Reduce Debt Increase Wealth

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Reduce Debt Increase Wealth

MIsterchuck

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Debt reduction to achieve financial freedom takes commitment, confidence, determination.

Reduce Debt Increase Wealth

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Tracking Revisited

Tracking for six months or longer and sometime may make mistakes in posting. What to look out for in the app. Setting up recurring posts and fixing older posts. Article Links: none found.Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Plan for Debt Reduction

Having a plan to reduce debt makes the process much easier. What is the plan and where to find a plan. Article Links: https://www.thebalancemoney.com/debt-elimination-plan-2385990 By Courtney JohnstonSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Start Reducing Debt

The basic rules of staying debt free how to go about getting high interest debt gone. Not an easy task but can be done once the rules are applied consistency. It starts with knowing there a problem and a plan to get the problem under control. Article Links: https://www.tiaa.org/public/learn/retirement-planning-and-beyond/managing-your-money/seven-steps-to-more-effectively-manage-and-reduce-your-debt https://www.consumerfinance.gov/about-us/blog/how-reduce-your-debt/ By Courtney-Rose DantusSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

How to Stay Debt Free

The basic rule of personal finance is simple, but most forget about them. These are the basic rules to remember and put into use daily. There are some debts that cannot avoid and are necessary for everyday life. Knowing how to manage debt can help avoid getting deeper into debt. Article Links: https://suitsmecard.com/blog/9-essential-rules-of-personal-finance-that-you-should-follow https://www.bankrate.com/banking/simple-money-rules-to-live-by/Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Managing large cost purchase is the basis of this episode. An auto or home the day will come when face with these decisions. What to do and how to approach the challenge. Article Link: https://www.houselogic.com/remodel/budgeting-contracting/best-time-of-year-to-buy-things-for-your-home/ https://www.nerdwallet.com/article/finance/what-to-buy-every-monthSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Everything to Reduce Debt

Using the control center to help reduce spending is a benefit of doing a control center. Seeing where money is going and taking control of spending help reduce debt. Keeping spending under control is necessary and is easy to do once know where the money is going. This episode will cover everything needed to control spending. Article Links: https://navicoresolutions.org/resources/blog/5-money-management-basic-habits-for-financial-success?gad=1&gclid=Cj0KCQjw7JOpBhCfARIsAL3bobeIFE1nz6I4LqCN92d_N7p-xfgX_Lzy4cATLnxLprmfSnsOlT_DhD4aAm9xEALw_wcB https://www.nerdwallet.com/article/finance/how-to-stop-spending-money-8-ways-to-resist-the-urgeSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Debt Reduction Plan

Getting debt under control a plan is needed. Debt Reduction Plan must do more than just reduce debt to be successful. More about the Happy giraffe Debt Spreadsheet to work with every plan. Article Link: https://Happygiraffe.org/liveSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Alternate To Control Center

There is another way to account for finances but before starting on that option going to follow up on some control center items. Article Link: https://Happygiraffe.org/live Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Starting Control Center

Control Center is nothing more than a budget, this is the easy way to create and update the control center every week so knowing what happening in finance is current. Starting with the most simple budget for those who are struggling to pay down debt. Article Link: https://www.nerdwallet.com/article/finance/budget-worksheet By Lauren SchwahnSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Fix MIstakes start Tracking

Knowing the problems with personal finance the first fix is start tracking. Tracking is simple and once started does not require much time if kept up to date. Article Links: https://www.nerdwallet.com/article/finance/tracking-monthly-expensesSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Personal Finance Mistakes

Most problems start with mistakes, in personal finance not doing things is a mistake. Knowing what to do is the best way to avoid the debt cycle and budget crisis staying inform with finances is the way to start. Article Links: https://www.investopedia.com/personal-finance/most-common-financial-mistakes/ By Emily Norris https://www.equifax.com/personal/education/personal-finance/top-money-mistakes/ Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Benefits of Debt Reduction Plan

Getting control of personal finances and stopping creditors calls are a couple of benefits. This is a plan for the do it yourselfer and is easy to start and stay on track. Article Links: https://www.bankrate.com/personal-finance/debt/pros-cons-of-debt-relief/#consolidation By Holly Jonson https://www.nerdwallet.com/article/finance/find-debt-relief By Dev O’SheaSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Benefits of Control Center

Having and keep a budget up to date has benefits. Tracking will help in this process but putting the number in front to compare what happen is a big factor in getting personal finances in order. Article Links: https://www.investopedia.com/financial-edge/1109/6-reasons-why-you-need-a-budget.aspx By Amy Bell https://www.incharge.org/financial-literacy/budgeting-saving/budgeting-benefits/ By Michael Knisley Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Benefits of Tracking

Most do not keep track of spending, which is when problems can and will start. Too much debt is cause by spending too much money and unaware of that problem. Article Links: https://www.myhubble.money/blog/the-benefits-of-tracking-your-spending-habits https://www.lifehack.org/482228/5-surprising-benefits-of-tracking-your-spending By Sharen Ross https://oboloo.com/blog/the-importance-of-keeping-track-of-expenses/ Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Debt Problem Overview

Have debt problems this episode talks thru all the steps to getting debt under control. Beginning with identifying the problem and the steps to take to tackle this problem.Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Reduce Debt Tips

What it takes to pay off credit and tips and tricks to make the process easier. Do it yourself is the cheapest way to reduce debt but must be able to make tough decisions then carry thru with them. Article Links: https://finred.usalearning.gov/Money/DebtTraps https://www.nerdwallet.com/article/finance/find-debt-relief By Bev O’Shea https://www.consumerfinance.gov/about-us/blog/easy-remember-guidelines-help-people-reduce-credit-card-debt/ By Susan KerbelSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Setting Up Budget

Once tracking has been done for the last 30 plus days, now it time to start a budget or control center. The tracking will make the control center easier to setup and to maintain. Vacation time and how that affect the tracking and budgeting process. Article Link: http://mappingyourfuture.org/money/budget.cfmSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Tracking Basics

Knowing the basics of personal finance, the tracking makes more sense. Everything will start to fall into place as to the importance for personal finance. Tracking of monies into and out of checking will start to full fill the five aspects of personal finance. Then creating a budget will be the control center to increase savings and achieving other goals. Article Link: https://www.nerdwallet.com/article/finance/tracking-monthly-expensesSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Personal Finance Basics

Knowing the basics about personal finance is necessary for debt reduction. Everyone should understand personal finances to plan and pay bills. This includes savings for future purchases and taking care of basic needs. Article Link: https://www.annuity.org/personal-finance/ By Terry TurnerSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Option to Doing a Budget

Doing a budget to much time and want a different approach to help reduce spending. How about find out the amount of money available to spend on a weekly basis. This spreadsheet will give you that information. This is new topic in the traditional budgeting process. Allocation of money received to an expense to ensure the timely payment is necessary. How to incorporate this into traditional budgeting spreadsheet. Will talk about another spreadsheet that computes your weekly unspent money. Article Links: https://www.incharge.org/financial-literacy/budgeting-saving/how-to-make-a-budget/Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subjec…

Debt Reduction Plan Budget

Having problems reducing debt, this is how to get started on that process. Going to expand on the allocation money in the control center. (Budget). Article Links: https://www.equifax.com/personal/education/debt-management/creating-debt-reduction-strategy/Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Advance Budgeting Items

Once the budget in place and a few months has pasted it time to add items to help with credit score and overall financial health. Using percentages as a guideline. When using an app learn how the app works before starting the app. Take time to learn the app in the long term this will be beneficial. Article Links: https://www.budgetsmadeeasy.com/household-budget-percentages/ Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Budget from Tracking Categories

Making and keeping a budget needs to be simple, or it will not work. Here is a way to do a budget the easy and fast. Referring to using tracking app by printing out a report to develop the budget. Budgeting is to help identify problems and adjust to reach goals. Not just to reduce spending and make life less enjoyable. Article Link: https://www.myjar.app/blog/budget-exhausted-know-the-reason-behind-this-failureSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Tracking Income & Expenses

All the debt has been identified now it time to start tracking all income and spending. Knowing how much money is in the checking account and monies owe is important to reducing debt. Emergency fund in detail how to setup different savings categories for uses as needed. Article Link: https://www.wellsfargo.com/financial-education/basic-finances/manage-money/cashflow-savings/track-spending/ https://financebuzz.com/how-to-track-spending By Taylor MedineSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Debt problems this is the first place to start. Tracking debt the how and why to get debt under control. Tracking is more than just debt also includes income, and spending. Article Link: https://www.nerdwallet.com/article/finance/debt-tracker by Lauren Schwahn and Sean PylesSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Spending too much but not sure or just living paycheck to paycheck how to fix these problems. Always thinking about spending money almost everything do and see try’s to get us to spend money. Lets see how to stop that type of spending. Article Link: https://www.ruleoneinvesting.com/blog/financial-control/spending-money-wisely/ By Phil Town https://www.unexpectedlydomestic.com/where-does-all-my-money-go/ Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Almost Debt Free Now What

Getting closer to being debt free now what to do with the money. Tracking and still have a control center is a must. No reason to go back to old spending habits. Article Link: https://www.maggiegermano.com/blog/what-you-should-do-after-paying-off-debt/ by Maggie Germano Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Budget Made Simple

Control center is the second most important part of the personal finance. Keeping spending under control and know what and where money is going is key to reducing debt and increasing savings. Article Link: https://www.huntington.com/learn/budgeting/how-to-make-a-budgetSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Money In, Money Out

That is what most checking account are doing. The first and most important part of debt reduction is tracking all spending and income. Doing this will help as knowing when and where money is going is key to understanding the debt problem. Once understanding debt then creating a solution is easier. Article Link: https://www.nerdwallet.com/article/finance/tracking-monthly-expenses By NerdWalletSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

How People get into Debt

Is the question everyone should ask themselves. This is important to know so the problem can be fixed. Then steps to get rid of debt can be taken. This episode is first in a series to become debt free. Article Link: https://www.debt.com/news/how-do-people-get-into-debt/ By John Boitnott https://finred.usalearning.gov/Money/DebtTraps Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Maximize Debt Reduction

Those trying to reduce debt this is how to maximize the process. Reducing debt is a hard and timely process, but it can be speeded up by doing some extra things. Making the tough choices, doing without for a couple of years will pay off in the long term. Article Link: https://www.wellsfargo.com/goals-credit/smarter-credit/credit-101/debt-to-income-ratio/dti-faqs/ https://www.capitalone.com/learn-grow/money-management/how-to-reduce-debt/Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Tuning Up Budget

Once a budget or control center has been established staying on the budget is important. As time passes some of the fixed expense may change so the control center need to be updated. I do this every month but that not necessary, update every quarter is enough. Article Link: https://www.trustage.com/learn/managing-money/how-to-personal-budget https://ourhappyhive.com/do-a-financial-tune-up-and-keep-your-budget-on-track/Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Tracking for Budget

Keeping track of income and spending is the first step in keeping personal finance under control. The second step is having a budget of some type or a Control Center. These two steps are the key to financial success and reducing debt. Article Links: https://www.thebalancemoney.com/how-to-track-your-expenses-2385695 by Miriam Caldwell https://whybudgeting.com/personal-budget-categories/ by Hugo Guerreiro https://happygiraffe.org/donate/ Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Identity Debt Problems

The first step in reducing debt is identity the problems too much spending or too little income. Everyone makes mistakes but those who correct mistakes are much better off. What are the mistakes most people make in personal finance. Article Link: https://www.investopedia.com/personal-finance/most-common-financial-mistakes/ By Emily Norris https://www.equifax.com/personal/education/personal-finance/top-money-mistakes/ Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Questions to Ask About Personal Finance

Money is important in everyone’s life let us ask the tough questions about personal finance. Knowing the answers will help in the long run to manage finances and make life better. That is what life about staying focus and ahead of finances. Article Link https://www.createcultivate.com/blog/money-questions-to-ask-yourself/ https://www.careercontessa.com/advice/scary-money-questions/Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Debt Management Plan

What is the difference between debt reduction plan and debt management plan both are the same in most cases. Debt management plan for most is a professional counseling person working to help reduce debt. It not always the best way to go as fees are paid. Instead I think a debt management plan is for those whose do not have a debt problem but looking forward before taking out loans to be sure the payment can be made. Debt reduction plan is the process to take to reduce debt the best way. Article Link https://www.consumerfinance.gov/about-us/blog/how-reduce-your-debt/ By Courtney-Rose Dantus https://www.debt.org/management-plans/ Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbai…

Budget Categories with percentages on Spreadsheet

Doing a budget requires some type of written document. Using a computer spreadsheet to do the math makes this a straightforward process. How to set up a budget on a spreadsheet and how to categorize expenses. Article Link: https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/creating-a-budget https://www.gobankingrates.com/saving-money/budgeting/recommended-budget-percentages/ By Kathy Evans https://happygiraffe.org/2022/07/getting-started/Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Tracking for A Budget

How to set up tracking categories to be in same order of the budget. The tracking program has categories list different than the budget categories. I found a way to make these match to make budgeting easier. What is the number one thing keeping most people from building wealth. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

It may seem like no progress is being made on reducing debt, but at this stage it is a slow process. Once quit using credit, identify items to cancel made those tough choices it’s a waiting game for cash to increase. It starts out very slow so do not give up stay focus on what the objective reducing debt. Understanding how the debt got out of control is important to getting out of debt. Article Link: https://www.investopedia.com/articles/pf/12/the-debt-spiral.asp By Lisa SmithSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Reducing debt requires making some tough choices, what to get rid of or quit paying for which services. This is key if money is not available then it will be difficult to reduce debt. Article Link: https://www.foolproofme.org/articles/332-strategies-for-saving-more?gclid=Cj0KCQiAzeSdBhC4ARIsACj36uEZ0AZ6qjSziBuzEe-cjhau9PygoL6KtkfaOp3CRKA2xasNb6AhwDYaArh9EALw_wcB By Remar SuttonSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Hardest Part of Reducing Debt

Getting started reducing debt is the hardest part of this program. Why is that, because first must recognize the problem and how to fix the problem. Second is just finding ways to start and quit using debt. Article Link https://money.usnews.com/money/personal-finance/debt/articles/easy-ways-to-pay-off-debt By Emma KerrSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Why is emergency fund important? How to get started funding and is there the need to increase the balance for inflation. This is only one thing needed to build wealth or reduce debt. What other things are needed to be done to achieve financial wealth. Article Link: https://www.consumerfinance.gov/an-essential-guide-to-building-an-emergency-fund/ https://www.nerdwallet.com/article/banking/emergency-fund-why-it-matters by Margarette BurnetteSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Building Credit

Building credit can be difficult if don’t know how and what to do. Those having bad credit can rebuild credit in the process of paying off credit card debt. Article Link: https://www.bankrate.com/personal-finance/credit/how-to-build-credit/ By Nicole Dieker https://www.nerdwallet.com/article/finance/raise-credit-score-fast By Bev O’SheaSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Control Center AKA Budget

Keeping a budget and knowing when and where your money is going is key in keeping debt under control. It also important to know when and where money is going to help with the timely payments. Article Link: https://www.personalfinancelab.com/finance-knowledge/personal-finance/budgeting/ By Kevin SmithSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Debt Reduction & Management Plan

What is a debt reduction and management plan and how it works. This is one plan that works for both and is something that should be memorize or place in a place to be view regularly. Article Link: https://www.sofi.com/learn/content/creating-debt-reduction-plan/Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Tracking Expenses

What are the benefits of tracking, and why everyone should be doing this activity. Will go into details of this activity and how to use this information so it not a waste of time. Article Links: https://www.nerdwallet.com/article/finance/tracking-monthly-expenses https://bethebudget.com/reasons-to-track-your-expenses/Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Increase Wealth

Increase wealth can be difficult for most, the younger getting started and staying focus can make this happen much earlier in life. Put yourself first in life and start taking the steps needed to be better financially sooner. Article Link: https://www.investopedia.com/terms/w/wealth.asp#:~:text=Wealth%20measures%20the%20value%20of,the%20accumulation%20of%20scarce%20resources. By the Investopedia Team https://www.guardianlife.com/investments/how-to-build-wealthSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

How to plan for tough times and be ready when troubled times happen. Getting personal finances in order and keeping positive in life. Review goals and changing goals based on what the economy is doing. Article Link: https://www.principal.com/individuals/build-your-knowledge/step-step-guide-build-personal-financial-plan Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Recession or no recession what to do, but first what is a recession. Then recession proof personal finances to get by until good times are back. Article Link: https://www.investopedia.com/terms/r/recession.asp By the Investopedia TeamSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Loan Consolidation

What is loan consolidation should it be done and how it is done. Will give another way to reduce debt if unable to get loan consolidation1. Article Link: https://www.consumerfinance.gov/ask-cfpb/what-do-i-need-to-know-if-im-thinking-about-consolidating-my-credit-card-debt-en-1861 Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Saving Money Tips

The first step in saving money is reducing the spending. Then keeping spending under control will increase the saving rate. Getting debt reduce, reduce spending and increasing income all help and work together to increase savings. Article Links: https://americasaves.org/resource-center/insights/54-ways-to-save-money/ https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/ways-to-save-money Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Budget Spreadsheet

How to create a budget using a spreadsheet made simple. This is the easiest way to create a budget using a spreadsheet, going to explain how this is done, giving easy to follow instructions. Will include setting up subtotals within each category and the reasons to do so. Article Link: https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/creating-a-budgetSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Expense Tracking

At some point everyone should start tracking expenses and income then finally create and maintain a budget. Why is this important to complete goals, have money for the troubled times, just to have piece of mind overall in life. Article Link: https://www.nerdwallet.com/article/finance/expense-tracker-apps By Hal M Bundrick, CFPSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

When to use Debt Card VS Credit Card

Those that are having problems with debt and need to quit using credit this will help in getting that problem solved. A debt reduction plan should be quit using credit, but this may be a problem for most people. Article Links https://www.citizensbank.com/learning/when-to-use-cash-credit-debit.aspx https://www.realsimple.com/work-life/money/debit-vs-credit-card By Hiranmayi SrinivasanSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Know Budget Cateories Percentages

How much of net income should be use by each category monthly. Knowing these percentages will help in getting debt reduced and savings increased. Article Links: https://www.gobankingrates.com/saving-money/budgeting/recommended-budget-percentages/ By Kathy Evans https://money.usnews.com/money/personal-finance/saving-and-budgeting/articles/how-to-determine-budget-percentages-to-meet-your-money-goals By Geoff Williams https://nomoredebts.org/budgeting/budgeting-guidelines Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Why is setting goals important when trying to reduce debt. Once realized that debt has become a problem setting goals to reduce debt is key to staying on track. Goals that related to reducing debt is covered in this episode. Article Links: https://www.lucidchart.com/blog/the-ultimate-goal-setting-process-in-7-steps Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Getting Started Reducing Debt

Debt can be overwhelmingly difficult to reduce. What is the first steps in getting debt under control. First to identify what cause this problem then to try to eliminate the problem. Article Links: https://www.consumerfinance.gov/about-us/blog/how-reduce-your-debt/ By Courtney-Rose Dantus https://www.mymoneycoach.ca/blog/how-to-pay-off-get-out-of-debt-with-small-steps.html By Julie Jaggernath https://www.mymoneycoach.ca/budgeting/loans-debt-credit/get-out-of-debt Comments, Questions, Requests, contact by email below Reducedebtincreasewealth at gmail . com Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

All Things Considered

There is more to personal finance than reducing debt. While reducing debt is the biggest problem it not the only item that is needed in life. The second item is savings the third is protecting the assets that is owned. Article Links: https://pricelawfirm.com/the-8-ways-to-protect-your-assets-from-a-lawsuit-you-should-know-about/ Edited By Sam Price Comments, Questions, Requests, contact by email below Reducedebtincreasewealth at gmail . com Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

No Savings for Retirement

What to do when have little or no retirement savings. First this must be identified early so that changes can be made. More than half of Americans have less than $ !0,000 saved for retirement. Article Links: https://findcontinuingcare.com/blog/how-to-retire-with-no-money https://machenwealth.com/blog/real-life-examples-of-what-happens-when-you-fail-to-save-enough-for-retirement https://www.thebalance.com/retiring-without-savings-at-60-years-old-4161009 By Rebecca Lakepe Comments, Questions, Requests, contact by email below Reducedebtincreasewealth at gmail . com Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Debt Management Plan

Debt management is a must for everyone, to keep credit cards under control. Debt reduction is a must in this time of inflation to stay on track with goals. Before getting started on debt going to talk more about control center and how to use with debt management. Article Links https://www.incharge.org/debt-relief/debt-management/debt-management-program-template-debt-relief/ By Tom Jackson Comments, Questions, Requests, contact by email below Reducedebtincreasewealth at gmail . com Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Budget Control Center

Budget is the control center of personal finances. Without a budget it is impossible to determine the success of goals or determine how and when the goals will be achieved. Article Links: https://www.rockethq.com/learn/credit/personal-budget-what-is-it-and-why-do-i-need-one By Molly Grace https://www.thebalance.com/reasons-to-budget-money-2385699 By Miriam Caldwell Comments, Questions, Requests, contact by email below Reducedebtincreasewealth at gmail . com Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Tracking Finances

Tracking personal finances needs done on a weekly basis. Many do not keep track of anything and get behind on paying bills and do not knowing how much money in checking account. This is important for everyone to do and to stay ahead of bills coming due. Article Links: https://www.wikihow.com/Keep-Track-of-Your-Personal-Finances By Michael R Lewis https://www.thebalance.com/is-it-important-to-track-my-expenses-2385679 By Miriam Caldwell Comments, Questions, Requests, contact by email below Reducedebtincreasewealth at gmail . com Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Starting a Business

Starting a business to build wealth sometimes works but has risk and many fail. The best way to get started in a business is to have a plan and be debt free in personal life. These are the things that need to be complete before starting a business. Income is the only way to build wealth so having a losing business will not build wealth. Article Link: https://www.businessnewsdaily.com/4686-how-to-start-a-business.html By Joshua Stowers Comments, Questions, Requests, contact by email below Reducedebtincreasewealth at gmail . com Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Debt Payoff Calculator

Found a payoff calculator that can be used to estimate the time needed to pay off debt using my plan. Remember the one-time payment being made and the month made is an estimate so may not be exact in estimating the total months need to be debt free. Article Link: https://www.calculator.net/debt-payoff-calculator.html Comments, Questions, Requests, contact by email below Reducedebtincreasewealth at gmail . com Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Inflation Proof Budget

With inflation on the rise with no end in sight now the time to start reducing debt, and spending. It sounds easy to do but many struggle to grow savings and reduce debt. Here are some ideas to do to make sure the needs taken care of, and savings can increase in a time of inflation. Article Link: https://www.sounddollar.com/7-steps-to-inflation-proof-your-budget By Elaine King Comments, Questions, Requests, contact by email below Reducedebtincreasewealth at gmail . com Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

How to build emergency fund

Increasing the savings account or emergency fund is important in debt reduction. How do you know when and how much to transfer into savings so that money can stay there. Article Link: https://www.nerdwallet.com/article/banking/savings/emergency-fund-why-it-matters By Margarette Burnette Comments, Questions, Requests, contact by email below Reducedebtincreasewealth at gmail . com Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Understanding Debt Reduction

Debt reduction can be a daunting task, overwhelmed and not sure how to start. Get paper and pen out, get ready to list the steps needed to reduce debt. First a list in the order to proceed towards debt reduction then will explain that list. Article Link: https://www.nerdwallet.com/article/finance/find-debt-relief By Bev O’Shea https://www.investopedia.com/terms/d/debt-relief.asp#:~:text=Debt%20relief%20refers%20to%20measures,a%20single%20lower%2Dinterest%20loan. By Julia Kagan Comments, Questions, Requests, contact by email below Reducedebtincreasewealth at gmail . com Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Benefits of Retirement Savings

Having to work past retirement because cannot pay the everyday needs is not an option. Taking care of needs is necessary so saving for retirement at a youthful age is necessary. There are more bills to pay as we age for example medical. So, what are the benefits of retirement savings. Article Links: How Much Will Healthcare Cost in Retirement? Prepare to Be Shocked | The Motley Fool This is how much — or little — is in the 'average' 401(k) plan - MarketWatch by Brett Arends, ROI https://www.covenantwealthadvisors.com/post/benefits-of-retirement-planning By Mark Fonville Comments, Questions, Requests, contact by email below Reducedebtincreasewealth at gmail . com Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live…

Reminders For Personal Finance

What to do when getting debt reduced, many may not know what to do with the money. Do not do wasteful spending but instead set up for success. The things everyone should consider having to make sure finance is never a problem. Article Links: https://www.clevergirlfinance.com/blog/important-reminders/ By Bola Sokunbi Comments, Questions, Requests, contact by email below Reducedebtincreasewealth at gmail . com Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Overwhelmed with debt can cause problems, many problems. Taking control of money and getting the debt under control will help everything in life. Making it easier for daily living and long-term goals. Take control of your money, do not let it control you. Article Links: https://consumer.westchestergov.com/financial-education/credit-and-debt-management/tips-to-reduce-your-debt https://www.wellsfargo.com/goals-credit/smarter-credit/manage-your-debt/tips-for-managing-debt/ Comments, Questions, Requests, contact by email below Reducedebtincreasewealth at gmail . com Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Budgeting Categories

In a perfect world these would be determined before buying or renting a place to live. This is not possible in most cases what should be the percentages of income in each category and why this is important in keeping a personal budget. What categories that need to be in a budget and how to group. Article Links: https://www.budgetsmadeeasy.com/household-budget-percentages/ By Ashley Patrick https://moneyfit.org/how-to-budget?gclid=EAIaIQobChMI3pmu3OHw9wIVegaICR3GTwPXEAAYAiAAEgI1yPD_BwE Comments, Questions, Requests, contact by email below Reducedebtincreasewealth at gmail . com Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subje…

Benefits of Tracking Expenses

What is tracking expenses and how will this help in getting a budget under control. This is the easiest way to setup a budget and to maintain a budget without using a lot of your time. Article Links: https://www.kindafrugal.com/benefits-of-tracking-your-expenses/ By Jerry Graham https://richardkleincpa.com/importance-of-keeping-track-of-your-expenses/ Comments, Questions, Requests, contact by email below Reducedebtincreasewealth at gmail . com Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Benefits of Budgeting

People do not like thinking about making and maintaining a budget. The B word is almost like a bad word to most, but the benefits out weight the time and effort to get a budget set up. Maintaining a budget will prevent the problems that are common with most households. The too much debt problem and the lack of money to reduce the debt. Article Links: https://www.cabotfinancial.co.uk/money-management/money-management/what-are-the-benefits-of-budgeting By Kay Choudhury https://thesavvycouple.com/benefits-of-budgeting/ By Brittany Kline Comments, Questions, Requests, contact by email below Reducedebtincreasewealth at gmail . com Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantia…

What causes inflation and how to reduce the effects of inflation on personal budget. Knowing the causes of inflation will help in dealing with this problem. It not a short-term problem but will be a long-term problem. Article Link: https://www.investopedia.com/terms/i/inflation.asp By Jason Fernando Comments, Questions, Requests contact by email below Reducedebtincreasewealth at gmail . com Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

How to Save Money

How to reduce the spending and save more money to reduce debt or increase savings. First must identify that there is a spending problem. Then find ways to solve this problem. Article Links: https://www.nerdwallet.com/article/finance/how-to-save-money By Courtney Neidel Comments, Questions, Requests, contact by email below Reducedebtincreasewealth at gmail . com Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

What the difference between credit and debt, then how does each affect your financial life. Debt can be good and bad, but all credit must be good to have a healthy financial life. This episode is about good debt vs bad debt and having good credit. Article Links: https://www.experian.com/blogs/ask-experian/credit-education/score-basics/what-is-a-good-credit-score/ https://www.investopedia.com/articles/pf/12/good-debt-bad-debt.asp#:~:text=Good%20debt%20has%20the%20potential,for%20the%20purpose%20of%20consumption. By Lisa Smith Comments, Questions, Requests, contact by email below Reducedebtincreasewealth at gmail.comSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All…

Financial Freedom

Still working on getting credit cards debt reduced. Now the time to start tracking net worth. This will help in determining the progress made in debt reduction. W hat is financial freedom, is it worth the effort? Treat all credit cards as cash, only charge what can be payoff every month. Put extra money into emergency fund, once have 6 months expenses the remaining into investments. Article Link: https://www.spaceship.com.au/learn/the-seven-stages-of-financial-freedom/ By Nicole Webb https://financebuzz.com/us-net-worth-statistics By Kerry Murray Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Saving Vs Investing

Having an emergency fund is essential in keeping on track with any goals and plans. Increasing the emergency fund is important as the debt reduced this will help keep the debt under control in the future. Once the emergency fund is large enough then start investing first in a high yield saving, then in the market. Article Links: https://www.investopedia.com/articles/basics/06/invest1000.asp By Chad Langager https://www.investopedia.com/articles/investing/022516/saving-vs-investing-understanding-key-differences.asp By Lauren WelchSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

How to get started in reducing debt no matter what type of debt. Credit cards, student loans, Line of Credit, personal loans, and payday loans getting out of debt can be difficult to get started. It can be done without any outside help if you know how and what to do. Quit using Credit Make minimum payment on debt Start or Increase Emergency Fund Apply excess emergencies fund money to debt Article Links: https://www.investopedia.com/best-debt-reduction-software-4844305 By Holly JohnsonSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

How to budget, the basics using the tracking software to get reports and grouping. How to reduce overall spending on items. Review the budget to remove items not using or no longer needed. Article Links: https://studentaid.gov/resources/prepare-for-college/students/budgeting https://www.consumer.gov/articles/1002-making-budget#!what-to-doSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Spending Tracking

Why tracking is important both to know how much debt is owe, and when due. Tracking checking, credit cards, savings knowing what is due when and the amount in emergency fund. Article Links: https://www.nerdwallet.com/article/finance/tracking-monthly-expenses By Courtney Neidel https://files.consumerfinance.gov/f/documents/cfpb_your-money-your-goals_spending_tracker_2018-11_ADA.pdfSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Retirement Planning

Why plan for retirement social security will be enough to live on, I hope. Don’t plan on having someone else to take care of you, plan on taking care of yourself. Article Links: https://www.investopedia.com/articles/retirement/11/5-steps-to-retirement-plan.asp By Julia Kagan https://www.dol.gov/sites/dolgov/files/ebsa/about-ebsa/our-activities/resource-center/publications/top-10-ways-to-prepare-for-retirement.pdfSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Financial Planning

Take the time to look ahead in life, then plan for whatever is coming. This is what most people fail to do, failing to plan is planning to fail. Article Link: https://www.themuse.com/advice/50-personal-finance-tips-that-will-change-the-way-you-think-about-money By Alden Wicker Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Is it a good place to get a loan, it depends on what the use of the loan is going to be. Be careful and know the interest rates and all fees before accepting this type of loan. Article Links: https://www.policygenius.com/loans/news/5-risky-loans-to-avoid-at-all-costs/ By Paul Sisolak https://www.investopedia.com/articles/personal-finance/111815/8-possible-risks-unsecured-personal-loans.asp By Tim ParkerSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Living Paycheck to Paycheck

Feeling overwhelmed with bills, it seems there never enough money to pay all. How to get out of this cycle and have money to save. The first thing to do in this process is to review… Article Links: https://www.gobankingrates.com/money/jobs/10-reasons-living-paycheck/ By Christina LavingiaSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Debt Management Plan

What is a debt management plan, is it the same as a debt reduction plan what is the difference between these plans. Should a debt management plan be something in place before borrowing money. Article Links: https://www.bankrate.com/personal-finance/debt/what-is-debt-management/ By Raychelle Heath https://www.moneymanagement.org/debt-management/what-is-a-debt-management-planSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Credit Card Debt Consolidation

Before getting a debt consolidation loan the first thing to do is to have a debt reduction plan. This way getting that loan will be easier and perhaps not even required. There are many apps that help with getting finances under control. They may not help until the user has a better understanding of getting spending under control. Article Links: https://www.nerdwallet.com/article/loans/personal-loans/consolidate-credit-card-debt-personal-loan By Steve Nicastro, Jackie Veling Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

This is a quick and easy way to get started with a budget. Knowing categories and the percentages of each is key in keeping a successful budget. Article Links: https://www.quicken.com/blog/budget-categories By John Worley https://familybudgetexpert.com/budget-categories/ By Rob Bertman CFA, CFPSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

How to use your tax refund to reduce your debt. Many people think by using tax refunds to pay down debt is the best thing to do. This may not be the best way to use a tax refund. Article Links: https://www.cnbc.com/2021/04/13/here-are-some-smart-and-also-fun-things-to-do-with-that-tax-refund.html https://www.thebalance.com/ways-not-to-spend-tax-refunds-4126876Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Paying off Credit Card Debt

Bye now the Christmas spending is showing up on credit card statements. Now the time to start planning to avoid the same debt problems next year. How to quit using credit cards to pay for Christmas. Article Links: https://www.cnbc.com/2021/11/29/holiday-shopping-2021-more-than-half-of-americans-are-going-into-debt.html By Jessica DicklerSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Percentage of Americans living paycheck to paycheck

Many Americans are living paycheck to paycheck don’t feel alone. This is a common problem among middle income and high earners making over $ 100,000 per year. So, it not the income that the problem perhaps spending too much with too much debt. Article Links: https://www.investopedia.com/articles/personal-finance/091015/why-high-earners-still-live-paychecktopaycheck.asp By Rebecca Lake https://www.investopedia.com/articles/pf/10/budgeting-when-broke.asp By Reyna GobelSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Retirement is not an age but should be when finances allow retirement to happen. Retire early is only limited to income, debt owed, and the ability to pay all the bills. Having wealth in abundance at an early age solves this long-time problem. Article Links: https://www.ramseysolutions.com/retirement/what-is-the-fire-movement https://www.cnbc.com/select/lessons-from-people-who-retired-in-their-30s/Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Personal Finance

What is personal finance, it more than paying off debt or creating a budget. It is planning, managing money as well as savings and investing. Also, the protection of assets plus protection of income. This podcast focuses on reducing debt, but personal finance is much more. Article Links: https://www.credit.com/personal-finance/ https://corporatefinanceinstitute.com/resources/knowledge/finance/personal-finance/ Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Getting debt under control is the first step in building wealth. It takes more than getting out of personal debt. Building wealth takes investing to the max and maybe even starting a business to help create the wealth wanted. Article Links: https://youngandtheinvested.com/how-to-build-wealth/ By Riley Adams, CPA https://www.tonyrobbins.com/business/building-wealth/Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

The final process is to create a financial plan. Getting here has been a lot of work tracking income and expenses, creating a budget, getting a debt reduction plan in place. Now the final step is to put down on paper your financial plan. Article Links: https://www.franklintempletonindia.com/investor/investor-education/video/importance-of-financial-plannng-io04og31 https://www.investopedia.com/terms/f/financial_plan.aspSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Debt Reduction Plan

Started tracking expenses and income, setup a budget now knows where the money is going, the next step is a debt reduction plan. This is the next step towards getting credit card and all debt under control. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Personal Budget Template

New year maybe good time to setup a new budget. Already have budget good time to review and make changes to reflect the changes in life. Adding new categories, removing old ones is an ongoing process. Request a budget worksheet already setup by going to ReduceDebtIncreaseWealth.com face book page send instant messenger request budget worksheet giving your email address will send. Article Link: https://investedwallet.com/personal-finance-statistic/ https://www.debt.com/statistics/Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Tracking Expenses

What is tracking and how does this work with a budget. First a budget only shows what you should be spending. Without tracking how would a person know if on track or spending too much. The most important part of your personal financial life should be tracking. Article Links: https://www.thebalance.com/how-to-track-your-expenses-2385695 By Miriam Caldwell Small Expenses That Can Add up to Overspending Issues (thebalance.com) By Miriam CaldwellSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

How to stop using Credit Cards

Unable to pay off credit card balance every month a problem is developing. To solve this problem stop using credit cards to made purchases. This is how to stop using credit cards, the rewards are not worth the interest and fees that may be paid. Article Links: https://www.forbes.com/advisor/credit-cards/how-to-get-off-the-cycle-of-using-your-credit-card-for-everything/ By Kelly Anne Smith https://www.consumerismcommentary.com/10-steps-to-break-the-2credit-card-habit/ By Abby HayesSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

How to Build Credit

Building credit is important for everyone. Having a bad credit score will hurt the chances of getting a loan, and even increase cost of insurance. Article Links: https://www.experian.com/blogs/ask-experian/credit-education/improving-credit/building-credit/ By Stefan Lembo Stolba https://www.bankrate.com/personal-finance/credit/how-to-build-credit/ By Nicole Dieker https://www.bankrate.com/finance/credit-cards/how-to-report-rent-payments-to-credit-bureaus/ By Raychelle HeathSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

When and How to Debt Consolidate

Debt consolidation may be a good idea, can you get the loan with lower interest rate. Is your credit rating improving or getting worse since the last loan or new credit was issued. Getting a higher interest rate loan does not make sense so beware before getting a loan consolidation. Article Links: https://www.forbes.com/advisor/personal-loans/pros-and-cons-of-debt-consolidation/ By Kiah Treece, Jordan Tarver https://www.nerdwallet.com/article/loans/personal-loans/debt-consolidation-loans-bad-credit By Jackie Veling Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Relief From Credit Card Debt

Companies offer you relief from credit card debt if it sounds to good to be true then beware. What to know before doing anything. Do it yourself to reduce the cost and time to get out of debt. Article Link: https://www.consumer.ftc.gov/articles/0145-settling-credit-card-debt Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

How to Budget for Inflation

What can be done to lessen the impact of inflation on household budgets. What is inflation and how to tell if it is affecting your budget. Article Links: https://pocketsense.com/budget-inflation-2221946.html By William Adkins https://www.theadvertiser.com/story/money/business/2021/08/07/how-account-inflation-your-budget/5499935001/ By Mary Fox Luquette All episodes now on ReduceDebtIncreaseWealth.com Facebook page look for podcast tab.Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Review Debt Reduction

Having some type of debt reduction plan is a must to get rid of credit card debt. There are things to do to help and things to avoid at all costs. Article Links: https://www.nerdwallet.com/article/finance/find-debt-relief By Bev O’Shea https://www.consumer.ftc.gov/articles/0150-coping-debt All Episodes now on Facebook, go to ReduceDebtIncreaseWealth.com to find. Look for podcast tab. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Financial Plan Reviewed

Planning is an ongoing process that must be review and updated every year. It only takes a few minutes to do this but is important as things may have change over time. Article Links: https://www.nerdwallet.com/article/investing/what-is-a-financial-plan By Kevin Voigt, Alana Benson The 5 Times When You Should Review Your Financial Plan | Kiplinger by: Eric Roberge, Certified Financial Planner (CFP) and Investment Adviser All episodes are now on Facebook go to ReduceDebtIncreaseWealth.com in facebook and look to the podcast tab.Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Plan Ahead Using A Budget

Once the budget is set and perfected than it can be used to plan for a new loan, retirement, investing or saving for that new home, wedding, child or automobile. Article Links: A Better Way to Budget: The Fiscal Fitness Plan Ahead Method (fiscalfitnessphx.com) All episodes are now on Facebook go to ReduceDebtIncreaseWealth.com in Facebook and look to the podcast tab. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Should you use a Home Equity line of credit HELOC what are the benefits and disadvantages. Maybe an Equity loan is a better way to improve the home. Personal loan line of credit is another option maybe but will cost more interest. Article Links: https://learn.financestrategists.com/finance-terms/loc/equity-line-of-credit/ by True Tamplin, BSc, CEPF® https://www.experian.com/blogs/ask-experian/best-and-worst-ways-to-use-heloc/ * *by Karen Axelton All episodes are now on Facebook go to ReduceDebtIncreaseWealth.com in Facebook and look to the podcast tab. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

The FIRE movement is strong with the younger generation wanting to retire early. Maybe at age 35 to 40 is this possible and how is it done. Then what will a person do in retirement, most likely work of some kind. Article Links: https://www.playingwithfire.co/whatisfire https://www.businessinsider.com/personal-finance/why-ditched-traditional-fire-movement-2021-6 By Michelle Jackson All episodes are now on Facebook go to ReduceDebtIncreaseWealth.com in Facebook and look to the podcast tab.Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Saving for a House

What to buy that first home or move up into another home? The first thing you need to do is save up a down payment. But that still not enough, so MisterChuck expands on things to do to get into that home. Article Links: https://www.rocketmortgage.com/learn/how-to-save-for-a-house By PATRICK CHISM https://time.com/nextadvisor/banking/savings/how-to-save-for-a-house/ By *Kendall Little**,**Raina He** *All episodes are now on Facebook go to ReduceDebtIncreaseWealth.com in Facebook and look to the podcast tab.Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Having credit is good but having too much debt can be bad. How to manage credit so you do not have to manage debt. Article Links: https://pocketsense.com/advantages-disadvantages-consumer-credit-8063.html By Cam Merritt https://www.nerdwallet.com/article/credit-cards/credit-card-tips-everyone-should-know By Lindsay Konsko https://www.marketplacefairness.org/blog/personal-finance-statistics/ https://mint.intuit.com/blog/financial-literacy/financial-statistics/ All episodes are now on Facebook go to ReduceDebtIncreaseWealth.com in Facebook and look to the podcast tab.Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Investing in Stocks

How to increase your net worth, investing into stock for the long term is one way. The other is to reduce your debt. Doing both at the same time may increase your net worth faster. This episode is the basic on investing in stocks and the benefits. Article Links: https://www.investopedia.com/articles/basics/06/invest1000.asp By Chad Langager https://www.investor.gov/introduction-investing/investing-basics/investment-products/stocks All episodes are now on Facebook go to ReduceDebtIncreaseWealth.com in Facebook and look to the podcast tab. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Budget Categories

What are budget categories, and the percentages should be when determining how much to spend. MisterChuck goes over this information and much more. Article Links: https://www.chime.com/blog/recommended-budget-category-percentages/ By Chonce Maddox https://www.credit.com/blog/12-top-budget-categories-you-need-in-your-plan/ All episodes are now on Facebook go to ReduceDebtIncreaseWealth.com in Facebook and look to the podcast tab.Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

What does it take to reduce debt? MisterChuck goes over the method to get debt under control and over time get out of debt. Articles Links: No articles used All episodes are now on Facebook go to ReduceDebtIncreaseWealth.com in Facebook and look to the podcast tab.Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Debt Relief Programs

How to avoid using debt relief programs and determine what was the cause of getting too much debt. Before using any debt relief program you must understand why your debt is a problem. MisterChuck talks about these plus other things people do that are personal finance mistakes. Articles Links: https://www.bankrate.com/uk/current-accounts/personal-finance-mistakes/ By Marianne Curphey https://www.forbes.com/advisor/personal-finance/tips-to-avoid-common-budget-mistakes/ By E Napoletano, Daphne Foreman All episodes are now on Facebook go to ReduceDebtIncreaseWealth.com in facebook and look to the podcast tab.Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquire…

Christmas is not far off, now the time to set aside money for your Christmas shopping. Article Links: https://www.moneycrashers.com/create-holiday-budget/ By Amy Livingston All episodes are now on Facebook go to ReduceDebtIncreaseWealth.com in Facebook and look to the podcast tab.Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Job Interview Questions

When your income is too low the need for a new job is required. What are the job interview questions and how to handle is covered in the episode. Article Links: https://www.indeed.com/career-advice/interviewing/top-interview-questions-and-answers By: Indeed Editorial Team https://www.themuse.com/advice/51-interview-questions-you-should-be-asking By The Muse Editor All episodes are now on Facebook go to ReduceDebtIncreaseWealth.com in Facebook and look to the podcast tab.Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Investing in stock market

What to know before investing in the stock market, the basics that are important. 1.Assets Classes 2.Diversification Article Links: https://corporatefinanceinstitute.com/resources/knowledge/trading-investing/asset-class/ https://www.nerdwallet.com/article/investing/diversification By Tiffany Lam-Balfour, James Royal, Ph.D., Elizabeth AyoolaSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Spending habits some are good, but most are bad. Mister Chuck discuss this topic and how to break these bad habits. A. Good Habits B. Avoiding Bad habits Article Links: https://www.mentalfloss.com/article/532663/9-good-money-habits-you-can-form https://www.developgoodhabits.com/good-financial-habits/ https://www.frugalconfessions.com/spend-less/list-of-spending-habits/ By Amanda L GrossmanSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Budget self-employed

If you are self-employed or thinking about starting your own business here how you should do a budget. Included are the percentages for each category to consider when reviewing your monthly budget. Article Links: https://www.gobankingrates.com/saving-money/budgeting/recommended-budget-percentages/ By Kathy Evans https://www.thebalance.com/how-to-figure-out-budget-percentages-for-money-goals-4171689 BY REBECCA LAKESupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Personal Finance

What is personal finance? Why personal finance is important, and how does it affect everyone's life. This episode Mister Chuck goes over the basic things that personal finance includes. Article Links: https://www.investopedia.com/terms/p/personalfinance.asp By WILL KENTONSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Budgeting is not all that hard; it is easy after understanding the basic concept. It is a plan for your money nothing else. Failing to plan is planning to fail. Budget Categories 1.Housing 2.Transportation 3.Food & Dinning 4.Entertainment 5.Cloths 6.Savings Article Links: https://mint.intuit.com/blog/budgeting/tips/ https://bethebudget.com/budgeting-tips/Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Debt Reduction Service

A plan is needed to reduce debt. No matter how much is owed or the number of credit cards or loans. A plan will help organize all debt and determine the order of payment. 1.Create Budget 2.List All Debt 3.Stop Creating New Debt 4.Put money into Emergency Fund (Saving Account) Article Links: https://www.investopedia.com/best-debt-reduction-software-4844305 By HOLLY JOHNSON https://dfi.wa.gov/documents/financial-education/budgeting/debt-reduction-plan.pdfSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

A simple approach to getting a financial plan in place. Financial plan will help track goals, set spending limits and get an emergency fund into place. Financial plan help identify your short comings with finances and directs movement to a better place. Article Links: https://www.schwab.com/resource-center/insights/content/10-steps-to-diy-financial-plan By Carrie Schwab-Pomerantz https://savology.com/6-benefits-of-financial-planning By Sam Jones AFCSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Types of bankruptcy and what the requirements may be to file and get bankruptcy relief. Note I am not an attorney, and this is not legal advice .Articles Links: https://www.credit.com/debt/filing-for-bankruptcy-difference-between-chapters-7-11-13/ by Gerri Detweiler https://www.creditkarma.com/advice/i/chapter-7-bankruptcy-means-test By Lance Cothern, CPASupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Before you can start tax planning, knowing about taxes is a must. Mister Chuck go through an Individual tax return breaking down each part of the return. Articles Link: Publication 17, Your Federal Income Tax (For Individuals)Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Two questions to ask yourself, how long will my retirement savings last? How much will be lost to Income Taxes? Article Links: https://www.westernsouthern.com/learn/financial-calculators/retirement-withdrawal-calculator https://www.investopedia.com/articles/personal-finance/062615/10-little-known-ways-reduce-your-401k-taxes.asp By TIM PARKER HTTPS://WWW.KIPLINGER.COM/TAXES/TAX-BRACKETS/602222/WHAT-ARE-THE-INCOME-TAX-BRACKETS-FOR-2021-VS-2020 by: Rocky MengleSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Start A Business

Once your debt has been paid off, the need to make money work becomes important. One way is to start a business or invest in a business what to do? Article Links: http://www.angelscorner.com/articles/12_rules_for_inv.htm https://www.investopedia.com/articles/personal-finance/120815/4-most-common-reasons-small-business-fails.asp By MELISSA HORTONSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

How to reduce your spending. Get spending under control is the most important thing to do when reducing debt. First make a Financial Plan, and a Debt Reduction Plan. Article Links: https://www.clevergirlfinance.com/blog/how-to-stop-spending-money/ By Bola Sokunbi https://www.fool.com/the-ascent/banks/articles/how-stop-spending-money-you-cant-afford/ by Christy Bieber Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Type of Expenses

What are types of expense that should be in a budget? Mister Chuck explain the types and the categories in making a simple budget .Article Links: https://fiscalfitnessphx.com/know-your-expenses-know-your-budget-four-types-of-expenses-and-how-to-plan-for-and-cut-them https://www.quicken.com/blog/budget-categories By CRAIG TSUCHIYA 5 Signs You're Doing Better Than You Think When it Comes to Your Money (fiscalfitnessphx.com)Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Pay off credit card debt?

Mister Chuck helps a friend pay down and then pay off all their credit cards debt. How to get started, what to do every month and the important thing to stay focus on getting all the debt paid off. Article Links: https://www.creditcardinsider.com/learn/reducing-debt/ By Brendan HarknessSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Prepaid Debit Cards

Should you use a prepaid card, what are the fees and advantages. Prepaid cards better than a checking account with debt card.? Mister Chuck looks into these and other questions. Article Links: https://www.higherpurposefinance.com/advantages-and-disadvantages-of-having-a-debit-card/ By Kathy Ngo https://www.thebalance.com/should-you-spend-with-debit-or-credit-cards-315480 BY JUSTIN PRITCHARD Advantages and disadvantages of prepaid cards - reliablecounter blog Posted by Izabela KurzejaSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Need to borrow money, not sure where to go, or how. Misterchuck explains what to do and consider before borrowing any money. Article Links: https://www.thebalance.com/borrow-money-without-going-broke-3964542 BY JUSTIN PRITCHARD https://www.discover.com/personal-loans/resources/learn-about-personal-loans/borrowing-money/Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Student Loan Debt

Difference between Federal and Private Student loans. Who can get loan forgiveness though the Federal Government? What you need to do and can student loan be discharges through bankruptcy. Article Links: https://studentaid.gov/manage-loans/forgiveness-cancellation https://www.investopedia.com/articles/younginvestors/09/private-or-federal-student-loans.asp By KATIE ADAMS 32 people qualified for full student-loan forgiveness in gov't repayment plan (businessinsider.com) By Lauren FriasSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Investing Principles

Getting started in investing, when to start, how to get started. What you need to do and know before starting to invest in the market. It best to start early in life and it will pay the rewards. Article Links: https://www.arborinvestmentplanner.com/investing-principles-fundamental/ By Ken Faulkenberry https://www.schwab.com/investing-principles https://grow.acorns.com/melissa-jean-baptiste-worst-money-advice/ By Shawn M. Carter Getting started - BogleheadsSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

How to Pay off Credit Card Debt

Get out of credit card debt, is it a sprint or marathon. Misterchuck describes his method of getting out of debt in detail. 1.What to do first 2.How to start 3.Stay focus and stay on track Article Links: https://www.creditcardinsider.com/learn/reducing-debt/ By Brendan Harkness https://www.nerdwallet.com/article/credit-cards/6-tricks-to-kick-credit-card-debt-quicker By Claire TsosieCountabout Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Extreme Cost Cutting

Thinking about getting started with the Fire Movement, here are extreme ways to cut your spending. The whole family must do all of these costs cutting to save maximum money. Article Links: https://www.accounting-degree.org/resources/extreme-ways-to-save-money/ Written by Accounting-Degree.org Staff https://thekrazycouponlady.com/tips/money/40-borderline-extreme-ways-to-save-serious-money-in-2017 By EvelynCountabout Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

What is the FIRE Movement and is it for you? Should you try to retire early, then what will you do with no purpose in life. 1 What is Fire. 2 Should you try to achieve Fire. 3 Is this something that can be achieve for your lifestyle. 4 Why not to completely retire early. Article Links: https://www.moneyunder30.com/the-fire-movement By Lance Cothern https://www.marketwatch.com/story/why-we-ditched-the-fire-movement-and-couldnt-be-happier-2019-09-30 By Lisa Mad Money Monster hereCountabout Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other i…

Increase Pay or Side Hustle

Working for a pay increase at work or start a side hustle which is best option. Mister Chuck look into both of and discuss the advantages of both. 1.Asking for Raise at Work? 2.Starting a Side Hustle Article Links: https://www.thebalancecareers.com/how-often-should-you-ask-for-a-raise-2062775 By ALISON DOYLE https://thecollegeinvestor.com/14608/make-money-fast-side-hustling/ By Robert FarringtonCountabout Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Why budgeting is Important

Mister Chuck answers this question, also reviews different types of budgets. 1.Types of Budgets 2.Mister Chucks battle with budgets 3.Importance Article Links: https://www.thebalance.com/how-many-budgeting-techniques-can-you-choose-from-453627 BY PAULA PANT https://www.thebalance.com/reasons-to-budget-money-2385699 BY MIRIAM CALDWELL Quote: Opportunity is missed by most people because it is dressed in overalls and looks like work. –Thomas EdisonCountabout Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subjec…

Cash Or Plastic, Which to Use?

Should You use cash or plastic to buy things like gasoline, groceries, meals when out and about. Mister Chuck will discuss this option, 1.Pay with Cash or Plastic 2.Review Envelope Budgeting method 3.Tips to protect from theft. Article Links: Cash vs. credit cards: How either option can help you save money (acorns.com) By Shawn M. Carter How to Use the Envelope Budgeting Method Without Using Cash (thepennyhoarder.com) By Nicole Dow Quote: Being frugal does not mean being cheap! It means being economical and avoiding waste. - Catherine PulsiferCountabout Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org…

Real Estates Investing

Location and valuation how to pick a location and what is the value of the property. You need to be able to determine both of these before purchasing a home or rental. 1.Location 2.Determine Value Article Links: https://www.investopedia.com/financial-edge/0410/the-5-factors-of-a-good-location.aspx By Tara Struyk https://www.lendinghome.com/blog/property-valuation-for-real-estate-investors/ By G. BRIAN DAVIS Countabout Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Increase Emergency Fund

Once you have the budget, and debt reduction plan in place it’s time to increase the emergency fund. Increase or getting one started is step one to financial freedom. Article Links: https://www.foolproofme.org/articles/332-strategies-for-saving-more , By Remark SuttonCountabout Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Year two in doing this podcast Mister Chuck reviews what he has done in the first year. Then review everything that you need to do to achieve financial freedom. 1.Review first year podcasting experience 2.What is Financial Freedom 3.Keep it going Article Link: https://www.chicagotribune.com/business/ct-richest-people-in-the-world-20160121-story.htmlCountabout Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Debt Reduction Plan

Mister Chuck giving his debt reduction plan made simple. This is a simple plan to follow and to achieve your financial goals no matter how much you earn. Articles Links: https://www.moneyunder30.com/no-more-budgets Written byDavid Weliver pdf-1020-make-budget-worksheet_form.pdfCountabout Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Financial Plan made Simple

Everything start with a plan, saving for retirement, reducing debt, buying a home. Without a plan nothing will get completed on time or in the correct order. Mister Chuck will explain. https://www.clevergirlfinance.com/blog/ten-steps-to-creating-a-solid-financial-plan/ https://www.wikihow.com/Write-a-Personal-Financial-PlanCountabout Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Breaking Bad Spending Habits

Mister Chuck discuss how to break bad spending habits. Identity what you are doing that is creating more debt and how to break that spending. Article Links: https://www.loanme.com/blog/the-seven-worst-bad-spending-habits-and-how-to-break-them By Ricky Baizas https://www.everydollar.com/blog/create-better-spending-habitsCountabout Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Pay YourSelf First

Finish with Christmas debt saving tips. Pay yourself first reason why to do this, then how to achieve on a regular basis. Setting up budget is easy, consider the reverse budgeting is the way to get started paying yourself first. ARTICLES LINKS: https://www.investopedia.com/ask/answers/12/pay-yourself.asp By AARON LEVITT https://www.nerdwallet.com/blog/finance/pay-yourself-first-reverse-budgeting-explained/ By Lauren SchwahnCountabout Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Christmas Credit Cards

How much did you spend for Christmas was place on a credit card? Do you expect to pay this off in one month or longer? Want to avoid this same problem next year now is the time to plan and solve this yearly problem. 1 How long does it take to pay off 2 How to pay off faster 3 Plan for next year Article Links: https://www.marketwatch.com/story/heres-how-long-it-will-take-americans-to-pay-off-their-christmas-debt-2017-12-29 By Kari Paul https://www.investopedia.com/financial-edge/0113/how-to-pay-off-christmas-debt.aspx By ANGIE MOHRSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Finance Software Review

Contabout 15-day free trial review the program. I had no problems learning and using this program. Easy to use! Easy to figure out! A great program for the starting price of $ 9.99 per year.Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

10 Steps to Buying a Home

Mister Chuck goes over what to expect when buying your first home. What to do first when getting started. From looking for a home, to making an offer to the closing. 1. Intro 2. Review the process of buying a home 3. Summary Articles Links: https://www.zillow.com/home-buying-guide/10-steps-to-buying-a-home/ https://www.discover.com/home-loans/articles/10-steps-to-buying-a-home/Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Investing Keeping It Simple

Mr. Chuck follows up on last episode with more information to help the new investors. Before getting started review why budget apps can help those with bad spending habits. What are the different market segments an overview nothing to deep. Articles Links: https://awealthofcommonsense.com/2013/02/keep-investing-simple/ By Ben Carlson https://awealthofcommonsense.com/2015/03/whats-considered-long-term-in-the-stock-market/ By Ben Carlson https://etfdb.com/etf-education/the-10-sectors-of-the-stock-market By Justin KuepperSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Investing {for millennials}

Getting started can be a hard decision as you save the money and really do not want to lose any. You may know some basic investing such as stocks, bonds, CD’s, money markets but not sure what to do or how to get started. Mister Chuck go over this to help you with investing where to start. Articles Links: https://www.annuity.org/financial-literacy/investing-for-beginners/Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Increase Savings

Have you setup a budget using an app, but it still does not help you save more money. Mr. Chuck discuss why budgeting apps don’t work, then give you way to increase your savings. 1 Budgeting Apps not working 2 How to fix apps if that don’t work 3 Increase Savings 4 Overspending Articles Links: https://blog.qubemoney.com/5-reasons-budgeting-apps-dont-work/ By Jennifer Calonia | https://blog.qubemoney.com/6-causes-of-overspending-that-are-holding-you-back By Camilo MaldonadoCountabout Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All…

What are the budgeting benefits and is it worth the time and effort to setup a budget? Below are some links to worksheets to help you get started with setting up a budget. Mr. Chuck discuss these benefits and expands on why budget can help reduce debt, or increase investments. Article Links: *https://moneyandmountains.com/benefits-of-budgeting/* by Kathryn Mancewicz https://thesavvycouple.com/benefits-of-budgeting/ by Brittany Kline pdf-1020-make-budget-worksheet_form.pdfCountabout Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inqu…

Personal Finance is based on knowing your numbers. What number should you always know and why. Mister Chuck look into these numbers to give you the information so you know your happy numbers. 1. Net Income 2. Monthly Expenses 3. Debt Interest Rates & Amount 4. Savings Interest Rates (also Rate of savings) 5. Net Worth 6. Years to Retirement Article Links: https://www.thesimpledollar.com/financial-wellness/the-personal-finance-number-that-matters-the-most/ by Trent Hamm https://www.moneysavedmoneyearned.com/8-critical-personal-finance-numbers-you-need-to-know/ By Tawnya ReddingSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Sub…

Mortgage Calculator

Mortgage calculator is used to see how much interest can be saved by making extra payment. But credit card debt is reduce by making larger payment, Debt consolidation, or going to debt consulting are the common ways to reduce your debt. But one thing is missing Mister Chuck explain how to avoid these common ways and still get out of debt. Does paying extra on mortgage every month help or should you be making extra payments? Article Links: https://inspiredbudget.com/4-reasons-people-dont-pay-off-debt/ BY ALLISON BAGGERLY https://www.bankrate.com/mortgages/prepaying-your-mortgage/ By Zach Wichter https://www.mortgagecalculator.net/advanced/Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial…

A overview on how to get started investing. What you should be doing in the investing world, make your money work for you. Then what does it take to become a above average investor. Using Robo Advisor maybe the easy way to get started. Article link: https://millennialmoney.com/start-investing/ By *GRANT SABATIER *https://www.motilaloswalmf.com/knowledge-centre/5-keys-of-investingCountabout Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

We make mistakes in personal finances. Here are some of those mistakes and how to solve this problem. Mister Chuck talks about these and just knowing about these mistakes can help your finances. There are 22 Mistakes listed in this article and I cover them all. Article Links: https://www.listenmoneymatters.com/financial-mistakes/ By Candice ElliottSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Cash Out Refinance

Mister Chuck discuss should you do a cash out refinance or get a Line of credit. First does this fit into your debt reduction plan and should this be done. 1 What is your debt reduction plan 2 How will cash out refinance fit into this plan 3 Have you used the 30 Day rule 4 What are the costs and how much could you cash would you get 5 How are you using the cash Article Links: https://www.nerdwallet.com/article/mortgages/refinance-cash-out By Deborah Kearns, Holden Lewis https://themortgagereports.com/68932/cash-out-refinance-guide-rules-rates-requirements By *Erik J. Martin** *Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subje…

Mister Chuck discuss changing your financial lifestyle to improve your credit score and get out of debt. Apply 60 simple rules of Personal Finance. 1 Why improve credit score 2 How improve credit score Article Links: https://www.myknowledgebroker.com/blog/personal-insurance/how-to-raise-your-credit-score-by-100-points-in-45-days/ Posted by Steph Schreiber https://www.incharge.org/blog/can-my-credit-score-go-up-100-points-in-a-month/ by Joey Johnston Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Debt to Income Ratio

Mister Chuck explores this ratio debt to Income plus other things to know about using this to your advantage. 1 What it is and what is means 2 How to compute this ratio 3 Why is good to Know and Who uses Ratio Article Links: https://www.consumerfinance.gov/ask-cfpb/what-is-a-debt-to-income-ratio-why-is-the-43-debt-to-income-ratio-important-en-1791 https://www.investopedia.com/terms/d/dti.asp By CHRIS B. MURPHY Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Debt Reduction Possible Scams

Mister Chuck covers the warning signs of possible scammers concerning debt settlements providers. Then covers the basics of how to set up a budget and discussed if this is a process that any do it yourself can do to save the fees of debt reduction services. 1. Warning Signs 2. Don’t do these things 3. Can you do it yourself before using a service Articles Links: https://www.moneyunder30.com/10-things-you-should-know-about-debt-management-programs by David Weliver https://www.moneymanagement.org/budget-guides/create-a-budget Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Net Worth, Tax Planning, Estate Planning

What is net worth and why it important. Mister Chuck explain and why important to keep track of once a year. Also covers tax planning and Estate planning in this episode everyone needs to have a knowledge on these topics even at a young age. 1 Net Worth 2 Tax Planning 3 Estate Planning Article Links: https://www.thesimpledollar.com/financial-wellness/how-to-calculate-your-net-worth/ By Trent Hamm https://www.nerdwallet.com/article/taxes/tax-planning by Tina Orem https://www.estateplanning.com/What-is-Estate-Planning/ Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

What is Financial Distress

Rule #1 Spend less than you earn seems a simple rule but that really does that mean. How do you achieve this habit? There are times maybe it not appropriate to follow. Mister chuck discuss this rule in detail. What is financial distress and how to recognize when you are becoming distress. Articles Links https://www.fca.org.uk/insight/understanding-financial-distress By Benedict Guttman-Kenney https://lifehacker.com/spend-less-than-you-earn-is-useless-unhelpful-financ-1710042416 Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Debt snowball spreadsheet

Mister Chuck explores spreadsheets to use to help those trying to get out of debt. Finding what he believes is the best one to use, plus more. 1 Review past episodes 2 Why to use spreadsheets 3 Ones to use to help Articles Link: https://www.thebalance.com/free-debt-reduction-spreadsheets-1294284 *BY* *SHELLEY ELMBLAD* https://www.vertex42.com/Calculators/debt-reduction-calculator.htmlSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Simple rules of personal finance part 2

Mister Chuck goes over rules that can help everyone with personal Finance. There are total of sixty rules the remaining 36 in this episode. Following just some of these rules can help everyone get a grip on their money and make life easier. Article Link: https://www.thesimpledollar.com/save-money/sixty-simple-rules-of-personal-finance/ By Trent HammSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Simple Rules of Personal Finance Part 1

Mister Chuck goes over rules that can help everyone with personal Finance. There are total of sixty rules the first 24 this episode. Following just some of these rules can help everyone get a grip on their money and make life easier. Article Link: https://www.thesimpledollar.com/save-money/sixty-simple-rules-of-personal-finance/ By Trent HammSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

How to Save Money

Many struggle to save money, it not hard, Mister Chuck discuss how to get saving into your budget. 1. Reason not to save 2. Set Goals 3. Reach Goals Articles Links: https://www.thebalance.com/how-to-set-and-reach-savings-goals-2386115 By *MIRIAM CALDWELL* https://www.thebalance.com/overcome-excuses-and-save-money-4129534 By *MATT REINER* https://www.thebalance.com/best-reasons-to-keep-your-savings-account-4307372 By *JUSTIN PRITCHARD* Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Everyone needs insurance whether you want insurance or not some are required by lenders. Some types of insurance should be consider just in case something bad happens. 1. Insurance Required a. Auto b. Home 2. Needed Insurance a. Health b. Disability c. Life 3. Consider Insurance a. Renters b. Pet c. Travel Overview on reducing debt recap. Article links: https://millennialmoney.com/types-of-insurance/ by *GRANT SABATIER* https://www.igrad.com/start/start-here-insurance by by Cory Sarver, Expert Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

E: 25 Buying A house Mister Chuck talk first time home buyers what is needed before getting that first home. 1 Are you Ready 2 Shop for loan 3 Type of Loans 4 Down Payments 5 Real Estate Agent 6 Inspection & Escrow 7 Closing Article Links: https://www.thebalance.com/how-to-buy-your-first-home-2385826 By *MIRIAM CALDWELL* https://www.nerdwallet.com/article/mortgages/tips-for-first-time-home-buyers By Emily Starbuck CroneSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Best buy credit card

Mister Chuck looks into the details of having a best buy credit card. Rewards vs deferred interest 1 Best Buy 2 Better Rewards or deferred interest 3 other retail store credit cards 4 Credit cards Stats 5 Review Debt Reduction Plan 6 My Debt reduction progress Articles Links https://wallethub.com/d/best-buy-credit-card-1449c/ By Citibank https://wallethub.com/credit-cards/store/ Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Investing for Dummies

Misterchuck talk about getting started in investing in the stock market. Explains what is investing, what are investments, and when to start. What is investing What are Stocks, bonds, mutual funds, ETF, Understanding the process Use Financial planner Articles links: https://thecollegeinvestor.com/22975/investing-for-dummies/ By Robert Farrington https://www.listenmoneymatters.com/investing-for-beginners/ By Andrew FiebertSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Best budgeting apps

Mister Chuck review the best budgeting apps to use today. Starting out this episode review the Personal Finance Plan and Reduce Debt Plans which both rely heavy on using a budget. So, what is the easy way to start a budget. 1. Personal finance Plan 2. Reduce Debt Plan 3. What to look for in budget app 4. Review different apps 5. Summery Articles Links: https://www.forbes.com/advisor/personal-finance/best-budgeting-apps/ by Kristin Stoller Forbes Staff https://www.thebalance.com/best-budgeting-apps-4159414 *BY* *ERIC ROSENBER** *https://www.moneyunder30.com/best-budgeting-tools By *Lauren Barret*Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires pla…

Debt Consolidation

Mister Chuck discuss getting a consolidation loan if you have bad credit. This episode explains what to do if your credit score is below average to get consolidation loan. 1. How to Improve Credit Score 2. What is Consolidation Loan 3. Where to find Consolidation loan 4. What to look out for Articles Link: https://www.bankrate.com/loans/debt-consolidation-loans-with-bad-credit/ by Elizabeth Aldrich https://www.nerdwallet.com/article/finance/consolidate-debt?trk_channel=web&trk_copy=What%20Is%20Debt%20Consolidation%2C%20and%20Should%20I%20Consolidate%3F&trk_element=hyperlink&trk_elementPosition=0&trk_location=PostList&trk_subLocation=list By Amrita JayakumarSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https:…

What is 401K Roth; Financial Advisor

Mister Chuck discusses what is a 401 K Plan and who should be using this benefit. Then talks about Financial advisor or Planner who need this be using this service. 1. 401 K What it is. 2. Who offers this plan? 3. Who should be contributing? 4. Financial Advisor or Planner 5. Fees charged 6. Why it important to use this service Articles Link https://www.investopedia.com/terms/1/401kplan.asp by: JULIA KAGAN https://www.creditkarma.com/advice/i/what-is-a-financial-adviser by: Ashley ChorpenningSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Reverse Mortgage

Mister Chuck reviews using a reverse mortgage in retirement. The question is should a reverse mortgage be included in your Personal Finance Plan. What is a reverse mortgage and how does a reverse mortgage work. Article Links: https://www.bankrate.com/mortgages/reverse-mortgage-guide/ By Holly D Johnson https://www.investopedia.com/mortgage/reverse-mortgage/5-signs-reverse-mortgage-bad-idea/ By AMY FONTINELLESupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Budgeting Plan; Food and Clothing

Mister Chuck help determine the percentages to use in setting budget. Food and clothing are the 3rd and 4th largest items we spend money on, so it is important to budget the proper amounts. Personal Finance is important so knowing how much to budget before spending is key. Article: https://theweek.com/articles/648521/how-much-money-should-budget-food by Alexis Boncy https://jseverydayfashion.com/home/2012/05/how-to-set-clothing-budget.html By Jeanette Johnson Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Budgeting Plan; Housing and Transportation

Mister Chuck exams how much you should be spending on Housing, and Transportation. This is key in getting your budget setup correctly. Personal Finance Plans are important in getting started as housing is 1st in amount paid and Transportation is 2nd in amount of your budget. https:/www.fool.com/millionacres/real-estate-basics/articles/how-much-my-income-should-i-spend-housing/ By *Maurie Backman* https://www.nerdwallet.com/blog/loans/auto-loans/much-car-payment/ By *PHILIP REED*Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

What Causes Debt, Get out of Debt

Mister Chuck review the causes of getting into too much debt. Then goes over the reason why it hard to dig yourself out. You need to create a Personal Finance Plan and stay the course. Articles Link: https://www.lifehack.org/articles/money/7-causes-people-get-into-debt.html By Anya Bennet https://www.thebalance.com/hard-to-pay-off-debt-960855 *BY* *LATOYA IRBY*Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Money Management Tips: Credit Cards for Bad Credit

Mister Chuck discuss about the three accounts needed for Personal Finance. Then continues with what to know about credit cards. Credit cards for bad credit what you need to know about credit cards that may help. Articles Links: https://www.usatoday.com/story/money/personalfinance/2020/04/10/savings-accounts-checking-retirement-3-essential-places-for-money/5115654002/ By Adam Shell https://www.creditcards.com/credit-card-news/help/8-things-to-know-about-credit-card-debt-6000.php By Erica SandbergSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Do It Yourself Debt Reduction Plan, Can You go it Alone?

Mister Chuck discuss can you go it alone in reducing your debt. Covers some management programs plus review his plan. To create your personal finance solutions, review the links below. Articles Link: https://www.incharge.org/debt-relief/debt-management/debt-management-program-template-debt-relief/ https://www.mydebtreliefplan.com/2017/09/avoidable-mistakes-everyone-repaying-debt-makes.htmlSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

How To Budget More Details

Mister Chuck goes into detail on how he does budgeting. It a simple and easy method so listen today and get your budget started. Articles: https://www.daveramsey.com/blog/the-truth-about-budgeting/ by Rachel Cruze #Personal Finance Basic #Financial Basic # Finance Basic # Stress # Debt #WealthSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Plan Ahead for Social Security

Misterchuck Discusses planning ahead before claiming Social Security. Then talk about his Social Security related problems and how he solving them. Articles Link: https://www.fool.com/retirement/2020/03/12/5-social-security-tips-for-2020-and-beyond.aspx by Kelly Hagen #Personal Finance Basic #Financial Basic # Finance Basic # Stress # Debt #WealthSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Reasons to Reduce Debt

MisterChuck talks reasons to get out of debt, the benefits of doing so. Reasons to get out of Debt top 4 Reasons * 1 More Free Income * 2 Earlier Retirement * 3 Less Risk * 4 Better Credit Score Article: https://www.moneycrashers.com/reasons-get-out-debt/ By Amy Livingston at Money Crashers.com Listen today to find out all the reasonsSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Other Sources of Income Con't

MisterChuck talk about other sources of Income: * Ecommerce * Podcast, Video * Multi Level Marketing Articles: MLM Companies ShowBiz.com by Megan Elloitt #Personal Finance #Reduce Debt #Stress #Podcast #Education Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Investing, Other Sources of Income

MisterChuck talk about what to do with your saving once debt is reduced. * Investing How * Robo Investing * MLM * Real Estate Giving all the choice what to do with money you have, to invest or start a business in order to gain additional income. That is this weeks topic. Articles: 9 Thing to Know about Robo Advisors in US News.com by Wayne Dugan No Sponsors this week.Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Income Taxes, Building Wealth

MIsterChuck former accountant talks this week does paying high mortgage interest reduces your taxes. * Income Taxes Review * Ways To build Wealth Articles: Best Way to Invest your Money in 2019 At BankRate.com by Kendall Little Sponsor : http://www.isotonix.com/lantianbaiyu Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Refinance, Debt Consolation, Debt Cancelation

Episode 7: Reduce Debt Increase Wealth ; Mister Chuck discuss the following when trying to get out of debt once your plan is in place. * Refinance your home * Get a debt consolation loan * Use a debt cancelation service Articles: * How to know when to refinance your mortgage:Bankrate.com By Libby Wells * Truth about Debt Consolation by Dave Ramsey.com Unable to find the links to these articles but found online. Sponsor: http://www.isotonix.com/lantianbaiyu Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

What's A Credit Score

Mister Chuck explain what a credit score is all about, and how to make improvements. Once you know what the credit reporting agencies are looking at, you can make changes in your habits to improve your score. Sponsor: http://www.isotonix.com/lantianbaiyuSupport the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Budgeting and Method of Payoff

Mister Chuck easy no hassle budgeting method! This is the easy way to do and keep a budget almost a no brainer. Then Mister Chuck explains the different methods of paying down debt. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Debt Reduction Plan, AKA The Plan

Mister Chuck explains his plan on Reducing debt. How he is getting debt free the easy way. Do not miss this episode give detail on how you can become debt free.Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Avoid Financial Crisis

Mister Chuck talk about business restarting or not, will your employer go out of business. What to do if you are getting the unemployment plus $ 600 every week to work or not. Maybe it time to change careers. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Good Debt Bad Debt

Mister Chuck talks about what is good debt and what is bad debt in this episode plus refinance loans, debt cancellation and more.Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Getting Started Reducing Debt

Mister Chuck is a retired accountant, turned truck driver, who talks about how to get started in getting debt reduced. This Episode he talks about his background and how to start getting rid of debt to gain financial freedom. Support the show Please support the show by subscribing, can cancel at any time. Thanks for the support. * *Subscription page: *https://www.buzzsprout.com/961804/support * Contact: ReduceDebtIncreaseWealth@Gmail.com * Wanting Budget Spreadsheet Place Spreadsheet as Subject * https://Happygiraffe.org/live * https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.