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Believe that you are a helpless victim of your situation, and you'll always be powerless to change it. Believe that you have the power to change your life, and you'll be unstoppable! CentsAble Bobbi shares 5 ways to go from financial victim to financial victor, regardless of age, race, gender or financial status! www.centsablechat.com

If you’re preparing for the worst or just trying to squeeze more money out of your paycheck, don’t wait for a raise or someone to bail you out. There are things that you can do on your own!
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Are you bargain-hunting to save money, or just for the sake of a sale? If it's the latter, you could be falling into the debt trap. The only way to truly save money is not to spend. CentsAble Bobbi offers 5 ways to save without a sale - and what to do with the money you save! Visit www.centsablechat.com for more episodes, blog posts, videos & resources!

Welcome to Christmas hangover season! Not only is it back to a normal work schedule, but all the credit card statements are coming in and, with it, a lot more stress. The good news is that, regardless of your income level or how much debt you have, getting rid of it is possible. People from every walk of life have done it, and you can too! CentsAble Bobbi shares her top 5 ways to pay off debt quickly! Visit www.centsablechat.com for more resources!

January is the perfect time to start planning for next Christmas, to avoid debt, reduce financial stress and still show your love! CentsAble Bobbi shares 5 ways to pay cash for Christmas, plus 5 alternatives to buying gifts.

Facing Your Fears
Fact or fiction?

Do we really deal with our fear and anxiety about money, or just push it out of our minds, hoping it will go away? That never works! So, what does? Mike Pumphrey, Founder of EmpathicFinance.com, suggests focusing on what’s really happening, instead of the outcomes we fear. Take the time to truly understand your situation, so you can deal with it effectively.
Preparing for the Next Financial Crisis
What works and what doesn't
Another financial crisis is coming; it’s just a matter of time. Use the good times to prepare for the not-so-good. Mike Pumphrey says “ride the booms, but be prepared for the busts!” One of the biggest financial crises people fear is losing a job. The best way to overcome that fear is to plan for it! Build an emergency fund that allows you to eat and keep a roof over your head, while you’re looking for a new job! The emergency fund buys time and peace of mind.
Reducing Financial Anxiety
Fight feelings with facts!
There are no monsters under the bed! Take a look, just to be sure! You may believe you are powerless to change your financial situation. In reality, you’re the only one who can! Be honest with yourself and find out if you have an income problem or a spending problem. Creating your financial picture will help you find the answer. Income problems can be solved by adding more income. Track your spending to learn the truth about how you spend, then budget to spend in line with your values, and reduce financial stress.
“CentsAble” Bobbi greatly appreciates the support received over the last three years from the great guests to the inquisitive listeners asking pertinent questions about budgeting.
CentsAble Chat is going on hiatus for a while, to revamp programming. To get your budget in shape, go to CentsAbleChat.com. While you’re there, be sure to subscribe to the CentsAble Chat Newsletter, so you’ll be the first to know when new episodes are available.