Pay attention - not interest. For most, that’s all it takes to get their money under control. That’s how Steve and his wife got out of debt completely - even the mortgage…and you can too! Your host, Steve Stewart, shares his extreme-but-proven ways that money really works. The show isn’t just about making a Money Plan (aka: a budget). Steve also explains what’s really wrong with credit cards and credit scores (spoiler alert: It’s not what you think). You’ll also learn about rich habits, how ...
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Follow Me Out of Debt | Get out of debt and get into prosperity!
Tom Merlino | Tom is inviting you to follow him on his journey to get out of debt and get into prosperity.
The Follow Me Out of Debt podcast is an easily-digestible show that's a unique peek into Tom's personal strategies that will show you what works (and what doesn't) to get out of debt and get into prosperity. This isn't your typical get-out-of-debt show like others you may have heard before from other well-known authors and show hosts, including Dave Ramsey, Clark Howard, and others. Instead, Tom is taking only the best and most recent and relevant information that's out there and distilling ...
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Don't forget to stay tuned during this brief hiatus by going to followmeoutofdebt.com for links to the best deals, ideas for saving money, life insurance at the most affordable rates, and much more.
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Getting laser-focused on paying off debt requires a comprehensive approach that combines clear goal-setting, strategic planning, disciplined budgeting, and unwavering commitment.
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FMOOD 0522: How to Find the Best Deals on Clothing
4:48
4:48
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4:48Just because you’re in the process of getting out of debt doesn’t mean that you need to wear the same tired outfits day in and day out.
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If you’ve been looking into possible work from home opportunities as a means to provide supplemental income or replacing the typical job requiring a commute, there are several legitimate work-from-home jobs across various industries.
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FMOOD 0520: How to Reduce Your Credit Card Interest Rate
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4:20
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4:20The other day I decided to do something that I’ve been meaning to do for a long time. I wanted to take a larger look at my credit cards and list out the annual percentage rates, balances remaining, and a plan to reduce any higher interest rates on those cards.
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FMOOD 0519: How to Significantly Reduce Debt This Year
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4:00Embarking on a journey to significantly reduce debt is always a commendable goal. Let’s do this using a holistic approach to kickstart your debt reduction plan for the new year.
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We are going to be heading into a new year soon, and I thought it would be important to set everything in motion to make the most of it, right from the start.
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FMOOD 0517: Building an Emergency Fund on a Tight Budget
3:58
3:58
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3:58Building an emergency fund on a tight budget can be challenging, but it's a crucial step toward financial stability.
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FMOOD 0516: Is It Important to Be Debt-Free?
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5:06This shouldn’t come as a surprise, but the answer is a resounding YES! Of course it’s important to be debt-free! Being debt-free is an important financial goal for several reasons.
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FMOOD 0515: Baby Steps to Paying Credit Cards
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5:45Taking baby steps to pay off credit cards is a practical and manageable approach to reduce debt without feeling overwhelmed.
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FMOOD 0514: Understanding Credit Scores and Debt
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5:44
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5:44The relationship between credit scores and debt management is intricate and has a significant impact on a person's financial health.
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Imagine waking up to a world where the relentless burden of debt no longer holds you captive.
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Getting out of debt isn't just about money; it's a journey filled with emotions. It touches every aspect of life, from our daily routines to our self-esteem.
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Misconceptions about debt often lead to financial decisions that may not be in one's best interest.
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FMOOD 0510: When You’re Not Making Any Headway
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4:55
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4:55I understand how disheartening it can be when it feels like you're not making any headway in your journey to get out of debt. The weight of financial struggles can be overwhelming, and at times, it may seem like there's no end in sight.
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Now, you’ve heard of the debt snowball method and the debt avalanche method, but have you heard of the debt snowflake method?
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To begin to stop using credit cards, let’s first picture a new financial chapter marked by liberation from credit card dependency.
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FMOOD 0507: Staying Focused While Getting out of Debt
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4:55
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4:55I understand how challenging it can be to stay focused while trying to get out of debt. It's not just about the numbers. It's about the emotional journey too.
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Getting out of debt may not be easy, but remember my friends, the road to being debt-free might have a few twists and turns, but with these strategies in your toolkit, you're well on your way to victory!
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FMOOD 0505: The Best of FMOOD: Interview With Amberly Lago
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53:45In this best of FMOOD episode, we're revisiting the incredible interview that I had from episode 318 with Amberly Lago.
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FMOOD 0504: Mastering the Art of Negotiation
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5:21
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5:21Mastering the art of negotiation is a highly valuable and sought-after skill that can positively impact various aspects of your life, both personally and professionally.
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The Mint app, developed by Intuit Inc., is a highly acclaimed personal finance management tool that has garnered immense popularity for its user-friendly interface, robust features, and exceptional usefulness. Designed to cater to users' diverse financial needs, the app offers a wide range of benefits that make it an indispensable companion on the …
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I want to inspire you today to be your own boss. Even if you don’t go all of the way and quit your job to become a full-time entrepreneur but simply start a business to earn additional income, you can still be your own boss on a part-time basis.
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A growth mindset is the belief that one's abilities, intelligence, and talents can be developed through dedication, effort, and continuous learning. It is the understanding that skills and qualities are not fixed traits but can be cultivated and improved over time.
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Living frugally can help you to save money, reduce expenses, and achieve your financial goals.
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FMOOD 0499: Managing Finances as a Married Couple
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4:54
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4:54Money and relationships, especially within the context of marriage, can be a complex and sensitive topic.
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FMOOD 0498: 10 Easy Steps to Being Laser-Focused
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5:57Today we’re going to be going over 10 easy steps to help you to be laser-focused when working on a project, task, or goal. Here’s the bottom line: when you’re laser-focused, you will accomplish more and in less time.
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FMOOD 0497: Small Business Tips: 25 Creative Ways to Attract More Clients
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9:20
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9:20I’ve been a business owner for many years, but I made it official back in 2007. With this in mind, I wanted to add a new component to this show and spend some time talking about tips to help out other small business owners out there.
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Reducing or eliminating consumer debt can have numerous benefits for individuals and their overall financial well-being.
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The key to budgeting for small groups is to take the boring aspect out of budgeting and make this a more entertaining event for all involved.
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Meet Sarah, a young professional who started her journey with significant student loan debt and minimal savings. Determined to take control of her finances, she embarked on a journey of financial discipline and strategic planning.
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The psychology of money refers to the study of how people's attitudes, beliefs, emotions, and behaviors are influenced by money and financial matters. It explores the complex relationship individuals have with money and how it impacts their decision-making, financial well-being, and overall satisfaction in life.…
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Mint is a popular budgeting app that helps you to track your spending, create a budget, and manage your finances.
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FMOOD 0491: Healthy Ways to Manage Your Credit
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6:01
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6:01Credit management refers to the process of managing your credit usage and payments in order to maintain a good credit score. Your credit score is a numerical representation of your creditworthiness and is used by lenders to determine whether or not to approve you for credit and at what interest rate. Your credit score is also used in other ways as …
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Receiving a large raise in income can be an exciting and empowering experience. It can open up new opportunities for financial stability, security, and growth. However, it can also be overwhelming and even stressful, especially if you're not sure how to manage your newfound wealth.
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Setting up automatic transfers from your checking account to your savings account can help you to save money without even thinking about it.
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FMOOD 0488: Personal Finance Stages (Stage 4: Retirees)
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4:05Remember, retirement is a time to enjoy the fruits of your labor, but it's important to be financially responsible to ensure that your retirement is comfortable and stress-free.
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FMOOD 0487: Personal Finance Stages (Stage 3: Families)
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3:47
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3:47What’s unique about discussing personal finance as it relates to families is that you will be in a position to not only improve finances as a married couple, but you’ll also be able to teach your kids about money at the same time.
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FMOOD 0486: Personal Finance Stages (Stage 2: Young Professionals)
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5:43As a young professional, it's important to start thinking about your personal finances early on to set yourself up for a financially stable future.
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FMOOD 0485: Personal Finance Stages (Stage 1: Students)
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5:26
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5:26Over the next few weeks, I’ll be talking about personal finance as it relates to different stages. It will go in order of youngest to oldest ages, so on today’s episode, the focus is on personal finance for students. If you aren’t a student but know of a student or another young person who could benefit from this particular episode, please be sure …
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FMOOD 0484: Budgeting Using the 70-20-10 Rule
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5:34
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5:34When it comes to budgeting and using a percentage structure for certain categories related to personal finance, it's important to have a clear understanding of your income and expenses.
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FMOOD 0483: A Sneak Peek Into True Debt Freedom
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5:19
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5:19Being completely debt-free can be a liberating and empowering feeling. It means that you no longer have any outstanding loans or payments to worry about, and you have complete control over your finances. Be sure to listen to this episode again and again.
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Living frugally means being intentional about your spending and finding ways to reduce expenses without sacrificing your quality of life.
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FMOOD 0481: The Steps to Pay off Any Credit Card
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5:57
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5:57Paying off a credit card may seem like a daunting task, but there are simple and straightforward steps that you can take to pay off any credit card.
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FMOOD 0480: Getting on the Path to Financial Freedom
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4:15
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4:15Getting out of debt can be a daunting task, but it is not impossible. With a plan and a bit of discipline, you can get on the path to financial freedom, with getting out of debt being your first step.
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A personal checkpoint is a way for us to see how we’re doing with a particular goal. It’s important because if we don’t check in from time to time, we won’t really be able to measure our progress and discover what might be hindering our goals.
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Use your imagination and see if you can figure out ways to earn your way out of the mess rather than borrowing your way out or robbing your own rainy day fund for something that you could have resolved in a completely different manner.
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FMOOD 0477: What Happened When I Saved 10% Of Earnings
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5:53
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5:53I decided not too long ago to see what would happen if I saved 10% of my income and stashed it away in my savings account. My goal was to simply save 10% of my earnings to see just how easy it could be if I was chose to be consistent with this new habit.
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Grocery prices continue to go up. For whatever reason, we are seeing a steady increase in the total at the registers. For those of us who budget a set amount for groceries each month and need to keep adjusting that amount, this can be annoyingly frustrating. Here's what to do.
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Typically, the first move when we are trying to fight this fire is to watch every dime that we’re spending.
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