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53Episodes
Investing

The Saver and The Spender is a weekly podcast about money, saving, budgeting and debt from both perspectives.

Episodes

There comes a point where most everyone gets fed up with their financial situation.  They keep over-drafting their checking account (like Michael did in grad school) or they just can't believe the amount of debt they are in and want it out of their life.  Or really any number of things.  

This episode was recorded on January 4th so if you have a new year's resolution to get your finances in order, get on a budget, get out of debt or beef up your savings, this is the episode for you!  If you have had that watershed moment when you realize your finances have stressed you out for too long and want to know where to start, this is the episode for you!

We go through, step by step, how you start to address your finances when you can't take anymore. We also talk about what people typically do and why it sets them up for failure 85% of the time!

Learn more about Fiscal Fitness Phoenix financial coach at www.fiscalfitnessphx.com

Learn more about becoming a Financial Coach at www.financialcoachacademy.com

 

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Research shows that resolutions are largely ineffective for making positive,
sustainable change. Twenty five percent of people break resolutions within
one week and sixty five percent break them within weeks. Selecting a word
of the year can help us to embrace a larger vision that feels expansive and
possible.

A single word is easier to remember than a whole list of goals and
resolution. Your “word of the year” anchors your daily life, helps you focus,
guides the work you do, choices you make.

Benefits of choosing one word:

1. Can feel more expansive than goals or resolutions
2. Can feel more inspirational vs instructional
3. Especially great for people who do not do well with structure, deadlines, or
too many rules
4. Allows one to adjust their goals and resolutions as the year goes on –
things can happen and change and having a single word can give you the
flexibility you need
5. By having one word to guide my year, I found it easier to create goals and
resolutions that aligned my whole approach for the year

My “word of the year”anchors my daily life.

It helps me focus.

It guides the work I do, the choices I make, and the way I navigate my everyday. When I feel adrift, I remember my word of the year and come back to myself & my goals

 

Steps to find your Word of the Year for 2019

1. Reflect on areas of your life:
Your wellbeing
Your career/business
Your family
Your health
Work/life balance
Finances

2. Reflect on the type of person you want to become
Wealthier
Happier
Healthier
Dive deep into your soul

3. What are the characteristics of the person you want to become?

4. What do I want to change or gain in my life?
What is one thing I'd change about my life?
What is one thing I'd change about the way I spend my day?

5. Find a quote (or multiple) that embodies this word.

6. Trust your intuition
You don’t necessarily have to labor over this decision; you likely don’t need
to turn this over in your mind a thousand times.

 

7. Now consider how you can apply this word to your whole life “Supported”’ at home means something different than “supported” in your professional life. And “connected” to your body is different than being “connected” to your partner.

How does your word apply in the context of work? At home? Does it affect the way you move your body or the choices you make around food? Will it change the way you use technology?

When you take the time to imagine the way your word applies to all the
areas of your life, you’re ready to make that word happen—everywhere

8. Fortify Your ONE WORD With Visibility, Repetition And Accountability

Ideas and inspiration

Improve – Begin – Challenge – Wellness – Balance – Courage – Creativity –
Evolve – Change – Heal – Release – Grow – Begin – Finish – Health – Truth
– Expansion – Abundance – Connect – Abundant – Aligned – Balanced –
Bliss – Congruent – Consistent – Creative – Depth – Desire – Devout –
Divine – Educated – Enlightened – Fit – Forgiving – Free – Free-Spirited
Game-Changing – Giving – Glowing – Gracious – Grateful – Gratitude –
Happy – Healthy – Honest – Humbled – Journey – Joyful – Laser-Focused –
Loving – Mindful Of Service – Open – Passion – Peaceful – Radiant – Sassy
– Savvy – Sexy – Sexy – Smart – Soulful – Sparkle – Spiritual – Strong –
Tenacious – Truth – Unstoppable – Vibrant – Wellness – Whole – Freedom
– Revitalize – Complete – Whole – Design

 

Music by Antti Luode

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We all have some kind of goals with our money and since we are getting close to New Year's resolution season it's time to start to get clear with the goals we have for our money.

The problem that most people have is that once they set a goal they don't actually follow through with it and actually fail almost right out of the gate.  According to U.S. News, 80% of new years resolutions fail by February. 

In this episode, Coach Jill has some great tips and strategies on how you can take you money goals and make them long lasting habits.

Links:

Rich Roll podcast: James Clear

www.FiscalFitnessPHX.com

www.FinancialCoachAcademy.com

 

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Jennifer McDermott is the Consumer Advocate at personal finance comparison website, www.finder.com. She has more than 12 years’ experience under her belt in the finance, lifestyle and travel industries where she’s analyzed consumer trends. Jennifer is passionate about breaking down complex themes and providing actionable advice that empowers people to make better decisions about their money.

In today's episode Jennifer helps break down side hustles:  How to choose the right one for you. How to know when to quit. When you should start one.  And much more!

www.financialcoachacademy.com

www.financialcoachingsymposium.com

www.fiscalfitnessphx.com 

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In this episode Jill talks about that there is sometimes more to what we think financial success actually means. 

Highlights of this episode:

  • Studies show that your idea of financial success is double whatever your current salary is. 
  • The first step in understanding financial success is taking a look at what you are currently making and figure out how your current income can make you happy.
  • To be financially successful you not only have to look towards long term goals and numbers but also look at nurturing what currently is making you happy and also eliminating what you are currently tolerating. 
  • Financial success is living the life that you want to live with meaning and intention. 
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In this episode Michael talks about the psychology of playing the lottery, why it's considered a "tax on the poor" and what the $364.5 million payout of this Friday's (10/19/18) MegaMillions could buy you. 

Music by Antti Luode

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Financial coach, Jill Emanuel, talks about her experience as a client of Fiscal Fitness Phoenix and how she and her husband had to make one of the hardest decisions of their lives in hiring a Financial Coach and why it was the best decision in their lives. 

 

Music by Antti Luode

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September 17, 2018

Episode 42: Using cash

In this episode Coach Jill goes over why cash is so important, some strategies you can use to maximize cash and reduce "swiping syndrome" and how using cash can really impact your financial life and your relationships.

 

Find out more about Fiscal Fitness Phoenix at www.fiscalfitnessphx.com

Learn more about Financial Coach Academy at www.financialcoachacademy.com

 

Music by Antti Luode

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When you think of franchises you probably think of McDonalds and Little Caesars but did you know there are so many more opportunities for having a franchise as a source of income?  It is very interesting to me that a franchise is more than chain restaurants and that there are so many options.  Navigating the options of opening a franchise can be pretty daunting and there are definitely do's and don'ts for when it comes to opening one. 

Loren Kutsko is a career transition coach and for lack of better words a franchise coach.  He helps people that are either transitioning out of a job and looking for a way they can invest their money and still work, looking to own a small business but want a proven and predictable system or looking for a way to have a side hustle to invest in that may not take a lot of time or energy.  Or really anything in between.

In this episode Loren and Michael talk about the current franchise market, how he helps people identify the right franchise for them, what to avoid when you are looking at opening a franchise and much more.

You can find out more about Loren at https://lorenkutsko.youcanbook.me/

You can learn more about Fiscal Fitness Phoenix financial coaching at www.fiscalfitnessphx.com

You can learn more about Financial Coach Academy at www.financialcoachacademy.com

 Music by Antti Luode

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Time management and money management are intimately connected and we often see clients that suffer from poor money management because they have poor time management.  

In this episode Kelsa goes over her 9 time management strategies that will not only make you more productive but will positively affect your money too. 

www.fiscalfitnessphx.com

www.financialcoachacademy.com

www.facebook.com/fiscalfitnessphx

www.facebook.com/financialcoachacademy

www.facebook.com/groups/financialcoachesunite

 Music by Antti Luode

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