Podcasts about ynab you need

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3005: Chelsea from SmartMoneyMamas.com explains the practical steps to safeguard your budget from unexpected expenses by dividing them into predictable and unpredictable categories. She highlights the importance of building annual budgets, creating sinking funds, and prioritizing an emergency fund to transform financial stress into manageable bumps in the road. Read along with the original article(s) here: https://smartmoneymamas.com/how-to-plan-for-unexpected-expenses/ Quotes to ponder: "Building irregular expenses into your budget is one of the pillars of creating a budget that works long-term." "It always seems impossible until it is done." "An emergency fund is your financial life jacket. It keeps you from sinking into debt just because you didn't budget for something." Episode references: YNAB (You Need a Budget): https://oldpodcast.com/track Qube Money: https://qubemoney.com University of Minnesota Extension on family clothing budgets: https://extension.umn.edu Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3005: Chelsea from SmartMoneyMamas.com explains the practical steps to safeguard your budget from unexpected expenses by dividing them into predictable and unpredictable categories. She highlights the importance of building annual budgets, creating sinking funds, and prioritizing an emergency fund to transform financial stress into manageable bumps in the road. Read along with the original article(s) here: https://smartmoneymamas.com/how-to-plan-for-unexpected-expenses/ Quotes to ponder: "Building irregular expenses into your budget is one of the pillars of creating a budget that works long-term." "It always seems impossible until it is done." "An emergency fund is your financial life jacket. It keeps you from sinking into debt just because you didn't budget for something." Episode references: YNAB (You Need a Budget): https://oldpodcast.com/track Qube Money: https://qubemoney.com University of Minnesota Extension on family clothing budgets: https://extension.umn.edu Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3005: Chelsea from SmartMoneyMamas.com explains the practical steps to safeguard your budget from unexpected expenses by dividing them into predictable and unpredictable categories. She highlights the importance of building annual budgets, creating sinking funds, and prioritizing an emergency fund to transform financial stress into manageable bumps in the road. Read along with the original article(s) here: https://smartmoneymamas.com/how-to-plan-for-unexpected-expenses/ Quotes to ponder: "Building irregular expenses into your budget is one of the pillars of creating a budget that works long-term." "It always seems impossible until it is done." "An emergency fund is your financial life jacket. It keeps you from sinking into debt just because you didn't budget for something." Episode references: YNAB (You Need a Budget): https://oldpodcast.com/track Qube Money: https://qubemoney.com University of Minnesota Extension on family clothing budgets: https://extension.umn.edu Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2996: Dr. Leif Dahleen debunks common financial misconceptions like "free" travel with credit card points, the necessity of budgeting, and the idea that everyone needs a side hustle. He explains how credit card rewards aren't truly free and challenges the notion that earning more is always better than spending less, especially when taxes are factored in. His insights encourage intentional spending and a realistic approach to personal finance. Read along with the original article(s) here: https://www.physicianonfire.com/money-myths/ Quotes to ponder: “You might be inclined to consider these flights as ‘free travel,' but the truth is that you could have $500 cash in your pocket instead.” “A dollar saved is better than a dollar earned. Every $1.00 that you don't spend is about $1.60 that you don't have to earn.” “Side gigs can be great for non-financial reasons but a main gig ought to be enough to support you and your family financially.” Episode references: YNAB (You Need a Budget): https://www.youneedabudget.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2996: Dr. Leif Dahleen debunks common financial misconceptions like "free" travel with credit card points, the necessity of budgeting, and the idea that everyone needs a side hustle. He explains how credit card rewards aren't truly free and challenges the notion that earning more is always better than spending less, especially when taxes are factored in. His insights encourage intentional spending and a realistic approach to personal finance. Read along with the original article(s) here: https://www.physicianonfire.com/money-myths/ Quotes to ponder: “You might be inclined to consider these flights as ‘free travel,' but the truth is that you could have $500 cash in your pocket instead.” “A dollar saved is better than a dollar earned. Every $1.00 that you don't spend is about $1.60 that you don't have to earn.” “Side gigs can be great for non-financial reasons but a main gig ought to be enough to support you and your family financially.” Episode references: YNAB (You Need a Budget): https://www.youneedabudget.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2996: Dr. Leif Dahleen debunks common financial misconceptions like "free" travel with credit card points, the necessity of budgeting, and the idea that everyone needs a side hustle. He explains how credit card rewards aren't truly free and challenges the notion that earning more is always better than spending less, especially when taxes are factored in. His insights encourage intentional spending and a realistic approach to personal finance. Read along with the original article(s) here: https://www.physicianonfire.com/money-myths/ Quotes to ponder: “You might be inclined to consider these flights as ‘free travel,' but the truth is that you could have $500 cash in your pocket instead.” “A dollar saved is better than a dollar earned. Every $1.00 that you don't spend is about $1.60 that you don't have to earn.” “Side gigs can be great for non-financial reasons but a main gig ought to be enough to support you and your family financially.” Episode references: YNAB (You Need a Budget): https://www.youneedabudget.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode SummaryI speak with Jesse Mecham, founder of YNAB (You Need a Budget), about the 4 rules of successful budgeting, small habits with big impact, and his amazing morning routine..Episode Show Notesjeffsanders.com/562c.Go Premium!Exclusive bonus episodes, 100% ad-free, full back catalog, and more!Free 7-Day Trial of 5 AM Miracle Premium.Perks from Our SponsorsRosetta Stone → Use my code TODAY for a great dealBiOptimizers → Use my code 5AM for a great deal.Learn More About The 5 AM MiracleThe 5 AM Miracle Podcast.Free Productivity Resources + Email Updates!Join The 5 AM Club!.The 5 AM Miracle BookAudiobook, Paperback, and Kindle.Connect on Social MediaFacebook Group • Instagram • LinkedIn • Twitter.About Jeff SandersRead Jeff's Bio.Questions?Contact Jeff.© 5 AM Miracle Media, LLC.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Your sales are going great, and you're expecting one of your spa's highest revenue months yet, but when it comes time to do your monthly bookkeeping, what you brought in seems to have flown out the door just as fast. Does that feel familiar?  Whether it's constantly feeling like you're in a state of catch-up with your business finances, or you honestly don't know where all the money is going — Team Addo coach Nicole Cooley and I are here to break down all your cash flow woes so you can start seeing exactly where your money is going and manage it to flow where you want, when you want.  If you ever feel like trying to manage your business' finances is a rollercoaster ride, we're going to shine a light on our biggest tips and top tool, YNAB (short for You Need a Budget), to smooth out the bumps so your cash flow can actually be in, well, flow!  In this episode, we discuss:  How getting a hold of your spa's cash flow allows you to pay yourself more and find opportunities for your business to absorb expenses that can be tax deductible  Why you need to look at managing cash flow as a marathon, not a sprint, and how we use YNAB (You Need a Budget) as a tool to help demystify where money is going and flowing An overview of the Profit First enveloping system, how we tailor it to spas and tips for how to gradually shift your cash flow percentages  Understanding the big picture of your business's financial health and how profit, savings, and taxes put the puzzle together  To read the full show notes for this episode, visit: https://www.addoaesthetics.com/blog/394  Keep the conversation going inside the Spa Marketing Made Easy Community by clicking here.

TITLE: What's the Purpose of Your Money | YNAB Founder Jesse MechamDo you have trouble in your relationship with the money you earn?On today's episode of Potent, Steven is joined by personal finance expert and founder of YNAB, Jesse Mecham, to discuss the philosophy and principles of YNAB (You Need a Budget), an app designed to help users align their spending with their personal values and goals. Jesse shares his journey of using money intentionally and the benefits of giving every dollar a job and covers four key habits promoted by YNAB: assigning every dollar a job, embracing true expenses, rolling with the punches, and aging one's money. About Today's GuestJesse Mecham is a personal finance expert and founder of YNAB, an app with a simple set of habits to help people change the way they think about money. Jesse hosts the top-rated financial podcast You Need A Budget (8 million downloads), as well as the business owners' guide to managing cash flow, the Beginning Balance Podcast. He is the Wall Street Journal best-selling author of, You Need A Budget and is regularly quoted in the media as a money management expert – Forbes, New York Times, CNBC, and Business Insider have featured him – to name a few!Jesse started YNAB in 2004, and back then, it was just a lil' bitty spreadsheet that helped him (a self-proclaimed cash-strapped, newly married college student) cover the cost of his textbooks without going into debt. Nearly two decades later, The TODAY Show described YNAB as a “cult-favorite,” and the YNABverse continues to expand – amassing passionate fan communities on every corner of the internet (that combined are larger than the population of Charleston). Every day they share stories of demolishing debt, paying for cars in cash, or quadrupling their net worth. YNAB the company is home to a fast-growing team living and working all around the world, and has built a thriving remote culture that earned recognition as Fortune's #1 best small company to work for. (YNAB was doing remote work before it was cool!). When not teaching the YNAB Method – four habits to help people spend, save and give without guilt or second-guessing –Jesse loves gardening, woodworking, marksmanship, and travel. He also spends a good bit of time with his wife and their seven children – yes, seven! To learn more, visit www.ynab.com. Show Notes0:00 Intro + Story and Philosophy of "You Need A Budget"04:59 YNAB's Four Habits14:06 First Steps to Giving Your Money A Job19:33 Scarcity Is Clarity26:53 Dealing with Debt: Pace and Prevention31:46 Taking Inventory, Making Decisions37:33 Rapid Fire Questions_The Potent Podcast is produced and edited by Justin Sinclair, who also composed the theme music. Additional editing support and mixing by Aaron Feeney.This podcast is brought to you by the Monk Manual. The monk manual is dedicated to providing best in class tools for helping you build a more potent life, and experience peaceful being and purposeful doing on a daily basis. If you'd like to be more intentional with your time and energy - please visit monkmanual.com

In this episode, Jen interviews Amber Dugger. Amber Dugger is the founder of Profit For Keeps, a system developed for online entrepreneurs to end the stress and anxiety around numbers.  It is a holistic system combining personal finance and business cash flow strategies using Profit First and YNAB (You Need a Budget).  She has helped hundreds of coaches implement this system and has helped thousands more calculate revenue goals that actually make sense!  She is a certified health coach from IIN and worked in corporate finance for 15 years before venturing out on her own in 2015 and thrives on being location independent.  She loves traveling, wine, bicycles, knitting and a good cup of tea (if in England) and coffee (if in Italy).  Sweet Life, Purposeful Money is a high vibe community of virtual service-based entrepreneurs seeking a group to up-level their money game. Join in the fun here! www.amberdugger.com/community   Key Notes: How money is the one of the hardest things to talk about The balance between the masculine and feminine aspects of money How you are always going to be attracted to what it is that you find naturally easy to do   Show Notes: (02:02) Jen introduces this week's guest on the show (07:21) Amber shares that when she was back in corporate, it was not the life she wanted to live (12:00) There is something more than us just surviving and we can really feel good in our bodies (15:40) How we have trouble receiving (23:00) Amber shares some signs that can create awareness that we are blocking ourselves from receiving (28:01) The difference between prosperity and wealth (40:11) Amber shares what profit for joy and profit for keeps are all about   Quotes: (11:42) When we become more aware and in tune with our relationship with money, everything starts to settle and we're able to really be in this place of expansiveness and joy. (16:10) When we give, it requires someone to be willing to receive (46:34) All energy loves to move, loves to go in places and if there's not a space for it to be, it will keep moving   Resources: Website Facebook Instagram Youtube The 13 Moons of Daily Devotion Journal Meditation Bundle Book a Call to Connect Dream Life Meditation Prosperity Course Prosperity eBook Bundle OPT IN Prosperity Journal   Connect with Amber:   Radiate Wellness Products: Website - www.amberdugger.com YouTube - https://www.youtube.com/c/AmberDuggerOfficial   Instagram - https://www.instagram.com/profit.with.amber Facebook Page - https://www.facebook.com/profitwithamber/ Facebook Group Sweet Life, Purposeful Money www.amberdugger.com/community True Expenses: https://www.youtube.com/watch?v=Dy6nIosmhOg   Freebies for listeners - Free profitability and revenue calculator: https://amberdugger.com/calculator     PODCAST DISCLAIMER: This podcast is to educate, inside, and inform the listeners of various pathways to wholistic well being.  This information is not to replace the advise of your physician, specialist, medical doctor, therapist, nutritionist or dietician. Please refer to full Medical Disclaimer Here.

A detailed, more than you wanted to know comparison between Monarch Money and YNAB (You Need a Budget) --- Send in a voice message: https://podcasters.spotify.com/pod/show/lizgetsloaded/message

Holly Grosvenor is a personal financial coach at Microstuff.com and a certified YNAB (You Need a Budget) coach. She provides one-on-one coaching on basic personal finances including financial goals, debt reduction, spending and savings plans to singles, couples, and parents. She has been coaching since 2018. KB and Holly chat about KB's goal of no frivolous spending for the first quarter of 2024. They chat about 529 college savings plans and whether or not to pay off your home if the funds are available. Holly also shares her best tips on budgeting whether you are working with a little or a lot. For more information and to connect with Holly, visit Microstuff.com.

Today we are continuing our discussion about what budgeting platform you should consider if you've been a longtime user of mint.com.Certified Financial Planner, Katherine Edwards joins us to share of her experience using the YNAB, [aka You Need a Budget] platform which takes a completely different approach to the whole budgeting idea.Listen in as she discusses some pros and cons that will help you with your decision on which platform you want to move to.Anna's Takeaways:Budgeting App YNAB's Benefits (01:30)Personal Finance App Features And Usage (4:19)Budgeting And Personal Finance Management (7:57)Using Personal Finance Apps For Budgeting And Tracking Expenses (11:02)Meet Katherine Edwards, a Certified Financial Planner® at Mainstreet since 2022. With a passion for helping clients achieve financial peace and enjoy life, she's been in the industry since 2014, earning her CFP® designation at Duke University in 2017. Katherine believes in the transformative power of a tailored financial plan and has dedicated herself to educating others about its importance. Beyond her financial expertise, she volunteers to provide counseling on debt and budgeting and has spoken at academic institutions on various financial topics. Based just outside Nashville, in Murfreesboro, Katherine enjoys exploring new restaurants, wine tasting, and spending quality time with her husband and two golden retrievers.Rate, Review, & Follow on Apple PodcastsMoney Boss Parents! Welcome to Anna's Money Boss Parent podcast, your go-to resource for mastering money management while raising a family. Join me as we explore practical tips, expert insights, and inspiring stories to help you achieve financial success and create a brighter future for your loved ones. Don't forget to subscribe, rate, and review the show to support our mission of empowering parents like you to take charge of their finances and build a prosperous life for their families. Let's thrive together on this incredible journey!Links mentioned in this episode3 Alternatives to Mint.com - Article by Katherine Edwards, CFPFREE GUIDE- Kid Money Boss: School isn't teaching my son about Money. It's up to us Parents. Here are 9 tools I am using to team my son, everything I never learned as a kid.Websites:www.mainstreetplanning.com

Tune in for a debt confession update and find out what happened to my Capital One card...so embarrassing! ******Grab your Budget Binder Supplies! ➡️  https://amzn.to/3un7S3qWant to be on the channel and have your budget audited for FREE? Book an appointment at the link below:https://wendycoop.as.me/auditRead the blog:https://savvybudgetgirl.comFresh Start Program for student loans:https://studentaid.gov/announcements-events/default-fresh-startBuy the merch!http://savvybudgetmerch.comBuy me a coffee:https://www.buymeacoffee.com/savvybudgetgirlYou can also visit the Etsy shop!https://www.etsy.com/shop/SavvyBudgetGirlTVThis episode is NOT sponsored. Some product links are affiliate links, meaning if you buy something we'll receive a small commission.

A short and sweet episode this week on how I ALMOST got another credit card. Yikes! Enjoy the story!Join the FREE Community!https://www.facebook.com/groups/financialeducationinitiativeHYSA recommendations:https://www.nerdwallet.com/best/banking/high-yield-online-savings-accounts Read the blog:https://savvybudgetgirl.com Buy the merch!http://savvybudgetmerch.com Buy me a coffee:https://www.buymeacoffee.com/savvybudgetgirl You can also visit the Etsy shop!  https://www.etsy.com/shop/SavvyBudgetGirlTV This video is NOT sponsored. Some product links are affiliate links, meaning if you buy something I'll receive a small commission. 

Emergency Funds: Your Financial Safety Net!

Are you ready to conquer the open road without breaking the bank? Join us and our amazing guests, Beth and Court from Life with Beth and Court, as they share the secrets to epic adventures on a budget. In this video, we chat with these 2 amazing ladies about tried-and-true tips for RVing like a pro while saving those precious dollars. Remember to follow our channels and be part of our communities. Get ready to make memories that will last a lifetime without draining your wallet!YNAB (You Need a Budget): Using this link will get any of the listeners a free month to try it out!https://ynab.com/referral/?ref=qmeBmSiHfUb1o73F (https://ynab.com/referral/?ref=qmeBmSiHfUb1o73F)Life with Beth and Court  Youtube: https://www.youtube.com/@LifewithBethandCourt/videosInstagram: https://www.instagram.com/lifewithbethandcourt/Tiktok: https://www.tiktok.com/@lifewithbethandcourt?is_from_webapp=1&sender_device=pcWebsite: https://www.lifewithbethandcourt.com/Social Media Coaching Services: https://www.buymeacoffee.com/lwbc/commissionsEpisodes Sponsors & Discounts: • RV Trip Wizard Code: RVLIFEPodcast for 25% off • Harvest Hosts Code: HUNT20 for 20% off • Open Road Resorts Mention RV LIFE Podcast for discounts • Boondockers Welcome Code: HUNT20 for 20% off • Kracken Adventure Bikes - Code: Hunt for $400 off • AirSkits Use Discount Code: RVPOD • Liquid Rubber Code: RVLIFEPOD for 15% off • Wholesale Warranties • National Indoor RV Centers • MotorHome Tires Follow, Leave Comments, or Message Us On Social Media: Facebook Instagram Linktree Check Out Dan & Patti's RV Lifestyle Youtube Channel

Squee! Janine and Shannon have exciting news to share: We've both completed a training program to earn the certification YNAB Certified Budgeting Coaches. We're very excited to coach people so they can benefit from this unique budgeting methodology and software as we have. This week we talk all about why we love YNAB (You Need a Budget). Discussion topics include: • We've finished our certification program and are now YNAB Certified Budgeting Coaches • We learned so much! • What's YNAB? It's You Need A Budget, a methodology and software for budgeting. We love it. • How the training program gave us a deeper knowledge of both the methodology and software • How YNAB's Rule Three: Roll with the Punches appeals to the "good enough" in us! • The baked-in expectation that you will change things in your YNAB budget • A key component of YNAB: You budget only money that you have • The similarities between YNAB and an envelope system of spending • A major YNAB goal: Get out of the paycheck-to-paycheck cycle • The peace of mind YNAB has given Janine while she and her husband plan the financial implications of his retirement • How YNAB is helpful for people with lower and higher incomes (and everyone in between) • How YNAB is useful for both getting out of debt and saving money • The two-person virtual YNAB retreat that Shannon and Janine are planning • The joy of having a new focus • Shannon's 20th anniversary as a life coach! • Our plan to talk about YNAB monthly in this podcast • The freedom of having clarity around your finances Visit the show notes at www.gettingtogoodenough.com for links!

Let's discuss the 6 top sinking funds I recommend for protecting your budget in 2023 and beyond!Savvy Budget Girl on YouTube:https://youtube.com/@savvybudgetgirlBuy me a coffee: https://www.buymeacoffee.com/savvybudgetgirl Visit my shop https://savvybudgetgirl.com You can also visit the Etsy shop! https://www.etsy.com/shop/SavvyBudgetGirlTV This video is NOT sponsored. Some product links are affiliate links, meaning if you buy something, we'll receive a small commission.

Heather Emerick's EFM journey is so much like that of Steph and I. She's had jobs on the local economy, volunteered, run her own business, consulted, contracted, and now works a WAE job at FSI itself.Her story is one of finding optimism where she didn't think she might, and a transformation from being a creature of habit and lover of a particular place to a person who loves the change in variety of life as a diplomatic accompanying partner. She can "Bloom Wherever She is Planted!"Heather Emerick is a budget coach and founder of DiploBudgets, a service for ex-pats who want to create a solid financial foundation to help them take advantage of the adventure of living overseas.As an EFM and mother of three, Heather knows that living overseas comes with tremendous benefits and myriad challenges- money stress shouldn't be one of them. In 2017, after feeling frustrated and never in control of their finances, Heather discovered YNAB (You Need a Budget), and after some hard work, everything fell into place.Using YNAB four principles, Heather and her family weathered an ordered departure, traveled during every tour, completed several moves, and bought a house in D.C. without worrying about finances. Through it all, Heather learned tips and tricks for making YNAB work with the ex-pat lifestyle. She's excited to share her experience with other DiploBudgeters!When she's not sharing her love of budgeting, she is an expert talent development consultant specializing in designing, creating, and facilitating engaging learning programs for clients, including Brown University, Dartmouth College, Conservation International, and Sunshower Learning. Heather also serves as an adjunct faculty member for the Foreign Service Institute, the training school for the U.S. Department of State, teaching courses in management and leadership.Find Diplobudgets at www.DiploBudgets.com

Stephen Capps has been there, after losing his wife to cancer and his largest customer all in a ten-month period. To say he was stressed out would have been an understatement; crashing and burning would be a more accurate picture. After years of struggle and making about every mistake, you can think of in business he learned his lessons mostly the hard way. If you're in a nose dive, get ready to Pull Up And Thrive.Stephen will give you the nuts and bolts of business, the exact things he did that took him from the brink of bankruptcy to debt-free thriving. Learn from the years of wisdom he brings to the mic on every episode of Pull Up And Thrive. Time Stamps :

She has a really sharp head for numbers! When you hear something like this, you probably don't imagine a radiant, gentle, and sophisticated woman whose refined elegance is just adorable. But I know someone who absolutely matches that description, and she is here with us today, willing to share her money tips and secrets. And after 15 years of experience in corporate finance, you bet she has a lot of them.She's a financial coach Amber Dugger, the founder of Profit For Keeps®. It's a system developed for online entrepreneurs to end the stress and anxiety around numbers. It is a holistic system combining personal finance and business cash flow strategies using Profit First and YNAB (You Need a Budget). Amber has helped hundreds of coaches implement this system and has helped thousands more calculate revenue goals that actually make sense! She is a certified health coach from IIN. Since 2015, she has worked on her own and thrived on being location-independent. Join us as Amber unpacks:✔️ the purpose of money✔️ the mechanics of money to serve your purpose✔️ how to use money to support you in practical and implementable waysLet's dive in!Key Takeaways:- Intro (00:00)- Who is Amber Dugger? (01:26)- Amber's biggest pet peeve in online business (02:39)- Profit for joy (07:16)- Money is for nurturing, not for safety (13:21)- How to make your businesses both profitable and sustainable (19:17)- How to allocate your budget (22:35)- How to connect with Amber + a valuable freebie (26:22)Additional resources:Join Amber's Community and sign up for her upcoming live masterclasses. Go grab Amber's amazing freebie Profitability and Revenue Calculator. Follow Amber on Youtube and Instagram. Book a free consult call with Team Prosperity and learn how to stay on track in your manifestation process.We hang out in the Success Without Struggle Facebook group. Join us and learn all the ways to achieve high levels of prosperity. Get the free Prosperity Guide and share your story in the Prosperity Experience Facebook group!I'd be so grateful and honored if you took the time to subscribe and leave a rating and review. Don't hesitate to get in touch: screenshot this episode and tag me on Instagram at @allysonchavez.

“And I believe that there will be a shift in consciousness in this coming year and beyond. And I think more people are going to be experiencing that through coming back to nature.” -Amber Dugger   Amber Dugger is the founder of Profit For Keeps, a system developed for online entrepreneurs to end the stress and anxiety around numbers.  It is a holistic system combining personal finance and business cash flow strategies using Profit First and YNAB (You Need a Budget).  She has helped hundreds of coaches implement this system and has helped thousands more calculate revenue goals that actually make sense! She is a certified health coach from IIN and worked in corporate finance for 15 years before venturing out on her own in 2015 and thrives on being location independent.  She loves traveling, wine, bicycles, knitting, and a good cup of tea (if in England) and coffee (if in Italy).  Sweet Life, Purposeful Money is a high-vibe community of virtual service-based entrepreneurs seeking a group to up-level their money game. Join in the fun here!    Your Key Takeaways Paradigms Around Money - Exploring common inner drivers and blocks Inner and Outer Purpose - Now nature connects to our purpose and who we are A Shift in Consciousness by Coming Back to Nature - A prediction for the upcoming year Being Present - Amber's three practices that you can incorporate into your life   Resources Website YouTube - Profit for Joy TV  Facebook Group - Sweet Life, Purposeful Money  Facebook Page Instagram Gift for listeners/participants - Free profitability and revenue calculator   Connect with Darren For more information on the Nature Advantage visit natureadvantageshow.com   Darren's Social Media Instagram Facebook LinkedIn   Can nature make you more distinctive in life and work? Check out Darren's TEDx talk HERE to find out.

“No matter what, my work day is always going to include being outside, being connected to nature, and really getting back to what I know we are all meant to be which is really enjoying that beautiful space.”- Amber Dugger   Amber Dugger is the founder of Profit For Keeps, a system developed for online entrepreneurs to end the stress and anxiety around numbers.  It is a holistic system combining personal finance and business cash flow strategies using Profit First and YNAB (You Need a Budget).  She has helped hundreds of coaches implement this system and has helped thousands more calculate revenue goals that actually make sense! She is a certified health coach from IIN and worked in corporate finance for 15 years before venturing out on her own in 2015 and thrives on being location independent.  She loves traveling, wine, bicycles, knitting, and a good cup of tea (if in England) and coffee (if in Italy).  Sweet Life, Purposeful Money is a high-vibe community of virtual service-based entrepreneurs seeking a group to up-level their money game. Join in the fun here!    Your Key Takeaways Amber's Entrepreneurial Journey - Leaving a cement-laden environment for a bamboo co-working environment Lessons in Bali - Amber's revelation that you can't escape yourself Exploring the Masculine and Feminine Side of Money - Finding a balanced mix to create abundance in business and your life Profit for Joy - How we can create our own paradigm around money and allow it to serve the greater impact of good   Resources Website YouTube - Profit for Joy TV  Facebook Group - Sweet Life, Purposeful Money  Facebook Page Instagram Gift for listeners/participants - Free profitability and revenue calculator   Connect with Darren For more information on the Nature Advantage visit natureadvantageshow.com   Darren's Social Media Instagram Facebook LinkedIn   Can nature make you more distinctive in life and work? Check out Darren's TEDx talk HERE to find out.

Back in 2020, Janine and Shannon had a robust conversation about our passion for the budgeting software You Need a Budget (YNAB). Our enthusiasm has not dimmed in the slightest, so we wanted to run it again. Money is a source of stress for so many people. One tool that both Janine and Shannon use to help them take the stress out of money and create financial peace is the software You Need a Budget (YNAB). Shannon is a YNAB master! In this episode we discuss YNAB and other strategies for creating financial peace. (And Shannon offers to help any listener  who needs help with YNAB!) Discussion topics include: • The key to Shannon's financial peace: YNAB (You Need a Budget) software • Rule 1 with YNAB: Give each dollar a job! • How YNAB can help you manage an irregular income by creating a buffer • Budgeting for next month's expenses • Shannon's addiction to interacting with her money every day in YNAB (it takes less than 15 minutes!) • Budgeting for annual expenses monthly to eliminate big surprise payments • How YNAB can help create peace in relationships when people share money • Reading a book about YNAB vs trying it out first • How Janine is pairing YNAB and Quickbooks to help her stay on top of her bookkeeping • The peace that comes with being on top of your money • Using Undebt.it to help with debt payoff • How YNAB can help with automatic credit card payments • Shannon's offer to help out anyone who's trying out YNAB in our Facebook group • A strategy for creating a buffer so that this month's income pays next month's expenses • Making money feel supportive rather than stressful Note: Since this was recorded two and a half years ago, Janine has achieved the financial peace she sought, thanks to YNAB. She is now debt-free and happily handles four budgets daily. She is grateful for YNAB (and Shannon's YNAB mentorship) literally every day. Visit the show notes at www.gettingtogoodenough.com for links!

My friend Risa & I chat about all the things you SHOULD spend money on for your wedding. Spoiler alert: your priorities are really the best way to determine what those things are ;) FREE DOWNLOAD: Setting Expectations GET THE WEDDING GUIDE: https://laura-anne.ca/the-wedding-guide Get a FREE MONTH of YNAB (You Need a Budget App) Want to see Risa's backyard wedding? Click here. CONTACT LAURA: https://laura-anne.ca/  

Learn how Walli Miller when from overspender to the first millionaire in her family! ******Grab your free Money Tracker today! ➡️ link http://trackingmycoins.com Walli's website: https://financiallythriving.com/Walli on IG: @financially_thrivingThis episode is NOT sponsored. Some product links are affiliate links which means if you buy something we'll receive a small commission. 

This week we're tackling a tough one: how to pay for your divorce. Resources mentioned in today's episode: Ramsey Solutions (ramseysolutions.com), Mint Budgeting (https://mint.intuit.com/canada), YNAB (You Need a Budget) (https://www.youneedabudget.com/). Send us a voicemail. www.speakpipe.com/divorcedanddone or an email to LawyersTalkingAboutDivorce@gmail.com We're a TOP 10 podcast as ranked by Feedspot, we recently ranked in the top 10 of the Best 25 Divorce Podcasts. Check it out https://blog.feedspot.com/divorce_podcasts/ Divorce lawyers Rob Woodward and Darren Schmidt help demystify the divorce process and get you on the path to becoming Divorced & Done. Find us online at DivorcedAndDone.com. We're also on TikTok: @familylaw_darrenschmidt and @robert_woodward

Learn the one way NOT to build your emergency fund, how to actually fund it, and where to stash it. ******Grab your free Money Tracker today! ➡️ link http://trackingmycoins.com This episode is NOT sponsored. Some product links are affiliate links which means if you buy something we'll receive a small commission. 

Get ready for this thought-provoking conversation that Roger & Amber have as they dive into the principles of money management and how we each view it. For example, consider this, what is the clarity that you really want and experience or do that isn't tied to money?  Think of it like “profit for joy”.  This can be accomplished when we reverse engineer our goals.  With this focus, we each can work with more purpose and intent. Money Blocks, have you heard of this before, and do you know what it means?  You should because it may be holding you back from the success you deserve. It stems from the idea that we need to understand money, how to manage it, and leverage it. Do we realize how much our relationship with money relates to our self-worth, Business investment vs. business expense?  This is a perspective you need to have personally and professionally. Is your time contaminated, and what does that mean to you? Regarding your clients, there are 3 questions every business owner needs to know with your help.  Pay attention and see what you can do to help answer them for your clients. In fact, what is the value the client finds in the services we offer, it perhaps is the core of what we are bringing to the relationship with our clients. So, remove the distractions, be present and enjoy this thoughtful conversation. Your Host: Roger Knecht, president of Universal Accounting Center Our Guest: Amber Dugger Amber Dugger is the founder of Profit For Keeps, a system developed for online entrepreneurs to end the stress and anxiety around numbers.  It is a holistic system combining personal finance and business cash flow strategies using Profit First and YNAB (You Need a Budget).  She has helped hundreds of coaches implement this system and has helped thousands more calculate revenue goals that actually make sense! She is a certified health coach from I.I.N. and worked in corporate finance for 15 years before venturing out on her own in 2015 and thrives on being location independent.  She loves traveling, wine, bicycles, knitting, and a good cup of tea (if in England) and coffee (if in Italy).  Sweet Life, Purposeful Money is a high vibe Facebook community of virtual service-based entrepreneurs seeking a group to up-level their money game. Join in the fun here! www.amberdugger.com/community Sponsors: Universal Accounting Center Helping accounting professionals confidently and competently offer quality accounting services to get paid what they are worth.   Offers: Amber is so kind to share with us all her FREE Profitability & Revenue calculator: https://amberdugger.com/calculator Also, this is a course you don't want to miss.  This is a class used with couples, newlyweds, couples and youth to introduce the principles of money management for individuals and households.  See what everyone is talking about with this FREE training to help you live debt-free.  Register now and in less than an hour, the path to financial freedom will be very clear.  Go HERE to get access to this Money Management 101 – Payday course today. Lastly, get a FREE copy of this book all accounting professionals should use to work on their business and become profitable as a Profit & Growth Expert for their clients.  This is a must-have addition to every accountant's library to provide to have the premier accounting business today: “Red to BLACK in 30 days – A small business accountant's guide to QUICK turnarounds” – the how-to-guide e-book for accounting professionals   For Additional FREE Resources for accounting professionals check out this collection HERE! Remember this, Accounting Success IS Universal. Listen to our next episode and be sure to subscribe. For more information on how you can apply these principles in your business please visit us at www.universalaccountingschool.com or call us at 8012653777

What do you crave? Well, whatever it is, the next time you crave it, there is something simple you can do that can make the craving pass quickly to help you avoid temptation. I begin this episode with this very easy tactic that has been proven to work. https://www.psychologytoday.com/us/blog/psyched/201104/clenching-your-fists-increases-willpower Would you say you are a cynical person? A cynic is someone who doesn't put much faith in the goodness of others. Many cynics say they are just realists - that people can't be trusted because humans are motivated by greed and self-interest. Well, when you look a little deeper, cynicism may not be such a great way to view humanity according to behavior scientist Jamil Zaki, PhD, who is an associate professor of psychology at Stanford University. He has a great TED Talk called Escaping the Cynicism Trap and he is also author of the book The War for Kindness (https://amzn.to/2qtq4dX) . Listen as he reveals why some of us are cynics and what being cynical does to a person.  Jamil was on an earlier episode talking about empathy which I think you will enjoy if you haven't heard it. You can listen to it here: https://www.somethingyoushouldknow.net/338-dirty-jobs-host-mike-rowe-offers-a-different-view-of-success-the-awesome-power-of-empathy/ It hopefully comes as a comfort that almost everyone has regrets about how they have handled their finances. So much so that a large number of us have actually shed tears over money mistakes. What's more important is what are you going to do now with your money? Joining me to discuss that and offer some very specific advice to get your financial house in order is Joe Saul-Sehy, a former financial planner who hosts the popular podcast called Stacking Benjamins https://www.stackingbenjamins.com/ and has a new book out called Stacked: Your Super Serious Guide to Modern Money Management (https://amzn.to/3KaBYO1). Joe mentions some financial apps in the episode. Here are the links: Qube Money: https://qubemoney.com/ Tiller: https://www.tillerhq.com/ YNAB (You Need a Budget): https://www.youneedabudget.com/ Some people claim they can tell if a storm is approaching because they feel pain in their joints. Can that be true or just an old wives tale? Listen to find out. Source: Paul Yeager author of Weather Whys (https://amzn.to/3fonYCj) PLEASE SUPPORT OUR SPONSORS! We really like The Jordan Harbinger Show! Check out https://jordanharbinger.com/start OR search for it on Apple Podcasts, Spotify or wherever you listen!  Truebill is the smartest way to manage your finances. The average person saves $720 per year with Truebill. Get started today at https://Truebill.com/SYSK Take control of your finances and start saving today! To see the all new Lexus NX and to discover everything it was designed to do for you, visit https://Lexus.com/NX Discover matches all the cash back you've earned at the end of your first year! Learn more at https://discover.com/match https://www.geico.com Bundle your policies and save! It's Geico easy! Learn more about your ad choices. Visit megaphone.fm/adchoices

Drew & D$ discuss how we can make Christmas special without breaking the bank. We discuss "Buy now pay later" programs and layaway. We also answer listener questions regarding, compensation, investing, debt, mortgages, and budgeting. Whats D$ Loving? YNAB - You Need a Budget Drew's stock pick: GRWG- GrowGeneration Corp.

We've all heard the term “new normal” being used to describe life as we move toward life after the pandemic. But what exactly does that mean for you? How ready are you to seize upcoming opportunities to thrive personally and professionally once the world reopens? Listen in as consultants Lauryn Williams, CFP®, CSLP®, and Dan Rooker, CFP®, CSLP®, do a deep dive into measuring your new financial normal, setting goals, and managing your relationships in a post-pandemic world. In today's episode, you'll find out... Why you should measure your new financial normal The free and paid tools to measure your finances Why Lauryn and Dan like YNAB (You Need a Budget) How to get the support of your friends and family How to fund a new small business The best way to measure your small business expenses The importance of setting career goals in the new normal How to accomplish goals while working from home Why now is a great time to explore new careers Why student loans don't have to dictate your career decisions How to travel during the pandemic Steps to unplug from your workplace when taking a vacation Ways to manage relationships today and post-pandemic   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Google Podcasts Leave an honest review on Apple Podcasts  Follow on Facebook, Twitter, or LinkedIn   Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan

On today's episode of the Spaprenuer® podcast, Ramona goes over the final excuse in her excuses series - no money. It is often the most used excuse because money is tied to so many things. It's an easy excuse to use and hide behind. Every business owner has had to use bootstraps and budgeting to get ahead. Don't let old attitudes about money stop you from getting to where you want to be. Topics Covered Most businesses start with little to no money Money is a finite resource Get money focused Money is a tool Every dollar that comes to you has to have a job Treat your business like a revenue-producing entity Investments in your business shouldn't be a vanity thing Stop putting up with nonsense from clients Invest in accounting education Align your revenue goal to your personal money goals You need a household budget - four walls and a dream life Invest in professional services that matter The CEO Schedule Resources Mentionedhttps://spapreneur.com/spapreneur-live-2021/ (Spapreneur Live - join us! ) https://spapreneurcoaching.as.me/gettingtoknowyou (Schedule a Call with Ramona! ) https://amberdugger.com/ (Amber Dugger - Ramona's favorite money expert) https://spapreneur.com/ep156/ (Emily King Episode of Spapreneur) https://www.amazon.com/Profit-First-Transform-Cash-Eating-Money-Making-ebook/dp/B01HCGYTH4/ref=sr_1_1?dchild=1&keywords=profit+first&qid=1629134990&sr=8-1 (Profit First - accounting education) https://www.amazon.com/Tapping-Into-Wealth-Emotional-Techniques-ebook/dp/B00D29CBIU/ref=sr_1_1?crid=366RX1SDHRRD&dchild=1&keywords=tapping+into+wealth&qid=1629134970&sprefix=tapping+into%2Caps%2C205&sr=8-1 (Tapping into Wealth - money blocks ) http://ynab.com/ (YNAB - You Need a Budget) Client Retention Tracker https://www.facebook.com/groups/spapreneur (Spapreneur Alliance Group )

Having and Investing Plan is CRUCIAL to your lifetime success. And it can run in the background. Before creating an investing Plan, we'll want to know the purpose of investing and the drivers of lifetime investor success. Then we can examine the Seven Steps of Creating an Investing Plan.The full episode can be found at:RetireMentorship.com/26View the long-term effects of your investing plan, get your accounts organized, calculate your net worth, and track your income and spending with RightCapital. Organize your financial files with OneDrive.Budget like a pro with YNAB (You Need a Budget). Need help finding an advisor to craft an Investment Plan? Search for or be matched with one at WiserAdvisor.com. Ask the the questions from Episode 5. And stay tuned to RetireMentorship for more info on finding a good one. Enjoying the show? Sponsor it by becoming a RetireMember. For the price of a Latte a Week or a Latte a Month you can show your support and keep the show ad-free.Become a Member for a Latte a Week ($16/m)Become a Member for a Latte a Month ($4/m)Your support means a lot! Find out more at RetireMembership.com.If you have questions about this topic, message us on Facebook or email us at Questions@RetireMentorship.com. Or you can call us at 1 (855) 6-MENTOR (1-855-663-6867) and leave us a message.

The first steps in creating financial plan are GO, Net, Flow. That is:1. Get Organized2. Net Worth3. Cash FlowThe full episode can be found at:RetireMentorship.com/25Get your accounts organized, calculate your net worth, and track your income and spending with RightCapital. Organize your financial files with OneDrive.Budget like a pro with YNAB (You Need a Budget). Need help finding an advisor to craft an Investment Plan? Search for or be matched with one at WiserAdvisor.com. Ask the the questions from Episode 5. And stay tuned to RetireMentorship for more info on finding a good one. Enjoying the show? Sponsor it by becoming a RetireMember. For the price of a Latte a Week or a Latte a Month you can show your support and keep the show ad-free.Become a Member for a Latte a Week ($16/m)Become a Member for a Latte a Month ($4/m)Your support means a lot! Find out more at RetireMembership.com.If you have questions about this topic, message us on Facebook or email us at Questions@RetireMentorship.com. Or you can call us at 1 (855) 6-MENTOR (1-855-663-6867) and leave us a message.

Jesse Mecham is the founder of YNAB (You Need a Budget). Referring to the business as “an education company that masquerades as a software company,” Jesse created YNAB as a guide to money and an accountability tool that helps its users improve their spending habits, eliminate debt, and save more money. Listen in as Jesse shares his path to success and lessons learned as an entrepreneur. We'll also talk about his advice on financial planning and buying a house in 2021, saving and building your wealth as parents, and becoming more confident in your spending overall. In today's episode, you'll find out: YNAB's mission and how its software helps improve your spending The most common questions and concerns people have around budgeting and cash flow in a post-pandemic world How to navigate the housing market as prices continue to rise YNAB's Four-Rule Method that transforms how you view and manage money How and when to give yourself permission to splurge on a big purchase, free of guilt Considerations around childcare costs   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Google Podcasts Leave an honest review on Apple Podcasts  Follow on Facebook, Twitter, or LinkedIn   Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan

Episode SummaryOf all the things that keep me up at night, money is #1. No joke.If you have stress about your finances (and you probably do), it’s time to put a real plan in place that can not only reduce your stress, but create real, tangible progress for decades to come.In this week’s episode of The 5 AM Miracle Podcast I speak with Jesse Mecham, founder of YNAB (You Need a Budget), about the 4 rules of successful budgeting, small habits with big impact, and his amazing morning routine. Episode Show Notesjeffsanders.com/387 Learn More About The 5 AM MiracleThe 5 AM Miracle Podcast Free Productivity Resources + Email Updates!Join The 5 AM Club! The 5 AM Miracle BookAudiobook, Paperback, and Kindle Connect on Social MediaFacebook Group • Instagram • Twitter • LinkedIn • YouTube About Jeff SandersRead Jeff’s Bio © Jeff Sanders Productions, LLC

Family finances. Not always the most fun topic, but something super important to know. Today we're sharing our finance journey as well as some tips on budgeting resources, how to budget out your money, what debt to pay off first, how much you should save, and maybe what you could do with the recent US stimulus package. We're definitely not perfect, but we've come a long way! We'd love to know your financial tips too. Come share you best tips with us on Instagram @alexistannerlane. This month's Sponsor is The Local Chow. Utah friends, do you love to bake? Have you ever thought about selling your baked goods? Now there’s a place! You don’t have to fight the Facebook marketplace to be seen or try to build a following on Instagram. You can start today on the Local Chow! Just download the app, upload your pictures, pick the times when people can pick up your food, and go! It’s simple! https://thelocalchow.com/ This week’s Product That Makes Parenting Stink Less is YNAB. If you're looking for a software to help you keep track of your finances, we love using YNAB (You Need a Budget). It imports all your transactions from any bank and card you use. It helps us know exactly where our money is going. Here's our referral link if you want to give it a try. Don't forget to follow us on Instagram! https://www.instagram.com/alexistannerlane We’d love to hear your comments on this episode! And if you liked the episode, leave us a review! Here's a simple explanation of how to leave a review on itunes: http://www.imore.com/how-rate-or-review-podcast-your-iphone-or-ipad Theme music by Dave Depper

Do you want to have a better money mindset?   Today’s episode is actually a replay of the number one training that we did for Biggie Size Your Biz Virtual Conference. Amber Dugger totally blew our minds about money mindset, and I knew that I had to share this on the podcast.   Amber Dugger is the founder of Profit For Keeps, a system developed for online entrepreneurs to end the stress and anxiety around numbers.  It is a holistic system combining personal finance and business cash flow strategies using Profit First and YNAB (You Need a Budget).  She has helped hundreds of coaches implement this system and has helped thousands more calculate revenue goals that actually make sense!    This training and Q&A is going to help you totally transform the way that you think about money, debt and expenses in your life and your business.    I believe that we need to normalize talking about money, especially as women.  The more we can talk about it, the more comfortable we become making it and the more impact we can have.   Tune in if you are ready to shift your mindset and feel empowered!   Full show notes available at www.servescalesoar.com/78   Additional Resources: Sign up for my free training >> How to Scale to Consistent 10K Months Without Hiring a Team Beta to Biggie Application Subscribe to the Podcast Follow Brandi on Instagram Follow Brandi on Facebook

There'll be good days in our lives when we think we can be big spenders - we allow ourselves to buy this, buy that, use a credit card for every purchase made, or make unplanned purchases. But sometimes life hits us hard and suddenly you're forced to take a step back and face a problematic situation such as huge debts or unemployment and you realize, you no longer have money to spend. This may be a scary situation but don't fret! You can still get out of this by listening to Jeese Mecham of You Need A Budget podcast. Jesse Mecham is a personal finance expert, speaker, and business leader, and founder of YNAB (You Need a Budget) and is deeply passionate about teaching individuals, families, and business owners YNAB’s Four Rules to help them gain total control of their money. 

In this episode, we're joined by Jesse Mecham. He is the founder and CEO of YNAB (You Need a Budget). His popular personal budgeting app is helping more than a million people gain control of their finances, get out of debt, and save more money. In this episode you'll learn: How to break the paycheck to paycheck mindset The importance of giving every dollar a job What you can discover by reviewing your spending habits The Four Rules of budgeting Why budgeting is not about restricting spending How a budget can lower stress and improve your marriage Why money doesn't buy happiness but it can buy some fun toys if you plan for them! Resources Check out YNAB

In this "best of" episode, Amber Dugger talks about how you can use the cash flow tool YNAB (You Need a Budget) to help your clients with their Profit First implementation! Amber also explains how using YNAB can bring clarity and awareness to your - and your clients' - finances. Note: This is a replay of Episode 134, which originally aired on 2/8/2018. Corporate Partners Nextiva - VOIP phone providers for small businesses and fully integrated CRM.  

Way back in Episode 13 of the podcast I did a review of an app from personal finance guru Dave Ramsey called EveryDollar. It is an app my wife and I have been using since then, and it’s great! But there are a lot of other apps out there that can help you keep your finances straight, and one of them might be better for you than EveryDollar. Which is why in this episode of the podcast I wanted to look at three other apps that might be more up your alley: Pocket Guard, YNAB (You Need a Budget), and Personal Capital. There are even more out there, and that could be the subject of another episode, but hopefully one of these will be just right for you! In this episode you will learn about: Three different personal finance apps of varying complexity and sophistication How to choose a good personal finance app

Today I'm speaking with Amber Dugger who is the founder of Profit For Keeps, a system developed for online entrepreneurs to end the stress and anxiety around numbers. It is a holistic system combining personal finance and business cash flow strategies using Profit First and YNAB (You Need a Budget). She has helped hundreds of coaches implement this system and has helped thousands more calculate revenue goals that actually make sense! She is a certified health coach from IIN and worked in corporate finance for 15 years before venturing out on her own in 2015 and thrives on being location independent.

A Rute é 100% Apple. A Ana é Android. Mas preferências à parte, ambas têm uma coisa em comum: adoram testar ferramentas e encontrar novas formas de serem mais eficientes. Neste episódio do Casa Trabalho Casa, falamos das ferramentas que não dispensamos e que usamos no dia-a-dia para simplificar tarefas, organizar o trabalho e a vida.Algumas das ferramentas mencionadas:YNAB - You Need a Budget (orçamento pessoal / familiar)Trello (gestão de projecto)Asana (gestão de projecto)Gqueues (organização de tarefas)Todoist (organização de tarefas)Dynalist (notas e apontamentos)

One of the reasons why most businesses are struggling is that they don’t have a business model that can achieve the revenue that is necessary to pay for the things they are desiring. In today's Better Wealth Episode, I had the pleasure of interviewing Amber Dugger, founder of Profit For Keeps.  Listen as she discusses her journey from corporate America to becoming a health coach to becoming a globally known finance coach. Amber and I dive into several different topics, ideas, and favorites. I ask Amber to share with us several efficiency hacks for obtaining greater cash flow, and she lists her 5 key principles for a profitable and sustainable business (Revenue Goal, Revenue Forecast, Personal Spending Plan, Plan to Achieve, and Develop Aged Money). Listen as she defines better wealth, she shares with me her top 4 books and I also spring on Amber a health question which she shares her special health tip that has changed her life.  #BETTERWEALTH Guest Bio:  Amber Dugger is the founder of Profit For Keeps, a system developed for online entrepreneurs to end the stress and anxiety around numbers.  It is a holistic system combining personal finance and business cash flow strategies using Profit First and YNAB (You Need a Budget).  She has helped hundreds of coaches implement this system and has helped thousands more calculate revenue goals that actually make sense!  She is a certified health coach from IIN and worked in corporate finance for 15 years before venturing out on her own in 2015 and thrives on being location independent.  She loves traveling, wine, bicycles, knitting, and a good cup of tea (if in England) and coffee (if in Italy).  Sweet Life, Purposeful Money is a high vibe community of virtual service-based entrepreneurs seeking a group to up-level their money game. Join in the fun here! (http://www.amberdugger.com/community) Website - (http://amberdugger.com/)   Amber's Social Media - Facebook Group Sweet Life, Purposeful Money (https://quaxel2.net/v1/t/c/b1ad1e65-0dab-76e2-8458-b2e4f5fa2d4c/gm%3Af485e6b4-f02c-48ea-b437-4e71556434a7/mariah%40betterwealth.com/?https%3A%2F%2Fwww.amberdugger.com%2Fcommunity=) -Instagram - (https://quaxel2.net/v1/t/c/b1ad1e65-0dab-76e2-8458-b2e4f5fa2d4c/gm%3Af485e6b4-f02c-48ea-b437-4e71556434a7/mariah%40betterwealth.com/?https%3A%2F%2Fwww.instagram.com%2Fprofit.with.amber=) -Facebook Page -https://www.facebook.com/profitwithamber/ (https://quaxel2.net/v1/t/c/b1ad1e65-0dab-76e2-8458-b2e4f5fa2d4c/gm%3Af485e6b4-f02c-48ea-b437-4e71556434a7/mariah%40betterwealth.com/?https%3A%2F%2Fwww.facebook.com%2Fprofitwithamber=)   Freebies for listeners - Free profitability and revenue calculator: (https://quaxel2.net/v1/t/c/b1ad1e65-0dab-76e2-8458-b2e4f5fa2d4c/gm%3Af485e6b4-f02c-48ea-b437-4e71556434a7/mariah%40betterwealth.com/?https%3A%2F%2Famberdugger.com%2Fcalculator=) Amber’s Favorite Books:  Psycho-Cybernetics by Maxwell Maltz (https://www.psycho-cybernetics.com/) The Big Leap by Gay Hendricks (https://www.goodreads.com/book/show/6391876-the-big-leap) The Soul of Money by Lynne Twist (https://soulofmoney.org/) Tapping Into Wealth by Margaret M. Lynch (https://tappingintowealth.com/book/) Mike Michalowicz - Profit First (https://mikemichalowicz.com/profit-first/) The best ways BetterWealth can serve you: Visit our Website - (https://betterwealth.com/) Take our Free Self Assessment & Schedule a Free Guided Assessment Check out BetterWealth University Get a Free Book “The AND Asset” (https://order.andasset.com/book) Work with us directly  Contact Us - (mailto:info@betterwealth.com)  Review, Subscribe and Share If you like what you hear please leave a review by clicking here (https://itunes.apple.com/us/podcast/better-wealth-with-caleb-guilliams/id1406521737?mt=2) Make sure you’re subscribed to the podcast so you get the latest episodes. Subscribe with Apple Podcasts...

Financial issues are one of the biggest causes of divorce. Not only do money problems make life stressful, they can lead to conflicts that can damage a marriage and destroy a family. But what if you could take a few, simple steps right now to totally change your money situation? Today, we talk about money and your marriage and how you can make budgeting decisions with your spouse easily and argument-free. Jesse Mecham is the creator of the YNAB (You Need a Budget) app. He is back on The Dad Edge to talk about how to approach the money discussion in a way that will stop friction and encourage intimacy. He outlines his 4 Money Rules to future-proof your finances and gives guidelines for trimming the fat on your expenses without feeling deprived. After listening to this show, you will feel confident about budgeting, prepared for the unexpected, and hopeful about your dreams for the future. For the show notes and exclusive links mentioned in this episode go to gooddadproject.com/278. Join the Dad Edge Facebook Group at gooddadproject.com/group. Apply for The Dad Edge Alliance at gooddadproject.com/alliance. Follow us on Instagram at @thedadedge!

Jesse Mecham is a founder, CEO, and Bestselling author of You Need a Budget, which is not only an award winning software and proven budgeting tool but also an education company  where they teach people a whole new way of thinking about their money so they make better financial decisions, get out of debt, and build the life they want. During this interview we cover: Why Your SaaS StartUp Need a Budget From Personal Finance Spreadsheets to One of The Best Budgeting Tools The 4 Budgeting Rules ( Personal finance and Business Owners ) Why solutions are squeezed out of scarcity Focusing the Product Usability and Intentionality as a Differential from Your Competitors The Importance of Making Better Hiring Decisions Why Never to Tell Your Users When to Expect a New Version Founders Affiliate and Partner To Early Jesse's Investment tips. Links and mentions: YNAB (You Need a Budget) Get in touch with Jesse: Jesse's LinkedIn Profile jesse@youneedabudget.com More about Akeel:

The money talk! If you have been following for awhile, you know how passionate we both are about women having control over their finances. This week we have financial expert, The Budgetnista, on to go through the details on what you can do today to make a difference and build financial confidence for tomorrow. Tiffany discusses strategies around speaking to your kids about money as well as talking through finances with your partner, especially if there have been disagreements in the past. With Covid-19 affecting so many households, she also goes into detail on where to make pivots on investing and budgeting in a hard market. Meet TheBudgetnistaFor more financial tips: TheBudgetnista.comHow to talk to your kids about money: MaliMore.comMint (budgeting app)YNAB (You Need a Budget app)Let’s connect!HERSELF INSTAGRAMMEET AMY MEET ABBY

“Profit is not an event. It's a habit.”  ― Mike Michalowicz   In this episode, Amber and I talk about: How to foster your relationship with money How to establish aged money Practical skills to help us get insight   Amber Dugger is the founder of Profit For Keeps, a system developed for online entrepreneurs to end the stress and anxiety around numbers. It is a holistic system combining personal finance and business cash flow strategies using Profit First and YNAB (You Need a Budget). She has helped hundreds of coaches implement this system and has helped thousands more calculate revenue goals that actually make sense! She is a certified health coach from IIN and worked in corporate finance for 15 years before venturing out on her own in 2015 and thrives on being location independent. She loves traveling, wine, bicycles, knitting and a good cup of tea (if in England) and coffee (if in Italy). Sweet Life, Purposeful Money is a high vibe community of virtual service based entrepreneurs seeking group to up-level their money game. Join in the fun here! www.amberdugger.com/community Find her on Instagram @profit.with.amber Continue the conversation on Instagram @heatherchauvin_ Ready for the next step? Apply here: www.heatherchauvin.com/letstalk Share your words with us, send your letters, stories and wisdom to podcast@heatherchauvin.com

If there is one thing many rental property investors often overlook, it’s broader financial planning. Fortunately, today’s guest candidly shares financial planning insight specifically geared toward rental property investors, or those looking to get into the rental game. Kit Lancaster is a war veteran, and the president of Sterling Edge Financial. Sterling Edge Financial is an investment management firm that provides customized financial planning, as well as investment and insurance strategies for business owners, families, and other professionals. In today’s episode, Kit not only shared his thoughts and perspectives on key topics related to financial planning, he also provided guidance and some helpful tools to ensure your financial planning is on the right track. Key Takeaways What financial planning is His take on rentals versus stock market investments Why it pays to diversify one’s portfolio The best strategy to start investing in real estate The pros and cons of investing in real estate through the stock market What he recommends to people when it comes to managing their assets Tools he recommends for personal financial planning and management What a cash strategy is What’s advantageous for those who invest in real estate in terms of legal structures What he recommends from an insurance standpoint Investments he’s most excited about His thoughts on financial planning What his personal and business goals are for 2020 How people can get in touch with him Links Living Off Rentals - www.livingoffrentals.com Sterling Edge Financial - https://www.sterlingedgefinancial.com Kit Lancaster Linkedin - https://www.linkedin.com/in/kitlancaster Erie Insurance - https://www.erieinsurance.com Amazon - https://www.amazon.com Money Guide Pro - https://www.moneyguidepro.com/ifa/ eMoney - https://emoneyadvisor.com EveryDollar Budgeting App - https://www.everydollar.com RightCapital - https://www.rightcapital.com YNAB (You Need a Budget) - https://www.youneedabudget.com Robinhood - https://robinhood.com Dave Ramsey - https://www.daveramsey.com Principles: Life and Work by Ray Dalio - https://www.amazon.com/Principles-Life-Work-Ray-Dalio/dp/1501124021 Principles for Navigating Big Debt Crises by Ray Dalio - https://www.goodreads.com/book/show/41317431-big-debt-crises Financial Independence Retire Early (FIRE) - https://www.investopedia.com/terms/f/financial-independence-retire-early-fire.asp

Money is a source of stress for so many people. One tool that both Janine and Shannon use to help them take the stress out of money and create financial peace is the software You Need a Budget (YNAB). Shannon is a YNAB master! In this episode we discuss YNAB and other strategies for creating financial peace. (And Shannon offers to help any listener  who needs help with YNAB!) Discussion topics include: • The key to Shannon’s financial peace: YNAB (You Need a Budget) software • Rule 1 with YNAB: Give each dollar a job! • How YNAB can help you manage an irregular income by creating a buffer • Budgeting for next month’s expenses • Shannon’s addiction to interacting with her money every day in YNAB (it takes less than 15 minutes!) • Budgeting for annual expenses monthly to eliminate big surprise payments • How YNAB can help create peace in relationships when people share money • Reading a book about YNAB vs trying it out first • How Janine is pairing YNAB and Quickbooks to help her stay on top of her bookkeeping • The peace that comes with being on top of your money • Using Undebt.it to help with debt payoff • How YNAB can help with automatic credit card payments • Shannon’s offer to help out anyone who’s trying out YNAB in our Facebook group • A strategy for creating a buffer so that this month’s income pays next month’s expenses • Making money feel supportive rather than stressful See the show notes at www.gettingtogoodenough.com for links.

Behind the scenes of my simple and practical new financial freedom plan to help me create the life I want. Today is about taking action and control of your finances so you can create the life you want. The motivation or my why for taking action on my finances. The two books that helped me build the framework and key takeaways from each. My new plan along with the tools I am using to put my financial plan on auto-pilot. Part 1: Why am I taking action on my finances? I turn 50 in November Reduce stress and self-doubt Financial Freedom Peace of Mind Control & Clarity Always Moving Forward Opportunity to Advance Part 2: The 2 Books that led me to action I Will Teach You To Be Rich by Ramit Sethi (Buy on Amazon) The Latte Factor by David Bach (Buy on Amazon)   I Will Teach You To Be Rich  By Ramit Sethi 1st Edition: My biggest takeaway from the 1st edition was setting up online banks for automating your finances. Set it and forget it. Deposit your paycheck in a checking account and have set amounts go to bills, savings, and investments automatically. 2st Edition: I ordered the audiobook from Audible immediately and listened to it non-stop for 2 days. This book is a crash course in the fundamentals of investing and also very tactical in that he gives step by step advice along with specific recommendations for investments and online banks. I Will Teach You To Be Rich caused me to take action 10 years ago and it had the same effect on me the 2nd time around because the message throughout the book is taking the time to do this now will help you create the life you want. This book will teach you exactly what to invest in, how to set up online banking so your savings and investing are automatic, and what it means to live a rich life. It’s not about the money, it’s about intentional living and purpose. The Latte Factor by David Bach Podcast Mentioned: The James Altucher Show I also listened to The Latte Factor on Audible from start to finish. The Latte Factor is story about a girl named Zoey who is a twenty-something working and living the dream in NYC and is buried under student loans, debt, and living paycheck to paycheck just trying to make ends meet. Not an unfamiliar story for many. The thought of savings and investing are the furthest thing from her mind as she can barely afford rent. This is a story many of us have experienced and it can be a vicious cycle of financial stress and worry working hard just to pay debts and eek by without being able to put any money aside for travel or savings or retirement. Zoey meets a wise old man who changes her perspective and teaches her many valuable money and life lessons such as the power of compounding interest and one of the the most important lessons of this book and my biggest takeaway from the book is Pay yourself first. **Pay Yourself First: ** You take the first hour of every working day and put that in your savings or investment account. Example: You work 8 hours per day You take your hourly rate for 1 hour out of the 8 hours You put the first hour of payin your savings or investment account. You can multiply this 1 hour by the number of days you work or multiply by 7 for a full week. Bonus Math Tip: To get the hourly rate from any annual salary: Divide the salary by 2 and that is the hourly rate. If you make 50,000 per year. 50,000/2 is 25,000 $25/hour If you make 75,000 per year. 75,000/2 is 37,500 $37.50/hour If you make 100,000 per year. 100,000/2 is 50,000 $50.00/hour Pay Yourself First Example (First Hour) You make $50,000 per year which is $25/hour pre-taxes. Save 1 hour per working day that is $25 x 5 days = $125 $125 week x 4 weeks = $450 per month by paying yourself the 1st hour of every day. Use this as a benchmark. Takeways: Pay yourself first Treat savings like an expense each month and you will be paying your self first. Prioritize. Part 3: The Plan & Tools I figured out my savings goal by using The Latte Factors pay yourself first. I took my salary and divided it by 2 to get my hourly rate and then I multiplied that by 7 and rounded up to get my the total I wanted to save each month. This total will fund my 401k, Roth, and my multiple savings buckets that I want to save for. Here are the specifics of my plan: Vanguard Funds (highly recommend) I moved my existing mutual fund and Roth IRA to Vanguard Funds Tip: Look up expense ratios. They matter. A lot. Ally Bank (highly recommend) I set up a new online banking account at Ally Bank and added multiple savings accounts that included a regular savings fund, Vacation Fund & Emergency Fund and connected my checking account so I could make recurring deposits automatically as soon as my paychecks get deposited. Auto-pilot. Personal Capital is a money manager like Mint. You add every financial account you have including credit cards, Paypal, checking, savings, 401K, Roths etc and it magically organizes and gives you a real-time snapshot of everything. YNAB (You Need a Budget) is a popular budgeting tool that I am trying to adopt in my system. It is $80/year. It has steep learning curve. Pay myself first I connected my checking account to my Roth IRA and set up a recurring deposit of $100 per month as soon as my paycheck is deposited. Here is my plan in action: I get a paycheck Money is automatically deposited in my 401K. The rest of my paycheck goes to my checking account. My checking account sends money to Vanguard that contributes to my Roth IRA. My checking account sends money to Ally Bank with multiple savings accounts and emergency fund, etc. Personal Capital is an iOS and web app that organizes all of my accounts YNAB (You need a budget) makes sure I am prioritize and track my spending. Pay myself first and then I pay my rent and bills and whatever is left is mine to enjoy life with. And if you work multiple side hustles like myself, pump as much as you can into your system and let it grow.

After an Author Life Update, Valerie talks about the steps to take leading up to your book launch.   Show Notes: Hello Indie Authors! This is Episode 15, and it's 6/12//2019 as I record this. Today I'm talking about steps leading up to Book Launch. But first Author Life segment: Finished editing another chapter in my How to Write a Novel or Memoir book. Been looking at tile and cabinet catalogs online for the new house. Got our couch! It's beautiful. I'm struggling with getting all the things done. I'm trying to focus more on work times instead of deadlines for my personal work, but my day job (the client work) really vies for space in my schedule and it always feels like something is lacking. I'm good at Positivity and planning for the future and looking forward to where my hard work right now will take me, but sometimes I feel a little scattered. Perhaps I'm just struggling with process. Parenting Fail: I just heard that my son is giving his senior review presentation today at 4 (while I'm getting a pedicure)(headsmack) In my only defense, today's presentation was rescheduled from a previous time that I was available for. Author self-care: Do it. I'll have another episode solely on this topic next season, but for now, I just want to say that the older I get, the more I realize that self-care isn't just a luxury. It really is mandatory for my health, well-being, and productivity. It's no joke anymore. I'M READING: In fiction, White is for Witching. Don't know if I like it yet. Non-fiction: YNAB (You Need a Budget) Went to an editors luncheon and had a few lovely conversations with old colleagues, and new. Had a conversation about audiobooks. That is definitely on the horizon for me. I'm shooting for 2020. In doing the homework for Sweet Spot Strategy, I stumbled upon a cool cool idea for an author service that I'd love to shout to the rooftops, but I won't. It's too new and underdeveloped. Just like not sharing story ideas too soon. I have a couple of editing jobs I'm trying to finish up before I go on vacation on the 22nd. My husband had a birthday on Monday and we celebrated it over the weekend. "I love having birthday weekends," he says. (Aww!) No NEW PATRONS this week, but I hope you'll consider becoming a patron and helping me reach my FIRST Patreon goal. To earn $125 in monthly income from Patreon. When that happens...extra bonus Q&A episode for Patrons only.  Think of it as an inexpensive mini coaching session with me! Patreon.com/valerieihsan.  Resources: Check out two blog articles on the Mailchimp changes. Davidgaughran.com and writtenwordmedia.com.   Main topic: Book launching, (using slide deck)

We are joined by Amber Dugger, founder of Profit For Keeps, a system developed for online entrepreneurs to end the stress and anxiety around numbers.  It is a holistic system combining personal finance and business cash flow strategies using Profit First and YNAB (You Need a Budget).  She has helped hundreds of coaches implement this system and has helped thousands more calculate revenue goals that actually make sense!

If you’re thinking of buying a home or investing in real estate, I have five apps to tell you about that will help you set your budget. Whether you’re looking to buy a home or invest in real estate and build your nest egg, you need to budget your finances. Here are five great apps that will help you develop the a budgeting strategy: 1. Mint.com. This app takes all your financial accounts and expenses and categorizes them to ensure that you don’t overspend. 2. PocketGuard. This is another app that prevents you from overspending.  3. YNAB (You Need a Budget). This app allows you to assign every dollar to a specific job so you can zero-base the account through which your money comes in and goes out every single month.  4. Wally. The great thing about this app is it deals in foreign currency. It also tracks your income expenses and gives you a periodic snapshot of your budget.  5. Mvelopes. If you’re the kind of person who prefers to put cash in envelopes in order to budget for certain tasks, this app lets you do the same thing, only digitally. “These apps will help you develop a budgeting strategy.” Bonus app: Personal Capital. This app is specifically for investors. It’s great for general budgeting, but it also allows you to underwrite deals for particular properties.  In addition to these apps, we have a great pro forma you can use if you want to underwrite rental properties with a “hold” or “flip” strategy. With this pro forma, you’ll get cap rates, rates of returns, ROIs, etc. If you’re interested in getting it, get in touch with me and I’d be happy to send it to you.  Budgeting is one of my favorite topics, so if you have any more questions about these apps or you want to set a budget for a future home purchase, don’t hesitate to call or email me. I look forward to speaking with you.

In this episode of the Future Focused Podcast I answer a listener's question, "Should I focus on a side hustle, or a budget?" and I elaborate on last episode's "What Everybody Needs to Know About Money But is Afraid to Ask." I am recording a few episodes just on finances and our lives to help people get control of their lives. Being Future Focused includes your finances. There are many take-aways from this episode for everyone in life, regardless of where you are at financially. Most people don't have an earning problem, they have a spending problem. For others, just a few extra dollars each month that could make a noticeable impact on those they love.  There are others who will listen this podcast and run with it so hard that they will take their life to an entirely different level. I hope this episode empowers you and helps you improve your life and the lives of those you love. I wish this was taught in schools and I wish someone had taught it to me when I was younger. This information works! Mentioned in this Podcast & Additional Resources:  YNAB: You Need a Budget: a book/guide written by Jesse Meecham that I highly recommend. It's a quick, but important read. The proven system for breaking the paycheck to paycheck cycle, getting out of debt, and living the life you want. Grab this book now. The Side Hustle School: If you are thinking of starting a side-hustle, you have to check out the work, blog and podcast of Chris Guillebeau. He is brilliant. I would love to interview Chris for both my Future Focused Podcast and my Wired Educator Podcast. Smart Passive Income by Pat Flynn. Pat has taught me so much, and he is a must-listen for all my readers and listeners. Pat did an interview with me on my Wired Educator Podcast Episode 079. Listen to my interview with Pat, and more importantly, subscribe to Pat's podcast. You will thank me. Side Hustle: From Idea to Income in 27 Days: This book is written by Chris Cuillebeau. It's a winning system to making some extra money and so much more. Don't just order it. Don't just read it. Apply it. Grab your copy here.   ————————————————————— Kelly Croy is a speaker, author, and educator. Kelly’s book, Along Came a Leader, that delves deeper into six core leadership elements. •  Follow Kelly Croy on Facebook.   •   Follow Kelly Croy on Twitter.   •   Follow Kelly Croy on Instagram  Do you need a speaker for your event? Please consider the art and words of Kelly Croy. 

Do you wince when you hear the word budget? It's about as painful as the words diet or jail, but if you don't budget for your goals now, you will never be able to enjoy life to the fullest and neither will your family. The majority of families are living paycheck to paycheck. Minor emergencies quickly send most people into debt. It's no wonder that money issues are the number one cause of divorce. Jesse Mecham is our guest today. He is the founder of YNAB (You Need a Budget) and is here to share his no-nonsense takeaways that will help you effortlessly budget money for everything you need and want in life. This show will outline the easy and effective way to budget for your goals so that you can live with less stress and make the most of the money your work so hard for. For the show notes, links, and exclusive offers mentioned in this episode, go to gooddadproject.com/171.

How the heck do you teach teens to budget their money? Eighteen year old Jason Esguerra is a budgeting enthusiast who Gretchen first met in a Facebook group for YNAB (You Need a Budget), a unique budgeting software that has ... Read More » The post 170: Wise Budgeting Advice from a Teenager appeared first on The College Prep Podcast.

Did you know that debt is optional? In this episode of CBN News Money Wise we dive back into our conversation on the cost of higher education--but this time with less doom and gloom. We're having a hope-filled conversation with Rapper Dee-1 and Jesse Mecham, the host of the YNAB (You Need a Budget) Podcast. Dee-1 and Mecham share ways that students can get that education they need, while avoiding Sallie Mae!

Hi there folks! This is the final chapter in our two part "mini-series" on budgets. Be sure to check out "Budgets...What's in a Name?" if you want some more insights into creating a budget best suited for you and your lifestyle.  Our podcast content is "filmed" in front of a live "studio" audience.  You may be (briefly) fooled into thinking that this audible chocolate was recorded in a studio. Alas, although oftentimes the vocals are clear, there will be evidence that our experts are recorded live at the events (with background noise to prove it). This episode features five Financial Planners, all sharing tips and tricks you can use to stay on budget and tools that will help you along the way: 1:42 - Chris Baum, Palermo Wealth Management Saving for a cash reserve Saving for priorities (vacation, gifts, debt reduction, retirement) Snowball approach for paying off debt (Dave Ramsey - Debt Snowball Method) (Dave Ramsey) Envelope System + Modified Envelope System! 7:42 - Megan Poore, Lucien Stirling and Gray Advisory Group Accountability (to spreadsheets OR people!) Recent study on motivation and what keeps folks accountable (for whatever priority they set for themselves) 10:13 - Philip Olson, The Art of Finance  Psychology of giving - save first and give generously One month ahead goal Baby steps to weather a financial storm: create your emergency fund from your one month ahead goal, pay off debt smallest to largest, then save more in the emergency fund YNAB (You Need a Budget) Live on last month's income philosophy 15:24 - Sophia Bera, Gen Y Planning Find the tracking system that works for you! App, spreadsheet, whatever works best Mint.com (great for understanding past transactions) Weekly spends versus monthly budget Keith Powell, Austin Divorce Planners Mint.com (create spending limits) True Bill OR Trim for monitoring subscriptions on credit card statements Alas, we must now bid adieu to budgets. We hope you enjoy the many tips and tricks nestled into this episode about how to prioritize your spending so that it works for you. We still have a few more episodes featuring insights from these Financial Planners on savings, retirement and being a creative entrepreneur. We can't wait to share them with you. If you like what you hear or want to give us some feedback, please leave a comment. Thank you! Ashland Viscosi, Creatives Meet Business   About Creatives Meet Business: Creatives Meet Business is an event series based out of Austin, Texas for creatives of ALL disciplines to no longer think of themselves just as "artists" and "creatives" but also as "small business owners" and "entrepreneurs."     

Managing finances can be stressful and difficult, often causing tension between spouses. In this episode, we talk about a personal budget software called YNAB (You Need a Budget) and the four rules they teach their users to "Gain Control of Your Money". We also discuss our personal experience with budgeting along the way. Learn more about the rules and the software at youneedabudget.com