Credit

Get Rid of Debt for Good (with Michael Bovee)

I’ve got a question for you. What would it feel like to be debt-free, to start over from a blank page, to not have that stress and worry hanging over you? I would imagine pretty good – but becoming debt-free takes time, some tips and tricks and as Michael Bovee says, it’s all about getting to know ourselves.

Michael is a debt expert and co-founder of Resolve a company that helps people in financial distress navigate their way to financial health. In this chat, Michael shares ways to pay down debt, the nitty-gritty about debt settlement and the ins and outs of filing for bankruptcy. My rule is there is no room for judgment when it comes to debt – life happens, things happen, let this episode be a tool you can use if you or anyone you know find themselves making debt payoff a top resolution for 2020.debt, debt free

What You’ll Learn

  • What do consumer debt levels continue to rise
  • Is all debt bad debt?
  • Some practical ways to get out debt beyond the snowball and avalanche methods
  • What you need to know about debt settlement
  • What you need to know about bankruptcy
  • How student loans are treated in bankruptcy
  • What to do with medical debt

Links

Signature Budget Worksheet

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Episode Transcript

 

Most Asked Money Questions Answered (with Clint Haynes)

Have you ever wondered – how do I know if I’m making the right decisions with my finances? How can I figure out if I’m saving enough money? How do I manage to pay off my student loans and saving for my future?

You’re not alone if these money questions keep you awake at night. Clint Haynes is a CFP, founder of NextGen Wealth and the creator of the Financial Freedom Blueprint. He’s got one simple goal – to help everyone understand the importance of having a financial plan in place so you can hit your goals ASAP and on this episode, I put him in the hot seat to answer all your most-asked money questions.

New podcast episode answering the most asked money questions

What You’ll Learn

  • Clint’s definition of financial freedom and why he’s passionate to help others find it
  • How to figure out if you are making the right money decisions
  • What are some common money blind spots to be aware of
  • How to think about your investments
  • What you need to know before you hire a financial planner
  • How to pay off debt while also saving some cash

Links

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Mom & Dad’s Money Advice is Kind Of Wrong

The money rules that your mom and dad and previous generations lived by no longer work.  As a millennial, you are seeing a very different world. This new world means you’ve got to know what advice still works and what advice just doesn’t cut it anymore.

Join me in a solo episode as I break down the money advice that works and what money advice needs to be shown to the curb.

Mom and Dad's money advice is kind of wrong

What You’ll Learn

  • How to dissect the money advice you received as a child
  • What money advice worked well for our parent’s and grandparent’s
  • Why we need new money advice as millennials
  • What money advice should we keep and how to use it to our advantage

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Create a Money Roadmap Without Being Rich (with Anna Sergunina )

One big common misconception is that you have to have a ton of money to start doing cool things with your money, like growing it or giving it a direction, and that simply isn’t true. Some of the best money moves I’ve made is when I didn’t have a lot but I knew I needed to be really intentional and good things happened because I had a plan in place.

Our podcast guest, Anna Sergunina is also working to blow up that myth. Anna is a kick-ass Certified Financial Planner and the President & CEO at MainStreet Financial Planning Inc., the nation’s largest fee-only, hourly project-based financial planning business. Even though she became a CFP, she still admits that she made all possible financial mistakes as a young adult. Her career goal is to help you understand that you don’t have to be rich to start working on your finances.

How to create a money roadmap without being rich

What You’ll Learn

  • What  are some of the biggest myths that people believe when it comes to money that hold them back
  • What is a money roadmap and how do you create one
  • How do you achieve a money goal without being rich
  • Anna’s story to becoming a CFP and what she’s passionate about teaching
  • Why is everyone talking about money dates

Links

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A Sneaky Way To Build Wealth with Jay Klauminzer

Do you want to know the secret to building wealth? Ok, here it is-  the secret is being smart with your money and leveraging it well. It’s not always about making more money every month but it’s about using what you’ve got in the most effective way day in and day out. And today’s guest Jay Klauminzer from Raise is going to help you do just that by dishing secrets to save money where you shop every day so you can use that cash to fund other stuff you want to do.

What You’ll Learn

  • Powerful ways to save money where you shop on everyday purchases
  • How mobile payments are changing the way we shop
  • How to use gift cards to spend your money wisely
  • Jay’s #1 money lesson that will change the way you think about your finances

Links

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How Did You Learn About Money? Talking Generational Differences Around Money & More With Lucas and Dr. Wayne Pernell

Most of us didn’t grow up with parent’s who taught us about money. Do you even remember how you learned about money? There is radio silence from our parent’s and family members because there is so much shame, guilt, and negative feelings inherent in all of us around money.

I had the pleasure of chatting with Dr. Wayne Pernell, aka Dr. P, on a much-loved previous episode. I was excited to sit down again with Dr. P and his son, Lucas who is in his 20’s, to talk about the generational differences around money and how we can work to break them apart.

What You’ll Learn

  • Why do generational difference exist when it comes to money
  • Is it too late to have money talks with our parent’s, and what should we talk about
  • The biggest money lessons Lucas and Dr. P learned and why each is important
  • How to recognize if you are stuck in a money pattern from your past
  • How your mind might be tripping up how you think, act, and feel about your money

Links

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Posted in Budgeting, Career, Credit, Podcast | Comments Off on How Did You Learn About Money? Talking Generational Differences Around Money & More With Lucas and Dr. Wayne Pernell

Tune Out the Investing Noise & Become a Better Investor with Michele Schneider

We live in a noisy world – there’s noise on social media, noise on the TV, noise at work and noise in the investing world. I have to admit it’s hard to know what to pay attention to, let alone know what to invest in and when.

Michele Schneider, the author of Plant Your Money Tree, is our guest on this episode dishing what you need to know to tune out the investing noise and tune into what you need to know. She’s somewhat of a legend in the investing world and trailblazing woman with pearls of wisdom.

What You’ll Learn

  • How to know what to pay attention to when it comes to investing and what to ignore
  • What role social media is playing in keeping you broke and miserable
  • How Mish turned away from her parent’s goal of her being a teacher to take on the investing world
  • Why you need to understand the 6 phases in the market to become a successful investor
  • Her favorite bits of wisdom from her new book, Plant Your Money Tree

Links

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Dare to Pay Off Your Student Loans with Grant and Ally

Americans owe over $1.56 trillion in student loan debt – and that number is rising each year. So, what would you do to get your student loans paid off? Would you do something that seems scary just to wipe away your debt?

Today’s podcast guest, Grant, and Ally from the new CollegeHumor show, Total Forgiveness, join us to have a lively discussion around student loan debt and the lengths they are willing to go to wave bye-bye to their debt.

What You’ll Learn

  • How Grant and Ally came up with the idea for Total Forgiveness
  • How student loan debt impacts our everyday life
  • Is college still a viable option
  • How to approach paying off your student loan debt
  • Grant and Ally’s money story around student loan debt
  • The crazy lengths they went to in order to pay down their debt

Links

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Build Your Best Credit Score in 2019 with Marsha Barnes

Your credit score has power and that three-digit number has a dramatic impact on your financial future. If you do nothing else this year, grab your credit score the tail and yank it up to 700+ (preferably over 740). You don’t have to go all crazy trying for an 850 score – but don’t get lazy. Even if you have a good score, it could drop tomorrow by one silly mishap.

Marsha Barnes from The Finance Bar will share her best tips to get your score in check for the new year.

What You’ll Learn

  • Why your credit score is a powerful piece of your financial future
  • How to create a better financial brand for yourself
  • Which credit scoring models do you need to care about
  • What action steps you should take this year to raise your score
  • How your score impacts your job and where you live
  • Why Marsha is so passionate about financial literacy

Links

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Posted in Budgeting, Credit, Podcast | Comments Off on Build Your Best Credit Score in 2019 with Marsha Barnes

Get Your FOMO Spending in Shape This Year With Maizie Simpson from Credit Karma

We’ve all been guilty – you see something one of your friends is doing or buying and you want it too. Or, what about that new piece of clothing you’ve been drooling for and then suddenly an ad pops up on a social platform and you take it as “the sign” that you should probably go ahead and buy it? FOMO spending is a real thing that could be hurting your bank account and credit score without you even knowing it.

What You’ll Learn

Maizie Simpson is Credit Karma’s Data and News Editor, producing stories to simplify and humanize the oftentimes intimidating world of money and finance and is sharing all her tips to battle against FOMO spending.

  • How to evaluate whether you’re FOMO spending or you really need an item
  • How FOMO spending your credit score go hand-in-hand
  • Did you know that American’s spend over $100 billion more on mortgages than we need to? How can you use your credit score to beat those odds
  • One of the best ways to raise your credit score and why it matters even if you aren’t purchasing a big-ticket item
  • How to figure out what bills you’re overpaying on so you can negotiate a better deal (without being a negotiation expert)

Links

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Sunday Seven Email Club

Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats, and a whole lotta’ fun!

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Posted in Budgeting, Credit, Podcast | Comments Off on Get Your FOMO Spending in Shape This Year With Maizie Simpson from Credit Karma

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