#130 Should you save for retirement or pay off debt?

March 13th, 2023  |  30 mins 36 secs

paying off debt, retirement

Have you thought about stopping retirement contributions because some finance guru told you to pay off your debt first?

Or maybe you aren’t sure if you should start contributing when you have debt to pay.

A lot of people will even tell you to go ahead and pay off the high interest rate first because it accrues more than the market….

Well today I’m going to discuss the actual numbers and how all that logic is flawed except for in a very very small fraction of the population.

#129 Deserve is Not a Currency

March 9th, 2023  |  13 mins 22 secs

budgeting, debt, goals, saving money

Have you ever really wanted something but knew you really shouldn’t buy it or at least should wait because you didn’t have the money?

Or maybe you couldn’t afford it at all but you really wanted it so you told yourself “I deserve it”.

Maybe it was the new car you really liked but the car payment was going to be a stretch and you’d have to work extra to make it work……every single month for 6+ years…..

But in your mind it would totally be worth it but you really wanted this new shiny car…

You could just stop eating out for lunch everyday to make up the difference right?

Or maybe cut cable or streaming services to help make it work.

You say things like “I work hard, I deserve it”

#128 What if I Didn't Stop

March 6th, 2023  |  6 mins 45 secs

budgeting, debt, goals

128 - Another milestone for the Money Mindset Podcast! Woohoo!

#127 BSS - When to pay off 0% interest debt first

March 2nd, 2023  |  18 mins 51 secs

debt

Have you ever found yourself with multiple debts and struggled to decide which one to pay off first? Should you focus on paying off high-interest debt, the smallest balance, or 0% interest debt?

Paying off 0% interest debt first can be a dilemma for some people. While it may seem logical to pay off high-interest debt or the smallest balance first, there are situations where paying off 0% interest debt makes more sense.

In this episode, Ashley will discuss when it may be beneficial to pay off 0% interest debt before high-interest debt or the smallest balance debt, and how to determine if this strategy is the right choice for your individual financial situation.

#126 BBMU - Should you use a debt relief company?

February 27th, 2023  |  32 mins 55 secs

debt

Debt relief companies are a popular choice for people who are struggling to manage their debts. They offer a variety of services to help people reduce or eliminate their debt burden. But is this really a good option for you?

Before deciding to use a debt relief company, there are a few things to consider. Listen in as Ashley discusses some of these points and offers some guidance to help you make the right choice.

#125 Why You Should Have Fun Money When In Debt

February 23rd, 2023  |  15 mins 18 secs

debt

125 - Has some "expert" told you that if you are in debt, you can't have any fun and must eat beans and rice every day?

Well......that's a terrible way to live and it will backfire in a big way!

#124 5 Things Your Parents Didn't Teach You About Money!

February 20th, 2023  |  18 mins 51 secs

budgeting, debt, goals

124 - I doubt that anyone, including your parents, taught you these things! Why? Because they likely didn't know either!

#122 Do ONE thing at a time!

February 6th, 2023  |  8 mins 21 secs

budgeting, debt, goals

122 Do you feel like you aren't making any progress with your money plan even though you've been trying for awhile?

It could be because you are making this one mistake.....

#121 BSS - Deciding Which Debt to Pay First

February 2nd, 2023  |  29 mins 27 secs

budgeting, debt, goals

Wondering where to put the rest of your money after you've paid all your bills? Should you use it to pay off more debt, or should you put it towards something else?

#120 Our Worst Financial Mistake That Cost Us $1million dollars 😲

January 30th, 2023  |  14 mins 51 secs

debt, investing

120 We learn more from our mistakes than we do from our success....

#119 Things to Know & Do When Caring for a Parent or Grandparent

January 26th, 2023  |  44 mins 1 sec

budgeting

119 Are you in the sandwich generation, trying to care for your kids while also care for a parent or grandparent? Check out these need to know tips for handling this stressful situation without losing your mind!

#118 BBMU - How to Start Changing Your Behavior

January 23rd, 2023  |  1 hr 2 mins

budgeting, debt, goals

118 Our first community meetup where we discuss how to start changing your behavior and what does that even mean? Plus what is the debt snowball and share our wins from the month.

#117 BSS - Getting back on track after taking time off from working

January 19th, 2023  |  28 mins 6 secs

budgeting, finances, spending

117 Need help getting back on track with your finances after taking time off from working?

#116 The Key to Sticking to Your New Year Resolutions in 2023

January 16th, 2023  |  11 mins 56 secs

budgeting, debt, goals

116 Do you wonder where all your money went year after year? You do your taxes and are shocked at how much made and have nothing to show for it? This year can be different if you change this one thing!

#115 5 Budget Mistakes to Avoid in 2023

January 12th, 2023  |  18 mins 32 secs

budgeting, debt, saving

115 Avoid these mistakes so you can have a productive and success year!

#114 How to Pay Off Debt & Save at the Same Time (Q&A pt4)

January 9th, 2023  |  17 mins 27 secs

budgeting, debt, saving

114 - I answer questions like....How do you pay off debt and save while living paycheck to paycheck? How do you get past the guilt when the plan doesn't go as planned? and Can you start your budget for the month with the previous month's last paycheck?