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The Fiscal Fitness podcast is about money, saving, budgeting and debt from experienced financial coaches.
Episodes
Monday Nov 11, 2019
Monday Nov 11, 2019
It’s great to know that your bills are paid on time every month and that you have no significant debt or that you have money going into your 401K.
But just because money isn’t stressing you out, doesn’t mean you are reaching your full potential.
One of the things the biggest things that holds people back from having an extraordinary life, is being comfortable and believing that what they are doing is “good enough”.
In this episode, Coach Jill challenges you to look a little deeper.
What possibilities exist for your life that you’ve not even begun to explore because you have shied away from pushing yourself in your financial world?
Notes from the episode:
- Being intentional with our money gives us possibilities in life that we can’t yet even see for ourselves.
- Time is a precious resource. Every year we spend winging it is a year of lost opportunity to build a life of financial freedom. Stop wasting time.
- Think of any skill you have mastered - in sports, a hobby, your career - you have likely invested a significant amount of time, money and energy into honing that skill to become better. Yet how much time, money and energy have you invested into ensuring your financial life is at its peak?
- Wouldn’t life feel different if every month you felt like you were winning? If you had goals that you saw yourself moving closer and closer to and achieved them on a regular basis? How much more fulfilling would your work be? How much more enthusiasm would that bring to your life and your vision for the future? We rob ourselves of this by simply winging it or settling for “good enough”.
Tuesday Nov 12, 2019
Tuesday Nov 12, 2019
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!!
Friday Nov 22, 2019
Friday Nov 22, 2019
This episode is all about tackling the idea of what wealth really makes us do and feel.
Many people have a mindset around money, especially when it comes to wealthy people or gaining wealth themselves, that wealthy people are all entitled, greedy and un-empathetic. They avoid pursuing becoming wealthy because they feel that they will become the same thing that they hate about other wealthy people.
Do they really think money is the root of all evil? If they were being honest with themselves, are they judging rich people? Continually look for every reason to prove or reinforce some sort of stereotype they likely already had about rich people?
Here's where things start to get interesting...
A team of psychologist at the University of CA Berkeley rigged a game of Monopoly so that skill, brains, financial shrewdness and luck - the pieces of the game that can create your success or your demise - have been made irrelevant.
Researchers watch and document every hand gesture, every eye twitch, each statement or exchange between the players, you name it.
Here were the big picture findings:
→ As a person’s wealth increases, their feelings of compassion and empathy go down.
→ As a person’s wealth increases, their feelings of entitledness and self-interest increases.
→ As a person’s wealth increases, they care more about their personal ambitions and success and considered their own personal endeavors to be more important than the interests of those around them
Tune into this episode to hear more of the details of this study but also hear Kelsa's thoughts on the mindset I believe we should all be adopting with this episode.
Links:
Full article:
https://psychology.berkeley.edu/news/how-rich-are-different-poor
PBS Segment of the Study & Findings: https://youtu.be/IuqGrz-Y_Lc
Ted Talk by Study founder: https://youtu.be/bJ8Kq1wucsk
Wednesday Nov 27, 2019
Wednesday Nov 27, 2019
The average cost of college according to 2017/2018 polls show an estimate of $25,000-35,000 per YEAR and up to as much as $70,000 for some of the more “elite” colleges and universities. Student loan debt is becoming one of the greatest financial burdens, so we asked college admissions consultant and scholarship guru, Pam Andrews, aka - “The Scholarship Shark” to join us today to offer some insights about how students can best prepare for college and navigate the world of college admissions and gaining scholarships to offset the hefty price of college education.
Notes from episode:
- The best time to begin planning for college is as you are entering your sophomore year of high school.
- Pam explains the difference between the “sticker price” and the “net price” of college and what you need to know to avoid paying too much.
- GPA is one piece of the equation, but many scholarships go unclaimed because they simply don’t have anyone applying for them. Even if your GPA is not as high as desired, you still could be awarded scholarships simply because you applied.
- There is a recipe for success and starting early helps you to be in a winning position when it comes to scholarships.
Resources:
- Pam’s website: https://www.thescholarshipshark.com/
- Listen to more from The Scholarship Shark at: https://www.thescholarshipshark.com/podcasts/
- www.fiscalfitnessphx.com
- www.financialcoachacademy.com
- www.facebook.com/groups/fiscalfitnessmoney
- www.facebook.com/groups/financialcoachesunite
Saturday Nov 30, 2019
Saturday Nov 30, 2019
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!!
Friday Dec 20, 2019
Friday Dec 20, 2019
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:
- Click here to schedule the complimentary 15 minute Q&A with Coach Jill
- Click here to schedule a Eureka Session to kick off 1:1 coaching with Coach Jill
- Learn more about Fiscal Fitness Phoenix Financial Coaching
- Learn more about our financial coach training program: Financial Coach Academy
Monday Dec 23, 2019
Monday Dec 23, 2019
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!!
Friday Dec 27, 2019
Friday Dec 27, 2019
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.
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Step one is setting your intention. So firming up your wife for pursuing financial growth and progress in the new year.
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Step two is reflecting on your wins and losses in the past year.
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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.
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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.
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Step five is your health and wellbeing intentions.
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Step six, lessons for the kids.
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And step seven is adopting a growth mindset around money.
Friday Jan 03, 2020
Friday Jan 03, 2020
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
Monday Jan 13, 2020
Monday Jan 13, 2020
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!