Podcasts about Thrifty

Thrifty HolidayAmanda returns to chat about being thrifty for the holidays. How does one apply being thrifty to the holidays? Listen as we take you on this journey.A Sneak-Peek:[1:22] celebrating some joy in Niagara-on-the-Lake.[4:12] Amanda recounts a time where she had to be Thrifty for the Holidays. [9:30] How to use Mason jars for a Thrifty gift. [16:22] Amanda explains how to get value from clearance on your TV shopping channel. [20:32] Celebrating a regift exhange? [22:23 How to get a Christmas tree for less.However you celebrate the holidays we wish you a calm and peaceful season and we are here for you and if you wanting to share the joy please tell people about The Insomnia Project.Follow us: Instagram: @theinsomniaproject Twitter: @listenandsleepWeb: theinsomniaproject.comPatreon: patreon.com/theinsomniaproject See acast.com/privacy for privacy and opt-out information.

Thrifty HolidayAmanda chats about one of her favourite things to do all year round and that is being thrifty. How does one apply being thrifty to the holidays? Listen as we take you on this journey.A Sneak-Peek:[9:15] how to thrift Holiday Cards.[11:41] Marco steals Amanda's thoughts on how to repurpose Holiday Cards. [14:21] Christmas Wrap recycle. [18:39] Amanda tells us how to be thrifty with ribbons & bows. [20:32] keeping holiday wrapping paper? [21:00 Marco describes Franken-wrap.[23:45] We go all out on Christmas decoration wrapping. However you celebrate the holidays we wish you a calm and peaceful season and we are here for you and if you wanting to share the joy please tell people about The Insomnia Project.Amanda's show:www.clotheswapshow.caFollow us: Instagram: @theinsomniaproject Twitter: @listenandsleepWeb: theinsomniaproject.comPatreon: patreon.com/theinsomniaproject See acast.com/privacy for privacy and opt-out information.

Chris of Keep Thrifty gives you powerful lessons to learn before you retire Episode 1727: Before You Retire - Powerful Lessons from Mini Retirement by Chris of Keep Thrifty on Securing Your Own Retirement Chris and Jaime live in the suburbs of Madison, WI with their three daughters. While living the typical suburban life, they are challenging the norms by living outside the box and creating the freedom they desire. At Keep Thrifty, they share their journey and bring you inspiration and tools to help you create your freedom. They've got articles and success stories to help inspire you to think differently about your dreams and your finances. They've also created a money tracking app to help you take control of your finances and make those dreams a reality. The original post is located here: https://www.keepthrifty.com/before-you-retire-lessons-from-mini-retirement/  Gusto is an easy, online payroll and benefits service built for modern small businesses — one place to pay and take care of your hardworking team. Get three months free when you run your first payroll by visiting Gusto.com/ofd  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

Sometimes I can be thrifty to my detriment and it can come back to bite me in the butt.  In this case it manifested in me skipping a couple of x-rays at the dentist.  Which lead to some root canals!  WTF!  I'm trying to grow past that :).  And I challenge you: where are you being thrifty in your life, that it's perhaps going to cost you more financially down the road.Administrative: (See episode transcript below)Check out the Tools For A Good Life Summit here: Virtually and FOR FREE https://bit.ly/ToolsForAGoodLifeSummitStart podcasting!  These are the best mobile mic's for IOS and Android phones.  You can literally take them anywhere on the fly.Get the Shure MV88 mobile mic for IOS,  https://amzn.to/3z2NrIJGet the Shure MV88+ for  mobile mic for Android  https://amzn.to/3ly8SNjGet A Course In Miracles Here! https://amzn.to/3hoE7sAAccess my “Insiders Guide to Finding Peace” here: https://belove.media/peaceSee more resources at https://belove.media/resourcesEmail me: contact@belove.mediaFor social Media:      https://www.instagram.com/mrmischaz/https://www.facebook.com/MischaZvegintzovSubscribe and share to help spread the love for a better world!As an Amazon Associate I earn from qualifying purchases.Transcript: Mischa Zvegintzov 00:01Oh my gosh, I've been meaning to talk about this for quite a bit. Keep on meaning to do an episode about this and it's about how do we say it these days? It's a limited mindset or limiting...or what is it went the opposite of financial abundance or abundance? Lack, that lack of mindset or Thriftiness. Sometimes I can be thrifty to my detriment. Yes, I can be thrifty to my detriment. And I'm, and I'm going to tell you how that has come back to bite me in the butt. As I'm trying to grow past that, and, and act as if, what if? What if I wasn't driven by, by a lack mentality in regards to? What how was it? What if money? What if money wasn't the driving factor of this decision? That's what it is. So oftentimes, I'll be like, well, the financial peace when sometimes you gotta throw caution to the wind, I think. Gosh, this is a bit disjointed, hang in there with me people. But here we go. So the dentist can be a source of financial insecurity for me, and financial stress and financial tension. Seems like genetically, I've been very healthy in many ways. However, as the dentist reminds me, I'm very, I go to the dentist every every six months. And for a while, I was going every three months as we were trying to make sure that my teeth were hanging in there, which is good. But here we go. This is funny, I've got good teeth, they just if I am not... I get to be hyper diligent in dental care or next thing, you know, I've got a cavity. Or next thing you know, I need a friggin root canal. And, and so I was being thrifty in that regard. And that a couple years ago...and time goes fast man, the older you get the faster time goes. The dentist was like, hey, it's time for X rays. We want to X ray you every year. I believe it is the X ray you every year to make sure your teeth and the roots of your teeth and all that and your gums, not gums but your what your jaw, whatever to make sure all that's good and in line and and I can get in the mindset that the dentist is just taking advantage the dentist doesn't need to, to do X rays to racket, it's a scam. And I love my dentist. I do love my dentists. They're always been so gracious and taking such great care of me.  And so that is a belief that is not true. Right And where does that come from? I don't know. But like actually, I kind of know. I did get sold pretty hard one time from a dentist when I had first moved to San Diego in 2001/2002. And it definitely did not feel authentic and like my best interests were in the top of their mind. It was like extract as much finances out of Mischa as you can. And I think we know when when when there is that fine line. Where my current dentist is absolutely just trying to has my health top of mind. So anyway, I think extra is $150 or whatever it is which you know...man, dentists.  They've got an office. They've got dental assistants. Often times dentists are upgrading their equipment you know, learning new stuff. It's one of the great things.  Kent Howard's my dentist and and here in Cardiff by the sea California. Anyone needs a dentist in Cardiff by the sea go to Kent Howard's office.Mischa Zvegintzov 04:56But he has some great he's even brought in some great new very He experienced dentists to support his office. And this one of his new dentists that's been helping me, I wish I could remember his name. But the guy, he's, I don't know, 60 or something like that. But he's constantly learning new techniques. And it's really fun to hear him talk about them as he's working on your teeth.  But he was talking about whatever. My point is that there is a significant financial investment and risk and stuff that dentists take on. And, you know, they're trying to support a practice and families.  And so when I can get out like $150, for digital frickin X ray, like that's, that's like 18 year old worries, that's the 18 year old me being worried about an x ray and paying for it. Because financially times were very tight in my youth. You know, as I was learning what I was going to do with my life...which I'm still wondering, by the way.  So, let me get to the point that, hey, if they say, hey, it's time for your X rays, and so in my Thriftiness, I'm like, Yeah, let's put it off for six months. No big deal. I, I'm sure you're gonna guess what's gonna happen. So, six months later, hey, it's time for your X rays. Like, what? Bottom line is that roll in one day? next appointment? I can't remember the exact timeline. But they're like, it's been a little two years over two years, since we did your X rays, which saved me probably 150 or 200, or $300. They do the X rays. I get a call the next couple of days. You have been not doing the best job of flossing in this one ear area, you're probably going to need a root canal. And they're like deer. Does that hurt? Over there? Cuz I was like, no, they're like, Well, we're very surprised. So they make a recommendation to the root canal guy. So what happens is a root canal also means you need a I think it's called a crown. I don't know the exact terminology. Not a bridge, but a crown. I don't know what the difference is doesn't matter. Point is... Yeah, I get there. At the root canal place, the root canal guy, he's like, your teeth Doesn't your tooth doesn't hurt. You're very lucky. We definitely need to make this happen. So me saving $150 ended up costing me $3000 For a root canal and a crown. And then there's actually even a little more to the story where you can email me and I'll tell you the rest of the story. contact@belove.media. My email is in the show notes. You can either just type in contact@BELOVE.media, and I'll tell you the rest of the story. Or you can click in the my email in the show notes. And I will reply with the rest of the story. But I challenge you because it's really got me thinking as I challenge you, where are you being thrifty in your life, that it's perhaps going to cost you more financially down the road. Like where is my financial insecurity, my focus on lack, instead of abundance... not having my focus in the right place in that regard. Ends up costing you/me? You get what I'm saying? Where in your life are you focusing on that where you should be focusing on the "what is the potential benefit that the spend will bring?" So yeah, that point was absolutely driven home to me through this recent dental experience, as I've been making leaps and bounds, growth in that regard. All right. My gosh, I'm done. Love to all

Chris of Keep Thrifty gives you 5 reasons why you need to track your spending Episode 1698: 5 Reasons You Need To Track Your Spending by Chris of Keep Thrifty on Understanding Your Finances Chris and Jaime live in the suburbs of Madison, WI with their three daughters. While living the typical suburban life, they are challenging the norms by living outside the box and creating the freedom they desire. At Keep Thrifty, they share their journey and bring you inspiration and tools to help you create your freedom. They've got articles and success stories to help inspire you to think differently about your dreams and your finances. They've also created a money tracking app to help you take control of your finances and make those dreams a reality. The original post is located here: https://www.keepthrifty.com/track-your-spending/  If you're looking to supercharge your investment search and want to close on better deals while investing less time, head over to Awning.com/ofd  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

Thrifty Trekkie II: The Return of Kellan Kellan returns as this week's guest with the dubious honor of being the first repeat appearance to the show. Known as the @ThriftyTrekkie, Kellan is a wizard at budget codplay. Using resources on hand to make some of the most fun and amazing cosplays on Twitter. Join in as we catch up on Kellan's trip to STLV, the upcoming Star Trek Cruise 2022, and life in general. Be sure to follow them on Twitter, and check out their fantastic writing as well!

People are already predicting this will be a more expensive and chaotic holiday season due to labor shortages and supply chain issues.  The holidays can be a tricky time of year, emotionally, financially, and physically.  We're eating too much, gaining weight, being stressed at work as it's been a long year, and buying things to make ourselves feel better. So don't get too caught up in “oh, it's the holidays” and spending too much money.  This is the perfect year to focus on reigning in your holiday spending!Last year we did an episode on 6 ways to save during the holidays, but we're upping it with a list of 25 ideas for saving this year!  25 tips to take control of holiday spending:The deals are already here, so you can start shopping now.  Avoid last-minute shopping, especially this year.  Amazon has already rolled out Black Friday-level discounts, and Target announced their “deal days” online.  Many are predicting a lot of things will be sold out before December.  Shop local.  Shopping at smaller, local retailers can help you avoid shipping costs, delays, and higher prices due to supply chain issues.  And support your local community and businesses!Make a shopping list.  Do not just go browsing stores with no plan. That's a recipe for disaster.  Making a list will save you money when you're shopping any time of year, but especially during the holidays.  Think about what your kids need vs. want.  Mix in some needs to their gifts.  Almost half of my kid's Christmas presents are things they need, like new pajamas. Set a budget for your gifts for people, especially children.   If you just keep picking up different things for your kids over a couple of months, you'll have way more than you need or intended.  Set spend limits to keep things reasonable.  Consider discussing and setting spend limits with friends or family where this might be helpful.  Spend within YOUR budget, not other people's budgets or expectations.  Consider a gift exchange.  If you have a group of friends, co-workers, or family that you'll be with and would typically all be expected to buy gifts, suggest doing a white elephant style or more traditional gift exchange.  Avoid the season's “hot” gifts. They're overpriced, and if they're great, you can get it for half off in 6 months. If it's on the cover of the Amazon catalog, avoid it.Tame and limit the holiday decor.  It's great if you love holiday decor, but all things in moderation. For example, you don't need new holiday pillows for your couch every year.  I have a few bathroom holiday towels I put out, and I've been putting out the same towels for 15 years.  They spend one month in action, so they last a long time! Instead, focus on creating hygge or holiday coziness, which doesn't cost a lot of money.Spend reasonably on the holiday entertaining.  You can make an amazing charcuterie board from Aldi or Trader Joes; it doesn't have to break the bank.  Keep things simple, fun, and affordable!  Remember the holidays are about spending time with your friends and family, not impressing them with fancy things.  Consider buying things second-hand or used.  Get creative and make things!  Give the gift of your time. For example, give your partner a coupon book for a massage or give your kids a coupon book for a game of four square.  Give your kids a rain-check if there is something they really want where the price has gotten unreasonably high. Then, get it for them in March 2022 when prices get back to normal.  Leverage coupons, offers, and sales.  This could be choosing clothing for your kids from Sams Club and Costco or looking at the offers inside your credit card app to see where you can score a great deal.  Always google search for a coupon or discount code before you make any purchase online.  And considering using apps like Honey to ensure you're getting the best deals and coupons.  Earn cash-back, points, or miles on your purchases.  Use a cash-back site like Rakuten to get a little something extra for our purchases.  Or put your gifts on a credit card to earn points or miles for travel, but make sure you only charge things you can pay off in that same month. Opt-in to emails from your favorite stores, so you get notified about their best deals.  On the flip side, if you don't have self-control, don't do this, as email marketing might cost you more in the end.  Get your spouse or partner to agree to no gifts this year!Consider gifting experiences over things.  Find a less expensive alternative for Santa pictures, family pictures, or mailing holiday cards.Give back in your time or money to others in need this holiday season, and do this in place of traditional gifts.  Realize that you don't need to spend a lot during the holidays to be happy. Avoid keeping up with the Joneses and lifestyle inflation.Remember that you're at the end of the year, and you want to finish the year strong!  Don't be afraid to return things you get that are unwanted or unneeded. Again, we have a whole episode on this! Top 3 Takeaways:Remember what the holidays are all about. Spend some time thinking about what makes the holidays special for you. Commit to a budget for your spending on gifts and entertaining this holiday season, and track your spending.  Realize that you don't need to spend a lot during the holidays to be happy. Avoid keeping up with the Joneses and lifestyle inflation.Show Referencesfriends on FIRE Episode #069 - Reconsidering the Holidays – 6 ways to save money this holiday seasonfriends on FIRE Episode #79 - How to return unwanted or broken giftsWhat is Hygge?Honey - Automatic coupon codes, promos, and dealsInvisible Hand - Find the lowest price on shopping, flights, hotels and rental carsGo Budget Girl - Where to find affordable holiday family pajamas---Follow friends on FIRETwitterInstagramFacebookLinkedInLeave us a voicemail or text us: 404-981-3370eMail us at:  friendsonfiremm@gmail.comVisit our website: www.friendsonfire.org---Other LinksMaggie's Blog: Mostly Minimal LifeMike's Book: Your New Relationship with Money

What's good trainers, welcome back! On today's very special episode, the boys discuss Part 1 of Pokemon Go's epic Spooky Season Spectacular. Roldy is going to go broke doing Drifblim raids and Richard failed Duskull Community Day. Also-guest star alert-today we have an interview with resident Silph/PokemonGoHub PvP Analyst JRE47! aka JRESeaswolf!! aka Jerry?? Get to know what makes him tick! We discuss how he came to write the amazing Nifty or Thrifty/Pokemon PvP analyses, his contributions to the Silph Cups, the love/hate relationship with GBL, and much much more...like halloween candies that gotta go! That's it for today, thanks for tuning in! Special thanks to our special guest, JRE47 - Twitter: @JRESeawolfHalloween Cup 2021 Nifty or Thrifty: https://pokemongohub.net/post/pvp/pokemon-go-halloween-cup-guide/Past PvP Analysis and Nifty or Thrifty articles: https://pokemongohub.net/post/author/jre47/Don't forget to rate, subscribe, and let us know what you'd like to hear, or if you're interested in being a sponsor of the week via Twitter!!Find us on Apple Podcasts, Spotify, Google Podcasts, Amazon Music, and many more!Don't forget to check out Roldy's YouTube channel for some fun PvP content https://www.youtube.com/channel/UCCZmICr6kvIajkrb_9792IQAlso duh, follow us on Twitter and add us on Pokémon GO!Richard - @itslikecrackyo - 3773 3450 3263Roldy - @R2theOLDY - 8568 6703 2582Til next time trainers!

Chris of Keep Thrifty talks about why payment freedom is even better than debt freedom Episode 1677: Debt Freedom Is Great But Payment Freedom Is Better by Chris of Keep Thrifty on Pathways to Payment Freedom Chris and Jaime live in the suburbs of Madison, WI with their three daughters. While living the typical suburban life, they are challenging the norms by living outside the box and creating the freedom they desire. At Keep Thrifty, they share their journey and bring you inspiration and tools to help you create your freedom. They've got articles and success stories to help inspire you to think differently about your dreams and your finances. They've also created a money tracking app to help you take control of your finances and make those dreams a reality. The original post is located here: https://www.keepthrifty.com/payment-freedom/ If you're looking to supercharge your investment search and want to close on better deals while investing less time, head over to Awning.com/ofd Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily

Chris of Keep Thrifty talks about why payment freedom is even better than debt freedom Episode 1677: Debt Freedom Is Great But Payment Freedom Is Better by Chris of Keep Thrifty on Pathways to Payment Freedom Chris and Jaime live in the suburbs of Madison, WI with their three daughters. While living the typical suburban life, they are challenging the norms by living outside the box and creating the freedom they desire. At Keep Thrifty, they share their journey and bring you inspiration and tools to help you create your freedom. They've got articles and success stories to help inspire you to think differently about your dreams and your finances. They've also created a money tracking app to help you take control of your finances and make those dreams a reality. The original post is located here: https://www.keepthrifty.com/payment-freedom/  If you're looking to supercharge your investment search and want to close on better deals while investing less time, head over to Awning.com/ofd  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily

Thrifty! Diafullah Dobashi's "DAILY SPIT" 255. Lyrical Spit™ & Daily Spit hosted by Professional Wrestler Diafullah the Butcher Dobashi. "Daily" inspiring quotes, current topics, interviews, music & much more. Listen on Anchor, Spotify, Apple Podcast, iHeart Radio, Amazon and on most of your favorite podcast platforms. *For show links LyricalSpit.com *Email: LyricalSpit@gmail.com *Shop at ButcherSpit.com *Professional Wrestling Hall of Fame and Museum: PWHF.org *Lyrical Spit™ 24 hour Hotline *Report Human Sex Trafficking1-888-373-7888 *National Suicide Prevention Lifeline 1-800-273-8255 (Originally aired 10/04/2021) --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/diafullah-dobashi/support

Chris of Keep Thrifty talks about how to beat inflation if you want to retire early Episode 1658: Want to Retire Early - Beat Inflation With a One Two Punch by Chris of Keep Thrifty on Improving Your Finances Chris and Jaime live in the suburbs of Madison, WI with their three daughters. While living the typical suburban life, they are challenging the norms by living outside the box and creating the freedom they desire. At Keep Thrifty, they share their journey and bring you inspiration and tools to help you create your freedom. They've got articles and success stories to help inspire you to think differently about your dreams and your finances. They've also created a money tracking app to help you take control of your finances and make those dreams a reality. The original post is located here: https://www.keepthrifty.com/how-to-beat-inflation-twice/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group Join the Ol' Family to get your Free Gifts Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily

Chris of Keep Thrifty talks about how to beat inflation if you want to retire early Episode 1658: Want to Retire Early - Beat Inflation With a One Two Punch by Chris of Keep Thrifty on Improving Your Finances Chris and Jaime live in the suburbs of Madison, WI with their three daughters. While living the typical suburban life, they are challenging the norms by living outside the box and creating the freedom they desire. At Keep Thrifty, they share their journey and bring you inspiration and tools to help you create your freedom. They've got articles and success stories to help inspire you to think differently about your dreams and your finances. They've also created a money tracking app to help you take control of your finances and make those dreams a reality. The original post is located here: https://www.keepthrifty.com/how-to-beat-inflation-twice/  Please Rate & Review the Show!  Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group  Join the Ol' Family to get your Free Gifts Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily

Bryan and Krissy discuss their love for Norm McDonald, a true loss to the world of comedy and entertainment. Then Bryan recalls the time he lived in a screened in porch. Not to be bothered with things like heat, AC or bed he would rather party! Finally the gang reviews some of the cheapest humans on earth and their dating habits. It's dinner for two with one plate on this Episode!LINKS:Want a TCB limited edition collectible sticker? Each series sticker is limited and first come, first serve. Click HERE to find out how!Or send a text or voicemail to 661-Best-2-Yo (1.661.237.8296)Watch this episode on YoutubeTCBTV-minusSponsorDBSAlliance For Mental Health HelpMagic Spoon (Use Code TCB)FUM (Use Code TCB) Smokeless Pipe for Smoking SesationMEMPHO Music Fest (Oct 1st-3rd 2021)Castbox is the TCB partner for the Mempho Fest showsSubscribe to The Commercial Break Podcast Youtube ChannelNew Episodes on Tuesdays and now Fridays everywhere!Text or leave us a message: 1-(661)-BEST-2-YO  |  (1-661-237-8296)

Follow along with Sarah's Youtube channel- https://www.youtube.com/c/GraceInMySpace DIY Textile art- https://graceinmyspace.com/how-to-make-diy-textile-artwork-that-changes-by-season/ Christmas tree art- https://graceinmyspace.com/how-to-make-diy-christmas-tree-art/ DIY built-ins- https://graceinmyspace.com/how-to-make-custom-built-ins-existing-doorway/ Check out Sarah's $200 pine cabinet here- https://graceinmyspace.com/how-to-lighten-stained-wood-7-options-that-work/ Want to start your own blog? Get my FREE blogging success masterclass: https://www.farmhouseonboone.com/masterclass-registration Berkey water filter with Simple Farmhouse Life podcast discount- https://www.berkeyfilters.com/collections/simple-farmhouse-life?a_aid=5b2cf1884101a&a_bid=d2a30b6f You can get the review here- https://www.youtube.com/watch?v=Z8CaB1n31iI Grab my Ebook recently updated with ALL of my sourdough recipes here- https://withered-breeze-7467.ck.page/9aea28a530 Follow along with Farmhouse on Boone: The blog- https://www.farmhouseonboone.com/ The Youtube channel- https://www.youtube.com/farmhouseonboone Instagram - https://www.instagram.com/farmhouseonboone/ GRAB MY FREE EBOOKS 5 Steps to an Organized Kitchen Mini Guide - https://www.farmhouseonboone.com/5-steps-organized-kitchen-mini-guide Cleaning with Essential Oils - https://www.farmhouseonboone.com/cleaning-essential-oils-ebook 5 Kefir Smoothie Recipes - https://www.farmhouseonboone.com/5-kefir-smoothie-recipes-ebook Farmhouse Favorites Sourdough Recipes - https://withered-breeze-7467.ck.page/9aea28a530 Thanks again for listening and I'll see you in the next episode of the Simple Farmhouse Life podcast!

Chris of Keep Thrifty encourages you to earn like a boss, but spend like an intern. This is part 2 of 2. Episode 1644: [Part 2] Earn Like A Boss Spend Like An Intern by Chris of Keep Thrifty on Managing Your Finances The Right Way Chris and Jaime live in the suburbs of Madison, WI with their three daughters. While living the typical suburban life, they are challenging the norms by living outside the box and creating the freedom they desire. At Keep Thrifty, they share their journey and bring you inspiration and tools to help you create your freedom. They've got articles and success stories to help inspire you to think differently about your dreams and your finances. They've also created a money tracking app to help you take control of your finances and make those dreams a reality. The original post is located here: https://www.keepthrifty.com/earn-like-a-boss-spend-like-an-intern/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group Join the Ol' Family to get your Free Gifts Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily

Chris of Keep Thrifty encourages you to earn like a boss, but spend like an intern. This is part 2 of 2. Episode 1644: [Part 2] Earn Like A Boss Spend Like An Intern by Chris of Keep Thrifty on Managing Your Finances The Right Way Chris and Jaime live in the suburbs of Madison, WI with their three daughters. While living the typical suburban life, they are challenging the norms by living outside the box and creating the freedom they desire. At Keep Thrifty, they share their journey and bring you inspiration and tools to help you create your freedom. They've got articles and success stories to help inspire you to think differently about your dreams and your finances. They've also created a money tracking app to help you take control of your finances and make those dreams a reality. The original post is located here: https://www.keepthrifty.com/earn-like-a-boss-spend-like-an-intern/  Please Rate & Review the Show!  Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group  Join the Ol' Family to get your Free Gifts Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily

Chris of Keep Thrifty encourages you to earn like a boss, but spend like an intern. This is part 1 of 2. Episode 1643: [Part 1] Earn Like A Boss Spend Like An Intern by Chris of Keep Thrifty on Managing Your Finances The Right Way Chris and Jaime live in the suburbs of Madison, WI with their three daughters. While living the typical suburban life, they are challenging the norms by living outside the box and creating the freedom they desire. At Keep Thrifty, they share their journey and bring you inspiration and tools to help you create your freedom. They've got articles and success stories to help inspire you to think differently about your dreams and your finances. They've also created a money tracking app to help you take control of your finances and make those dreams a reality. The original post is located here: https://www.keepthrifty.com/earn-like-a-boss-spend-like-an-intern/  With the SendPro software, you can compare shipping rates between carriers, plus save 40 percent off USPS Priority Mail shipping and get 5 cents off every letter you send. Our listeners can try it FREE for 30 days and get a FREE 10 pound scale, but only when you visit: PB.com/OFD. Please Rate & Review the Show!  Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group  Join the Ol' Family to get your Free Gifts Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily

Chris of Keep Thrifty encourages you to earn like a boss, but spend like an intern. This is part 1 of 2. Episode 1643: [Part 1] Earn Like A Boss Spend Like An Intern by Chris of Keep Thrifty on Managing Your Finances The Right Way Chris and Jaime live in the suburbs of Madison, WI with their three daughters. While living the typical suburban life, they are challenging the norms by living outside the box and creating the freedom they desire. At Keep Thrifty, they share their journey and bring you inspiration and tools to help you create your freedom. They've got articles and success stories to help inspire you to think differently about your dreams and your finances. They've also created a money tracking app to help you take control of your finances and make those dreams a reality. The original post is located here: https://www.keepthrifty.com/earn-like-a-boss-spend-like-an-intern/ With the SendPro software, you can compare shipping rates between carriers, plus save 40 percent off USPS Priority Mail shipping and get 5 cents off every letter you send. Our listeners can try it FREE for 30 days and get a FREE 10 pound scale, but only when you visit: PB.com/OFD. Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group Join the Ol' Family to get your Free Gifts Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily

Let's talk about getting free stuff!!!! In today's episode I talk about my store and my giveaway from Soulful Market and Soaps is having for September

GV kicks off episode 51 with a duet (featuring Princess Jasmine) about the whole new world of school starting back up. Then it's on to a strange visit by a creepy courier, followed by talk about friend of the network Engineer Nerd, VW Bug motors and memes, Lik M Aid, and the Thrifty drug store candy scene.

On this episode, we got to cover a bunch of different topics with an SLP currently traveling in her RV. Special guest, Emma Panepucci MS, CCC-SLP, brought us around the country to some of her favorite travel therapy destinations, discussed her blossoming thrifting business, shared her experiences working in schools, and more in a packed show!This show is made possible by Med Travelers. If you're interested in exploring a career in allied travel, visit: https://www.medtravelers.com/getting-started/become-an-allied-traveler/to learn more about the nationwide opportunities they have to offer!We Discuss(0:00) Show introduction and Emma's career background(6:24) Emma's favorite travel destinations (15:33) Emma's thrifting side hustle (21:45) Advice for people interested in thrifting(23:43) Permanent vs. travel therapy in schools (28:11) Working in a school during COVID(31:26) Practicing teletherapy in an RV (35:17) Advice for permanent employees looking to travel About Emma Panepucci MS, CCC-SLPEmma has been an SLP in the school setting for 10 years, working as a traveler for the past 3. She enjoys the freedom of living on the East Coast, West Coast, or somewhere in between while full-timing in a travel trailer with her husband, cat, and several bins of thrifted clothing for her reselling side business.Where you can find Emma online:Instagram - rethreadandroam   Instagram Shop - shop.rethreadandroamPoshmark ClosetAbout the ShowProducer – Jonathan Cary Assistant Producer – Katie SchraubenAssistant Producer – Sam MacKay Music & Editing – Aidan Dykes Powered by Med Travelers

Saving and budgeting your money is important to your financial success, both before and after retirement. Although saving comes with restrictions, it's important that you don't restrict yourself from enjoying the little things in life. In this podcast episode, Wes interviews Joel Larsgaard, one half of the popular personal finance podcast, How To Money. Joel discusses how to budget while giving yourself permission to spend money on what's important to you. He also shares questions from his podcast listeners, his personal experience with family finances growing up, real estate, over constraint, and having “peace out” money. This is provided as a resource for informational purposes and is not to be viewed as investment advice or recommendations. This information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. The mention of any company is provided to you for informational purposes and as an example only and is not to be considered investment advice or recommendation or an endorsement of any particular company. Past performance is not indicative of future results. Investing involves risk, including the possible loss of principal. There is no guarantee offered that investment return, yield, or performance will be achieved. The information provided is strictly an opinion and for informational purposes only and it is not known whether the strategies will be successful. There are many aspects and criteria that must be examined and considered before investing. This information is not intended to, and should not, form a primary basis for any investment decision that you may make. Always consult your own legal, tax, or investment advisor before making any investment/tax/estate/financial planning considerations or decisions. Investment decisions should not be made solely based on information contained herein. Learn more about your ad choices. Visit megaphone.fm/adchoices

GROW Greatness Reached over Oppression through Wisdom My slip ups and mixups are a part of me; I don't profess to be the best OraclestGod ain't through with Me yetWe on a Journey over here,God is MovingWe are GROWing!Thrifty, nifty Praise God We just made it to 50!A lot of Countries God's Earth, God's LandIt was just a matter of time before we made it to Beautiful Poland

Now that the pandemic is (mostly) over, people are ready to go out and spend money again! On this episode, Jake and Kirk share some thrifty ways to spend your money. While it is true you get the quality you pay for, it is also true that there are a ton of money wasters out there. If you are purchasing anything from a small home appliance to a car, this is a good episode to learn from. *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonwealth.” Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Twitter and Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency. Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346

In studio performance by special guest LiL Thrifty - Exclusive world premier of a new Thrifty track. - Win The RETURN of WILDKAT WRESTLING tickets when you are the first caller after we play the Wildkat sound! - Sht that happened this week - Netflix reviews and more ..... Not Real Radio: Listen Live Sunday Nights from 8:00 - 10:00pm To call in 504-475-8414 Subscribe to our LIVE channels: Twitter: https://twitter.com/Not_Real_Radio Periscope: https://www.periscope.tv/NotRealRadio Mixlr: http://mixlr.com/not-real-radio Youtube: https://www.youtube.com/c/NotRealRadio Twitch: https://www.twitch.tv/not_real_radio DLive: https://dlive.tv/NotRealRadio All Shows available at: Google Play: https://goo.gl/vrGNKM iTunes: https://goo.gl/SvRBJB Soundcloud: www.soundcloud.com/not-real-radio Stitcher: https://goo.gl/zrf7XZ For all this and Merch visit: www.notrealradio.com

Episode 42 - Build The Ultimate Garage Gym (With Steph from Barbell Sanctuary) 0:00 - Intro. 0:55 - Jonny botches the intro. 1:43 - What is a barbell sanctuary? 3:55 - Does a barbell sanctuary require a barbell? 5:03 - Steph's first piece of DIY gym equipment. 6:16 - What should be your first piece of equipment for your home gym? 7:20 - Steph's weight-loss transformation. 9:55 - Getting started with building your home gym. 11:20 - Doing what you can with what you have. 14:16 - Thrifty tips for building your home gym. 17:18 Getting into making your own DIY gym equipment. 18:16 - All of Steph's DIY home gym projects in order. 18:37 - DIY deadlift jack. 19:28 - DIY wooden dumbbell rack. 20:19 - DIY converting your lat pulldown into an adjustable one. 21:27 - DIY belt squat. 22:09 - DIY reverse hyper. 22:47 - DIY barbell storage. 23:18 - DIY plates out of brake rotors. 26:24 - DIY dumbbell adder plates. 29:27 - Safety first! 32:44 - Steph's next DIY project. 33:29 - DIY wooden squat rack? 34:45 - Biggest waste of money for a home gym. 38:22 - Steph is literally the only person alive who properly maintains his treadmill. 39:24 - Brainstorming fantastic ideas for DIY equipment. 39:51 - DIY walking desk for treadmill. 41:34 - DIY wooden barbell. 42:56 - DIY strongman log. 43:33 - DIY farmers carry. 44:54 - DIY wooden pullup bar. 45:48 - Strength For All EXCLUSIVE! DIY kettlebell sneak preview. 48:59 - What's your best squat / bench / deadlift / overhead press? 50:23 - What's one thing you want everyone in the world to know? 51:58 - Social media links. 52:33 - Outro. Barbell Sanctuary Social Media: YouTube: https://youtube.com/c/BarbellSanctuary Instagram: https://instagram.com/barbellsanctuary Twitter: https://mobile.twitter.com/barbelsanctuary My Social Media & Contact Info: Email: jonnyreps@gmail.com What's App: 1-647-573-3162 Website: Jonnyrepsfitness.com/ Instagram: https://www.instagram.com/jonny_reps_fitness/ Facebook: https://m.facebook.com/jonnyrepsfitness/ YouTube: https://www.youtube.com/channel/UCvkLTHoZ5cLVOSk3D4VR3ww Tik Tok: https://vm.tiktok.com/ZSbuB4Tg/ LinkedIn: https://www.linkedin.com/in/jonathan-repasch-b603b7a4

Nazeem Hussain, comedian and host of The Pineapple Project, has been thinking a lot about his spending habits lately and the emotional states that help or hinder his ability to make good financial decisions. He joins behavioural economist Brendan Markey-Towler, and Life Matters listeners, who all share their most outstanding moments of being thrifty, frugal and tight-arsed.

Crystal's unique ideas makes this episode one you can't miss. Who doesn't want to make a lasting impression with their members while working within a limited budget. Crystal and her team at 43 Degrees North know how to connect with their current members and future members by going the extra step and finding ways to introduce them into their fitness community. Take a listen as Crystal shares her tips on how to improve customer experience in unique and thrifty ways.

Becoming more efficient with your resources helps especially if you are just starting your own business. If you want to be financially secure - both in business and in life, follow this Boy Scout law: be thrifty. — Erik J. Olson is an award-winning digital marketer & entrepreneur. The Founder & CEO of Array Digital, he is also the host of the Journey to $100 Million Flash Briefing and daily podcast, and the organizer of the Marketers Anonymous monthly meetups. — Kevin Daisey is an award-winning digital marketer & entrepreneur. He started his first company when he was just 23, and is the Founder & CMO of Array Digital. Kevin is also the co-host of the Journey to $100 Million Flash Briefing and daily podcast, and the co-organizer of the Marketers Anonymous monthly meetups. — For more information on the show, and to check out past episodes, go to journeyto100million.com!

Welcome to LIVE with BaldyPal with co-host Gary Tonight's guest is Deena aka "Thrifty Junker". Make sure to subscribe to her on YouTube before you go. Thrifty Junker on YouTube: https://www.youtube.com/channel/UCeGzuiUWQAEvamYiMy-wJ8Q Gary, Dixie Overland: https://www.youtube.com/c/DixieOverland This episode first aired live on YouTube on 6/9/2021 @ 8PM Eastern Instagram: @BaldyPalPicking Email: baldypal@gmail.com Ebay store: https://www.ebay.com/str/baldypal If you feel obliged to show support for the channel! And I do Thank you! https://www.buymeacoffee.com/BaldyPal #ebay​​​​​​​ #reseller​​​​​​​ #thrift --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/baldypalpicking/support

Introductory audio gives background on "Ripley's Believe it or Not"... 4 back-to-back episodes separated by some old time radio commercials... Believe it or not! (Order of play: Thrifty Nephew, Preston Hall, Church Design from a Footstool, and Dancing Corpses) This track will be stored in the Playlist "Ripley's Believe it or Not" Click on Text to left of bell icon at the top right of the menu to see the playlists.

- News U Need 2 Know About - Streaming in June - NBA Playoffs - Entertainment News - Maybe a new Thrifty song premiere - Your calls and more ...... Not Real Radio: Listen Live Sunday Nights from 8:00 - 10:00pm To call in 504-475-8414 Subscribe to our LIVE channels: Twitter: https://twitter.com/Not_Real_Radio Periscope: https://www.periscope.tv/NotRealRadio Mixlr: http://mixlr.com/not-real-radio Youtube: https://www.youtube.com/c/NotRealRadio Twitch: https://www.twitch.tv/not_real_radio DLive: https://dlive.tv/NotRealRadio All Shows available at: Google Play: https://goo.gl/vrGNKM iTunes: https://goo.gl/SvRBJB Soundcloud: www.soundcloud.com/not-real-radio Stitcher: https://goo.gl/zrf7XZ For all this and Merch visit: www.notrealradio.com

Are you frugal or just cheap, and what’s the difference? Your hosts Christine and Danielle spend this episode of “Currently Obsessed” diving into the nuances of frugality when it comes to food, clothes, travel, and tech. Listen to Episode 115 now on Spotify, Apple Podcasts, Google Podcasts, Stitcher, and more. Links To Give You Life: Start your day with an easy-to-bake breakfast treat: Sticky Fingers Bakeries scone mix Treat your pillow with Chamomile Bergamot Pillow & Body Mist from Bath & Body Works Discover “The Difference Between Frugal, Cheap, Thrifty, and Stingy” and own up to the label that best fits your behavior Waste less and gain more with this Reddit thread all about frugal living Find new ways to make the most out of your groceries and still save every penny with recipes and advice from “Struggle Meals” Thanks for listening to another episode of the “Currently Obsessed” podcast. We hope you enjoyed a laugh or two and join us on Instagram for more chaotic fun. Stay obsessed!  

- Reviews of Netflix Love, Death, & Robots, Castlevania S4, & Hoarders S11. - First look at Resident Evil: Village (XBox) - The Death of New Jack - New lil Thrifty song featuring lil Problem NBA 2k "Squad Up" - News U Need 2 Know About - Your calls and more ..... Not Real Radio: Listen Live Sunday Nights from 8:00 - 10:00pm To call in 504-475-8414 Subscribe to our LIVE channels: Twitter: https://twitter.com/Not_Real_Radio Periscope: https://www.periscope.tv/NotRealRadio Mixlr: http://mixlr.com/not-real-radio Youtube: https://www.youtube.com/c/NotRealRadio Twitch: https://www.twitch.tv/not_real_radio DLive: https://dlive.tv/NotRealRadio All Shows available at: Google Play: https://goo.gl/vrGNKM iTunes: https://goo.gl/SvRBJB Soundcloud: www.soundcloud.com/not-real-radio Stitcher: https://goo.gl/zrf7XZ For all this and Merch visit: www.notrealradio.com

In today's episode I talk about the importance of vacations and how we all need them. Saving money is difficult and challenging but we need too. We can start off small and by the end of the year it can accumulate. I charge my hacks and share ideas on how you can save up for a vacation on a limited income. Join me in today's conversation and start saving money. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

This week I want to talk about minimalism and how it has helped me save money, pay off debt, afford vacations, decluttered my home, and value my relationships. I also share my journey of how I got started on my minimalist journey by listing to The Minimalist podcast and YouTube. I share my experience in order to help others. I hope it help you. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

- Reviews of Mortal Kombat HBO Max & Shadow And Bone Netflix - Break Bread with lil Thrifty fresh off a hospital bed - News U Need 2 Know About - Devil horns hand Gesture - The death of Shock G and more .... Not Real Radio: Listen Live Sunday Nights from 8:00 - 10:00pm To call in 504-475-8414 Subscribe to our LIVE channels: Twitter: https://twitter.com/Not_Real_Radio Periscope: https://www.periscope.tv/NotRealRadio Mixlr: http://mixlr.com/not-real-radio Youtube: https://www.youtube.com/c/NotRealRadio Twitch: https://www.twitch.tv/not_real_radio DLive: https://dlive.tv/NotRealRadio All Shows available at: Google Play: https://goo.gl/vrGNKM iTunes: https://goo.gl/SvRBJB Soundcloud: www.soundcloud.com/not-real-radio Stitcher: https://goo.gl/zrf7XZ For all this and Merch visit: www.notrealradio.com

Mary Ellen and Dan talk to Ellis about his life in politics, his life in the car business, his family legacy and real estate development in Florida.  The story of how he first got involved in politics and where it took him is like something out of a movie. He tells us all about his Dad getting in to the car business and how and why that happened. His recent move to Florida has him delving in  real estate and building spec houses while simultaneously running Thrifty Car Sales in Franklin with the help of his amazing staff. Ellis can be reached at 617-319-7447.Ellis's Quote - The greatest glory in living lies not in never failing but, in rising every time we fall.Accidental Quote - The world does not care!Question - What do you expect from your team members and how will those expectations change over time and is this written in a company handbook?

- World Premiere of lil Thrifty's - Overdosing on Xanax - Why the Static - Mayday's Power Weekend - Weather Alerts - News U Need 2 Know About - A few Show Reviews - Your Calls and More ...... Not Real Radio: Listen Live Sunday Nights from 8:00 - 10:00pm To call in 504-475-8414 Subscribe to our LIVE channels: Twitter: https://twitter.com/Not_Real_Radio Periscope: https://www.periscope.tv/NotRealRadio Mixlr: http://mixlr.com/not-real-radio Youtube: https://www.youtube.com/c/NotRealRadio Twitch: https://www.twitch.tv/not_real_radio DLive: https://dlive.tv/NotRealRadio All Shows available at: Google Play: https://goo.gl/vrGNKM iTunes: https://goo.gl/SvRBJB Soundcloud: www.soundcloud.com/not-real-radio Stitcher: https://goo.gl/zrf7XZ For all this and Merch visit: www.notrealradio.com

The first “influencer” that we ever followed. She’s the OG! Join us for a candid chat with our girlfriend Cat Pagoaga! Cat started Thrifty Littles in 2013 after the birth of her first child. After making the decision to leave her job to become a stay-at-home mom she had to drastically cut back on spending. During this time, Cat really came to appreciate a good deal. That combined with her love of children’s clothing and design was the start of Thrifty Littles. --- Support this podcast: https://anchor.fm/doyouhaveaminute/support

This week we have Greg, Mike, Nick, and the best hair in the business Andrew Thrift(AKA Little Alex Horne). Big thanks to Tommy C for taking one for the team! **Sponsors** Sonar.software Kwikbit.com Towercoverage.com **/Sponsors** This week we talk about: CRS504/CRS518 and CCR2016/CCR2116 …speculations? Thrifty thoughts on security automation in security IBM QRadar has a(More)…

Have you considered getting involved in property renovations? If so, then today's show is just for you. Making a tidy profit renovating a property seems like an attractive proposition, doesn't it? And that's why more real estate investors are turning to renovations: you know, buy low, renovate cheaply, add substantial value. That's the aim of their game. Sounds simple enough. But it's not really that simple. Sure, anyone can renovate, but not everyone can renovate for a profit. If you've been reading my blogs and listening to my podcast, you know that my preferred investment strategy is to add value. It is to manufacture growth through renovation and development. So in today's show, I chat with Greg Hankinson, director of Metropole Constructions. Greg has completed thousands of renovations. We're going to give you some tips and share some traps to avoid if you're going to get involved in property renovations. And at the end of the show, I'm going to share my mindset moment with you. Renovations Insights and Mistakes The BRRRR strategy Buy, Renovate, Rent, Refinance, Repeat Flips flop You need to manufacture significant capital growth - upside to cover the costs and unless you do a structural renovation this is too hard to achieve – can't achieve with cosmetic renovation. Patients take time, cost more, require permits and the associated costs could easily add 50% to your renovation budget. With cosmetic renovations, you can't really get two dollars for every dollar you spend Why they flop - Transaction and holding costs, tax, unrealistic expectations, and flipping in a fickle market   Which tasks to outsource Anyone can renovate, but that doesn't mean they can make a profit, so let's look at some tips to make your renovations more profitable. What needs licenses – the electrician, plumber, any building works over 5000 in Victoria and different in other states Hire a project manager; don't do the work yourself. Mistakes: Choosing the wrong location Do you need the right market location where there is a significant differential value if you renovate.? This is unlikely in cheaper blue-collar or regional areas. Become an expert in your location can't rely on Internet reports avoid Main roads Wrong Property Cosmetic renovations – must be 20+ years old and of significant value, a lick of paint is not enough Structural – probably 50+ years old – must have good bones Refurbish versus renovate   What's the difference? The refurbishment has no direct equity creation no additional capital growth but it does increase the rental returns and possibly some depreciation benefits Refurbish and not renovate? When a good property needs refreshing, kitchen bathrooms are in good nick, all the basics are sound, when if you renovated it would be a risk of overcapitalizing Not getting the appropriate permissions Check the permissions required Council & building permits? Owners corporation? Avoid overcapitalizing It's very easy to find a property that needs a renovation, but not so easy to find one that will reap a profit. Work backward – establish a post-renovation market appraisal on the property, subtract the purchase price, associated costs, interest, and a healthy buffer and profit margin. What's left is your renovation budget. As a rule, keep the renovation budget to 10% of the market value of the property Not allowing a sufficient contingency amount Once a budget is established, allow a contingency based on your experience level and the extent of the renovation works. Allow a little more if structural works or there are planning/building approvals required and a little less if the works are purely cosmetic. Ballooning budget Unreliable tradesmen, deadlines slipping through your fingers like sand, and alterations to the plan can quickly add up to cause your renovation budget to blow. Planning for delays and allowing for contingencies is critical to a successful renovation. Unexpected and Invisible costs From finding asbestos to hitting hard stone when excavating, these are just some of the unexpected costs that can come out of the woodwork when your renovation begins. These additional costs burn into your wallet, but removing the issues do not add perceived value to the property. Tailor the renovation for the target market  Becoming an expert in the area. Understand local demographics By knowing what the market expects, you can tailor the works to suit that market and therefore not spend on things that may not bring a return on your dollars.  It's not how you want to live – think…The Block First impressions matter The wow factor – Natural light, fresh paint, new floor coverings, and window furnishings go a long way towards transforming a tired old property into something that will be sought after. Often it's the little things that can make or break a successful renovation. Neutral colors allow tenants to create their own identity with their belongings. Dominant colors and textures tend to close in the wall and make spaces feel smaller than they are.  If you're doing cosmetic renovations make sure the changes you make are highly visible Don't waste money rewiring or replumbing (OK for structural) New floor coverings, carpets polish floorboards paint, blinds, air conditioning Make people think you've spent more money than you have Houses - cement render the exterior Kitchens and bathrooms sell properties Beware of diluting your dollar by doing half the job If you renovate the kitchen but leave the original tired and rundown bathroom, it will de-value the kitchen and vice versa. If the budget doesn't allow for both of them, it may be worth deferring renovation works Avoid DIY Unless you're a skilled tradesperson, don't get lured into to misconception that you'll save money by doing the work yourself. TV shows like the block glamorize and simplify the renovation process. In most cases, it will cost you the same or more but always take you longer if you're doing the work yourself, therefore resulting in poor finishes, delayed completion dates, and unnecessary holding costs due to the extended completion times. How do you value your time? Many people do not factor in the cost of their own time and stress when ‘running the numbers'. Be prepared to set aside significant portions of your time for planning, making/taking phone calls, wrangling, and negotiating with suppliers, making decisions. If renovating is not your day job, this could mean hours after work and on weekends. Could that time be better spent with your family? Or doing your regular job? Remove the emotion Adding value to an investment property should be run like a business. There's no room for latest fads in design and you shouldn't be trying to make the cover of Belle magazine, that's for your own home. The purpose of renovating investment properties should always be about maximizing both the rental return and capital value of that property.  Get a good team around you Renovation involves coordinating various tradespeople - who are busy and unreliable Remember, they're the experts. They've done it before and probably seem the mistakes others have made. By getting close to your trades, you'll avoid falling into the same trap.  Don't be stingy Stretch – you normally get only one chance per property every 20 years - do it right - don't be cheap Thrifty is good, cheap is bad There's a lot of cheap products in the market place these days, especially online. In my experience, cheap stuff is cheap for a reason and will cost you more in the long term. Take engineered timber flooring for example; you can buy an imported laminated timber board from your local hardware store starting from about $19 that has a lifespan of 1-2 years if you're lucky.  Same deal with paint, carpet, window dressings etc. Cheap just doesn't last and it's a false economy to suggest otherwise.  Ask yourself the tough questions "Do I have time to execute this renovation effectively?" If the answer to this "No" or "I think so?" Consider paying a professional to manage it for you. The additional cost will most like be offset by the works being completed in a more timely manner, to a higher standard, and with a guarantee.  Links and Resources: Michael Yardney Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us Greg Hankinson Director Metropole Constructions Why not see how Metropole Constructions can help you. Shownotes plus more here: Renovations are a great way to lose your money if you make these mistakes | With Greg Hankinson Some of our favourite quotes from the show: “I know last year, during the difficult times of letting properties with COVID, our team at Metropole constructions did a lot of refurbishments and quite a few renovations, and those properties, when they got put back onto the market, actually got leased very quickly.” – Michael Yardney “It's very easy to find a property that needs renovation, but it's not as easy to find one where you're going to reap a profit at the end.” – Michael Yardney “You get one chance to do this every 20 years or so. Do it right, don't be cheap.” – Michael Yardney PLEASE LEAVE US A REVIEW Reviews are hugely important to me because they help new people discover this podcast. If you enjoyed listening to this episode, please leave a review on iTunes - it's your way of passing the message forward to others and saying thank you to me. Here's how

William E. Lobeck Jr. began his career in the 1960s at Norfolk Pontiac and Chevrolet dealerships, Norfolk, Virginia, cultivating daily rental car companies as his largest customers.He created the very first dealer repurchase program and established a special purpose leasing company out of a need to serve his customers. Eventually, manufacturers took notice of these programs and today repurchase programs and special purpose leasing agreements are a significant component of the automotive and daily car rental industries.Lobeck was ultimately persuaded to join one of his daily rental customers, Dallas-based American International, becoming president and CEO in 1979. During his 11-year tenure, the company grew from 18 offices in seven states to nearly 300 offices across the country.In 1981, Lobeck and four partners purchased Thrifty Car Rental, a North American car rental franchise system with great potential but in serious financial trouble. Reengineering every aspect of the company from its financial management to its public brand, the partners increased the company’s profitability, eventually leading to a successful IPO in 1987.He has had successful stints as an executive associated with a who’s who of car rental companies, including Dollar Rent-A-Car, Snappy Car Rental, General Rent A Car, National Car Rental, and Alamo Rent-A-Car. He sold his interests in the Alamo and National brands in 2007 to Enterprise Rent-A-Car.The Lobeck Taylor Family Foundation was established in 1997 and is involved in a broad range of philanthropic activities.Bill Lobeck has been awarded an honorary Doctoral degree from his alma mater, Old Dominion University, and inducted into the University of Tulsa College of Business Hall of Fame and the Tulsa Historical Society Hall of Fame.

On this episode of the Dentist Money™ Show, Ryan interviews Glenn Vo, founder of Nifty Thrifty Dentists. If “it takes a community to raise a child,” the need for community could easily be applied to building a practice. Running your own small business is difficult—so where do you turn for solutions? Glenn Vo, king of the discount deal and practicing dentist, explains why establishing relationships with other experienced dentists is so important to finding practice success.

Just about a month ago Hyatt announced that many of their resorts in Latin America would be providing free COVID-19 testing for guests traveling to America after their stay. With the US now requiring a negative COVID-19 test to enter the country, it was a good move by Hyatt. Nick Serati, co-founder of Thrifty Traveler, covers a couple of key areas for us this week. First, he's got a great review of the new Hyatt Zilara Cap Cana in the Dominican Republic. Then, he and I break down what it was like to go through the free COVID testing at the resort and to travel back to the US shortly after the new regulations were in place. First-hand experiences like this should help you plan your next trip! You can find Nick on Twitter and Instagram and you can also get a discount on Thrifty Traveler Premium by using the code "THRIFTY". Lastly, I close out the show with some thoughts on recent changes that could be positive news for road warriors. If you enjoy the podcast, I hope you’ll take a moment to leave us a rating. That helps us grow our audience! Hope you enjoy the show! If you have a suggestion for a future show find me on Twitter, Facebook or Instagram and let me know what you’d like to hear about!

SHOW NOTESThe basics of raising goats is our topic this week as join Nicole and Deborah Niemann of Thrifty Homesteader.WHAT YOU’LL LEARNGoats are browsers, not grazers, and what that means to your homestead.Why learning the basics of raising goats before you bring them home is essential to their health.Steps to complete before you get goats.What to look and tests that need to be performed on goats before you purchase.The basics of raising goats will differ depending on your individual circumstances.Why the vet you use for your pet cat or dog is not the best choice for your goats.OUR GUESTDeborah and her family moved to the country in 2002 to start growing their own food organically.They have raised cattle, sheep, goats, pigs, and poultry, plus llamas, but ultimately have settled on sheep, goats and poultry as their livestock of choice! The family also have a garden and make their own maple syrup.Raising goats did not come easy to Deborah. In fact, she found it was the hardest animal she has ever tried to raise. In the early years, her goats dying and nobody could really tell her why, but rather than give up, she set herself the task of figuring out what was wrong and learned more than just the basics of raising goats but enough to write three books! Two editions of Raising Goats Naturally, which are 300+ pages, and Goats Giving Birth – see resources below for a link to purchase.Deborah doesn’t simply tell people to do what works for her goat herd because every farm is different, and every goat herd is different. What worked on Farm X may literally kill another farm’s goats. She tells people that there is no one-size-fits-all recommendation for raising goats. The answer is almost always “it depends.”She firmly believes in understanding the “Why” behind information given to goat owners and she explains the science behind various recommendations. This then enables people to understand why they see so many conflicting opinions and can then apply only what will work best for their herd’s specific needs.RESOURCES & LINKS MENTIONEDThrifty Homesteader WebsiteThrifty Homesteader FacebookThrifty Homesteader TwitterThrifty Homesteader InstagramThrifty Homesteader YoutubeThrifty Homesteader PinterestFor the Love of Goats PodcastBackyard Bounty Podcast Goat and Sheep Health ft Dr. Reid ReddenCourses from the Thrifty Homesteader*Raising Goats Naturally (second edition 2018) book* Goats Giving Birth (June 2020) bookJust Kidding: Stories and Reflections on Goats Giving Birth Kindle Edition*Denotes affiliate linksSupport the show (https://www.patreon.com/heritageacres)

Greta Chapin-McGill is a Black feminist artist who believes the narrative of her art is a living document, evolving in phases. The most important lesson she says she has learned has been "to get out of my own way and let the art lead me.” She is drawn to artists, male and female, whose sensibilities are able to look intimately at the feminine mystic. “Women express openly among themselves and in every venue they inhabit emotion and spirituality," Greta says. To her, feminism means having the unparalleled physical strength literally to push humanity forward. "Feminism silently and most profoundly influences my work, she says. "Women are the species I know best.” Reared in Washington, D.C., Greta has lived in New York, New Mexico, and Firenze, Italy. “My work is abstractly real. The techniques are driven by classical art 'isms,' indigenous tribal art, and my own unique ancestral DNA. I spend time reading, studying, and collecting mentors to further my art," she says. Her great influences include Wilfredo Lam, Picasso, Matisse, Leon Berkowitz, Alma Thomas, and contemporary artists with whom she converses with about art, politics, and concepts of life, such as Lillian Burwell, the late Jack Whitten, Oliver Lee Jackson, Akili Anderson, Alonzo Davis, and Indigenous artist Patricia Michaels.“I am driven to tell the story of my time through the eyes of a Black American woman, a feminist and global citizen,” Greta says. Instagram: ChapinMcGill (where many of her works pictured are for sale—DM her!)Facebook: Greta Chapin-McGill