Podcasts by Follow Me out of Debt | Get out of debt and get into prosperity!

FMOOD 0433: Taking on Too Big of a Chunk from 2022-02-21T08:00

The last thing that you want to do is stop progress when you take on too big of a chunk (or bite off more than you can chew). Instead, you should just take smaller bites.

FMOOD 0432: Expecting a Tax Refund? from 2022-02-14T08:00

It's smart to plan ahead in most circumstances, and this is especially true if you are expecting a tax refund this year.

FMOOD 0431: The Quickest Ways to Save for Your Starter Emergency Fund from 2022-02-07T08:00

These methods will help you to kickstart your starter emergency fund savings goal and will help you to apply these same strategies towards debt payoff as well.

FMOOD 0430: The Truth About No-Interest Credit Offers from 2022-01-24T08:00

Are no-interest credit offers a good thing or a bad thing?

FMOOD 0429: A Little Chat from 2022-01-17T08:00

Let's have a little chat and see if we might gain some value out of this.

FMOOD 0428: When the Smallest Balance Becomes Bigger from 2022-01-10T08:00

If you're paying off your debts smallest to largest, you will eventually come to a point where the smallest balance becomes a bit bigger than you were used to previously.

FMOOD 0427: Strength and Purpose in 2022 from 2022-01-03T08:00

Will 2022 be your year to substantially pay down debt or perhaps even pay it off completely?

FMOOD 0426: In the Thick of It from 2021-12-06T08:00

When it comes to paying off debt, when you're in the thick of it, you're in a unique position with its share of ups and downs.

FMOOD 0425: The Sideline Christmas Budget from 2021-11-29T08:00

Learn how to properly budget for Christmas gifts so that your end of the year spending doesn't spill over into the new year.

FMOOD 0424: Fear Not the Large Payments on Credit Cards from 2021-11-22T08:00

Does the thought of making a much larger payment on a credit card cause a little hesitation?

FMOOD 0423: They May Not Cheer When You Win from 2021-11-08T08:00

Sometimes folks may not react to your news of getting out of debt like you might expect. The key is to know that it's not you; it's simply that they may not cheer when you win.

FMOOD 0422: Tips for Staying Organized from 2021-11-01T07:00

It's important to stay organized, even if you need to periodically reset.

FMOOD 0421: Plan or Fail from 2021-10-25T07:00

Proper planning is crucial to success. It's as simple as that.

FMOOD 0420: Follow Through from 2021-10-18T07:00

After setting a goal, it may feel like you've accomplished something. However, your goals and tasks need to be nutured, and part of that includes following up and following through.

FMOOD 0419: The Excitement of Change from 2021-10-11T07:00

How can you harness the excitement of change, even if you're someone who usually resists it?

FMOOD 0418: Attitudes from 2021-10-04T07:00

Let's talk about our attitudes when it comes to stress and how we can better manage stress through our own attitudes.

FMOOD 0417: The Daily Five from 2021-09-27T07:00

How would your life change if you accomplished five important and prioritized tasks every single day?

FMOOD 0416: Pay Down Debt With a Purpose from 2021-09-20T07:00

Whether your goal is getting out of debt or something entirely unrelated to personal finance, having a purpose is paramount.

FMOOD 0415: How to Start a Business With Little or No Money from 2021-09-13T07:00

How to start a business with little or no money (well, you will need some money).

FMOOD 0414: Who's Your Accountability Partner? from 2021-09-06T07:00

Having an accountability partner when you're working towards a larger goal will boost your chances of success exponentially.

FMOOD 0413: Getting Out of Debt Without Giving up Everything from 2021-08-30T07:00

If getting out of debt is making you miserable, then you're doing it all wrong.

FMOOD 0412: How to Do an Annual Budget and Why from 2021-08-23T07:00

It's information. It's planning. It's goal-setting. It's excitement. It's time for real talk about annual budgeting.

FMOOD 0411: Don't Feed the Lottery Machine from 2021-08-16T07:00

Those bright and colorful lottery machines are costing you more than you realize.

FMOOD 0410: That Small Voice of Doubt from 2021-08-02T07:00

Have you ever looked into why you stopped short of success? It could be because of that small voice of doubt, and if it was, it's time to take back the power and use it to accomplish our goals.

FMOOD 0409: Little by Little from 2021-07-26T07:00

When we realize the weight of a certain problem, an anxious response is common. The key is to not be overwhelmed for longer than necessary by taking things little by little.

FMOOD 0408: One Thing from 2021-07-19T07:00

Multitasking is a hoax, or at least it's not what it seems to be.

FMOOD 0407: Getting Over the Hump from 2021-07-12T07:00

If you haven't done so already, eventually you will get to the point where the journey is no longer an uphill climb but instead a downhill decent. You'll pick up speed with paying down debt, and...

FMOOD 0406: Iron Sharpens Iron from 2021-07-05T07:00

In Proverbs 27:17, we know that iron sharpens iron, so one man sharpens another (NIV). How does this relate to personal finance?

FMOOD 0405: Beware of the Loan Check from 2021-06-21T07:00

Does this sound familiar? A check is received in the mail, completely unsolicited, asking you to cash the check immediately to use however you wish. Beware and always read the fine print, and re...

FMOOD 0404: Your Roadmap from 2021-06-07T07:00

When you travel to a new destination, you will likely use an app, GPS, or even an old-school map to get there. Planning to get out of debt isn't much different.

FMOOD 0403: Boost Your Credit Score With the 25 Percent Rule from 2021-05-31T07:00

A healthy credit score is important to have. A credit score is not just for getting a loan. As a matter of fact, your credit score can be used to determine your premiums you pay on auto insuranc...

FMOOD 0402: Why We Buy Things That We Can't Afford from 2021-05-17T07:00

John Maxwell has famously stated that a budget is telling your money where to go instead of wondering where it went. Our budget needs to be truthful and honest. Overspending happens when we lie ...

FMOOD 0401: Be a Fast Learner from 2021-05-10T07:00

We all make mistakes, right? Some of those mistakes are larger and more destructive than others, but the common thing about all mistakes, both large and small, is that we have an opportunity to ...

FMOOD 0400: The Power of Our Similarities from 2021-05-03T07:00

How can we use the power of our similarities to work together to get out of debt faster than we could if we were just going at it alone?

FMOOD 0399: Introducing Debt Support from 2021-04-26T07:00

A new group on Facebook has been created for our community of like-minded folks to ask questions, get into conversations, celebrate victories, and much more. Find out how you can join this free ...

FMOOD 0398: The Minimalist Budget from 2021-04-19T07:00

Doing a minimalist budget isn’t the same as frugality. Being frugal is always helpful when it comes to saving money, but a minimalist budget is less about frugality and more about reducing the n...

FMOOD 0397: The Joy of No Car Payments from 2021-04-12T07:00

Last week, I headed over to the credit union and wrote the check to officially pay off our second vehicle. Aside from the taste of freedom, there are also some great tips on what to do with the ...

FMOOD 0396: Cheap Living from 2021-04-05T07:00

Here are my top 5 tips on cheap living, and when you implement these tips, you will save money. I want you to feel comfortable about being cheap, because it's not really a bad thing, especially ...

FMOOD 0395: What Living Below Your Means... Means from 2021-03-29T07:00

The money that you are bringing in, either on your own or between you and your spouse, is meant to pay for certain expenses. When those expenses start to equal more than your available means, yo...

FMOOD 0394: What I Learned From the Grocery Budget Makeover from 2021-03-22T07:00

The Grocery Budget Makeover is hands down one of the most easy-to-follow, informational, motivational, and just downright simple programs out there to truly help you to save hundreds of dollars ...

FMOOD 0393: Get Paid What You're Worth from 2021-03-08T08:00

Getting paid what you're worth not only affects your current earnings but future earnings as well. Find out how to earn more, even if it's not through your current place of employment.

FMOOD 0391: For All Warriors from 2020-12-14T08:00

This one's for all of the warriors out there, battling debt and taking names.

FMOOD 0390: Best of FMOOD (The Importance of Weekly Budget Updates) from 2020-12-07T08:00

In this best-of series, we're revisiting the importance of weekly budget updates.

FMOOD 0389: Choose Your Hard from 2020-11-30T08:00

Life was never promised to be easy, but when things are hard, we get to choose our hard.

FMOOD 0388: Hiatus from 2020-11-23T08:00

After a four-month hiatus, it's time to get back to business with new content and a new perspective!

FMOOD 0387: How to Raise Your Credit Score During a Pandemic from 2020-07-06T07:00

We're talking about how to raise your credit score during a pandemic, and it's not as difficult as you may think.

FMOOD 0386: Don't Sell Yourself Short from 2020-06-01T07:00

It's human nature to settle in times of desperation. This applies to many different things, including our choice of vocation. 

We are living in uncertain times, and both the econ...

FMOOD 0385: What's New This Month (April 2020) from 2020-04-27T07:00

It's time for a monthly check-in to discuss what I've been up to as it relates to getting out of debt and getting into prosperity.

I think that it's a good idea for us to touch b...

FMOOD 0384: The Savings Game from 2020-04-20T07:00

Here's an alternative to paying down debt that might actually help you to pay things off even faster. I'd like to introduce you to something that I like to call The Savings Game. I would say tha...

FMOOD 0383: The Best Advice for Your Stimulus Check from 2020-04-13T07:00

What do you plan to do with your stimulus check? This is going to vary based on individual situations, of course.

Some folks are now unemployed due to this pandemic or have a red...

FMOOD 0382: The New Economy from 2020-04-06T07:00

Will the new economy change the way that we work, shop, and define our wants versus our needs? I think so.

While working from home has become more prevalent, it's not a new idea....

FMOOD 0381: What's New This Month (March 2020) from 2020-03-30T07:00

It's time for a monthly check-in to discuss what I've been up to as it relates to getting out of debt and getting into prosperity.

I think that it's a good idea for us to touch b...

FMOOD 0380: A Personal Finance Conversation on COVID-19 Coronavirus from 2020-03-23T07:00

This has been called an unprecedented event; a true pandemic that has shut down the majority of what we know to be normal. Businesses are closed or will close, churches are moving to video or au...

FMOOD 0379: Don't Pay Cash for Your Next Vehicle Until You Listen to This! from 2020-03-16T07:00

You've heard it before. Someone walks into an automobile dealership and proclaims that they are a cash buyer. When you hear about these folks, they seem to be these mysterious creatures who have...

FMOOD 0378: Notch Up from 2020-03-09T07:00

I've been thinking about notching things up a little and taking more drastic measures to accelerate debt payoff. One of the things that I've discovered is that it's very common for many folks wh...

FMOOD 0377: Cash as a Metric from 2020-03-02T08:00

One of the best ways to know how well we're doing is to have a metric in place. This apples to being able to tell how well we are doing with our goals of getting out of debt and getting into pro...

FMOOD 0376: How to Start a Business With Little or No Money from 2020-02-24T08:00

Have you ever wondered how you can start a successful business with little or no money? It's not easy, but it's also not as difficult as you might think.

Many folks believe that ...

FMOOD 0375: That First Step from 2020-02-17T08:00

Planning is one thing, but action is a whole different beast. If you have yet to take that all-important first step, it's time to do that today. Don't wait until tomorrow; you won't see your goa...

FMOOD 0374: Who's to Blame? from 2020-02-10T08:00

It's easy to get lost in the blame game. As an almost unspoken rule of human nature, we tend to blame others for our own shortcomings, or we place blame on certain individual circumstances.

FMOOD 0373: Break Free from 2020-02-03T08:00

It's time to break free from the chains that have been keeping you bound for way too long. When an elephant is used for purposes that are different from its natural habitat, such as training to ...

FMOOD 0372: What's New This Month (January 2020) from 2020-01-27T08:00

It's time for a monthly check-in to discuss what I've been up to as it relates to getting out of debt and getting into prosperity.

I think that it's a good idea for us to touch b...

FMOOD 0371: What Is Your Endgame? from 2020-01-20T08:00

Knowing your endgame can help to get you through this journey of getting out of debt, especially if you can envision what life will be like once you're out of debt and getting into prosperity. Listen

FMOOD 0370: Why I Love This Show from 2020-01-13T08:00

I may be a bit biased, but I love this show. It's not what you think, though. The reason that I love this show is the community. Tune in as we see first-hand how our community of like-minded fol...

FMOOD 0369: Ways to Save Money in 2020 from 2020-01-06T08:00

We already know that saving money is one of the ways that will help us to reach our goal of getting out of debt. I have complied a list of the more common ways that we can save money this year a...

FMOOD 0368: What's New This Month (December 2019) from 2019-12-30T08:00

It's time for a monthly check-in to discuss what I've been up to as it relates to getting out of debt and getting into prosperity.

I think that it's a good idea for us to touch b...

FMOOD 0367: Is Your Gym Membership a Great Deal or a Money Steal? from 2019-12-23T08:00

Is your gym membership a great deal or a money steal? Right before the start of a new year through the first month of a new year, you will see various gyms around your area offering no money dow...

FMOOD 0366: Get Ready for 2020 from 2019-12-16T08:00

It's time to get ready for the upcoming year. What do you have planned for 2020? 

Even if you got stuck in a rut during this last year, it's time to get your ducks in a row and s...

FMOOD 0365: Simplicity from 2019-12-09T08:00

Don't make things more complex than they need to be. Most of the things that get into our inboxes or our mailboxes are nothing more than distractions. 

It's best to keep your eye...

FMOOD 0364: What's New This Month (November 2019) from 2019-12-02T08:00

It's time for a monthly check-in to discuss what I've been up to as it relates to getting out of debt and getting into prosperity.

I think that it's a good idea for us to touch b...

FMOOD 0363: We All Make Mistakes from 2019-11-25T08:00

Everyone makes mistakes. The key is to allow ourselves forgiveness for those mistakes. We might be able to forgive others easily, but sometimes we don't forgive ourselves as easily.

FMOOD 0362: Be Water, My Friend from 2019-11-18T08:00

Empty your mind. Be formless, shapeless, like water. If you put water into a cup, it becomes the cup. You put water into a bottle, and it becomes the bottle. You put it in a teapot, it becomes t...

FMOOD 0361: Why We Do What We Do from 2019-11-11T08:00

Why do we do the things that we do to get out of debt, and why is this such an important question to ask ourselves? If we can define our reason why we do what we do early on, we'll have a much g...

FMOOD 0360: Debt Settlement Reviews from 2019-11-04T08:00

Have you received a letter in the mail asking if you want to participate in debt settlement? Many times, the letter or the commercial that you see on television or hear on the radio about this p...

FMOOD 0359: What's New This Month (October 2019) from 2019-10-28T07:00

It's time for a monthly check-in to discuss what I've been up to as it relates to getting out of debt and getting into prosperity.

I think that it's a good idea for us to touch b...

FMOOD 0358: Debt by Design from 2019-10-21T07:00

Discover today how credit card companies and other similar entities try to keep us in debt and why. There are many different ways that credit card companies will utilize different perks, fee dis...

FMOOD 0357: How and Why to Focus on One Debt at a Time from 2019-10-14T07:00

Why should you focus on one debt at a time? The quick and easy answer to this question is that it is much easier to process smaller bites of something rather than taking everything on all at onc...

FMOOD 0356: Your Debt Diet from 2019-10-07T07:00

It's time to go on a financial diet. Akin to realizing that you've put on a few extra pounds and want to go on a diet to lose some weight, we can come to the realization that we've taken on too ...

FMOOD 0355: What's New This Month (September 2019) from 2019-09-30T07:00

It's time for a monthly check-in to discuss what I've been up to as it relates to getting out of debt and getting into prosperity.

I think that it's a good idea for us to touch b...

FMOOD 0354: How to Increase Your Credit Score (And Why It's Important) from 2019-09-23T07:00

Your credit score is more than just a number that financial institutions use to offer lines of credit or loans. The credit score for most people is an important number because there are other en...

FMOOD 0353: You Are Not Your Debt from 2019-09-16T07:00

Whatever you do, don't let debt define you. You are a completely separate entity from your debt. As a matter of fact, you are the one who will be putting that debt in its place, and this is goin...

FMOOD 0352: Why Paying with Cash Matters from 2019-09-09T07:00

When forming our spending habits, using cash is an absolute necessity. It is usually difficult to truly change our spending habits if we've been accustomed to using credit cards for a while and ...

FMOOD 0351: What Your Starter Emergency Fund Amount Should Be from 2019-09-02T07:00

How much should your starter emergency fund amount be? Many times, you will hear that your starter emergency fund should be $1,000. Is that really enough for you? Is that even something that you...

FMOOD 0350: What's New This Month (August 2019) from 2019-08-26T07:00

It's time for a monthly check-in to discuss what I've been up to as it relates to getting out of debt and getting into prosperity.

I think that it's a good idea for us to touch b...

FMOOD 0349: Fear Can Be Your Friend from 2019-08-19T07:00

The emotion of fear can be a source of panic, or it can be a good friend nudging you towards accomplishing your goals. The decision is completely up to you, and it almost completely depends upon...

FMOOD 0348: The Golden Spending Rule from 2019-08-12T07:00

Listen

FMOOD 0347: When You Have a Bad Day from 2019-08-05T07:00

What is the best thing to do when you're having a bad day, week, month, or even a bad year? That first sentence sounds like the song from the TV show Friends, doesn't it?

The rea...

FMOOD 0346: What's New This Month (July 2019) from 2019-07-29T07:00

It's time for a monthly check-in to discuss what I've been up to as it relates to getting out of debt and getting into prosperity.

I think that it's a good idea for us to touch b...

FMOOD 0345: When to Fix a Vehicle and When to Buy Another from 2019-07-22T07:00

When is it appropriate to repair a vehicle as opposed to purchasing another? If you haven't had to ask this question yet, you will likely need to eventually.

I recently had a sit...

FMOOD 0344: Debt Predators from 2019-07-15T07:00

Just as things start to get a little desparate, you'll notice the debt predators creeping out of the woodwork. You'll walk out to the mailbox or check your e-mail, and you'll see these various c...

FMOOD 0343: It's Time to Break up With Debt from 2019-07-08T07:00

We've all been in a bad relationship at least once in our lives. We've all been in a situation where our best move was to end the relationship to benefit either ourselves or both people involved...

FMOOD 0341: They Control You from 2019-06-24T07:00

Whether you acknowledge this statement or not, they control you. If you're wondering who I'm referring to, I'm referring to the credit card companies, loan companies, and any other entities that...

FMOOD 0340: Discipline and Behavior from 2019-06-17T07:00

Discipline and behavior are closely linked with one another. As a matter of fact, they directly feed off of one another.

Our behavior is incredibly important, and a large portion...

FMOOD 0339: What If You Didn't Retire? from 2019-06-10T07:00

Have you ever asked yourself what if you didn't retire? In many places of the world, people view their lives as two completely separate entities: work life, retirement life. What if you blurred ...

FMOOD 0338: Where Has Your Money Gone? from 2019-06-03T07:00

At the end of the month, do you find yourself asking where your money has gone? Unfortunately, for many folks, this is an all-too-common occurrence.

The good news is that there i...

FMOOD 0337: The Experts from 2019-05-27T07:00

There is great responsibility that comes with being an expert. When you are an expert in your chosen field and have literally millions of folks tuning in to hear what you have to say on an almos...

FMOOD 0336: The Legend of the Monk and the Merchant (Conclusion) from 2019-05-20T07:00

We're wrapping up our book study with our final principle of success. This principle has to do with the power of partnership in the context of kings and priests, but we're going to dive in a lit...

FMOOD 0335: The Legend of the Monk and the Merchant (Principles Eight, Nine, Ten, and Eleven) from 2019-05-13T07:00

We're heading into the final stretch of our book study and visiting the next four principles of success. These four principles are organically connected to one another from a financial prosperit...

FMOOD 0334: The Legend of the Monk and the Merchant (Principle Seven) from 2019-05-06T07:00

It's now time for the fourth meeting between Antonio and Alessio. Prior to this meeting, Antonio is asked to meet with the feared merchant pirate, Ahmad....

FMOOD 0333: The Legend of the Monk and the Merchant (Principles Four, Five, and Six) from 2019-04-29T07:00

We’re currently reading about the third meeting between Antonio and Alessio, but prior to this, we learn about Antonio’s business partner, Milos. Milos also has a zest for life like Antonio, and...

FMOOD 0332: The Legend of the Monk and the Merchant (Principles Two and Three) from 2019-04-22T07:00

Financial prosperity is connected to soul prosperity. With that being said, a man must do whatever he can to provide for his family.

At this point in the book, we find that Aless...

FMOOD 0331: The Legend of the Monk and the Merchant (Principle One) from 2019-04-15T07:00

Work hard and God will prosper you. This is the first principle that we're discussing today from the book, The Legend of the Monk and the Merchant by Terry Felber.

Starting with ...

FMOOD 0330: The Legend of the Monk and the Merchant (Intro) from 2019-04-08T07:00

Do you want to learn the principles of successful living? Over the next several weeks, we'll be diving deep into the principles outlined in the book, The Legend of the Monk and the Merchant by T...

FMOOD 0329: Powerblah from 2019-04-01T07:00

If you don't play, you don't win. Or do you? As it was said by Joshua in WarGames: the only winning move is not to play. If you're not familiar with that movie, I'll digress for a moment by sayi...

FMOOD 0328: Not Everyone Wants You to Succeed from 2019-03-25T07:00

It's sad but true. Not everyone wants you to succeed. The sooner that you realize this, the better that it will be for you.

You don't want to waste your time if you are continuou...

FMOOD 0327: Fortune Favors the Bold from 2019-03-18T07:00

Have you ever stopped to realize how fortune truly favors the bold? The first time that I heard this saying was when I had watched The Founder, the movie about how Ray Kroc had founded McDonald'...

FMOOD 0326: How to Pick up the Pace from 2019-03-11T07:00

It's one thing to have a goal to get out of debt, but how long will it actually take you to reach that goal? Believe it or not, the answer to this question is incredibly important to consider. Listen

FMOOD 0325: Exciting News! from 2019-03-04T08:00

I've got some exciting news to share today! Tune in to find out this news, but more importantly, discover how you can also get to realize this same experience. 

What's important ...

FMOOD 0324: How I Failed from 2019-02-25T08:00

We all make mistakes. Here are some of the mistakes that I have made in the past, and I'm hoping that by hearing my account of previous errors, you'll learn a thing or two about what not to do. ...

FMOOD 0323: What's Your Specialty? from 2019-02-18T08:00

What is something that you do well that others might pay you for to do for them? It's a serious question that, if answered correctly, could result in increased revenue that you can use to get ou...

FMOOD 0322: Staying Positive While in the Negative from 2019-02-11T08:00

It's incredibly important to stay positive even while we're in the negative. Let me tell you how to do just that.

Sometimes it's about attitude, but more often, it's about action...

FMOOD 0321: Nationally Sanctioned Debt Reduction Initiative Scam from 2019-02-04T08:00

Beware of this new scam that may be hitting your mailbox soon (if it hasn't already). This scam targets folks who are getting desperate or folks who want to get on the fast track to reducing deb...

FMOOD 0320: Subject to Ridicule from 2019-01-28T08:00

Close friends, relatives, and even some not-so-close individuals may offer us their opinions, and sometimes those opinions may come to us in the form of ridicule. It could be because the individ...

FMOOD 0319: Anatomy of a Credit Card from 2019-01-21T08:00

It's time for a quick anatomy lesson. This lesson will be much different from what you might have been used to in high school or college courses. This particular lesson is focusing on the anatom...

FMOOD 0318: True Grit and Grace: Amberly Lago from 2019-01-14T08:00

As a personal trainer, wife, and mother, Amberly Lago was living the California dream until it turned into a nightmare in May 2010. As she rode her Harley down Ventura Boulevard on that breezy, ...

FMOOD 0317: Coming Together from 2019-01-07T08:00

What do you do once you and your spouse have finally come together and are on the same page? You may not be there quite yet, but eventually, you will be. It's important to know the next steps th...

FMOOD 0316: My 2018 Year in Review from 2018-12-31T08:00

Let's take a moment to reflect back on the year and see what we've accomplished and what we need to do in order to keep moving forward.

It's important to end the year by celebrat...

FMOOD 0315: Let's Have a Conversation from 2018-12-24T08:00

It's about time for us to have a conversation. Let's get on the same page and close out 2018 with community and get on track to a prosperous and successful 2019!

If you haven't a...

FMOOD 0314: The Turning Point from 2018-12-17T08:00

There is a specific moment in our lives that we can pinpoint when we've finally had enough. This is the moment that I like to refer to as the turning point. It's a point when we actually feel ou...

FMOOD 0313: Determination from 2018-12-10T08:00

Why is determination so important when we're trying to get out of debt (or trying to accomplish any other goal)? One reason is because determination in of itself is a natural motivator that keep...

FMOOD 0312: Don't Cut Those Credit Cards Just Yet! from 2018-12-03T08:00

You don't want to cut up those credit cards just yet, even if you are getting out of debt. The primary reason is because of the hit your credit score might take. You'll want to at least take thi...

FMOOD 0311: When the Going Gets Good (And It Will) from 2018-11-26T08:00

What do you do when the going gets good? If it's not going good for you just yet, trust me, it will. When it does, you'll want to be well-prepared for this exciting time in order to make the mos...

FMOOD 0310: Listener E-mails from 2018-11-19T08:00

Today I'm responding to two listener e-mails. Did I mention how much I love our community?

FMOOD 0309: How to Build Better To-Do Lists from 2018-11-12T08:00

To-do lists help us to stay on track and stay organized, and this is why I love them. I have used to-do lists for many years, but it wasn't until recently that I had realized that there is a muc...

FMOOD 0308: That Time of the Year! from 2018-11-05T08:00

It's that time of the year! When it comes to shopping for Christmas, including Black Friday specials, do you typically find that you spend to the point where you have no idea what had happened t...

FMOOD 0307: Thrift Store Bargains from 2018-10-29T07:00

There are bargains to be had at the local thrift store. If you're wise about this, you could combine shopping for clothing and other items at the thrift store along with shopping at your local d...

FMOOD 0306: Speak Truth from 2018-10-22T07:00

You have to speak truth when it comes to your current debt situation. We have to be real and speak the truth as far as why we are on this journey of getting out of debt. All of us will come acro...

FMOOD 0305: Using Cash to Better Control Grocery Spending from 2018-10-15T07:00

Using a cash envelope for grocery spending is a great way to control how much you're spending in this budget category in any given month. There's something about driving to the bank or the ATM t...

FMOOD 0304: Let's Go Shopping at Dollar Tree! from 2018-10-08T07:00

Have you tried shopping at Dollar Tree yet? If not, you may be spending a lot more money on many of the same items that you could be picking up at Dollar Tree for just a buck.

Wh...

FMOOD 0303: Is Your Budget Failing You? from 2018-10-01T07:00

Does it seem like your budget is failing you sometimes? When it comes to budgeting, it can be easy for some and more difficult for others. There is a wide spectrum as far as that is concerned, a...

FMOOD 0302: The Top 10 Frugal Habits That Could Save You $1,000 per Month from 2018-09-24T07:00

Adopting these top ten frugal habits can save you up to $1,000.00 in any given month (sometimes more). Now, this list isn’t in any particular order of importance. I believe that they are all equ...

FMOOD 0301: Become a Better Saver While Paying off Debt from 2018-09-17T07:00

Today you'll learn how you can actually become a better saver while you are in the process of paying off debt. It's not as difficult as you may think, but with that said, it will still take some...

FMOOD 0300: Surround Yourself with Support from 2018-09-10T07:00

A support system is incredibly important when you are in the process of getting out of debt. Getting out of debt is a lofty goal, and it's difficult to go at it alone. Having other like-minded f...

FMOOD 0299: Freedom in Minimalism from 2018-09-03T07:00

There is true freedom to experience in minimalism. Minimalism isn't exactly a new topic, but it is one that I prefer to revisit from time to time on this show because I do feel that it is an imp...

FMOOD 0298: Frustrated with the Grocery Budget? from 2018-08-27T07:00

Out of all of the budget line items that exist in your standard budget, the grocery budget line item is typically the most frustrating at times. We start out the month with the best intentions o...

FMOOD 0297: Write Your Story from 2018-08-20T23:00

Have you ever caught yourself dreaming of becoming an author of a best-selling book or a director of an award-winning movie? 

Maybe you have or maybe you haven’t, but in today’s ...

FMOOD 0296: Betting Against Broke from 2018-08-13T07:00

I'm not a gambling man, but this is almost a sure thing. If we're in the process of getting out of debt and getting into prosperity, we're essentially betting against broke. Going down this road...

FMOOD 0295: What's Stopping You from Earning More? from 2018-08-06T07:00

What are the things that are stopping you from earning more income? While the answers may vary for each of us, the majority of folks will find that they will come across some of the same roadblo...

FMOOD 0294: How to Save Money on Groceries Right Now from 2018-07-30T07:00

Saving money on groceries doesn't need to be difficult. As a matter of fact, you can learn how to save money on groceries right now. We're not talking about clipping coupons, either (although th...

FMOOD 0293: 5 Ways to Improve Your Life from 2018-07-23T07:00

Here are five ways that you can implement immediately to improve your life. While everyone is different, these five methods should work for most folks who are looking for more energy, less stres...

FMOOD 0292: Work Smarter, Not Harder from 2018-07-16T07:00

Are you looking to claim more time for yourself? Do you need to spend more time with your family and friends? It's time to change the way that you approach work in of itself and in all of its fo...

FMOOD 0291: How to Get Hired at DaDa at the Highest Pay from 2018-07-09T07:00

Here's how you can get hired at DaDa at the highest pay possible. 

I have received lots of questions on episode 290, where I discussed getting hired to teach English to kids onli...

FMOOD 0290: The Best Online Part-Time Job from 2018-07-02T07:00

Get ready to learn about the best online part-time job! This truly is going to be a great opportunity for you if you are someone who loves to teach. The pay is realistically between $13 to $22 p...

FMOOD 0289: The Good Ol' Days from 2018-06-25T07:00

Let's get a little nostalgic today. We're going to look back to the good ol' days before we had debt. Regardless of how long ago that may have been for you, I would like you to try to remember w...

FMOOD 0288: Taking Chunks out of Big Tasks from 2018-06-18T12:00

Are you looking for a way to no longer be overwhelmed when it comes to accomplishing your larger goals? Have you ever found yourself trying to take on too much at the same time? I certainly know...

FMOOD 0287: Saving and Investing (Listener-Requested Topic) from 2018-06-11T07:00

Recently, there was a request that came through on the show's iTunes reviews to cover some items on the topic of saving and investing. While I'm not personally at this point yet as we're still i...

FMOOD 0286: Decreasing the Outgo from 2018-06-04T15:00

Outgo is just as important as income, and sometimes we may forget about that. It's easy for us to simply focus on what we have coming in and not pay as much attention to what's going out. Thankf...

FMOOD 0285: It's Okay to Get a Little Angry from 2018-05-28T07:00

Today you'll learn how to channel anger into fuel for accomplishing your goals. It's possible to do this, but first you'll need to focus.

When we get angry, a lot of times we may...

FMOOD 0284: Should You Talk About Finances in Front of the Kids? from 2018-05-21T07:00

Discover today my thoughts on whether or not you should talk about finances in front of your kids. I'll give you a hint: they probably already know.

Here's the deal. Many times, ...

FMOOD 0283: Distractions from 2018-05-07T07:00

Let's discuss how distractions get in the way of our goals. There is no doubt in my mind that even the smallest distractions can prove to be detrimental in our pursuit of certain goals that we h...

FMOOD 0282: Replace Worry with Focus from 2018-04-30T07:00

I'd like to share some tips on how to replace worry with focus, and I'd also like to tell you why this is incredibly important. First and foremost, let me mention that worry will get us nowhere....

FMOOD 0281: Life Changes Through Positive Habits from 2018-04-23T07:00

Are you looking for a foolproof way to change your life for the better? It's simple. All you need to do is to implement some positive habits in your life, and these changes will help you to live...

FMOOD 0280: How Micro-Habits Will Help You Succeed from 2018-04-16T07:00

Let me introduce you to a real game-changer. This concept will allow you to easily make positive changes in your life. Because of these changes, you will eventually experience success with finan...

FMOOD 0279: Staying on Top of Things from 2018-04-09T07:00

Why is it important to stay on top of things and stay focused? It's critical for us to do this because goals don't accomplish themselves. It's up to us to do what needs to be done in order to ge...

FMOOD 0278: When You Should (And Shouldn't) File a Homeowner's Insurance Claim from 2018-04-02T07:00

Knowing when you should (and shouldn't) file a homeowner's insurance claim can save you from difficulties down the road. There are several scenarios and other considerations to keep in mind in o...

FMOOD 0277: Tough Choices and Hard Decisions from 2018-03-26T07:00

Life can be full of tough choices and hard decisions sometimes. The good news is that we can systematically cut down those tough choices and hard decisions, and at the same time, utilize them to...

FMOOD 0276: Stop Living Scared from 2018-03-19T07:00

We were never meant to live scared. We were designed to be bold and unwavering when it comes to living right. The thing is, the trouble that we find ourselves in sometimes causes us to build up ...

FMOOD 0275: How to Beat a Shopping Addiction from 2018-03-12T07:00

A shopping addiction is a real thing, just like any other addiction. Many folks go through life not even realizing that they have a shopping addiction until one day they find themselves in a hug...

FMOOD 0274: Getting Organized from 2018-03-05T08:00

It may not seem like it would be a big deal, but getting organized really does have a profound effect on our personal finances. If you haven't yet listened to episode 273 on the topic of minimal...

FMOOD 0273: Adventures in Minimalism from 2018-02-26T08:00

We're picking back up with the habit of practicing minimalism, and it has been great. My wife and I started this a long time ago, but we didn't really stick with it the first time around and end...

FMOOD 0272: 8 Ways That We Throw Away Money from 2018-02-19T08:00

While we may not be crumpling up twenty dollar bills and pitching them in the trash can, we're finding other ways to throw away our hard-earned cash. Unfortunately, many of these ways that we th...

FMOOD 0271: Some Lessons I've Learned from 2018-02-12T08:00

Sometimes it's good to look back and reflect on some of the lessons that you've learned along the way, and that's what I'm doing today. Just like you, I've made plenty of mistakes in life. I don...

FMOOD 0270: Blow a Hole Through What You Owe from 2018-02-05T08:00

It's time to blow a hole through what you owe! I have a way of picturing things in my head sometimes, and recently I was picturing taking action to extend our arsenal available to us in order to...

FMOOD 0269: Use or Be Used from 2018-01-29T08:00

When it comes to money and personal finances, will you use or be used? Whether we realize it or not, if we're in debt, we are in a constant state of being used. Every time we swipe that credit c...

FMOOD 0268: Ways to Handle Life's Let-Downs from 2018-01-22T08:00

We all have let-downs in life, and here is what you need to do in order to get through them and come out on top. First, you will need to absorb the hits that all of us will inevitably experience...

FMOOD 0267: How to Deal with Money Stress in Marriage from 2018-01-15T08:00

Dealing with money stress in marriage just became a whole lot easier. The best news that you'll hear today is that you do not need an advanced degree in personal finance in order to succeed with...

FMOOD 0266: The First Debt Is Paid! from 2018-01-08T08:00

It's official! The first debt has been paid in full, and we're celebrating! It has taken some time, but we're happy to report that the entire balance on this particular credit card has been paid...

FMOOD 0265: Let's Crush Debt in 2018! from 2018-01-01T08:00

I don't personally believe in New Year's resolutions, but that's mostly because I believe that we have the ability to implement positive changes at any time of the year. With that said, my break...

FMOOD 0264: Money Is a Tool; It Has No Power over You from 2017-12-01T17:00

Money is a tool; it has no power over you. The power that seems to be associated with money is based upon emotional connections with money. Some folks love money. They truly put money over and a...

FMOOD 0263: Bury Your Nose in a Book, Not a Smartphone from 2017-11-29T08:00

It's easy to fall into the trap of constantly desiring to be entertained by your smartphone rather than setting aside time to read intentionally. With the plethora of apps and games that are out...

FMOOD 0262: Habits from 2017-11-27T08:00

Most of the habits that we have, whether they are good habits or bad habits, hit us in one of these three major categories: peace of mind, health, and financial security. We are where we are bas...

FMOOD 0261: The Groundskeeper from 2017-11-24T08:00

It's one of those you-don't-judge-a-book-by-its-cover moments. I found out some amazing details on the life of someone who appears on the surface to be your standard groundskeeper.

FMOOD 0260: Happy Thanksgiving! from 2017-11-22T08:00

It's always beneficial to take some time to be thankful and reflect on our blessings. If you're in the process of getting out of debt or working on any other goals, realize that being inline wit...

FMOOD 0259: Keep the Momentum Going from 2017-11-20T08:00

You can accomplish greater and greater goals and increase your own level of self-confidence by simply keeping the momentum going once you have completed a difficult task. What I'm talking about ...

FMOOD 0258: How Debt Crushes Us from 2017-11-17T13:00

We already know that debt crushes our finances, but it also crushes our spirit and motivation. This is especially true when we're buried under a mountain of debt and can no longer afford the min...

FMOOD 0257: Pay Yourself First from 2017-11-15T08:00

It's advice that you hear in various forums: pay yourself first. But when is this an appropriate strategy? What if you're just making ends meet, living paycheck to paycheck? How would you go abo...

FMOOD 0256: It's Storytime! from 2017-11-13T08:00

I'd like to let you in on a little background about how I started out, where I came from, and why I'm so completely focused on this journey to get out of debt and get into prosperity.

  Listen

Computer Repair for $25 Bucks from 2017-11-10T19:30

This mini-episode is an extension of episode 253. On that episode, I mentioned that I had presented an offer on my personal Facebook page for my friends to be able to get their computers repaire...

FMOOD 0255: Read and Grow Rich from 2017-11-10T12:00

Did you know that 85% of wealthy folks read two or more self-improvement, career-related, or education-related books every month? This is an interesting statistic and one that we should be payin...

FMOOD 0254: A Cheerful Giver from 2017-11-08T08:00

It's that time of the year again! Yes, Christmas is right around the corner. We're being bombarded with advertisements, which in reality probably started a couple of months ago. Stores know that...

FMOOD 0253: What If the Starter Emergency Fund Runs Out? from 2017-11-07T00:00

What if the starter emergency fund runs out? What do you do if you're hit with another emergency? Sometimes you're hit with a double-whammy (or maybe even a triple-whammy), and when this happens...

FMOOD 0252: The Cons of Rev.com from 2017-11-04T00:00

I was provided with a different perspective by one of my valued listeners about working for Rev.com, and I wanted to share that with you today. I have a feeling that the listener of the show who...

FMOOD 0251: Don't Hide (Things) from Your Spouse from 2017-11-01T12:30

When it comes to money, you don't want to hide things from your spouse. The two of you should be on the same team and on the same page, and the quickest way to destroy that unity is to hide thin...

FMOOD 0250: It Was a Busy Weekend from 2017-10-30T07:00

What did you do this weekend? I decided to earn a little extra money on the Rev.com platform. I mentioned this opportunity on episodes 159 and 192. I was also busy cleaning up my budget and gett...

FMOOD 0249: Got Weekend Plans? from 2017-10-27T07:00

If you've got plans this weekend, first you'll want to make sure that your budget is ready for those plans. Many times, the weekends can be a budget-killer. We tend to spend more carelessly on t...

FMOOD 0248: What to Do in Lean Times from 2017-10-25T07:00

What do you do when you're going through lean times? Lean times fall upon all of us at one point or another. When you are in this type of particular situation, you've got to do things that may b...

FMOOD 0247: What Is PMI? from 2017-10-23T07:00

This episode is all about PMI: Private Mortgage Insurance. Private Mortgage Insurance is money that you pay in addition to your monthly house payment to protect the lender in the event that you ...

FMOOD 0246: How to Talk About Money with Your Spouse from 2017-10-20T07:00

When it comes to conversations about money between you and your spouse, you have to find common ground first and foremost. In most situations, married couples aren't typically on the same page a...

FMOOD 0245: It's Not What You Make, It's What You Keep from 2017-10-18T07:00

It's not what you make, it's what you keep. Write this sentence on a small piece of paper and place it somewhere where you will see it every day. Post it on your mirror. Put it on the refrigerat...

FMOOD 0244: Why We Need to Save, Save, Save! from 2017-10-16T07:00

There's some astonishing data out there that shows that nearly 7 in 10 Americans have less than $1,000 in savings. If you look just 50 years ago, Americans were saving double what they are savin...

FMOOD 0243: Calm Before... and During... the Storm from 2017-10-13T07:00

Storms will come, and that's a certainty. How you react to these storms truly makes all of the difference.

If you tend to react with knee-jerk reactions when faced with a storm, ...

FMOOD 0242: Breakin' Up Is Hard To Do from 2017-10-11T07:00

There are plenty of long-term relationships out there. Some are successful because they are truly healthy relationships, and the people involved in the relationship know how to properly handle c...

FMOOD 0241: ABC Yourself from 2017-10-09T07:00

This has nothing to do with the alphabet. When I refer to ABC yourself, I'm referring to always be challenging yourself. Complacency is the enemy. Don't get comfortable with your aspirations; ge...

FMOOD 0240: What to Do When You're Financially Overwhelmed from 2017-10-06T07:00

Sometimes we get overwhelmed, financially speaking. When this happens, we need to remove ourselves from the situation, at least temporarily. Even if you are experiencing anxiety or fear, you nee...

FMOOD 0239: Warren Buffett's Two-List Strategy from 2017-10-04T07:00

Did you know that a large number of your otherwise important goals may be serving as a distraction? It's true. I wouldn't be saying this unless I read it from a very good source, and that source...

FMOOD 0238: Reevaluate and Get Excited! from 2017-10-02T07:00

Sometimes you just need to reevaluate your current situation, make some changes as needed, and get excited all over again. This is especially true if you've been fighting this war on debt for a ...

FMOOD 0237: Beliefs That Keep Us Broke from 2017-09-29T12:00

You have to establish your own belief system and not rely on those established by others. Here's why.

Over time, there have been financial principles that have been set up to aff...

FMOOD 0236: Look for Opportunities Around You from 2017-09-27T07:00

You've got to look for opportunities around you. Not only should you be on the lookout for opportunities, but you also have to take the appropriate action steps in order to take advantage of tho...

FMOOD 0235: Don't Lose Sleep Working or Worrying from 2017-09-25T07:00

Our bodies were not meant to be sleep-deprived. We have likely heard and read this many times over, but for some reason, we still think that we can get away with depriving our bodies of the prop...

FMOOD 0234: Earning a Little Extra on eBay from 2017-09-22T07:00

I am in the process of bridging the financial resources gap by listing a few things on eBay, and I'm excited to keep it going! The stuff that I had listed is doing nothing more than collecting d...

FMOOD 0233: The Joy of Accomplishment from 2017-09-20T07:00

There's a certain joy and happiness that comes when we check off a challenging task from our task list. This is especially true if we got into the habit of putting a new date on the same task ov...

FMOOD 0232: Walmart's Online Grocery Pickup Service from 2017-09-18T07:00

Walmart has an online grocery pickup service that we tried for the first time this past weekend, and we loved it. It's a simple and straightforward process, and it not only saves time but it als...

FMOOD 0231: Don't Be a Sheep from 2017-09-15T07:00

Sheep are everywhere if you take the time to look around. We're not only creatures of habit, but we also tend to naturally follow the crowd. Sometimes following the crowd can be a bad thing. It ...

FMOOD 0230: Difficult Conversations from 2017-09-13T07:00

In a marriage, you will have difficult conversations. It's going to happen, and sometimes, these conversations may involve financial issues. It's a well-known fact that many married couples list...

FMOOD 0229: Mind Clutter from 2017-09-11T07:00

Mind clutter is a direct result of having too many balls in the air and having less focus, usually because of this. Human beings are built to focus on one thing at a time, so when we attempt to ...

FMOOD 0228: How to Handle Disappointment from 2017-09-08T07:00

We've all had disappointments in our lives. How we handle those disappointments is what determines whether we pass or fail the test. And believe me, we will be tested plenty of times throughout ...

FMOOD 0227: If You Can't Measure It, You Can't Manage It from 2017-09-06T07:00

If you can't measure it, you can't manage it. This is a quote that I heard recently, and it really hit home for me. I know that I keep a pretty strict budget, and I review my budget periodically...

FMOOD 0226: Earn 'Til It Hurts! from 2017-09-04T07:00

Earn 'til it hurts! It sounds like an exercise program, doesn't it? Perhaps it could be considered an exercise program that can help you to get out of debt and get into prosperity faster. Like e...

FMOOD 0225: Happy Friday! from 2017-09-01T07:00

Happy Friday! What are your weekend plans?

If you're planning on some downtime, you'll want to make sure that you have already budgeted for this fun escape before you set foot ou...

FMOOD 0224: American Debt from 2017-08-30T07:00

Did you know that the average American household debt is a staggering $140,000.00? Now, that does include a mortgage, but even with that in mind, this is still quite a significant figure. Whethe...

FMOOD 0223: What We Can Learn from Ray Kroc from 2017-08-28T07:00

The story of Ray Kroc and the founding of McDonald's as a national and international chain of restaurants holds plenty of gold nuggets of useful information. This isn't exactly a rags-to-riches ...

FMOOD 0222: Someone Else Is Happy with Less from 2017-08-25T23:00

Someone else is happy with less than you have. I read that quote today, and it inspired me to do an entire episode on this subject. 

We take a lot of things for granted and fail ...

FMOOD 0221: My Thoughts on Tipping from 2017-08-23T18:00

I have a pretty consistent method when it comes to tipping. I firmly believe that we should tip well for great service. It's our way of showing appreciation for the folks who work hard to earn a...

FMOOD 0220: 5 Simple Daily Steps to Think Outside of the Box from 2017-08-21T07:00

These are the five simple steps that I incorporate daily to help me to consistently think outside of the box. I didn't exactly put these together as five simple steps originally, but when I stop...

FMOOD 0219: How to Stop Feeling Broke from 2017-08-18T07:00

Are you making hundreds of dollars a week or thousands of dollars a month but still feel broke? Here's how to stop feeling broke.

First, you have to take the emotion out of the e...

FMOOD 0218: How to Stop Using Your Credit Card from 2017-08-16T07:00

This is the one question that you need to ask yourself before you whip out the plastic. This question is essential in order to stop yourself from continuing to use credit cards while you're in t...

FMOOD 0217: Are You in a Debt Crisis? from 2017-08-14T07:00

Are you currently in debt crisis mode? Perhaps your utilities are falling behind, and you're afraid that the lights will be shut off. Perhaps your vehicle is behind in payments and in danger of ...

FMOOD 0216: What Are Your Three Biggest Frustrations? from 2017-08-11T18:00

What are your three biggest frustrations when it comes to personal finance? I would like you to take some time and think about this question. Get back to me this weekend by sending your answers ...

FMOOD 0215: Cheap Kitchen Countertops with the Giani Granite Countertop Kit from 2017-08-09T07:00

If you're looking for cheap kitchen countertops that still look like granite, you'll want to check out the Giani Granite Countertop Kit. We bought this last week, and I completed the project in ...

FMOOD 0214: Think Outside of the Job Box from 2017-08-07T07:00

You need to think outside of the job box. Many of us get used to collecting a paycheck or getting a direct deposit into our savings or checking from our full-time job (or a part-time job). Becau...

FMOOD 0213: From Ramen to Rolex from 2017-08-04T07:00

Visualization is important while we're on the journey to get out of debt and get into prosperity. I'm a big believer in visualizing where you're at and where you want to be someday. It's too eas...

FMOOD 0212: That Guru Is Richer Than Me from 2017-08-02T07:00

As many of you know, I enjoy reading books and listening to shows on the topic of personal finance. I weed out the garbage and leave behind only the best information out there and further distil...

FMOOD 0211: A New Technique from 2017-07-31T07:00

There's a new technique that I've been using to help me with better utilizing additional income resources outside of my standard full-time income. I started to use this technique a while back, a...

FMOOD 0210: Kids and Healthy Financial Foundations from 2017-07-28T18:30

Help to build a healthy financial foundation with your children by showing them how they can earn their own money. From there, help them to connect the dots when it comes to the various uses of ...

FMOOD 0209: Golden Elvis from 2017-07-26T07:00

If you're planning a vacation to Niagara Falls (on the Canadian side), you'll want to ask around to find out where you can find Golden Elvis. That's likely not his real name, stage name or other...

FMOOD 0208: Why I Do What I Do from 2017-07-24T07:00

Why do I have this particular podcast? I thought it would be a good idea today to get into why I do what I do. To me, this show seemed like a good fit in a world where financial gurus seem to al...

FMOOD 0207: Looking Good on a Budget from 2017-07-21T07:00

While we are in the process of getting out of debt, we naturally make sacrifices here and there in order to focus more resources on our goals towards debt payoff. Some of us will take this a lit...

FMOOD 0206: 10 Inexpensive Home Improvement Ideas from 2017-07-19T16:00

Many folks consider home improvement projects to equate to big bucks, and rightfully so. Many of them are expensive. When you are in the process of getting out of debt, you may have to let home ...

FMOOD 0205: Feast vs. Famine from 2017-07-17T07:00

What do you do when times are plentiful versus when times are more lean? Many folks have to ask this question several times a year, especially those who have inconsistent income throughout any g...

FMOOD 0204: Ways to Save Time from 2017-07-14T07:00

Whether it's shaving in the shower or getting our clothes ready the evening before for the following day, we're always looking for ways to shave some time in our already busy lives. There are pl...

FMOOD 0203: 10 Things to Aspire Towards from 2017-07-12T07:00

What are your ten things to aspire towards? This list can be quite significant and can serve as a useful blueprint to living out the life that you want to live. This isn't just about money; ther...

FMOOD 0202: Your MSI: Multiple Streams of Income from 2017-07-10T07:00

How many multiple streams of income do you have coming in? There are ways to change your thinking so that you're on the lookout for opportunities rather than just letting your life go by. These ...

FMOOD 0201: The Facebook Marketplace from 2017-07-07T06:00

It's the new eBay (or Craigslist). It's the Facebook Marketplace. If you haven't checked it out yet, I definitely suggest doing so. I have sold on this platform, and what's great is that I usual...

FMOOD 0200: The Importance of Weekly Budget Updates from 2017-07-05T12:00

It's important to not only complete a monthly budget, but it's also important to maintain that budget on a weekly basis. Revisiting the budget weekly allows us the opportunity to make sure that ...

FMOOD 0199: Should You Keep a Credit Card for Travel Purposes? from 2017-07-03T12:30

Should you keep a credit card for travel purposes? Some folks believe so, and I do agree with some of the valid points offered with doing so. First of all, the fraud protection and ease of dispu...

FMOOD 0198: Get a Pet While Getting out of Debt? from 2017-07-02T12:00

Should you get a pet while you're in the process of getting out of debt? Some folks who are currently in the middle of working through their get-out-of-debt plan realize at some point that they ...

FMOOD 0197: A Personal Update from 2017-07-01T12:00

Just a quick personal update on me, the show, and more.

Do you have a question that you would like to have answered on the show or via e-mail? Go to Listen

FMOOD 0196: Stop the Insanity! from 2017-06-30T06:00

Do you remember that infomercial from back in the day where the lady yelled out tell everyone to stop the insanity? It was an infomercial on diet and exercise, but that's not the topic of this e...

FMOOD 0195: The Rice and Beans Fallacy from 2017-06-29T06:00

Is it really necessary to eat rice and beans when getting out of debt? Absolutely not. Several gurus out there use the phrase of rice and beans when referring to grocery shopping, but this is to...

FMOOD 0194: Social Media Q & A from 2017-06-28T06:00

You ask the questions on social media about personal finance, and I answer them right here on the show.

Ashley and her husband are having issues in their marriage. They have trie...

FMOOD 0193: A Friend in Need from 2017-06-27T06:00

A friend in need is a friend, and you want them to stay that way. Letting them borrow money from you is a good way to almost guarantee that won't happen if your friend doesn't pay you back. Gran...

FMOOD 0192: Work From Home Reviews: Rev.com (Part 2) from 2017-06-26T06:00

On episode 159, I introduced the work from home opportunity known as Rev.com. The primary benefits of this program are paid training, consistent pay when you work, and a truly flexible schedule....

FMOOD 0191: Choose Happiness from 2017-06-25T21:30

Yes, you can actually choose to be happy. While we are affected by external influences, we do have a choice as to how we respond to those influences. If you're having a bad day, you have the cho...

FMOOD 0190: Stop Trading Gifts! from 2017-06-24T06:00

Silly adult, gifts are for kids. Well, not all of the time, but in most cases.

Picture the holiday shopping season. How many times have you found yourself actually dreading that ...

FMOOD 0189: A Temporary Defeat from 2017-06-23T06:00

Have you ever had a temporary defeat? This is actually a good thing. Our temporary defeats and setbacks don't define whether we are winning or losing. Instead, these setbacks are helping to teac...

FMOOD 0188: The Beater Vehicle Theory from 2017-06-22T06:00

Before you buy a beater vehicle to get out of your car payment, you may want to consider all of the possibilities. It's exciting to imagine getting out of car payments by driving a beater vehicl...

FMOOD 0187: Why Credit Scores Are Important from 2017-06-21T06:00

Credit scores are still important. Many folks associate a credit score as a means to be able to get credit, but a credit score is used for much more than just approval of a credit line or loan. ...

FMOOD 0186: The Pomodoro Technique: Part 2 from 2017-06-20T06:00

This is a follow-up to the Pomodoro Technique introduced on episode 176. You may want to listen to that episode first if you haven't already.

Find out how the Pomodoro Technique ...

FMOOD 0185: Sabotage! from 2017-06-19T06:00

Self-sabotage is a sad reason to fail. You simply cannot be your own worst enemy when it comes to your get-out-of-debt plans. If you continue to use credit cards or take out new loans, you are g...

FMOOD 0184: Should We Always Wait to Invest? from 2017-06-18T06:00

Is it a hard and fast rule to wait until you're out of debt before you invest? Intuitively, it does make sense to only focus our resources towards paying off our debt as quickly as possible. Wha...

FMOOD 0183: Is Debt Good or Bad? from 2017-06-17T06:00

Is debt good or bad? It's a question that many of us ask ourselves while we are in the process of getting out of debt. Good debt is usually considered to be mortgages or other debt products that...

FMOOD 0182: Prevent Yourself from Making the Same Mistakes from 2017-06-16T06:00

Here's the question of the day. Is there anything in your life, knowing what you know now, that you would not do again today if you had the opportunity to do it all over again?

I...

FMOOD 0181: What Are Your Biggest Concerns? from 2017-06-15T06:00

What are your biggest concerns right now? What keeps you up at night? What is on your mind more than anything else during any given day?

You could have several concerns, but it's...

FMOOD 0180: Overcoming the Fear of Failure from 2017-06-14T06:00

Do you have a fear of failure? Do you stay within your comfort zone, even when you are setting goals for yourself? If you never stretch yourself outside of your comfort zone, you'll never find o...

FMOOD 0179: Your Life, Ten Years from Now from 2017-06-13T06:00

What will your life look like ten years from now? An exceptional motivator is to envision your life in the future. Are you out of debt? Have you saved up enough money to be comfortable? Is your ...

FMOOD 0178: Gotta Earn Some More Money (How About You?) from 2017-06-12T06:00

I've got to earn some money in the next month or so, and I've identified just how I'll do it. That's half of the battle right there. It's pretty amazing what happens when you take a moment to no...

FMOOD 0177: Caring Too Much About What Others Think from 2017-06-11T06:00

Do you care too much about what others are thinking? This can add a whole new level of complexity while you are trying to accomplish a goal, such as getting out of debt or any other goals that h...

FMOOD 0176: The Pomodoro Technique from 2017-06-10T06:00

I've heard about the Pomodoro Technique before, but I have never actually looked into trying this until recently. I did several searches on Google, and I found a wealth of information on this to...

FMOOD 0175: Be a Superhero (Nobody Is Coming to Save You) from 2017-06-09T06:00

Superheroes do not exist. Sorry, Superman fans, that's just reality. However, nobody is stopping you from being a superhero of personal finance. You can be a hero who stands proud and tall above...

FMOOD 0174: My Morning Routine from 2017-06-08T06:00

There's a lot to be said about morning routines. Setting your alarm a half-hour earlier or even an hour earlier will help you to set the entire tone for the day by getting yourself out of bed an...

FMOOD 0173: Take Some Risks from 2017-06-07T06:00

If you truly take a good look at yourself, are you being a little too risk averse? Are you leading a safe and careful life rather than taking some strategic risks? Not taking calculated risks in...

FMOOD 0172: Things You Don't Know About Aldi from 2017-06-06T06:00

Today I read a great article from Erin Cullum/Popsugar US. The article was an informational article about some things that we may not know about our local Aldi store. I can definitely say that w...

FMOOD 0171: Getting Back on Track from 2017-06-05T06:00

Sometimes you end up taking a few steps back on this journey out of debt, but that doesn't mean that you can't make up for it by taking several steps forward once again. When we fall behind on t...

FMOOD 0170: Keeping It Simple from 2017-06-04T06:00

Have you ever added more layers to a decision than what was absolutely necessary? Do you overthink things or muddy the waters unnecessarily with too many details, and you end up not making a dec...

FMOOD 0169: Is This an Emergency, or Am I Just Bad with Money? from 2017-06-03T06:00

I've found myself doing this before. I get desperate for a few extra dollars in a particular budget month where I found myself in the red. The emergency fund is just sitting there, so I justify ...

FMOOD 0168: When You Lack Intensity from 2017-06-02T06:00

You need to be intentional and have the right levels of focus and intensity towards accomplishing your goals. Are you lax with your debt payoff strategies? Are you letting 0% interest rate credi...

FMOOD 0167: Interview with Ericka Young from TailorMadeBudgets.com from 2017-06-01T06:00

I'm pleased to welcome Ericka Young from TailorMadeBudgets.com on the show today. If you're married, you'll definitely discover some great gold nuggets of value throughout our conversation that ...

FMOOD 0166: False Promises and Garbage from 2017-05-31T06:00

I'm tired of all of these pie-in-the-sky promises that are posted in various forums, social media groups, etc. Most of the headlines used for these posts are describing obviously unrealistic con...

FMOOD 0165: Better Time Management Tips from 2017-05-30T06:00

We all know that budgeting money is important. However, how often do we think about budgeting time? Time is much more valuable than money, in my opinion. We can always earn more money, but we ca...

FMOOD 0164: 8 Things You Should Not Be Paying For from 2017-05-29T06:00

If you're in the process of getting out of debt, there are certain things that you shouldn't be paying for. You should be redirecting the monetary resources for these items towards getting out o...

FMOOD 0163: The Ideal Budget from 2017-05-28T06:00

If we're in debt, it's difficult to imagine an ideal budget. Many of us are budgeting for multiple credit cards, a couple of auto loans, and perhaps some personal loans. All of this debt makes i...

FMOOD 0162: Spend Some Time Without Spending a Dime from 2017-05-27T06:00

There are plenty of ways to spend little or no money at all and have fun at the same time. While this list won't apply to everyone (we all have different personalities and preferences), it will ...

FMOOD 0161: Ignore Brand Loyalty, Save Money from 2017-05-26T06:00

If you're loyal to certain brand names, you may want to rethink your shopping strategy. Companies spend tons of money to get their brands in front of your eyeballs, and understandably, they want...

FMOOD 0160: Resume Makeover! from 2017-05-25T06:00

Today's a good day to take a look at your resume. See if it looks a bit outdated. Are you still using the tired Word template resume that was popular in the 90's? Do you need to spruce up your r...

FMOOD 0159: Work from Home Reviews: Rev.com from 2017-05-24T06:00

I'm starting a new segment of the show that I'll be doing from time to time where I sign up and try out various work from home opportunities and let you know what I find out. Well, to be more sp...

FMOOD 0158: Making Debt Payoff a Priority from 2017-05-23T06:00

It's too easy to get lazy about staying focused on our target debt. The target debt is the current debt that has almost all of the focus and available resources towards it to eliminate it as qui...

FMOOD 0157: Loan or Cash? from 2017-05-22T06:00

You've got a somewhat significant purchase coming up, and you might be wondering if you should take out a small loan or save up and pay cash. You might be tempted by a same-as-cash offer or intr...

FMOOD 0156: Too Broke to Give? from 2017-05-21T06:00

A common trap for folks who are in the process of improving their financial situation is to hold off on giving. The justification that is usually applied is to come to the conclusion that giving...

FMOOD 0155: Why Dreaming Is Good for You from 2017-05-20T06:00

Dreaming is good for you. It gives you hope. It allows you to look forward to the future. It helps to motivate you.

Don't be ashamed of your dreams or assume that they aren't wor...

FMOOD 0154: Being Frugal vs. Being Cheap from 2017-05-19T06:00

If you ask most people, they won't see much of a difference between someone who is considered to be frugal and someone who is considered to be cheap. Unfortunately, for most of us in the process...

FMOOD 0153: Budgeting While You're Behind from 2017-05-18T06:00

Budgeting in of itself can be a challenge, but what happens when you have payments or other bills that have fallen behind? Adding this to trying to maintain a monthly budget can make things quit...

FMOOD 0152: Get out of Debt Budget Board from 2017-05-17T06:00

The other day, I purchased a large whiteboard for the sole purpose of providing both my wife and me with a high-level overview of our budget. I highly recommend that you do the same, especially ...

FMOOD 0151: The Worry Bully from 2017-05-16T06:00

What is the Worry Bully? I didn't personally make this up, but I overheard it in a conversation. You have to use your imagination, but picture this: a Worry Bully is inside of your mind and keep...

FMOOD 0150: Are Outlet Malls Worth It? from 2017-05-15T06:00

We took a little road trip to an outlet mall. We weren't going to do a ton of shopping necessarily; it was mostly just for the purpose of getting out of town for a few hours. However, I did want...

FMOOD 0149: The 4 Tenets of Personal Finance from 2017-05-14T06:00

There are four main tenets of personal finance. If you keep these truths in mind, you will always succeed when it comes to your finances. These same tenets apply no matter where you are at in yo...

FMOOD 0148: Interview with Christina Eanes from QuitBleepingAround.com from 2017-05-13T06:00

Today's interview with Christina Eanes from QuitBleepingAround.com is truly informative and packed with valuable takeaways that will help you to become a superachiever. If you're not sure what a...

FMOOD 0147: 5 Ways to Be More Comfortable with Yourself from 2017-05-12T06:00

Sometimes when you are in the process of working on a goal that isn't popular with a lot of folks, you might feel that you are part of a small minority and your friends and even your family migh...

FMOOD 0146: Income Challenges from 2017-05-11T06:00

All of us will experience income challenges at some point during our journey out of debt and into prosperity. What is the best way to prepare for these challenges and head them off at the pass?<...

FMOOD 0145: Theory vs. Real World from 2017-05-10T06:00

Are you having a difficult time with applying theories and strategies on how to get out of debt? Are you feeling frustrated because of all of the cookie-cutter advice that's being spewed out the...

FMOOD 0144: Dollar Store Shopping from 2017-05-09T06:00

You can save a ton of money at your local dollar store. If there's one in your area, and you haven't had an opportunity to check it out yet, I highly recommend that you do. We've actually made a...

FMOOD 0143: Cash Hurts (And That's a Good Thing!) from 2017-05-08T06:00

Many of us have become used to using plastic for a large number of our purchases. When we choose to use plastic over paying with cash, the result is that we don't feel the transaction. Because o...

FMOOD 0142: The Day When the Credit Card Company Did Me a Favor from 2017-05-07T06:00

Believe it or not, a credit card company actually did me a favor. I almost fell for the zero percent introductory APR trap. Thankfully, we were denied the credit card. The reason for the denial ...

FMOOD 0141: Wise Words from Kevin O'Leary from 2017-05-06T06:00

Today's episode is based on a small snippet from the book, Cold Hard Truth On Men, Women, and Money by Kevin O'Leary. The ten items mentioned on this episode will help you to avoid paying intere...

FMOOD 0140: Let Your Kids Earn and Learn from 2017-05-05T06:00

There is a lot to be said about giving our kids opportunities to earn money based upon age-appropriate jobs that they can do around the house. I think that kids should have standard chores that ...

FMOOD 0139: Eating Out: Bad for the Budget and Our Health from 2017-05-04T06:00

Eating out is a common occurrence nowadays. We likely eat out more often than we realize for the simple convenience factor alone. At the time that we choose to dine out, the meal doesn't seem to...

FMOOD 0138: The Reality of Interest Charges from 2017-05-03T06:00

Paying your credit card bills on time isn't enough. You need to scrutinize these bills and find out just how much your interest charges are costing you each and every month. You could have one c...

FMOOD 0137: 10 Ways to Get That Promotion! from 2017-05-02T06:00

If you've been at the same place of employment for a while, you're probably setting your sights on getting a promotion, and why shouldn't you? With added responsibility comes an increase in pay,...

FMOOD 0136: Your Spouse, Your Champion from 2017-05-01T06:00

If you are married and in the process of getting out of debt, is your spouse enthusiastically supporting you? Imagine if all married folks, at the same time, enthusiastically supported one anoth...

FMOOD 0135: Garage Sale 101 from 2017-04-30T06:00

Today is all about hosting your very own garage sale in order to earn some quick cash and get rid of stuff at the same time. Believe it or not, there is a process to planning a successful garage...

FMOOD 0134: Getting a Handle on Things from 2017-04-29T06:00

Are you feeling overwhelmed? Does most of your financial life seem to be spinning out of control? Do you find yourself burying your head in the sand and hoping that by some miracle everything wi...

FMOOD 0133: Getting out of Debt Fatigue from 2017-04-28T06:00

Have you ever experienced a phenomenon known as getting out of debt fatigue? It's a real thing, and it happens to the best of us (myself included). When we're focused on a goal like getting out ...

FMOOD 0132: Money Is the Root of All Evil. No, It Isn't. from 2017-04-27T06:00

Money isn't good. Money isn't bad. It's simply money. It's a tool that we utilize, and it doesn't have the capacity to be good or evil. Many folks misquote a well-known Bible verse and will tell...

FMOOD 0131: Fun Money! from 2017-04-26T06:00

You've got to put some fun money into the budget. Personally, I didn't do this for a long time. As a matter of fact, I didn't realize the importance of budgeting for fun money until just recentl...

FMOOD 0130: Interest vs. Interest from 2017-04-25T06:00

Will your interest in the purchases that you make on a credit card or by taking out a loan outlive the interest that you'll pay? In most cases, probably not. When I was younger and less financia...

FMOOD 0129: The Everyone Else Excuse from 2017-04-24T06:00

Everyone else has credit card debt. Everyone else has car payments. Everyone else has a 30-year mortgage. Everyone else will not have enough saved up for retirement. Everyone else has student lo...

FMOOD 0128: What Is Your Ceiling? from 2017-04-23T06:00

It may seem like a strange question, but I have to ask you: what is your ceiling? In other words, what is the self-limitation that you have set for yourself as far as how much you can earn? Is i...

FMOOD 0127: 7 Ways to Be Happier from 2017-04-22T06:00

Think about the last time that you were saddened or angered by some event. In most cases, the event wasn't serious enough for you to care about it in ten weeks from now. Perhaps you wouldn't car...

FMOOD 0126: Happiness in a Smaller Home from 2017-04-21T06:00

If you're in the process of looking for a new home, you may want to consider a smaller home. A smaller home has many benefits, including a smaller area to clean and maintain. Of course, a smalle...

FMOOD 0125: Square Peg, Round Hole from 2017-04-20T06:00

Have you ever felt like a square peg trying to fit into a round hole? In particular, I'm talking about conversations that you may find yourself in with people when what they say is the complete ...

FMOOD 0124: Considering a HELOC? from 2017-04-19T06:00

Are you considering a HELOC (home equity line of credit)? A HELOC is a borrowing instrument that allows you to use the equity in your home to borrow against. My wife and I talked about this and ...

FMOOD 0123: SMART Goals from 2017-04-18T06:00

Simply stated, SMART goals give us an opportunity to put our goals through a filter that will help us to better define our individual goals and increase our odds of success by stating our goals ...

FMOOD 0122: Think Big Picture from 2017-04-17T06:00

In general, it's good to be in the present. However, I also think that it's important for us to anticipate the future as well. If we only look at our finances one week or even one month at a tim...

FMOOD 0121: How to Do the Most Important Thing First from 2017-04-16T06:00

Do you start your day by hitting snooze for a half hour before you actually crawl out of bed? Before you know it, you're rushing around like a crazy person trying to get out the door to get to w...

FMOOD 0120: Be Bold from 2017-04-15T06:00

When we are bold and courageous and know that we're going to succeed before we even start, that's when real progress is made. Knowing with absolute certainty that you will accomplish your goal b...

FMOOD 0119: The Power of Habit from 2017-04-14T06:00

Habits are simply regular actions on autopilot. We have repeated the actions often enough that we no longer need to think about the actions in order for them to occur. Most of us have establishe...

FMOOD 0118: The Common Enemy: Laziness from 2017-04-13T06:00

Even the most driven and focused individuals can succumb to laziness. We don't even realize that it's happening to us when it happens, but when we were set to work on certain tasks but binge-wat...

FMOOD 0117: There Are No Excuses from 2017-04-12T06:00

Excuses set us back from accomplishing our goals. They extend the time necessary to accomplish a particular goal or a task related to a goal because the excuses are something that we use to just...

FMOOD 0116: Beware of the Introductory APR from 2017-04-11T06:00

Between my wife and me, we've been receiving 0% introductory APR credit card offers at least three times a week lately. I started to wonder why there has been a sudden increase in aggressive mar...

FMOOD 0115: Learn More About Yourself from 2017-04-10T06:00

One of the best ways to learn more about yourself and your spending habits is to look at transactions over the last three to six months for several different categories. These categories can be ...

FMOOD 0114: Visualization Experiment from 2017-04-09T06:00

Our brains are wired in such a way that we can imagine an event and actually react and feel emotions the same way as we would if we had actually experienced the real thing. Isn't that a bit fasc...

FMOOD 0113: Leadership and Success from 2017-04-08T06:00

If you are the one who primarily takes care of the household budget, you may not realize that you are effectively in a leadership role. Does this mean that you get to boss your spouse around? No...

FMOOD 0112: It's None of Their Business from 2017-04-07T06:00

Inviting friends or family members to weigh in on a personal financial problem may not work out as well as you had intended. This is especially true if you are married and the disagreement that ...

FMOOD 0111: Ask Me Anything (AMA) from 2017-04-06T06:00

Do you have an issue that you're having trouble with that hasn't yet been addressed on this show? Perhaps you're just starting out and need a little boost to get started on your journey out of t...

FMOOD 0110: How to Make Your Money Stretch from 2017-04-05T06:00

Do you struggle to make your money last until the end of the month? Regardless if you are paid monthly, bi-weekly, or otherwise, I'll be explaining a couple of strategies that will help you to m...

FMOOD 0109: What Truly Matters from 2017-04-04T06:00

It's great to have goals and to be focused on those goals. I love to be driven and to keep going even when times are tough in order to complete a goal. It feels great, and sometimes I welcome ch...

FMOOD 0108: A Hilarious Facebook Ad from 2017-04-03T06:00

I have to tell you about this hilarious Facebook ad that I saw this morning. Long story short, this guy did this ad to push his system on how to make money flipping real estate. He was standing ...

FMOOD 0107: Seeing the Good in Your Spouse from 2017-04-02T06:00

Resentment is a bad thing in a marriage. When you are working on what could sometimes be a stressful path towards getting out of debt, you may come across certain situations where you argue or f...

FMOOD 0106: How I REALLY Feel About Credit Cards from 2017-04-01T06:00

Let me tell you how I really feel about credit cards. Credit cards can be dangerous. At the same time, there's nothing wrong with the responsible use of credit cards. The key is to know yourself...

FMOOD 0105: College Students and Credit Cards from 2017-03-31T06:00

I had a job when I was younger that you may find hard to believe. I was a credit card pusher. Yes, I worked for a company that was hired by banks and other financial institutions to call potenti...

FMOOD 0104: My Budgeting Spreadsheet (Free!) from 2017-03-30T06:00

Are you looking for a free budget spreadsheet that you can use for your monthly budget? I've got my personal monthly budget spreadsheet that I've used over the years now available for download. ...

FMOOD 0103: The Fear of Big Payments from 2017-03-29T06:00

Do you have a fear of making large payments towards your debt? I usually recommend saving up for a large payment and applying it towards the debt in huge chunks at a time. When you save up the m...

FMOOD 0102: Be Kind to Your Spouse from 2017-03-28T06:00

Rule number one when it comes to working with your spouse is to be kind to your spouse. Both of you must follow this rule, otherwise things will become turbulent, and there's a much higher possi...

FMOOD 0101: This Paying off Debt Thing Is Hard! from 2017-03-27T06:00

Are we chunking away at debt using an eating utensil or an ax? We've been in the process of saving for our first large debt payment to chunk away at our highest APR credit card that we want to g...

FMOOD 0100: Don't Wait for Freedom to Be Happy from 2017-03-26T06:00

When we are working towards accomplishing a huge goal like getting out of debt, it can be quite easy for us to convince ourselves that we need to be in a state of suffering while we work on this...

FMOOD 0099: The Habit of Saving While Getting out of Debt from 2017-03-25T06:00

Back on episode number 8, I talked about how you can save your first $1,000.00 for your starter emergency fund, then you can repeat the process to be able to apply large chunks or cash towards y...

FMOOD 0098: Don't Take Yes for an Answer from 2017-03-24T06:00

Sometimes we need to learn to stop saying yes. We say yes to spending money in many ways that go against our goals of getting out of debt and getting into prosperity. We say yes to car payments....

FMOOD 0097: Create a Waiting List from 2017-03-23T06:00

A waiting list is simply a list of upcoming expenses that you are keeping on the radar so that you don't forget about them. It's similar to a sinking fund but considerably different because you ...

FMOOD 0096: Ask the Right Questions from 2017-03-22T06:00

Asking the right questions can be half of the battle when you need to get to the correct answer. We should be asking questions that will help us to drill down a bit and think outside of the box,...

FMOOD 0095: Why I Will Never Lease a Vehicle from 2017-03-21T06:00

It's a question that has been asked over and over again, and will likely continue to be asked. That question is this: is it better to buy or lease a vehicle? I'll tell you exactly why I will nev...

FMOOD 0094: When You Owe to Relatives from 2017-03-20T06:00

I'll say this right out of the gate. It's almost always a horrible idea to borrow money from relatives. What happens when you've already borrowed the money from a relative? What happens if you h...

FMOOD 0093: Does Your Behavior Reflect Your Head Knowledge? from 2017-03-19T06:00

Do you read or listen to information on topics related to a goal that you are trying to accomplish, talk about what you've learned with others, but you don't seem to have the behaviors in place ...

FMOOD 0092: Why You Should Keep Good Records from 2017-03-18T06:00

It is critical to keep good records, especially if you are transitioning from relying on credit to paying cash or using your debit card for purchases. This is especially important if you are new...

FMOOD 0091: Building Multiple Streams of Income from 2017-03-17T06:00

Multiple streams of income isn't a concept that's limited to high-end investors like Warren Buffett. Perhaps you won't be running the next Berkshire Hathaway, but you will be able to increase wh...

FMOOD 0090: You Are Not Your Neighbor from 2017-03-16T06:00

You are not your neighbor. You are not your friend. You are not your relative. In other words, stop trying to keep up with the Joneses.

You may be surprised to find that those wh...

FMOOD 0089: Minimalism Is a Lot of Work (But so Worth It) from 2017-03-15T06:00

Minimalism is a lot of work, or at least it can be. It's so worth it, though. I spent last weekend purging our basement and storage area of stuff that we just don't need anymore. We have stuff t...

FMOOD 0088: Income Does Not Determine Wealth from 2017-03-14T06:00

Do you know of folks who seem to earn a higher income but are struggling just as much (if not more than) folks who are earning less? Why is that? The simple answer is that wealth is not exclusiv...

FMOOD 0087: Feeling Freedom by Paying Cash from 2017-03-13T06:00

There is a certain freedom that comes along when we pay with cash. For one, we know right away that we don't have to pay later like we would if we were to use a credit card. We also know that we...

FMOOD 0086: The 4 Simple Steps to Problem Solving from 2017-03-12T07:00

When we are face-to-face with a particular problem, there are four simple steps to follow in order to solve that problem. I'll be talking about this in more detail today, but here is an outline ...

FMOOD 0085: Your Relationship with Money from 2017-03-11T07:00

Your relationship with money should be one of complete control. If you aren't in control of your money, then that means that the opposite is true: your money is in control of you. The best way t...

FMOOD 0084: Focus on Prosperity from 2017-03-10T07:00

When we are in the process of getting out of debt, we naturally decide to cut or reduce expenses that we don't need. We also make decisions to not spend money on anything that is not written dow...

FMOOD 0083: Don't Get Comfortable from 2017-03-09T07:00

When you have reached a significant milestone in your journey, it's natural to want to take some time to celebrate. There's nothing wrong with this; as a matter of fact, I think that it's health...

FMOOD 0082: Success on One Income from 2017-03-08T07:00

There are many reasons why married folks decide to go from a two-income household where both spouses are working to a one-income household where only one spouse works. The usual reason for this ...

FMOOD 0081: Save and Earn Cash with Ibotta from 2017-03-07T07:00

Today I will be reviewing the Ibotta app for iOS and Android. I'll also tell you how you can earn $10.00 just for trying out the free app and will go into more detail about how you can save mone...

FMOOD 0080: Sort-Of On-Board Spouses from 2017-03-06T07:00

It is typically depicted that in most marriages, there is a saver and a spender - the one who handles the budget and the one who spends all of the money. The reality is that it is not usually bl...

FMOOD 0079: How to Live a Happy and Balanced Life from 2017-03-05T15:00

What makes you truly happy? It's a question that many of us have likely pondered at least several times. It's an important question to ask, though. It's even more important to find the answer to...

FMOOD 0078: A Brand-New Debt Trap from 2017-03-04T14:00

Today I discovered a new tactic that some companies are now using in order to trap us into debt. Personally, I've never seen this tactic used before, so it was brand-new to me. It came in the fo...

FMOOD 0077: Short-Term Sacrifice for Long-Term Gain from 2017-03-03T14:00

When we are involved in a huge undertaking like getting out of debt, we may feel discouraged at times. This is especially true if we have been sacrificing the things that we truly enjoy in the n...

FMOOD 0076: Eliminate Medical Debt with a Simple Phone Call from 2017-03-02T07:00

Are you currently experiencing a true financial hardship yet have a significant amount of medical debt? You may be able to pick up the phone and pay a percentage of the debt and have it consider...

FMOOD 0075: Alternatives to Daycare from 2017-03-01T07:00

How much are you spending every month on daycare? Are you continuing to work and only seeing a few hundred dollars a month because the rest of your hard-earned money is going to a daycare facili...

FMOOD 0074: Inexpensive Home Upgrade Ideas from 2017-02-28T07:00

Find out how you can complete some inexpensive home upgrades that won't break the bank. When we're in the process of getting out of debt, or working on any other personal financial goal for that...

FMOOD 0073: Time to Celebrate! from 2017-02-27T07:00

It's time to celebrate! We have officially saved up our initial $1,000.00 for our starter emergency fund. Needless to say, I'm excited. We started this journey on December 18, 2016, so it has ta...

FMOOD 0072: Actions Speak Louder Than Words from 2017-02-26T07:00

We've all heard the saying that actions speak louder than words. The reason that you've heard the saying before is because it holds true throughout the ages. Gaining knowledge and planning are b...

FMOOD 0071: Negotiate Everything! from 2017-02-25T07:00

Wise (and rich) folks will tell you that everything is negotiable. Whether you are a buyer or a seller, you'll want to brush up on your negotiation skills. Knowledge is power when it comes to ne...

FMOOD 0070: Nobody Cares from 2017-02-24T07:00

Nobody cares more about your money than you do. You are the only one to experience the pain of a poor financial decision or an unexpected expense. On the other end of the spectrum, you are the o...

FMOOD 0069: Did You Buy Too Much House? from 2017-02-23T07:00

Is the roof over your head causing you a lot of stress? Is it preventing you from reaching your financial goals? If so, it may be time to consider whether or not you may have purchased too much ...

FMOOD 0068: The $500 Hit and Run from 2017-02-22T19:00

Many of us have been there, but I will admit that this is the first experience that I've had with this. We recently found damage to our vehicle while it was sitting in a parking lot. The individ...

FMOOD 0067: Don't Waste Time! from 2017-02-21T07:00

Don't waste time. Three little words that mean so much, but for whatever reason, it's easy to forget sometimes. We have jobs, relationships, etc. that tend to make it challenging to be mindful o...

FMOOD 0066: Budget-Friendly Vacation Tips from 2017-02-20T07:00

On today's episode, I'll be talking about budget-friendly vacation tips. We all need a break sometimes. We all need to spend some quality time with our families. We need to relax for a bit and p...

FMOOD 0065: All About Vision Boards from 2017-02-19T07:00

Do you use vision boards? If you don't, have you at least heard of vision boards? On today's episode, I'll discuss how this show was a direct product of one of my vision boards from a long time ...

FMOOD 0064: More Money Won't Fix It from 2017-02-18T07:00

More money isn't going to solve your problems. I'm afraid to break the news to you, but even if you were to get a huge raise tomorrow or won a small lottery prize, you'll still have the same exa...

FMOOD 0063: Kill Car Payments Forever from 2017-02-17T07:00

Car payments are horrible. I used to not have a car payment, and I loved it. That's not the case right now, but I can't wait to go back to having paid-off vehicles. It was a good time, and I mis...

FMOOD 0062: Take a Week off (From Spending!) from 2017-02-16T07:00

It's time to take a week off... from spending! Mark the week off in your calendar, and plan your spending freeze. During this spending freeze, you won't be spending any money at all (with the ex...

FMOOD 0061: How to Inspire Teamwork in Your Marriage from 2017-02-15T07:00

“Teamwork is the ability to work together toward a common vision. The ability to direct individual accomplishments toward our organizational objectives. It is the fuel that allows common people ...

FMOOD 0060: An Easy Way to Save Money on Amazon.com from 2017-02-14T07:00

Amazon.com is pretty amazing. It's a global retail leader, even in comparison with bricks and mortar stores, and there's a good reason for that. You can find some great deals and discounts on Am...

FMOOD 0059: Exercise Your Way out of Debt from 2017-02-13T07:00

Exercising your way out of debt may sound a little strange, but stick with me on this one for a moment. When we decide to do something to improve ourselves, we will generally ride the wave and t...

FMOOD 0058: Talk to Your Kids About Money from 2017-02-12T07:00

Do you know that it's actually healthy to talk to your kids about money? Even at a younger age, it's a good habit to get into to show your children how money works and how money is affecting you...

FMOOD 0057: All About Aldi from 2017-02-11T07:00

Have you ever heard of a grocery store called Aldi? If you have one nearby you, you'll want to check them out if you haven't done so already. While there are plenty of choices for most folks as ...

FMOOD 0056: Sell Everything! from 2017-02-10T07:00

If you're like me, you likely have a bunch of stuff sitting around your house that you haven't touched or even thought about in years. It's time to go through those things and get them sold! Now...

FMOOD 0055: What Are YOU Struggling With? from 2017-02-09T07:00

I'm inviting you to join me on a little side project that I'm doing for this show. I want to help you with whatever it is that you are struggling with right now with regards to your journey to g...

FMOOD 0054: Five Simple Steps to Getting out of Debt from 2017-02-08T07:00

From personal experiences as well as from the experiences of others, I have compiled a list of five simple steps to help you to get out of debt. These steps and actions can be applied to whateve...

FMOOD 0053: The Secret to Ending Marital Money Fights from 2017-02-07T07:00

Money arguments and money fights between spouses can be debilitating and frustrating in a marriage. There's a reason why money fights are in the top five causes of married couples filing for div...

FMOOD 0052: Protect Your Enthusiasm from 2017-02-06T07:00

When you are focused on an important goal, sometimes those who are closest to you tend to say negative things that have the potential to suck the enthusiasm right out of you. These naysayers wil...

FMOOD 0051: Spend Time with Your Budget from 2017-02-05T07:00

Completing your budget for the month feels good. It's a big check off of our to-do list, but our work is not finished quite yet.

Our budgets are usually done month to month, and ...

FMOOD 0050: Should You Cut the Cord? from 2017-02-04T07:00

Do you currently have cable or satellite services? How much would you save per month if you didn't have this subscription? Is it time for you to seriously consider cutting the cord, so to speak?...

FMOOD 0049: Tips for Buying Your Next Vehicle from 2017-02-03T07:00

If you're in the market for your next vehicle purchase, you'll want to listen to this episode first before you head off to the dealership. I've purchased several vehicles, and with these experie...

FMOOD 0048: Pay off Debt or Save for Retirement? from 2017-02-02T07:00

It's a question that will come up at some point along your journey towards getting out of debt: do you continue saving for retirement (or start saving for retirement) before you are completely o...

FMOOD 0047: Uncommon Ways to Save Money from 2017-02-01T07:00

Today I'm going to be talking about some of the uncommon ways for us to save some money every month. These methods are mostly considered uncommon because they are typically overlooked. The small...

FMOOD 0046: The 1% Improvement Plan from 2017-01-31T07:00

What would happen if you set out to improve yourself in various areas of your life by one percent per day? It may not sound like much, but if you focus on this every single day consistently, you...

FMOOD 0045: Quit Cheating Yourself! from 2017-01-30T07:00

Whether we are consciously aware of it or not, we tend to cheat ourselves sometimes. We do this by not questioning whether or not there may be better options and opportunities out there for us. ...

FMOOD 0044: Vehicle Maintenance Tips from 2017-01-29T07:00

What is the best way for us to save some money on what is typically an otherwise expensive line item in our budget? The answer is properly maintaining our vehicles. If you're currently making ca...

FMOOD 0043: Taking Care of Medical Bills from 2017-01-28T07:00

Medical bills and the associated entities that we owe money to are probably the most friendly of the folks that we'll have to deal with if we need to make payment arrangements, but there's a cav...

FMOOD 0042: Unexpected Expenses from 2017-01-27T07:00

How do you handle unexpected expenses? Do you allow them to shred your budget into pieces, or do you mindfully handle the situation to ensure that the impact to your budget is minimal?

 <...

FMOOD 0041: Start Your Own Mastermind from 2017-01-26T07:00

Have you ever heard of a mastermind group before? If not, you may want to listen to this episode to learn more, then consider forming your own mastermind group to help you to accomplish your goa...

FMOOD 0040: How to Declutter Your Home from 2017-01-25T07:00

Do you have a lot of stuff in your home that has slowly accumulated over the years? I'd like to take some time to tell you what my wife and I have been up to lately. We've been decluttering our ...

FMOOD 0039: The Tax Refund Myth from 2017-01-24T07:00

It's that time of the year again. It's tax time, and 75% of us can expect a tax refund from the government. On average, the typical tax refund is a little over $2,800.00. It seems like this is a...

FMOOD 0038: The Sinking Fund from 2017-01-23T07:00

Today I'm going to be talking about the sinking fund. I'll talk about what it is and how we can use it to better our budgeting processes. If a sinking fund sounds a little intimidating, you'll w...

FMOOD 0037: I Can't Save $1,000! from 2017-01-22T07:00

Sometimes the first $1,000 is the hardest part. If you're having difficulties saving that initial $1,000 for your starter emergency fund, you're in the right place. Today I'm going to be talking...

FMOOD 0036: The Envelope System from 2017-01-21T07:00

Have you heard about the envelope system? If not, this episode will explain the system in detail along with some tips on implementing the envelope system to use with your monthly budget.

...

FMOOD 0035: A Trick That No Longer Works from 2017-01-20T07:00

Remember the days when you could call your credit card company and negotiate a lower APR by suggesting that you would move the balance to a competing card if they didn't comply? I tried this rec...

FMOOD 0034: The Top 5 Reasons to Get out of Debt from 2017-01-19T07:00

While there are plenty of reasons to get out of debt, I've condensed them down into a top-five list that I'd like to share with you today. In addition to listing the reasons, I'll also be explai...

FMOOD 0033: Work from Home from 2017-01-18T07:00

There are tons of work from home opportunities out there if you do a search using your favorite search engine. Be aware. Not all of them are legitimate, and you will need to do your due diligenc...

FMOOD 0032: Starting over (Again) from 2017-01-17T07:00

We don't always get it right the first time (myself included). If you tried at one time to get out of debt but failed at doing so, you're not alone. It's okay to give yourself permission to fail...

FMOOD 0031: Attitude of Gratitude from 2017-01-16T07:00

Yes, it may be a trite expression, but an attitude of gratitude is important. When we have this attitude, we find ourselves to be more thankful for what we have and what's going right in our liv...

FMOOD 0030: The Fallacy of Multitasking from 2017-01-15T07:00

Are you a multitasker? You might think that you are, but the truth of the matter is (at least in my opinion), we can only truly focus on one thing at a time. While we might believe that we are d...

FMOOD 0029: Keep Going! You Can Do It! from 2017-01-14T13:00

Sometimes we just want to give up. It seems like we're going to be on this journey to get out of debt for a really long time. While that may be the reality of all of this, we do need to keep goi...

FMOOD 0028: Doing Some Housecleaning! from 2017-01-13T07:00

It's time to do some housecleaning!

Do you have a gym membership but rarely make it to the gym? Do you pay for magazines that sit on the coffee table for a few weeks before makin...

FMOOD 0027: The Credit Card Danger Zones from 2017-01-12T07:00

While credit cards are not necessarily dangerous by themselves, we may find ourselves in what I call the credit card danger zones. We need to be aware of these dangers and take the appropriate a...

FMOOD 0026: No Lottery, No Gambling from 2017-01-11T07:00

Do you see playing the lottery and gambling at a casino as one in the same? If you don't, you may be fooling yourself. Gambling is gambling is gambling, including your state-sponsored lottery. Listen

FMOOD 0025: Starting a Business for Extra Income (Part 6) from 2017-01-10T07:00

Wrapping up our series on starting a business for extra income, I'm going to go over some miscellaneous, yet very important, items and details that you'll want to keep in mind while you are star...

FMOOD 0024: Starting a Business for Extra Income (Part 5) from 2017-01-09T07:00

Continuing with our small series on starting a business for extra income, today I'll be talking about choosing a name for your business as well as touching on some points having to do with formi...

FMOOD 0023: Starting a Business for Extra Income (Part 4) from 2017-01-08T07:00

What do you do during downtime that occurs when owning a business? That's simple! You work on your business!

When you're first starting out, you have to maximize your time to gro...

FMOOD 0022: Starting a Business for Extra Income (Part 3) from 2017-01-07T07:00

On this next installment of our small series about starting a business for extra income, I'm going to be talking about taking action now to get this business of yours off of the ground. It's too...

FMOOD 0021: Starting a Business for Extra Income (Part 2) from 2017-01-06T07:00

Continuing the small series of starting your own business for extra income, I'm going to discuss what we'll be doing with the list that you came up with in episode 20. If you haven't listened to...

FMOOD 0020: Starting a Business for Extra Income (Part 1) from 2017-01-05T07:00

I'm starting a series on the topic of starting your own business to earn more income to apply towards your debt (or anything else that helps you out financially). Starting a business is great; I...

FMOOD 0019: New Year's Resolutions from 2017-01-04T07:00

Personally, I don't believe in New Year's resolutions. With that said, I also don't think that there's anything wrong with making resolutions; it's just not for me. I like to think that I can se...

FMOOD 0018: The Importance of Annual Budgets from 2017-01-03T07:00

Today I'd like to focus on the annual budget. Most of us do a month-to-month budget, and this is still important, however it is recommended to get a high-level overview of the year ahead. When w...

FMOOD 0017: All About Minimalism from 2017-01-02T07:00

Getting things down to the lowest common denominator and making life better in general sounds intriguing, doesn't it? Look no further. Have you heard about the movement known as minimalism? If y...

FMOOD 0016: Swimming Against the Current from 2017-01-01T07:00

Do you sometimes feel as though you are swimming against the current? You're trying to make it to the shore, but the current is too strong and keeps pushing you back or is otherwise preventing y...

FMOOD 0015: Zero Debt or Manage Debt? from 2016-12-31T07:00

There is what sometimes can be a spirited debate with regards to whether one should get out of debt and swear it off completely or get out of debt and manage it well in the future. Which option ...

FMOOD 0014: How to Save Money on Insurance from 2016-12-30T07:00

When was the last time that you took a good look at your auto insurance? How about your home and property insurance? If you've been with the same insurance company for the last several years (or...

FMOOD 0013: Debt Denial from 2016-12-29T07:00

Are you in debt denial? It happens when we are in so much trouble with debt that we put our blinders on and ignore how much trouble we're really in. We ignore consequences and pay the minimum pa...

FMOOD 0012: Why We Need Support from Our Spouses from 2016-12-28T07:00

With the already challenging goal of getting out of debt, we need support from our spouses. Getting out of debt won't happen unless you do get that much-needed support from your spouse. It's as ...

FMOOD 0011: Using Credit to Make Ends Meet (Credit Is Not Cash) from 2016-12-27T07:00

Have you found yourself on more than one occasion using credit cards to pay for things that you used to pay for with cash? There's a harsh reality for a lot of folks out there who are making end...

FMOOD 0011: Using Credit to Make Ends Meet (Credit Is Not Cash) from 2016-12-27T07:00

Have you found yourself on more than one occasion using credit cards to pay for things that you used to pay for with cash? There's a harsh reality for a lot of folks out there who are making end...

FMOOD 0010: The Freeze Factor from 2016-12-26T07:00

No, I'm not talking about the current colder temperatures. What I am talking about is the freeze that happens when we take a look at the big picture and finally realize just how much debt we're ...

FMOOD 0009: I Don't Wanna! from 2016-12-25T07:00

Have you ever hit a wall where you feel like being a little selfish with income? You don't want to just hand over your hard-earned money to the credit card company or the bank. You want to keep ...

FMOOD 0008: Parlay the 1K from 2016-12-24T07:00

When you're focused, it's amazing what you can accomplish. For many of us, saving that initial $1,000.00 as a starter emergency fund will show you that you can save $1,000.00 if it's necessary t...

FMOOD 0007: Be Intentional from 2016-12-23T07:00

Being intentional is incredibly important, especially when you are working on smaller goals that are related to your much larger goal of getting out of debt. Whether you are just starting out by...

FMOOD 0006: Get Angry! from 2016-12-22T07:00

We need to get angry. We can't be passive. We have to get emotional about paying off debt. While looking at spreadsheets and crunching numbers is great from a logical perspective, we do need to ...

FMOOD 0005: The Power of Cash from 2016-12-21T07:00

It's almost strange when you see someone actually paying with cash. Not too long ago, the opposite was true. Everyone paid with cash, and when someone didn't pay with cash and pulled out a credi...

FMOOD 0004: Two Things Before Starting from 2016-12-20T07:00

There are two important things that we need to do before we start on this journey to get out of debt. The first thing is to bring all of our past due bills current and paid. The thing about some...

FMOOD 0003: Budgeting with Percentages from 2016-12-18T22:54:25

I came across an interesting way to budget. It allows me to see not only what I'm spending, but it also allows me to allocate the resources needed for each major category. I explain this procedu...

FMOOD 0002: The Emergency Fund from 2016-12-18T22:53:23

Today I'm talking about the emergency fund, or more specifically, the starter emergency fund. This is the amount that you should have set aside to serve as a cushion for any emergencies that com...

FMOOD 0001: Stop Living on Credit! from 2016-12-18T22:52:23

When we're used to using credit cards or other types of borrowing (car loans, personal loans, etc.), it can be a real psychological challenge to stop the behavior. The truth of the matter is tha...

FMOOD 0000: An Introduction to FMOOD from 2016-12-18T22:51:39

Debt is a roadblock when it comes to success with finances. Many of us know that, but yet we continue to stay in debt even though we do have other options. Those other options do require a lot o...

FMOOD 0000: An Introduction to FMOOD from 2016-12-18T22:51:39

Debt is a roadblock when it comes to success with finances. Many of us know that, but yet we continue to stay in debt even though we do have other options. Those other options do require a lot o...