Practical Prepping Podcast Episode # 231, "Tips For Saving Money"Please share this episode with friends, family, and on social media.In this episode we discuss: Money Saving IdeasDump cable or satellite TVUse a smart TV like a Roku Tv and a streaming service.Prices vary greatly, so do your research.Antenna TV is an option as well, and is necessary for local events and weather coverage.Eliminate that daily $5 cup of coffeeSaves money & tastes betterBuying in bulkAt wholesale clubs and by sharing with familyShopping at Dollar StoresName brands are the sameStore brands have significantly lower pricesIn the grocery storeUsing couponsBOGO dealsDivide larger quantities for later use.Buy generic medications when possibleEspecially pain relievers and stomach medicationsCombine car tripsSave gas by doing multiple errands in one trip.Do regular maintenance on vehicles Vehicles will last longer, and you'll get better fuel mileageUse cloths rather than paper towels"Bar mops" are bulk towels, usually a 12-14 inch square of white terry cloth save a lot of money compared to paper towels.Eat at/from homeEating out can get expensiveMeal preps for the week are very popularUtilize Ebay, Craigs List, FB market Place and thrift storesHere are some good sites: Shopgoodwill.comREI.comLowergear.com -Outdoorsgeek.comAll of these sites offer used gear.Do online price comparisons & shop locallyYou can see prices, compare, and call for availability.Online shoppingCompare prices, not all sites prices the same.Compare exact models, features.Read reviews.Utilize free shipping.Utilize free cancellations for travel or subscription-based servicesPlans/needs can change-don't get stuckPlease consider supporting the podcast.Your support helps us keep the podcast up and running, as well as growing. Here are several ways you can help:Amazon affiliate - start your shopping from our websiteIt costs you nothing extra, but pays us a little commission to support the podcast.Buy Us A Cup of Coffeebuymeacoffee.com/practicalprepBuy one of our books "Practical Prepping For Everyday People" "Making Contact During Emergencies" Linked from our website, On Amazon, or wherever books are sold.Contact us.Practical PreppingWebsite: www.practicalprepping.infoEmail at email@example.comWebsite design and hosting by ProLine DesignsCopyright 2022, Practical PreppingJoin us every weekday for more episodes of Practical Prepping Podcast, until June 1, 2022, when we will post new episodes on Monday, Wednesday, and Friday.
It's almost tax time, get ready to name it and claim it! Big thanks to accountant and m3 listener Aimee who joined Glen on the show to answer a bunch of your questions around:
Clark discusses how travel insurance and cancellations generally work, and a void in the market that AMEX is filling. Then, the discussion turns to weddings, a recent low cost nuptial ceremony that went viral and cash wedding gifts. AMEX Travel Benefit: Segment 1 Ask Clark: Segment 2 Budget Weddings: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Points Guy: American Express adds new ‘cancel for any reason' coverage option on flights The Points Guy: Why are airfare and hotel rooms so expensive right now? U.S. summer travelers can expect long lines, higher prices as COVID restrictions ease #1 Reason You May Not Need ‘Cancel for Any Reason' Travel Insurance The Best Credit Cards With No Foreign Transaction Fees How to handle money when you're traveling overseas How to Plan a Trip: Clark's Best Travel Tips to Save Money Clark Howard's Guide to Saving Money on Your Wedding Make Money Origami to Personalize Cash Gifts - YouTube Clark Howard: Books - Clark Howard Life Insurance Archives - Clark Howard Wedding & Event Flowers - Costco Wholesale Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Interested in joining the Full-Time Influencer program? Head to successfulinfluencer.com/join to find out how you can grow and monetize your following and start building your dream life today!About this episode:Mr. D (my husband) is back once again to weigh in on all your burning finance inquiries. In this episode, we talk about all things related to budgeting, saving, and investing. As well as the lessons we learned along the way so you can start building your own wealth. (DISCLAIMER: This is NOT financial advice. Please do your own thorough research before making any investments)Accounts / resources mentioned:Naval Podcast My First Million podcast Rich Dad Poor Dad by Robert Kiyosaki (listen to the Audible book | Buy the physical book)Atomic Habits (listen to the Audible book | Buy the physical book)Magic of Thinking Big (listen to the Audible book | Buy the physical book)Robert Green (author) Graham Stephan Youtube ChannelAndrei Jikh Youtube channelAlex Hormozi Youtube channelCHECK OUT THE SHOW NOTES FOR THIS EPISODE: www.fulltimeinfluencer.co/blog/season-2-episode-16FOLLOW US ON INSTAGRAM: @fulltimeinfluencer.co
If you've been watching the stock market in 2022, it's been mostly bad news. High-flying stocks from 2020 and 2021 have been crushed. Solid favorites have dropped dramatically, and all the headlines are talking about recessions.We recap some past episodes where we discussed how the economy works and inflation, and then dig into what's likely impacting the recent market declines. Covid required an influx of liquidity because the economy ground to a halt.Fed lowers interest rates and starts pumping cash into the economy.The government started providing stimulus to consumers, including increased unemployment.More money and lower rates drive prices up because people are less sensitive.Inflation starts to take over and prices skyrocket.Fed needs to raise interest rates to lower inflation. But higher rates makes borrowing to grow expensive and slow down business, which in turn freaks out the stock market.The fed's job is to balance the economy, and this is all cyclical. It's happened many times before and will happen many times more. This is about taking emotion out of investing and how to discipline yourself into making better decisions. We encourage everyone to look at the market's performance over time and have a broader perspective. We discuss some of the pitfalls to avoid with investing in the stock market. We wrap up the discussion with our advice on what you should do during any stock market decline. Top 3 takeaways:We're in a normal cycle of inflation, tightening fiscal policy, and stock market correction. Don't freak out.Don't gamble with your money. Invest consistently through ETFs to lower your risk.When things seem really bad, resist the urge to make emotional decisions. By the time you're freaked out, the chances are that the worst is over.Show References:Sign-up for free daily news Skimm updateFriends on FIRE - Episode #033 - Mike Explains the EconomyFriends on FIRE - Episode #068 - 5 Simple Steps to InvestingFriends on FIRE - Episode #144 - Inflation is out of control! What is happening?---Follow friends on FIRETwitterInstagramFacebookLinkedInLeave us a voicemail or text us: 404-981-3370eMail us at: firstname.lastname@example.orgVisit our website: www.friendsonfire.org---Other LinksMaggie's Blog: Mostly Minimal LifeMike's Book: Your New Relationship with Money
Who doesn't love a bargain! Isn't it great to save a few bucks here and there. The chicks from Chick2Chick are all about saving cash. They "chirp" with a Bargainista about ways to find deals and things you can do around the house to save in this podcast,"Saving Money is Making Money". You can also now watch Chick2Chick on the DB&A TV Network on Roku, Amazon Fire, and On Demand! Clothes courtesy Three Little Birds
From 1 June the HELP debt indexation rate increases from 0.6% to 3.9%. Should you pay off extra given the increase? Should you pay it off early? Glen explains how indexation and repayments work and shares his thoughts.Check out Instagram to see the index graphHECS-HELP repayment rates on the ATO website StudyAssist website
Are you seeing negative returns and wondering where the best place is to park your cash in these wild times? Glen explains why you need to take it back to your strategy. Thanks Andrea for asking the question in the Facebook group!Want more encouragement? Take a listen to investment strategy vs tactics
Tiny homes are changing the property game! Benj has a very cool story and shares how he built an eco-friendly tiny home which he now lives in with his partner Holly. Check out the cool photos on Instagram here! The chat touches on:
it doesn't have to be over-complicated to fill a garden bed and it defiantly doesn't have to be an expensive project. Learn to Grow. Grow for Change. Watch Backyard Kitchen- https://tubitv.com/series/300008729/backyard-kitchen Help support the podcast Become a Patron to grow our community garden- https://www.patreon.com/backyardgardens One time donation- Donate Here Products we recommend for your garden- https://www.amazon.com/shop/thebackyardgardner Backyard Gardens Gear- https://teespring.com/stores/backyard-gardens-tv Follow us at: Youtube- www.youtube.com/backyardgardens Instagram- www.instagram.com/backyardgardenstv Website- www.backyardgardenstv.com
Heads up! This episode's an entry level intro to investing concepts. Great for beginners or simply as an encouragement on your investing journey. Glen and guest host, Nathan Robertson, answer questions from the m3 Instagram community and talk about:
In this discussion, we cover many topics, including:The benefits of giving more or less notice when leaving a job. The reactions of coworkers as they shared they are retiring, and how that's changed over time.How they both became more efficient when they knew they were leaving and were better able to focus on the things that really mattered. The high and low of their last week of work. If they are having any regrets or second thoughts about leaving their jobs. The role campFI played on their journey.How they are both feeling, and how those feelings evolve through this process. They also answer some specific listener questions. Show References:Friends on FIRE episode #138 - How a family of 5 can afford to retire at 41 and 43 (part 2 of 5)campFI---Follow friends on FIRETwitterInstagramFacebookLinkedInLeave us a voicemail or text us: 404-981-3370eMail us at: email@example.comVisit our website: www.friendsonfire.org---Other LinksMaggie's Blog: Mostly Minimal LifeMike's Book: Your New Relationship with Money
Energy bills, the big food shop, the price of filling up the car - everything costs more just now and there's no sign it's going to change soon. Felicity Hannah and guests ask where can you look for cheaper options, to make our money go further, but still have some fun? She is joined in the studio by expert deal hunters who promise not to suggest cutting back on Easter eggs. Bukiie Smart, accountant and the creator of the Save Spend Invest. Claire Walsh, a chartered financial planner. And journalist & money saver extraordinaire Mike Powell. Producer Smita Patel Editor Emma Rippon
Happy Friday, Future Rich Fam! This week on the pod, Certified Financial Planner Barbara Ginty interviews the lovely Kelly! Kelly is a 22-year-old long-time listener of the podcast who lives in LA and works as an assistant at a production company. She's a rockstar at saving money and has saved an estimated 12K!!! Listen to learn how Kelly saved so much without having a particularly high-paying job and what Barbara's advice is for her to supercharge her retirement savings with minimal effort. Access our FREE educational downloads: www.futurerichpodcast.com/copy-of-classes Follow Future Rich to stay up to date, and let us know what topics you'd like Barbara to cover more in-depth this season. - Future Rich Website: www.futurerichpodcast.com/ - Future Rich Instagram: www.instagram.com/futurerichpodcast/ - Future Rich TikTok: www.tiktok.com/@futurerichpodcast
Not heaps about money in this one, so heads up. Today's guest is Alisha Aitken-Radburn.You might know her from the Bachie reality tv franchise but did you know that Alisha also has a background working in the political space! This is part 1 of two episodes where Glen and Alisha talk about how the Australian parliament and elections work and get into some fun stuff around political philosophies.Stay tuned for part 2 where we'll chat with Alisha about money and life!
This episode was recorded while I was in Mexico, because I wanted to say that I recorded an episode in three different countries, but it also contains a lot of my observations about the state of the economy, how to save money, and protecting yourself from inflation.
There's plenty of chatter in the community about whether to fix home loans off the back of the interest rate rise. Glen, John and guest host, Rachelle Kroon from Sphere Home Loans discuss mortgage & interest rates plus much more on today's episode. They touch on:
Even though Maggie has accomplished a massive amount of things financially and has put herself in a position to retire at 41, she's still afraid of a lot of things. We talk through a few things related to fear:Everything Maggie is afraid of. It's a lot of things.The definition of fear.The good and bad sides of fear.“Courage is not the absence of fear, but the triumph over it. The brave (wo)man is not she/he who does not feel afraid, but she/he who conquers that fear. -Nelson Mandela8 ways to conquer your financial fears:Be kind to yourself. Accept that fear is normal, especially when you're taking the path less traveled.Listen and learn. Educate yourself thru books, podcasts, youtube, blogs, and more!Know your numbers. Track your expenses + net worth. What gets measured gets better.Calculate your fears. Put #s against your fears, worst-case scenario them. You can deal with them.Remember, you're resilient. Your skillset is strong; you can work again and do whatever is needed.Write it down. Write down your fears, imagine the worst, rank, and prioritize them.Breathe + Meditate. Leverage the science that proves breathwork and meditation can help you with fear and anxiety. And the good news is these practices are easy and free.Find your community! Surround yourself with like-minded supportive people. Your community is powerful!Top 3 takeaways:Fear is normal.Courage is not the absence of fear but our ability to triumph over our fears.There are things you can proactively do to push through your fears, so do them!Show References:campFIBook: Bag Lady PapersFriends on FIRE episode #27 - Why Tracking Net Worth MattersFriends on FIRE episode #15 - Expense Tracking Gone WildNet worth tracking spreadsheetExpense tracking spreadsheetFriends on FIRE episode #130 | Where meditation and money meetMostly Minimal Life: An introduction to fearFIRE---Follow friends on FIRETwitterInstagramFacebookLinkedInLeave us a voicemail or text us: 404-981-3370eMail us at: firstname.lastname@example.orgVisit our website: www.friendsonfire.org---Other LinksMaggie's Blog: Mostly Minimal LifeMike's Book: Your New Relationship with Money
Uncomfortable conversations to have always involve money. Debt. Bad Credit. It is hard to understand the relationship with credit and money if you never want to talk about it. Here at Salon Chair Chronicles, friends put friends on. Tee and Nickey J really just wanted to know more about NFTs, Crypto, Bit coin doggy whatever and the new verse thing "they" be talking about, but Oh Boy did the episode take a turn. This How To edition on Currency features Greg Belger of Belger Financial. After the hard to hear stuff, Greg is really an all around nice guy that drops specific details and instructions on Basic Investing, Thinking Rich and his formula for legacy planning. If you don't understand the 72/24 rule and how $1000.00 twice a year can save your whole life.....you will be poor and working until the day you die. Ouch right! There's more .....Do you know your Status? like really? Can you leverage your current credit to buy anything you want? Celisia Harris of @STATUSCREDITADVISIORS, first of all looks like money. But has also curated a business debunking the notation that credit repair is a scam. Credit Repair is strategy and diligence she says. It is also knowing the rules. Who knew Bankruptcy on your Credit Report is really just some sneak dissing. Or that one of these lousy credit bureaus is just a wanna be reporter, really. Tune in Tee and Nickey J needed this. For sure you might too. Friends don't let friends not know. Listen to this one 2 times and take notes. Build WEALTH yall
How do you set up your super and finances if you plan to live in another country for awhile? Glen and John chat about this question from Rohini and more including:
The average person is paying $60-100 a month for a cell phone plan, but in reality, we think that's way too much! Most people can get solid and reliable coverage for $25-40 a month. This is our advice for what to consider as you research and explore new cell phone plan options. Do your research and decide what you need:Where do you live, and who has good coverage? These days all carriers tend to have excellent coverage. How much data do you need? For example, unlimited data usage versus are you OK with a cap on your data usage. What type of phone do you have or need? How many lines do you need? Pre-paid plans vs. traditional cell phone bills Almost all carriers have cheaper plan options if you go with a “pre-paid” plan. We explain what these plans are and why they cost less.Some of the best low-cost cell carriers out thereTheir offers are constantly changing, so when you're ready to look into things, you need to go and see who's offering what. Even if we made a massive spreadsheet highlighting and comparing them all, someone's would change next month. Consider offer stacking. For example, you can sign-up through Rakuten for cashback or a sign-up bonus using a friend's referral link. The best discount companies we have found include Visible, Cricket Wireless, Mint Mobile, GoogleFI, Tello, and pre-paid plan options with any of the big networks like Verizon and AT&T.Approaches for traveling internationallyPick up a local SIM card or rent a wifi hot spot while traveling. You can buy international time/packages through many previously mentioned carriers, but they can get quite pricey. So if you go this route, manage your data usage proactively while traveling!Top 3 takeaways:You're likely paying too much if you're paying more than $40 a month for your cell phone plan.Do a little bit of research or accept someone else's research and make a change to save money today. Don't get sucked into clever marketing. Generally speaking, cell phone plans are a commodity product, and you'll get the same service from everyone.Show References:friends on FIRE episode #021 | Cell Phones and TV and Internet, Oh My!Visible referral link - first month is $5---Follow friends on FIRETwitterInstagramFacebookLinkedInLeave us a voicemail or text us: 404-981-3370eMail us at: email@example.comVisit our website: www.friendsonfire.org---Other LinksMaggie's Blog: Mostly Minimal LifeMike's Book: Your New Relationship with Money
While KFI News Director Chris Little fills in for Jen, Jen and Dean visit from the past to provide this week's edition of Jen and The House Whisperer, where she and Dean talk about why design matters most, and how getting to the heart of any problem saves money in the long run.
Are your investing decisions based on a long term strategy or tactics? Glen and Jody Fitzgerald from Morningstar Investment Management unpack the difference in this short and sharp episode.m3 episode mentioned in the chat: 516b inflation & interest rates 101, investor behaviours + a checklist for investing in volatile marketsmy millennial money express is now my millennial investor!
Do you find Social Security confusing and even complicated? We have all of the answers to questions that you didn't even know you had. We are joined by Liz Odhwani from the Social Security Administration who does not skip a beat in providing all of the answers to social security, retirement benefits, Medicare, the future of social security. We even get into the nitty gritty details of when it apply for benefits providing you with the information to make the best decision for you and your family. The background music is written, performed and produced exclusively by purple-planet.com. https://www.purple-planet.com/
In today's Office Hours, Eric answers Felix's question: what is the most valuable employee benefit I should take advantage of? This is a great question and the answer varies by person, but there are a few employee benefit options that most people underutilize and even ignore. Find a full transcript of this episode at dontretiregraduate.com. Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!
Australia's on the brink of an interest rate rise for the first time in over 10 years, wild! Jody Fitzgerald from Morningstar Investment Management returns to the show to unpack this along with four things that investors can do to make better decisions when the share market is volatile.Mentioned in the chat:238 psychology of investing
We love our pets but they can hurt the wallet from time to time. Should you have a separate emergency fund for them? Glen and guest cohosts, Shell Johnson from my millennial career and James Millard from Sufficient Funds discuss this and more including:
A recipe is just something that someone created to make a meal. There is no rule that a recipe must be followed exactly as written. Most times you can substitute or leave out ingredients and still have a good meal. This will help save on spending money on extra ingredients that you might not really need. https://www.lolasfrugallife.com https://www.facebook.com/LolasFrugalLife/ Support this podcast: https://anchor.fm/lolak/support For one month free of Skillshare Premium, go to: skillshare.eqcm.net/lola --- Support this podcast: https://anchor.fm/lolak/support
Hey gorgeous souls and welcome to my 220th podcast episode and Season 5! I'm excited to share with you my top tips, advice, and tools on how you can save money with couponing and money-saving tips from my Coupon Queen days, whilst also sharing how to make and manifest more as Spiritual Queen! I hope you enjoy this episode! xxOrder my NEW #1 bestselling book Positively Wealthy - https://emmamumford.co.uk/positivelywealthy/Order The Positively Wealthy Journal - https://emmamumford.co.uk/the-positively-wealthy-journal/Money Manifestation Meditation - https://youtu.be/iGU_EQh52LMMartin Lewis website - https://www.moneysavingexpert.com/Join my Manifestation Membership (Doors Open) - https://emmamumford.co.uk/manifestationmembership/1-to-1 Spiritual & Business Coaching Sessions - https://emmamumford.co.uk/life-coaching/My Amazon Book Recommendations - https://emmamumford.uk/2YvIh78My Law of Attraction Shop (Oracle Cards/Merchandise/Planners) - https://emmamumford.co.uk/shopFREE Spiritual Queen Weekly Worksheet - https://emmamumford.uk/2OFsykSJoin My FREE Law of Attraction Facebook Support Group - https://www.facebook.com/groups/722583187942837/Order My First Book Spiritual Queen + FREE Webinar - https://emmamumford.uk/2yXADqYDon't Forget To Subscribe x-------------------------------------------------------------------------------------
In this discussion with Landshark, we cover many topics, including:Where he came up with the name LandShark.How we grew up financially as the child of immigrants. His parents instilled in him the idea of being smart with his money and not wasting it. His career as a lawyer and how he was initially inspired to seek financial freedom. His early influences in the FIRE space.The concept of what enough is. How much does someone need?His career as a lawyer has been successful and has allowed him to have the means to retire.He transitioned from an equity partner in a law firm to a consultant/contractor as he eased into early retirement and finished his cases. His initial early retirement plans and what he wants to focus on. Four areas he plans to focus on: exercise, creation, learning, and family time. What he learned from the Marshall Wildfires and how he's now helping his community through it. The problem that many people are underinsured. Double-check your insurance policy to ensure you're ensured enough to truly replace your home. Life is short, and we're not going to live forever. It's so important that we live mindfully and focus on our values. “We're not as important as we like to think we are. To our employers, we're all replaceable. You don't need to ask yourself for permission to live the life you want to live; you just need to do it. A lot of people don't because it's easier to stay in the situation you're in.”How making a change is hard and living your life without regrets. Think about the things you value in life and prioritize those values. He's benefiting from Wife-FI, which is that his wife is still working so he can stay on her medical benefits. How he talks to his kids about money. His biggest life lessons and advice. Show References:www.landshark.orghttps://twitter.com/iamlandsharkhttps://www.facebook.com/iamlandsharkSNL (Saturday Night Live) Landhsark Skit Mr. Money MustacheVogleheads forum Mint - Free budget tracker and plannerPersonal capital Book: Vogleheads guide to investing bookNetflix show: Inventing AnnaStockpile (we said Splitwise accidentally, but we meant stockpile)---Follow friends on FIRETwitterInstagramFacebookLinkedInLeave us a voicemail or text us: 404-981-3370eMail us at: firstname.lastname@example.orgVisit our website: www.friendsonfire.org---Other LinksMaggie's Blog: Mostly Minimal LifeMike's Book: Your New Relationship with Money
Are you aware that doing the "right thing" with your money may, in fact, be costing you? This is a fun and enlightening permission-giving episode! If you like this episode, please consider rating and reviewing the podcast on Apple Podcasts if you enjoy this episode! This helps to get the message out to more people just like you. And be sure to click the "Follow" button to get notified of updates. Also, I'm hosting a free workshop that will show you how to further coach yourself through any of life's challenges. Check it out here.
Investing, business, family, relationships - today's episode is a biggie! Special guest Luke, who is a listener of the show joins Glen and Vince for the campfire chat:
Vicky Nguyen is answering the top Google questions on inflation and sharing different ways you can save. Plus, Craig Melvin tells the story of how a New Jersey community rallied around a World War II vet after he lost his home in a fire. And, meet the social media influencers cloning their pets.
Money, relationships, politics. We're talking about the big stuff in today's episode with guest host, Victoria Devine from She's on the Money.
We start off by sharing some stats on why sustainability matters. This is for us; this is for our kids and the next generation. We need to leave this earth better than we found it, but we're not always doing that. We're skipping past some basics like bringing bags to the grocery store or installing a digital thermostat, hoping to challenge your way of thinking and encourage you with new tips and ideas. Little daily things you can do to improve sustainability:Use less of things. People think they need way more toiletry-type products than they do. You don't need a full pump of hand soap; you don't need as much toothpaste as you're likely using, you don't need as large of a pile of face soap on your hand, etc. Get every last bit of things before throwing them away or recycling them. Cut open your containers if you have to; get creative about getting that last bit of something! Use cloth napkins instead of disposable paper towels and napkins. Reuse glass and other containers. It takes about 4,000 years for glass to decompose. So reusing those glass containers vs. buying fancy storage containers is a great practice.Compost. It saves water, conserves landfill space, and reuses food scraps for a meaningful purpose. Wash your clothes in cold water. Up to 90% of the energy used during a washing machine's cleaning cycle goes into heating the water, so use the cold setting.Make your cleaning supplies. Make a simple cleaning solution from water, vinegar, and peppermint essential oils (use any scent you like). Buy and use metal straws. Use reusable k-kups. It saves tons of money and is better for the environment. Don't buy pre-packaged snacks. Instead, buy them in bulk and then put them into reusable Tupperware for individual servings for your kids or selves. Don't buy bottled or sparkling water in cans. Instead, consider investing in a soda-sense or Berkey water filter. Also, use refillable water bottles and always pack them when you're out and about. Buy less canned foods and buy things like dry beans. You can cook them in your instant pot so quickly. Bigger lifestyle things you can do to improve sustainability:Eat less meat. We're not going to try and convert you, but the reality is eating less meat can save you money and reduces your carbon footprint. Control the temperature in your house. Keep it a bit less warm in the winter and a bit less cold in the summer. Put on a sweatshirt if you're cold. Put on a tank top if you're warm. Install low-flow showerheads. You can find many on Amazon or at your local home improvement store. Consider becoming a one-car family. Could you get by on this? Of course, there could be times you need to call an Uber, but that's still a lot less than the cost of ownership of a car. Consume and buy less physical stuff. Keep the things you have for longer. It puts less in our landfills and is better on your wallet. Buy used items. Consignment shops, sites like eBay and Poshmark, Minimize the disposable products you will buy.Join a buy-nothing group in your neighborhood! Eat out less. We just did a show on this! Live in a smaller home! Smaller homes come with less furniture, less cleaning materials, less heating and air, less water, and a smaller mortgage.Top 3 takeaways:We need to do more to help and support our environment. Sustainability practices help the environment and your wallet too. It starts with you. Your small changes do have a meaningful impact!We challenge you to pick a few new practices you will try out and commit to for the next 30 days. And then hopefully 30 years!Show References:friends on FIRE episode #017 - Crazy frugal stuff we dofriends on FIRE episode #111 - Gift economies and buy nothing groupsfriends on FIRE episode #143 - We have food at home and so do you￼Mostly Minimal Life: Paper towels are sillyArticle: 50 facts for 50 yearsArticle: How to save money by going green---Follow friends on FIRETwitterInstagramFacebookLinkedInLeave us a voicemail or text us: 404-981-3370eMail us at: email@example.comVisit our website: www.friendsonfire.org---Other LinksMaggie's Blog: Mostly Minimal LifeMike's Book: Your New Relationship with Money
Last week, in behind-the-scenes podcast #8, I shared with you some of the very real fears that I have about leaving New Zealand to travel Europe for six months. One of those fears is leaving my kids behind. In particular my 17 years old daughter, Tessa. As any parent knows, a lot happens in the life of a teenager. Multiple dramas arise. Drama's that, as a parent, one likes to be around to help navigate. Calm the waters. Guide them through. For the first time ever in Tessa's life (and mine as a parent) I won't be here for her. And the thought of that (still) scares me. In this week's behind-the-scenes podcast you will get a glimpse into the life of my daughter. You will see what goes through the head of this extraordinary seventeen-year-old girl as she grows up in New Zealand. I hope that you love listening to her as much as I do. Enjoy. My most thought-provoking writing is shared in my weekly newsletter with my circle of friends. I would love to include you in that group. Sign up below. Sign up HERE and I will send you my free weekly newsletter. It is filled with nothing but goodness and thought-provoking stuff. You will love it. But be warned. Sometimes I cry and drink wine while I'm writing. If that sounds like your sort of thing then sign up here and we will be lifelong friends. Being 17 in New Zealand. In This Week's Show Tessa and I Discuss: 1: Working as a waitress in the local diner and dealing with hostile people in New Zealand 2: Tessa feeling overwhelmed and why. 3: Travel. The fears she has. 4: Taking drama classes in New Zealand. 5: How a New Zealand dance teacher makes the whole class cry. Moving To NEW ZEALAND? If you are moving to New Zealand and are in search of the BEST New Zealand content in the world then check out our brand NEW Podcast - NZ AHEAD Want More Behind The Scenes Podcast Episodes? (Where we share the things that are happening in our lives right now). Episode #1: Meeting Our Teenage Daughter. Life at 17. Episode #2: Our Son at 20. Homeschooled. No College. Three Jobs. Episode #3: We Met Online. The Māori Subscribers Who Changed Our Lives. Episode #4: The REAL Reason We Left the UK. Episode #5: When Your Daughter Quits School. Now What? With Tessa Episode #6. Dealing With The Mistakes You Make Online Episode #7. We're Leaving New Zealand. Episode #8: Why I'm Terrified to Travel. Can't Wait To Travel Again? Here's Some Inspiring Content For You! 7 Most Beautiful Places on Earth (And Why You Need To Visit Them SOON! Japanese Culture. 7 Things You Should (Really) Know BEFORE You Go How to Travel The World For Free. Or at Least Very, Very Cheap. Italy Travel (Like You've Never Seen Before. In Your Life.)
I'm Losing Weight And Saving Money At The Same Time (3 Tips) Hello beautiful humans, thank you for listening and supporting the Thrive Forever Fit Show. It truly means the world to me that you take time out of your precious day to listen to me ramble and rant about things I found entertaining, engaging, and meaningful. In this episode, I answer the question, "where do I start?" Then, I will give you three simple and free (one will even save you money) tips on how you can start losing weight today. Using myself as an example, I decided to eliminate all unnecessary calories from my daily intake for the month of April. I found myself falling into the habit of eating a protein bar and/or coconut yogurt every single day. Not because I was hungry, but because it became a habit. This elimination will save me over 15,000 calories for the month of April. Plus, it's going to save me hundreds of dollars. I've also adopted the new habit of going on two wellness walks every day. Again, listen to the pod, and you'll understand why I love this new habit. Lastly, hydration, hydration, hydration, with temperatures rising, the need for more water and electrolytes is paramount. I use my Thrive Elite BCAA+ to ensure I'm also at maximum hydration. Hydration helps with metabolism, mood, and all metabolic activity inside your body. Tip #1: Eliminate Unnecessary Calories Tip #2: Increase your movement by 10% (this can be a simple walk) TIP #3: Hydrate Listen to the show for the details and strategies I use to make these three simple tips highly effective. If you love the show, it would mean the world to me if you'd like it, share it, and review it. That's the only way I can help more people and continue to fulfill my mission of helping others overcome pain and start living a life of peaceful passion. ❤️ ~ Jay If you'd like to join my FREE Facebook group, where we dive into strategies and tools needed for a successful life, I'd LOVE to have you. It's called the Wellness Lab, and it's filled with amazing people just like you. Click here to join for FREE: Wellness Lab: https://www.facebook.com/groups/wellnesslablaunchpad I also offer one on one and group lifestyle transformation coaching. You can check it all out at Thrive Forever Fit: https://www.thriveforeverfit.com/
RDB Podcast Episode 15! Sarkis is back on and has alot to say! We talk about how he got arrested for arguing with the Police and get into a discussion about spending money vs saving money. Of Course the usual car talk included and much more. Main YouTube Channel: @RDB LA www.RDBLA.com
What is inflation?Inflation is the steady rise in the cost of goods and services. It's normal and part of a healthy economy. In theory, a healthy economy sees wages rise as the cost of living increases. What drives inflation?Supply and demand can both drive inflation. Think of it like this: If there's a bad harvest of oranges, the price of those oranges will go up because there is less supply. But if people go bonkers for oranges, they start to compete, which drives up prices. If any of these things are sustained, that's inflation.More money can also cause inflation. If you are suddenly flush with cash from a bonus at work, you probably care less about a few dollars extra for dinner, right? We see this when the Fed pumps money into the economy for cheap. Think home mortgages.Is inflation bad?Inflation is good but at a manageable pace. So right now, we're not in what's referred to as hyperinflation, but its ramp has been fast.The Federal Reserve's main job is to control inflation, and they do this by managing interest rates. Cheap interest rates can jump-start the economy, but too much cash or for too long can cause inflation.How is inflation measured?“The CPI represents changes in prices of all goods and services purchased for consumption by urban households.” - US Bureau of Labor Statistics. “Indexes are available for major groups of consumer expenditures (food and beverages, housing, apparel, transportation, medical care, recreation, education and communications, and other goods and services).”What inflation isn't, though, is your everyday expenses increased by 7% or whatever the official inflation number is. If you don't pay for rent or aren't buying a car or sending your kid to college, your inflation number is different.But some things I'm buying are the same price!That might be true. Not everything is more expensive, but most things are. Marketers are savvy, though, and they've tricked you. It's called “Shrinkflation.”That box of cereal might still be $4, but check the weight as it's 25% less now. The box is taller but thinner. You get more Cadbury cream eggs, but they are all smaller. What can you do to mitigate inflation?The first thing is just to control your spending. The less you spend overall, the less inflation will impact you in absolute dollars.Shop differently. Supply chain struggles are real, so if you buy something imported by ship or air, that will see a big cost increase. So instead, shop local, shop smaller, ship items together, or wait altogether.Check the cost per unit. This applies mostly to food, but see how much you spend per oz or unit and compare prices that way, not by overall cost.Remember that inflation is a real thing that will impact your future. It's easy to just calculate in a flat percentage increase year over year, but also think about the big purchases like houses, cars, medical care, and college.Lastly, just deal with it. It's a reality of capitalism, and you'll be ok. Control what you can control, and don't worry about what you can't control. Top 3 takeaways:Inflation is a normal part of healthy economies.The inflation numbers you hear in the news are based on the Consumer Price Index and reflect the aggregate increase of all things being sold.Keeping your spending low is extra important now, so use current inflation as a reason to scrutinize your expenses and keep them low.Show References:friends on FIRE episode #111 | Gift economies and buy nothing groups---Follow friends on FIRETwitterInstagramFacebookLinkedInLeave us a voicemail or text us: 404-981-3370eMail us at: firstname.lastname@example.orgVisit our website: www.friendsonfire.org---Other LinksMaggie's Blog: Mostly Minimal LifeMike's Book: Your New Relationship with Money
Welcome to another episode of The Action and Ambition Podcast! Joining us today is Joel Sandoval, CEO of Sandoval Tax CPAs, an English and Spanish-speaking CPA Firm in Bakersfield, California, helping small businesses increase cash flow and save tens of thousands of dollars in taxes. Their ideal clients are small businesses making between $500,000 and $5,000,000 in annual revenue. He was also the Accounting and Finance Manager responsible for preparing and distributing quarterly and annual Investor Reports on a timely basis. Don't miss a thing. Tune in to learn more!
Do you want to save money on taxes? Tax law changes happen all the time, and one of the current ones related to the pandemic era is worth visiting your tax professional if you are self-employed or are an employee. This episode is worthy of your attention! Key takeaways to listen for Who can take advantage of the tax credit due to COVID-19? 6 criteria to qualify for the tax credit How to claim the tax credits? Family leave tax credit: Its definition and how much you can save How NC Law helps small businesses save money on taxes Disclaimer: **Please always verify with tax professionals as I am not one!** Resources mentioned in this episode The Residential Real Estate Council Chris Bird IRS Form 7202 Form 941 (Rev. March 2022) Paycheck Protection Program (PPP) Economic Injury Disaster Loan (EIDL) Coronavirus Aid, Relief, and Economic Security / CARES Act Internal Revenue Service (IRS) YouTube Video: NEED A BETTER TAX REFUND? Here's a Tip for the Self-employed! Do you Want to SAVE MONEY on your Taxes? How NC Law Can Help Small Businesses Save Money on Taxes Connect with Leigh Please subscribe to this podcast in iTunes or in the Podcasts App on your phone, and never miss a beat from Leigh by visiting https://leighbrown.com. DM Leigh Brown on Instagram or on Twitter or any social networks by clicking here. Subscribe to Leigh's other podcast Real Estate From The Rooftops! Sponsor Leigh Brown University Enroll NOW to start scaling YOUR Real Estate business! Link: https://www.leighbrownuniversity.com/advanced
Kristin Wong with Get Rich Slowly talks about how saving money cost her money Episode 1846: How Saving Money Cost Me Money by Kristin Wong with Get Rich Slowly on Not Saving Too Much Money J.D. Roth has been reading and writing about personal finance for a decade. Today he's financially independent, but ten years ago, his money life was a disaster, with over $35,000 in consumer debt. He started turning everything around in 2004. By being the boss of your own life, you, too, can be the master of your own financial fate. The original post is located here: https://www.getrichslowly.org/how-saving-money-cost-me-money/ 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