How You Spend Your Days
42 episodes - English - Latest episode: over 4 years ago - ★★★★★ - 12 ratingsTackling Debt in Real Time
Homepage Apple Podcasts Google Podcasts Overcast Castro Pocket Casts RSS feed
Episodes
One Year Update – One Year Anniversary Episode!
October 30, 2019 16:30 - 31 minutes - 14.2 MBEp41: Holy cow! We’ve hit one year of How You Spend Your Days! In this episode, I look back on some of the conversations we’ve had since October 2018. Overview of how Atomic Habits has changed how I approach money One year update on my numbers and progress toward getting out of debt On track forRead more
What If Money Was No Object – Alan Watts
October 09, 2019 18:00 - 4 minutes - 2.04 MBEp40: We’re mixing it up a little bit this week with a meditation on money and life from philosopher and thinker, Alan Watts. Next week we’ll be back to our regular episodes for episode 41, which marks exactly ONE YEAR of this show. I’ll be providing an update and talking about what has happened inRead more
Paying off debt and owning things with Monica Thompson
September 25, 2019 16:00 - 31 minutes - 14.6 MBEp39: This week we talk to Monica Thompson about hitting one of her financial milestones and learn more about how she has taught herself what she knows about financial literacy today. We touch on buying cars, mortgages, credit cards and feeling financially secure. Congrats on paying off the adventure wagon, Monica! Our Guest This Week MonicaRead more
Subscriptions, Subscriptions, Subscriptions
September 12, 2019 02:59 - 23 minutes - 10.9 MBEp38: In this episode, we talk about subscriptions. Today we have access to more subscriptions than ever. We have subscriptions for movies and television (Netflix, Hulu), toothbrushes (Quip), meal prep (HelloFresh), underwear (MeUndies), and even pet food (The Farmer’s Dog). Now there is no judgment on this next part but how many subscriptions do youRead more
Love & Money – Talking about money in relationships
August 28, 2019 15:00 - 45 minutes - 20.7 MB37: This week I’m talking about money in relationships and put my girlfriend, Chanelle Bessette, in the hot-seat. We walk through a list of questions to see how each of us manage money individually and how we approach discussing money in our relationship. Our Guest This Week Chanelle Bessette, Personal Finance Writer Instagram: @crbessette FollowRead more
Identifying Financial Fatigue
August 21, 2019 16:00 - 17 minutes - 7.87 MB36: This week we talk about identifying financial fatigue and how to combat it and avoid it altogether. Identifying Financial Fatigue Some of the feelings that come along with financial fatigue include: The feeling that managing your finances is tedious The end doesn’t seem to be in sight Your efforts seem hopeless These feelings canRead more
Plan A Money Date With Yourself
August 08, 2019 05:16 - 10 minutes - 4.88 MBEp35: This week I sat down and reevaluated my finances and refactored my “Numbers” spreadsheet. This is a little bit of update episode since it has been a minute since the last one. This is also a good reminder for you to sit down and take a look at how you are doing financially andRead more
How to make freelancing (or your side hustle) work for you
July 31, 2019 18:00 - 28 minutes - 13.2 MBEp34: This week we get very tactical and jump into how to make the numbers work around freelancing or being an independent worker. Come up with a number Align your expectations Timebox your work Reduce and automate the meta work Track Your Time Automate Invoicing, Proposals, and Contracts Automate Withholding Taxes & Retirement “Work expandsRead more
7 Things You Should Do For Your Financial Fitness
July 24, 2019 17:19 - 14 minutes - 6.59 MBEp 33: This week we dive into seven things you should do to make sure you stay financially fit. Check your Credit score Nerd Wallet Credit Karma Mint Set a savings goal and create a named virtual savings account for that goal Take inventory of your recurring expenses Evaluate how you can make more money IfRead more
Playing with FIRE – The Documentary
July 10, 2019 16:00 - 7 minutes - 3.34 MBEp 32: This week is a fun update! HY$YD is hosting a screening of the documentary Playing with Fire. You can listen to my interview with Scott Reickens in Episode 10 if you’d like to hear more about Scott’s background and why he set out to make this documentary. Get tickets for the Reno screening: https://www.tugg.com/events/playing-with-fire-tdrl Get theRead more
Paying Off Student Loans by Learning to Code w/ Lindsay Barrett
June 19, 2019 15:35 - 22 minutes - 10.4 MB#31: In this episode, we’re joined by Linsday Barrett who conquered $37,000 in student loan debt in 3 years after graduating from college and investing in herself with a web developer bootcamp. I’m honored to have played a small part in her journey as I was the teacher for that bootcamp so it was a lotRead more
Ep30: Freelance Finance with Lara Cattlin
June 12, 2019 18:00 - 24 minutes - 11.3 MBThis week, I chat with Lara Cattlin, friend and freelance copywriter, about the ins and outs of freelance finance. Freelancers have a gauntlet of tasks that they have to do in addition to doing the work that they specialize in. We talk about cash flow management, the pros/cons of freelancing and how to set boundariesRead more
Ep29: Your Debt Payoff Date
June 05, 2019 18:04 - 14 minutes - 6.42 MBThis week, I sit down and calculate my official debt free date and discuss why it’s important to have a clear and defined date. This date allows you to make informed decisions on where you spend your time and money and increases the likelihood of you hitting your goal. Essentialism by Greg McKeown (Essentialism episode comingRead more
Ep28: Negotiating with Credit Card Companies
May 29, 2019 16:25 - 21 minutes - 9.77 MBThis week, I called my credit card companies to confirm my interest rates and attempt to negotiate down my interest rates with each card. My results were mixed as you will hear in this episode but getting your credit card companies on the phone is a good idea, even if it’s just to confirm theRead more
Ep27: “Shop Twice, Spend Once” with Todd Clary
May 22, 2019 17:50 - 33 minutes - 15.3 MBThis week I’m joined by Todd Clary of Clarity Financial Coaching to discuss the stigmas around talking about money and why he decided to become a financial coach to help others accomplish their financial goals. Some of the articles and resources we discuss in this episode: Dave Ramsay Financial Coach Mastery Training Shop Twice, SpendRead more
Ep26: Money and Family with CJ Avilla
May 15, 2019 16:00 - 33 minutes - 15.2 MBThis week, I’m joined by a friend and colleague, CJ Avilla. We discuss his philosophies around money, how his family tracks money, how they spend money and how CJ and his wife have been teaching their kids about money. Some of the articles and resources we discuss in this episode: Americans Spend $18k a yearRead more
Ep25: Recalibrating for New Goals
May 01, 2019 16:00 - 17 minutes - 7.95 MBEpisode 25! This week is a quick rant on recalibration. It’s a good time to bring back some awareness around how much I’m spending, on what, when and why. With the start of a new month (May), I’m looking to jump back into another frugality challenge and only allow myself to spend money dining outRead more
Ep24: HY$YD Six Month Update 💸💸
April 24, 2019 18:30 - 14 minutes - 6.68 MBThis week marks the point where I’ve been doing this show for 6 months. It also represents 6 months of me paying more attention to my financial health than I ever have. That attention has come in the form of: Doing a deep dive into where my money was going Greatly reducing my discretionary spendingRead more
Ep23: Resistance and Plateaus
April 17, 2019 16:00 - 16 minutes - 7.63 MBThis week I explore the Resistance that one encounters when trying to complete creative endeavors, especially ones that take a great deal of time to see to fruition. The idea of “Resistance” with a capital R is a big focus of Steven Pressfield’s “The War of Art”. I first read the book many years agoRead more
Ep22: “Life Happens” with Tanja Hester
April 10, 2019 16:00 - 34 minutes - 15.6 MBTanja Hester is back this week to join us for Episode 22. We spend this episode going through updates on what is going on in our lives. Check out the bulleted list of topics below. Cashflow as a Freelance Adding to the Emergency Fund with a “Life Happens” fund (idea from Suze Orman) Setting aRead more
Ep21: Valuing Your Life Energy – Maximizing Income
April 03, 2019 16:00 - 20 minutes - 9.22 MBIn this episode, I get a little introspective and talk about valuing your life energy, as talked about a lot in Vicki Robin’s book, Your Money or Your Life. Up until now, we’ve been largely focused on minimizing spending but another way to value your life energy is to free up more time by maximizingRead more
Ep20: Travel, Trips & Vacations
March 27, 2019 16:00 - 20 minutes - 9.39 MBThis week I am checking in to discuss how I’m approaching travel, trips and “vacations” while continuing to prioritize getting out of debt. Resources In This Episode Kayak Marriott Bonvoy Southwest Rapid Rewards Hotel Tonight Follow HY$YD or send us questions/feedback Twitter: @howyouspend Instagram: @howyouspend Web: howyouspendyourdays.com
Ep19: No Spend Month Challenge with Chanelle Bessette
March 13, 2019 16:00 - 20 minutes - 9.4 MBIn this episode, I’m joined by Chanelle Bessette to talk about the “No Spend Month” challenge that we both undertook for February. We discuss what rules we set for ourselves, the challenges we ran into and the results from taking a financial detox period. Links from this episode Frugalwoods Get Money by Kristin Wong NPRRead more
Ep18: Tackling $80,000 in student loans with Nicole Rose Dion
March 06, 2019 17:00 - 25 minutes - 11.5 MBIn this episode, we’re joined by Nicole Rose Dion, who conquered over $80,000 in student loan debt in 6.5 years after graduating from college. I talk to her about the stigma around debt, the constant stress and anxiety she felt while she was paying minimum payments and how she was able to shift her mindsetRead more
Ep17: Revisiting My Goals After Four Months
February 27, 2019 17:00 - 18 minutes - 8.67 MBAfter four months of doing this show, I revisit the goals that I set in Episode 3. 17 weeks have gone by and while I am slowly chipping away at my overall financial goal, a lot has happened since I started paying better attention to my finances and cultivating a better relationship with money. To recap, thoseRead more
Ep16: “You Get What You Repeat” – Atomic Habits
February 20, 2019 18:13 - 22 minutes - 10.1 MBThis week we jump into habit formation and how we can develop intrinsic motivation and develop lasting behavior change that help us to achieve our long term goals, like getting out of debt. Check out more about James Clear and his many amazing articles at JamesClear.com or pick up his book, Atomic Habits, to continue learning about theRead more
Ep15: Minimalism & Money
February 13, 2019 17:00 - 31 minutes - 14.5 MBThis week is a little different. I jam on minimalism and how adopting minimalism in some areas of our life can help you to save money and energy so you can spend it on the things that you truly enjoy. Resources from this Episode: Life-changing Magic of Tidying Up by Marie Kondo Follow HY$YD orRead more
Ep14: Reconnecting with Food on a $30/week Grocery Budget
February 06, 2019 17:00 - 35 minutes - 16.3 MBThis week I’m joined by a new friend, Dani Morris. In this episode, Dani shares with us how she and her husband were able to thrive on a $30/week food budget for nine months so that they could buy a house. Each of us has been able to reconnect with food by focusing on our financialRead more
Ep13: Saving Money Without Becoming a Hermit
January 30, 2019 17:00 - 25 minutes - 11.6 MBThis week I talk about frugality, places you can save money automatically and ideas for frugal substitutions for behaviors and expenses that you’ve become accustomed to (ahem, hedonic treadmill). News Flash! Your Debt is an Emergency! from Mr. Money Mustache Book: Get Money by Kristin Wong Resources & Tools Honey – Automatically find promo codesRead more
Ep12: The Infamous Spreadsheet & Lifestyle Creep
January 23, 2019 16:00 - 30 minutes - 14 MBThis week I am checking in with an update on The Numbers and releasing the spreadsheet! Don’t worry this episode isn’t me reading a spreadsheet aloud. I also dive into lifestyle creep a little bit and share how I’ve observed the effects of hedonic adaptation at work in my own life. HY$YD “The Numbers” Spreadsheet Read more
Ep11: Dave Ramsey & Money in Relationships with Katharine Schweitzer
January 16, 2019 16:00 - 34 minutes - 15.9 MBThis week I have the pleasure of speaking with Katharine Schweitzer about how Dave Ramsey’s methods and books helped her move away from the stresses of living paycheck to paycheck. Dave Ramsey’s Total Money Makeover From a discretionary spending perspective, Katharine and I share the same largest expense category, food & drink. We discuss how sheRead more
Ep10: Playing with FIRE – Scott Rieckens
January 09, 2019 16:50 - 46 minutes - 21.5 MBThis week I’m joined by an old friend, Scott Rieckens. We first met after Scott was laid off from his job during the recession and he was looking for something that he could do that would allow him to take back control of his work. He started an online reputation company called Social Chorus andRead more
Ep9: Happy New Year 2019
January 03, 2019 00:37 - 6 minutes - 3.09 MBThis week is a quick update from Colin. We’d love to hear any personal finance questions or stories from your own harrowed journeys toward financial independence. You can send us questions, comments and feedback to @howyouspend on social networks or shoot us an email. We have some new guests joining us for 2019 and we’llRead more
Ep8: Resolutions are for suckers – 2019 Goals
December 26, 2018 18:23 - 22 minutes - 10.3 MBThis week, we review the goals that I set with Tanja in Episode 3 – Setting Goals. We discuss how and why people fail to achieve New Year’s resolutions and how we can avoid becoming part of that statistic while moving toward our results. Goal 1: Create a $1,000 emergency fund Goal 2: Establish a plan with theRead more
Ep7: Holiday Spending & Interpersonal Relationships
December 19, 2018 17:21 - 17 minutes - 8.08 MBThis week, we dive into the holidays. Calvin joins me again to discuss holiday spending and how our IRL spending habits tend to also bleed into virtual worlds like World of Warcraft. Follow HY$YD or send us questions/feedback Twitter: @howyouspend Instagram: @howyouspend Web: howyouspendyourdays.com Our Guest This Week Calvin Fung Twitter: @thecalvineffect Podcast: Coding with Calvin
Ep6: Bullet Journaling & Freelancing
December 12, 2018 19:11 - 9 minutes - 4.2 MBColin has a quick update this week with some resources to set the stage for the holidays. Resources from this Episode: Bullet Journal Double Your Freelancing Podcast Your Money or Your Life by Vicki Robin and Joe Dominguez Listen Money Matters Podcast Follow HY$YD or send us questions/feedback Twitter: @howyouspend Instagram: @howyouspend Web: howyouspendyourdays.com
Ep5: Check In & Questions from Listeners
December 06, 2018 00:15 - 18 minutes - 8.57 MBThis week I am checking in with a solo update and answering some questions from friends and listeners. Thanks to Steve and John for your questions! Follow HY$YD or send us questions/feedback Twitter: @howyouspend Instagram: @howyouspend Web: howyouspendyourdays.com
Ep4: Expenses & Consumption
November 28, 2018 17:00 - 28 minutes - 12.8 MBThis week we discuss facing your consumption and expenses by building an expense inventory. I looked at every recurring expense and expense category (food, drinks, etc.) to see where my money has really been going. This week I’m joined by a friend and fellow podcaster, Calvin Fung. We talk about the latte factor, our cocktailRead more
Ep3: Setting Goals
November 21, 2018 16:00 - 27 minutes - 12.5 MBThis week I sit down with Tanja and talk about my upcoming goals for tackling my financial obstacles. Goal 1: Create a $1,000 emergency fund Goal 2: Establish a plan with the IRS Goal 3: Choose a plan of attack for credit card payoff Goal 4: Inventory my expenses Goal 5: Smooth out my freelance income orRead more
Ep2: The Numbers
November 14, 2018 16:05 - 32 minutes - 15.1 MBToday we talk about my debt, put actual numbers to it and draw a line in the sand. These numbers will be available soon at http://howyouspendyourdays.com/numbers so you can follow along with my progress. You can follow along with us on Twitter at @colinloretz and @our_nextlife.
Ep1: Colin & Tanja Backstories
November 14, 2018 16:00 - 24 minutes - 11.2 MBIn this first episode, we’re setting the stage with our backstories. Who we are, what we do and how we find ourselves talking about debt today. You can follow along with us on Twitter at @colinloretz and @our_nextlife.
Ep0: Introducing HY$YD
October 23, 2018 04:56 - 5 minutes - 2.32 MBHow You Spend Your Days: Candid conversations about debt, the stigma around money and follow Colin’s journey toward debt freedom. Hosted by Colin Loretz and Tanja Hester. How We Spend Our Days Is How We Spend Our Lives More to come in Episode 1!