How to Money

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Latest Episodes:

Ask HTM - Going on Vacation While Still in Student Loan Debt, Paying for a Home Renovation, and Credit Card Auto Rental Insurance #136 Nov 04, 2019

Show notes

This week on the pod we’re answering your questions! 1 - How do I justify going on vacation while I still have student loans? 2 - Should I pay for an addition with a home equity loan or by draining my emergency fund? 3 - Is the rental car insurance provided by my credit card a good option? 4 - How can I drop PMI early? 5 - What should I do with my Roth IRA that is currently with a high cost brokerage?

And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/ask

During this episode we enjoyed a Liquid Stardust by Surly Brewing- a big thanks to our friends at Surly for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to spread the word to get more people doing smart things with their money!

Best friends out!

Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

See omnystudio.com/listener for privacy information.

Amassing Peace Out Money Creates Freedom (Bestie) #135 Oct 30, 2019

Show notes

Imagine that you have a well paying job but otherwise it sucks and you wish you could leave. And now imagine that an amazing opportunity comes along for you to start your dream business- that thing you’ve always wanted to do, but the problem is that you know you won’t be able to pay yourself for a solid year. What you need is peace out money to keep you afloat! Or maybe some family or health issues have come up and you want to be able to spend time with family, or maybe you just want to take some time off and road trip it for 6 months. Either way, the answer is peace out money! We’re defining this as having enough money on hand to leave situations or jobs where you could technically stay, but you’re choosing not to because you’d rather do something else. You have that peace out money to bridge you to the next job or opportunity that you really want to pursue. Listen to the full episode to hear the additional benefits of peace out money, how it's different than reaching financial independence, and then finally the steps you can take to make sure you have your own peace out money set and ready for when you need it.

And during this episode we enjoyed a 2014 Oud Bruin by yEast Atlanta Brewers which you can find and learn all about on Untappd. A big thanks to our friend John for brewing, aging, and donating this beer! If you enjoyed this episode, be sure to subscribe and review us in Apple Podcasts or wherever you get your podcasts!

For specific links and additional information about this episode, head over to our site: HowToMoney.com . Best friends out!

Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

See omnystudio.com/listener for privacy information.

Extreme Frugality in a Culture of Excess with Liz Thames #134 Oct 28, 2019

Show notes

Liz Thames, better known as Mrs. Frugalwoods, is the creator of the award-winning personal finance blog, Frugalwoods.com and she’s the author of the book, Meet The Frugalwoods: Achieving Financial Independence Through Simple Living. At age 32, she reached financial independence and left a successful career in Boston to create a more meaningful, purpose-driven life on a 66-acre homestead in the woods of Vermont with her husband and their two young daughters. Liz has been featured on The Today Show, PBS, NPR, in the New York Times and more. We’re excited to hear about the frugal steps she took in order to achieve financial independence, the side benefits of frugality, as well as what her life looks like there on the homestead.

During this episode we enjoyed a Boss Tweed by Old Nation Brewing- which you can find and learn all about on Untappd! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.

Best friends out!

Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

See omnystudio.com/listener for privacy information.

Save Big Money on Travel Lodging #133 Oct 23, 2019

Show notes

In order to travel affordably, we have to keep our lodging costs in check! The money we spend on a comfortable place to sleep at night can be a huge expense, sometimes keeping us from traveling at all. Luckily there are some incredible ways to save more thanks to the internet and different apps created specifically to improve price transparency and to help you find the best deal online. We also have some great suggestions with some specific strategies to allow you to save big money on travel lodging.

During this episode we enjoyed a Darkness by Surly Brewing- a big thanks to our friends at Surly for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.

Best friends out!

Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

See omnystudio.com/listener for privacy information.

Ask HTM - Negotiating a Salary for an Entry Level Position, Cars with Salvage Titles, and Saving and Investing with a Wildly Varying Paycheck #132 Oct 21, 2019

Show notes

This week on the pod we’re answering your questions! 1 - Should I negotiate my salary for an entry level position? 2 - As we begin to consolidate our debt, what effect will closing some credit cards have on the type of loan we’re able to get? 3 - Should I keep my HSA with my employer or take it somewhere else? 4 - Is a salvage title a deal breaker? 5 - How to save and invest effectively on a wildly varying paycheck?

And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/ask

During this episode we enjoyed a If It's The Peaches by Cherry Street Brewing- which you can find and learn all about on Untappd! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.

Best friends out!

Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

See omnystudio.com/listener for privacy information.

Creating a Holiday Spending Plan #131 Oct 16, 2019

Show notes

Countless Americans don’t have a plan for how much they will spend or who they will be buying for this holiday season. What results is we end up with that all too familiar spending hangover with folks paying off those “unforeseen” expenses well into the New Year. Instead, we can avoid that debt by beginning to think and save now (even starting to save now for next year!), and creating a spending plan that includes things like gift budgeting, making cuts to your list of who to include, and tracking your spending. And while you’re making these changes, it’s really important to communicate the reasons why you might be cutting back- you don’t want your friends thinking you hate them! Talking about it with those you care about is an important step and we dive into how to do that effectively.

During this episode we enjoyed a Timely Surrender by Archetype Brewing- another big thanks to Brad and Corina up at Archetype for donating the beers to the show this week! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.

Best friends out!

Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

See omnystudio.com/listener for privacy information.

Brilliant Real Estate Investing Tactics with David Greene #130 Oct 14, 2019

Show notes

For this episode, we’re excited to hear from David Greene who is a nationally recognized authority on real estate investing. David has been on CNN, Forbes, and HGTV several times and he’s also a former police officer and current co-host of the BiggerPockets real estate podcast. He is the author of best selling books like “Buy, Rehab, Rent, Refinance, Repeat: The BRRRR Rental Property Investment Strategy Made Simple” and “Long Distance Real Estate Investing”. We not only hear his tips on what to look for when purchasing a solid investment property, but we also go back to his fortuitous beginnings in real estate and the type of mindset that is required in order to be a successful real estate investor.

During this episode we enjoyed a The Explorer by Archetype Brewing- a big thanks to Brad and Corina up at Archetype for donating this beer to the show this week! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.

Best friends out!

Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

See omnystudio.com/listener for privacy information.

Becoming Financially Optimistic #129 Oct 09, 2019

Show notes

It’s vitally important to discuss financial optimism because a LOT of folks have negative money scripts floating around their heads. Their pessimism hurts their current view of their money and their future financial wellbeing. How can we combat that? Financial optimism. We need to understand the good that currently exists in our lives and cultivate a hopeful attitude towards our finances. When we’re pessimistic about the current state of our financial health, it leads to inaction and that creates a cycle that secures that pessimism for the long term. It’s time to flip the script, change how we view our finances, and start doing awesome things with our money!

During this episode we enjoyed a Caramel Macchiato Stout by Old Bust Head- a big thanks to Matt’s in-laws for donating this beer to the show this week! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.

Best friends out!

Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

See omnystudio.com/listener for privacy information.

Ask HTM – Budgeting to Care for an Aging Parent, Car Subscription Plans, and Timeshares #128 Oct 07, 2019

Show notes

This week on the pod we’re answering your questions! 1 - What are some strategies to keep my healthcare affordable before Medicare kicks in? 2 - Financially speaking, should I be preparing to take care of my aging mom who is bad with her money? 3 - What kind of receipts should I be keeping up with as I manage my financial affairs? 4 - Are car subscription services, like Care by Volvo, a good way to pay for a car? 5 - Timeshares seem so cheap these days, are they a good deal?

And if you have a question for us, we’d love for you to submit your own via HowToMoney.com/ask

During this episode we enjoyed a Melange #14 by The Bruery- which you can find and learn all about on Untappd! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.

Best friends out!

Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

See omnystudio.com/listener for privacy information.

To Refi or Not to Refi? #127 Oct 02, 2019

Show notes

With mortgage rates near all-time lows, now is a great time to consider refinancing. Pouncing on these lower rates can lower our monthly mortgage payment, allowing us to free up some money that was being funelled towards housing. But what else should we consider? Are you a good candidate for a refinance? And then on top of that there are also costs involved in refinancing that can make it prohibitive. In this episode we discuss the factors you need to consider, some great reasons to refi, and how to make sure you are refinancing effectively.

During this episode we enjoyed an Old Tuffy by New Belgium- a big thanks to Maggy for donating this beer to the show this week! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.

Best friends out!

Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

See omnystudio.com/listener for privacy information.

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