Financial Excellence

14 Jul 016 Financial Excellence – Saying No so Later you can Say Yes

  Living In Financial Excellence Living In Financial Excellence Episode 16: Saying "No" so later you can say "Yes" July 14, 2010. Janelle returns to the studio to talk about how we've sacrificed over the years in order to win with money. It all starts with one liberating word: "NO." But in our society, you're not allowed to say no to anything. We disagree, and we share in today's show the things we've learned to say no to. Show notes: - Mailbag - Lisa asks how to budget for those "Magic Months" when you get an extra paycheck. Bill asks a similar question about how to budget when you get paid weekly. - It's hard to avoid bank offers for more debt but it can be done and we're living proof! - It's a little taboo these days, but you can (and should) say no to your kids every once in a while instead of letting their wants dictate your spending and ruin your budget.
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13 Jul Paying Yourself First: How to Make it Work Part 1

[caption id="attachment_2906" align="alignleft" width="150" caption="Pay yourself first"]Paying yourself first[/caption] There are hundreds, if not thousands of financial gurus out there, all spewing the same advice: live on less than you make, pay down debt, avoid credit, invest early and often, etc. It begins to sound like a broken record with them all saying the same stuff. But what I've begun to see is that many Americans are tuning the broken record out. The reason: too much noise and not enough valuable content. Everybody is saying what you should do but nobody is saying how to do it. A prime example is the concept of paying yourself first. That phrase (or dare I say buzzword) has been uttered so many times over the last 20 years that people have become sick of hearing it. And whenever I mention paying yourself first in a coaching session with my clients, their eyes start rolling and their faces show an unmistakable look of disgust. When I press the issue I find that they have heard the term so much that they've tuned it out because they don't really know how to pay themselves first and actually make it work in real life.
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07 Jul 015 Financial Excellence – Payday Loans Exposed by Industry Insider

  Living In Financial Excellence Living In Financial Excellence Episode 15: Payday Loans Exposed by Industry Insider . July 7, 2010. Most of us know that Payday Loan companies are taking advantage of unknowing consumers on a daily basis. But today we've got former payday loan store manager Matt Kadlec in the studio to tell us just how far these companies will go to profit from desperate, hurting people. Show notes: - Matt Kadlec's story - Why he became store manager at the payday loan store, and why he quickly left. - Matt reveals how the company he worked for routinely broke the law so they could make higher profits. - Matt experienced the lack of training for employees in this industry. Everyone in the Payday industry is a bill collector by default. Trouble is, the company didn't explain that when they hired Matt as the store manager.
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30 Jun 014 Financial Excellence – Best Times to Buy “Stuff” and Save

  Living In Financial Excellence Living In Financial Excellence Episode 14: Best times to buy Stuff and get deep discounts, How much Blow Money you should have in your budget. June 30, 2010. When is the best time to buy appliances? Airline tickets? Groceries? Today we discuss the best times to buy all kinds of "stuff." There are off season discounts for a lot of stuff, but sometimes the best time to buy something comes down to the time of day you purchase the item. Show notes: - Thanks to all our listeners out there who have given us so much positive feedback on the show, including our friend James Dibben with the Blue Collar Business podcast at bcrn.tv. - Listener Megen asks a question about the blow money category in the monthly spending plan (budget) and how much we have in our family.
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