miranda Marquit, MBA, is a financial expert, writer and speaker. She's been covering personal finance and investing topics for almost 20 years. When not writing and podcasting, she enjoys travel, reading and the outdoors.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

In this episode Scott Becker discusses the importance of leaders paying down debt.

In this episode Scott Becker discusses the importance of leaders paying down debt.

Are you drowning in debt and unable to build wealth? What if you could do both and start setting yourself up for financial freedom today? In this episode of The TSP Show, we hear from Dr. Michele Josey and Cassandra Cummings about how to pay off your debts and attain assets, even during the recession!Dr. Josey is a data scientist that helps you turn data into dollars. Creator of Mogal Beginnings, her expertise is using data to predict and plan for your company's success. Dr. Josey deconstructs the myth that you must get out of debt before making money. She teaches you how to fortify your family with the four walls of protection, so you can begin an investment strategy that will get you out of debt and build your portfolio.Cassandra Cummings is an investor, speaker, and author of Fearless Finances. Her company, The Stocks and Stilletos Society help build a community for female investors to build wealth. Today, Cassandra breaks down how to make money during this incoming recession. She predicts real estate prices will inflate, so it may be time for you to start investing!If you want to start building your portfolio, get out of debt, and set your family up for success, listen now!Want to keep up with Michele Josey? Find details here:► Website:https://www.mogulbeginnings.com/home► Facebook:https://www.facebook.com/groups/makingmoguls/► Instagram:https://www.instagram.com/michele_jj/?hl=enWant to keep up with Cassandra Cummings? Find details here:► Website:https://stocksandstilettos.co/► Book:https://www.thefearlessfinances.com/book► Instagram:https://www.instagram.com/cassandra.cummings/?hl=enWant to keep up with Traffic Sales and Profit? Find details here:► Podcast: https://trafficsalesandprofit.com/podcast► Get your FREE Traffic Sales and Profit Book here https://freetspbook.com/tsp-book► Subscribe to the YouTube channel: https://youtube.com/trafficsalesandprofit► Upcoming Live Events: https://trafficsalesandprofit.com/events/► Join our FREE Traffic, Sales & Profit Facebook Group: https://www.facebook.com/groups/TrafficSalesProfit/► Follow us on Instagram: https://www.instagram.com/trafficsalesandprofit/► Follow Lamar on Instagram: https://www.instagram.com/lamartyler/KEY TAKEAWAYS[00:00:00] Using cash flow...

It's time for another round of Ask Jesse! Jesse fields questions from podcast listeners about how to manage multiple bank accounts, negative budgeting, and whether he can slow down his speech pattern (sorry Leslie!)   Find a YNAB Certified Coach: https://www.ynab.com/coaching-directory/   Got a question for Jesse? Send him an email: askjesse@ynab.com   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com

Show Summary: Inflation continues to hit most Americans' bottom line.  The things we use and need the most are costing more than ever.  Groceries, gas, electricity, and everything we use daily cost more than last year.  On top of that, people are losing jobs, and a recession is looming or already here.  The savings that most people collected during the pandemic shutdown have been whittled away, and many people have turned to credit and debt to make ends meet.  If this sounds like your story, you are not alone!  In today's episode of The Fat & Broke Podcast, we will help you better understand debt and give you all the tools you need to pay it down fast!Leave A Voice Memo | Review The Show | Follow | Subscribe | NewsletterIntro:Peter is back from a vacation and feels full of vigor, which is not great for the rest of us. Headline Of The Week:Credit card debt increased to record $931 billion: Here's how to pay debt quicklyHow To Pay Down Debt:TrackBuild A GapMake A PlanExecute & AutomateStay The CourseDon't Add More DebtTo learn more about the steps above, listen to the show!Resources:MintYNABUndebt.it

Now that I'm in my mid 30s, should I be laser focused on paying off my student loan debt? Have a money question? Email us, ask jill [at] jill on money dot com. Please leave us a rating or review in Apple Podcasts. "Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

In today's episode Greg and Colin look to answer a common question. Should you be paying down debt or investing? Listen in to find out more and enjoy the show!

So let me ask you: Got debt? If so, you're not alone. According to the Consumer Financial Protection Bureau, 28% of consumers have an account in collections. Think about that. More than one if four of us are getting hounded on a past-due bill! Maybe you're not to that point yet, but you can probably relate to the feeling of the bills piling up. Or maybe you're wondering how you'll pay off your part of the more than $1.7 trillion in student loan debt. Bottom line? Getting out from under debt can be daunting. Like marriage or car leases, debt's a lot easier to get into than to get out of. So this week we're going to look at different solutions to destroy that debt. In this week's podcast, host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. We have two special guests this week, Natalia Brown and Jeff Biesman from National Debt Relief. They'll walk us through options like debt consolidation and debt settlement. Before we start, two things: First, MoneyTalksNews has an advertising relationship with National Debt Relief. But that's not going to influence our panel's opinions. Second, be aware that anything you hear on this podcast doesn't constitute financial advice. Always do your own research and consult your own experts before acting on anything you learn here. OK, let's dive in. You can watch this episode below, or if you'd prefer to listen, you can do that with the player at the top of this article or download the episode wherever you get your podcasts: YouTube version:https://youtu.be/uxI8Pr40cgM Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Don't forget to check out our podcast page for more episodes designed to help you make the most of your money and our YouTube page for more videos. Debt Consolidation vs. Debt Settlement It's important to understand the difference between debt consolidation and debt settlement. We take you through all of that in this episode. Our special guests help you understand how their services work, and we also offer you some ideas for what is likely to work best for you. Depending on your situation, one solution might work better than another. Before you decide, check out this episode where Miranda gets real about how she messed up her credit big time. Here are some resources from Money Talks News about debt settlement and debt consolidation, as well as information about dealing with debt collectors: 2-Minute Money Manager: Should I Get a Debt Consolidation Loan? 9 Tips for Finding Trustworthy Debt Help You Can Afford 3 Powerful Tools to Destroy Your Debts and Renew Your Credit 5 Ways to Deal With Debt Collectors if You're Afraid to Pick Up the Phone 10 Debt Management Tips for New College Grads How I Slashed $25,000 in Credit Card Debt to Zero 9 Tips for Finding Trustworthy Debt Help You Can Afford 2-Minute Money Manager: Should I Use a Credit Counselor for Debt Help? Ask Stacy: Where Can I Find Help With Credit Card Debt? How to pay down debt If you're interested in paying down debt on your own, we have a lot of great resources on how to create a plan to pay down debt. 5 Things You Need to Know About Paying Off Debt This Year How to Destroy Your Debt and 3 Things to Do Next Tips and Tricks to Help You Destroy Debt 7 Great Tools to Help You Get Out of Debt The Best Way to Kill Off Credit Card Debt How to Pay Off $10,000 in Debt Without Breaking a Sweat 10 Steps to Get Out of Debt Now and Stay Out of Debt Forever The Fastest Proven Ways to Destroy Debt 2-Minute Money Manager: What's the Best Way to Pay Down Debt? 7 Easy Ways to Stay Out of Debt Natalia Brown joined National Debt Relief (NDR) in 2010 and has served as Chief Client Operations Officer since 2019. Natalia is also an Executive Board Member of the American Fair Credit Council (AFCC). Natalia volunteers at New Women New Yorkers, a nonprofit that focuses on supporting immigrant women in New York. She also sits on the advisory board for Four Steps Forward, a program that aims to financially educate one million black women over the next five years. Natalia is a native New Yorker and has two sons who inspire her to be the best she can every day. She is a certified debt specialist and holds a bachelor's degree in accounting from Lehman College and a master's in operations and project management from Southern New Hampshire University. Jeff Biesman is the Chief Marketing Officer at National Debt Relief and Reach Financial. In this capacity, Jeff is responsible for the brand, PR, partnerships, and all direct-to-consumer marketing activities for both companies. Jeff's career spans a wide range of organizations including AT&T Interactive, Shoedazzle, Bank of America, Sony Pictures Digital, The Walt Disney Company and others. Jeff grew up in Texas and attended the University of Texas at Austin, where he received a B.A. in Political Science and MBA with a concentration in marketing. Jeff currently resides in Agoura Hills, California. Don't listen to podcasts? A podcast is basically a radio show you can listen to anywhere and anytime, either by downloading it to your smartphone, or by listening online. They're awesome for learning stuff and being entertained when you're in the car, doing chores, jogging or riding your bicycle. You can listen to our latest podcasts here or download them to your phone from any number of places, including Apple, Spotify, RadioPublic, Stitcher and RSS. If you haven't listened to our podcast yet, give it a try, then subscribe. You'll be glad you did! About the hosts Stacy Johnson founded Money Talks News in 1991. He's a CPA, and he has also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate. Miranda Marquit, MBA, is a financial expert, writer and speaker. She's been covering personal finance and investing topics for almost 20 years. When not writing and podcasting, she enjoys travel, reading and the outdoors.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

2022 was a brutal year for investors. 2023 is sure to be challenging, but there are some action steps you can take now, to set yourself up for success no matter how the market behaves. In this video, Peter Richon with Richon Planning and Erin Kennedy walk through these 5 Resolutions: 1. Rebalance 2. Pay Down Debt, Lower Expenses 3. Keep Saving for Retirement 4. Update Your Estate Plan/Beneficiaries 5. Proactive Tax Planning If you would like some help outlining or setting up and achieving your unique financial goals and resolutions, please feel free to reach out to Peter for a complimentary consultation by calling (919) 300-5886 or by visiting www.RichonPlanning.com #FinancialResolutions #2023resolutions #financialfitness

Well, here we are: a brand new year! Chances are, you're one of the 81% of Americans with a financial new year's resolution. The most common financial resolution this year? Like many other years, it's paying off debt. But how do you make it happen? Obviously, with a plan. So, let's make one! As usual, host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. This week, John and David, the Debt Free Guys, join us to discuss the five things you need to know about creating a successful debt pay-down plan. Remember, even though we sometimes talk about money and specific investments on this show, don't take them as recommendations. Before investing in anything or making any other money moves, do your own research and make your own decisions. Show webpage with links. You can watch this episode below, or if you'd prefer to listen, you can do that with the player at the top of this article or download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Don't forget to check out our podcast page for more episodes designed to help you make the most of your money and our YouTube page for more videos. Get out of debt for good In addition to our thoughts on creating a debt paydown plan, we have many resources on the Money Talks News website for ideas on getting out of debt. You can even check out Stacy's book, Life or Debt, to help you destroy your debt and get on the path to financial freedom. How to Destroy Your Debt and 3 Things to Do Next Tips and Tricks to Help You Destroy Debt 7 Steps to Quickly Eliminate Your Holiday Debt 7 Great Tools to Help You Get Out of Debt How to Wipe Out Debt for Good The Best Way to Kill Off Credit Card Debt How to Pay Off $10,000 in Debt Without Breaking a Sweat 10 Steps to Get Out of Debt Now and Stay Out of Debt Forever 10 Ways to Lose Weight and Pay Down Debt — at the Same Time 13 Ways to Get Out of Debt The Fastest Proven Ways to Destroy Debt Where to find the money to pay off debt Once you decide to pay off debt, there's a good chance you need to find the money to make your debt pay down plan work. This often includes a combination of strategies to save money and increase your income. Check out these resources that can help you find money to funnel into your debt freedom strategy. And don't forget to check out the debt lasso method our guests use to pay off debt. The Ultimate Guide on How to Save $10,000 in a Year 15 Ways to Save Money on Prescription Drugs 6 Ways to Save Money on Home Entertainment 15 Ways to Save Money on Vacation 10 Depression Era Hacks and Frugal Living Ideas to Save Money Now 11 Ways to Save Money on Food Without Using Coupons 4 Ways to Save Money on Kids' Sports and Activities 10 Ways to Save Money Shopping for Clothes 7 Smart Ways to Save Money at the Gas Pump 9 Best Shopping Apps to Save Money 5 Tips to Make Money Management Fun 9 Ways to Make Money With Online Sales 6 Classic Hobbies That Make Money as Trendy Side Gigs 6 Effortless Ways to Make Money Whenever You Shop 13 Ways to Make Money Delivering Food, Packages and More 12 Easy Ways To Make Make Money Online Without Leaving Home How to Make Money from What's Coming: Web 3.0 9 Top-Paying Side Hustles Where You Could Earn More Than Full-Time Work 25 Side Jobs That Can Be Done From Home Money Tight? 4 Legit Ways to Bring in Extra Cash Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

Disability premiums can be seen as a “luxury,” especially when various expenses wear you down. Which makes it easy to delay paying it until a later time. But this is a fatal mistake. Why? Disability can come knocking on anyone's door at any time. So you must ensure your most valuable asset. That way, when hard times do come, you don't have to sacrifice your and your children's lives. In this episode, I share advice on how you can pay off your debt and your disability coverage at the same time. So that you don't have to put a pause on your lifestyle because of accidental disability. Listen now! Show Highlights Include: Should you pay down your debt OR increase your disability coverage? (0:43) Figuring out what your most important asset is so that you can protect your income during a disability (2:25) #1 mistake physicians make about claims that eat up their income (3:21) How to pay off both your debt and your disability premium in minimum time (4:55) How to know if you're underinsured by your insurance company (and discover when is the “right” time to upgrade your coverage) (7:51)

Ashley D. from Georgia asked, "Should I stop aggressively paying down my debt for a month or two to focus on padding my emergency fund?" In this episode of The New Money Habits Podcast, Sarah and Nino discuss how to shift priorities and focus on what's important in this season of Ashley's journey.

On this week's Ask Farnoosh, listeners ask about credit card pay-off strategies and why, no matter how much savings they build, they feel financially insecure. Join Farnoosh's weekly newsletter and receive a free gift: https://www.cnet.com/so-money/ Learn more about your ad choices. Visit megaphone.fm/adchoices

It feels like a different lifetime but starting a dozen years ago, Melissa and I began a journey of paying off 130K in non-mortgage debt.  I learned countless lessons from my greatest teacher, failure.  Lots of people ask me how I got into so much debt and how I got out of it.  In today's show, we dive into the mindset needed to pay down debt, the most common methods for doing so, and the best strategy for you.  If you're not in debt, you'll still want to tune in because you can teach others as well as ensure you stay out of it.  Additionally, there are valuable principles that can also be applied to other areas.  Enjoy the show and as always, thanks for tuning in! Listen and grow! Download your Debt Destroyer Form here

I learned that if I completely deprived myself of everything I enjoyed spending my money on, staying on my debt-free journey to millionaire status was not going to last very long.    Finding the balance between living your best life and paying down soul-sucking debt like student loans is personal, but these three spending rules helped avoid the spending shame spirals and encouraged me to pay down debt faster.   Bernadette Joy (@bernadebtjoy) is the founder of Crush Your Money Goals®, an academy that helps burned out professionals build their escape plans to financial independence, the same way she paid of $300K of debt and became a millionaire in her thirties.   Want 30 resources to start crushing your money goals? Grab the free guide here: https://www.crushyourmoneygoals.com/freeguide  

How would you like to be debt free sooner, or at least lower your existing debt to ease up on some financial stress? It's time to take some simple steps that will help you pay down your debt faster and reach financial freedom sooner. Links: Learn more about using a personal loan for debt consolidation  Check out the current rates for various loans and contact Triangle if you have questions about refinancing Learn more about Triangle's Money Management tool for getting out of debt Total Money Makeover by Dave Ramsey Get the Hell out of Debt by Erin Skye Kelley Money Rules by Jean Chatzsky Follow our podcast Facebook, Instagram and Twitter Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   If you're tired of feeling buried in debt and want to start making moves to get out of it there are steps to take that will get you debt free sooner than you think.  First, you can make extra payments towards your debt. Next time you pay your bill, try adding a little more to that payment. Round it up to the nearest $50 or maybe $100 or whatever you can afford. If you do this consistently over time, you'll be able to shave months, and maybe years, off your loan. You could also try to pay more frequently, like twice a month.  Keep in mind though, that before doing this, check with the lender to verify there are no penalties for making extra payments.  Second, if you can, consolidate multiple debts into one using a debt consolidation personal loan. This will help you stay organized by combining your debt into a single, easy payment. Plus, a debt consolidation personal loan will most likely offer you a lower interest rate than what you're already paying.  Third, you can refinance your loan. Refinancing will allow you to do one of two things. You can refinance the loan for a shorter term, which means you'll pay it off earlier, or you can refinance at the same term, but for a lower rate. If you choose to go with a lower rate, you can then throw the extra money you have towards the new bill as an extra payment towards principle.  Fourth, you can adjust your spending habits to better manage cash flow. By keeping your expenses lower you'll be able to free up cash to put towards extra loan payments. You can try freezing your credit card spending, rebalance your budget to cut out unnecessary expenses and renegotiate certain bills like insurance and others to see if you can lower any of those costs.  Fifth, get inspired and organized by using an app or other tool. Do an internet search for debt management apps that keep all your information organized and offer strategies and plans to stay on track. Triangle also has a useful Money Manager tool within your online and mobile banking account that you can start using to set goals on getting out of debt. If you're a reader, check out some top-rated books for more tips and inspiration on getting out of debt like Total Money Makeover by Dave Ramsey, Get the Hell out of Debt by Erin Skye Kelley, and Money Rules by Jean Chatzsky. Explore other resources like videos and podcasts if you're looking for more inspiration.  Getting out of debt is a journey. It requires focus, discipline and effort. But if you're motivated to be debt free, or at least reduce the burden that you're carrying, making these efforts can fast track you towards that goal.  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 Facebook and Instagram pages and look for our sponsor, Triangle Credit Union on Instagram and LinkedIn to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and be sure to check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

Reducing your debt is saving.  In this week's episode of Think Like a Saver, we cover: Why everyone is capable of and deserves to be debt free Different debt payoff techniques and which might be best for you How to save now to make room for your debt payoff journey — “The more debt you have, the less money you have to put toward savings.” It can be hard to know when to pay down debt and when to focus on the here and now.  When paying down debt, there are a few different strategies. These can be: Focus on paying down the debt with the highest interest rate first Focus on paying down debt with the highest balance first Focus on paying down debt with the lowest balance first (snowball method) Paying down debt is very empowering. When you make payments toward your debt or pay it in full, it gives you energy and shows you that you really can overcome obstacles. Plus, it helps you increase your credit score and lower your overall stress levels! However, there are a few things you should know about the debt payoff process: For some debts, you can face a penalty for paying it off early Your credit score may decrease when you close a credit account You may want to have cash on hand rather than putting all your money into your debt payoff plan.  Listen to this episode to learn how to audit your income and expenses so that you can begin your debt payoff journey feeling empowered and excited! — RESOURCES MENTIONED:  Youtube playlist for paying down debt 4 Key mindset changes to make when paying off debt Our first episode can be found here Be sure to send your questions to save@americasaves.com and we'll answer them in our next episode! THIS WEEK'S THINK LIKE A SAVER CHALLENGE: Take a few moments to evaluate where you are in your debt payoff journey, then celebrate where you are right now. If you recently decided to start paying off your debt, celebrate this decision. If debt repayment isn't a priority for you right now, we challenge you to imagine what your financial life would be like if you were prioritizing debt repayment, and assess whether this is something you could begin to tackle. And, if you do not have debt, take time to celebrate the journey you went on to get to this place!

The student loan crisis has been a constant conversation point over the last decade or so and even more so presidential candidates in this election. There has been a lot of conversation around student loan forgiveness, especially with the surmounting balances leading to affects on the economy. Now federal student loan payments and interest have been on a hiatus since March 2020 and there is still no clarity on how long that will last. The crisis is one that is somewhere in the $1.6 trillion range for federal student loans. Knowing hoe much you owe and to whom (federal or private) will be the first step in the process to see whether you personally have a student loan crisis. Margin Membership Sign-up: https://millennialmargin.com/learn/How are your finances doing? Take the quiz: https://i2tvdm52vbg.typeform.com/to/YFcT68CWJared created Millennial Margin out of necessity, as he has watched countless people schedule-away, mortgage-up, and max-out their lives. Margin is simply the antithesis, providing leeway in an increasingly margin-less culture.Subscribe for daily tips and discussions about how to better manage your personal finances and, by extension, your margin.Listen to the podcast: https://margin.simplecast.com/Have a question? Contact Jared at jared@millennialmargin.comFollow Millennial Margin: facebook.com/millennialmargin, instagram.com/millennialmargin1, or simply visit millennialmargin.comGoal/Disclaimer: My goal with [Margin] is to prepare you with the knowledge but then inspire you to act on that knowledge. My goal is to be in your corner bridging the gap between your trusted CPA, attorney, and financial planner. My advice is simply from my own personal experiences and is not meant to override or replace professional advice from your trusted investment professional. The content found here is for entertainment purposes only.

If you enjoyed this episode, or are enjoying the Scalable REI show overall, show your support by buying the Scalable REI team a cup of coffee: https://www.buymeacoffee.com/scalablereiClay Hepler is a Husband, Real Estate Investor, and Chief Wealth Strategist at Creative Capitalist. He is also host of the Creative Capitalist PodcastHe empowers entrepreneurs, executives and real estate investors to create, protect and multiply their cashflow and maintain it no matter what happens in the market to get to financial freedom and abundance faster.Helpful Links:creative-capitalist.comBest Way to Contact Clay:clay@creative-capitalist.com@calyhelper on Instagramhttps://www.linkedin.com/in/clay-hepler-7122a912b/https://www.facebook.com/clayton.hepler.3Episode Highlights:- It's best to use dividend paying whole life insurance policies to purchase income generating assets rather than pay down debt. - By investing in a policy, you're avoiding the issue of interrupting the compounding of interest on your investment.

In this episode, we debate which gives the better return, paying down your personal mortgage, or investing in property. This includes an honest analysis of both the pros and cons of each strategy, so you can decide what makes better sense for you. We also build this Pay Down Debt vs Invest calculator, which you can use yourself to get a sense of the different returns you might receive.

Financial debt is something that can hold back people of all ages — from 20-year-old college students to 70-year-old retirees. Tune in to discover simple tips to manage your debts before they snowball into tremendous financial distress, and worse, delay your dream retirement.

On this week's audio podcast, Miguel Gonzalez shares whether you should pay down your debt or save for retirement.

Dr. John Delony & George Kamel discuss: When it makes sense to leave a job, Should you sell the car? What to do with your 401k when you leave a job. Support Our Sponsors: Zander: https://bit.ly/2Xbn7hD  DreamCloud: https://www.dreamcloudsleep.com/delony  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

When I was asked to write my first personal finance book more than 20 years ago, choosing the topic was easy. It's in the title: Life or Debt. At the time, I'd been a nationally syndicated money reporter for about 10 years, and had seen first-hand the number of lives destroyed by debt. To this day, it seems like nearly everyone has a debt story to tell: getting in over your head, then the threatening calls, followed by months and years of digging out. As far as I'm concerned, debt in this country is a national disgrace. I'm not so much mad at the folks roped in by debt, although it's true people should accept responsibility for not being responsible. What gets me riled up is the way credit is peddled. The credit industry has sold it like it's crack cocaine. When I was in college, nobody was handing out credit cards or car loans to unemployed students. These days, if you can fog a mirror, you can get credit. You're encouraged to borrow to buy clothes, cars, vacations; anything and everything. This is insanity. Here's my philosophy: There are two ways to achieve financial freedom. The first is to make more money than you can ever spend. Tough to accomplish. The second is not to owe anybody anything. Not quite as good as option one, but it's possible for anyone to do. That's what this week's "Money!" podcast is about. We're going to talk about the fastest ways to destroy your debts forever. If one of your goals this year was to end it paying less interest than you did when it started, you're about to get a bunch of great information and great motivation. As usual, my co-host will be financial journalist Miranda Marquit. Listening in and sometimes contributing is producer and novice investor Aaron Freeman. Want more information? Check out these resources: 8 Surefire Ways to Get Rid of Debt ASAP 7 Great Tools to Help You Get Out of Debt 13 Ways to Get Out of Debt How to Pay Off $10,000 in Debt Without Breaking a Sweat Ask Stacy: What's the Single Best Way to Pay Down Debt? Stacy's stock portfolio Subscribe to the Money Talks News newsletter Take our course The Only Retirement Guide You'll Ever Need Take our course Money Made Simple Miranda Marquit's website Become a member: https://www.moneytalksnews.com/members/ See omnystudio.com/listener for privacy information.

Show Summary:In today's WIN, we discuss:America's Top 3 Financial New Years ResolutionsTech Trends That Will Change The WorldPope FrancisThe Best Diet of 2021 andFlu-RonaLeave A Voice Memo | Review The Show | Follow | Subscribe | NewsletterWhat Is Now:Sarah's W.I.N's:Sarah teaches us about Flu-Rona.  We talk about what this is and why it is dumb.Pope Francis is not a fan of pets!  We discuss what he said and why Sarah is mad at him.Peter's W.I.N's:Peter leads a discussion about how technology has infiltrated our lives and where it may be heading.  We have a thorough conversation about tech that we like and don't like and some of the moral and ethical issues around some of it.Gary's W.I.N's:The top 3 financial resolutions for 2022 per Yahoo Finance are Save More, Spend Less, and Pay Down Debt.  We review the best ways to go about doing all three of these.CNN has named their choice for the best diet of 2021.  An the winner is…The Mediterranean Diet!  We discuss the top 3 diets, what makes them good, and our stance on each.Fan Feedback:NoneResources:Episode 37Episode 41Episode 46Episode 52

Welcome to episode 39 of the Money and Investing Show. A space all about managing money and kickstarting you into the world of investing and finance.A series of bite sized episodes designed to simplify and equip you with the tools on how to get started along with some tips and tricks for those already investing.The goal of this show is to make investing more accessible to everyone, Introducing investing concepts and breaking down some of the jargon, common misconceptions and myths involved in stopping people from starting on their own journeyTodays episode covers:- Paying off Debt vs Investing- Interest Rates- Good Debt- Bad Debt- Snowballing- High Interest Debt - 5% ruleThroughout this series we hope you can find some key take aways to either; help you get started or polish your existing skillsLinks from Todays show:Music By:Ikson - https://soundcloud.com/ikson or https://youtube.com/ikson Questions or feedback: info@captialmediagrp.com ** Disclaimer**Please remember the information and opinions provided in this podcast is general advice only and does not constitute financial advice. This podcast was created without knowing individuals needs, financial situations or investment objectives. The hosts of this show may hold positions in the companies discussed. Before considering any investment please read the product disclosure statement and consider speaking to a liscenced financial professional

Whether your goal is getting out of debt or something entirely unrelated to personal finance, having a purpose is paramount.

23-year-old Margaux juggles two jobs, one at a non-profit and one part-time as a server, working 50 to 60 hours a week. Why the grind? She has $24,000 in student debt but also wants to travel. Evy speaks with financial adviser Jason Heath for recommendations. All of our participants have been granted anonymity, and so we'll be using voice actors for their quotes. If you would like to support the journalism of the Toronto Star, you can subscribe at thestar.com/subscribingmatters.

Today's topic we are going to answer the old age question of whether you should pay down debt or invest! My guest is Olivia Ewing CFP who is an Edward Jones financial advisor. She believes it's important to invest her time in understanding what you are working toward before you invest your money. She can work one-on-one with clients to help determine the most appropriate financial strategy for you and your family. Her primary goal is to help individual investors develop an investment strategy geared toward their unique, long-term goals. Whether you need to save for a child's college education, reduce taxes or plan for retirement, she can help. In this episode you'll learn: Whether you should pay down or invest money The true purpose of saving money Clarity on what financial advisors do for their clients    

In this weeks episode of Cheques & Balances James Blair and Michael Vincent discuss should I pay down debt or invest? Should I clear my mortgage or should I invest in index funds? It's a very topical question with record low-interest rates and appealing returns in other areas. On this episode, James and Mike have a friendly debate. James is pro clearing off the mortgage faster and Mike pro, investing and clearing debt at the same time. The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions. Hosted on Acast. See acast.com/privacy for more information.

In this episode, five guests discuss their top tips for getting out of debt.  In order of appearance. Fiscal Therapy Fc @fiscaltherapyfc (Facebook and IG) Filip Finance @FilipFinance (Twitter) https://www.filipfinance.com/ Latina on a Budget @latina_on_a_budget  (Instagram) Chris aka Myfirstmillion @Myfirstmillion3 (twitter and IG) The Disciplined Life @disciplined2021 Wise Juander Motivation @WiseJuander (facebook, twitter, instagram) https://www.wisejuander.com/ Want more Frugal Content? Follow me on: Twitter: https://twitter.com/thefruglife Facebook: https://www.facebook.com/TheFrugLife/ Instagram: https://www.instagram.com/the_frug_life_podcast Get a free stock when you sign up for WeBull and deposit $100. Use my link below: https://act.webull.com/i/TwIJ8klybvIo Music Credit The Purple Planet --- Send in a voice message: https://anchor.fm/thefruglife/message Support this podcast: https://anchor.fm/thefruglife/support

This week's question is one that we call fundamental but not simple. This question is so common that this week Zach and Ben work through it live to offer suggestions on how you can make a good decision. Whether you are updating your budget, receiving a raise, or planning what to do with your stimulus checks, learning to weigh your options more efficiently is an important change to your train of thought.Do you have suggestions for episodes? Reach out to Zach or Ben with your question at:ZAshburn@ReachStrategicWealth.comBen@GuideFP.comThe Dollar Derail is intended for general information and entertainment purposes only and should not be considered investment, tax, or legal advice or as a recommendation for the purchase or sale of any security. Zach is the founder of Reach Strategic wealth and Ben is the founder of Guide Financial Planning, 2 unaffiliated fee only Registered Investment Advisors.

When it comes to financial planning, one of the hardest things can be figuring out the best way to allocate your cash flow across different uses. Should you pay ahead on debt? Save and invest more for retirement? Put more toward another goal? In this episode, we talk about cash flow allocation and share tips and guidance for figuring out the right balance for you, one that helps you leverage your financial resources while also taking into account your unique situation.  Resources & People Mentioned Blog post on how to allocate your cash flow Connect With Trent and Andrew https://mdwmllc.com Follow on LinkedIn Follow on Facebook

Debt collectors that work with their clients one on one can help those clients budget for their current financial situation. When the collector is trying to set the client up on payments, we can auto debit those payments every other week. We try to get them to set up one loan with the collector but we can service multiple loans for the customer, they can add them on later after the collector sets up the first one. We can set them up on weekly, biweekly, or semi monthly. You can find out more information and how you can pay down your debt and make extra revenue. www.prioritypayplus.com and ask for Brendan Byrne at bbyrne@uptempopay.com --- Support this podcast: https://anchor.fm/jacqueline-h-waller/support

Dawn Starks of SimpleMoney explores whether or not it's a good decision to accelerate mortgage payments. Episode 1273: Should You Accelerate Paying Off Your Mortgage? by Dawn Starks of Simple Money Pro on Pay Down Debt or Invest Dawn Starks has been a financial planner for over twenty years. Her aim with financial planning work has always been to simplify things for clients. Making concepts easier to grasp and less scary is the goal. Dawn's SimpleMoney project - the blog, podcast, and soon-to-be courses and book is a co-project with her husband Greg. The original post is located here: https://simplemoneypro.com/blog/should-you-accelerate-paying-off-your-mortgage/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Dawn Starks of SimpleMoney explores whether or not it's a good decision to accelerate mortgage payments. Episode 1273: Should You Accelerate Paying Off Your Mortgage? by Dawn Starks of Simple Money Pro on Pay Down Debt or Invest Dawn Starks has been a financial planner for over twenty years. Her aim with financial planning work has always been to simplify things for clients. Making concepts easier to grasp and less scary is the goal. Dawn's SimpleMoney project - the blog, podcast, and soon-to-be courses and book is a co-project with her husband Greg. The original post is located here: https://simplemoneypro.com/blog/should-you-accelerate-paying-off-your-mortgage/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Nate Washington is cofounder and Chief Technology Officer of Qoins. He is a a native of Savannah, GA, and developed a passion for technology and problem-solving at an early age. He taught himself how to code by checking out books from the library. He's built several other apps and businesses over the years, including Codeless Academy, a platform that empowers people to build mobile apps without learning how to write code. Listen in on this conversation to know more about Nate, the Qoins App (www.qoins.io), becoming debt free and running a successful business. Let's get started!

Philip Taylor of PT Money shares how to pay off debt and be debt free. This is Part 1 of 2. Episode 1009: [Part 1] How to Pay Off Debt and Be Debt Free by Philip Taylor of PT Money on Saving Money to Pay Down Debt PTMoney.com is about helping you make extra money, save more money, and spend your money wisely--all in an effort to help you fix your finances so you can build the life you want. It was started by Philip Taylor, a CPA, entrepreneur, and blogger who started the site in 2007. He also created FinCon, the popular conference for financial nerds. The original post is located here: https://ptmoney.com/a-plan-to-be-debt-free-in-2009/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group! and Join the Ol' Family to get your Free Gifts Learn more about your ad choices. Visit megaphone.fm/adchoices

Philip Taylor of PT Money shares how to pay off debt and be debt free. This is Part 1 of 2. Episode 1009: [Part 1] How to Pay Off Debt and Be Debt Free by Philip Taylor of PT Money on Saving Money to Pay Down Debt PTMoney.com is about helping you make extra money, save more money, and spend your money wisely--all in an effort to help you fix your finances so you can build the life you want. It was started by Philip Taylor, a CPA, entrepreneur, and blogger who started the site in 2007. He also created FinCon, the popular conference for financial nerds. The original post is located here: https://ptmoney.com/a-plan-to-be-debt-free-in-2009/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group! and Join the Ol' Family to get your Free Gifts Learn more about your ad choices. Visit megaphone.fm/adchoices

Chris Reining shares why he's not paying off his mortgage. Episode 784: Why I'm Not Paying off My $100,000 Mortgage by Chris Reining on Pay Down Debt or Invest Chris Reining is a thirty-something guy who provides resources to help manage your money and career to become financially free. His own path to financial freedom has had ups and downs, which is what he writes about on his site. He's been featured in the New York Times, on the Today Show, CNN, CBS, Business Insider, LifeHacker, and more. The original post is located here: https://chrisreining.com/mortgage/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group! and Join the Ol' Family to get your Free Gifts With the SendPro software, you can compare shipping rates between carriers, plus save 40 percent off USPS Priority Mail shipping and get 5 cents off every letter you send. Our listeners can try it FREE for 30 days and get a FREE 10 pound scale, but only when you visit: PB.com/finance. Learn more about your ad choices. Visit megaphone.fm/adchoices

Chris Reining shares why he's not paying off his mortgage. Episode 784: Why I'm Not Paying off My $100,000 Mortgage by Chris Reining on Pay Down Debt or Invest Chris Reining is a thirty-something guy who provides resources to help manage your money and career to become financially free. His own path to financial freedom has had ups and downs, which is what he writes about on his site. He's been featured in the New York Times, on the Today Show, CNN, CBS, Business Insider, LifeHacker, and more. The original post is located here: https://chrisreining.com/mortgage/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group! and Join the Ol' Family to get your Free Gifts With the SendPro software, you can compare shipping rates between carriers, plus save 40 percent off USPS Priority Mail shipping and get 5 cents off every letter you send. Our listeners can try it FREE for 30 days and get a FREE 10 pound scale, but only when you visit: PB.com/finance. Learn more about your ad choices. Visit megaphone.fm/adchoices