In this podcast, we talk about money mindset strategies that will keep you motivated and focused on your debt-free journey while living on a budget you can afford. I share how Dave Ramsey's Financial Peace University changed my mindset about money. Listen in as I discuss real-life strategies to help you stay on course to get out of debt and achieve your personal finance goals.
Tips From A Travel Blogger - With Melanie Yamaguchi
Now that the world is opening up again and returning to some sense of normalcy, you must be anxious to take a much-needed vacation somewhere.
But if you’re not a frequent traveler or just can’t make up your mind, then today’s podcast will be of use to you! In this podcast episode, I am joined by my good friend Melanie Yamaguchi, who is an avid travel junkie.
By day, Melanie is a senior digital producer and by night, she is a travel blogger at https://outofstate-outofmind.com/.
In this episode, she talks about the benefits of hiring a tour company versus going a la carte. Although it may be expensive upfront, we talk about how it saves a lot of time, money, and headaches.
We also talk about her personal experience being shanghaied in China, and the lessons she learned to prevent it from happening again.
So get inspired by checking out the podcast episode and read her blog at https://outofstate-outofmind.com/ where she blogs about her travels to different places.
Whether you are planning a near vacation or just casually browsing, her blog paints a detailed picture of every place she writes about.
Check out the links below that we mention on the podcast:
Searching for flights:
Skyscanner - https://www.skyscanner.com/
Google Flights - https://www.google.com/flights
Trafalgar - https://www.trafalgar.com/en-us
TravelChic World - https://www.travelchicworld.com/
Discover Digest/KJ International Tours - https://discoverdigest.com/
Airbnb - https://www.airbnb.com/
How Sarah Went To College Debt-Free Using The National Guard School Benefits
In today's episode, Sarah shares how the National Guard allowed her to gain valuable work experience while going to college 100% debt-free.
Sarah shares how members of the National Guard are eligible for tuition assistance.
Depending on your home state, each state offers its members state funded education incentives based on state guidelines and eligibility.
If you or someone you know would like to gain work experience AND go to school debt-free, this episode is for you.
For more information, click this link to learn more: https://www.goang.com/
Do you have a budget but want personalized help to fast-track your success? What would it feel like if you were debt-free sooner than anticipated?
Join my membership and get 30 days for FREE!
Click here to learn more:
How Angela Paid Off $20,000 Of Debt During A Pandemic
# 009 On this episode of the Budget Divas podcast, Angela Leahey shares how had her "sick and tired of being sick and tired" moment (Dave Ramsey reference). She decided to pay off the remaining $20,000 of her student loan debt and achieved that during a pandemic!
She has an amazing story that will motivate you to take action and start getting on a budget to get out of debt and reach your financial goals. She provides her best tips to stay focused and how to surround yourself with the right people to help you on your journey. Angela has so much positive energy and is all around an encouraging and uplifting person.
Stay tuned because this episode is pure GOLD. I had so much fun talking to Angela!
P.S. If you want to start taking action today, I have a free budgeting template that will help you get started. Would you ever take a backpacking adventure without a GPS? What if I told you that if you don't have a budget, it is like you are lost in the woods. A budget is like a GPS for your money. It will help you get back on track and ensure that you stay moving in the right direction in the future.
Go to budgetdivas.com/free and get your free copy today.
Sam Feeney on Planning For College Without Getting Into Debt
Today's guest on the Budget Divas Podcast is Sam Feeney of madetothrive.coach! Sam is a certified college funding specialist who is passionate about equipping parents with the right tools to help guide their student along the college planning process.
In today's episode, Sam shares his expertise on how to select the right college and how to pay for college without incurring a lot of student loan debt.
Sam is also the author of the book, Choose the Perfect College: Help your child ask the right questions, take control of the process, and find the best schools... for them!
How To Stop Saying "I'm So Busy"
Every year I pick a “word of the year” and in 2021 it was margin. In the past, I’ve stretched myself so thin by burning the candle at both ends that my body shut down and made me lie down and rest.
Having margin gives us that wiggle room to BREATHE. Not only in our finances, but in our self-care, and in relationships.
I’ll be honest. I took my relationships for granted, thinking that when I reached my goals, THEN I would spend more time with my family and friends.
2020 happened and it was taken away from us.
Not only because of the world’s situation, but because I couldn’t physically see my family and friends.
I’m a hugger and I couldn’t do that.
Zoom was a nice option but it wasn’t the same.
I found a podcast by Brooke Castillo called “Throw Away Your To-Do List.”
Totally changed my life.
The sentence I stopped saying was “I’m so busy.”
Here’s what happened:
· My relationships got stronger
· My brain felt at ease and I could BREATHE
· I stopped working about the little things and focused on what mattered.
In this podcast, I share my experiences after I implemented the process.
Feeling overwhelmed just by hearing the word budget? Start here.
#006 Feeling overwhelmed just by hearing the word budget? Start here.
Budget overwhelm is a real thing! Especially when we try to do too many things all at once.
Today we are talking about what to do when you feel overwhelmed by that dreaded B word – budget.
Our world is filled with information overwhelm. When you google ANYTHING, ANY TOPIC at all, you will come across hundreds of websites giving you a ton of information.
Should we save for a house first? Should we continue to contribute to our retirement? Should we live off the grid and under a rock until our debt is paid off?
We were in this scenario too.
I remember having this conversation with my husband when we first started budgeting. The interest rates were really low and all of our friends were buying a house. I remember scrolling through the real estate websites just infatuated with the idea of owning a place we could call home.
Then I heard this little voice on my shoulder say – FOCUS ON ONE THING AT A TIME. BECAUSE IF YOU TRY TO JUGGLE TOO MANY PLATES AT ONCE, you know what happens? Those plates will come crashing down. It won’t be pretty. It won’t be music to your ears. You’ll be left with a mess to clean up.
So in the back of my mind… I tried to justify it.
· I NEED a house. It makes sense to buy when the market is good.
· I NEED to save for my kid’s college.
· I NEED TO save for my retirement.
· I NEED TO BE DEBT FREE.
So then I made a mock budget. If I saved this much per month for our house down payment, it will take x amount of months until we can get a house.
Then the remaining can go to debt. So if I allocate this much, I will be debt free in about 7 years.
Then I need to save for my kid’s college. Ok, so I can do this much per month and then he’ll have x amount by the time he heads to college.
Oh wait, I still need to put in money for food, current housing expenses, maybe a date night once in a while… gas for our cars… and … wait did I say food?
It was so overwhelming and all I wanted to do was curl up in a corner with a bag of Doritos and take a nap.
Let’s scratch all of that. The trick is SIMPLICITY. Focusing on one thing at a time.
So if you’re feeling overwhelmed, don’t worry. I’m going to give you three tips that you can do starting right now.
Jennifer has given me more ways to stay motivated as I strive to be completely debt free!
You are not alone!
When your goal seems so far away....listen to Budget Divas pod casts. You don’t have to feel alone through your journey.
She’s been through the ups and downs so she’s been there, done that! laying done the stepping stones for us who’s on our way to financial freedom
From the Heart
I love that Jennifer is relatable in her finances. The podcasts are outlined really well, and she offers a lot of practical tips and resources. The 7-10 minute time block for each podcast is perfect while driving or walking. Can’t wait for more!