Episodes
Friday Aug 19, 2016
Episode 1: Are you a saver or a spender?
Friday Aug 19, 2016
Friday Aug 19, 2016
Thank you for listening. First off, we apologize for the audio quality. It will be corrected on episode 3.
- Comment below
- Email us: michael@fiscalfitnessphx.com
- Connect on Twitter: @IamFiscallFit
- Call: (480) 788-4588
- Comment on our Facebook page
- You can find out more about Fiscal Fitness Phoenix financial coaching here
- You can find out more about Financial Coach Academy here
Friday Aug 19, 2016
Episode 2: How to get out of debt
Friday Aug 19, 2016
Friday Aug 19, 2016
Thank you for listening. First off, we apologize for the audio quality. It will be corrected on episode 3.
- Comment below
- Email us: michael@fiscalfitnessphx.com
- Connect on Twitter: @IamFiscallFit
- Call: (480) 788-4588
- Comment on our Facebook page
- You can find out more about Fiscal Fitness Phoenix financial coaching here
- You can find out more about Financial Coach Academy here
Tuesday Sep 06, 2016
Episode 3: Splurging or Sabotaging?
Tuesday Sep 06, 2016
Tuesday Sep 06, 2016
Splurging. We all do it. But when is it ok to splurge and when is it not? What constitutes a splurge? How can you splurge without sabotaging your budget, finances and goals? Should you feel guilty after a splurge? We will dive into those questions and more in this week's "The Saver and The Spender".
- U.S. Olympic medal winners get taxed on prize money and value of medals!!
- Splurging without guilt and without sabotaging yourself
- Carmen's Corner: How to budget for your child's allowance
- Budget Brag: Erica pays for holiday gifts with cash by saving money every paycheck throughout the year
- And much more...
Want to get in touch? We love hearing from listeners!
- Comment below
- Email us: michael@fiscalfitnessphx.com
- Connect on Twitter: @IamFiscallFit
- Call: (480) 788-4588
- Comment on our Facebook page
- You can find out more about Fiscal Fitness Phoenix financial coaching here
- You can find out more about Financial Coach Academy here
Wednesday Sep 14, 2016
Episode 4: Sharing financial responsibilities
Wednesday Sep 14, 2016
Wednesday Sep 14, 2016
People need to know that it is ok to not be the financial savvy person of their relationship. Most relationships have one person that does the bulk of the budgeting and planning and one person that doesn't.
- Best times to book for Thanksgiving and Christmas from CNBC
- We recommend Kayak, AirFareWatchdog, Costco (if you have a membership), google.com/flights.
- Financial Rule of Dumb: Your emergency fund should equal 6 months worth of household expenses.
- Listener Question from Dev: Recommended best practice for combining or separating bank accounts for newlyweds.
- Sharing responsibilities when it comes to money
- Carmen's Corner: When to introduce a wallet or purse
- And much more....
Want to get in touch? We love hearing from listeners!
- Comment below
- Email us: michael@fiscalfitnessphx.com
- Connect on Twitter: @IamFiscallFit
- Call: (480) 788-4588
- Comment on our Facebook page
- You can find out more about Fiscal Fitness Phoenix financial coaching here
- You can find out more about Financial Coach Academy here
Thursday Sep 22, 2016
Episode 5: Saving and Budgeting for Travel and Vacation
Thursday Sep 22, 2016
Thursday Sep 22, 2016
We have all had a vacation when you come back and you wish you had another vacation because you are so exhausted. Or the kind where you are immediately stressed once you get back because now you have to figure out how you are going to pay for the supposed relaxing vacation you just took.
- Make a list of all the vacation and travel you are planning in the next 12 months. List all associated costs (flight, accommodations, excursions, food/ drinks budget, etc)
- Total up your costs to one grand total and divide by 12. This is how much you are going to need to budget and save every month.
- Use an online bank like www.capitalone360.com or www.ally.com to create savings funds for each vacation. These link directly to your checking account.
- When it is time to plan your vacations, you can only use what is in the savings account.
- Bring cash with you and use it as much as possible. If you are international and don't feel safe using cash you can use a card but you tend to spend more because you can't see the money in front of you.
- Come back relaxed and de-stressed, not having to worry about paying for your vacation after the fact
This week’s topics:
- ITT Tech shutting down
- We recommend Kayak, AirFareWatchdog, Costco (if you have a membership), google.com/flights.
- Financial Rule of Dumb: Your mortgage payment shouldn't be more than 25% of my take home pay
- Listener Question from Dev: Using credit cards to get the points and paying it off at the end of the month
- Saving and Budgeting for Vacations and Travel
- Carmen’s Corner: What to do when kids are gifted money for holidays and birthdays
- And much more….
- Comment below
- Email us: michael@fiscalfitnessphx.com
- Connect on Twitter: @IamFiscallFit
- Call: (480) 788-4588
- Comment on our Facebook page
- You can find out more about Fiscal Fitness Phoenix financial coaching here
- You can find out more about Financial Coach Academy here
Sunday Oct 23, 2016
Episode 6: Self talk and money
Sunday Oct 23, 2016
Sunday Oct 23, 2016
We are finally back after a few crazy busy weeks. This is a quick and dirty episode about the thing that you may be unknowingly saying to yourself about money. Sometimes these are good things but more often than not you are sabotaging yourself by justifying or making yourself believe something that is setting your budget back. Learn the major ones that we hear clients say and how to get yourself out of that mindset.
Sunday Oct 23, 2016
Episode 7: Making Time to Budget
Sunday Oct 23, 2016
Sunday Oct 23, 2016
Do you find that it is difficult to find time to budget? For most people budgeting isn't fun but necessary and if something isn't fun then why do it? We want you to get out of that mindset. Finding time to budget is just like finding time to work out. You have to realize what your priorities, goals and values are and make time for them. Budgeting doesn't have to be an everyday thing for the rest of your life. If you are just starting out we do recommend that you spend about 5 minutes per day (first thing in the morning if you can) and once you get the hang of it make it every other day, then weekly if you can manage.
This week’s topics:
- What not to buy at Target and Walmart
- Financial Rule of Dumb: Lifestyle expenses should be 30% of your budget
- Listener Question: Should I switch from Wells Fargo to a Credit Union even if I have a credit card/ loan from them?
- How to find time to budget
- Carmen’s Corner: Should kids pay parents for phones, data and other expenses?
- And much more….
- Comment below
- Email us: michael@fiscalfitnessphx.com
- Connect on Twitter: @IamFiscallFit
- Call: (480) 788-4588
- Comment on our Facebook page
- You can find out more about Fiscal Fitness Phoenix financial coaching here
- You can find out more about Financial Coach Academy here
Thursday Jan 05, 2017
Episode 8: It's January, are you ready for Christmas?
Thursday Jan 05, 2017
Thursday Jan 05, 2017
It's January of 2017 and there are a lot of things on our minds. New years resolutions abound and for a lot of people taking control of their personal finances are top priority. One thing you can do is start to plan the next year's worth of gifts and holidays by creating a gift budget. We just went through Christmas, Hannukah and Thanksgiving so the costs are pretty fresh in your head. Because of this you can get a list of holiday expenses down on paper pretty easily. Here is a link to our free printable gift giving budget! This will help you budget for gifts and holidays for the entire year and help you think about all the little things that you may not think of or forget about. No more surprises or over spending on gifts you didn't think about until it was too late.
Listen as we discuss how to budget for this year's holidays and talk about a bunch of other financial topics, tips and tricks!
- Child care is really expensive! How do you not spend an arm and a leg?
- How to budget for moving costs.
- Budget for Christmas and other 2017 holidays now!
- Carmen's Corner: How to talk to your high schooler about financial responsibility before they go to college
- Budget Brag: Learn how Matt and his family paid off a $25,000 family loan in one year!
- And much more...
Here is the gift giving budget guide we talk about in the podcast:
Want to get in touch? We love hearing from listeners!
- Comment below
- Email us: michael@fiscalfitnessphx.com
- Connect on Twitter: @IamFiscallFit
- Call: (480) 788-4588
- Comment on our Facebook page
- You can find out more about Fiscal Fitness Phoenix financial coaching here
- You can find out more about Financial Coach Academy here
Sunday Jan 22, 2017
Episode 9: Budgeting for your dream wedding
Sunday Jan 22, 2017
Sunday Jan 22, 2017
How many of you are planning your wedding right now? What kind of budget are you using and how are you doing at sticking to it? For those of you who have already gotten married how do you feel about your wedding budget? Did you stick to it? Was it easy to use and accessible? Did you go over budget, under budget or come within your budget?
We know that planning your wedding is super stressful so we want to at least make the budget somewhat less stressful. In this episode we talk a lot about the proper ways to budget for your wedding and some things that we wish we would have done. Hindsight is 20/20 right?
First you need to ask yourself a few questions:
- What are your top 3 most important purchases for your wedding? These are non-negotiables and are top priority.
- What things do you NOT want to spend money on? What are not priorities and will not be pressured to add?
- What number would totally make you sick to your stomach if you ended up spending this on your budget?
- To whom can you delegate tasks that will help hold you budget-conscious?
There are a lot of great resources out there for budgeting for your wedding. The Knot.com and Wedding Wire both not only have great online budgets but also will help you plan your wedding from start to finish. After reviewing both of their budgets separately they are quite good. We created a wedding budget that takes it a step further and has as many categories as we can think of (a few things that other budgets have missed) and added some mindset and accountability questions and nerded out to make a pretty cool functional spreadsheet.
You can click here to download our "Fiscal Fitness Ultimate Wedding Budget Worksheet" and the infographic that explains how to use it.
Or go here: http://fiscalfitnessphx.com/the-saver-and-the-spender-episode-9-budgeting-for-your-dream-wedding/
Here is the link to the Milennial article: Millennials earn 20% less than Boomers did at same stage of lifeDownward mobility: Their student debt is drastically higher and "I think the opportunities have just been fading away."usatoday.com
- Millenials aren't making as much as their boomer parents.
- My employer matches my 401k up to a certain percentage, should I max it out?
- Budgeting for your dream wedding
- Best practices for paying with cash
- Carmen's Corner: How to talk to your kids about borrowing money, specifically mortgages and the like
- Budget Brag: Tami used cash and actually had some left over!
Want to get in touch? We love hearing from listeners!
- Comment below
- Email us: michael@fiscalfitnessphx.com
- Connect on Twitter: @IamFiscallFit
- Call: (480) 788-4588
- Comment on our Facebook page
- You can find out more about Fiscal Fitness Phoenix financial coaching here
- You can find out more about Financial Coach Academy here
Wednesday Mar 15, 2017
Episode 10: Jen Casey and Angie Lee of The Wellpreneur Business Academy
Wednesday Mar 15, 2017
Wednesday Mar 15, 2017
Jen Casey and Angie Lee are the geniuses behind The Wellpreneur Business Academy, which is an exclusive 3 month program that teaches health coaches systems and strategies that will launch their brand and master live video, social media and branding.
Today we are chatting with them about how they coach wellness professionals to succeed. Not only is this great information if you are a personal training or fitness and wellness professional but if you are a small business owner or entrepreneur that wants to make an online presence.
Here are some of the ways to find more about Jen and Angie and the Wellpreneur Business Academy:
www.wellpreneurbusinessacademy.com
www.facebook.com/angieleehttps://www.facebook.com/angie.lee.39
Angie's podcast, "Hungry for More", can be found on Itunes here and on Stitcher here
Jen's podcast, "Entrepreneur Now Podcast", can be found on Itunes here and on Stitcher here.
- You can find out more about Fiscal Fitness Phoenix financial coaching here
- You can find out more about Financial Coach Academy here