Podcasts about your debt

Which has destroyed the lives of more Americans: Iran and Russia, or our domestic credit card companies? Dave Ramsey on the real threat we face, which is debt slavery. Dave Ramsey is the founder and CEO of the company Ramsey Solutions, where he's helped people take control of their money and their lives since 1992. He's also an eight-time national bestselling author, personal finance expert and host of The Ramsey Show. After battling his way out of bankruptcy and millions of dollars of debt, Dave set out to change the toxic money culture for good—making it his company's mission to provide biblically based, commonsense education and empowerment that give HOPE to everyone in every walk of life. Learn more here: https://ter.li/xy2fik (00:00) How Banks Exploit You With Debt (09:11) How Cash Changes Your Psychology (21:58) Why Our Leaders Oppress the Poor (30:49) The Unknown Side Effects of Debt (38:14) Dave's Proven Successful Plan to Pay off Your Debt (59:01) The Student Loan Forgiveness Scam (1:12:03) Dave's Key to a Successful Marriage (1:23:29) The Key to Building Wealth Paid partnerships with: Eight Sleep Get $350 off the Pod 4 Ultra https://EightSleep.com/Tucker PureTalk https://PureTalk.com/Tucker Get 50% off first month Meriwether Farms https://MeriwetherFarms.com/Tucker Use promo code “TCN10” to save Learn more about your ad choices. Visit megaphone.fm/adchoices

In this week's podcast episode we are talking all about REALISTIC ways to approach your debt payoff journey. There are a million and one ways to tackle your debt, but we are breaking down a few of our favorite things to keep in mind to make sure that you are being realistic with your goals. We want to make sure you are sustainably paying off your debt and this episode gives you exactly what you need to do that!    In this episode, we chat about: Realistic ways to approach your debt payoff journey  Why you need an emergency fund  Rolling through a difficult season of life    MENTIONED IN THIS EPISODE: Episode 174: How to Pay off Your Debt in a Strategic Way That Is Best for Your Financial Situation Carly Hill from Debt Free Mom  Rachel Duncan from Money Healing Club   ABOUT PRICE OF AVOCADO TOAST: Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple.  They want to normalize conversations about money and learn from others on the path towards financial empowerment. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU!  Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget! FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE: priceofavocadotoast.com Price of Avocado Toast Instagram Price of Avocado Toast Twitter Price of Avocado Toast Threads Price of Avocado Toast on TikTok Price of Avocado Toast Facebook Join the Price of Avocado Toast Newsletter OTHER LINKS: Apply for 1:1 Coaching With Haley & Justin Schedule a Budget Builder call with Haley & Justin Price of Avocado Toast customizable 12 month budgeting template   RECOGNITION: Audio engineer: Garrett Davis Podcast Support: Weir Digital Marketing  

According to a 2021 study, conducted by Ramsey Solutions, 41% of couples in the US argue about money, primarily due to the amount of debt they owe. If this sounds like your situation, and you want to know how to reach common financial ground with your partner, and qualify to win a $100 VISA gift card don't miss this episode.  Links:  Learn more about our Valentine's podcast giveaway and how to enter to win a $100 VISA gift card. Contest runs from February 14 - February 24, 2023.  Watch our Budgeting 101 webinar Watch our Financial Freedom: Your Path to Debt Free Living webinar Visit triangleuniversity.org to watch webinars, read articles and access financial tools and resources.  Transcript:  This is Money Tip Tuesday from the Making Money Personal Podcast.  Hi everyone! On today's Money Tip Tuesday, we're going to give you some practical advice on how to find common financial ground with your favorite person, but before we start, there's a special announcement for this episode. Since we're releasing this Money Tip on February 14, 2023 (Valentine's Day), we are giving a $100 Triangle Visa gift card to a lucky listener. To qualify, you must be a subscriber to the Making Money Personal podcast and send us an email to tcupodcast@trianglecu.org with a pic of your subscription screen and the promo code. That's it. I'll share that info again at the end of this show. For now, let's talk about that grueling statistic that 41% of couples argue about money in the US, primarily because of debt. Personally, I think that number seems incredibly low but even if that were true, every couple is different—if you argue about money, than here is some tips to help curb those money arguments:  Be Calm & Communicate. – Let's imagine this month is really tight and you just found a receipt for an unexpected purchase on your kitchen counter. How do you handle this situation? Well, I try to put myself into work mode and ask myself: how would I talk to my co-worker about an unexpected matter? I know our work culture fosters an environment of professionalism and respect, so try to apply those same principals at home. Approach your partner about the unexpected expense situation with kindness and respect. Be calm. It's fair to ask some questions about the purchase to dig a little deeper but use a respectful tone. Also ask yourself: was there communication earlier in the month about how tight it was going to be? If not, you may have just uncovered a deeper problem than the latest purchase—you may have discovered a communication problem.   As a couple, if you haven't discussed financial matters before, it's not too late. Just set the right mood, which means you may want to schedule some time with your partner for this, have the right (respectful tone) and talk about money and life. Start a 50,000 foot conversation about financial beliefs and goals and then take it down to 15,000 feet with the specific questions about where you want to live, your job, how can you reduce your cable or streaming services (insert laughter), and other monthly expenses, which leads us to our next tip.  Make a Budget & Share Money Responsibilities – According to a Stress in America survey, only 33% of survey respondents said both partners share an equal role in financial decision-making; only 23% reported that management of household finances is shared equally.  This brings us to your first money responsibility as a couple:  create a monthly budget…together! When couples create a budget, there is weigh in and buy-in…and in the budget process, you're communicating about how much money you have this month, and how it will be spent. If you're new to budgeting, we recommend a zero-based budget and have online tools to explain how this budget works. Sometimes when couples budget, they realize it's not their spending that's the problem, it's their income. Decisions may need to be made about future income opportunities, education and/or if second jobs are needed. These can be very tough discussions but when your problem-solving as a couple, you'll come out ahead every time because you'll be working together.  Pay off Your Debt. – Debt can be stressful, and this is truly one of the main reasons couples argue about money. Just like a budget, it's important to be on the same page for paying off your debt. There is nothing more frustrating than being in a relationship where one person is focusing on paying off debt, and the other person is racking up debt. This breeds frustration and resentment. The most common way to tackle your debt, is the snowball method. We have online tools to show you how to tackle and destroy your debt, so please check those out on our YouTube channel through triangleuniversity.org.   No secrets. – Keeping a secret is stressful enough. Imagine if the secret came with dollar signs. Do yourself a favor and don't hide your money problems from your partner. If you've messed up and racked up credit card debt, it's time to pull up your big person britches and talk about your situation. Strong couples fight problems together. Yes, there may be some struggles and challenges, but put your heads together to find a resolution, and work together to win!  Discuss Dreams. – Far too often couples get in the weeds with their monthly budget and forget to discuss their dreams. Most financial conversations are centered around what needs to be paid this month. Where is the money coming from? Do we have enough for a latte? A thousand scenarios to work out, but put a tack in all those questions and take time just to plan for what your future selves will look like: Where are you going to live? What will you be doing for work? What do you want to do for work? Do you want to travel or are there special hobbies you want to explore?  When my husband and I discussed our dreams for retirement a couple of years ago, he was all about wood working and fishing. Neither of those two things really appealed to me, but the more I thought about it, I was like, “I don't really care about fishing, but I do like to boat” so now we have a common goal to buy a boat within the next few years.  That wraps up our tips for finding financial common ground for couples—I hope you found the key takeaway to be communicate, communicate, communicate.  Now for the fun stuff. I promised to share the promo code for our $100 Triangle VISA gift card raffle, so get ready here it is: P******3 . This is all one word.  Just a reminder on how to enter: you have to be a subscriber to the Making Money Personal podcast and send us an email to tcupodcast@trianglecu.org  with a pic of your subscribe screen and the promo code. That's it. This contest runs February 14th – February 24th 2023 at midnight so make sure you send us your email by the February 24th. For official contest rules, visit Trianglecu.org.  If you have any comments or ideas for additional tips, please email us at tcupodcast@TriangleCU.org. Be sure to follow the Making Money Personal podcast page on Facebook and IG for more great content.  Thank you to our sponsor, Triangle Credit Union, and to you for tuning in!   Have a wonderful day everyone! 

Your Debt to Income Ratio is a way to measure how much debt you have compared to how much income you earn. It helps you understand if you are spending more money than you can afford. Here's an example: Let us say you make $100 a week and have $50 of debt. Your Debt to Income Ratio would be 50%. Having a low Debt to Income Ratio is crucial because it means you are not spending too much on debt payments and have more money to save and spend on things you want. Ideally, you want your Debt to Income Ratio to be less than 36%. Before we share some examples of how you can avoid spending too much money and keep your Debt to Income Ratio low: Let us introduce our mind reset quote: If we command our wealth, we shall be rich and free. If our wealth commands us, we are poor indeed." –Edmund Burke. Here are four easy-to-follow examples you can implement today to increase your income and lower debt. Make a budget: By making a budget, you can see where your money is going and make sure you're not spending too much on unnecessary things. Avoid impulse buying: Ask yourself if you need it before buying something. You are waiting a day or two before purchasing can help you avoid impulse buying. Save money: Putting some of your money into a savings account can help you avoid borrowing money and getting into debt. Avoid using credit cards: Credit cards can be tempting, but they can also lead to a lot of debt. So it's best to avoid using them and pay for things with cash or a debit card instead. In addition to these practical tips, reading books on personal finance and budgeting can help you learn how to manage your money wisely. YOU ARE A MIRACLE. LIVE LIFE ON PURPOSE!

On this week's 51%, we speak with filmmaker Tracy Heather Strain about her new PBS documentary Zora Neale Hurston: Claiming a Space. Best remembered for her 1937 novel Their Eyes Were Watching God, Hurston's extensive anthropological research on her own people in the American South, as well as rural Black people in the Caribbean, challenged assumptions about race in the late 19th Century, and established Hurston as an expert on Black folklore. Our associate producer, Jody Cowan, also speaks with ceramicist Kelli Rae Adams about her ongoing installation analyzing student loan debt at the Massachusetts Museum of Contemporary Art, titled “Forever in Your Debt.”. Guests: Tracy Heather Strain, director of Zora Neale Hurston: Claiming a Space; Kelli Rae Adams, artist behind “Forever In Your Debt,” on view now at the Massachusetts Museum of Contemporary Art 51% is a national production of WAMC Northeast Public Radio. It's produced and hosted by Jesse King. Our associate producer is Jody Cowan, our executive producer is Dr. Alan Chartock, and our theme is “Lolita” by the Albany-based artist Girl Blue.

Today's show will have two parts: since we're in the middle of Hanukkah and Christmas is coming soon we'll discuss “Holiday Spending Without Adding to Your Debt”. Then we'll move on to “Tips for Paying Down Holiday Debt”. Money Talks welcomes back Bruce McClary, a Senior Vice President at National Foundation for Credit Counseling. Our resident experts are also on hand for personal finance questions. https://www.nfcc.org/https://www.nfcc.org/blog/holiday-spending-without-adding-to-your-debt/https://www.nfcc.org/blog/3-tips-for-paying-down-holiday-debt/Bruce spoke with us about Pandemic Student Loans on March 9th of 2021 http://moneytalks.mpbonline.org/episodes/money-talks-pandemic-student-loans and Credit Counseling on May 12th of 2020 http://moneytalks.mpbonline.org/episodes/money-talks-credit-counselingHoliday debt is a problem for many Mississippians. Money Talks has discussed this topic two other times: June 29th of 2021 http://moneytalks.mpbonline.org/episodes/money-talks-avoiding-holiday-debt and October 8th of 2019 http://moneytalks.mpbonline.org/episodes/money-talks-holiday-debt.From a February survey by money geek dot com - More than one-quarter of Americans regret their level of holiday spending; most wished they'd spent less, but some regret not spending more.Credit cards were the payment method of choice, with 65% of holiday spending paid for with credit cards. The more credit cards someone had, the more of their spending they financed with credit.By February 11, 2022, 40% of Americans had not paid off their 2021 holiday debt.https://www.moneygeek.com/credit-cards/analysis/2022-holiday-debt/ Hosted on Acast. See acast.com/privacy for more information.

Show Summary:“If you don't know where you've come from, you don't know where you are going.”  These are the words of Maya Angelou and the theme of our show today.  The Fat & Broke Podcast turns 1, so we are taking some time to reflect on our favorite moments, summarize what we and you should have learned over the past year, and look forward to what is coming next.  Welcome to the Fat & Broke Birthday Show!Leave A Voice Memo | Review The Show | Follow | Subscribe | NewsletterFun Facts:Total Shows: 122Hours Spent Making The Show: 1045Recorded Hours/Minutes: 104.9Money Made: $0Downloads: 24,000Fights: Many Between Sarah & GaryFamily Members That Hate Gary: A LotMost Listened To Episode: 106 | Dr. Brian DiGiovanni | Raising Kids In The Age Of TechnologyInterviews: 14Shows Referenced:007 | It's Your Debt, Pay It | Overcoming the Victim Mindset011 | Our Pillars Of Fulfillment021 | DIY Your Favorite Food | Benefits of Cooking & Eating at Home | Tips & Favorite Dishes044 | Win or Fail Mastermind Group | True Values, Folly Beach, & Lazy Sarah055 | Why & How We Get Fat | The Fat and Broke Weight Management Model092 | The Blue Zones | How To Live Forever | Secrets To A Long And Happy Life102 | Friends Of The Library | How The Local Library Can Help On Your Journey To "Better Every Day."106 | Dr. Brian DiGiovanni | Raising Kids In The Age Of Technology108 | Estate Attorney Emily Spector | TRUST Us, You WILL Love This Show About Wills, Trusts, & More!Bonus Episode! | The Pod Squad On "The Stacking Benjamins Show!"

“People are good at being busy and they have no time. But if you were to be productive, you can free up a lot of time.” -Robert Riopel    We've been taught that success is a result of hard work, luck, or even opportunity. It isn't. Success is a result of intentional decisions. Successful people are successful because they develop the habits that lead to success.    In this episode, we will gain valuable insights on how to build wealth so we can create more time for the things that matter to us. Joining us this week is Robert Riopel, the author of Success Left A Clue. Robert elaborates on just what those clues are and how to apply them. Ted and Robert also share how to go about building a passive income stream that will create time freedom, why owning our debt is important, how to take ownership of our investment, why we should have a mandatory vacation, what differentiates being busy as opposed to being productive, and how to turn failures and setbacks around to your benefit.    Your financial freedom is your most valuable investment. When your focus is on the money, you're going to plan your life around making it. When you're focused on the time, you're going to plan your life around how to use it. Tune in as Ted and Robert solve the financial freedom equation.  Connect with Ted:  Website Facebook  Twitter Instagram     LinkedIn YouTube Highlights:  01:41 Take Control of Your Success 06:37 If You Want To Reinvent The Wheel, Do It Later 11:36 Take Ownership of Your Debt 14:15 The Financial Freedom Equation 19:01 Ready, Aim, and Fire   25:43 Own Your Investments 29:13 Balance Your Success 33:40 Speak Your Truth with Compassion 37:40 Let It Go 41:17 Recap

Your Debt to Income Ratio is a key metric of analysis lenders use when you submit a loan application. It gives us a good indication of how much you can afford in relation to the debts you currently hold. In the Denver Real Estate Market there is a LOT going on... little inventory, increasing rates AND increasing prices. So, how does that affect homebuyer affordability? Well, with all this activity, what you were approved for might not work anymore... and optimizing your DTI just became that much more important. In this episode, Nicole will walk you through what is part of your monthly debt and what are the exceptions. Listen at least once. Share this with your family and friends. Tip: The car doesn't care about the house, but the house cares about the car. Make your purchases in the right order. Tip: how do you calculate your debt-to-income ratio? To calculate your debt-to-income ratio, you add up all your monthly debt payments and divide them by your gross monthly income. Your gross monthly income is generally the amount of money you have earned before your taxes and other deductions are taken out.  For example, if you pay $1500 a month for your mortgage and another $100 a month for an auto loan and $400 a month for the rest of your debts, your monthly debt payments are $2,000. ($1500 + $100 + $400 = $2,000.) If your gross monthly income is $6,000, then your debt-to-income ratio is 33 percent. ($2,000 is 33% of $6,000.) AnnualCreditReport.com - free to pull your own report.

2021 was an interesting year for Canadian consumer debt. Insolvencies remained at record lows and many people were able to pay off their credit cards. But will these trends continue? On today's podcast, Doug Hoyes and Ted Michalos review what happened with consumer debt, insolvencies, and savings in 2021 and, provide their predictions for what's to come in 2022. With government income supplements winding down, collections activity starting again, and limitations periods near expiry, the new year should be interesting, to say the least! Tune in for their analysis.   Links:   Debt Statistics: What Happened to Debt During the Pandemic & Recovery of 2021 - https://hoyes.news/what-happened-to-debt-2021 Episode 348 – How Deflation Will Impact the Economy and Your Debt with Jeff Booth: https://youtu.be/7Kt7KBfemh8 Statistics Canada. Table: 36-10-0639-01. Credit Liabilities of Households: https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810000501 Statistics Canada. Table: 36-10-0112-01. Current and Capital Accounts: https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=3610011201 Statistics Canada. Table 14-10-0063-01. Employee wages by industry, monthly, unadjusted for seasonality: https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1410006301 Statistics Canada, Labour Force Participation Rate: https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1410028701 Hoyes Michalos Homeowner's Bankruptcy Index https://www.hoyes.com/press/homeowner-bankruptcy-index/ Federal government, fiscal update: https://budget.gc.ca/efu-meb/2021/report-rapport/intro-en.html Bank of Canada, definition of Money Supply, and data: https://www.bankofcanada.ca/rates/indicators/key-variables/monetary-aggregates/ Money supply, Bank of Canada, https://www.bankofcanada.ca/rates/banking-and-financial-statistics/selected-monetary-aggregates-and-their-components-formerly-e1/ Monetary Aggregates, Bank of Canada, https://www.bankofcanada.ca/rates/banking-and-financial-statistics/selected-monetary-aggregates-and-their-components-formerly-e1/ Statistics Canada. Table 14-10-0063-01  Employee wages by industry, monthly, unadjusted for seasonality  https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1410006301 Statistics Canada, Labour Force Participation Rate https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1410028701 Statistics Canada. Table 17-10-0005-01  Population estimates on July 1st, by age and sex https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1710000501 Statistics Canada, Household Savings Rate: https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=3610011201 Consumer Price Index, annual avg, not seasonally adjusted: https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1810000501

Take what you need from this compilation of 2021 Tips From an Expert episodes. Mental, Physical & Emotional Wellbeing: 108. Neuroscience: You Can(‘t) Deconstruct Toxic Thoughts feat. Dr. Caroline Leaf 71. Physical Healing: Herbal Remedies Can(‘t) Work feat. Saran James-Vaughan Money & Career: 83. Money Moves: You Can(‘t) Pay off Your Debt feat. Bola Sokunbi 103. The Real You Is(n't) Acceptable at Work feat. Dr. Tamara W. Dias 96. You Can(‘t) Turn Your Passion into Profit feat. Dr. Omolara Uwemedimo Grace, the Voice, and Relationships: 92. Extend Yourself Grace: You Can(‘t) Juggle Motherhood and Work feat. Pastor Brelyn Bowman 79. Your Soul's Voice: Your Voice Is(n't) Powerful feat. Lindsey Simcik 101. You Can(‘t) Find Your Cru feat. Tiffany Dufu It's #GivingTuesday! Support Imperfectly Phenomenal Woman podcast by rating 5 stars and leaving a review on Apple Podcasts, follow on Spotify, share this episode with a friend, cashapp $williamslauren118, or venmo @lauren-williams-61. I appreciate you!!!

While we tend to be very good at noticing our failures, keeping track of all your victories is a much better idea - even the little victories. This episode begins with an explanation of why those little victories can propel you into big ones and why keeping a list is such a great idea. http://www.lifehack.org/398112/science-explains-how-writing-down-tinyachievements-every-day-changes-our-brains You are surrounded by colors, shapes, objects, nature and light. All of those things have an effect on you. They impact your productivity, your mood and how you view the world as well as how you relate to other people. Ingrid Fetell Lee is an expert on how design affects your health and well-being and is author of the book Joyful: The Surprising Power of Ordinary Things to Create Extraordinary Happiness (https://amzn.to/2M7N3pa). What she has to say will change the way you view the world around you. It is common for parents to mix up the names of their children and call them by the wrong name. Interestingly though, you never call your kids by your cat's name. So why not? Parents obviously know the difference between their own kids. Listen and discover why the mix up is so common. (http://www.dailymail.co.uk/sciencetech/article-3594971/Do-mix-people-s-names-Don-tworry-not-going-senile-merely-filing-error-brain.html) Getting into debt is easy. It is getting OUT of debt that's so hard. If you have more debt than you wish you had, you'll want to hear Shannon Lee Simmons. She is a certified financial planner and author of the book Living Debt Free: The No Shame No Blame Guide to Getting Rid of Your Debt (https://amzn.to/2EzNa6N). Shannon joins me to explain the best and fastest way to get out of debt and still live your life. PLEASE SUPPORT OUR SPONSORS! We really enjoy The Jordan Harbinger Show and we think you will as well! There's just SO much here. Check out https://jordanharbinger.com/start for some episode recommendations, OR search for The Jordan Harbinger Show on Apple Podcasts, Spotify or wherever you listen to podcasts.  Save time, money, and stress with Firstleaf – the wine club designed with you in mind! Join today and you'll get 6 bottles of wine for $29.95 and free shipping! Just go to https://tryfirstleaf.com/SOMETHING Get 10% off on the purchase of Magnesium Breakthrough from BiOptimizers by visiting https://magbreakthrough.com/something Go to https://RockAuto.com right now and see all the parts available for your car or truck. Write SOMETHING in their “How did you hear about us?” box so they know we sent you! https://www.geico.com Bundle your policies and save! It's Geico easy! Search for Home. Made., an original podcast by Rocket Mortgage that explores the meaning of home and what it can teach us about ourselves and others.  Learn about investment products and more at https://Investor.gov, your unbiased resource for valuable investment information, tools and tips. Before You Invest, https://Investor.gov. Visit https://www.remymartin.com/en-us/ to learn more about their exceptional spirits! Visit https://ferguson.com for the best in all of your plumping supply needs! Learn more about your ad choices. Visit megaphone.fm/adchoices

Should you put all of your savings at risk in the stock market to earn enough for a down payment on a house?  Probably not. Danielle Park, lawyer, and wealth manager explains why some financial advice is "heinous", how to recognize bad financial advice, and why you should think critically about the financial advice we are bombarded with every day. Related Links: Links:   Danielle's blog post on Doug Hoyes’ TV appearance: https://jugglingdynamite.com/2021/04/22/financial-stress-rising-for-households/ The Questrade ad: https://youtu.be/Ta2a7LkVVHc Doug Hoyes on BNN Bloomberg on April 21, 2021: https://www.bnnbloomberg.ca/video/~2185816 Podcast 248 – Danielle's first appearance: Building Wealth in a Challenging World: https://youtu.be/Y9mc-3ht0Uw Podcast 348 – How Deflation Will Impact the Economy and Your Debt with Jeff Booth: https://youtu.be/7Kt7KBfemh8 Danielle Park’s website: https://jugglingdynamite.com/​ Danielle's book: Juggling Dynamite: An Insider's Wisdom on Money Management, Markets, and Wealth That Lasts on Amazon: https://amzn.to/3h349lZ Danielle on Twitter: https://twitter.com/kdaniellepark Danielle’s investment management firm – Venable Park: http://www.venablepark.com/

Show Summary:In episode 007, we discuss student loan forgiveness as a metaphor for the idea of the victim mentality.Leave A Voice Memo, Review The Show, & Follow Us HereWin/Fail:In our win/fail segment, Gary is mad that he didn't get Biden Bucks, Sarah went on her first hike, and PeterMain Discussion:Next, we dive into our topic of the day, “It's Your Debt, Pay It!”  Our discussion in this episode is about the victim mentality and lack of accountability that is pervasive in our society today.  We use student loan forgiveness as a metaphor to further the discussion.  The underlying message is that we control our lives and the mindset around what happens to us even though we can not control what happens to us.Listener Feedback:The Fat & Broke team then moves on to fan feedback from the show and the gettingfatgoingbroke.com blog.  Jess asks a question about protein powder that Peter has no answer for and Carolyn commented on one of our blog posts and talks about making her own pasta which we all agree sounds amazing! Key Topics:Victim MentalityAccountabilityWe can't control what happens to us but we can control how we react to itBiden BucksStimmyResources Mentioned In This Episode:Gettingfatgoingbroke.comhttp://www.gettingfatgoingbroke.com/what-eating-for-health-looks-like/http://www.gettingfatgoingbroke.com/my-top-5-reasons-to-eat-at-home/Call To Action: Website:  http://www.gettingfatgoingbroke.com Facebook:  https://www.facebook.com/gettingfatgoingbroke Instagram:  https://www.instagram.com/gettingfatgoingbroke/Twitter:  https://twitter.com/getfatandbrokeYouTube:  https://www.youtube.com/channel/UCp1aYWLbnm9e8F1o0eSJvqQRSS:  https://thefatbrokepodcast.buzzsprout.com/

PART 3: You did it! You've made it through the toughest 2 parts of the Financial Makeover - insert strong emoji here. In this episode Sarah and Wilson discuss what to do next with your growing stability and financial freedom, what that even looks like and how to set the framework for success. This is the fun part!Episode Resource Guide: LISTEN: The Wealthy Artist Podcast - Financial Makeover Part 1:- Getting StartedLISTEN: The Wealthy Artist Podcast - Financial Makeover Part 2: Your Debt & Safety NetsREAD: The Intelligent  Investor by Benjamin Graham READ: Total Money Makeover by Dave RamseyLISTEN: Total Money Makeover by Dave RamseyREAD: Mind Over MoneyLISTEN: Mind Over Money by Brad Klontz

Doug Hoyes explains why even with high debt and high pandemic-related unemployment bankruptcy filings continue to drop, and he gives his predictions for the next few months, and then, given the stress caused by the COVID-19 lock down, we rebroadcast our conversation with Shannon Lee Simmons, author of Living Debt-Free: The No-Shame, No-Blame Guide to Getting Rid of Your Debt about how negative feelings towards debt can create more debt and strategies that can put you in the right direction when dealing with your debt.

You THINK you know what this "PANDEMIC" is about? What if it isn't about ANY of what they're telling US! What if it's about keeping US of the streets so they can TRANSPORT HUMAN TRAFFIC TO MARKET? Traffic to provide the SLAVE TRADE, ILLICIT ORGAN HARVESTING or just CHEAP LABOR! WHAT DO WE REALLY KNOW? Your body parts add up to $6 MILLION on the open ORGAN MARKET! What about those children snatched at the southern US border? Where are they? If they can sequester ALL of US and keep us gripped by FEAR for our own well-being, they can run their STREET MARKET! THIS IS A HORRIBLE POSSIBILITY. Want to get out from under YOUR DEBT and "FREE" yourself from the burden of children you NEVER WANTED, SELL THE KIDS! (CHECK OUT THAT IDAHO MOMSTER!) WTF UP, AMERICA! PORKY WANTS TO LIVE AND RULE FOREVER! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/david-patrick-wilson/support

Bobbi reveals her favorite new money related books for financial grownups, and how to decide if they are right for you. This month’s picks include: Becoming Super Woman: A Simple 12-Step Plan to Go from Burnout to Balance by Nicole Lapin Money for the Rest of Us: 10 Questions to Master Successful Investing by David Stein Pay off Your Debt for Good: 21 Days to Change Your Relationship with Money & Improve Your Sending Habits So You Can Get Out of Debt Fast by Jen Smith For more information, visit the show notes at https://www.bobbirebell.com/podcast/november2019books

How to Calculate the Debt To Income Ratio For Getting A Mortgage. Your Debt to Income or DTI is a very important metric. It can mean the difference between your loan getting approved or denied. Make sure you know your DTI! ❤ Enjoying this episode? Be sure to L I K E and S H A R E the love. ❤ I'm a 10+ year mortgage professional here in Port St Lucie, Florida. I am a US Army Veteran (AIRBORNE!) husband and father of 4 lovely kids...and a Belgian Malinois named Leo. I love helping families with their home loan needs. Want to know your mortgage options? Visit my site for your free evaluation: https://dempseymortgage.com B L O G ➳ https://dempseymortgage.com/blog P O D C A S T ➳https://anchor.fm/emmett-dempsey F A C E B O O K ➳ https://www.facebook.com/emmettmortgage I N S T A G R A M ➳ https://www.instagram.com/emmettmortgage L I N K E D I N ➳ https://www.linkedin.com/in/mortgagel... T W I T T E R ➳ https://twitter.com/emmettmortgage W E B S I T E ➳ https://dempseymortgage.com I am very grateful for all of my subscribers and folks that listen to my podcast. I hope I can help answer some questions about home buying and the purchase/refinance process. I look forward to hearing from you soon! Emmett Dempsey Mortgage Advisor / Branch Manager NMLS 208522 emmett@genevafi.com https://www.dempseymortgage.com (772) 618-5058 - Call / Text Geneva Financial, LLC NMLS 42056 1850 SW Fountainview Blvd #210 Port Saint Lucie, FL 34986 --- Support this podcast: https://anchor.fm/emmett-dempsey/support

In over 20 years of helping Canadians eliminate their debt, I've yet to hear a single client say they chose to have debt problems. Debt accumulates over time and then it becomes an even bigger problem when you lose your job, become ill or get divorced. But for many of my clients, despite knowing that the cause of their money troubles was beyond their control, they still blamed themselves for their financial woes.  So, how does one overcome self-blame to achieve debt relief? On today’s special rebroadcast episode we talk with Shannon Lee Simmons, author of Living Debt-Free: The No-Shame, No-Blame Guide to Getting Rid of Your Debt about how negative feelings towards debt can create more debt and strategies that can put you in the right direction when dealing with your debt.

While you are likely very good at noticing when you fail in life, keeping track of all the little victories is a much better activity. I begin this episode by explaining why those little victories can propel into big ones and why keeping a list is such a great idea. http://www.lifehack.org/398112/science-explains-how-writing-down-tinyachievements-every-day-changes-our-brainsYou are surrounded by colors, shapes, objects, nature and light. And all of those things have an effect on you. They impact your mood, your productivity and how you view the world and your fellow humans. Ingrid Fetell Lee is an expert on how design affects your health and well-being and is author of the book Joyful: The Surprising Power of Ordinary Things to Create Extraordinary Happiness (https://amzn.to/2M7N3pa). What she has to say will change the way you view the world around you.It is pretty common for parents to mix up the names of their children and call them by the wrong name. Interestingly though, you never call your kids by your cat’s name. So why does this happen? Parents obviously know the difference between their own kids. Listen and discover why the mix up is so common. (http://www.dailymail.co.uk/sciencetech/article-3594971/Do-mix-people-s-names-Don-tworry-not-going-senile-merely-filing-error-brain.html)Getting into debt is really easy – but getting out of debt is a whole other story. If you have more debt than you wish you had, you’ll want to hear Shannon Lee Simmons. She is a certified financial planner and author of the book Living Debt Free: The No Shame No Blame Guide to Getting Rid of Your Debt (https://amzn.to/2EzNa6N). Shannon joins me to explain the best and fastest way to get out of debt and still live your life. This Week’s Sponsors-Ancestry.For 20% off your Ancestry DNA kit, go to www.Ancestry.com/something-Omax Health. For 20% off your on OMAX CryoFreeze or any purchase sitewide go to www.OmaxHealth.com and use the promo code: something-Purple. To get a free pillow with your mattress purchase text the word “Something” to 79-79-79.-Capital One. What’s in your wallet? www.CapitalOne.com

Episode 6 finds our hosts TeethSwag and Ndarkie yet again completely outclassed on the microphone as they’re joined by another caliber of guest beyond their intellectual pay-grade. Today we're joined by Nelspruit born Dineo Tsamela who leads a new wave of young and tech savvy South African financial industry professionals who are making it their business to educate and inform the African masses about better ways of managing their money. The self-confessed bookworm is no stranger to debt herself since early in her career she found herself overwhelmed with debt and no real plan as to how to get herself out of the financial distress that most young people seem to find themselves in. So she did what any young lady in her early twenties would do – moved to Joburg and took a four year break from all social activities, cutting down her spending to her most basic living expenses and proceeded to kick life’s financially draining butt. The best thing of all? She survived and lived to share her tail of survival with hippies all around the world!. Now far removed from the earlier stresses that slowed her down earlier on in her career, today Dineo finds herself professionally stationed as a Communication Manager of Global Markets in the banking sector as well operating as a sort-after media speaker, columnist and panelist on all matters relating to money and investing in South Africa. In between founding her labour of love financial literacy blog Piggy Banker, freelancing for City Press and The Sunday Times as a business columnist and authoring her own ebook “A Step-by-Step Guide to Paying off Your Debt”, Dineo also somehow finds time to be a mom and an avid traveler. In the next hour and a half, TeethSwag and Ndarkie attempt their first fully sober episode as they deep dive into her life journey so far, her love and passion for the arts as well as some critical pointers she gives our hosts on how to move from being in debt to being a smarter investor on a hippies budget. Dineo Tsamela on LinkedIn https://bit.ly/2HgDPBs Dineo Tsamela on Instagram https://www.instagram.com/dineo_t/ Dineo Tsamela on Twitter https://bit.ly/2JhX1Ce A Step-by-Step Guide to Paying off Your Debt https://bit.ly/2PWa2BZ

We talk love and money! Join my guests negotiation expert Fotini Iconomopoulos and author Shannon Lee Simmons, author of “Living Debt-Free: The No-Shame, No-Blame Guide to Getting Rid of Your Debt”. We discuss having a secret stash of money, what to do when the person you love has lots of debt, and more! Email us at singlegirlproblemspodcast@gmail.com

In over 20 years helping Canadians eliminate their debt, I've yet to hear a single client say they chose to have debt problems. Debt accumulates over time and then it becomes an even bigger problem when you lose your job, become ill or get divorced. But for many of my clients, despite knowing that the cause of their money troubles was beyond their control, they still blamed themselves for their financial woes.  So, how does one overcome self-blame to achieve debt relief? Today we talk with Shannon Lee Simmons, author of Living Debt-Free: The No-Shame, No-Blame Guide to Getting Rid of Your Debt about how negative feelings towards debt can create more debt and strategies that can put you in the right direction when dealing with your debt.

Get Rid of Your Debt

Get Rid of Your Debt

Philip Taylor of PTMoney answers the common question: what debts should I pay off first? Episode 286: What Debts Should You Pay Off First When You Get Extra Money by Philip Taylor of PT Money (How to Get Rid of Your Debt). PTMoney.com is about helping you make extra money, save more money, and spend your money wisely--all in an effort to help you fix your finances so you can build the life you want. It was started by Philip Taylor, a CPA, entrepreneur, and blogger who started the site in 2007. He also created FinCon, the popular conference for financial nerds. The original post is located here: https://ptmoney.com/what-debts-should-you-pay-off-first-when-you-get-extra-money Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and Join the Ol' Family to get your Free Gifts Learn more about your ad choices. Visit megaphone.fm/adchoices

Philip Taylor of PTMoney answers the common question: what debts should I pay off first? Episode 286: What Debts Should You Pay Off First When You Get Extra Money by Philip Taylor of PT Money (How to Get Rid of Your Debt). PTMoney.com is about helping you make extra money, save more money, and spend your money wisely--all in an effort to help you fix your finances so you can build the life you want. It was started by Philip Taylor, a CPA, entrepreneur, and blogger who started the site in 2007. He also created FinCon, the popular conference for financial nerds. The original post is located here: https://ptmoney.com/what-debts-should-you-pay-off-first-when-you-get-extra-money Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and Join the Ol' Family to get your Free Gifts

Philip Taylor of PTMoney answers the common question: what debts should I pay off first? Episode 286: What Debts Should You Pay Off First When You Get Extra Money by Philip Taylor of PT Money (How to Get Rid of Your Debt). PTMoney.com is about helping you make extra money, save more money, and spend your money wisely--all in an effort to help you fix your finances so you can build the life you want. It was started by Philip Taylor, a CPA, entrepreneur, and blogger who started the site in 2007. He also created FinCon, the popular conference for financial nerds. The original post is located here: https://ptmoney.com/what-debts-should-you-pay-off-first-when-you-get-extra-money Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and Join the Ol' Family to get your Free Gifts --- Support this podcast: https://anchor.fm/optimal-finance-daily/support

Episode 10 – The Local Small Business Coach Podcast Today We Discuss: Question on Starting a Local Business to Pay off Your Debt   In today’s episode, James is thinking of starting a local small business to help pay off his debt. Believe it or not, a lot of local small businesses are started by folks that just wanted to create some extra income and they took their passions or skills to the community. We discuss James’ idea of starting a landscaping business and the pros and cons of this business. We also discuss the ways he can get out to his community his new business and his options to do this with very little money to get going. A great episode for those also thinking about starting a local small business with little to no money.   ** For the full show notes click the link below!   HELPFUL LINKS Podcast Website:    LocalSmallBusinessCoach.com Leave your Message on the website with the Speak Pipe Button or just email me at Tammy@LocalSmallBusinessCoach.com Episode Show Notes:  Episode 10 - Local Small Business Coach Podcast Our Training Materials for Local Small Business Owners:  TrainingforLocalSmallBusinessOwners.com Starting a Local Small Business Website:  StartALocalSmallBusiness.com