Reduce Debt Increase Wealth
224 episodes - English - Latest episode: 6 days ago -Debt reduction to achieve financial freedom takes commitment, confidence, determination.
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Episodes
Best Use of Budget
April 14, 2024 06:00 - 25 minutes - 17.2 MBWhat are the best ways to use a budget, what information can be obtain. Article Link: https://www.oklahomacentral.creditunion/Ten-Solutions-to-Common-Financial-Challenges https://www.investopedia.com/1-finance/most-common-financial-mistakes/ By Emily Norris Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: [email protected] Wanting Budget...
Why Do Tracking
April 07, 2024 06:00 - 21 minutes - 14.8 MBWhy do tracking and the benefits, again lost word file so no information on links. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: [email protected] Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.
Start Building Wealth
March 31, 2024 06:00 - 24 minutes - 16.7 MBHow to get started building wealth, again lost word file so no links information. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: [email protected] Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.
Overview Plus
March 24, 2024 06:00 - 28 minutes - 19.5 MBThis is a overview of everything needed to reduce debt. Lost word file for not sure of links. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: [email protected] Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.
Debt Deep Dive
March 17, 2024 06:00 - 23 minutes - 16.3 MBSome debt is need while there is debt to avoid. Determine how much debt can afford so not to put stain on the budget. Article Link: https://www.investopedia.com/articles/pf/12/good-debt-bad-debt.asp By Lisa Smith https://www.nerdwallet.com/article/mortgages/debt-to-income-ratio-calculator Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWea...
Budget Deep Dive
March 10, 2024 07:00 - 28 minutes - 19.3 MBThe budget or control center is necessary for everyone especially those with financial problems. Tracking is just the start giving the numbers to use in the budget to review and control the financial situation. Article Links: https://www.personalfinancelab.com/finance-knowledge/personal-finance/budgeting/ By Kevin Smith Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support ...
Deep Dive into Tracking
March 03, 2024 07:00 - 32 minutes - 22.1 MBKnowing the basic for tracking will help when reviewing what method to use. Doing tracking manual on paper, using a spreadsheet on computer, or an app on computer and smartphone are all good solutions. First what is Personal finance and why it is important. Article Links: https://www.investopedia.com/terms/p/personalfinance.asp By Will Kenton Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout...
Investing, When to Start with Debt
February 25, 2024 07:00 - 28 minutes - 19.4 MBHave a debt problem and wondering if investing should be started. Investing with debt is this a smart idea or should the debt be paid off first. This is the question most people wonder about all the time. This is not using debt to make investments but if a person should invest with a debt problem. Article Link: https://www.fidelity.com/learning-center/personal-finance/pay-down-debt-vs-invest Support the show Please support the show by subscribing, can cancel at any time. Thanks for the s...
Debt Struggles
February 25, 2024 07:00 - 28 minutes - 19.3 MBStruggling with debt how to handle this problem. Getting out of debt takes longer and harder than getting into debt but reducing debt can be done with the correct procedures. Article Links: https://www.wellsfargo.com/goals-credit/smarter-credit/manage-your-debt/pay-off-debt-faster/ https://www.wellsfargo.com/goals-credit/smarter-credit/manage-your-debt/total-cost-of-borrowing/ Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subs...
Christmas Debt Into Savings
February 18, 2024 07:00 - 26 minutes - 18.2 MBHaving problems with Christmas debt, purchased gifts on credit and now the bills are coming due. How to solve this for all future years and increase emergency fund at the same time. Article Links: https://www.bankatfirst.com/personal/discover/flourish/26-week-savings-challenge.html https://www.creditkarma.com/money/i/money-saving-challenges Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout...
Budget Upkeep
February 04, 2024 07:00 - 26 minutes - 18.3 MBKeeping a budget up to date is helpful in staying on top of personal finances. What to do and when will be discuss with tips on staying on track. The information from tracking should include everything Checking, Credit cards, every account in the tracking program. Article Link: https://www.investopedia.com/financial-edge/1109/6-reasons-why-you-need-a-budget.aspx Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page:...
Budget Setup
January 28, 2024 07:00 - 29 minutes - 20 MBSetting up a budget should not be hard to do. Keeping the categories to the minimum can be key to making a budget work. This starts with one month of tracking data. Let’s start with tracking entering and getting data out of the program before starting the budget setup. Article Link:1 https://consumer.gov/managing-your-money/making-budget#what-to-do Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzz...
Tracking Basic Plus
January 21, 2024 07:00 - 27 minutes - 18.9 MBWhat is tracking in personal finance, what to do tacking and what is needed to track personal finance. Going in depth to explain the basic tracking software. Articles Links: https://moneywise.com/managing-money/budgeting/best-personal-finance-software Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: [email protected] Wanting Budget Sprea...
Getting Started into Reducing Debt
January 14, 2024 07:00 - 26 minutes - 18.5 MBThis is a overview of my life why doing a podcast to help others with debt. There more to life than just working and being broke all the time, thinking working for the bank. This is the 200th episode of Reduce Debt Increase Wealth a review and reflection of the past. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: [email protected] Wantin...
Continuing Months Debt Reduction
January 07, 2024 07:00 - 27 minutes - 18.8 MBThe process of paying down or off debt is never ending. Keeping the goals and information in front of eyes is important to achieve this goal. What to do when something goes wrong do not give up adjust and overcome is the order of the day. No links Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: [email protected] Wanting Budget Spreadsheet ...
Debt Reduction or Management Plan
December 31, 2023 07:00 - 23 minutes - 16.1 MBA plan is needed to reduce debt, what to include in every plan and the importance of each item. Following a plan make reducing debt much easier. As there are guidelines to follow and measure success. No links this week. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: [email protected] Wanting Budget Spreadsheet Place Spreadsheet as Subje...
Manuel Budget
December 24, 2023 07:00 - 21 minutes - 15.1 MBWhy do a Manuel budget will an automated budget be faster and better. Having to do the inputs keep the information fresh in mind thus better understanding the budget. Links: https://www.youtube.com/watch?v=qRNrXnSrLWc https://www.youtube.com/watch?v=XYkwa1D1AC4 https://www.youtube.com/watch?v=XYkwa1D1AC4 Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceD...
Tracking Details
December 17, 2023 07:00 - 26 minutes - 18.2 MBWhat is tracking and what to use to make tracking easier. Just taking a few minutes every week will help get debt under control. YouTube Links: https://www.youtube.com/watch?v=XImly72tLw0 https://www.youtube.com/watch?v=300NkycLwiA Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: [email protected] Wanting Budget Spreadsheet Place Spreads...
Start Over Reducing Debt
December 10, 2023 07:00 - 22 minutes - 15.3 MBPerhaps have been trying to reduce debt but not have any success. Try starting over again this time doing thing the correct way and staying on track to reduce debt. This episode is overview of what is needed to get debt under control. Article Links: https://www.nerdwallet.com/article/finance/tracking-monthly-expenses https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/creating-a-budget Support the show Please support the show by subscribing, can cancel at any time. Thanks...
BudgetMaintenance
December 03, 2023 07:00 - 28 minutes - 19.8 MBKeeping a budget up to date Is key to keeping debt under control. Using good information on a timely basis is key to finding and fixing problems before it becomes a problem。 Article Links:https://www.experian.com/blogs/ask-experian/budget-mistakes-to-avoid/ By Evelyn Waugh https://students.1fbusa.com/money-smarts/common-budgeting-mistakes-and-how-to-fix-them Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https:...
Tracking Revisited
November 26, 2023 07:00 - 29 minutes - 20.3 MBTracking for six months or longer and sometime may make mistakes in posting. What to look out for in the app. Setting up recurring posts and fixing older posts. Article Links: none found. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: [email protected] Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/li...
Plan for Debt Reduction
November 19, 2023 07:00 - 24 minutes - 16.7 MBHaving a plan to reduce debt makes the process much easier. What is the plan and where to find a plan. Article Links: https://www.thebalancemoney.com/debt-elimination-plan-2385990 By Courtney Johnston Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: [email protected] Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happy...
Start Reducing Debt
November 12, 2023 07:00 - 28 minutes - 19.6 MBThe basic rules of staying debt free how to go about getting high interest debt gone. Not an easy task but can be done once the rules are applied consistency. It starts with knowing there a problem and a plan to get the problem under control. Article Links: https://www.tiaa.org/public/learn/retirement-planning-and-beyond/managing-your-money/seven-steps-to-more-effectively-manage-and-reduce-your-debt https://www.consumerfinance.gov/about-us/blog/how-reduce-your-debt/ By Courtney-Rose Dantu...
How to Stay Debt Free
November 05, 2023 06:00 - 26 minutes - 18.4 MBThe basic rule of personal finance is simple, but most forget about them. These are the basic rules to remember and put into use daily. There are some debts that cannot avoid and are necessary for everyday life. Knowing how to manage debt can help avoid getting deeper into debt. Article Links: https://suitsmecard.com/blog/9-essential-rules-of-personal-finance-that-you-should-follow https://www.bankrate.com/banking/simple-money-rules-to-live-by/ Support the show Please support the show by...
Big Purchases
October 29, 2023 06:00 - 20 minutes - 14.2 MBManaging large cost purchase is the basis of this episode. An auto or home the day will come when face with these decisions. What to do and how to approach the challenge. Article Link: https://www.houselogic.com/remodel/budgeting-contracting/best-time-of-year-to-buy-things-for-your-home/ https://www.nerdwallet.com/article/finance/what-to-buy-every-month Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www...
Everything to Reduce Debt
October 22, 2023 06:00 - 31 minutes - 21.8 MBUsing the control center to help reduce spending is a benefit of doing a control center. Seeing where money is going and taking control of spending help reduce debt. Keeping spending under control is necessary and is easy to do once know where the money is going. This episode will cover everything needed to control spending. Article Links: https://navicoresolutions.org/resources/blog/5-money-management-basic-habits-for-financial-success?gad=1&gclid=Cj0KCQjw7JOpBhCfARIsAL3bobeIFE1nz6I4LqCN92...
Debt Reduction Plan
October 15, 2023 06:00 - 29 minutes - 20 MBGetting debt under control a plan is needed. Debt Reduction Plan must do more than just reduce debt to be successful. More about the Happy giraffe Debt Spreadsheet to work with every plan. Article Link: https://Happygiraffe.org/live Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: [email protected] Wanting Budget Spreadsheet Place Spreadsh...
Alternate To Control Center
October 08, 2023 06:00 - 34 minutes - 23.6 MBThere is another way to account for finances but before starting on that option going to follow up on some control center items. Article Link: https://Happygiraffe.org/live Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: [email protected] Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live h...
Starting Control Center
October 01, 2023 06:00 - 32 minutes - 22.6 MBControl Center is nothing more than a budget, this is the easy way to create and update the control center every week so knowing what happening in finance is current. Starting with the most simple budget for those who are struggling to pay down debt. Article Link: https://www.nerdwallet.com/article/finance/budget-worksheet By Lauren Schwahn Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout....
Fix MIstakes start Tracking
September 24, 2023 06:00 - 31 minutes - 21.7 MBKnowing the problems with personal finance the first fix is start tracking. Tracking is simple and once started does not require much time if kept up to date. Article Links: https://www.nerdwallet.com/article/finance/tracking-monthly-expenses Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: [email protected] Wanting Budget Spreadsheet Pla...
Personal Finance Mistakes
September 17, 2023 06:00 - 26 minutes - 17.9 MBMost problems start with mistakes, in personal finance not doing things is a mistake. Knowing what to do is the best way to avoid the debt cycle and budget crisis staying inform with finances is the way to start. Article Links: https://www.investopedia.com/personal-finance/most-common-financial-mistakes/ By Emily Norris https://www.equifax.com/personal/education/personal-finance/top-money-mistakes/ Support the show Please support the show by subscribing, can cancel at any time. Thanks...
Benefits of Debt Reduction Plan
September 10, 2023 06:00 - 30 minutes - 20.9 MBGetting control of personal finances and stopping creditors calls are a couple of benefits. This is a plan for the do it yourselfer and is easy to start and stay on track. Article Links: https://www.bankrate.com/personal-finance/debt/pros-cons-of-debt-relief/#consolidation By Holly Jonson https://www.nerdwallet.com/article/finance/find-debt-relief By Dev O’Shea Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: ht...
Benefits of Control Center
September 03, 2023 06:00 - 31 minutes - 21.3 MBHaving and keep a budget up to date has benefits. Tracking will help in this process but putting the number in front to compare what happen is a big factor in getting personal finances in order. Article Links: https://www.investopedia.com/financial-edge/1109/6-reasons-why-you-need-a-budget.aspx By Amy Bell https://www.incharge.org/financial-literacy/budgeting-saving/budgeting-benefits/ By Michael Knisley Support the show Please support the show by subscribing, can cancel at any time. T...
Benefits of Tracking
August 27, 2023 06:00 - 26 minutes - 18.4 MBMost do not keep track of spending, which is when problems can and will start. Too much debt is cause by spending too much money and unaware of that problem. Article Links: https://www.myhubble.money/blog/the-benefits-of-tracking-your-spending-habits https://www.lifehack.org/482228/5-surprising-benefits-of-tracking-your-spending By Sharen Ross https://oboloo.com/blog/the-importance-of-keeping-track-of-expenses/ Support the show Please support the show by subscribing, can cancel at a...
Debt Problem Overview
August 20, 2023 06:00 - 26 minutes - 18.1 MBHave debt problems this episode talks thru all the steps to getting debt under control. Beginning with identifying the problem and the steps to take to tackle this problem. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: [email protected] Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www...
Reduce Debt Tips
August 13, 2023 06:00 - 25 minutes - 17.7 MBWhat it takes to pay off credit and tips and tricks to make the process easier. Do it yourself is the cheapest way to reduce debt but must be able to make tough decisions then carry thru with them. Article Links: https://finred.usalearning.gov/Money/DebtTraps https://www.nerdwallet.com/article/finance/find-debt-relief By Bev O’Shea https://www.consumerfinance.gov/about-us/blog/easy-remember-guidelines-help-people-reduce-credit-card-debt/ By Susan Kerbel Support the show Please support th...
Setting Up Budget
August 06, 2023 06:00 - 30 minutes - 21.2 MBOnce tracking has been done for the last 30 plus days, now it time to start a budget or control center. The tracking will make the control center easier to setup and to maintain. Vacation time and how that affect the tracking and budgeting process. Article Link: http://mappingyourfuture.org/money/budget.cfm Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: Redu...
Tracking Basics
July 30, 2023 06:00 - 25 minutes - 17.2 MBKnowing the basics of personal finance, the tracking makes more sense. Everything will start to fall into place as to the importance for personal finance. Tracking of monies into and out of checking will start to full fill the five aspects of personal finance. Then creating a budget will be the control center to increase savings and achieving other goals. Article Link: https://www.nerdwallet.com/article/finance/tracking-monthly-expenses Support the show Please support the show by subs...
Personal Finance Basics
July 23, 2023 06:00 - 31 minutes - 21.8 MBKnowing the basics about personal finance is necessary for debt reduction. Everyone should understand personal finances to plan and pay bills. This includes savings for future purchases and taking care of basic needs. Article Link: https://www.annuity.org/personal-finance/ By Terry Turner Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWe...
Option to Doing a Budget
July 16, 2023 06:00 - 25 minutes - 17.9 MBDoing a budget to much time and want a different approach to help reduce spending. How about find out the amount of money available to spend on a weekly basis. This spreadsheet will give you that information. This is new topic in the traditional budgeting process. Allocation of money received to an expense to ensure the timely payment is necessary. How to incorporate this into traditional budgeting spreadsheet. Will talk about another spreadsheet that computes your weekly unspent money. A...
Debt Reduction Plan Budget
July 09, 2023 06:00 - 34 minutes - 23.6 MBHaving problems reducing debt, this is how to get started on that process. Going to expand on the allocation money in the control center. (Budget). Article Links: https://www.equifax.com/personal/education/debt-management/creating-debt-reduction-strategy/ Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: [email protected] Wanting Budget S...
Advance Budgeting Items
July 02, 2023 06:00 - 32 minutes - 22.4 MBOnce the budget in place and a few months has pasted it time to add items to help with credit score and overall financial health. Using percentages as a guideline. When using an app learn how the app works before starting the app. Take time to learn the app in the long term this will be beneficial. Article Links: https://www.budgetsmadeeasy.com/household-budget-percentages/ Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscr...
Budget from Tracking Categories
June 25, 2023 06:00 - 30 minutes - 20.8 MBMaking and keeping a budget needs to be simple, or it will not work. Here is a way to do a budget the easy and fast. Referring to using tracking app by printing out a report to develop the budget. Budgeting is to help identify problems and adjust to reach goals. Not just to reduce spending and make life less enjoyable. Article Link: https://www.myjar.app/blog/budget-exhausted-know-the-reason-behind-this-failure Support the show Please support the show by subscribing, can cancel at any tim...
Tracking Income & Expenses
June 18, 2023 06:00 - 27 minutes - 19.2 MBAll the debt has been identified now it time to start tracking all income and spending. Knowing how much money is in the checking account and monies owe is important to reducing debt. Emergency fund in detail how to setup different savings categories for uses as needed. Article Link: https://www.wellsfargo.com/financial-education/basic-finances/manage-money/cashflow-savings/track-spending/ https://financebuzz.com/how-to-track-spending By Taylor Medine Support the show Please support the...
Tracking Debt
June 11, 2023 06:00 - 20 minutes - 14.3 MBDebt problems this is the first place to start. Tracking debt the how and why to get debt under control. Tracking is more than just debt also includes income, and spending. Article Link: https://www.nerdwallet.com/article/finance/debt-tracker by Lauren Schwahn and Sean Pyles Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: [email protected] ...
Spending Leaks
June 04, 2023 06:00 - 30 minutes - 21 MBSpending too much but not sure or just living paycheck to paycheck how to fix these problems. Always thinking about spending money almost everything do and see try’s to get us to spend money. Lets see how to stop that type of spending. Article Link: https://www.ruleoneinvesting.com/blog/financial-control/spending-money-wisely/ By Phil Town https://www.unexpectedlydomestic.com/where-does-all-my-money-go/ Support the show Please support the show by subscribing, can cancel at any time. Th...
Almost Debt Free Now What
May 28, 2023 06:00 - 28 minutes - 19.5 MBGetting closer to being debt free now what to do with the money. Tracking and still have a control center is a must. No reason to go back to old spending habits. Article Link: https://www.maggiegermano.com/blog/what-you-should-do-after-paying-off-debt/ by Maggie Germano Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: [email protected] Wan...
Budget Made Simple
May 21, 2023 06:00 - 28 minutes - 19.9 MBControl center is the second most important part of the personal finance. Keeping spending under control and know what and where money is going is key to reducing debt and increasing savings. Article Link: https://www.huntington.com/learn/budgeting/how-to-make-a-budget Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: [email protected] Want...
Money In, Money Out
May 14, 2023 06:00 - 29 minutes - 20.4 MBThat is what most checking account are doing. The first and most important part of debt reduction is tracking all spending and income. Doing this will help as knowing when and where money is going is key to understanding the debt problem. Once understanding debt then creating a solution is easier. Article Link: https://www.nerdwallet.com/article/finance/tracking-monthly-expenses By NerdWallet Support the show Please support the show by subscribing, can cancel at any time. Thanks for the ...
How People get into Debt
May 07, 2023 06:00 - 30 minutes - 21 MBIs the question everyone should ask themselves. This is important to know so the problem can be fixed. Then steps to get rid of debt can be taken. This episode is first in a series to become debt free. Article Link: https://www.debt.com/news/how-do-people-get-into-debt/ By John Boitnott https://finred.usalearning.gov/Money/DebtTraps Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/9618...