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The Fiscal Fitness podcast is about money, saving, budgeting and debt from experienced financial coaches.
Episodes
Thursday Oct 12, 2017
Thursday Oct 12, 2017
Vanessa Shaw
Vanessa Shaw is an international Business and Success Coach, Wealth Mentor and Inspirational Speaker. Both lauded by her clients and admired by peers, her zone of genius is helping ambitious entrepreneurs and business leaders earn more income, make a bigger impact, and enjoy greater freedom. Leveraging years of experience working with startups to billion-dollar companies – and possessing a natural gift to connect with any audience – Vanessa is also a highly sought-after speaker and authority who can deliver moving and inspirational talks that empower attendees to get out of their own way and play a much bigger game in business and life. Her workshops and events, including her annual 3-day signature BIG BOLD EVENT, BOUTIQUE BUSINESS INTENSIVES, and BOLD WOMEN IN BUSINESS, demonstrate her natural ease and presence on stage and an ability to deliver practical insights and inspiration for those aspiring for more success in their business and life.
She is a highly-accredited Business & Executive Coach who has dedicated years to her own professional and personal development. Her experience and skills as a coach combined with the hard-earned knowledge of what it really takes to be an entrepreneur and to create a business from scratch has led Vanessa to a genuine passion for coaching and mentoring small and medium size businesses and entrepreneurs. An important part of Vanessa’s business philosophy is to positively impact the lives of others by contributing to charitable causes and helping others who are less fortunate.
You can learn more about Vanessa and her BOUTIQUE BUSINESS SCHOOL programs at vanessashaw.com. You can ALSO connect with her on Facebook, LinkedIn, Twitter @vcshaw, and Instagram @boutiquebusinesslifestyle. For all enquiries, including for speaking engagements, please contact her team by
telephone at +1 (602) 730-5937 or by email at concierge@vanessashaw.com.
Special pricing tickets for the Big Bold Event November 9th-11th at the Camby Hotel in Phoenix
Click here for: Special VIP Pricing for The Saver and The Spender Listeners
Click here for: Special Standard Pricing for The Saver and The Spender Listeners
Thursday Nov 02, 2017
Thursday Nov 02, 2017
In this episode Kelsa talks with financial advisor to the stars Shanna Tingom about passive vs. active investing and other topics to help clear up some confusion people have been having with investments over the past few years.
You can reach Shanna at (480) 397-1184 and visit her website at https://www.heritagefinancialaz.com/
Friday Nov 10, 2017
Friday Nov 10, 2017
It's the beginning of holiday shopping season and more people are just saying no to the constant consumerism of the holidays. People have had an awakening that they own too much stuff. We're giving ourselves too much, we're giving our kids too much and we're all feeling kind of sick to our stomachs about it. Do you agree with these statements?
In episode 23 we discuss the psychology of gift giving and why research tells us people don't really care about how much you spend on presents, how people are shifting their holiday traditions to make memories and personalize the family experience rather than spend out the wazoo on presents, give you some ideas for your family so you can start new fun traditions and gift ideas that will create memories without having to spend a lot of money.
Check out our blog here with all the links, lists of ideas and all the info you need!
http://fiscalfitnessphx.com/episode23/
Thursday Nov 30, 2017
Thursday Nov 30, 2017
We are starting a new feature of The Saver and The Spender. We are calling them "Sprints" and they are quick one topic episodes that will give you a lot of information in a short period of time. Our podcasts can be 60 minutes and some people enjoy that length and some people are in the mood for something a little shorter. We hope you enjoy the first sprint and if you have any ideas for a future Sprint episode please let us know.
In today's Sprint episode we highlight how we have clients use cash for day to day spending. There are a lot of methods for using cash and they work for some people. We feel like using cash should not be restricting. When you use cash you should feel like you can see your money clearly, you aren't guessing with how much you have to spend, you have a clear budget and you have a boundary that is actually very freeing.
Wednesday Dec 13, 2017
Wednesday Dec 13, 2017
Meal prepping is huge right now and for a few major reasons. First of all, the cost savings of meal prepping compared to what you spend on random shopping trips and eating out is tremendous. Secondly, the time efficiency of meal prepping is huge. You may remember we talked about it with Dimir from LifeHack Bootcamp on episode 13 in which he said that spending 2-4 hours on a Sunday meal prepping is significant less the time it takes to cook individual meals and eat out. Lastly, when you meal prep, you are in total control of the quality of what you put in your mouth and the portion size as well. Win-win-win.
In today's episode we talk with Dr. Mike Simon, from Crossover Physical Therapy in St. Michael, Minnesota, about his experience with meal prepping, how much money he saves every week on groceries and eating out (and it's a crazy number!), how much weight he has lost and much more. He also goes over his tips and best practices for getting started with meal prepping, where to purchase your food and what are his go-to home run meals.
We also are excited to announce the 2018 The Saver and The Spender Meal Prep Challenge. Starting on January 1st, 2018 we will be having a meal prep challenge to help people follow through on their new years resolutions to either be better with their budget or to eat healtier and lose weight; or both! We talk about the rules and basics of the challenge in the podcast but you can find out more at www.fiscalfitnessphx.com/mealprepchallenge
Thursday Dec 14, 2017
Thursday Dec 14, 2017
In the last episode I talked with Dr. Mike Simon about meal prepping and announced our 2018 meal prep challenge. After thinking about it we want to change the focus to mostly meal prepping for time and budget savings and not focusing on the nutrional/ weight loss aspect. In this episode I talk about some modifications to the rules and how my first time meal prepping went from last night. I wanted to beta test the challenge to make sure it would work and be able to answer questions and give some tips before we start. Join the Meal Prep Challenge here: www.FiscalFitnessPHX.com/mealprepchallenge
Saturday Dec 16, 2017
Saturday Dec 16, 2017
We cover a lot of topics in this episode but the main theme is about savings.
We talk about:
- A news article that says most Americans aren't saving enough and that an improving economy gets people out of a saving mindset.
- How much should you be saving per yer?
- Where you should keep your savings based on ease of use and interest rate?
- The major places most people overspend and how to correct the behavior. (I'm looking at you Starbucks)
- Mind blowing ways to buy presents for your kids this holiday season.
Here are some resources for finding the best savings account for you:
http://www.magnifymoney.com/blog/earning-interest/best-online-savings-accounts275921001/
https://www.nerdwallet.com/banking/best-savings-accounts
Make sure you join our Podcast Facebook group and the Financial Coaches Unite Facebook Group.
If you have a goal or a New Year's resolution to get your personal finances in order check out our online workshops coming up on January 6th:"5 Steps to a Better Budget" or "5 Steps to a Better Budget: Solopreneur Edition".
If you want to join the Meal Prep Challenge, which starts January 1st, 2018, check out the info and registration page.
Finally, if you love personal finance, are proud of your budget and want to help people feel good about their money; or you are already are a financial coach, check out Financial Coach Academy. (Use code: earlybird by December 31, 2017 to get $500 off)
Wednesday Dec 20, 2017
Wednesday Dec 20, 2017
Kelsa explains how to tackle your financial goals with the mindset of a Crossfit champion!
Wednesday Dec 27, 2017
Wednesday Dec 27, 2017
It's been in the news now and since we recorded there has been some shinanigans so let's just talk about Bitcoin!
What is it? How do you get it? How can you spend it? Should you treat it like an investment? Is it safe to use? Is it the wave of the future?
Shanna Tingom from Heritage Financial Strategies joins us and talks about Bitcoin so we can all understand this odd cryptocurrency.
5 Steps to a Better Budget online workshop
- You can find out more about Fiscal Fitness Phoenix financial coaching here
- You can find out more about Financial Coach Academy here
Music credit: Antti Luode
Wednesday Jan 10, 2018
Wednesday Jan 10, 2018
One of the questions we get all the time is how budget for a fluctuating income. Teachers, per diem workers, business owners, employees with hourly pay with bonuses, people paid with commissions or even just not paid on a set schedule say that it's impossible to budget for that. You're not alone and we're here to healp. We don't want you experiencing feast or famine with your budget where you are living thin then you get a large paycheck and you go celebrate or live a little too loose. We don't want you to have the roller coaster ride that so many people experience. We want you to plan your budget just like you are getting a steady paycheck. Steady paychecks are nice and boring and when it comes to budgets, boring is good.
There are a few steps to take and actions to employ where you can make your fluctuating income budget your best friend. Here's how:
- Get your expenses dialed in. Get them super consistent and organized. Do this by writing them down in due date order. Also, really think about what is a need versus a want and eliminate the wants if you feel they are adding to your stress.
- Get the actual amount of what your expenses are per month. Bills, money for food, groceries, savings accounts, etc.
- Create a deposit account where all of your income will go. Whenever you get income you deposit all the money right into that account. On the first of the month you pay yourself a set amount out of that account into your checking account. That set amount you pay yourself equals your expenses.
- You can look at that deposit account as often as you want so you can see when you need to really ramp up your commissions or make more income.
- If you get a lump sum payment infrequently (teachers getting paid once at the beginning of the school year), you can put that lump sum in the deposit account and give yourself a paycheck until the next lump sum comes in.
- Estimate low. If you're not sure what your next check is going to be, estimate low so you're not going to have issues with overextending yourself.
- Expect it later than what you're thinking. If you're not sure if your next check is coming in February or March, budget for March and if it comes in February you'll be pleasantly surprise and if it comes in March you will be prepared.
- Set a priority list of what expenses are really important or what is not necessary. Do you really need Netflix and HBO the next few months? Can you spend less on eating out or drinks over the next few weeks? If it comes in higher or sooner than you thought you will know exactly where it is going and being very intentional and disciplined with your money.
- You can find out more about Fiscal Fitness Phoenix financial coaching here
- You can find out more about Financial Coach Academy here