52 episodes
Saving For Your First Home Carolyn
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- Education
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5.0 • 2 Ratings
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Can you guess what Saving For Your First Home Podcast is all about? The biggest challenge to purchasing property is coming up with a down payment. This podcast is designed to give you all of the tools and resources to plan, save, and invest in your first home. We will give you a blueprint with a step by step plan. It includes industry expert interviews, Q and A sessions and educational episodes.New episodes are released every Thursday so be sure to subscribe!Join our community by downloading a FREE guide with 10 tips to keep your budget on track https://thefinancialmoment.com/budget-tips
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52: Honestly... Do You Want Financial Independance?
What if there was a way to live your life uninhibitedly, freed from financial stress?
Join me, your personal money coach, as I unravel the intriguing concepts of financial independence and the FIRE movement. Reflecting on my 25th wedding anniversary getaway, I delve into how the principles of financial independence can grant you the liberty to live life on your own terms, without the constraints of money. From a look at the Financial Stress Index to the escalating grocery costs, we'll scrutinize how these financial pressures weigh on Canadians, and I'll offer my nuggets of wisdom on crafting a life of freedom and self-reliance.
Links mentioned:
30 Day Fall Money Tune Up
FP Canada Stress Index 2023
Join the The Financial Moment community on:
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Website
Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
Submit guest suggestions HERE -
51: Fall Financial Tune-Up: Managing Seasonal Spending and Overcoming Money Pitfalls
One of the rules that my Mom had growing up was not to turn the heat on until November 1st - a unique practice I've carried over into my home every fall. (One that my family doesn't quite appreciate 🥶). This episode unravels a few more realistic tricks, tips, and strategies using a fall financial tune-up. From back-to-school expenses to holiday shopping, this season can be a spending trap. But don't worry, together we'll sail through the sea of seasonal spending, armed with savvy financial strategies.
I'm sure you've found yourself lured by shiny new toys or swiping your card for those irresistible Black Friday deals? You're not alone. We all have our financial pitfalls. This episode is your opportunity to identify and overcome them. Whether you're struggling with procrastination, forgetting to save for emergencies, or considering investing – we discuss it all. Let's get ready for fall and kickstart the season with our to-do list from thefinancialmoment.com/falltuneup. Let's face the season of spending with financial wisdom and preparedness!
Links mentioned:
https://thefinancialmoment.com/falltuneup
Join the The Financial Moment community on:
Instagram
Facebook
Website
Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
Submit guest suggestions HERE -
50: It's About That Time For A Money Tune Up!
Struggling with financial strain is something many Canadians can relate to. Recently, there have been many trending videos on TikTok showing the despair Canadians feel about the current conditions in Canada. This week, we're stepping into their shoes and exploring how to navigate through the current economic struggles within our country.
Then we lay down practical steps with our 'fall tune up' strategy. We will begin to understand why adapting to and adjusting is key to reaching our financial goals. Stay tuned for an engaging dialogue filled with actionable advice, oriented to transform your financial roadmap.
Links mentioned:
https://thefinancialmoment.com/falltuneup
Join the The Financial Moment community on:
Instagram
Facebook
Website
Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
Submit guest suggestions HERE -
49: How To Overcome Financial Challenges
Ever feel overwhelmed by the financial realities of adulthood? Student loan debt, unemployment, and credit card woes can all seem like insurmountable challenges. But what if I told you there's a way to navigate these financial hurdles? In this episode we dissect these financial challenges and give you a roadmap to overcome them.
We'll talk about the real truths about student debt and explore repayment options. Show you how to not just survive, but thrive, even when faced with unemployment. We’ll also expose the realities of health coverage, helping you manage medical expenses, and unravel the intricacies of credit card debt. Plus, we'll delve into making informed decisions on renting versus buying a home, tackling financial windfalls, and guarding your personal information.
It's not just about overcoming these financial hurdles; it's about taking control and building a strong foundation for your financial future. So, are you ready to conquer your financial challenges? Tune in, and let's journey towards financial freedom together.
Links mentioned:
https://www.nerdwallet.com/article/credit-cards/how-is-credit-card-interest-calculated
Join the The Financial Moment community on:
Instagram
Facebook
Website
Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
Submit guest suggestions HERE -
48: Navigating Your First Home Purchase (Part Two) with Talia Thomas
In this episode of the podcast we continue our in-depth conversation with Talia Thomas, an upcoming realtor in the GTA. She helps to unravel the intricate process of home buying. We'll take you through the financial implications beyond the standard down payment, and enlighten you about those hidden costs like closing costs, home inspection fees, and appraisal fees that may catch you off guard. Talia, with her refreshing take on the real estate market, emphasizes the significance of maintaining a good credit score and how spending habits can influence your home buying process.
Although home buying involves managing finances, it's also about finding the right place that corresponds with your needs and that best fits into your budget. We'll guide you on how to evaluate homes and work with agents to make this overwhelming process a so much simpler.
Most importantly, we'll share some practical tips on how to balance your needs and wants with your budget, and how realtors can help you navigate through this mammoth task. So, get ready to arm yourself with all the necessary knowledge to make confident strides towards home ownership.
Links mentioned:
Talia Thomas on Instagram
Join the The Financial Moment community on:
Instagram
Facebook
Website
Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
Submit guest suggestions HERE -
47: Navigating Your First Home Purchase with Talia Thomas
Get ready to understand the complex world of real estate, especially for first-time buyers, as we welcome Talia Thomas, a rising star among Toronto realtors. Promising to provide not just knowledge, but guidance and clarity, this episode is packed with practical advice for the aspirational homeowner. Talia gives her take on the current state of the GTA real estate market and offers a roadmap for those looking to make their first purchase. The episode starts off by stressing the value of financial readiness and the role of a well-planned budget, with Talia sharing her insights on these critical first steps.
Sounds daunting? I've got you! The episode also covers several government incentives like the Home Buyers' Plan and the First Time Home Buyers Incentive to help soften the financial blow. Talia opens up about the most affordable housing options across Ontario and suggests smaller cities as potential alternatives. More than just buying a house, it’s about achieving your financial goals and Talia shares her wisdom on setting these goals and the importance of a solid plan to realize them.
Ready to turn your homeownership dream into a reality? Tune in and let's get started!
Links mentioned:
Canadian Government incentives
Follow Talia Thomas on Instagram
Join the The Financial Moment community on:
Instagram
Facebook
Website
Email: info@thefinancialmoment.com
Grab this FREE guide with 10 easy tips to keep your budget on track!
Submit guest suggestions HERE
Customer Reviews
Useful and Relatable
Valuable perspective and really useful information. Carolyn is authentic and relatable. I really enjoyed her soothing voice and gained from the episodes. Highly recommend!