The budget you have today is not meant to be permanent. It can and will change. Furthermore, it should change. Your budget is a living document. So instead of trying to squeeze into it like a pair of jeans that no longer fits, give yourself some breathing room and create the budget you need to match your life as it is now. Listen to this podcast to learn about the four signs you budget is no longer working for you and how to create one that does.

A caretaker is someone who uses their time, money, or energy to assist their immediate family members, friends, or colleagues. 

  • Are you always stepping up to meet the needs of those around you? 
  • Do you support a spouse or partner by working a lot or in a job you don’t enjoy so they can pursue a hobby or dream job?
  • If you ask yourself often, but “What would they do without me?”

If so, you may fall pretty high on the spectrum of caretaker tendencies. 

As financial coaches, we sometimes have to coach our clients to balance their caretaker tendencies with taking care of themselves and their own finances. We support people to give, but in ways that don’t cause stress on their health or finances.  

In this episodes of the Fiscal Fitness Podcast, learn:

  • What care taker tendencies are
  • How they show up
  • How to balance the need and desire to help with your own financial goals
  • Ways to flex your non-caretaker muscles

If you have kids, usually it’s not a matter of to Disney or not – it’s a matter of when. Whether you’ve never been to Disney or make it an annual pilgrimage like our very own Coach Jaclyn, this episode is for you. We brought in an expert to talk about ways to plan and budget for your perfect Disney vacation.

We chatted with Stacy Ellis, a travel advisor for Key to the World Travel, an Authorized Disney Vacation Planner. She’s been to Disney more than 16 times and loves helping families and Disney loving couples plan their best Disney trip.

In this episode, we discuss with Stacy:

  • The average cost for a family of four to Disneyland and Disney World
  • Figuring out your ideal Disney trip (everyone does Disney different)
  • Off season vs. peak season costs
  • How to plan in order to not blow your Disney budget
  • Staying on a Disney property to not
  • Planning decisions (what to pack, what to eat, what add-ons to buy)
  • Tips for doing Disney with little kids (Did you know kids under 3 are free?!?)

Stacy’s biggest and best piece of Disney travel advice for people with kids: Don’t wait until they are older. Take the trip as soon as you can and enjoy every moment.

When it comes to bodybuilding and wealth building there is one thing that seems to be very true: Once you build the foundation, it’s pretty easy to maintain. Unfortunately building that strong foundation is what keeps so many of us held back. We face a long list of challenges, including:

  • Too many choices/options and trying to decide which is right for you 
  • Decision fatigue
  • Trying to use an app when it’s not built for your unique scenario or needs 
  • Lack of accountability
  • No ability to ask questions or troubleshoot as you go
  • Sustainability/Consistency over speed
  • Seeing it as a lifestyle vs a finite goal with an end date (this is a lifelong endeavor)

If you follow Coach Jill’s instagram feed, you know she’s no stranger to the gym. Despite suffering a debilitating back injury years ago, Jill recommitted to her fitness in a big way in 2020 and has turned that 2020 motivation into a life-changing and life altering way of looking at her health and fitness.

 

Resources / links related to topic / mentioned in podcast:

In this episode of the Fiscal Fitness Podcast, Coach Jaclyn interviews Coach Jill, who is a mom of two, all about kids and money. They discuss at what age to introduce debit cards, how much you should spend on daycare, and how much allowance you should give and how it should be given or earned. Jill also admits that at one point when her two boys were young she was paying $20,000/year for childcare. It gets better parents of young kids!

 

Extra Resources for Kids and Money:

Do you ever feel urgency or stress around this idea of "I need to make my money work harder for me!". If so, this one's for YOU!

“I want my money to be working for me”. This is something we hear from people who reach out to us all the time. When we ask clients what their goals are, so many of them will tell us they want their money to be working for them. They want to be doing MORE with their money. They want to make sure they are making the best decisions with their money, etc.

And I love this! These are all great things! But one thing I often sense is that they are feeling some urgency or stress around this idea of making their money “work” for them. This is usually the way of framing that they want their money invested and earning compound interest. You know - earn money while you sleep sort of thing, right?! Which of course is a beautiful thing.

But what I want to talk about today is that there are many other ways that you can get your money working and none of them have to do with investing. In fact, I would argue that many of these things should be in place before you start investing, or before you put that PRESSURE on yourself to PUSH to invest more aggressively.

Main takeaways from this episode:

  • Before you start putting this pressure on yourself to make your money be “working harder for you”, make sure it is all working smoothly to begin with.
  • What you do financially should feel easy, predictable and boring. If you do not feel this way (yet!), then release this pressure you are placing on yourself and work to build a strong foundation first.
  • The things we do with our money shouldn't feel like a race or a sprint to the finish line. What we do financially is a marathon. It is something that should feel sustainable. Steady. Something we can do for LIFE.

Resources:

Do you have big goals for 2021?

As we head into the new year, so many of us are setting different goals for the year. We created a free download (click here to download) to support you throughout 2021 so that you can stay present and focused to your goals all year long.

In this episode you will learn...

  • How to set a SMART financial goal
  • How to challenge yourself with Good, Better, and Best goals
  • How to track your 2021 goal progress with our freebie: 2021 Goal Tracker

 

Additional tips:

 

Resources:

Just because it’s called a “stimulus” check does not mean that it is your responsibility to go out and stimulate the economy with it. A big purpose of this stimulus bill was to provide additional financial relief to the American people. So in this episode, I am going to share five things you could do with your stimulus check to bolster and strengthen your own financial position, as well as some ideas of how you could use it to support your community.

 

In this episode you will learn...

  • How to check the status of your stimulus check if you haven’t received it
  • Five ways to bolster your own financial position with the stimulus dollars
  • A few ways you can support your local community with your stimulus check

 

  • To get the latest updates about the stimulus check and other forms of Coronavirus relief, join our free Facebook community - we’ll help keep you informed, answer your questions, and connect you with other like-minded people who want to focus on being more financially savvy.

 

Resources:

It’s back! It only happens twice a year - our 21-Day Challenge is starting on 1/21/2021. We are super excited to kick off this challenge which is designed to help you move your money forward in a bigger, better way than you ever have before.

In this episode you will learn...

  • What the 21-Day Challenge is and how you can sign up
  • Who the 21-Day Challenge is designed to help
  • Who should not participate in this challenge

To participate in the 21-Day Challenge, join our free Facebook community - this is where all the activity of the 21-Day Challenge is happening!

December 24, 2020

Episode 111: December FC Beat

It’s one of our favorite times of the month! It is time for the December FC Beat.

That’s the Financial Coaches Beat, in case you didn’t know, where Jaclyn and Jill are giving you the inside scoop on what’s happening, all things in the Fiscal Fitness world.

And of course our favorite part which is tooting the horns of our amazing clients, sharing the great work that they are doing and celebrating their accomplishments.

You’ve got to tune in for this one!

 

Resources:

New Year, New Money Checklist: fiscalfitnessphx.com/newyear -

Episode 107

Choosing your word of the year: https://fiscalfitnessphx.com/oneword2019/

www.FiscalFitnessPHX.com

www.FinancialCoachAcademy.com

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