300 episodes

The Follow Me out of Debt podcast is an easily-digestible show that's brought to you once a week, every week. Tom has taken the advice from well-known authors and show hosts, including Dave Ramsey, Clark Howard, and others - and is combining this into his own personal strategies to show you what works (and what doesn't) to get out of debt and get into prosperity.

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.

    • Christianity

The Follow Me out of Debt podcast is an easily-digestible show that's brought to you once a week, every week. Tom has taken the advice from well-known authors and show hosts, including Dave Ramsey, Clark Howard, and others - and is combining this into his own personal strategies to show you what works (and what doesn't) to get out of debt and get into prosperity.

    FMOOD 0386: Don't Sell Yourself Short

    FMOOD 0386: Don't Sell Yourself Short

    It's human nature to settle in times of desperation. This applies to many different things, including our choice of vocation. 
     
    We are living in uncertain times, and both the economy and job markets don't hold the same sense of security for us as they did just several months ago. Folks are losing their jobs or are taking jobs that they are overqualified for because certain situations have made this necessary.
     
    Don't sell yourself short. If you have certain qualifications, specialties, and talents, you want to make sure that you are aligning yourself correctly to make sure that you get paid what you're worth. Don't allow fear and uncertainty to prevent you from doing exactly what you were meant to be doing. God bless.

    • 10 min
    FMOOD 0385: What's New This Month (April 2020)

    FMOOD 0385: What's New This Month (April 2020)

    It's time for a monthly check-in to discuss what I've been up to as it relates to getting out of debt and getting into prosperity.
     
    I think that it's a good idea for us to touch base once a month to see where things are at on my personal journey to get out of debt and get into prosperity, and hopefully it inspires you to continue forging ahead with your goals as well. God bless.

    • 5 min
    FMOOD 0384: The Savings Game

    FMOOD 0384: The Savings Game

    Here's an alternative to paying down debt that might actually help you to pay things off even faster. I'd like to introduce you to something that I like to call The Savings Game. I would say that it's more of a strategy than a game, but it's more fun to refer to this as a game, right?
     
    Ideally, you'll want to check with your bank or credit union to see if the savings account can be set up to not directly tie in with your checking account. In other words, your savings account has a built-in way to stay protected from taking cash out of this account at the ATM or spending from the account via your debit card. 
     
    If you can save money above and beyond your starter emergency fund in your savings account to an amount that you can use to pay off one or more of your credit cards and loans, you can knock them out in one high-octane blow. What's great about this is that you'll also boost your credit score at the same time by making a larger-than-normal payment and quickly reducing the amount borrowed and increasing the amount of credit available to you.
     
    I hope that this alternative method allows for some folks to be able to pay off their debts faster by taking the anxiety and fear out of the equation. God bless!

    • 11 min
    FMOOD 0383: The Best Advice for Your Stimulus Check

    FMOOD 0383: The Best Advice for Your Stimulus Check

    What do you plan to do with your stimulus check? This is going to vary based on individual situations, of course.
     
    Some folks are now unemployed due to this pandemic or have a reduction in hours, and some folks are blessed to continue earning income as they were before.
     
    With this in mind, the stimulus needs to immediately go towards living expenses for some. For others, it may not be necessary to use the stimulus for living expenses at all, and in essence, it's simply extra and unexpected money.
     
    Wherever you may fall in that spectrum, the last thing that you want to do is to screw this up. Chances are, there won't be further stimulus opportunities to use as a do-over if you don't get this one right.
     
    You have one chance to utilize this as an opportunity to improve your situation and to allow this stimulus to lessen your anxiety as a savings security blanket in the interim while you wait to make a decision. The bottom line is to be smart, be patient, and do what's best for your current situation. God bless.

    • 11 min
    FMOOD 0382: The New Economy

    FMOOD 0382: The New Economy

    Will the new economy change the way that we work, shop, and define our wants versus our needs? I think so.
     
    While working from home has become more prevalent, it's not a new idea. However, this among other changes are becoming more generally accepted, and I think that this may carry over past the current pandemic that we're facing to become a new norm.
     
    We're also learning how to live with less. We are adapting to getting better at defining our wants versus our needs, and we are doing without because we have to right now in these current circumstances.
     
    With that being said, this will also likely become the new normal for us, which means that we'll be able to prevent unnecessary purchases from holding us back from getting out of debt once this is all said and done. There truly is a sliver lining as long as we're willing to look for it, so please keep that in mind. God bless.

    • 10 min
    FMOOD 0381: What's New This Month (March 2020)

    FMOOD 0381: What's New This Month (March 2020)

    It's time for a monthly check-in to discuss what I've been up to as it relates to getting out of debt and getting into prosperity.
     
    I think that it's a good idea for us to touch base once a month to see where things are at on my personal journey to get out of debt and get into prosperity, and hopefully it inspires you to continue forging ahead with your goals as well. God bless.

    • 15 min

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