What are 5 quick activities you can do that will make an impact on your finances?

We get asked all the time “what are some things I can do to quickly make an impact”, so we’ve put together 5 things you can do right now to start to see a quick improvement in your finances! You don’t have to do all 5, pick one or two that make sense to try and give them a whirl. Of course, bonus points if you do them all!

Some takeaways from this episode:

  • Try a spending elimination diet
  • Get locked in on your day to day spending
  • Plan your meals and groceries
  • Organize your debt payoff plan
  • Get help from a financial coach (Book your Eureka session!)

Resources/Related Topics:

It’s one of our favorite times of the year! It is time to chat about the New Year Money 21-Day Challenge.

The 21 Day Challenges are designed to help participants with saving money, gaining clarity, having fun, making progress, fine-tuning expenses and gaining insights surrounding their finances.  The best part is the potential to even WIN money!

And of course our favorite part which is tooting the horns of our amazing participants and having them share the great work and celebrating their accomplishments along the way.

You’ve got to tune in for this one!

Oftentimes the initial thought when we learn we are getting a return is that it’s time to celebrate!

We want to do something big with it - like book the vacation we’ve want to go on, make the big purchase we’ve been putting off, do some home renovations, or even pay off debt - unfortunately, even though these are done with the thought that this is all “extra money” to do it with, we can often regret our choices when a whammy hits us on the back side. In this episode, Coach Jill gives you a few things to think about to make sure you are using your tax return in the best way possible.

Reminders of what to consider with your return:

  • Resist temptation to do something “fun” with all of the refund. Think about using the 10/90% rule. 
  • First ask yourself what your initial plans with this money is - get clear on the various options.
  • Consider whether a whammy, or a large unexpected expense, will derail this plan. 
  • Evaluate your current emergency fund and make sure you have a minimum of $1,000 saved for a true emergency. 
  • Consider any debt you may have and identify the order in which you will tackle them. 
  • Finally, you should consider what are the three most important things in your life. Make sure this extra money is truly going towards the things in your life that will give you the most fulfillment and make life most meaningful.

Related links:

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

That’s the Financial Coaches Beat, in case you didn’t know, where Kelsa 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!

You might be thinking all those emails with sales and discount codes are doing you a favor. I promise - they’re not!

These emails are tempting you to spend on items that would not have even been on your radar, if not for the enticing sale that just landed in your inbox. One of the ways I save hundreds every year and minimize my temptations is to get off those mailing list and use three browser extensions that help me find the best prices and deals when I shop online. In this episode I share with you my 3 favorite tools for saving money while shopping online: Rakuten, Honey and CamelCamelCamel.

Be smart with your online shopping with these sites:

  • Use the app Unroll.me to easily unroll from email lists that are bombarding your inbox (and your mind!) with shopping temptations. 
  • You can still take advantage of the sales and discounts, but do it on your own terms, when you are actively looking for something and not when you have been targeted thru marketing. 
  • Rakuten (formerly Ebates) gives you discounts and cash back rebates! Receive a Big Fat Check in the mail or into your PayPal account every quarter with the money you earn from shopping thru Rakuten (or with the Rakuten browser extension)
  • The Honey browser extension will search and apply the very best active coupon codes into your cart before checkout, so you don’t need to search for coupon codes yourself anymore! Plus you earn points that you can cash in for $10 gift cards (extra bonus!).
  •  CamelCamelCamel allows you to see the price history for the products you are shopping for on Amazon. There are constant swings in pricing, based on buyer demand and seller supply and this is one way to know that when you buy you are always getting the best price for your money!

Check out these highlights and resources:

  • Rakuten - Get $10 Bonus Dollars when you join with this link (after your first $25 purchase) 
  •  Join Honey - Install this browser extension and let Honey do all the hard work of scouring the internet for coupon codes for you! Honey will automatically apply the best coupon code to your cart at checkout, making sure you always get the best deal.
  •  Use the CamelCamelCamel browser extension to always make sure you get the best prices when shopping on Amazon. Set up alerts to receive a notification when the item you are shopping for drops to the price you want to pay!

What makes a year your “best year yet?”. How is it that you can intentionally create the year ahead to be just that?

This episode helps you reflect on the prior year, its’ ups or downs and identify what made it so great….or not so great. Once you have that information, now you can use it to craft the year ahead to be one you can feel proud of. Coach Jill reviews six key areas of life to evaluate and create a plan for that allow you to move into the New Year with clarity, purpose and intentionality.

Let's recap some points that will help to make 2020 your best year yet!!

  • Entering into a new year purposefully, must begin with a reflection on the year behind us. What factors contributed to how great, or horrible, we felt about the year behind us? How can we use this knowledge to intentionally recreate or completely reconstruct our lives in the year ahead?
  •  Being intentional with our lives requires thought and a plan. We can oftentimes easily name the things we want to do or improve upon, but we must have systems and quantifiable ways to measure that progress in our lives. 
  •  Evaluate the core areas of your life and set some concrete measures to make sure you follow thru. Coach Jill plans her year by evaluating these six key areas: Health, Relationships, Family, Finances, Career and Leisure/Fun!

Check out these other resources that will help you start your new year off on the right foot:

  • New MiniCourses are coming this year! We are kicking off 2020 with our New Years 21 day Money Challenge, beginning on Jan 15th. Click Here for more info
  •  Choose your Word of the Year - Podcast Episode 48
  •  Listen to Kelsa and Michael’s New Year’s Resolution super episode - Podcast Episode 49
  •  Set some Big Fat Hairy goals in the New Year - Podcast Episode 60

Before you set financial goals or resolutions - listen to this episode!

You may be excited to set new year’s resolutions and goals with your finances this time of year, but if you’re not careful, you could be getting ahead of yourself. Don’t set yourself up for failure, check out our New Year New Money Checklist FIRST. It will help you lay a really solid foundation from which to build from!

In this episode, Kelsa talks about her 7 Steps to laying a really solid foundation for 2020.

  • Step one is setting your intention. So firming up your wife for pursuing financial growth and progress in the new year.

  • Step two is reflecting on your wins and losses in the past year.

  • Step three, reviewing sinking funds and savings accounts. In other words, for any projects or special occasions and just everyday type expenses that might be happening in the new year.

  • Step four is the year end checklist, getting organized and completing the annual tasks or at least getting them on your calendar of when you're going to complete them.

  • Step five is your health and wellbeing intentions.

  • Step six, lessons for the kids. 

  • And step seven is adopting a growth mindset around money.

Click here to get the New Year, New $$ checklist here. 

Once a month, Coach Kelsa and Coach Jill like to go live in our private Facebook group (Ask to join for free here). 

Listen in as they share with you the highlights of the past month!

Updates galore, inspiration, tips and budgeting tricks, what's coming up for Fiscal Fitness Fanatics and the awesome accomplishments of our clients!!

If you find that your financial life is not where you want it to be, chances are good that it’s not for lack of effort. What we see here at Fiscal Fitness is that our clients have tried for years to turn things around, yet for one reason or another - nothing seems to stick. Don't feel bad or guilty thought. A lot of these things are not because you are "bad with money" but because the systems and strategies are set up for you to fail.  

Our mission at Fiscal Fitness is to provide you with the financial skills, behaviors and tools that will support you for the long haul. Give this episode a listen to see if you relate to the top 7 things we see people have tried in the past that simply did NOT help. 

 You can see the full transcript of the episode here.

Coach Jill's 7 things that just aren't working for you and your budget:

  • Living Extreme
  • Trying all those apps
  • Getting on a budget
  • Swapping bill paying responsibilities with a spouse/partner
  • Getting all the bills on autopay
  • Trying what was recommended by a family member or friend
  • Earning MORE money 

 

Resources:

 

Once a month, Coach Kelsa and Coach Jill like to go live in our private Facebook group (Ask to join for free here). 

Listen in as they share with you the highlights of the past month!

Updates galore, inspiration, tips and budgeting tricks, what's coming up for Fiscal Fitness Fanatics and the awesome accomplishments of our clients!!

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