Couple Money Podcast

Latest Episodes:

Dump Your Debt Faster Through the Power of Community Jan 04, 2022

Show notes

Looking to dump your debt faster? See how you can find a community to support you on your debt free journey!

The Power of Community with Dumping Your Debt Faster

This month is all about paying off debts. Instead of talking about debt snowballs and avalanches, apps or sites, we're going to look at the community; specifically the support network you may or may not have and how it can affect your success.

Toni Husbands is joining us today. She's the creator of debt free divas and author of the book, The Great Debt Dump: Running Toward Financial Freedom with the Power of Community.

Besides knowing the stats and studies about getting out of debt. Toni has personal experience with becoming debt free.

If her voice sounds familiar it's because Toni was on the podcast before when she shared her family's story of dumping six figures of debt. She had an added challenge because her husband Colin wasn't on board at first.

So if you're in a similar boat, I think you'll enjoy this conversation where Toni discusses how to find and build up a community to support one another with dumping debt!

Resources to Dump Your Debt Faster

Tired of being in debt? Here are some resources to help you dump it.

Best Budget and Money Apps: Personal Capital, Tiller, Mint

If you want to chat some more about creating better money habits, questions, or share your own tips please join us over at Thriving Families on Facebook.

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union. If you're living in the Raleigh Durham area and looking to bank better, come check out Coastal today!

We've been members for years and love their service and competitive rates on checking and savings accounts!

Rollover Your 401(k) Easily with Capitalize

We're grateful for wonderful partners like Capitalize. Not only do they support the podcast, but they help make managing your money so much easier.

Did you know that it's estimated that there are currently over 24 million "forgotten" 401(k) accounts? In fact, the average American changes jobs every 4 years.

And because of the Great Resignation, you or someone you know might be changing jobs even more

It's an extreme case of out of sight and out of mind. Is your old 401(k) in there somewhere, left behind at a job you're no longer with?

One huge benefit with an IRA is you get to choose how your money is invested, not your old employer.

If you want to consolidate your old 401(k) and have more options with how you invest, it may be time to roll them over into an IRA.

With Capitalize, they handle the process from start-to-finish – for FREE. They handle the process from start-to-finish, and yes that includes calling the 401(k) provider on your behalf.

Find out how and get started today!

Key Takeaways

Before we wrap up, I want to share a few takeaways from the discussion with Toni, I think would be really helpful for your own debt free journey.

Accountability can be a huge boost.
Develop systems and habits to help you overcome those tough times.
Short term goals can build momentum and motivation.

Of course there's so much more that we can get into, including the ins and outs about finding the best methods of paying off your debt. So, if you want to get the latest episodes, tips, and videos to help you pay off your debts faster, save more. And invest better.

Please sign up over at couple money slash join to be a part of our VIP community. It's free and you'll get weekly emails sent to your inbox with all that information sent to you for your convenience.

I want this year to be an incredible year for you and your family!

Support the Podcast!

Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it.

Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
Grab a copy of Jumpstart Your Marriage and Your Money.

Music and Photo Credits

Music in this episode was provided by artists from Audiio. Photo by Helena Lopes from Pexels

Stacking Benjamins in 2022 (End of Year Bonus Episode!) Dec 15, 2021

Show notes

In today's bonus episode, we're diving into hitting your money goals while still having fun!

Ready to Stack Some Benjamins in 2022?

Welcome to this end of year bonus episode!

As we're winding down and wrapping things up for 2021, one of the best things we can do is setting things up to make it easier to achieve our family and financial goals.

For us, it's doing a review of the numbers to see what's worked and what's not. We're also spending time now deciding on what we really want to do in 2022 while of course keeping some flexibility because COVID is still a thing.

A big challenge many families face is creating and sticking with a plan that allows them to pay down their debts, save for priorities, and invest more.

Today's episode has something that I think will be a huge help.

I had the pleasure of chatting with Joe Saul-Sehy of the award winning Stacking Benjamins and personal finance author Emily Guy Birken about their new book, Stacked: Your Serious Guide to Modern Money Management.

Which is a mouthful of a title, but I got to tell you, the thing that jumped out at me about the book was how fun it was to read!

Joe and Emily do an incredible job not just explaining key financial points, but they weave it in with game references (Oregon Trail, Tetris, and Monopoly are included in the first few chapters), but they have inside jokes, comics, and more.

It's all about making personal finance accessible and well, not boring.

So if you're looking for a reset, reboot, whatever you want to call it, I think you'll enjoy our conversation!

Stacked Giveaway

To celebrate having an incredible 2022 and the release of Joe and Emily's book, we're hosting a giveaway!

I'll be doing a random drawing to reimburse 5 listeners who pre-order Stacked as well as give them Amazon gift cards!

Just enter here!

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union. If you're living in the Raleigh Durham area and looking to bank better, come check out Coastal today!

We've been members for years and love their service and competitive rates on checking and savings accounts!

Support the Podcast!

Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it.

Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!

Music Credit

Music in this episode was provided by artists from Audiio.

[Simplify & Enjoy] Creating SMART Family and Financial Goals Nov 10, 2021

Show notes

Today we'll go over key steps on how to make and achieve your big family financial goals for next year!

How to Set Up (And Achieve) Your Family's Financial Goals

As 2021 winds down, now is a great time to set up some pieces with your finances so you can knock things out of the ballpark in 2022.

Last week I went into how we've done year end reviews. They've been a wonderful way for us to get a snapshot of the progress we made and identify areas where we may want to adjust.

Most of the numbers reviewed are automated. There are some fantastic options out there like Personal Capital, Mint, Tiller, and You Need a Budget that can pull the numbers from your accounts into one neat dashboard.

However a year end review is just that - a review. If we want to level up for the next year, we have to have some blueprint or plan.

Here's where it's key for us to create our family financial goals. They give us a guide on how to allocate or prioritize our money for the year.

Today I want to walk you through some critical parts of that process so you can craft a game plan for next year and beyond.

In this episode, we're going to look at how you can tackle some major hurdles families have with creating and reaching their financial goals. We'll discuss:

Creating better family and financial goals by taking the three most popular money goals families set and turning them into SMART goals
Crafting a plan so you develop key habits that make it easier to hit your goals
Finding time to adopt these new habits and systems

Are you ready? Let's get started!

Resources to Build Up Your Family Finances Together

Best Budget and Money Apps: Personal Capital, Tiller, Mint
Grow Your Stash Faster: High Yield Savings with CiT Bank
Jumpstart Your Marriage and Your Money
Join Our Thriving Families Community on Facebook
- Tiny Changes with Big Results
- The Power of Habits
Thank You to Our Sponsor Coastal!
Support for this podcast comes from Coastal Credit Union. If you're living in the Raleigh Durham area and looking to bank better, come check out Coastal today!

We've been members for years and love their service and competitive rates on checking and savings accounts!
Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it.
- Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
- Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
- Grab a copy of Jumpstart Your Marriage and Your Money.

[Simplify & Enjoy] How to Run a Year End Review for Your Financial Goals Nov 03, 2021

Show notes

Get a peek into how we did with our goals for this year and see how you can do your year review and set yourself up for an incredible 2022!

Why You Need to Do a Year-End Review with Your Money

It's November, aka the time of the year where I usually start winding down.

As you may or may not know, I take December off from the podcast to recharge and rest things. We also have our anniversary then.

With those things in mind, these last two episodes of the season are focused on helping you set things up for a fantastic year in 2022 and beyond.

Besides our monthly money review, one of the things we do is a year end review. It's a way for us to review the numbers, celebrate wins, and see what we need to work on.

We then take that information and use it to plan out the next year.

Today I want to walk you through the process. We'll go through our goals we made for the year, finding the money to reach them, and whether we're on track with them or not.

Next week, we'll then look at how to create goals in a way so you can make progress.

Are you ready? Let's get started!

Resources to Build Up Your Family Finances Together

Best Budget and Money Apps: Personal Capital, Tiller, Mint
Grow Your Stash Faster: High Yield Savings with CiT Bank
Jumpstart Your Marriage and Your Money
Join Our Thriving Families Community on Facebook
Mortgage Free Master Plan

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union! If you're living in the Raleigh Durham area and looking to bank better, come check out Coastal today.

We've been Coastal members for a few years have been happy with their services.

Find out more about what Coastal offers here!

Support the Podcast!

Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it.

Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your rating and review on Apple Podcasts.
Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!

[Simplify & Enjoy] Dealing with Awkward Money Conversations as a Couple Oct 28, 2021

Show notes

Today we're going to look at three common and awkward arguments married couples have around money and how you can tackle them together!

Awkward Money Conversations When You're Married

Marriage and money isn't always easy. Chances are the two of you have different personalities and approaches to finances.

Those differences can be a wonderful thing as you two can lean on each other's strengths and shore up weaknesses.

But finding your financial footing as a couple is not automatic. If you don't have some way to work on it, it can hurt your marriage and money.

One of the first things to realize about why couples fight or argue over money is how frequently it's actually NOT about the money. Seriously.

From personal experience, writing and speaking about this for over a decade, the most common reason couples fight about money is that they are not in sync with each other in either their expectations, values, or priorities. Usually it's a combo of them.

While you two aren't always going to see eye to eye on everything – again those differences can be fantastic- there are some ways you can work as a team and use those differences to your advantage.

Today we're going to talk about how you can use that knowledge to untangle some awkward money conversations that can come when you're married.

In this episode we'll get into questions like:

figuring out what counts as a big purchase
whether to loan money to family
coming clean about debts

Resources to Build Up Your Family Finances Together

Best Budget and Money Apps: Personal Capital, Tiller, Mint
Grab Your Copy: Jumpstart Your Marriage and Your Money
Join Our Thriving Families Community on Facebook
Her Dinero Matters Podcast
His and Her Money Show
How to Loan Money to Family (and Not Regret It)
How to Deal with (and Overcome) Financial Infidelity
7 Common Money Arguments in Marriage

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union! If you're living in the Raleigh Durham area and looking to bank better, come check out Coastal today.

We've been Coastal members for a few years have been happy with their services.

Find out more about what Coastal offers here!

Support the Podcast!

Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it.

Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your rating and review on Apple Podcasts.
Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!

[Simplify & Enjoy] Bank Better: How to Switch Your Checking Accounts Oct 20, 2021

Show notes

How happy are you with your current banking situation? Are you getting real value out of your checking and savings accounts? Or do you feel like you're getting nickeled and dimed?

Today we'll go over how to find a better banking option and how to seamlessly move your money!

Why It Matters Where You Bank

These are all important to your financial health and making progress on your goals, however we left the biggest piece of the puzzle last – your day to day bank accounts.

Your check and savings accounts are the backbone to your family's financial system, but for most of us, it's almost like an afterthought.

Much of this goes back to how we chose our accounts in the first place.

For my husband and I, with our first accounts, it was based on who we were already banking with. And at the time we had bank accounts with two of the major banks, we had opened student checking accounts.

When I say they were basic accounts, that's exactly what they were.

Honestly, we just settled with it for way too long. After getting frustrated with the horrible customer service, ridiculous fees. And not seeing any real progress with our financial goals. We decided it was time to change.

We moved our money to an online bank and credit union and i have to say we are so much happier for it.

We feel that our banking partners are actually partners that they're helping us reach our financial goals faster. And make our lives easier with managing our money.

So if you feel that way about your bank or credit union, fantastic.

However, there are plenty of families that feel like they're banking options are hurting them rather than helping.

According to a recent Magnify Money survey, 68% of consumers are frustrated and feel like their savings isn't growing. When you consider that 18% of those said they get less than .05% APY, it's understandable.

What makes it worse are those minimum balances and fees added on their accounts.

Bankrate reported that the average maintenance fee on a checking account that earns interest totaled $196.20/year.

So if you're feeling squeezed, you probably are. That doesn't have to be the case though.

With 2021 winding down, now is a great time to set the pieces up for you to have an incredible year in 2022.

In this episode, we'll go over:

What to look for in your next bank or credit union
How to move your money and switch accounts (and deal with a reluctant spouse)
How to set up your new accounts for your best year ever

Are you ready?

Let's get started!

Resources to Easily Manage Your Money

Best Budget and Money Apps: Personal Capital, Tiller, Mint
Grab Your Copy: Jumpstart Your Marriage and Your Money
Join Our Thriving Families Community on Facebook
Free 401(k) Analysis: blooom

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union! If you're living in the Raleigh Durham area and looking to bank better, come check out Coastal today.

We've been Coastal members for a few years have been happy with their services.

Did you know that Coastal offers a Health Savings Account? If you have a high deductible health plan, you need to take advantage of an HSA.

Find out more about what Coastal offers here!

Support the Podcast!

Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it.

Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your rating and review on Apple Podcasts.
Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!

Photo by Adrien Olichon from Pexels

[Simplify & Enjoy] Keeping Your Financial System Simple and Effective Oct 15, 2021

Show notes

Get a sneak peek at how we handle our money system and our accounts. So that we are working towards our goals, even if we have more pressing or urgent things to take care of on the family front or with work!

Easy Way to Manage Your Money

A financial system that requires you to constantly check and worry about your money isn't going to cut it for most families. It doesn't for us.

With two kids, work, hobbies, and friends, we have a full life and we love it. Quite simply we see money as a tool, not the goal. It's to help us to care of our kids and lother loved ones,

So while I respect those highly detailed spreadsheets with line by line breakdowns of every cent, I save that for quarterly reviews. Instead, budget monthly and do weekly checks on Fridays that usually are five minutes just to make sure everything is running smoothly.

It took some time, but we're grateful to have a financial system that allows us to focus on the big stuff. We love even more considering these past 18 months.

If you're looking to make managing your money much easier, while still hitting your family's financial goals, this is your episode.

Today, we're discussing:

Quick overview of how our financial goals and system shifted to fit the season of life we're in
What principles give the framework to our financial system so we can hit our goals
How to keep lifestyle inflation in check while still enjoying some fun

Are you ready? Let's get started!

Resources to Easily Manage Your Money

Best Budget and Money Apps: Personal Capital, Tiller, Mint
Grab Your Copy: Jumpstart Your Marriage and Your Money
Join Our Thriving Families Community on Facebook
Free 401(k) Analysis: blooom

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union! If you're living in the Raleigh Durham area and looking to bank better, come check out Coastal today.

We've been Coastal members for a few years have been happy with their services.

Did you know that Coastal offers a Health Savings Account? If you have a high deductible health plan, you need to take advantage of an HSA.

Find out more about what Coastal offers here!

Support the Podcast!

Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it.

Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your rating and review on Apple Podcasts.
Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!

[Simplify & Enjoy] 401(k)s: What Couples Need to Know to Maximize Their Retirement Oct 06, 2021

Show notes

For most couples, their 401(k)s are an important part of their retirement plans. Learn how you can avoid making big mistakes and make the most out of your 401(k)!

Making the Most of Your 401(k)

It's just there's a huge information overload and it's easy to get caught in the mess and not be sure how to actually do it.

Today we're going to give you a leg up.

Usually during this time of year, I pull in the experts like certified financial planners where we dive into the nitty gritty details of the different benefits and options that may be available.

I'm grateful for those experts who took the time to share some of their knowledge and will have those episodes up on the homepage so you can listen to them because much of it is still incredibly helpful.

Today, I'm doing what I did last week, which is to go over those FAQs that typically come up. Again, these questions are the ones I see on my side, from discussing through the newsletter, in the Facebook group Thriving Families, or those Google searches.

In this episode we're discussing:

The biggest mistakes couples make with their 401(k)s
Figuring out how much you need to contribute
What to do with your 401(k) at your old job

Are you ready? Let's get started!

Resources for Smarter Investing

If you want to learn more about investing and staying on top of your money, here are some resources to check out:

Best Budget and Money Apps: Personal Capital, Tiller, Mint
Free 401(k) Analysis: blooom
Grow Your Stash Faster: High Yield Savings with CiT Bank
Jumpstart Your Marriage and Your Money
Best Budget and Money Apps: Personal Capital, Tiller, Mint
Free 401(k) Analysis: blooom
Grow Your Stash Faster: High Yield Savings with CiT Bank
Jumpstart Your Marriage and Your Money
How to Start Investing: A Simple Guide for Busy Couples
How to Maximize Your Retirement with Your 401(k)s
How Much Should We Contribute to Our 401(k)?
Master Your 401(k): Optimizing Your Investments
Join Our Thriving Families Community on Facebook
Capitalize: 401(k) Rollovers made easy

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union! If you're living in the Raleigh Durham area and looking to bank better, come check out Coastal today.

We've been Coastal members for a few years have been happy with their services.

Did you know that Coastal offers a Health Savings Account? If you have a high deductible health plan, you need to take advantage of an HSA.

Find out more about what Coastal offers here!

Support the Podcast!

Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it.

Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your rating and review on Apple Podcasts.
Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!

[Simplify & Enjoy] Open Enrollment: Keeping Health Insurance, Dental, and Disability Affordable Sep 29, 2021

Show notes

It's that time again... open enrollment season and with it, a lot of decisions to make for the upcoming year. Today, we're going to go over how you can maximize your benefits, especially when it comes to health, dental, and disability insurance!

Choosing Your Health Insurance, Dental, and Disability

If there's one area of finances where families have a hard time -either they're not maximizing or they misunderstand it- it's open enrollment season. It's that time of year where HR sends you a packet of information about your benefits.

One of the big things that I want families to focus on- especially busy ones- is going for the big wins.

Yes. It is beneficial to get better financial habits and cutting those unnecessary expenses, maybe five or $10 here and using that money towards more impactful family and financial goals.

But going for the big wins means that for a little bit of time and effort, you can have reoccurring winds or see a significant drop in your expenses or increase your savings. This is where open enrollment fits in.

For this limited window that you get this information, you're going to be making some significant financial decisions for the upcoming year. The biggest one for most families, health insurance. What makes us extra challenging is we're doing this in the midst of still dealing with COVID.

All this week and next, I want to make things easier for you so that you can focus on the key discussions you need to have so you can make the best choices for your family's particular needs.

I'll be releasing on the site previous episodes where I've talked with certified financial planners about the ins and outs and details about your options.

Today we're going to focus more on a Q and a style approach. Based on your feedback, along with what I'm seeing on my side with Google search in the community chat, I'm going to go over those questions that families often have as they're sorting through the paperwork.

Our focus today will be on:

weighing the pros and cons of health insurance plans
why disability insurance doesn't get the credit it deserves
how tax advantage accounts like HSAs and FSAs can help you save a significant amount of money

Are you ready?

Let's get started!

Resources to Save serious Money

Are you looking for more help with maximizing your benefits and saving more money? Here are some resources:

Best Budget and Money Apps: Personal Capital, Tiller, Zeta, HoneyFi, and Mint
Grow Your Stash Faster: High Yield Savings with CiT Bank
Free 401(k) Analysis: blooom
Jumpstart Your Marriage and Your Money
Work Pants Finance
4 Tips to Make Filing Your Taxes Easier
How to Find the Best (and Affordable!) Health Insurance Plan for Your Family
How to Maximize Your Retirement with Your 401(k)s
Insurance Coverage Families Needs with Matt Becker

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union! If you're living in the Raleigh Durham area and looking to bank better, come check out Coastal today.

Did you know that Coastal offers a Health Savings Account? If you have a high deductible health plan, you need to take advantage of an HSA.

Find out more about what Coastal offers here!

Support the Podcast!

Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it.

Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!

[Simplify & Enjoy] Keeping Your Budget Flexible and Fun Sep 22, 2021

Show notes

How are you feeling about your progress this year with your financial goals? Are you frustrated because you're not hitting them as fast as you had hoped? Do you feel like managing money is a chore? Believe it or not, these problems are connected.

Today, I'm going to break down and show you how to build a flexible financial system that will get you to your goals faster!

Keeping Your Budget Flexible and Fun

Recently I had a chat with rich Jones for the Paychecks and Balances Podcast.

The theme of our discussion was managing finances when undergoing a life transition, but it quickly widen out and scope. After my chat with Rich, our discussion stuck with me.

Having written about personal finance for 12 years and podcasting, a little over half that time, I noticed a certain rhythm with people in their interests and finances.

Beginning of the year, it's all about setting up these big goals, paying off debt, saving up for a huge house down payment.

For some, it truly is the beginning of an awesome year. They get these new habits set up. They have their systems in place.

Others though, they're already having a hard time keeping up those habits, part of it is life shifts.

Between January and to about April when I look on my side of things with site traffic, And Google searches, that's when people are most interested in their finances.

Further into the year, no matter what camp you're in the seasons change and life rolls on.

With September zooming by and the last quarter coming up. I find it's another point in the year where we reflect. We have this many awareness that the year's wrapping up. We're reviewing how much we've accomplished.

Now on top of the regular seasonal changes in the year. We still have the COVID pandemic that we're dealing with.

Rather than fight the seasonal shifts or craft these perfect on paper budgets, but they fall apart during real life pivots, we have to address a fundamental issue -building a sustainable and flexible system for handling your finances so that you can live your life and if something happens adjust as needed.

Instead of chasing money as the target or the goal really should be using it as a tool.

In this episode, we're going to break that down so that you can create a financial system that is easy to maintain and adjust and have a sustainable budget that's flexible and fun.

Are you ready? Let's get started!

Handy Tools to Build Your Financial System Quickly and Easily

Best Budget and Money Apps: Personal Capital, Tiller, Mint
Grab Your Copy: Jumpstart Your Marriage and Your Money
Join Our Thriving Families Community on Facebook

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union! If you're living in the Raleigh Durham area and looking to bank better, come check out Coastal today.

We've been Coastal members for a few years have been happy with their services.

They have wonderful customer service along with competitive rates to make saving easier!

Support the Podcast!

Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it.

Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your rating and review on Apple Podcasts.
Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!

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