Podcasts about spend less

In this episode, we're playing a round of This or That: Travel Edition — where we'll go head-to-head on all kinds of travel preferences. From window vs. aisle seats to street food or fine dining, we'll find out just how much we agree on… and maybe where we don't. So grab your favorite travel snack, and let's dive into some rapid-fire travel decisions that might say more about us than we think. Some links are affiliate links. See our disclosure. Travel More, Spend Less, Skip the Become a Sunshine Travelers Insider and get the latest and hottest travel deals delivered straight to your inbox -- for the price of a cup of Joe, you could save hundreds, if not thousands on your next trip. Come with us to visit the end of the Earth, Antarctica, the seventh continent — a true-bucket list destination - in 2026! Get all the details and sign up here! Come with us on a Bucket List Safari Adventure in Kenya. Get on our Priority Waitlist here, another Bucket List destination that you won't want to miss - June 2026. Get all the details and sign up here! You're already planning everyone's vacations. Might as well get paid for it. Get Our Ultimate Packing Guide for Traveling Smart and Packing Light + Access to Exclusive Weekly Content here. Do More with Viator. Visit sunshinetravelers.com/viator to book local tours & experiences you'll remember. Stay connected when you travel for WAY LESS than using your carriers international plan, download an Esim from Gigsky and save a ton of money. Use code sunshine for 10% off Never Overpay for a Flight Again, Get Daily Drop Pro Don't waste your precious vacation time with Jet Lag, Get Flykitt and watch Jet Lag disappear! Protect your privacy, increase your security, keep your browsing data secure, and don't get locked out of websites with Express VPN - get 3 months free with a yearly plan Get travel inspiration, tips & destinations on our BLOG Follow our travels on Facebook Follow our travels on Instagram Save our travel ideas on Pinterest See our travel videos on You Tube Follow our travels on TikTok Follow us on X (Twitter) Connect with us on LinkedIn Connect with us on Threads Music by Dmitrii Kolesnikov from Pixabay

Dr. Latifat is the author of the Amazon bestselling books Done With Broke: The Woman Physician's Guide to More Money and Less Hustle and The Power to Choose: The Woman Physician's Guide to Financial Liberation and Life on Your Terms. She is also the founder of MoneyFitMD, a financial empowerment platform designed to help women physicians achieve financial independence without sacrificing their well-being.In this episode, she is joined by Dr. Courtney Downes, a credit card points expert who breaks down how these points can be used to fund travel dreams without draining your wallet. It's an eye-opening conversation about practical tips, mindset shifts, and how to make your everyday spending work for you.Key Takeaways:Credit card points can fund your travel.Strategy beats quantity.Your dream life is doable.Timestamps: 00:00 Welcome to MoneyFitMD00:45 Feeling overwhelmed by credit card points?03:15 Meet Courtney: points are her love language07:40 How to start using credit cards for travel rewards13:10 Why mindset matters more than the math16:30 Top tips for first-time points users21:05 Mistakes to avoid when collecting points26:55 Final motivation: living your dream life todayConnect with Dr. Latifat:☎️ Book A Call: https://www.moneyfitmd.com/call

Welcome back to the Sunshine Travelers Podcast. Today's episode is a special one — it's not about a dream destination or a luxury getaway, but about the powerful impact travel can have when it's driven by purpose. Today we're talking about a different kind of journey — one that involves hammers, teamwork, and a whole lot of heart. Melissa recently returned from Paraguay, where she joined a Habitat for Humanity build, helping to construct safe and affordable housing for a family in need. This wasn't about sightseeing or sampling local cuisine — it was about rolling up your sleeves, connecting with a community, and making a tangible difference. So in this episode, I'll be turning the mic toward Melissa to hear all about her experience — what the work was really like, and what she brought back with her that no suitcase could hold. Some links are affiliate links. See our disclosure. Other Episodes You'll Love; Episode 97 - How to Travel With Purpose in 2025: Volunteer and Service Travel Trends Get Our Ultimate Packing Guide for Traveling Smart and Packing Light + Access to Exclusive Weekly Content here. Travel More, Spend Less, Skip the Become a Sunshine Travelers Insider and get the latest and hottest travel deals delivered straight to your inbox -- for the price of a cup of Joe, you could save hundreds, if not thousands on your next trip. You're already planning everyone's vacations. Might as well get paid for it. Using our links helps support our Podcast, at no extra cost to you, Thank you! Do More with Viator. Visit sunshinetravelers.com/viator to book local tours & experiences you'll remember. Stay connected when you travel for WAY LESS than using your carriers international plan, download an Esim from Gigsky and save a ton of money. Use code sunshine for 10% off Never Overpay for a Flight Again, Get Daily Drop Pro Don't waste your precious vacation time with Jet Lag, Get Flykitt and watch Jet Lag disappear! Protect your privacy, increase your security, keep your browsing data secure, and don't get locked out of websites with Express VPN - get 3 months free with a yearly plan Read more about this and other travel destinations on our BLOG Follow our travels on Facebook Follow our travels on Instagram Save our travel ideas on Pinterest See our travel videos on You Tube Follow our travels on TikTok Follow us on X (Twitter) Connect with us on LinkedIn Connect with us on Threads Music by Dmitrii Kolesnikov from Pixabay

Pain is a signal that something is wrong.Pain whispers, shouts, and screams, “Pay attention. Be careful. Something is wrong.”Jean Marzollo wrote a children's poem in 1948 that romanticized Christopher Columbus. It inspired a generation of children during the Captain Kangaroo years. Her proud poem begins,“In fourteen hundred ninety-twoColumbus sailed the ocean blue”Bill Bryson wrote an insightful summary of that famous voyage on page 205 of his book, “At Home.”“Columbus's real achievement was managing to cross the ocean successfully in both directions. Though an accomplished enough mariner, he was not terribly good at a great deal else, especially geography, the skill that would seem most vital in an explorer. It would be hard to name any figure in history who has achieved more lasting fame with less competence. He spent large parts of eight years bouncing around Caribbean islands and coastal South America convinced that he was in the heart of the Orient and that Japan and China were at the edge of every sunset. He never worked out that Cuba is an island and never once set foot on, or even suspected the existence of, the landmass to the north that everyone thinks he discovered: the United States.”We learn the meaning of pain as children, but we train ourselves to ignore it as adults.Why do we do that?I'm talking to you about the pain of your Google spend.Is there a chance that you should pay attention – and be careful – because something is wrong?Twenty years ago, Google inspired and electrified American business owners with their promise of “holding ad budgets accountable” by making advertising results, “identifiable, measurable, and scalable.”Business owners romanticized Google by shouting,“Hooray! Advertising will now become just another mathematical equation! Hooray! Hooray! To double my customer count, all I will have to do is double my ad budget!”I watched a friend of mine raise his monthly Google budget from $20,000/mo. to $70,000/mo because he was convinced that he would get three-and-a-half times as many leads. When it didn't work, I asked him to look closely at how many clicks he had purchased and compare that number to the total population of his trade area.Have you done that math?I watched another friend of mine elevate her Google budget until she was spending $90,000 a month. Her business was no longer profitable. I asked her to look at how many clicks she had purchased and compare that number to the total population of her trade area.Have you done that math?Have you ever raised your Google budget and had Google say to you, “We're sorry, but it is not possible to spend that much money on your LSA. There simply aren't enough people each day who are searching for what you sell.”Do the math.The past two decades have been the Captain Kangaroo years for millions of business owners.Bill Bryson wrote that Columbus was, “convinced that he was in the heart of the Orient and that Japan and China were at the edge of every sunset.”How many years have you been believing that your big payday from Google was at the edge of every sunset? Have you been saying,“All we need to do is tweak our plan a little. As soon as we figure out the Google algorithm, we're going to be rich.”A business owner from a major American city recently spent a day with me. He had been spending $100,000 on Google ads each month for the past few years because he was convinced that he could not afford mass media in his city.His budget could easily have made his name a household word by using television or radio. I know the town well. I have had clients there for many years.His budget would reach more than 2 million...

Welcome back to another episode of Magic Moments! ✨ In this episode, I sat down with Stephen Cowgill. Stephen is an entrepreneur who's made a real name for himself in real estate and business strategy.  We got into everything from monthly financial check-ins to how making finance feel like a game can totally change your relationship with it. Stephen walked me through his journey - he wasn't always a numbers guy but now he's a financial forecasting nerd… in the best way. And it's all because he built a support system that helped him get it without getting overwhelmed. We talked about how financial clarity isn't just about spreadsheets and budgets - it's about creating space for better decisions, and actually enjoying the process. We explored the real power of getting your numbers in order early and how that can save you major headaches down the line. Here's a few of the gems you'll walk away with: Why monthly financial reviews aren't just a nice-to-have - they're a game-changer How early financial systems can be your secret weapon for long-term growth The role experts can play in challenging your assumptions and streamlining decisions Why treating finance like a game might just make you love it And how a solid 12-month forecast can help you see your future with way more clarity If you've ever felt like finances are the un-fun part of business, this episode is 100% for you.  Did you enjoy this Magic Moment? Click here to listen to the full episode.

Send us a textSellers miss this simple text SEO fix on Amazon listings. It helps boost indexing and get seen fast.Steven shows how to add crawlable text, fix meta descriptions, and check keyword growth using Helium 10.Grab the free SEO Toolkit that shows exactly how to get your Amazon listings seen and ranked. https://bit.ly/457zjSl#AmazonSEO #AltTextAmazon #AmazonSellers #EcommerceSEO #Helium10Watch these videos on YouTube:Improve Search Rank and Drive Growth: https://www.youtube.com/watch?v=wyeMk5p-oww&list=PLDkvNlz8yl_b9RMGmU9XeqkI9D7QDOAI8&index=2The Easy Way to Find Amazon Keywords That Rank: https://www.youtube.com/watch?v=3kmBZPid_iA&list=PLDkvNlz8yl_b9RMGmU9XeqkI9D7QDOAI8&index=3-----------------------------------------------Having trouble with SEO, PPC, or listing issues?  Send it to us: https://bit.ly/4kRnPa7Need expert advise with your SEO strategy? Book a call with us: https://bit.ly/4jMZtxuTimestamps00:00 - SEO Tips for Better Amazon Listings00:04 - Brand Story Optimization with Crawlable Text00:17 - How Product Grids Increase Sales and SEO00:31 - Why Text Outside Images Helps Indexing00:45 - SEO Phase 1 and Free Guide Mentioned01:07 - Helium 10 Keyword Index Review with Cerebro01:21 - Organic vs Paid Keywords Breakdown01:42 - Sales Growth by Adding Crawable Text02:10 - Importance of PPC in the Honeymoon Period02:27 - Editing Meta Descriptions for Google SEO02:54 - Google Tools vs Helium 10 for Store SEO03:12 - Meta Description Strategy to Rank on Google03:30 - What to Write in Your Brand Store Meta Description03:32 - Stress-Free Selling Help from My Amazon Guy----------------------------------------------Follow us:LinkedIn: https://www.linkedin.com/company/28605816/Instagram: https://www.instagram.com/stevenpopemag/Pinterest: https://www.pinterest.com/myamazonguys/Twitter: https://twitter.com/myamazonguySubscribe to the My Amazon Guy podcast: https://podcast.myamazonguy.comApple Podcast: https://podcasts.apple.com/us/podcast/my-amazon-guy/id1501974229Spotify: https://open.spotify.com/show/4A5ASHGGfr6s4wWNQIqyVwSupport the show

Want to build wealth? It starts with how you spend. The truth is, wealthy people don't overspend, they manage their money with intention. In this episode, Kris Krohn shares the mindset and strategies he used when he was broke to cut expenses and grow his savings. Learn the secrets to smart spending and how to take control of your financial future.

Jon and Gus chat about lying on certain expenses to save money on taxes.

New Leger Poll: 45% of Canadian want less spending in Ottawa; De Havillend Aircraft of Canada on the water bombers.

#ThisMorning on #BRN | #Finance | #2082 | More than #Half of #Americans Expect to #Spend #Less on #Fun #Purchases this #Year | Ted Rossman, Bankrate | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #Wellness and #More - #Everyday

What if the key to more family adventures started in your kitchen? Mandy Klentz of Plandy Mandy returns to The 1000 Hours Outside Podcast to show us how home-cooked, additive-free meals can actually save time, money, and stress. In this warm and practical conversation, Ginny Yurich and Mandy unpack the real cost of convenience foods—and how a freezer full of homemade muffins might just be your ticket to more memories outside. This episode is a breath of fresh air for overwhelmed parents. Mandy shares how her simple meal plans—free of dyes, seed oils, and stress—help families reclaim hours in the day and dollars in the bank. It's not about perfection; it's about creating margin for what matters most: shared meals, spontaneous park days, and saying yes to more of life. Whether you're new to budgeting or just tired of dinner drama, this is encouragement that actually works. ** Learn more about Mandy and all she has to offer here Learn more about your ad choices. Visit megaphone.fm/adchoices

…except for now, you can listen to this on the Internet. However, after that…get off the Internet https://www.themay50k.ie/fundraisers/theawp

We start with the Supreme Court's latest ruling on the fate of a Biden era immigration program. We tell you why Americans are spending less and what it means for the economy. We hear from the high school student at the center of a funding controversy over trans athletes in sports. The suspect in Monday's car ramming in Liverpool has appeared in court. Plus, a major candy maker is recalling some of its products over cannabis concerns. Learn more about your ad choices. Visit podcastchoices.com/adchoices

On this episode: Zak, Elizabeth and Jamilah are talking about a tricky dynamic between a stepson and his step-grandparents. Our listener doesn't differentiate between her stepson and her bio kids in her home — but when her parents interact with the kids, it's a different story. So, our listener is wondering what's normal… and how to patch up this issue with her husband, who's upset by it. After that, of course, we'll circle up for a round of triumphs and fails. Join us on Facebook and email us at careandfeedingpod@slate.com to ask us new questions, tell us what you thought of today's show, and give us ideas about what we should talk about in future episodes. You can also call our phone line: (646) 357-9318. If you enjoy this show, please consider signing up for Slate Plus. Slate Plus members get to hang out with us on the Plus Playground every week for a whole additional grab-bag of content — and you'll get an ad-free experience across the network. And you'll also be supporting the work we do here on Care and Feeding. Sign up now at slate.com/careplus – or try it out on Apple Podcasts. Podcast produced by Maura Currie.  Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode: Zak, Elizabeth and Jamilah are talking about a tricky dynamic between a stepson and his step-grandparents. Our listener doesn't differentiate between her stepson and her bio kids in her home — but when her parents interact with the kids, it's a different story. So, our listener is wondering what's normal… and how to patch up this issue with her husband, who's upset by it. After that, of course, we'll circle up for a round of triumphs and fails. Join us on Facebook and email us at careandfeedingpod@slate.com to ask us new questions, tell us what you thought of today's show, and give us ideas about what we should talk about in future episodes. You can also call our phone line: (646) 357-9318. If you enjoy this show, please consider signing up for Slate Plus. Slate Plus members get to hang out with us on the Plus Playground every week for a whole additional grab-bag of content — and you'll get an ad-free experience across the network. And you'll also be supporting the work we do here on Care and Feeding. Sign up now at slate.com/careplus – or try it out on Apple Podcasts. Podcast produced by Maura Currie.  Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode: Zak, Elizabeth and Jamilah are talking about a tricky dynamic between a stepson and his step-grandparents. Our listener doesn't differentiate between her stepson and her bio kids in her home — but when her parents interact with the kids, it's a different story. So, our listener is wondering what's normal… and how to patch up this issue with her husband, who's upset by it. After that, of course, we'll circle up for a round of triumphs and fails. Join us on Facebook and email us at careandfeedingpod@slate.com to ask us new questions, tell us what you thought of today's show, and give us ideas about what we should talk about in future episodes. You can also call our phone line: (646) 357-9318. If you enjoy this show, please consider signing up for Slate Plus. Slate Plus members get to hang out with us on the Plus Playground every week for a whole additional grab-bag of content — and you'll get an ad-free experience across the network. And you'll also be supporting the work we do here on Care and Feeding. Sign up now at slate.com/careplus – or try it out on Apple Podcasts. Podcast produced by Maura Currie.  Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode: Zak, Elizabeth and Jamilah are talking about a tricky dynamic between a stepson and his step-grandparents. Our listener doesn't differentiate between her stepson and her bio kids in her home — but when her parents interact with the kids, it's a different story. So, our listener is wondering what's normal… and how to patch up this issue with her husband, who's upset by it. After that, of course, we'll circle up for a round of triumphs and fails. Join us on Facebook and email us at careandfeedingpod@slate.com to ask us new questions, tell us what you thought of today's show, and give us ideas about what we should talk about in future episodes. You can also call our phone line: (646) 357-9318. If you enjoy this show, please consider signing up for Slate Plus. Slate Plus members get to hang out with us on the Plus Playground every week for a whole additional grab-bag of content — and you'll get an ad-free experience across the network. And you'll also be supporting the work we do here on Care and Feeding. Sign up now at slate.com/careplus – or try it out on Apple Podcasts. Podcast produced by Maura Currie.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Worrying can take up so much of our time, especially when most of what we worry about never actually happens. This worrying uses up time that could be better spent on the things that truly count, but how can we reduce this and actually free up that time? Oliver Burkeman is a New York Times bestselling author of books such as ‘Four Thousand Weeks: Time Management for Mortals’ and ‘Meditations for Mortals: Four Weeks to Embrace Your Limitations and Make Time for What Counts’. Oliver is also a regular columnist for The Guardian. Oliver shares:

Let's talk about spending less, but not in a hustle, guilt-filled, “cut everything” kind of way. Jess explores how small, intentional shifts can help us live lighter, trust deeper, and find real peace.This episode is for anyone feeling stretched thin, chasing more, and still coming up empty. Let's slow down, take inventory, and rediscover the freedom from living with less and trusting God for more.Let's go. Don't Miss:Become a part of the Fully Awake Women's Club! Calling all women who have ever felt weary, defeated, heavy, or tired. We're starting a club, and you're invited. Join Here.Looking to reduce your anxiety and stress, elevate your mood and motivation, AND experience goal-crushing focus? Try Magic Mind. For the next couple of weeks, you can get 50% off with code: JESSCON50Other Past Episodes mentioned in today's episode: 1. Episode 78: Simple + Supernatural: Let's Do This2. Episode 70: Leaders Are Learners: 7 Primal QuestionsConnect further with Jess:https://jessconnolly.com | Instagram | hello@jessconnolly.com 

Many couples complain that they don't have enough money for marital enrichment. To have more money you need to make more or spend less. In his book, Happily Ever After, Dr. Gary Chapman provides some creative ideas on how to make more money.Donate to Moody Radio: http://moodyradio.org/donateto/lovelanguageminuteSee omnystudio.com/listener for privacy information.

The Chiefs spend less on WR than most teams full 502 Tue, 13 May 2025 15:45:12 +0000 ln4L26ayz4jg4apRPYXHII3gpqikhnEI nfl,kansas city chiefs,society & culture Cody & Gold nfl,kansas city chiefs,society & culture The Chiefs spend less on WR than most teams Hosts Cody Tapp & Alex Gold team up for 610 Sports Radio's newest mid-day show "Cody & Gold."  Two born & raised Kansas Citians, Cody & Gold have been through all the highs and lows as a KC sports fan and they know the passion Kansas City has for their sports teams."Cody & Gold" will be a show focused on smart, sports conversation with the best voices from KC and around the country. It will also feature our listeners with your calls, texts & tweets as we want you to be a part of the show, not just a listener.  Cody & Gold, weekdays 10a-2p on 610 Sports Radio.  2024 © 2021 Audacy, Inc. Society & Culture False https://player.amperwavepodcasting.com?feed-link=

If you've ever dreamed of luxury vacations without the luxury price tag, this episode is for you. I sat down with travel points expert Megan Lanford—founder of Points Too Paradise—who once struggled to afford one trip a year and now saves over $20K annually while traveling often and in style. She breaks down exactly how families and business owners can start using travel points to unlock amazing experiences—without complicated spreadsheets or overspending.Key topics covered:How Megan turned her personal points hobby into a business (and now travels 6+ times a year)The simple mindset shift: ditching debit cards to maximize everyday spending with the right credit cardsHow to start earning serious points with welcome bonuses—without overthinking itWhy flexible points (like Amex or Chase) give you more bang for your buckTips for staying organized and deciding which cards to keep, cancel, or apply for nextHow to use points for everything—flights, hotels, cruises, Disney, Airbnbs, and even pretzels on Main StreetMentioned in this episode: Find your entrepreneurial soulmates. Join the exclusive community of Canadian women entrepreneurs. Imagine finding your Work Wives™ who share the same bold, ambitious, entrepreneurial goals.https://urldefense.proofpoint.com/v2/url?u=http-3A__workwives.co&d=DwMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=NgHx3ikc5TkuG2GbHk3F2xqAsEGb-mzfBI-Gys9vwYw&m=88CFq1oXxvHuveOHhLqQahTlm82SwWEfbi-P5aAdEDNKAzlUZcOm7G4LsPuYfzzq&s=ZGabyIGi8QeCQWYPVZP87NbEpvjTAj7omZneLouM2BQ&e=Connect with Megan:Website: Download Megan's free Travel Points 101 guide https://pointstooparadise.kit.com/b04dc62874 Instagram: @pointstooparadiseStaci's Links:Instagram. Website.The School for Small Business Podcast is a proud member of the Female Alliance Media. To learn more about Female Alliance Media and how they are elevating female voices or how they can support your show, visit femalealliancemedia.ca.Head over to my website https://www.stacimillard.com/ to grab your FREE copy of my Profit Playbook and receive 30 innovative ways you can add more profit to your business AND the first step towards implementing these ideas in your business!

On this episode of Appointed, Kim speaks with Dr. Jiaying Zhao, Associate Professor, Canada Research Chair in Behavioral Sustainability and Sauder Distinguished Scholar at the University of British Columbia. Dr. Zhao speaks about her incredible research into how resource scarcity impacts human cognition and behaviour.  Kim and Dr. Zhao discuss Dr. Zhao's 2023 study which found that one-time, unconditional cash transfers of $7,500 to people living in poverty reduced homelessness in Vancouver. Dr. Zhao explains her work modelling the cost of a guaranteed livable basic income (GLBI), and her findings that a GLBI would go a long way to allowing people to rebound in tough economic times and help to eliminate poverty and homelessness, in addition to costing less than half of the $92B currently spent every year on measures that keep people in poverty.To learn more about Dr. Zhao's research, please visit her Behavioral Sustainability Lab or her website at the University of British Columbia. You can read more about the unconditional cash transfer study here.More information about the work being done in British Colombia to address poverty and other social challenges can be found at Foundations for Social Change.More information about our initiatives to assist governments to Spend Less on Poverty & More in People can be found at https://senpate.sencanada.ca/en/current-work/s-233/.

Think luxury travel is out of reach? Think again. In this episode, I'm joined by Megan Lanford, travel rewards coach and host of the Points to Paradise podcast, who breaks down exactly how she went from barely affording one vacation a year to taking six luxury trips annually—saving over $20,000 a year—using credit card points. We talk through the step-by-step process of travel hacking, including the smartest cards to use, how to avoid debt, and how to earn major sign-up bonuses that can cover full vacations. Megan shares how she shifted from a scarcity mindset to an abundant life full of travel, family memories, and five-star experiences—without breaking the bank. If you've got travel on your vision board but your budget hasn't caught up yet, this episode is full of doable strategies to get you flying first class faster than you think. What You'll Learn in This Episode: ✅ How Megan went from saving for one trip a year to traveling six times annually for free ✅ Why you should stop using your debit card and use strategic travel credit cards instead ✅ The #1 travel rewards mistake most people make ✅ How to maximize sign-up bonuses and earn free vacations fast ✅ Tools and apps that make managing multiple cards simple ✅ How to travel with toddlers without losing your mind (or your bags!) ✅ Why abundance in travel can shift your entire money mindset Resources & Links:

What if financial freedom isn't about earning more—but needing less? Many people chase bigger salaries and more possessions, only to feel stressed and stuck in a cycle of spending. Financial minimalism is the key to breaking free! It's not about deprivation—it's about spending intentionally on what truly matters. In this episode, we'll uncover the hidden costs of excess spending, how to simplify your financial life, and easy steps to achieve more freedom with less. Listen now and start living wisely. Stay Chink Positive! Hosted on Acast. See acast.com/privacy for more information.

See if you qualify for a free Contractor Dynamics marketing auditIn this episode of The Nailed It! Show, Sydney Vasquez, Marketing Director at Contractor Dynamics, breaks down how roofing companies can spend less and get better results from their marketing in 2025. After analyzing hundreds of marketing budgets from roofing contractors nationwide, Sydney reveals exactly where waste is hiding - and how to reallocate your marketing dollars for maximum ROI.She dives into budget percentages, the balance between lead generation and brand awareness, the importance of data tracking, and why you're missing out if you're not using free platforms like social media. Whether you're trying to grow or tighten up for profitability, this episode is packed with actionable insights.Key Takeaways:

Does writing your emails, blogs, or launch copy take forever? A. You're not alone. B. You don't have to keep drowning in drafts and decision fatigue!In this episode, Branda shares her favorite ways to speed up the writing process without sacrificing quality. Whether you love writing but don't have the time, or you dread staring at a blinking cursor, you'll walk away with easy-to-implement ideas that help you write smarter, faster, and with way less stress.Tune in as Branda discusses:The power of planning ahead and creating a content roadmapHow to get quick feedback so you stop second-guessing yourselfWhy repurposing old emails is one of your biggest time-saversTools and tactics like speech-to-text and writing buddiesWhen to consider outsourcing or hiring help for your copyMentioned in the Episode:Join The Copy Huddle Membership (Use code PODCAST for $50 off your first month of The Copy Huddle): www.therelevantcollective.com/the-copy-huddleJoin the Free Email Roadmap Challenge:www.therelevantcollective.com/email-gps-waitlistExplore Copywriting Services: www.therelevantcollective.com________________________________________CONNECT WITH MELANIE:www.duxburydigital.cowww.instagram.com/duxburydigitalCONNECT WITH BRANDA:www.therelevantcollective.comwww.instagram.com/therelevantcollective

It doen't matter how much food costs, we still have to buy it and it's easy to overspend on our grocery bill or eating out. In this episode, I share 8 strategies to cut back on your food bill that you can try immediately. 

HI Dear Friends, It's like I'm on a Nantucket Sleigh Ride since seeing the last evening performance of the Met Opera's performance of Moby Dick.  Visually it is astounding. The thrill of going to Lincoln Center and hearing some recognizable scenarios I was reminded of the fond memories I have of reading from Moby Dick aloud during the pandemic.  I've recorded again a few paragraphs of the Chowder chapter I just love and the thought to share my youtube link for one of my Signature dishes, Ocean State of Mind Clam Chowder. https://www.youtube.com/watch?v=DW7Dezumy5Y&t=12s COOK MORE, SPEND LESS, YOU'LL FEEL BETTER

Regulations that impact the way we farm can be a concern for many. However, this farmer has been living with increased regulations for many years, and he shares what he's learned and how it’s impacted the way he farms. His experiences have him giving his thoughts with many farm groups and we visit with him on this edition of our show. See omnystudio.com/listener for privacy information.

In this episode of The End in Mind, I sit down with Megan Lanford, a travel expert who helps families take multiple vacations a year—without breaking the bank. As a stay-at-home mom, Megan went from struggling to afford one trip a year to traveling six times a year and saving over $20,000 annually by leveraging credit card points. Now, she's on a mission to help other women do the same. We dive into: - How to travel for free using credit card points—without falling into debt - The best beginner-friendly credit card for travel rewards - How Megan's clients have booked first-class flights, all-inclusive resorts, and even cruises practically for free - How business owners can maximize travel points using business credit cards for even bigger savings - If you've ever thought traveling is too expensive—this episode will change your perspective. Where to Find Megan: - Instagram: pointstooparadise - Free Guide: https://pointstooparadise.kit.com/b04dc62874 - Travel Points Academy: https://points-too-paradise.teachable.com/p/pointstooparadise *Loved this episode?* Tag us on social media and share your dream destination! If you're ready to start traveling smarter, grab Megan's free guide and take the first step toward your next adventure! Learn more about your ad choices. Visit megaphone.fm/adchoices

Governor Landry laid out his budget for the next fiscal year. We talk with Daniel Erspamer from the Pelican Instituteabout it

Whether you've visited Iceland before or you're planning your dream trip, you've likely noticed that prices here are higher when compared to many other countries. From groceries and restaurants to accommodations and activities, Iceland's cost of living and travel expenses can be a shock to the wallet. But why is that the case?I'll break down the key reasons behind Iceland's high prices, including geographic isolation, the dominance of a few large companies, high taxes and import duties, a small population, and the impact of tourism.Plus, I'll be sharing details on my upcoming live webinar, “Iceland on a Budget: 30 Ways to Spend Less and Travel Smart,” where I'll give you actionable tips to help you maximize your experience in Iceland without breaking the bank. Let's get into it! 1. Geographic Isolation Iceland's remote location in the North Atlantic significantly impacts its economy. With no land connections to other countries, all goods must be transported by air or sea. This means higher shipping costs, which are passed on to consumers. Everyday essentials like food, clothing, and electronics come at a premium because of the logistics involved in getting them to the island.For example, grocery stores like Bónus and Krónan import a large percentage of their products, leading to higher-than-average food prices compared to mainland Europe or the U.S. A simple item like a gallon of milk can cost around 900 ISK ($6.99 USD).The cost of fuel is also steep and can be as high as 330 ISK ($2.33 USD) per liter or about $8.85 a gallon, partly due to import costs and high taxes. This geographic isolation extends to supply chains for restaurants and retail, where prices reflect these transportation challenges. 2. High Taxes and Import Duties Iceland has some of the highest taxes in the world, and these contribute significantly to the high cost of goods and services. The standard Value Added Tax (VAT) rate is 24%, with a reduced rate of 11% on certain goods like food and books.However, even with the reduced VAT, prices remain high. Import duties on certain items, such as clothing and electronics, add even more costs. For example, a pair of Levi's jeans that might cost $60 in the U.S. can easily be $120 in Iceland due to taxes and import fees.Cars are also heavily taxed, with import duties, VAT, and registration fees sometimes doubling the cost compared to other countries. This means that even everyday expenses like transportation, dining out, and shopping feel significantly more expensive. 3. Market Dominance by Few Companies Iceland's small economy means that a handful of companies dominate key industries, limiting competition and keeping prices high. The food retail sector, for instance, is primarily controlled by Hagar, which owns Bónus, Hagkaup, and other supermarkets.This lack of competition can result in inflated grocery prices. Similarly, the telecommunications industry is led by Síminn, Nova, and Vodafone, all of which maintain relatively high service costs. The same goes for banking—Arion Bank, Íslandsbanki, and Landsbankinn dominate the financial sector, and their fees for everyday banking services can be steep compared to other countries.The lack of competition in these critical industries means that consumers have limited options, and businesses have little incentive to lower prices. Even in tourism, major players like Icelandair control air travel, which can keep flight prices elevated, especially during peak seasons. 30 Budget Saving Tips for Iceland: Travel Smart and Spend Less If you are not sure how to get the most bang for your buck in Iceland, I have something that will help you out. I'm hosting a free live webinar and you won't want to miss it! This webinar is packed with practical, money-saving strategies to help you explore Iceland without spending a fortune. Click Here to Register 4.

To make this meal couldn't take more then a 5 minutes of prep and maybe 20 mins of cooking.Highlights of this episode: Basic knife skills, grocery staples and zero, to minimal food packaging waste.Check my new website where I've posted about my upcoming WORKSHOPS Thank YOU all,Me, D.Made for you with good intentions COOK MORE, SPEND LESS, YOU'LL FEEL BETTER

Americans are looking to spend less this year compared to recent years, turning their focus over to paying off bills and debt. Dave and Debbie discuss what "no spend, low spend" means and how what you can do to lower your expenses without giving up the things you love. 

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Martijn Versteeg is the founder of Group Effort, an organisation that fosters connections & facilitates the growth of scale-up leaders through peer groups, offsites and workshops. His hot take? That product people should stop looking for the "golden nugget" of knowledge. Martijn argues that instead of seeking a single breakthrough insight, product managers should focus on consistent iteration and learning through small, incremental steps. Find Martijn on LinkedIn or check out Group Effort. Also, remember to check out the conference that he's organising, and we'll both be speaking at: Product Mastery Conference If you'd like to appear on Hot Takes, please grab a time!

We're bringing back an audience favorite to help you reflect on your financial habits as we head into the new year! In this episode, we explore how minimalism can transform the way you think about money. Learn how simplifying your life can lead to smarter spending, less financial stress, and more freedom to focus on what truly matters. If you're ready to align your finances with your values and start the year with intention, this episode is for you!   January Declutter Event: https://123minimize.com/events   Quick Start Guide https://123minimize.com/products/p/quick-start-guide   Minimalist Shopping Tips https://123minimize.com/products/p/minimalist-shopping-tips   Minimalist Mom FB Group https://www.facebook.com/groups/123minimizegroup   123 Minimize FB Page https://www.facebook.com/123minimizepage   Website https://123minimize.com

Happy Holidays! Please enjoy this Best Of episode. Clark returns January 3rd. Clark recommends renting in a new city or state before you buy there, and has a great example of why to share with you. Also, Clark is very happy to report that the used clothing market is growing 7 times faster in the U.S. than the new market. Buying used is a great way to Spend Less! Rent Before Buying In New Locale: Segment 1 Ask Clark: Segment 2 Secondhand Clothing A WIN: Segment 3 Ask Clark: Segment 4 Mentioned on the show: New York Post: Florida transplants fleeing in droves over relentless heat, damaging hurricanes The home insurance market is crumbling. These owners are paying the price The $10 Travel Essential Clark Howard Always Packs 5 Best Robo-Advisors in 2023 Who Should Use a Robo-Advisor? Secondhand clothing stores are red hot as consumers look to save money Clark.com - CELL PHONES Best Investment Companies for Investors in 2024 10 Best Free Checking Accounts in April 2024 Fidelity Investments Review 2023: Pros & Cons Team Clark Guarantee - Clark Howard Clark.com resources Episode transcripts Community.Clark.com 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

British philosopher G.K. Chesterton once said, “I know as much about the future as you do, which is nothing.” Only God knows the future, but that doesn't mean we shouldn't plan for it. Mark Biller is here today to help you do that. Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. Today, we'll cover some key takeaways from Sound Mind Investing's recent article, “Your 10 Most Important Financial Moves for 2025,” which offers over 60 actionable tips across six categories. Let's dive into some highlights to help you plan your next year's top financial moves.1. Put First Things First: Aligning Finances with FaithDevelop a Financial Plan: A solid plan is essential for managing God's resources well. As Luke 19:13 reminds us, faithful stewards are called to “put this money to work until I come back.”Build an Eternity Portfolio: Once your family's needs are met, embrace “exponential generosity.” As your income grows, increase your giving percentage, laying up treasures in heaven (Matthew 6:20).2. Strengthen Your Financial FoundationCreate a Workable Budget: A budget—think of it as a “spending plan”—is foundational. Learn from past mistakes and focus on spending less and saving more through automated savings or retirement account contributions.Spend Less, Save More: Small changes today can bring significant long-term benefits. Adjust your spending habits to prioritize your future.3. Develop Your Investing PlanCreate a Long-Term Investing Strategy: Just as a budget helps manage day-to-day finances, an investing plan guides long-term success. Allocate appropriately and avoid making rash decisions based on political or economic changes.Stay Informed About Trends: Technological advancements, economic policies, and market changes can impact investments. Educate yourself on these trends without succumbing to speculation.4. Broaden Your PortfolioExpand Your Knowledge: Understand how global trends like AI and interest rate shifts may influence your portfolio. SMI offers resources to help navigate these complexities while maintaining a long-term focus.5. Prepare for RetirementPlan for Social Security: Deciding when to claim Social Security benefits is crucial. For most, waiting until full retirement age or later can yield greater financial benefits.Understand Medicare Coverage: Don't assume Medicare will cover all your retirement healthcare needs. Research Medigap or Medicare Advantage plans and consider alternatives like Christian Healthcare Ministries.6. Miscellaneous Must-DosStart Your Kids on Investing: Encourage young people to invest early. Fractional-share purchases and no-commission trades make it easier than ever to build long-term financial habits.Review Estate Plans: Ensure your will, power of attorney, and healthcare directives are up-to-date. Life changes and legal updates warrant a review every five years.Protect Against Tax Identity Theft: To prevent fraudulent filings, safeguard your Social Security number by requesting an IRS Identity Protection PIN.Bonus Tips for 2025Treasure Each Day: Life is fleeting—embrace each day as a gift and manage God's blessings wisely.Deepen Your Prayer Life: Discerning God's voice leads to better financial decisions rooted in faith.Manage Finances as a Team: For married couples, working together on finances can combine strengths and reduce weaknesses.As 2025 approaches, remember that your financial success hinges more on your choices than external circumstances. Faithful stewardship not only secures your financial future but also aligns your resources with God's purposes. May you aim to hear these words in Matthew 25:21: “Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things. Come and share your master's happiness!”For the complete list of financial moves and additional resources, visit SoundMindInvesting.org.By following these principles, you can make 2025 a year of financial health and faithfulness.On Today's Program, Rob Answers Listener Questions:I recently retired and have a 401(k) with about $47,000 in it. I don't know what to do with this money. I'd like to get some advice from a Christian perspective on how to best manage and invest this 401(k) now that I'm retired.Resources Mentioned:Understanding Reverse: Simplifying the Reverse Mortgage by Dan HultquistMoney and Marriage God's Way by Howard DaytonMovement MortgageLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Pastor Sean teaches on what and how we spend with and through ourselves in the Advent season.

Happy Thanksgiving Weekend! Please enjoy this Best Of episode. Clark returns December 2nd with new ways to Save More, Spend Less and Avoid Getting Ripped Off! Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - The travel industry can be unstable. Another cruise line recently shut down. Know Clark's number one rule for booking travel and protecting your money. Clark Stinks: Segments 1 & 2 Travel Booking Rule: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Google Fi Wireless: My Experience as a Five-Year Customer (Pros and Cons) The Best International Phone Plans What Should You Do About Phone Data on an International Trip? American Queen Voyages Cancels All Cruises, Shuts Down Operations Best Travel Credit Cards: Top Rewards Picks for 2024 The Only Way You Should Pay for a Cruise Travel Insurance: What You Need To Know Before You Buy Why You Should Never Use a Debit Card To Pay for Anything How To Plan a Trip: Clark's Best Travel Tips To Save Money Should I Buy Additional Insurance From a Rental Car Company? Amex EveryDay® Credit Card Review: 15 Months of Intro 0% APR Credit Card Car Rental Insurance: What You Need To Know Clark.com resources Episode transcripts Community.Clark.com 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

Happy Thanksgiving Week! Please enjoy this Best Of episode. Clark returns December 2nd with new ways to Save More, Spend Less and Avoid Getting Ripped Off! The percent of income we save, our savings rate  - is the key indicator of financial health. So how are we doing right now?  Also -  How much exercise do you really need to make a difference in your health, and ultimately your wallet?  Only 25% of Americans get the recommended amount of exercise. New data reveals what a big difference the minimum requirement can make for those who are mostly sedentary. American Savings Rates: Segment 1 Ask Clark: Segment 2 Arise From The Couch: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Americans are saving less and spending more. Could that raise the risk of recession? Bankruptcy filings are on the rise. Here's why an even bigger surge is looming. Why 'Buy Now, Pay Later' Worries Clark Howard My Credit Card Offers Some Rental Car Coverage. Why Do I Still Need To Involve My Primary Auto Insurance? Car Rental Insurance: Everything You Need To Know How Much Exercise Do You Need? More Than You Think—But Every Little Bit Helps. Donor-Advised Funds: The Benefits and Drawbacks Vanguard Charitable: Home What Is Black? Uber Black Car Service Clark.com resources Episode transcripts Community.Clark.com 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

Happy Thanksgiving Week! Please enjoy this Best Of episode. Clark returns December 2nd with new ways to Save More, Spend Less and Avoid Getting Ripped Off! Clark has news for parents and grandparents saving for a child's college education. Also in this episode, reversals in the auto industry are landing many existing car loans underwater. What to do if you are upside down in a car loan. 529 Plan Update: Segment 1 Ask Clark: Segment 2 Upside Down Vehicle Loans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Use the 529 Grandparent Loophole to Maximize College Savings Best 529 College Savings Plans By State Rollovers From a 529 Plan to Roth IRA: What to Know Target Date Funds: Clark's Favorite Retirement Investment How To Find and Choose a Financial Advisor Car values plummet, putting car loans underwater More car owners are underwater on loans because of lower trade-in values What Is Gap Insurance? Definition, How It Works, When to Buy How to Buy a Used Car in 7 Steps Clark.com resources Episode transcripts Community.Clark.com 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

Happy Thanksgiving Week! Please enjoy this Best Of episode. Clark returns December 2nd with new ways to Save More, Spend Less and Avoid Getting Ripped Off! There's a lot of talk and concern about traditional 401(k)s and IRAs going away. Clark explains.  Also, baggage fees are rising again, increasing the cost of flying for customers. What to know before you get to the airport.  Future 401(k)s & IRAs: Segment 1 Ask Clark: Segment 2 Airline Baggage Fees: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Predicts Traditional 401(k)s, IRAs Will Cease To Exist Within a Decade Do Not Give Your Social Security Number at These Places How Many Bank Accounts Should You Have? - Clark Howard 16 of the Best High-Yield Online Savings Accounts Best Investment Companies for Investors in 2024 How To Pack a Carry-On the Right Way 4 Things You Should Always Pack in Your Carry-On Best Travel Credit Cards: Top Rewards Picks for 2024 Best Cash Back Credit Cards With No Annual Fee in 2024 Should You Ever Buy Travel Medical Insurance? 6 Best Apps To Save Money on Groceries Flipp – Flyers, Shopping List, Weekly Ads | Flipp Clark.com resources Episode transcripts Community.Clark.com 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

Hey besties! Today we have a solo Vivian yap session! We are chatting about all things Black Friday. As the holiday season starts in full swing, so does the shopping. Vivian will walk you through her own personal Black Friday shopping strategy full of tips and tricks to get the best deals. We'll also let you all in on the secret deals (or lack thereof) that these brands don't want you to know about!  Follow the podcast on Instagram and TikTok! Want more Your Rich BFF? Check out the enRICHed substack! Got a financial question you want answered in a future episode? Email us at podcast@yourrichbff.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

Ralph and John dig into a case study that flips conventional marketing on its head, showing how rethinking ad spend can drive unexpected results. They explore why focusing on Media Efficiency Ratio (MER) instead of ROAS can uncover hidden opportunities for growth. Through examples and real-time analysis, they reveal strategies for reallocating budgets, cutting unnecessary costs, and achieving better outcomes. Along the way, they take live questions and break down how metrics can reshape business decisions. It's a session packed with lessons that challenge the status quo and offer a fresh perspective on smarter marketing.Chapters00:00:00 - Welcome to the Marketing Jungle: Ralph and John Unleashed00:00:49 - The Case Study So Wild It's Practically Fiction00:02:05 - Doing the Opposite: When Counterintuitive is Just Intuitive00:03:36 - ROAS vs. Reality: The Brand Campaign Smackdown00:05:52 - MER Explained: Or Why ROAS is Crying in a Corner00:08:20 - Results So Good You'll Wonder If We're Making Them Up00:10:50 - ROAS Walks into a Bar. MER Kicks It Out.00:13:00 - When Saving $7K Feels Better Than Finding $20 in Your Jeans00:15:30 - $425,000 Later: Did Google Ads Just Buy Itself Dinner?00:18:05 - Tracking the Truth: Wicked Reports and Google Play Detective00:20:45 - Why Your Ad Agency's Yacht Might Be Your Biggest Expense00:25:10 - Margins vs. Metrics: A Fight as Old as Time, But With Spreadsheets00:28:00 - Turning Ad Budgets into Revenue: Step One, Don't Panic00:30:00 - Final Marketing Lessons: Indicators, Sanity, and Why You Shouldn't Chase ROAS00:32:13 - Live Q&A: Your Questions, Our Strategy Confessions00:33:12 - Shopping Ad Secrets: Turning Standard into Stellar00:34:24 - Remarketing: When Stalking Your Customers Pays Off00:35:57 - Demand Gen or Demand "Gen-uinely Confused"?00:37:51 - Video Action Campaigns: Clickbait With a Purpose00:38:48 - Gmail Ads: Google's Expensive Postcards Nobody Reads00:41:44 - Performance Max: Where Traffic Metrics Go to Party00:45:52 - Feeder Strategies That'll Make You Feel Like a Marketing Chef00:51:33 - Competitive Metrics and Why Lead Gen Feels Like a Marathon00:57:06 - Wrapping Up: The Last Bits of Genius Before You Hit ReplayLINKS AND RESOURCES:Tier 11 on YouTubeGet Your Marketing Performance Indicators™ Checklist Now!Tier 11 JobsPerpetual Traffic on YouTubeTiereleven.comMongoose MediaPerpetual Traffic SurveyPerpetual Traffic WebsiteFollow Perpetual Traffic on TwitterConnect with Lauren on Instagram and Connect with Ralph on LinkedInThanks so much for joining us this week. Want to subscribe to Perpetual Traffic? Have some feedback you'd like to share? Connect...

In today's episode - Clark recently saw a quote from one of the stars of “Shark Tank” about how much we waste money on daily habits, offering a new way to think about spending categories to locate areas where you can - Spend Less. Also, biometrics are clearly here to stay, and they can be a big positive for security. But what are you willing to give up, and how secure is your secure information?  Daily Spending: Segment 1 Ask Clark: Segment 2 Biometric Security: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Should Keep Old Credit Card Accounts Open My 7 Rules for Using Credit Cards - Clark Howard TSA PreCheck® vs. Global Entry vs. CLEAR: Which Is Best for You? CLEAR Brings TSA Pre-Check Enrollment to 6 More Airports Why You Should Consider Applying for Global Entry Right Now Pay-Per-Mile Insurance: Is It Worth It? Mile Auto Insurance: A Firsthand Review Metromile Insurance Review: 6 Things To Know Best Airline Credit Cards for 2024: Are They Right For You? Are Airline Miles Worth It? Credit Karma Review: Free Credit Score and More at Your Fingertips How to Freeze Your Credit With Experian, Equifax and TransUnion How To Monitor Your Credit  /   How To Get a Free Credit Report Clark.com resources Episode transcripts Community.Clark.com 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

Deeply Discounted Beta Test Cohort, Open Now through Sept 27: affordanything.com/yournextraise ____ #543: Picture this: You're at a car dealership, trying to get the best price on your dream car. The salesperson hits you with a "take it or leave it" offer. Your palms are sweaty, your heart's racing. What do you do? That's just one of the tricky situations we dive into in this episode. We're tackling seven types of hardball negotiation tactics that can trip you up in all sorts of situations - from asking for a raise to haggling at a flea market. First up, we break down the "take it or leave it" tactic. We share a real-life story of Sarah, a software developer, facing this exact situation in a job interview. You'll hear how she turned it around and got what she wanted. Next, we talk about psychological warfare. Sounds intense, right? It can be. We tell you about Emma, a graphic designer, who had to deal with a client trying to throw her off her game. You'll learn how she kept her cool and came out on top. Ever heard of the "good cop, bad cop" routine? It's not just in movies. We share a story of how this played out in a business deal and give you tips on how to spot it and handle it like a pro. Then there's the "snow job" - when someone dumps so much information on you that your head spins. We break down how to cut through the clutter and focus on what really matters. We also cover what to do when someone's holding back important info, how to spot a fake-out (when someone pretends to care about one thing but really wants another), and the sneaky "nibbling" tactic where people ask for just one more small thing... and then another... and another. For each tactic, we give you the lowdown on: - What it looks like in action - Why it works (yep, there's some psychology involved) - How you can spot it - What you can do to counter it We wrap up with a handy checklist for each tactic. Think of it as your negotiation cheat sheet. By the end of the episode, you'll have a toolkit of strategies to help you navigate tough negotiations, whether you're buying a car, negotiating your salary, or just trying to decide where to go for dinner with your friends. Remember, negotiation isn't about "winning" at all costs. It's about finding solutions that work for everyone. With the tips from this episode, you'll be better equipped to do just that, even when things get tricky. For more information, visit the show notes at https://affordanything.com/episode543 Learn more about your ad choices. Visit podcastchoices.com/adchoices